Banco Popular de Puerto Rico

Andrea Barach is a shareholder in the Nashville office of Baker Donelson. She has represented clients in a wide variety of business transactions including acquisitions, dispositions and financings in a variety of industries including health care, long term care, real estate development and finance.

Haydn J. Richards, Jr. is the Director of the Firm's Financial Industry�Group and the Leader of its Financial Services Regulatory and Compliance�practice. Mr. Richards advises members of the financial services industry�on state and federal regulatory matters. The focus of his client service�efforts include state compliance and licensing matters pertaining to�mortgage lenders, brokers, servicers and their employees, as well as�compliance and licensing matters pertaining to financial services and realestate settlement service providers. He also counsels various types of�financial service companies regarding CFPB preparedness and�implementation strategies for the CFPB's new regulations.�Mr.Richards is experienced with preparing multistate regulatory surveys�regarding all aspects of regulatory compliance for mortgage companies�and other settlement service providers. He regularly assists clients with�internal and external compliance surveys, facilitates interaction with regulatory agencies and assists with all aspects of state and federal�audits, examinations and enforcement actions.�Mr. Richards has extensive experience with the S.A.F.E. Act, both for�mortgage lenders, brokers and servicers, including third party loan�fulfillment companies, employment agencies and other mortgage industry�participants. He has been deeply involved with the development and�testing of the NMLS and spoke on legal issues pertaining to the system at�a number of the annual NMLS User Conferences. He is a member of the�NMLS Industry Development Working Group (IDWG), a panel of industrymembers that directly advises upon the development and continued�implementation of the NMLS, and the American Association of Residential�Mortgage Regulators (AARMR) Industry Advisory Council.Mr. Richards is a prolific speaker and author on Financial Services topics. His works provide practical insight to lawyers and non-lawyers. Among others, Mr. Richards is the author of the �State and Federal Licensing and the Nationwide Mortgage Licensing System & Registry� chapter and coauthor of the �Fair Credit Reporting Act� chapter of the Consumer Financial Services Answer Book 2012-2013 (Practising Law Institute). He also authored the �Fair Credit Reporting Act� chapter of the Mortgage Finance Regulation Answer Book 2011-2012 (Practising Law Institute).Prior to private practice, Mr. Richards clerked for the Hon. Diane Gilbert Sypolt of the U.S. Court of Federal Claims. Mr. Richards also served as Executive Managing Editor of the American Intellectual Property Law Association Quarterly Journal, from 2001 to 2002.

Jason Madiedo is CEO of Venta Financial and 2014 president of the National Association of Hispanic Real Estate Professionals.

Stanley Street manages the strategic vision of Street Resource Group Inc., a provider of information systems and business process consulting to the financial services industry.

Christopher M. Tiso is an experienced executive who has founded and served as Chief Executive of several companies, including those in the environmental and internet fields. Mr. Tiso has expertise in a broad range of areas, including regulatory affairs, the development of internet technologies, finance, and risk management.Mr. Tiso's first business in the area of environmental compliance began as a start-up in 1995 and quickly grew to employ over 70 people. Mr. Tiso identified a niche opportunity to conduct high-tech environmental inspections. He then implemented several processes and developed novel technologies that enabled the business to grow at scale. The business is now run by a team put in place by Mr. Tiso and continues to prosper in this highly regulated field.In all of Mr. Tiso's business endeavors, he maintains a process-oriented focus directed at simplifying complex tasks and making sure that the final product or service is user friendly. At his first company, he led the development of a proprietary computerized testing technology, which produced test results and related reports within one hour. This simplified approach enabled rapid growth, allowing the business to quickly expand into the commercial and industrial markets. In the digital media space, Mr. Tiso developed tools that simplified online marketing for the luxury brands he served - that business, BrandwireNYC, was sold to a leading NYC agency in July 2014.At Litigation Guard, Mr. Tiso is responsible for overseeing the daily operations of the business, managing the internal team as well as cultivating relationships with external partners. Mr. Tiso is also responsible for growing and scaling the business. As in his previous companies, Mr. Tiso employs a "people-first" approach, focusing on anticipating and meeting client needs by implementing effective processes and cutting edge technologies, including technologies that provide clients with powerful data and analytic tools.Mr.�Tiso�lives in Manhattan with his wife and two children. �In his spare time he enjoys supporting the Mets, skiing, and traveling with his family.

Kenneth A. VanNorwick joined Potestivo & Associates in April of 2010. Ken is based in the firm’s Rochester Hills office and serves as Supervising Attorney in the Bankruptcy department. Prior to joining the firm, Ken worked in several law firms furthering his knowledge in Creditor Rights Law, with a concentration on Bankruptcy. Ken earned his Bachelor of Arts from the University of Michigan, where he majored in Political Science and minored in History. Ken then went on to earn his J.D. from DePaul University, College of Law. He is a member of the Michigan State Bar Association, American Bankruptcy Institute, and Consumer Bankruptcy Association.

Dennis Ashcroft is senior vice president for Appraisal Logistics, a nationwide appraisal management company.