Banco Popular de Puerto Rico

Gale Blackstock is Senior Vice President and Fair Lending Manager for BBVA Compass, headquartered in Birmingham, Alabama. Prior to joining BBVA Compass, Gale owned a consulting firm, Braasch & Blackstock, LLC. The firm provided regulatory compliance services for community and regional financial institutions, specializing in fair lending and compliance program development. Gale began her banking career in 1985 with SouthTrust Corporation as a Compliance Auditor. She joined Regions Financial Corporation in 1990. She was CRA and Fair Lending Manager for Regions until 2006 when she left to form the consulting firm. Gale currently is a member of CBA’s (Consumer Bankers Association) Fair Lending Committee. She is a graduate of the University of Alabama and is a Certified Regulatory Compliance Manager (CRCM). In her 26-year career in banking she has worked in Compliance Audit, Consumer Compliance, HMDA Data analysis and reporting, and CRA and Fair Lending.

As Senior Vice President and Compliance Manager for Wells Fargo, Jay oversees the compliance programs in the business units that make up the Community Banking Group. These units include the Regional Bank stores, Home Equity, Internet Services, Enterprise Marketing, Auto Dealer Services, Merchant Services, Consumer/Small Business Deposits, Business Direct, Wells Fargo Customer Connection call centers, Small Business Administration and Business Payroll Services. Key activities include regulatory relations, project support, change management, and internal compliance training and communications. Jay has 18 years experience in financial services. He joined Wells Fargo in February 1994 and has held various business operations, compliance and operational risk management positions during his tenure. He earned a Bachelor of Science in Management from Spring Hill College, Mobile, AL and a Masters of Business Administration from the University of Colorado, Colorado Springs, CO. Jay is a Certified Regulatory Compliance Manager (CRCM).

Frank is a Managing Principal of Capco. He has 30+ years of experience in finance and risk management, including projects in mortgage banking, consumer lending, and investment management, both as a consultant and a bank executive. Frank specializes in identifying critical risks/opportunities (especially involving credit & market risk), quantifying their impact and presenting these insights creatively. Frank is currently responsible for Capco’s Automated Underwriting Decisioning tool that focuses on home loan valuations and loss mitigation/loan modification strategies. Prior to Capco, Frank worked as a SVP at Marsh’s Oliver Wyman. He was a Principle of Arthur Andersen/Accenture and also a senior M&A analyst at First Nationwide Bank (during the last S&L crisis) and a First VP at Wells Fargo in their home lending businesses. His finance expertise was honed while serving as CFO for Citibank’s International Private Bank.

Robert Shiller was part of the original team when Wingspan Portfolio Advisors was founded in 2008. He has played a key role in developing Wingspan�s core business of problem loan resolution, working with transactions that have been deemed hopeless and finding ways to turn them into re-performing assets. He is responsible for Wingspan�s Enhanced Servicing Solutions unit, which focuses on home retention and foreclosure alternative strategies, and is among the nation�s top experts in the field of handling problem loans. Twice awarded �Servicer of the Year� honors by Mortgage Technology, Wingspan was recently named #23 on the Inc. 500 list of fastest-growing private companies in the U.S.

Marlon Groen is Vice President of Legal and Compliance at PHH Mortgage and is responsible for partnering with the business units to maintain compliance with applicable state and federal laws impacting the mortgage lending business from loan origination through foreclosure. This role is critical to PHH Mortgage business to ensure compliance with mortgage banking and servicing state and national legal requirements. Prior to joining PHH, Marlon was Vice President and Senior Counsel at Sovereign Bank where he was providing legal compliance support in all areas of wholesale and retail residential mortgage lending, servicing and default. Marlon obtained his Bachelor of Arts degree In History and Political Science from the University of Delaware, and his Juris Doctorate from Brooklyn Law School.

Doris Raimundi joined Saxon in 2010 as Vice President of Portfolio Management where she is responsible for oversight of Saxon’s Fannie Mae and Freddie Mac assets. Doris has over 14 years experience in default servicing and prior to Saxon was employed at JPMorgan Chase as Vice President over various collections and loss mitigation operational divisions. Doris has held a variety of management positions with JPMorgan Chase, EMC and HSBC and has a BA in International Relations from the University of South Florida and an EMBA specializing in International Business Management from the University of Miami

Dorothy Siple is a 22 year veteran at Fannie Mae, who is a Sr. Credit Risk Analyst, in Servicing Credit Risk Policy responsible for the Fannie Mae Servicing Guide. In this capacity, Ms. Siple leads the policy development efforts for new or revised Fannie Mae servicing policy. Her duties will include executing servicing announcements, examining risk elements of proposed servicing policy initiatives, and consulting business units on Fannie Mae servicing policy. Ms. Siple has served Fannie Mae in a variety of customer management roles, including the positions of Servicing Consultant and Credit Risk Manager. Dorothy holds a Master’s degree in Marketing from Lewis University, where she also received her undergraduate degree.

Jack Reed is a champion for middle-class families and a strong believer that, through hard work, all Americans should have the opportunity to build a better life. A former Army Ranger, Reed is a national leader on defense, housing, and economic issues. He has led efforts to promote responsible budgets, create jobs, and strengthen our economy.As one of just eight Senators in U.S. history to graduate from West Point, Time magazine noted: “Reed is a serious, intellectually honest veteran and an expert on defense issues in the Senate.” In 2008 the New York Times noted: “Mr. Reed has had a passion for housing issues throughout his career. Beginning in the early 1980s when, as a young lawyer, he did pro bono work for Amos House, a Providence soup kitchen and social service agency, and continuing after his election to the Rhode Island Assembly, the House and finally the Senate.”Recently, he authored laws to create a new affordable housing trust fund, improve consumer disclosures on mortgages, and address the needs of middle-class families who are struggling with the fallout from the housing crisis.