Banco Popular de Puerto Rico

Sam Bready has 24 years of experience in mortgage asset management and default servicing on both large-scale and niche specialty servicing platforms. Prior to joining Home Servicing in 2010, Sam was Senior Director of mortgage default servicing for Capital One, where he managed a recently acquired service center, while integrating those resources into a replacement center that was built from the ground up. From 2005 to 2008, Sam was responsible for loan portfolio performance at Avelo Mortgage, a de novo servicer formed to support Goldman Sachs’ investments in performing and non-performing residential loans. From 2000 to 2005, Sam was a Vice-President at CitiFinancial Mortgage, where he was responsible for various default management functions, including loss mitigation, charge-off servicing, liquidations, bankruptcy administration, junior lien servicing, and non-performing mortgage trades. Prior to CitiFinancial, Sam was responsible for various default and customer facing functions for ContiMortgage (1997 to 2000), Trans Financial Mortgage (1994 to 1997), Atlantic Mortgage & Investment (1991 to 1994), and Barnett Mortgage (1987 to 1991). Sam holds a degree in Economics from James Madison University in Harrisonburg, Virginia (1984).

Brian Norton is one of the founding partners of Arch Bay Capital, LLC and currently manages the firm’s portfolio of residential mortgages and real estate. Arch Bay is one of the nation’s fastest-growing and most innovative mortgage hedge fund enterprises. Arch Bay has managed in excess of $3.5 billion of loans and real estate, and employs nearly 100 professionals.At Arch Bay, Mr. Norton has been actively involved in the firm’s development and growth. In addition to his work in asset management, he has led the sales and trading desk as well as the firm’s mortgage origination business. Prior to Arch Bay, Mr. Norton was VP of Business Development at 3 Arch Financial Services, a leading mortgage servicing business. He also has experience in technology development and in student lending.Mr. Norton holds an A.B. in History from Harvard University where he graduated cum laude.

Matthew Anderson is Managing Director of Trepp, LLC, the leading provider of CMBS and commercial mortgage information, analytics and technology to the global securities and investment management industries. Mr. Anderson is co-founder of Foresight Analytics, a real estate and bank research firm that was acquired by Trepp in February 2010. With a consulting career spanning more than 20 years, Mr. Anderson has consulted for major commercial banks, global investors, insurance companies, investment banks and hedge funds. His most recent work has centered around distress in real estate markets and risk analysis in the financial sector. Mr. Anderson earned an MBA from the Haas School of Business at the University of California, Berkeley and a BA from the University of California, Santa Cruz. He has been quoted in major media, including the Wall Street Journal, New York Times, Chicago Tribune, and American Banker, and has appeared on TV and radio.

Markus K. Veith is a Partner and leader of the Financial Institutions Practice in McGladrey & Pullen’s New York office. He has over 20 years of experience in banking and public accounting. Since joining McGladrey, Markus has worked with banks, securities broker/dealers, REITs, and finance and investment companies. His experience includes working on SEC engagements as well as IFRS audits, reviews and conversions. His clients include public and private companies with multistate and multinational operations. Markus worked from 1997 to 2005 in the banking and securities practice of Deloitte & Touche LLP in New York. As a Senior Manager for accounting and advisory services, Markus led audit engagements of banks, broker/dealers and investment companies ranging from large multinational institutions to local FDIC-insured banks and federal credit unions. He also led consulting projects on loan reviews, operational process reviews, post-merger integration, due diligence and asset securitization.He began his career in Europe with a regional mutual savings bank affiliated with DZ BANK AG – one of Europe’s leading financial organizations. Markus was a credit and lending officer for the corporate, consumer and mortgage lending operations of the bank. These eight years of experience within the banking sector gave Markus a hands-on perspective on the challenges facing financial institutions.Markus has served clients such as Royal Bank of Canada, Credit Lyonnais, Morgan Stanley, Natexis Banques Populaires, Capital Lease, Inc., Caixa Geral de Depósitos, DZ BANK, Safra National Bank of New York and United Nations Federal Credit Union, among others. Markus plays an active role in firm strategic initiatives. In addition to his tenure on the firm’s National Financial Institutions Steering Committee, Markus participated in the firm’s national task force assessing opportunities to serve the federal government. He speaks frequently to industry groups and at internal training courses, and recently discussed IFRS matters at a meeting of European bankers. He also regularly speaks to trade groups and the business press. Markus was quoted extensively on the Financial Reform Act in a July 2, 2010 article titled “The Shape of Things to Come,” in The Deal. One of his articles on the Financial Reform Act was also published in the July 2010 edition of the firm’s Bank Notes newsletter.

