Dave Bialzak

David Bialzak is Executive Vice President and Manager of Real Estate Compliance and Operational Risk for the Consumer Lending Group. In this role, he is responsible for compliance risk, operational risk, counterparty risk and fraud risk for the real estate lending businesses. Prior to leading the Real Estate Compliance and Operational Risk groups, he was Chief Credit Officer for Wells Fargo Home Mortgage, the nation�s leading originator of residentialmortgages. In this role, he was responsible for credit policy, counterparty risk management, portfolio credit management, automated decisioning, captive reinsurance risk management and fraud risk management forWells Fargo Home Mortgage. His career withWells Fargo Home Mortgage, prior to leading the Credit Risk Management group, included a number of positions within the Capital Markets group, including Senior Vice President in charge of servicing portfolio risk management and head of structured finance. He joined Wells Fargo Home Mortgage in 1996. Before joining Wells Fargo HomeMortgage, he was Group Vice President and head of Structured Finance for Prudential HomeMortgage, which was acquired by Norwest in 1996. Prior to joining Prudential Home Mortgage, he was a senior manager in the national mortgage banking consulting practice of KPMG in Washington, D.C., where he led the collateralizedmortgage obligation modeling practice.He earned a bachelor�s degree in electrical engineering from the University of Virginia in 1981 and an MBA in finance from Cornell University in 1985.