Banco Popular de Puerto Rico

Colleen is a member of the Financial Industry Group, focusing on securitization, structured finance, commercial finance transactions and complex financial products. Colleen advises�financial institutions regarding the acquisition and sale of a variety of assets primarily�involving newly originated, seasoned and distressed residential mortgage loan pools,�including conventional, government insured and jumbo mortgage loans, on both servicing�retained and servicing released bases, and pools of mortgage servicing rights relating to�residential mortgage loans. She also has experience in sales of loans to agencies and�agency securitizations (agency swaps) and with warehouse arrangements for conventional,�government insured and jumbo mortgage loans.Colleen�s securitization experience includes residential mortgage-back securities and she�has advised sellers, servicers and investors regarding structuring, servicing and�administering private securitizations and securitizations with Freddie Mac, Fannie Mae and�Ginnie Mae. Colleen�s securitization experience also includes motor vehicle loans and�leases (including titling trusts), equipment leases, credit cards receivables, trade receivables�and consumer loans in both the United States and Canada.Recently, Colleen has advised mortgage servicers on a variety of mortgage servicing rights�sale and mortgage sale securitization related issues such as interim servicing and servicing�transfer provisions, loan modifications, the REMIC rules, documentation issues relating to�judicial and non-judicial foreclosures and REO properties. In addition, Colleen advises�clients on the risk retention requirements under Dodd-Frank, the rules and requirements of�the Consumer Financial Protection Bureau, and the Securities Exchange Commissions�revisions applicable to the offering of publically issued asset-backed securities (�Regulation�AB II�).Colleen represents underwriters and issuers in public offerings, private placements, assetbacked�commercial paper programs, and medium-term note programs. In addition, she has�advised a variety of investment banks, private equity funds and hedge funds in utilizing�securitization in a number of financing transactions including acquisition financings. One�such transaction on which Colleen played a key role was named by Investment Dealers as�"2006 Deal of the Year."In the structured finance area, Colleen has represented both commercial lenders and�corporate borrowers in a variety of secured lending transactions. Colleen�s experience�includes asset-based lending arrangements such as charged-off receivables, copyrights,�patents and royalties, film financings, and future-flow transactions as well as cash-flow�facilities. In addition, Colleen has worked on a number of commercial finance transactions�including domestic and cross-border secured facilities, senior/secured and subordinated�debt facilities, note purchase facilities, syndicated loan facilities, liquidity facilities, and�synthetic lease transactions. Colleen also advises clients on distressed asset sales and�restructuring including disposition under Article 9 of the Uniform Commercial Code.

Kimberly Coleman, Associate General Counsel, Vice President at Flagstar Bank, is an experienced business lawyer focused on commercial transactions with significant practice in vendor management. Kimberly brings a practical, business-oriented approach to advising Flagstar as they expand their presence in the mortgage servicing industry.Kimberly also serves as Flagstar�s privacy attorney and is a Certified Information Privacy Professional.� She lead the development of Flagstar Bank�s vendor management program and continues to lead Flagstar Bank�s vendor management program to ensure that Flagstar Bank is compliant with the requirements of Flagstar�s primary regulator, the Office of the Comptroller of the Currency (OCC). Kimberly was recognized by Crain�s magazine as a Rising Star in 2014. Kimberly also volunteers in the community as a board member of First Step, as well as a member of Georgia Lawyers for the Arts.�

Cynthia Treadwell has over ten years of mortgage lending and servicing experience.� She started her career in mortgage and banking litigation, representing some of the country�s largest lenders and servicers.� She entered the compliance arena in 2009 and has since been involved with major default servicing restructuring for various servicers and compliance program infrastructure design and management. She joined FIS Global-EGRC two years ago where she continues to work with mortgage servicing clients to build and enhance their Compliance Management Systems, perform CFPB Readiness and independent compliance audits and provides outsourced compliance monitoring, regulatory training, and process development and improvement expertise. She is also part of the team at FIS Global-EGRC that trains CFPB examiners on regulatory compliance subject matter including mortgage servicing, debt collection and credit reporting.

Chad Mosley is senior vice president for Mortgage Contracting Services LLC (MCS), a nationwide provider of property preservation, inspections, REO property maintenance and valuations to the financial services industry.Mosley joined MCS in summer 2008 as assistant vice president of business development, where he was responsible for creating and growing both new and existing business relationships. He later took on additional responsibilities as vice president of operations, including the oversight of inspections and REO operations. In 2012, Mosley was promoted to senior vice president as he oversaw new business development efforts, industry relations initiatives and corporate expansion. Additionally, Mosley leads operations for MCS� affiliate company, Vacant Property Security (VPS), which provides steel door and window security for vacant residential and commercial properties.With almost fifteen years in the industry, Mosley has experience managing all sides of the mortgage process from originations to the disposition of REO properties. His expansive knowledge has enabled him to represent MCS on numerous tradeshow panels and discussion forums. He is currently an active member of the Five Star Property Preservation Executive Forum.Prior to MCS, Mosley held several positions at Countrywide Home Loans, most recently as an assistant vice president overseeing the REO vendor management team and REO concierge desk. He was also in management roles for compliance and quality assurance in the REO, foreclosure and bankruptcy division.Mosley earned a Bachelor of Science in business management from the University of Texas at Dallas.

Jack Hartings is chairman of the Independent Community Bankers of America and president and chief executive of the Peoples Bank Co. of Coldwater, Ohio.

Adrienne joined PennyMac in 2014, where she was initially responsible for Property Preservation and Hazard Claims. Her area has expanded to include Service Provider Management, Invoice Management, and several other groups.Prior to joining PennyMac, Adrienne held leadership positions within default servicing at Countrywide Home Loans, Saxon, and Chase. ��

Jim Carr is a senior fellow at the Center for American Progress and a housing finance, banking, and urban policy consultant.

Varun Mehta is vice president of legal and compliance solutions at Clutch Group.

Brian Mushaney is executive vice president of data solutions at RealtyTrac

Ms. O�Grady is founder/owner of Elliott Bay Associates, based in Seattle, WA, driving strategic business and technology solutions in the mortgage and mortgage capital markets for over 20 years. Ms O�Grady is a veteran banker whose career includes leadership positions spanning traditional and high-tech risk management, mortgage lending and structured finance solutions in the U.S. market. Ms. O�Grady has analyzed the operations of scores of mortgage companies, banks, credit unions, and risk management platforms nationwide. She has held executive positions at local and national companies, including Citicorp/Citigroup, the Dean Witter Group, and Bear Stearns & Co., and has consulted through Deloitte Touche in capital markets and hedging strategies, and through Ernst & Young Cap Gemini, Andrew Davidson & Co, LoanScoreCard, and others in risk management technology.