Banco Popular de Puerto Rico

One of the country's most frequently-quoted sources on foreclosure, mortgage and real estate trends, Rick has appeared on NBC Nightly News, CNN, CBS, ABC World News, CNBC, FOX and NPR. Rick has briefed government organizations such as the Federal Reserve and Senate Banking Committee and corporations like JPMorgan Chase, Citibank and Deutsche Bank on foreclosure trends, and done foreclosure training for leading real estate organizations such as Re/Max, Prudential and Keller Williams. Prior to joining Carrington, Rick spent 8 years at RealtyTrac, where he was a Senior Vice President, responsible for marketing, business development and data operations. The 2006 Stevie® Award Winner for Best Marketing Executive, Rick has more than 20 years’ experience developing corporate and product sales and marketing strategies for corporations such as DuPont, Fujitsu, Hitachi, Toshiba, JD Edwards, Cox Communications and Honeywell. Rick began his career with Foote, Cone & Belding, and also held executive positions with Ketchum Communications and McGraw-Hill. Rick is a member of the National Association of Real Estate Editors, the USFN and REOMAC. He is also President of the Technology Council of Southern California.

In his seven years at Community HousingWorks, Gabe del Rio has created one of the most productive and innovative nonprofit Homeownership Centers in the country, providing first-time homebuyers with first mortgage loans, housing counseling and education, down-payment loans, and real estate brokerage services, serving an additional 2000 households in 2009. He is a frequent speaker on homeownership and foreclosure policy issues, and a national trainer. Del Rio is a founding President of the San Diego Housing Opportunities Collaborative, provider of the foreclosure prevention HOME clinics. Past board memberships include the San Diego Capital Collaborative and Rebuilding Together San Diego (President). Mr. del Rio is also the only Accredited Mortgage Professional and graduate of the MBA School of Mortgage Banking who works full-time in non-profit housing.

Mark Bucedi is co-owner of Bucedi Real Estate with his wife, Patricia Bucedi. They have been active in real estate since 1996 serving Solano,Napa, Sonoma, Yolo, and Sacramento counties. The Bucedi Team has spent the last 3 years helping distressed sellers with loan modifications and short sales successfully obtaining over 350 short sale approvals since 2008. Having done short sales in the 90s helped them with the current real estate market conditions to help people who could no longerafford their homes. Patricia’s bilingual abilities also helps them reach out to the Hispanic community. They service Wells Fargo/Wachovia and Patelco REO properties. The Bucedi’s also have an extensive pool of homebuyers.The Bucedi’s are members of the Cal Short Sale Brokers, Women’s Council of Realtors, REBAC, SAREC, NAHREP, Hispanic Chamber of Commerce, National Association of Realtors, California Association of Realtors and Solano Association of Realtors. Their business was the recipient of an award from the Hispanic Chamber of Commerce for being one of the top 5 businesses serving the Hispanic community. Mark is very knowledgeable in technology and strives to take advantage of all the tools available to make their business more efficient. The Bucedi’s have over the years developed creative systems and methods to assist the distressed home owners, never taking a passive stance, but a pro-active one to get the job done.The Bucedi’s strive to for a high degree of integrity and making the needs of each and every client a priority. Their honest and professional representation has created a very large referral base in the various communities they service.

Rebecca Walzak is an expert in loan quality assurance and risk management, with more than 30 years of experience in the financial services industry. She serves as president of Looking Glass Group, LLC, a consulting firm focused on business transformation initiatives in the financial services industry. Looking Glass also offers vendor management guidance. Walzakis also the president of rjbWalzak Consulting. In this capacity, she is responsible for providing consulting services to clients in the areas of Quality Control and Regulatory Compliance as well as Operational and Enterprise Risk Management. Her clients include numerous banks, mortgage and brokerage companies and financial service organizations that offer both consumer and commercial financing. Previous experience included providing consulting services in the areas of Operational and Enterprise Risk for Boston Portfolio Advisors, Inc. where she was responsible for providing clients with guidance on process improvement and analysis. Prior to BPA, she provided consulting services for EBS, Inc, a leader in Quality Control technology. At this organization she also served as General Manager of the Quality Control Services Division. In this capacity she was responsible for the overall management of the Consulting and Outsourcing Departments. Other mortgage banking experiences includes serving as Vice President of Quality Control for Chase Manhattan Mortgage Corporation, a position Walzak assumed after four years directing the Quality Control/Risk Management operations for Prudential Home Mortgage Company. In these positions she developed and implemented leading edge Quality Control and Operational Risk assessment tools and processes that encompassed the origination, servicing, fraud prevention, early payment default, repurchase and branch analysis functions. She also served as co-chairman of the Chase Risk Management Committee. During her tenure in mortgage banking, Walzak has managed a variety of wholesale and retail operations in addition to administrative functions including system support, correspondent risk management and national closing operations. Ms. Walzak received a B.S. degree from Indiana University of Pennsylvania, a Masters in Business Administration from University College, University of Maryland and her Quality Manager Certification from George Washington University in Washington, D.C. She served as the 1996 Chairman of the MBA Quality Assurance Committee. Walzak is a frequent lecturer at Mortgage Bankers and Brokers conferences, has taught the Quality Control course in MBA's School of Mortgage Banking and authored articles on quality control and risk management for several industry publications. She also served as a member of the California MBA's Quality and Compliance Committee as well as founding the Florida Quality Council. She is currently a member of the Mortgage Banker's Association of America, ASQ and the Risk Management Association.

