Banco Popular de Puerto Rico

Pamela Rosenhouse is the Regional Area Manager for Southern California and Southern Nevada. She is responsible for supporting the REO Business Units and Vendor Network by providing training, addressing emergency issues and reviewing reports to identify trends.Pam has been with Freddie Mac since 2002, holding various positions including Sr. Sales Specialist and Sr. Title Specialist. Pam has a total of 10 years of REO experience, 5 years of retail real estate and 10 years of property management experience. Her skills include management of staff, oversight of large rehab projects, training and project implementation.

Richard W. Koch is a Senior Vice President in the newly created Operational risk Assessment Group at Realpoint, a Morningstar Company. His responsibilities include the analysis and ranking of residential mortgage and consumer loan servicing entities. Richard is responsible for evaluating a diverse group of servicers including conforming, nonprime, subordinate lien, reverse mortgage, master servicing and special servicing entities in addition to component servicers and third party industry vendors. Richard is also responsible for the development and publication of residential servicing criteria. As a Director in Standard & Poor’s Servicer Evaluation unit from 1997--]2011, Richard published the first Australian servicer reviews in 1999 and played a key role in the development of servicer rankings in Europe and Japan. In 2002, Richard developed and implemented SEAM (Servicer Evaluation Analytical Methodology), a web--based database for collecting and analyzing a wide variety of servicer performance metrics. SEAM provided a framework for performing periodic surveillance on servicers as well as a basis for recalibrating servicer criteria and identifying industry trends in real time. Richard developed peer and industry benchmarking products for the residential servicing industry as well as writing and publishing an in--depth analysis of residential servicer performance metrics on a semi--annual basis known as the Industry Spotlight Report. Richard is a frequent speaker and moderator on mortgage industry panels discussing current trends and topical issues in the mortgage servicing industry. Richard has authored numerous articles on topics ranging from the role of special servicers and offshore outsourcing to the robo-signing crisis. Prior to joining Standard & Poor’s in 1997, Richard held a management position with the RTC (Resolution Trust Corp.), overseeing the loan administration and asset disposition functions of a savings and loan in receivership. As an officer at Hong Kong and Shanghai Banking Corp. (HSBC), he developed and implemented a successful mortgage and consumer loan servicing program, and as an Assistant Vice President at National Westminster Bank USA (NatWest), he managed the loan administration group. Richard holds a B.A. degree in political science and communications from Queens College, City University of New York, and a J.D. Degree from Thomas Cooley Law School.

Steven M Sakofsky is the Owner and Broker of SunTrust Homes Real Estate as well as Torrey View Home Loans. As a longtime resident, Steven has been helping homeowners in San Diego by providing Real Estate and Financing Services since 1984. Because of his years of experience working with banks, Steven’s real estate company, SunTrust Homes, has an incredible success rate in obtaining bank approvals on Short Sale transactions. The goal of the short sale approval being the minimum negative impact to the Seller along with terms that are favorable enough for sincere and motivated buyers to have sufficient incentive to complete the purchase.Steven believes that the more efficient Real Estate Agents are in handling short sale transactions, the better for all the homeowners in the community. It is because of this belief that he is happy to engage all who look to improve their skill set.

Diana Stauffer is a Senior Vice President and Regional Servicing Director for CA. Her current responsibilities include managing relationships with Public Officials, Housing Groups and the Senior Leaders of Wells Fargo to ensure the company is maximizing its efforts in the area of Home Preservation. Diana’s previous experience includes the development and management of the Field Short Sale Group, an industry leading team that provides personalized and local assistance to Realtors and sellers on short sale transactions. Additionally, Diana has managed Loan Origination, Underwriting and Appraisal Organizations. She has enjoyed a nineteen year career with the bank.Diana has a Bachelors of Science from Indiana University.

William Moran is the Assistant Commissioner in charge of the Department of Real Estate’s (DRE) Enforcement Program for the State of California, a position he assumed in December 2000. In this position, Moran oversees the DRE’s investigations and enforces the provisions of the Real Estate Law and the Subdivided Lands Law, which are contained in the California Business and Professions Code. Moran holds a Bachelor’s of Science Degree in business administration from the University of La Verne and a Masters Degree in Public Administration from the California State University, Dominguez Hills. Moran has been with the DRE since 1981, and began his career as a deputy commissioner investigator in the Department’s Los Angeles Office where he was responsible for the investigation of consumer complaints against real estate licensees. He worked in the capacity of an investigator until 1989. Three years of this time was spent on the Department’s special investigations unit known as the Crisis Response Team investigating major cases.In 1989, Moran became a manager of team of investigators responsible for general investigations, and in 1990 became the manager of the Department’s Crisis Response Team which handled cases involving major fraud or losses to the public, as well as cases involving high sensitivity or coordination with outside law enforcement agencies.In 1993, Moran transferred to the Department’s Sacramento Office and became a Managing Deputy Commissioner IV in charge of the Licensing, Examination, Education and Research Programs.In December 2000, Moran assumed his current position as the Assistant Commissioner of the Department’s Enforcement Program.

Larry Platt is a Practice Area Leader of the Financial Services Practice of K&L Gates and sits on the firm’s Management Committee. K&L Gates comprises nearly 2,000 lawyers who practice in 36 offices located on three continents. Corporate Counsel magazine recognized K&L Gates among the top four corporate “go-to law firms” used by America’s largest companies. In addition, K&L Gates received the most “First-Tier” rankings of any law firm in the U.S. News & World Report's 2010 inaugural survey of over 9,500 clients and nearly 9,000 lawyers in the United States to determine the law firms that are regarded most highly by clients and by their peers in the profession. In 2010, Chambers USA, an independent and research-based guide to the legal profession, ranked K&L Gates in the top tier (the highest ranking) in the area of “Financial Services Regulation: Consumer Finance (Compliance).” The report described K&L Gates as a “go-to firm for the most high-profile, complex and important cases in the consumer area.” In addition, in 2007-2010, Chambers USA ranked Mr. Platt as one of the nation’s leading Consumer Financial Services Regulation Lawyers. Mr. Platt concentrates his legal practice in representing purchasers and sellers of mortgage companies and mortgage-related assets, counseling clients on federal and state consumer credit laws, defending clients in government enforcement actions, and representing clients in governmental public policy matters.

