Banco Popular de Puerto Rico

Mr. Thomas joined Quicken Loans in April 2009. Since that time, Quicken Loans has transitioned from primarily an interim servicer to a full, multi-investor servicer with $10 billion UPB and 40,000 clients in its portfolio. Quicken has recently implemented a numbers of proprietary default tools and has rolled out their “Total Portfolio Solutions” which focuses on maximizing portfolios for others. Prior to joining Quicken Loans, Brett was Senior Vice President, Servicing for Origen Financial, where he was responsible for leading all servicing related activities on a 40,000 loan manufactured housing portfolio. Mr. Thomas joined Origen in June 2004 as Vice President, Default Services. Brett has 20+ years of experience in the loan servicing/finance industry. He worked for GE Capital Mortgage for 12 years and held several leadership positions within GE’s $100+ billion mortgage servicing portfolio consisting of conventional, GNMA, private, subprime, jumbo and MH loans. Mr. Thomas earned a Bachelor degree in Finance from Sam Houston State University and a Masters in Marketing & Management from St. Thomas University's Cameron School of Business. He is Green Belt certified in Six Sigma from GE and has been certified by the American Collectors Association International as a Professional Collection Specialist.

Steve Bancroft became the Executive Director of the Detroit Office of Foreclosure Prevention and Response in July 2008, coming from being President and CEO of Commonwealth Holdings, a subsidiary of Community Workforce Trust, which produced workforce housing development around the country. Prior to entering the private development field, Bancroft spent 36 years in the ordained ministry of the Episcopal Church, serving the last 23 of those years in downtown settings in Houston and Detroit, 14 years as the Dean of the Cathedral in Detroit. In those capacities he was involved in numerous non-profit development projects totaling in the hundreds of millions of dollars. They included the creation of Tax Incremental Refinance Zone #2 in Midtown Houston, to managing the refinancing and development of RTC housing, to low-income senior housing and redevelopment of historical buildings. He used a broad range of financing: HUD Section 202, Section8, Section 108; low-income tax credits, historic tax credits, tax-exempt bonds, public pension funds, and conventional financing. In the 1980-90’s he was Chairman of Housing Opportunities of Houston, the public/private entity charged with dealing with the foreclosure crisis in Houston that helped manage the disposition of Resolution Trust Corp (RTC) housing.Bancroft is a native of Houston, Texas and a graduate of Texas A & M in history and economics and has a Masters in Divinity from Virginia Theological Seminary.

After a successful battle with fraudsters in Georgia prompted by “property flipping” that threatened her own family’s home, Ann Fulmer came to national attention when her story was featured in People magazine. Fulmer is a nationally recognized speaker who has illuminated the hidden costs of mortgage fraud to title insurers, mortgage bankers, brokers and servicers, realtors, appraisers, state and federal regulatory and law enforcement agencies, and community groups. Her determination to protect her family and community led to the development of the Georgia Real Estate Fraud Prevention and Awareness Coalition, Inc. (GREFPAC). Fulmer is a co-founder and immediate past president of GREFPAC, a coalition of representatives from every segment of the real estate and lending industries, state regulators, local, state and federal law enforcement agencies and neighborhood victims. GREPAC’s success identifying fraud rings and its assistance in criminal prosecutions has garnered national recognition and serves as a model for fighting mortgage fraud.As a lawyer, Fulmer spent several years litigating insurance fraud cases. She has also served as an Assistant District Attorney prosecuting white collar crime, as a private detective specializing in mortgage fraud and as a civil litigator representing lenders in mortgage fraud cases. Fulmer’s expertise is often sought for assistance in researching and analyzing fraudulent transactions, identifying fraudulent schemes and perpetrators, and in the preparation of evidence for prosecutions.

Evan Nemeroff joined SourceMedia in January 2011 as a reporter for Mortgage Servicing News� Managing REO. Topics that he writes about includes REO asset management, loan modifications, foreclosures, default servicing, property preservation and inspections. He also covers fraud and risk management for National Mortgage News. Nemeroff is a graduate from the University at Buffalo where he studied communications and public relations.

Steve Bailey, as Chief Servicing Officer, is responsible for directing PennyMac’s loan servicing operation, including implementation of the methods and programs directed at improving the value of acquired loans, as well as setting and managing performance goals for all aspects of the servicing and loan administration functions. Prior to joining PennyMac in April, 2010, Mr. Bailey served as the Mortgage Servicing Executive at Bank of America where he was responsible for overseeing a loan portfolio of over 14 million loans valued at over $2 trillion in outstanding debt, with operations that included more than 15,000 employees in 10 locations across the U.S. Prior to this role, Mr. Bailey served as Chief Executive Officer of Loan Administration for Countrywide Home Loans, following a progressive career in a variety of management and leadership positions in Servicing Operations since joining the company in 1985. Mr. Bailey holds a BA in Classical Guitar Performance from the University of Southern California.