Banco Popular de Puerto Rico

Danny Gardner serves as the Chief Operating Officer of the National Community Stabilization Trust. In this capacity, he is responsible for the management of all resources dedicated to the efficient transfer of REO properties from Financial Institutions to public entity and non-profit purchasers as well as oversight for the Trust's administrative functions. Danny has almost 18 years experience in mortgage banking with direct management experience in residential servicing, originations production and lending operations. Most recently, Danny served as National Director of Strategic Markets for Citimortgage with responsibility for all of its Community and Multi-Cultural Lending strategies, products, assets and relationships. In addition, he managed Citimortgage’s Special Programs Administration business which provided services to State and Local Housing Finance Agencies in support of their single-family homeownership programs.

Kirk Gerling serves as Senior Vice President, Home Retention, for Carrington Mortgage Services, LLC. He leads home preservation and loss mitigation efforts for the company, managing a team of approximately 40 seasoned home retention professionals based in Santa Ana and Fishers. Kirk joined Carrington Mortgage Services in August 2007 with 15 years of consumer finance and mortgage banking experience. Prior to joining Carrington Mortgage Services, he served as Sales Manager at Fremont Investment & Loan, and earlier in his career, spent seven years at Greentree Servicing where his last assignment was Loan Servicing Center Manager. Kirk began his consumer finance career at Associates Financial Services Corporation. Kirk received a Bachelor of Science in Management from Idaho State University and is based in Fishers, Indiana.

Timothy Walsh is the executive vice president of Sperlonga Data and Analytics.

Sharee McKenzie Taylor is the director of industry relations at Interthinx.

Phil Comeau is President and CEO of Phillip E. Comeau Company, Inc. and Synergistic Associates, Inc. In addition, Phil is a Casual employee of CSC, the owner of the EarlyResolution suite of default technology. Phil has been an innovative leader in mortgage delinquent loan management, data analytics and performance metrics. Prior to forming his consulting companies, Phil was with Freddie Mac where he was responsible for the development and implementation of a number of innovative technologies to enable servicers to reduce the frequency and severity of delinquent loans more effectively and more efficiently, including Electronic Default Reporting (EDR), Workout Prospector®, EarlyIndicatorSM (EI), and EarlyResolutionSM (ER). He was responsible for the development and implementation of Freddie Mac’s “Non Performing Loan Servicer Performance Profiles”. These servicer Profiles have become the standard by which conforming loan servicers assess their performance in managing delinquent loans. Phil and his staff implemented the Designated Counsel program, which significantly reduced foreclosure timelines and costs.Phil has over 42 years of residential and commercial finance experience, including over 25 years of commercial and residential loan workout experience. He received his MBA in Finance and BS in Engineering from Cornell University. He is on the Board of National Bankruptcy Services and does volunteer with St. Joseph, the Worker LTD.

Dominic Baglio is Senior Vice President of Default Services at Green Tree Servicing LLC. Dominic has been in the financial services industry for over 24 years. For the last thirteen years, he has been with Green Tree with oversight of Default Services which include Loss Mitigation (all retention and liquidation initiatives), Valuation, REO, Property Preservation and Private Mortgage Insurance Claims. Prior responsibilities at Green Tree included managing the Foreclosure, Bankruptcy and Bad Debt Recovery business. Positions held prior to Green Tree include Vice President of Asset Management for the Money Store, Assistant Vice President of Foreclosure/Bankruptcy/REO for 1st Nationwide Mortgage and Director of Default for ContiMortgage.