Banco Popular de Puerto Rico

Kristen Thomas is Vice President, Assistant General Counsel, and Chief Compliance Officer at American Home Mortgage Servicing, Inc. (AHMSI), a third-party mortgage servicer in Coppell, Texas. She is responsible for regulatory compliance within the organization and its subsidiaries, including licensing and examinations, and advises the servicing business on mortgage servicing and debt collection regulations, including the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Home Owners Protection Act (HOPA), as well associated state provisions and licensing laws. Ms. Thomas also serves as the Privacy Officer for AHMSI and heads the Policies and Procedures department. Prior to joining AHMSI in 2009, she was with Ocwen Financial Corporation for more than 8 years, where she most recently served as Assistant General Counsel, Compliance, a role in which she counseled the servicing and debt collection divisions of the company on various compliance, governance and transactional matters. She obtained her Bachelor of Science degree in Finance from Florida Atlantic University and her Juris Doctorate from the Shepard Broad Law Center at Nova Southeastern University.

Mr. Levin is President of Rick Levin & Associates, Inc (RLA). He has been in the auction business since 1990. Mr. Levin is a licensed real estate broker in Illinois and a general member of the National Association of Realtors®, Illinois Association of Realtors®, National Auctioneer’s Association, Home Builder’s Association of Greater Chicagoland and was also a member of the National Association of Realtors® Auction Committee.Mr. Levin has experience in all phases of the auction business, ranging from a variety of real estate auctions, including vacant land; commercial office buildings; luxury single family homes; developer close-outs of homesites, townhomes, condominiums and single family homes, vacation properties; processing plants; and shopping centers to personal property auctions for antiques, memorabilia, numerous varieties of vehicles and heavy construction equipment. These sales have been conducted on behalf of a variety of clients, including the Internal Revenue Service, the Chicago Housing Authority, US Bankruptcy Trustees, Fannie Mae, Freddie Mac, state governmental departments, municipal corporations, local school boards, quasi-governmental organizations, non-profits, banks, institutional lenders, insurance companies, retailers, investment corporations, developers and individuals.In 2000, Mr. Levin was appointed by the governor of Illinois to sit on the Illinois Auction Advisory Board, a division of the Office of Banks and Real Estates, which oversees the administration of the Illinois Auction License Act. The License Act regulates the auctioneers who are licensed with the state of Illinois. Mr. Levin was also appointed in 2005 to the Advisory Board of the School of Real Estate at Roosevelt University in Chicago. Mr. Levin graduated in 1986 from the School of Business of the University of Illinois-Champaign/Urbana with a business degree in marketing.

James P. Sherrill leads the portfolio management activities for the MountainView Mortgage Opportunities Funds, which invest in residential whole loans and have $170 million of investable capital. In this role, Mr. Sherrill is responsible for all aspects of loan acquisition and disposition, including pricing, credit management, and servicing oversight. He also supervises the whole loan trading team and their activities for other buyers and sellers. James joined MountainView in 1994 through its predecessor, Matrix Bancorp, where he was instrumental in the sales activities of the institution. He later led the whole loan and mortgage-backed securities trading activities for the bank and holding company. James earned a Bachelor of Business Administration degree in Finance and Banking from the University of Missouri.

Ben Windust is senior vice president for default and home preservation operations for Wells Fargo Home Mortgage, headquartered in Des Moines, Iowa. Windust is responsible for all default and home preservation functions including capacity management, collections, loss mitigation, foreclosure, bankruptcy, service support, claims, property preservation, loss analysis, and Premier Asset Services (PAS), for prime, nonprime and sub-serviced products. Additionally, Windust has oversight for the Wachovia Held for Investment portfolio default operations. Windust began his career with Wells Fargo in August 1998 as a business systems consultant responsible for developing a new call center infrastructure still used by WFHM Servicing today. A year later Windust was promoted to production manager responsible for cash management. In 2000 he was selected to develop and implement the WFHM Servicing cross-sell program and assumed his responsibilities for Customer Contact Operations in 2001 and Servicing Compliance in 2004. Prior to joining Wells Fargo, Windust was director of operations at EDS for the manufacturing and retail division. His division responsibilities included operational deliveries such as direct system support, customer service, mail processing and data entry with the overall goal of improving client satisfaction and company profitability. Preceding his career with EDS, Windust worked at a family-owned business and as a production manager for Pella Windows. Windust attended the University of Northern Iowa where he received his bachelor's degree in business management with an emphasis in business administration.

Alexander Villacorta is Director of Research & Analytics for Clear Capital, a premium provider of data and solutions for real estate asset valuation, investment and risk assessment. Dr. Villacorta is responsible for research and development of innovative statistical methodologies in real estate analysis. His efforts helped produce the Clear Capital Home Data Index (HDI) - a powerful tool that delivers the most current and accurate market measures possible. Dr. Villacorta also contributes his insight to the company's monthly HDI Market Report which offers a near real-time look at pricing conditions at the national, metropolitan, and local market levels. Dr. Villacorta works with some of the top banks, investment firms and mortgage servicers, providing them analytical insight into local markets so they can make vital business decisions with confidence. His analysis provides localized market information for portfolio acquisition, short sale decisions, non-performing loan researching spatial dynamics of real estate data and forecasting methodologies. Some of his recent work has been applied to tracking the impact from the Gulf Coast BP oil spill on real estate values. He is a published author and has been featured on CNBC, National Public Radio and in several industry trade publications as an expert in real estate trends. Dr. Villacorta received his undergraduate degree in Mathematics from the University of Michigan and his Ph.D. in Applied Probability and Statistics from University of California, Santa Barbara.

