Banco Popular de Puerto Rico

Chairman, Youth Inc., a nonprofit organization serving inner city children

Joe Hendren is vice president of business development at LRES, a national appraisal and REO management company offering property valuations, asset management and technology solutions for mortgage bankers, lenders, servicers, credit unions and private investors. For more information, visit http://www.lres.com

Martha Cranley is the Director of Community Impact and Strategic Communication at United Way of Dane County

Mark Mackey is CEO of International Document Services, a mortgage document preparation vendor for initial disclosures and closing documents. He can be reached at mark@idsdoc.com.

Dave Bennett has over ten years of experience in the mortgage industry.� He is currently a Managing Director at Compass Analytics—a leading provider of pipeline hedge and MSR valuation analytics.� His previous stops include Fifth Third Bank, Lehman Brothers and Morgan Stanley.

Sean Mansell has been in the mortgage servicing industry since the late 90’s when he joined Old Kent Mortgage in Grand Rapids MI.� Since that time Sean has started multiple highly successful servicing operations, with a key focus based on efficiencies and risk mitigation through technology solutions.� Sean has been a frequent speaker for the MBA, Affordable Housing Commission, MCUL and other industry organizations.� Sean is currently the SVP Director of Servicing Operations for MB Financial Bank, formerly Cole Taylor Mortgage.� Sean is a graduate of Western Michigan University and is married with two children.��

Nancy is the head of Internal Audit at Fay Servicing LLC, where she is building the Internal Audit program, establishing an operational risk program, and completing risk-based audits.� A robust Internal Audit organization is a key focus of the CFPB who expects a servicer to have strong independent measures of the organization’s regulatory compliance and operational performance.� Internal Audit is considered the third line of defense, reporting independently to the Board of Directors Audit Committee.� The first and second lines of defense are QA and QC, reporting respectively to the business and Compliance.Nancy is a Certified Mortgage Banker and Lean Six Sigma Black Belt with over 35 years of experience in the financial services industry. Prior to joining Fay Servicing, she served as the President of her own consulting firm, where she restructured operations, integrated technology, and implemented regulatory compliance programs for large banks, mortgage lenders including Bank of America, Chase, and Morgan Stanley, to optimize efficiency and manage audit/compliance risk. She served as Chief Operating Officer at Pierce and Associates, one of the largest Chicago law firms specializing in foreclosures, bankruptcies, and REOs for financial institutions across the country and led Information Technology, Operations, Finance, Quality Control, and Regulatory Compliance. In addition, she was SVP at SunTrust Mortgage where she managed the Imaging Center and Post Closing Operations and VP at Washington Mutual/PNC Mortgage, GE Capital Mortgage, and AVP at Mellon Bank, NA. She has been called upon by the Mortgage Banking Association to provide industry leadership in meeting with the US Congress to discuss financial legislation. Nancy earned her MBA from the University of Pittsburgh.

Mike Steer is a vice president and Chief Operating Officer at consulting firm Mortgage Quality Management & Research.