Banco Popular de Puerto Rico

Lisa C. DeLessio is partner in the Maryland office of Hudson Cook, LLP. She joined Hudson Cook in December 2004, and concentrates her practice in consumer financial services law. She assists national and state banks, savings associations, mortgage bankers, and licensed mortgage lenders and servicers with a variety of federal and state compliance issues. Lisa worked with CounselorLibrary.com, LLC to create a multi-state compliance database to address mortgage servicing issues and regularly works on issues faced by mortgage servicers. Prior to joining Hudson Cook, Lisa was an associate in the commercial litigation department of Shulman, Rogers, Gandal, Pordy & Ecker, P.C. Her practice focused on litigation involving contract, partnership, corporate, and employment disputes. Lisa also served as a judicial law clerk to the Honorable Ann S. Harrington in the Circuit Court for Montgomery County, Maryland. Lisa graduated from the University of Maryland School of Law and received her undergraduate degree with honors from Loyola College in Baltimore, Maryland. Lisa is admitted to practice law in Maryland, Virginia and the District of Columbia. She is a member of the Consumer Financial Services Committee of the American Bar Association and the Maryland State Bar Association.

Michael T. Hernandez is Fannie Mae's Vice President – Foreclosure Prevention and Outreach. He reports to the Senior Vice President – National Servicing Organization (NSO). Hernandez is responsible for the development and operation of borrower loss mitigation and retention strategies, including the Fannie Mae Mortgage Help Centers, Non-Profit Counseling partnerships and Outreach events and activities. He is also responsible for the development and deployment of Fannie Mae's mortgage mediation initiatives. Before his recent appointment, Hernandez was Vice President – Policy responsible for the development and ongoing maintenance of HCD financial risk policies, standards and procedures for establishing and maintaining HCD Delegations of Authority, and for the review and approval of HCD New Business Initiatives. Preceding that position he was Vice President - Community Development HCD for the Southwestern Regional Office, Dallas, TX, responsible for implementing Fannie Mae's American Dream Commitment and directing affordable housing efforts and investments in the ten-state region.Previously, Hernandez held several positions with Fannie Mae including Director of the San Antonio Community Development Center, and Director of Housing Initiatives at Fannie Mae's Washington, DC office. Prior to joining Fannie Mae in July 1993, Hernandez served as the Deputy Assistant Secretary for Single-Family Housing with the U.S. Department of Housing and Urban Development.Early in his professional career, Hernandez was Vice President of Commercial Real Estate with NationsBank where he oversaw the origination and servicing of a $200 million portfolio. Hernandez has a master of business administration from St. Mary's University in San Antonio, TX.

As Director of Policy in the Office of Homeownership Preservation at the U.S. Department of the Treasury, Laurie Anne Maggiano is one of the architects of the Administration's Making Home Affordable Program, whose goal is to help up to millions of American families avoid foreclosure through refinance or modification of at risk loans.Before joining Treasury, Ms. Maggiano worked for the US Department of Housing and Urban Development for 10 years where she ran the FHA loss mitigation program and oversaw the sale of foreclosed homes. Prior to government service she spent 20 years in the mortgage industry as Sr. Vice President of a major West Coast savings bank and as Director of Real Estate at Freddie Mac. She has consulted extensively in the nonprofit housing sector including four years on the faculty of the Neighborworks Training Institute.In 2010 Ms. Maggiano was recognized by the Five Star Institute with a Lifetime Achievement Award for her contributions to the mortgage servicing industry.

John Levonick, Chief Compliance Counsel at Opus CMC, has 13+ years of proven success in regulatory compliance for consumer financial services. John has worked directly with creditors, servicers, issuers and investors in providing guidance on regulatory compliance requirements and risk management.Prior to joining Opus, John held executive leadership roles with a loan origination technology and document provider, prominent due diligence firms, a student loan originator and servicer, and a mortgage lending fulfillment business process outsourcer.� John has deep insights on the consumer lending market, process deficiencies, risk issues, and market dynamics, and has consulted extensively with clients to help remediate their challenges through process, technology and compliance solutions.His experience as a Chief Legal Officer, Chief Compliance Officer, Regulatory Counsel and Associate General Counsel has given him the opportunity to provide guidance to market participants in navigating the challenges of a constantly changing regulatory environment.