Jeff Jaffee is the V.P. for Consumer and Community Affairs at Saxon Mortgage Servicing, Inc. where he is responsible for building partnerships with community organizations that are focused on redeveloping communities affected by the foreclosure crisis. Jeff joined Saxon in June of 2009 from Finance Scholars Group (FSG) where he was a principal in the financial institutions group.Prior to FSG, Jeff spent 23 years with Citigroup where he most recently was the Mortgage Program Director for EMEA. Prior to that, he managed compliance with fair lending laws and the community reinvestment act for all US Citigroup lending subsidiaries. At Citi, Jeff helped negotiate best practice agreements with the Center for Responsible Lending, the National Training and Information Center, NACA, ACORN and other leading community organizations. Prior to joining the corporate group, Jeff was the Director of Mortgage Lending for Florida and the Mid-Atlantic states for Citi. He managed a team of mortgage originators focused on first time homebuyers, refinances and trade – up buyers for Citimortgage and Citibank. He is on the Board of Directors of Groundwork, Northern Ireland and is on the Executive Committee of the Hope Now Alliance and is co-chair of the Servicers Committee for Hope LoanPort. Jeff is a graduate of Georgetown University where he majored in government.

Mike Wileman has over 16 years in the consumer finance industry, and began working with Orion Financial Group as Vice President of Sales and Marketing in 2001. In 2003, he was promoted to President where he oversees all aspects of the business, including sales and marketing as well as acting as the company’s chief spokesperson. In 2005, Mike also became CEO of Orion Financial Group, succeeding Walt Wileman as the second-generation owner of the company. Prior to joining Orion Financial Group, Mike worked with The Associates for seven years, most recently as Senior Vice President of Operations. In that post, he was responsible for three different divisions, averaging approximately 80 branches for $850 million in receivables. He also helped create a real estate sales force responsible for generating real estate loans and having them serviced through the branch system. Mike is a member of the National Institute on Consumer Credit Management, the International Credit Association, the Mortgage Bankers Association and the Property Records Industry Association.

Mr. Green has served as CEO of Dallas, Texas based Real Time Resolutions, Inc. since its inception in March, 2000. Real Time Resolutions, Inc. is one of the largest mortgage specialty servicers and mortgage consulting firms in the U.S., collecting and servicing mortgage loans and performing mortgage related consulting, evaluation, scoring and component related services for many national institutions and investment banks. Also, through its subsidiary, Resolution Capital, LP, the company trades mortgages and mortgage backed bonds and takes positions in those assets.Prior to working at Real Time Resolutions, Inc., Mr. Green was the president of Firstplus Financial Group, Inc. a Dallas based holdingcompany that, through its subsidiaries, was the largest high loan to value 2nd lien originator and servicer in the US. Mr. Green received his undergraduate degree in accounting from Southern Methodist University, his MBA in management from the University of Dallas, his fellowship from the University ofPennsylvania (Wharton School of Business), as well as a law degree from Texas Wesleyan University (law review). Mr. Green serves on the advisory board of the Nasher Sculpture Center in Dallas, Texas.

Sam Bready has 24 years of experience in mortgage asset management and default servicing on both large-scale and niche specialty servicing platforms. Prior to joining Home Servicing in 2010, Sam was Senior Director of mortgage default servicing for Capital One, where he managed a recently acquired service center, while integrating those resources into a replacement center that was built from the ground up. From 2005 to 2008, Sam was responsible for loan portfolio performance at Avelo Mortgage, a de novo servicer formed to support Goldman Sachs’ investments in performing and non-performing residential loans. From 2000 to 2005, Sam was a Vice-President at CitiFinancial Mortgage, where he was responsible for various default management functions, including loss mitigation, charge-off servicing, liquidations, bankruptcy administration, junior lien servicing, and non-performing mortgage trades. Prior to CitiFinancial, Sam was responsible for various default and customer facing functions for ContiMortgage (1997 to 2000), Trans Financial Mortgage (1994 to 1997), Atlantic Mortgage & Investment (1991 to 1994), and Barnett Mortgage (1987 to 1991). Sam holds a degree in Economics from James Madison University in Harrisonburg, Virginia (1984).

Brian Norton is one of the founding partners of Arch Bay Capital, LLC and currently manages the firm’s portfolio of residential mortgages and real estate. Arch Bay is one of the nation’s fastest-growing and most innovative mortgage hedge fund enterprises. Arch Bay has managed in excess of $3.5 billion of loans and real estate, and employs nearly 100 professionals.At Arch Bay, Mr. Norton has been actively involved in the firm’s development and growth. In addition to his work in asset management, he has led the sales and trading desk as well as the firm’s mortgage origination business. Prior to Arch Bay, Mr. Norton was VP of Business Development at 3 Arch Financial Services, a leading mortgage servicing business. He also has experience in technology development and in student lending.Mr. Norton holds an A.B. in History from Harvard University where he graduated cum laude.