Banco Popular de Puerto Rico

Sam Kaddah is CEO of bFocused, Independence, Mo. His company produces the Liquid Logic LOS, which comes with a robust borrower portal. Sam can be reached at sam.kaddah@bfocused.net.

Mr. Sercy has fifteen years of loan collection experience, with eight of those years managing and running the specialty default collection. He has led & developed this business line that provided collections support services to clients including Citigroup, Fannie Mae, Ford Credit, Honda Motors, Accredited and EMC.In this capacity, he was also responsible for all facets of the business including technology integration, training, operations and business development. Prior to this, Mr. Sercy was at Citigroup responsible for special servicing agents.

Johanna Traynor serves as senior loan officer for Lone Oak Fund LLC, where she leads the firm�s loan origination department.

Corey Hulbert is assistant vice president and head of appraisal business at SLK Global, a business process and software services provider. Corey has 18 years of experience in the appraisal industry. SLK Global focuses on providing BPO services to mid-sized and large financial services organizations in the U.S. banking, mortgage lending, title insurance and other financial services sectors.

Robert Knohl has more than 20 years of experience in the distressed real estate and mortgage industries.� He began his career by acquiring RESS Financial Inc., a mortgage foreclosure business.� He acquired this business in a leveraged buyout, became CEO of the company, turned the company into a highly profitable business and later sold the company. Recognizing the inefficiencies in the distressed mortgage industry that arose out of the paper intensive nature of the business, Mr. Knohl then formed Default Management Network.� This company developed the technology that led to the paradigm shift of the industry towards a paperless environment.� Mr. Knohl sold this company to All Tel in 1993. Following this sale, Mr. Knohl noted that loss mitigation was becoming a focus in the distressed real estate industry and founded NROC, LLC.� Mr. Knohl built out this loss mitigation business and ultimately sold it to Nomura in 2007. Over the past five years, Mr. Knohl has focused on developing a premier distressed financial service sector "eco-system", utilizing all of his experience with REO.com and his experience in foreclosures, loss mitigation and the technology necessary to support these businesses. Mr. Knohl's core strengths include entrepreneurial vision, identifying complementary distressed real estate businesses that are undervalued, acquiring those businesses and improving their profitability and utilizing technologic advances to enhance PPM�s businesses. Mr. Knohl received a Bachelor's Degree in Political Science, with a minor in Economics, from the University of Southern California.� He is a member of numerous industry organizations and is a member of the boards of several non-profit companies.

James Dooley is the President of American Mortgage Investment Partners (AMIP). AMIP manages two funds which are both focused on the acquisition and resolution of distressed residential mortgage loans. One of the investors and partners in AMIP is American Home 4 Rent, one of the largest REO-to-Rental investors in the country.Mr. Dooley has over eighteen years of experience specifically trading and managing distressed residential mortgage loans, REO and other distressed consumer assets. He has extensive experience managing special servicers and has implemented at multiple servicers loan default policies and procedures, NPV-based decision models, and oversight protocols designed to identify systemic and non-systemic risk issues with the goal of reducing costs, such as forceplaced insurance, and streamlining timeframes for resolving borrower delinquencies.James Dooley manages the Loan Servicing Solutions practice for NewOak Solutions LLC. The practice provides best in class asset management solutions for investors and owners of distressed residential loan portfolios. A primary focus of the practice is to provide clients with a consistent and defendable set of loss mitigation policies and procedures that loan servicers to maximize returns while remaining in compliance with regulatory guidelines.Prior to joining AMIP, Mr. Dooley managed the Loan Servicing Solutions practice for NewOak Solutions LLC which was focused on best in class asset management solutions for investors and owners of distressed residential loan portfolios. Mr. Dooley had previously managed a $4.2B distressed loan portfolio, one of the largest distressed legacy loan portfolios emanating from the recent financial crisis, for Barclays Capital and a spin-off fund, C12 Capital Management. He directed the due diligence review of multiple special servicers, managed servicing transfers, created an oversight structure with an internal ranking system for assessing servicer quality and risk exposure, and implemented protocols and tactical programs for �best in class� loss mitigation and default management. He also built out a consumer direct loss mitigation servicing group. Over an 18 month period Mr. Dooley�s team increased short sales and DIL resolutions from 20.9% to 60% of all loss resolutions (where the benchmark ABX 2007 industry average was 33.9%). Recoveries were 52% higher than the benchmark ABX.Mr. Dooley previously established distressed loan trading desks at WaMu Capital, The Winter Group and Countrywide Securities. At each of these firms he purchased and sold multiple distressed loan pools and played a key role in deal marketing, bid and contract negotiations, diligence review and closing, and pricing. He monitored various servicers, established protocols for loss mitigation, and managed efforts to enhance investor default reporting. Lastly, he played a key role in developing pricing models. At WaMu Capital his pricing model was used to value all unsold assets transferred into the Held-For-Investment portfolio, and his white paper on pricing methodology was used to justify pricing with regulators and auditors.�He holds a B.A. from Trinity College (Hartford, CT) and an M.B.A. from The Kennan Flagler School of Business at the University of North Carolina.

Michael Richardson is the managing director of Cognitive Options Group LLC, a consulting firm specializing in mortgage due diligence and compliance reviews.�

Cathy Oniffrey has built her career and reputation as a Senior Executive in the Financial Lending and Distressed Debt space. �Ms. Oniffrey has substantial lending experience in commercial and residential real estate, distressed mortgage/REO finance, private equity and large corporate financial structures. �She has a high performing track record and has consistently demonstrated the ability to source viable financing transactions, market effectively, originate and close sound, profitable business. � In addition, Ms. Oniffrey has managed highly experienced originators and underwriters. �She has created her market in the industry by becoming an accomplished Executive Leader through her deep understanding of end-to-end process including: product development and implementation, origination, credit/underwriting, documentation/closing, work-outs, portfolio monitoring and servicing. Known to be a natural marketer with strong credit skills with an ability to deliver results, negotiate on a win/win basis and collaborate diplomatically.�

Shashank CM is the associate director of servicing solutions for ISGN.

Randy Loghry is founder and principal of Mortgage Technology Advisors, a consulting firm specializing in origination technology strategy, selection, implementation and optimization, as well as origination process automation and optimization.