Banco Popular de Puerto Rico

Rozanne M. Andersen is the CEO and General Counsel for ACA International, The Association of Credit and Collection Professionals. She is a graduate of the William Mitchell College of Law, St. Paul, Minnesota, and is now in her 25th year of practice.Andersen, who has been with ACA International for more than 14 years, is a nationally recognized speaker and published author on such topics as: The Fair Debt Collection Practices Act; The Fair Credit Reporting Act; Data Privacy; The outsourcing of government contracts and the collection of income taxes; The Gramm Leach Bliley Act; The Telephone Consumer Protection Act; The Health Insurance Portability and Accountability Act (HIPAA); and Industry specific compliance requirements.She has successfully represented the industry’s perspective in each of these areas through her advocacy work in Washington, D.C. and before state regulatory bodies.Andersen was named by Minnesota Lawyer magazine as Attorney of the Year for 2004 for excellence in providing in-house legal services. In a February 2007 cover story, and again in 2008, Collections & Credit Risk magazine profiled Andersen as one of the "5 women you should know" who are having a positive impact on the collection and debt-buying industry. In 2009, she was honored by Collections & Credit Risk as an “Industry Champion” for her “hard work to improve the intertwined worlds of collections, credit and debt buying.”In addition, Andersen was also invited to speak on both the opening and closing panel at the Federal Trade Commission’s October 2007 debt collection workshop in Washington, D.C., as a representative of the credit and collection industry. She is regularly asked by the FTC and other federal and state government regulators, legislators and policy makers to submit formal comments, give testimony and serve on expert panels regarding topics related to the credit and collection industry.Andersen is routinely quoted and featured by media organizations including The New York Times, The Wall Street Journal, The Washington Post, CNN, ABC News, NBC News, Fox News Channel and others.She is a Certified Association Executive, a certification offered to qualified individuals by the American Society Association of Executives. Andersen is also a member of the Association of Corporate Counsel, the Minnesota State Bar Association, the Hennepin County Bar Association and is licensed to practice law in the state of Minnesota.

Chetan Patel is Executive Vice President of ISGN, where he leads the company’s efforts to streamline process transitions and technologies that make both front- and back-end mortgage processes faster, more efficient and more economical. He has a strong track record of leading successful technology and Web initiatives for a diverse range of companies and brings more than 15 years of experience in the technology and mortgage marketplace, in addition to significant experience in implementation management. Chetan was the co-founder of MortgageHub, a leading a leading provider of strategic leadership, business enhancement and transformation services, technology assessment and progression consulting for the mortgage industry. MortgageHub was acquired and merged with ISGN in 2006.Prior to co-founding MortgageHub, Chetan was the director of information technology for Health Partners where he led a staff of more than 20 individuals in the implementation of technology innovations that helped establish Health Partners a recognized leader, increasing its members from 75,000 to more than 125,000. He was responsible for implementing and providing the “back-end” technology to other entities entering the marketplace in different regions, and also designed an industry-first, self-service phone application for patients, doctors and hospital staff to help reduce cost in a very competitive market. His career history also includes work with QVC and GMAC Mortgage, where he was granted the ‘President Distinguish’ award for providing key solutions. More recently, Chetan was listed among Mortgage Banking magazine’s 2008 IT-All Stars, and is a frequent speaker at mortgage industry conferences. He is a member of the American Institute for Certified Public Accountants, the Mortgage Bankers Association, the National Association of Mortgage Brokers, and the Association for Management Information. He earned a Bachelor of Administration degree in Accounting and Computer Science from Temple University.

Mr. DiResta is a partner with the Advertising, Marketing & Media practice in the Washington, D.C., office. His practice focuses on governmental investigations, commercial litigation (trial and appellate), and business counseling that involves consumer protection issues (including privacy, allegations of deceptive or unfair advertising and marketing practices, and financial practices), trade regulations, and unfair competition. Mr. DiResta is a leading authority on social media issues and serves as General Counsel to the Word of Mouth Marketing Association.Mr. DiResta is a former Director of the FTC Southeast Regional Office, and has an AV rating by Martindale-Hubbell. A seasoned advocate with a track record of successful results, he has represented clients in governmental investigations and litigation pursued by federal agencies, such as the Federal Trade Commission and Department of Justice, as well as in state enforcement proceedings involving state attorneys general. The depth of his experience also includes trials and appeals before many federal and state courts, class actions, and multidistrict litigation, with many of his accomplishments being highlighted in reported decisions – several of which are cutting-edge precedents. This vast experience encompasses an array of industries and involves all substantive aspects of complex business disputes. By his appointment as Director of the FTC's Southeast Regional Office, Mr. DiResta supervised many of the enforcement, investigative, litigation, and outreach activities of the Competition and Consumer Protection Bureaus of the agency in Georgia, Florida, North Carolina, South Carolina, Tennessee, Mississippi, and Alabama. Among his accomplishments was his initiation and coordination of a consumer protection law enforcement sweep – including the Department of Justice, the Securities and Exchange Commission, and 15 state attorneys general, as well as the FTC – that resulted in over 25 lawsuits and proceedings throughout the country. Under his leadership, the Office received the John Marshall Award from the Attorney General of the United States for its enforcement achievements. He was also appointed as a Special Assistant United States Attorney for the Northern District of Georgia to prosecute telemarketing fraud.Mr. DiResta is widely published in the areas of commercial litigation, FTC practice, governmental investigations, consumer protection, and antitrust – with many of his articles being cited by the courts and Law Reviews. In fact, one of his articles was cited with approval by the United States Supreme Court in a leading antitrust decision. He was elected to the membership of the American Law Institute in 1994, has been involved in the leadership of the ABA since 1992, and frequently serves as an expert on professional panels.Prior to joining Manatt, Mr. DiResta was a partner at an international law firm.

