Banco Popular de Puerto Rico

Reeves Ambrecht is a Managing Director of the Loan Sale Advisory Group at The Debt Exchange, Inc. He is responsible for assisting Banks and real estate debt funds with loan sale execution. Specifically, Reeves advises clients on loan portfolio management by providing the valuation and likely clearing prices for single loans and portfolios of loans based on current market conditions and recent sales at DebtX. In this position, Reeves leverages 11 years of real estate, loan sales and trading experience. Prior to his involvement with DebtX, Reeves was employed by Cushman & Wakefield in Connecticut and Jones Lang LaSalle in New York City.

Mr. Blase is a partner in the Boston office of K&L Gates. Mr. Blase concentrates his practice in the area of commercial litigation, including class action defense and consumer finance litigation. Mr. Blase has experience representing mortgage lenders, banks and other financial institutions in suits under various federal and state consumer statutes.Mr. Blase regularly represents mortgage lenders, loan servicers and other financial institutions, nationwide, in consumer finance class action lawsuits, including claims under the federal Truth in Lending Act, Fair Debt Collection Practices Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, and various state unfair and deceptive trade practices acts. Mr. Blase�s recent experience and outcomes, in jury and non-jury civil litigation matters, include:Denial of class certification in a putative nationwide class action under the Fair Debt Collection Practices Act;Dismissal of putative nationwide class action against national bank alleging breach of contract and violations of Fair Debt Collection Practices Act arising out of allegedly improper lender-placed insurance;Defend loan servicer and others in a multidistrict litigation proceeding established to address claims related to the identification of Mortgage Electronic Registration Systems, Inc. on residential mortgages and deeds of trust in non-judicial foreclosure states; andPart of a team advising a national bank in cases alleging certain improprieties in connection with the execution and notarization of foreclosure-related documents.

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.

Vince Furey is the SVP of Lending Solutions at OpenClose, a pioneer of Software as a Service (SaaS) computing solutions for the financial industry since 1999.�OpenClose, built in modern (.NET) technology is supported by mature, service-over-sales approach delivery. It provides a variety of Web-based solutions for credit unions, banks, and mortgage lenders from loan origination software, loan pricing, website design, analytics reporting, imaging and social media marketing.�For more information about loan origination systems, visit OpenClose

Brian O�Reilly is President and Managing Director of The Collingwood Group LLC, which he co-founded in 2009.� Mr. O�Reilly was co-founder of the firm�s predecessor company, Capital Financial Solutions.� The Collingwood Group�s primary focus is in the financial services sector, and the firm offers advisory and consultative services combined with access to decision makers, financial sponsors, corporate boards, and senior industry executives.� The company also provides business development opportunities and initiatives through commercial and government contracts, utilizing minority- and women-owned businesses as well as capital investments in small businesses.�Mr. O�Reilly brings more than 23 years of financial services industry experience to The Collingwood Group.� Prior to co-founding Capital Financial Solutions, and subsequently The Collingwood Group, Mr. O�Reilly was Fannie Mae�s Director of Automated Underwriting and Risk Management Solutions, where he managed many of the company�s customer-facing technologies and was responsible for the development and launch of the company�s anti-fraud solution. Before joining Fannie Mae, Mr. O�Reilly served as Executive Vice President and General Counsel to Mortgage Capital Investors, and practiced law with several international law firms.� He has testified before the U.S. Congress and numerous other groups on the topic of mortgage fraud.�Through his experience at Fannie Mae, Brian O�Reilly brings an extensive business background to the table in mortgage operations and technology. Hedirectedfull lifecycle�management�of�business and technology solutions targeting large lender customers and service providers (including Mortgage Insurance Companies) that required customized�business and technology solutions - including real estate collateral, borrower credit risk and decision management, and data quality assurance solutions.�� O�Reilly managed design, development, implementation and on-going operations of the following solutions and associated projects:Mortgage Fraud � Developed the business strategy and plan, built and managed the team, and successfully executed in support of a key 2004 Fannie Mae corporate initiative that included, among other things, a goal to deliver to the marketplace an anti-fraud service for use by Fannie Mae�s customers. O�Reilly also managed the project team responsible for technical architecture, design and production implementation of the anti-fraud service.Collateral � Managed Fannie Mae�s automated property valuation technology, Automated Property Service, and collateral inspection waiver business solution, Property Inspection Waiver (PIW.)Credit � Managed Fannie Mae�s automated credit services and oversaw numerous projects aimed at enhancing the functionality of the service that supported in excess of 20 million transactions annually.Electronic Fulfillment Services � Supervised development, enhancements and ongoing operations of Fannie Mae�s Electronic Partner Network (EPN), DU Connections�, which included, among other things, Fannie Mae�s mortgage insurance services, credit, and anti-fraud initiatives. Under O�Reilly�s direction, EPN transaction volume and credit service transaction volume increased nearly 20% and revenue increased by approximately 32% while industry-leading transaction response times and service availability levels were maintained consistently.Customized Underwriting Decisioning� � Led the team responsible for design, development and ongoing operations of Fannie Mae�s custom decision underwriting engine, Custom DU�. Under O�Reilly�s leadership, Fannie Mae delivered the first Spanish language version of underwriting findings through a pilot with key Puerto Rico lenders.