Gabrielle Harrison joined Bank of America in April 2010 with more than 20 years in the mortgage finance industry. Her experience includes leading sales and multi-site operations, development and execution of new processes and tools and successful establishment and sustainment of relationships with all levels of local, state, governmental and non-profit agencies. She is currently responsible for the day-to-day execution of the Real Estate Owned operations focusing on the successful disposition of both Bank of America and investor assets. Prior to joining Bank of America, Gabrielle led the Real Estate Owned division for Fannie Mae which is the largest Real Estate Owned business nationwide. As vice president for Fannie Mae’s National Property Disposition Center (NPDC) Real-Estate-Owned Sales, she was responsible for managing credit losses and developing strategic plans to facilitate the effective marketing of foreclosed properties. She also served in the role of Fannie Mae's industry facing position for community involvement and as a point of contact for numerous real estate organizations. Before her appointment to vice president, Gabrielle was the sales director for Fannie Mae's NPDC where she managed the disbursement of approximately $3 billion in real estate annually; developed geographically specific strategies to sell corporate assets located nationwide; assisted in the development of the financial control structure for the NPDC; developed communication strategy of the financial control environment for the NPDC; created sound policies & procedures and operationally effective controls and reports; and provided direction and vision to professional level management and staff of approximately 70 associates. Her tenure with Fannie Mae also includes serving as a sale manager and sale representative for the NPDC.Before joining Fannie Mae in 1995, Gabrielle was a community mortgage representative for Commerce Bank. Before that, she was a mortgage consultant and a mortgage sales manager for PHH US Mortgage.Gabrielle has a bachelor of arts degree in rhetoric and communication from the University of Virginia.

Joel S. Pate is a 28-year veteran of the real estate, mortgage and credit industries and has founded many successful ventures. He lives in Mobile, Ala., with his wife Mitzi of 28 years, two daughters and their family. Joel and Mitzi are proud grandparents. You can reach him at www.joelpate.com or www.scoreinc.com.

Lou DiPalma is a managing partner of Garnet Capital Advisors, LLC, a New-York-based financial-services firm providing in portfolio-sale and capital-raising advisory services in the distressed debt market. Lou manages Garnet�s client-origination and portfolio-sales efforts. He has been involved in over 500 such transactions; his asset brokerage experience includes credit cards, installment loans, mortgage and commercial loan products. In 1987, Lou helped build Cohane Rafferty�s loan portfolio sales and advisory business, where he worked for 15 years until shortly after the firm�s acquisition by Lehman Brothers. Lou was then a founding member of the Keefe, Bruyette & Woods loan sales group (2002-04) prior to starting Garnet Capital. Lou is a leading figure in the marketplace for all types of whole loan asset trades. He has written for and been widely quoted in numerous industry publications including American Banker, The Financial Times (London), and Collections and Credit Risk. He is a frequent speaker at industry-sponsored events and has chaired Source Media�s National Credit Risk Conference. He has a B.S. from St. Lawrence University and a Masters in Banking from the American Institute of Banking.

Neil Spagna is a founding member of Shelving Rock and is responsible for overall whole loan and REO portfolio acquisition and management activities. Neil has specialized in the due diligence, analysis, pricing, and management of performing, sub-performing, and non-performing loans and REO properties since 1993. Prior to Shelving Rock,, he was a Director in the Mortgage Finance Group at Nomura Credit and Capital, Inc. and was a ten year member of the executive management team at Clayton Holdings, Inc. where he ran the Residential and Consumer Due Diligence businesses. Neil has also held management positions at both Kidder Peabody and Beneficial Mortgage. He is a graduate of the University of South Florida and a former officer in the Air Force Reserve.

Mike currently manages Nationstar’s “partnerplus” origination division which is uniquely integrated with internal and external servicing partners to maximize liquidation and loss-mitigation strategies for specific loans pools. His division is an industry leader in developing customized refinance campaigns and maximizing net execution for asset owners. Since 2007, Mike has facilitated strategic alliances with over thirty banks, hedge funds, and other mortgage servicing companies as related to whole loan liquidation and related activities. Refinance analytics are an essential component in determining an approach to npls as a buyer or seller. Mike’s team is experienced in providing assistance for transactional refinance analytics that are strongly integrated with a servicer’s loss-mitigation waterfall. Nationstar is the top national FHA Short-Refi and Hope for Homeowners lender. Mike graduated from the University of South Florida.