Diana is Group Executive Vice President of Wells Fargo Customer Connection (WFCC). This contact center channel is one of Wells Fargo’s largest banking channel alternatives for customers, and includes the oversight of 31 sites comprised of more than 12,000 team members. The channel supports multiple lines of business and serves and sells to various customers including consumer, premier, small business, online, credit card, home equity, and investment services. More than 500 million customer contacts are handled annually.Diana is a member of the Wells Fargo Managing Committee. She served earlier on the Wells Fargo Ethics Committee, and was the Executive Sponsor of the bank-wide initiative known as Enterprise Call Center Strategy (ECCS), which enhanced Wells Fargo’s customer experience in the call center channel through standardized technology and one-stop shopping. Diana also led the effort to create the industry-wide Identity Theft Assistance Center (ITAC) and her team continues to support ongoing Identity Theft Operations at Wells Fargo.Diana’s experience includes 27 years at Wells Fargo in financial services leadership. She last led the Customer Service, Sales & Operations group, comprised of 11,000 team members serving business partners enterprise-wide with operational and infrastructure services such as check processing, statement processing, ATM operations, fraud disputes, cash vaults, lockbox, safe-deposit processing, armored logistics, accounting support for retail stores, and deposit document retention. Diana has extensive operations management in payments, consumer lending and call centers. In these roles, she oversaw highly technology-intensive businesses across a broad spectrum of payment functions and also led a national project to centralize five regional processing centers into two super-regional operations facilities. Diana currently serves on the Board of Trustees for the American Conservatory Theater (ACT) Foundation. Diana is past Chairman of the Board of Directors for the Identity Theft Assistance Center. Previously, she also served on the Boards of The Doctor’s Company, the Electronic Check Clearing House Organization, the Payment Solutions Network, the Banker’s Clearinghouse, and the Federal Reserve Wholesale Payment Services.

Laurie is a Senior Managing Director at Amherst Securities Group, L.P., where she is responsible for strategy and business development. Laurie joined the firm in December, 2008, assembled the Strategy Team and began publication of the Amherst Mortgage Insight. From July 1993-Nov 2008, Laurie was head of Global Fixed Income Research and Manager of U.S. Securitized Products Research at UBS and predecessor firms. The UBS Securitized Products Research group was widely recognized for its insightful analysis and weekly Mortgage Strategist publication. Prior to that, Laurie spent 10 years in senior fixed income research positions at Citicorp, Goldman Sachs, and Merrill Lynch. She was also a mortgage portfolio manager on the buy side and a Senior Economist at the Federal Reserve Bank of New York. Laurie holds a B.A. in Mathematics from the University of Pennsylvania, and M.A. and Ph.D. degrees in Economics from Stanford University. She has published more than 180 articles in professional and academic journals, and co-authored and co-edited five books. Laurie was recently inducted into the Fixed Income Analysts Hall of Fame.

Bryan Bolton is currently a Senior Vice President in the Loss Mitigation area for Citigroup’s North American Mortgage portfolios with staff at sites across the country.Bryan joined Citi in August of 1998. He has 25 years of mortgage in the Banking and Mortgage Banking industries, and has held management positions in Collections, Default Management, Servicing and Originations. He is a 1984 graduate of Widener University in Chester, PA with a degree in Business Management.

Brandon J. Hawkes is CEO of Littleton, Colo. -based Lenders Asset Management Corp. (LAMCO), a full-service, nationwide default management company that offers comprehensive REO services. In this position, Hawkes provides strategic leadership for the company by implementing long-range goals, plans and policies to further enhance the company’s asset management processes, which have been developed during the past 20 years. Hawkes began his career at LAMCO in 2003 as an REO representative, and has since worked in every division of the company. In his time with LAMCO, Hawkes has founded the LAMCOnetwork, an Internet portal that connects buyers and suppliers of REO on a national scale. In addition, Hawkes founded, and later oversaw the successful sale of a full service property preservation company that provided services throughout the state of Colorado. Prior to joining LAMCO, Hawkes developed an extensive sales and marketing background in several management positions in the telecommunications industry. As one of the youngest managers in his field, Hawkes oversaw several independent offices, including the training and supervision of more than 100 employees.