Banco Popular de Puerto Rico

Jeremy Radcliffe is a residential mortgage loan officer with Oak Mortgage Group in Dallas. Radcliffe is a former software developer and enjoys using his technology background to improve borrower experience and ease workflow

Tassos Efstratiades is a partner in the Philadelphia and Cherry Hill, N.J., offices of Obermayer Rebmann Maxwell & Hippel LLP.

John M. Draghi joined Nationstar Mortgage in February of 2012. Between 2009 and 2012, he was a Managing Director in Financial Services at Fortress Investments and worked closely with the Nationstar Senior Management Team. Prior to joining Fortress from 1996 to 2007, John was CEO, COO, and CIO at C-BASS, an industry leader in residential investing and servicing. For over 12 years, John has worked in the securities industry, including Vice President at Paine Webber, where he was responsible for trading residential whole loans, new issue non-Agency MBS, Subordinated Securities, and REMIC Residuals. He worked eight years at Lehman Brothers in Capital Markets and Structured Finance. John stared his career as a Senior Auditor at Coopers & Lybrand. John has been a consultant in the subordinated mortgage market for a select group of institutional investors.John earned his B.S./B.A. in 1981 from Boston University and is a Certified Public Accountant.

Thomas Lin holds a Senior Vice President position in the National Mortgage Outreach division of Legacy Asset Servicing at Bank of America.In this role, Lin oversees neighborhood stabilization efforts for Bank of America including the development and implementation of community revitalization partnerships in hardest hit cities across the country negatively impacted by the increase in foreclosures and vacant and abandoned properties. In addition, he is responsible for managing Bank of America’s property donation program and working with city, state, and non-profit organizations in the development of innovative community revitalization strategies.

Ronald Friedman has been a Managing Director of CAMG since its inception. CAMG Invests and manages pools of assets with a concentration in performing second mortgages.� �Mr. Friedman is a seasoned professional with over 20 years of mortgage banking experience with a concentration in the origination, servicing and selling of mortgages in the secondary market.Mr. Friedman�s professional career began in 1987 with Deloitte LLP (formally Deloitte & Touche) as a Sr. Accountant. In 1989, he incepted a mortgage bank in which he owned and operated a national multi branch operation which within five years was funding over 5000 transactions a year. The company also has a separate residential rehabilitation division which Mr. Friedman personally managed. This division acquired and resold foreclosure properties on behalf of investors. They funded over 3000 transactions within that time period.In 2006, Mr. Friedman began to divest his interest elsewhere to begin the launch of CAMG. Mr. Friedman received his undergraduate degree in accounting from George Washington University and is a certified public accountant.

Cheryl L. Burm is the managing attorney of the Ft. Lauderdale, Florida office. She practices in the Real Estate Default Group of Weltman, Weinberg & Reis Co., LPA, focused on foreclosure and eviction services. Cheryl earned her B.S. from the University of Buffalo in 1996, and her J.D. from St. Thomas University School of Law in 2001. In addition, she earned an LL.M. in Taxation from the University of Miami School of Law in 2003. A member of the American, Florida, Broward County and Dade County Bar Associations, Cheryl is licensed to practice before the state courts in Florida and is admitted to practice in the U.S. District Court (Northern and Southern Districts of Florida).Weltman, Weinberg & Reis Co., LPA, celebrating over 80 years of experience, provides comprehensive bankruptcy, consumer and commercial collections, litigation and real estate default services to creditors throughout the United States, including major banks & financial institutions, mortgage lenders & servicers, commercial creditors, government entities, insurance companies, manufacturers, credit unions, service organizations, medical and utility companies. Recognized as the largest creditors’ rights law firm in the nation, as ranked by Collections & Credit Risk magazine, WWR’s practice areas include bankruptcy, collection services, corporate & financial services, legal action recovery, litigation & defense, probate, real estate default (foreclosure, eviction, title & REO) and subrogation. The firm has five Ohio offices in Brooklyn Heights, Cincinnati, Cleveland, Columbus, and Grove City, along with offices in Detroit, MI, Philadelphia, PA, Pittsburgh, PA, Chicago, IL and Ft. Lauderdale, FL.

Andrew Jakabovics is senior director for policy development and research at Enterprise Community Partners, a national nonprofit organization that creates opportunity for low- and moderate-income people through fit, affordable housing in diverse, thriving communities. Mr. Jakabovics oversees a team researching issues related to foreclosures and neighborhood stabilization, housing finance reform, affordability for renters and owners, and broader housing supply and demand concerns. Prior to joining Enterprise, he served as senior policy advisor to the assistant secretary for policy development and research at the U.S. Department of Housing and Urban Development, where he provided policy recommendations and analysis to the assistant secretary, secretary, and other senior staff both within HUD and across agencies. His primary focus was on housing finance reform, with a particular eye towards issues of access and affordability. In addition, he devoted attention to foreclosure prevention through improving opportunities for modifications and to mitigating foreclosure impacts on neighborhoods and communities. Prior to joining HUD, Mr. Jakabovics served as Associate Director for Housing and Economics at the Center for American Progress, where he authored some of the earliest policy responses to the foreclosure crisis, including proposals for mortgage restructuring, foreclosure mediation, and REO rental. Mr. Jakabovics has testified before Congress and has appeared frequently in the media, primarily for his research on the housing crisis and potential policy solutions.