Banco Popular de Puerto Rico

Wanda comes to Fay Servicing with over 21 years of Mortgage Default experience.� She previously worked at Fannie Mae, First American and Washington Mutual. Prior to joining Fay Servicing Wanda led a team of Foreclosure consultants at Fannie Mae that traveled to servicer’s with underperforming foreclosure timelines to provide operational support, share industry best practices and train the foreclosure process.� Prior to Fannie Mae Wanda led the Default Outsource Operation for First American Corporation. Prior to First American, Wanda was an Assistant Vice President of Foreclosure at Washington Mutual Mortgage.� Her roles at Washington Mutual included Multi-Vendor Management, Process Improvement, Risk Management, Master Servicing, timeline monitoring and she played a major role in the development of all Default’s control, inventory and performance reports and scorecards to reduce the overall exposure in foreclosure.� During her nearly 10 years at Washington Mutual, Wanda moved within the company from processing loans up the ranks to management giving her hands on experience in foreclosure and Bankruptcy.� Additionally, she moved with Washington Mutual to Chicago to start-up a relocated Foreclosure and Bankruptcy department.� Wanda has participated in several USFN & AFN conference panels and keeps up with the every changing default compliance issues and recently participated in the facilitation of a CLE (continuing legal education) in New York City to train judges, referee’s and court officials on the benefits of a DIL and how it can help the homeowner that cannot afford to keep their home.� She also spent time training 8 of Fannie Mae’s largest New York attorney firms on how to conduct New York settlement conferences.

Jeanne Fekade-Sellassie is the senior vice president of national initiatives at NeighborWorks America.

Anne Canfield is the executive director of the Consumer Mortgage Coalition.

Ms. Baker is a partner in the firm’s Finance Group, concentrating her practice in commercial real estate and financing transactions. She represents institutional lenders and finance companies in a variety of secured and unsecured financial transactions with a focus on loan originations for capital markets and balance sheet lenders, loan workouts and restructurings, loan management and servicing (including in connection with CRE CDOs), and the purchase and sale of commercial loan portfolios.Rachel Pignatiello is an associate in the firm’s�Finance Group. Her practice focuses on commercial real estate finance.Ms. Pignatiello represents institutional senior lenders in connection with the origination and servicing of conduit and portfolio loans secured by various financial structures. In addition, she represents servicers and special servicers in leasing, workouts and restructurings matters.

Pramod Karachur manages compliance efforts at IndiSoft.

Rick Smith is the executive vice president of servicing at The Money Source Inc., a New York-based wholesale, retail and correspondent lender and servicer with offices across the nation. Learn more at www.themoneysource.com.

John Harrell is vice president of mortgage product management at USAA Bank where he focuses on delivering highly-competitive mortgage products for USAA members. John joined USAA Bank in April 2013 as the vice president of real estate fulfillment, providing operational leadership for the ongoing transformation of the real estate lending business. He transitioned to product management in November 2014 with the goal of bringing a data-driven approach to the product strategy with the intent of providing highly-competitive products that will serve more members’ home buying needs. John brings more than 17 years of consumer finance experience�across multiple disciplines and asset classes to his role at USAA Bank. Prior to joining USAA Bank, John spent 12 years at Capital One where he successfully led teams in business process improvement, operational fulfillment, and product line management, with�rotations�in auto finance, retail bank, and home lending. He also spent two years with CitiMortgage where he served in a risk role responsible for collections and default strategy during the height of the housing crisis.�A USAA member since 1990, John is a veteran of the U.S. Navy where he served as a submarine warfare officer for seven years. He attended the University of Texas at Austin on NROTC scholarship where he earned a bachelor's degree in business administration. He also holds a master’s in business administration from San Diego State University.

Julian Hebron is EVP, Sales & Marketing for RPM Mortgage, the #13 ranked retail nonbank lender in the U.S. He’s responsible for brand strategy, online lending, and ensuring RPM’s loan advisors have the tools they need to keep clients happy. Julian is a columnist for Zillow and Mortgage News Daily, and before RPM, held senior sales and marketing positions with Wells Fargo and UBS Global Asset Management.

Donna DeMaio is the president and CEO of United Guaranty Corp.

Patrick Brady and Mark Einhorn are partners in Marcus, Errico, Emmer & Brooks. Located in Braintree, MA, the firm specializes in condominium law and represents clients in Massachusetts, Rhode Island and New Hampshire. They can be reached via e-mail at: pbrady@meeb.com and meinhorn@meeb.com; or by phone at 781.843.5000.