Mr. Walsh has a broad mortgage lending and real estate back ground with a solid understanding of the economics of loan servicing and a strong expertise in the mortgage default management.   Mr. Walsh joined Roosevelt Management Company August 2008 and is responsible for management of mortgage assets including loss mitigation strategies, loan administration and mortgage servicing.   Mr. Walsh is President of Rushmore Loan Management services, a subsidiary of Roosevelt Management Company.  Mr. Walsh was with Morgan Stanley for four years and led the Morgan Stanley servicing oversight function responsible for third party servicing relationships, master servicing and asset risk management for the retained and securitized mortgage portfolio. Mr. Walsh held the position of Department Head for Freddie Mac HOMESTEPS and accountabilities included REO disposition, delinquent loan property valuation, loan repurchase settlement, mortgage insurance recoveries and final settlement loan accounting.  During his tenure with Freddie Mac he was on the Operations Management and Risk Management committees, worked closely with Freddie Mac’s top 25 seller/servicers and was a member of the Freddie Mac Servicer Advisory Board from 2000 to 2004.Mr. Walsh was with PHH for 15 years in the real-estate and mortgage division and held the positions of Manager of Business Processes, Director of Operations, VP Customer Relations, and was General Manager PHH Asset Services.  Mr. Walsh graduated with a Bachelors of Science in Computer Information Systems from Quinnipiac University, Hamden, CT.  Mr. Walsh has been an active participant in the Mortgage Banker Association and a frequent speaker at both mortgage and real estate industry events.

Richard H. Neiman was appointed by the Governor to serve as New York State's 43rd Superintendent of Banks in March 2007. He has extensive experience in the financial industry from a range of perspectives in executive, regulatory, and legal roles. In addition to overseeing all state-licensed domestic banks and non-banks in New York State, Richard also has regulatory oversight of the majority of US branches and agencies of foreign banking organizations.In November 2008, Richard was appointed by House Speaker Nancy Pelosi to serve on the five-member Congressional Oversight Panel (COP) created to oversee the implementation of the Emergency Economic Stabilization Act through the Troubled Asset Relief Program (TARP). In both of his roles, as Superintendent of Banks and a member of COP, Richard has been active in the national and international debates around financial regulatory reform. He also chairs the Conference of State Bank Supervisors (CSBS) International Bankers Advisory Board and is a member of the Chinese Business Initiative Advisory Board at Columbia Business School. In addition, Richard was instrumental in creating and now chairs New York’s task force to address the foreclosure crisis and represents New York on the Multi-State Foreclosure Prevention Working Group, a coalition of state Attorneys General and Bank Superintendents.In December 2010, Richard was awarded the Foreign Policy Association Medal for Public Service. Past recipients include Treasury Secretary Timothy Geithner and New York Mayor Michael Bloomberg.Richard began his career with the Office of the Comptroller of the Currency in Washington, D.C. where he served as Special Assistant to the Chief Counsel. After the Comptroller's Office, he spent 10 years at Citicorp, where he held a variety of legal and regulatory positions, including General Counsel of its Global Equities Group. He then returned to Washington, D.C. to serve as Director of Regulatory Advisory Services for Price Waterhouse. In 1994, Richard joined TD Waterhouse Group, Inc., a bank holding company and global online financial services firm, as Executive Vice President and General Counsel. He remained with TD Waterhouse until its acquisition by Ameritrade in 2006. Immediately prior to joining the Banking Department, Richard served as President and CEO of TD Bank USA, N.A., a subsidiary of The Toronto-Dominion Bank that provides banking services to the customers of TD Ameritrade. Richard holds a B.A. degree in political science from American University, School of Government and a J.D. degree from Emory University School of Law.Richard’s community service includes serving on the Advisory Board of the Henry Street Settlement, one of New York’s oldest social services organizations and provider of shelters for the homeless, as well as serving on the Board of the Harlem Educational Activities Fund, a mentoring and college preparatory organization serving students in Harlem and Washington Heights.

Geoff Smith’s work as Senior Vice President of Woodstock Institute has encompassed research and writing analysis of a wide range of housing and community development topics, including mortgage lending policy, housing market trends, small business finance, financial institution regulation, and access to banking services. He uses data analysis to examine the economic health of neighborhoods and to understand factors threatening the financial security of economically vulnerable communities. The goal of this work is to inform policy solutions that promote responsible and sustainable financial products and practices. Geoff also researches and writes reports for Woodstock Institute and often shares findings directly with policymakers. He has authored and co-authored numerous Woodstock publications and co-authored research published in journals including Housing Policy Debate and Urban Affairs Review; testified on predatory lending issues and community reinvestment policy at hearings held by the U.S. House Financial Services Committee, the Federal Reserve Board, the State of Illinois Department of Professional Regulation, and the Chicago City Council, and has been quoted in the Wall Street Journal, the New York Times, the Chicago Tribune and other media outlets. He has also appeared on NBC Nightly News. Geoff received a B.A. in Geography from the University of Illinois at Urbana-Champaign and an M.S. in Geography from the University of Wisconsin-Madison.