Banco Popular de Puerto Rico

Ms. Cohen is General Counsel at LCS Receivables Management, LLC and its affiliated companies with business relating to secured and unsecured collections, servicing and default management, collection litigation, and debt acquisitionand sales. As General Counsel for the LCS Receivables Management companies, Ms. Cohen manages all regulatory and compliance affairs including monitoring and advising on the Fair Debt Collection Practices Act, Telephone ConsumerProtection Act of 1991, Fair Credit Reporting Act, and the Dodd-Frank Act. In addition, Ms. Cohen is responsible for managing all corporate legal matters as they relate to regulatory compliance including debt collection, servicingand origination licensure, contract compliance, intellectual property, litigation and corporate governance.Ms. Cohen brings with her more than eight years of experience and an impressive educational background. Prior to joining LCS Receivables Management, Ms. Cohen worked in private practice at an international law firm where she served as an attorney specializing in mergers and acquisitions, corporate law and real estate. She also served as Vice President and General Counsel for an international franchise chain, and as a litigator with an emphasis on employment law. Ms. Cohen received her J.D. from the University of Colorado with Dean’s List Honors, and her B.A. from the University of Arizona, cum laude.Ms. Cohen is involved in various financial services organizations and committees and is a lecturer on collection regulation and compliance.

Christopher J. Willis devotes his practice to assisting financial services institutions facing government investigations and examinations, counseling them on fair lending risk and compliance assessments, and defending them in individual and class action lawsuits brought by consumers and enforcement actions brought by government agencies.Mr. Willis also chairs the firm's Collection Documentation Task Force and the Fair Lending Task Force. His clients span the financial services industry and include banks and non-banks, mortgage banking lenders and servicers, debt collectors and buyers, third-party service providers, and auto lenders.Mr. Willis speaks nationally on the subject of consumer financial services law and has been featured in numerous articles in publications such as�American Banker,�National Law Journal,�BNA Bloomberg, andBank Safety and Soundness Advisor.

Mike Dougherty is the Managing Partner of the Philadelphia office practicing in Consumer Collections, with a focus on the Consumer Collections (General), Corporate & Financial Services, Credit Union, Healthcare, Collateral Recovery/Replevin, Student Loan, Subrogation, Litigation & Defense, Consumer Finance Litigation, Real Estate Default and Federal Court Litigation Groups.Mike earned his B.S. cum laude in Political Science and History from Blackburn College in 1990 and his J.D. from the Widener University School of Law in 1995. A member of the Pennsylvania Bar Association, Mike is licensed in the State Courts of Pennsylvania and admitted to practice before the U.S. District Court (Eastern District of Pennsylvania) and the U.S. Court of Appeals (Third Circuit).In addition, he has been admitted to practice in the states of New Jersey, Texas, Missouri, Illinois, South Carolina and New York. He is also a member of the Delaware County Chamber of Commerce and the National Association of Subrogation Professionals. During the course of his career, Mike has litigated for his clients cases ranging from commercial disputes, catastrophic motor vehicle defense matters, employment discrimination, fraud, workers’ compensation, unemployment compensation, social security, unfair trade practices, products liability, premises liability, liquor liability and medical malpractice actions. In addition, he has written for numerous trade publications including the NASP Subrogator and National Law List. Recently, Mike has spent a considerable amount of his time presenting to and consulting with various national banks, credit unions and trade associations on compliance issues related to the Consumer Financial Protection Bureau. In addition to meeting with these banks and trade organizations, he has written numerous articles about how to manage third party vendor relationships and maintain compliance with the regulatory requirements of the Bureau.

Stacey J. Schacter as President and Chief Legal Officer of VION Receivable Investments manages the acquisition and collection of consumer and commercial debt. Stacey has over seventeen years prior experience in the debt buying, collection and financial services industry serving as President and Chief Executive Officer of Briannaco Investments, President of OSI Portfolio Services and President, Chief Executive Officer and Chief Legal Officer of EMCC, Inc. and before that as an attorney and advisor to several debt purchasing firms. Mr. Schacter was a practicing attorney from 1988 to 1999 concentrating in Corporate, Securities, Securities Litigation, Mergers and Acquisitions, Specialized Asset Acquisition, International Business Transactions, Technology, Real Estate, Business Reorganization, Workouts, Bankruptcy (Chapter 11), Commercial, Banking and Restructuring. Mr. Schacter is a member of the Ohio and Massachusetts Bar; is authorized to practice before the U.S. Supreme Court; and has passed the CPA Exam.Mr. Schacter has had several Publications and Speaking Engagements on Collection Practices and Bankruptcy. He is currently a member of the Debt Buyer's Association Board of Directors and the American Bar Association Business and Securities Committee. Stacey was a former President and Programs Chairman for the Strategic Leadership Forum, former President of the Joint Committee of Attorney and CPAs (Cincinnati Bar Association), former member of the Corporate and Securities Law CLE Committee (Cincinnati Bar Association) and a former member of the International Law Committee.