Banco Popular de Puerto Rico

Mr. LeRoy is a seasoned legal and mortgage banking professional with over two decades of executive management experience in the fields of Law Firm Operations, Technology Solutions and Mortgage Loan Servicing. In the mortgage loan servicing arena, his experience encompassed the administration of residential default servicing functions; including collections, foreclosures, bankruptcies, loss mitigation, claims, real estate owned, investor reporting, securitization and investor accounting. He is the President and CEO of the American Legal and Financial Network. In his current position, he oversees all corporate initiatives for the corporation, and has aligned the organization to be the largest and most influential of its kind in the mortgage banking industry. A well known writer, Mr. LeRoy is nationally recognized for his “out of the box” thinking and innovative approach to problem solving. His articles deal with the resolution of systemic issues affecting the financial services industry. Mr. LeRoy holds a founding member seat on the Coalition for Mortgage Industry Solutions Board of Directors. Mr. LeRoy is the creator and host of the ALFN’s bi-monthly Legal Update Program, which provides the mortgage banking community with precise digests of breaking national cases and matters of strategic concern. In his prior legal career, Mr. LeRoy enjoyed senior management positions with the national law firms of Katten, Muchin, Zavis & Weitzman and Lewis, D'Amato, Brisbois & Bisgaard LLP. In the early 90’s he was a founding principal of Mortgage Default Service’s Inc., a California Trustee. He later became Vice President of ARM Financials National Post Foreclosure Operations, a division of the LOG’s Financial Group. He was a Director of Strategic Product Development with the London England Based, Global Technology Company’s Loan Servicing Division of the London Bridge Group. Mr. LeRoy also owned and operated a national consulting firm specializing in the due diligence activities associated with defaulting loan portfolio transfers between loan servicing companies. Mr. LeRoy currently holds memberships in the Residential and Commercial Mortgage Banking Associations, National Reverse Mortgage Lenders Association, and the Coalition for Mortgage Lending Solutions, California Mortgage Bankers Association, REOMAC, NHEMA, NALTEA, The National Housing Association, and MISMO.

Siddharth N. “Bobby” Mehta is CEO and president of TransUnion and brings more than 20 years of financial services experience to the position.Before TransUnion, Mehta was chairman and CEO of HSBC Finance Corporation, one of the world’s largest banking and financial services organizations. He was also the group managing director of HSBC Holdings plc, with responsibility for the strategic management of the consumer finance customer group and credit cards throughout the HSBC Group.Prior to HSBC, Bobby served as senior vice president at The Boston Consulting Group where he developed retail, insurance and investment strategies for a variety of financial service clients. He also served as vice president of Citicorp’s information business division.Mehta received a bachelor’s degree in economics from the London School of Economics and an M.B.A. from the University of Chicago.

Mr. Ornstein is a member of Sonnenschein’s Capital Markets Practice concentrating on banking and real estate law with an emphasis on federal regulation of real estate.  Mr. Ornstein regularly counsels national mortgage companies, mortgage insurers, financial institutions and others in complying with mortgage and consumer lending regulations, including: RESPA Truth-in-Lending Fair Credit Reporting Equal Credit Opportunity Fair Housing/Fair Lending National Flood Insurance Act State regulations and licensing Mr. Ornstein has worked extensively in the area of government regulation of mortgage finance, particularly with respect to FHA-insured and VA-guaranteed single-family and project mortgage loans, and secondary market issues.  He also has substantial experience in the legal issues governing federal and state bank regulation, including agency powers and procedures with respect to professional liability claims. Mr. Ornstein was formerly with the law firm of Thacher Proffitt & Wood LLP.Representative Experience  Represented several investment banking firms as issuers or underwriters in public offerings and private placements of mortgage pass-through certificates. These securitizations have employed a wide variety of credit support and tax structures, and have resulted in the issuance of a broad range of securities with simple to complex payment characteristics. Represented several of the nation's largest residential mortgage loan conduits in connection with numerous public offerings of multiple class mortgage pass-through certificates as well as servicers and insurers in connection with public and private securitizations. Education:Columbia University School of Law, Harlan Fiske Stone Scholar, J.D., 1989Brown University, magna cum laude, Phi Beta Kappa, A.B., 1986Organizations:Editorial Advisory Board of the Residential Mortgage Compliance Insider Publications(Partial list):"Federal and State Laws Impacting Lessors and Motor Vehicle Leases of Military Servicemembers," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "The New World of Student Lending Laws," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "Will RESPA Litigation Under Section 8(b) Reach More Than Fee Splits?" Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "UDAP Crackdown -- A Closer Look at the Federal UDAP Analysis Underlying the New Rules," Consumer Finance Law Quarterly Report, Fall - Winter, 2008.  "UCC Article 9 Joint Review Committee: Issues in Motor Vehicle Finance," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "Overview of the Fair Debt Collection Practices Act and Other Collection Issues," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "Consumer Standards Under the Fair Debt Collection Practices Act: A Case for Regulatory Expansion," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "Recent FDCPA Decisions Impose New Requirements on State Court Collection Litigation," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "Same Song, Different Year -- Attorneys’ Fees Still a Driving Force Behind Consumer Finance Litigation," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "Emerging Issues in Debt Collection Law," Consumer Finance Law Quarterly Report, Fall - Winter, 2008. "FDCPA Update on TCPA, Time-Barred Debts, and Voice Mail Messages," Consumer Finance Law Quarterly Report, Fall - Winter, 2008.

Rene Pelegero is founder of RPGC Group, a merchant and payments consultant.