Samantha Manfer is Director of Business Development at Prospect Mortgage. Prospect Mortgage is one of the nation’s largest independent lenders participating in purchase transactions, traditional refinance and portfolio refinance. Recently, her focus has been on winning strategies in mortgage originations. She has been instrumental helping portfolio owners move qualified borrowers out of over-leveraged, ARM, negatively amortizing or higher than market rate loans. Prospect offers both traditional and a HUD sponsored lending products such as Short Refinance 1023 Program and Hope for Homeowners. Educated at UCLA, Samantha has worked in the financial services industry for several years. In addition to her current work at Prospect Mortgage, her background includes Warehouse Financing, Correspondent Lending, REO/Short Auction experience. This broad and unique background has enabled Samantha to develop unique insights into the today’s current challenges.

Mr. Nicoletti is a Managing Director in Jones Lang LaSalle’s Capital Markets Group with over 20 years of real estate sales and investment banking experience.  Mr. Nicoletti leads Jones Lang LaSalle’s Special Asset Services unit, which has completed over $11 billion of advisory and transaction engagements for financial institutions related to restructurings and workouts, non-performing individual and portfolio loan sales and the sales of assets and notes through an online auction platform.  Mr. Nicoletti is responsible for driving and coordinating the client relationship management and business development efforts directed at banks and special servicers for distressed loan and REO assets and coordinating the delivery and execution of Jones Lang LaSalle’s platform services in assisting financial institutions, banks and special servicers with their distressed real estate assets.  Mr. Nicoletti has been involved in real estate asset sale transactions for major institutional, private and corporate owners totaling over $5 billion.  Prior to joining the firm in 2007, Mr. Nicoletti headed the NY Metro Capital Markets Group at HFF, a real estate investment banking firm specializing in investment sales, debt and equity and structured finance where his responsibilities included overseeing and directing all investment sale and capital market assignments.  Mr. Nicoletti was also a Managing Director and Head of Capital Markets for The Garibaldi Group, a Senior Vice President at Rockwood Realty Associates and an Investment Manager at MetLife Real Estate Investments. Mr. Nicoletti has a BS in Economics from Fairleigh Dickinson University. Mr. Nicoletti is affiliated with the Urban Land Institute, the National Multi Housing Council, the International Council of Shopping Centers and the National Association of Office & Industrial Properties.

Robert Klein is the founder and chairman of the board for Safeguard Properties. Under Robert's leadership as CEO, Safeguard grew from a handful of employees in 1990 to over 900 today, with an extensive network of contractors throughout the United States, Puerto Rico, and the Virgin Islands. Robert developed Safeguard around the motto "Customer Service = Resolution" with the mission of creating a company focused on client satisfaction and strong business relationships. Robert assumed the role of chairman in May of 2010. Since Safeguard's inception, Robert has developed and maintained a reputation as an innovator and is recognized as a leader and an advocate for the industry. Robert continually focuses his attention on initiatives affecting our clients, providing current and relevant industry information and offering creative solutions to meet their needs. Robert serves as chair of the National Vacant Properties Registration Committee of the Mortgage Bankers Association (MBA). He also represents not only Safeguard, but the industry as a whole, in national associations including MBA, USFN, CMBA and REOMAC. He has been a session leader and panelist at their yearly conferences, in addition to being the primary sponsor of the annual National Property Preservation Conference, which began in 2004.In 2009, Robert received the prestigious Ernst & Young Entrepreneur Of The Year® Award. He won both in the northeast Ohio region in the category of professional services and asset management firms, and nationally in the servicing category.

With over 25 years of financial expertise, Mr. Wallace is the former EVP of Capital Markets for WMC Mortgage, a position he held from 1997 through 2007 where he was responsible for the sale and securitization of approximately $100 billion of production. Prior to joining WMC, he was the CFO of Spring Mountain Group and Pioneer Savings and Loan from 1994 until 1997. Prior to that, Mr. Wallace was employed by Security Pacific Bank/Bank of America for eleven years in a variety of financial positions, financial planning and analysis, two years in the Interest Rate and Currency Risk Management Group and nine years for the Residential Real Estate Lending Group. He is graduate of the University of Southern California with a degree in Business Administration and earned his Master's Degree in Business Administration from UCLA.

Will Doby joined the MetLife Legal Department in January 2011 and supports all aspects of MetLife Home Loans' mortgage servicing operation. He has more than seven years experience as in-house counsel supporting mortgage servicers. Prior to going in-house, Mr. Doby was an associate in the Creditor's Rights Section of Locke Liddell and Sapp LLP. Mr. Doby holds a BA from Southern Methodist University and a JD from the University of Houston Law Center.