Anupam Ladha is a Managing Director in Marathon's Real Estate Group focused on real estate debt investments (including distressed debt purchases and new loan originations) across all asset classes in the US. Mr. Ladha joined Marathon from The Carlyle Group, where he was a Vice President in the US Real Estate Acquisitions group in Washington, DC. At Carlyle, Mr. Ladha completed the acquisition and financing of over $1.5 billion of hotel, assisted living, retail, residential and office properties.

Barney Frank represents the Fourth Congressional District of Massachusetts, and he is also the Ranking Member of the House Financial Services Committee. Last year, he helped pass the Dodd-Frank Wall Street Reform and Consumer Protection Act," a new law that the Washington Post has called “the most sweeping overhaul of the nation's financial regulatory system since the Great Depression.” Frank began his career in the Massachusetts State House, where he served for eight years before winning a seat in the U.S. Congress in 1980. Although he is widely-recognized for his work on national issues, Frank has also fought to help New Bedford fishermen, to bring commuter rail to the Southcoast, to provide affordable rental housing, and to support many local organizations and businesses.

Beji Varghese is a Director with Navigant Capital Advisors, the dedicated corporate finance business unit of Navigant Consulting, Inc. (NYSC: NCI), in the Valuation and Financial Risk Management practice. Mr. Varghese is based out of the Washington DC office. Mr. Varghese has been intimately involved in helping servicers mitigate the current issues affecting foreclosure processing. Prior tojoining Navigant, Mr. Varghese was the COO of a specialty residential mortgage servicer. In that role he was responsible for the firm’s infrastructure, operations and servicing system performance. Mr. Varghese also specializes in the area of governance, risk and compliance and has advised multiple companies in the design andimplementation of effective internal controls.Mr. Varghese is also a highly skilled Business Intelligence expert. He has helped several large financial institutions design and implement complex financial reporting solutions and very large data.

Ms. Brody concentrates on federal and state regulatory compliance and enforcement matters, primarily for financial services providers. She represents banks, mortgage lenders and consumer finance companies on a variety of issues, including fair lending, privacy, and information security. She also handles matters involving compliance with the Fair Credit Reporting Act, Home Mortgage Disclosure Act, Fair Debt Collection Practices Act and Real Estate Settlement Procedures Act.

Doug Danko serves as Vice President and Customer Group Manager for MERSCORP, Inc. Doug joined the company in 1998 as the Director of Sales & Marketing and was promoted to Vice President in 2004. As the Customer Group Manager, he is responsible for all customer-related activities including marketing and sales. Prior to joining MERS, Doug was a principal in a Virginia mortgage banking firm specializing in net branching, retail development and subprime originations. He also managed the daily secondary operations of United National Mortgage Corporation where he initiated the retail and correspondent divisions. Doug has been one of the top national wholesale originators at firms such as Sunbelt National Mortgage (currently First Horizon Home Loan Corp.), earning him the President’s Platinum Award twice, and NatWest Home Mortgage (then Fleet Mortgage Group, currently WAMU). Doug started his career as a loan officer for America’s Lending Network, a division of Standard Federal Savings Bank, in Maryland, where he was a top producer for several years. Doug and his wife live in Northern Virginia with their children. He holds a Bachelor of Science Degree from Edinboro University of Pennsylvania.