Banco Popular de Puerto Rico

Armand Massie is Executive Vice President for the mortgage banking practice of Financial Consulting Corporation. For over 26 years, FCC specializes in providing marketing research, subject matter expertise, operational support and introductions to top leaders of Fortune 500 companies, primarily in the mortgage banking and telecommunications industries. Armand has over thirty years experience in senior leadership roles managing Originations, Processing, Underwriting (Prime, Sub-prime, and Government Mortgages), Audit, and Loan Servicing for Citigroup, Aegis Mortgage and Bank of America. As a result, he understands the cause and effect internal controls, standardized processes, underwriting standards, corporate audit functions, reporting and investor relations have on the business. Like many in the industry, Massie's current focus has been assisting clients in the areas of default management, short sales, deed in lieu and other foreclosure prevention strategies. Massie studied at both Rider University (New Jersey) and the University of North Carolina.

Jeffrey McKay is Executive Vice President and Manager of BB&T’s Note Sales Group.A 25-year BB&T veteran and graduate of BB&T’s leadership development program, Jeff has served in various commercial lending, loan administration and management capacities. Prior to forming the Note Sale Group in September 2010, he founded BB&T’s Commercial Real Estate Owned (CREO) division in January, 2009. The Note Sales and CREO teams provide strategic management, servicing and disposition for both commercial loans classified as “Held for Sale” and for large, complex foreclosed real estate projects. Prior to formation of the Note Sale and CREO groups Jeff served as Subsidiary Manager for five of BB&T’s “Specialized Lending” companies. In this capacity Jeff was a board member and responsible for BB&T’s investment and strategic direction in: Lenmark a 110 branch consumer finance companyAFCO/CAFO, respectively the 2nd and 1st largest provider of insurance premium finance in the US and CanadaBB&T Equipment Finance, a middle to large ticket commercial leasing companyBB&T Governmental Finance, a direct municipal finance/leaderBB&T Small Business Partners, a SBA preferred lenderJeff is a graduate of Campbell University's Lundy-Fetterman School of Business and the Stonier Graduate School of Banking. An avid outdoorsman, Jeff is also a board member and past president of the Lumber River Conservancy, a Non-Profit Land Trust serving southeastern NC.

Steven M. Schultz is CEO of Helios Capital, an affiliate of The Schultz Organization a full service real estate platform. Over the past two decades, Steven has negotiated and developed deals totaling more than eight million-square-feet and has cultivated strong relationships with a diverse range of clients, strengthening his reputation as being one of the most active and accomplished real estate professionals operating in the New York, New Jersey, Pennsylvania, and Connecticut markets. His unique style and leadership allows him to attract and secure notable clients across all asset classes who continue to work with him on their endeavors as they move forward to grow their businesses. Steven’s vast knowledge and expertise in the markets in which Helios Capital remains most active – New York, New Jersey, Pennsylvania and Connecticut – make him a trusted advisor to his clients, and help guide the continued growth and expansion of Helios Capital in the small balance, non-performing loan space as well as REO and investment sales. Prior to forming Helios Capital, Steven was a Co-Founder, of The Schultz Organization, LLC, founded in 1990. He additionally helped form and cultivate the rapid success of two other companies – Pyramid Property Partners, a development company and Onyx Equities, LLC, a private equity fund. Steven feels strongly about giving back to his community through fundraising and volunteering efforts, and is very active with several charities and organizations including the National MS Society, Move for Hunger and American Cancer Society. Steven currently sits on the board of directors for The Count Basie Theater located in Red Bank, New Jersey, and most recently served as chair of its Restoration and Renovation Committee for the duration of a three year, $10,000,000 renovation and restoration project to return the theater to its former grandeur.

Rick is the Chicago-based managing director of the Advisory Services Group at Corvus where he directs the teams which provide consulting, planning, review and oversight services for clients nationwide. Rick's extensive and diverse private and public sector professional experience includes commercial real estate mortgage lending, underwriting, acquisition consulting, portfolio review and due diligence. Prior to joining Corvus, he served in senior underwriting positions for several mortgage origination firms in Illinois and California, was the senior manager of the Capital Markets Support Group of American Express TBS/Altschuler, Melvoin & Glasser, and managed multiple government contracts for the Federal Deposit Insurance Corporation, Resolution Trust Corporation, Federal Home Loan Bank and U.S. Department of Housing and Urban Development. Rick received a bachelor’s degree in accountancy with high honors from the University of Illinois at Champaign-Urbana.

Lisa Zakrajsek leads marketing, marketing research, cross-sell, customer retention, creative services, eBusiness and customer insights & analytics for Wells Fargo Home Mortgage. The nation’s top home mortgage lender, Wells Fargo Home Mortgage provides home loans to one of every four households in America and services mortgages for one in every six. Prior to her current role, Lisa served as senior vice president of Marketing and Product Development for Wells Fargo Home Mortgage. She joined the company in January 2001 after 18 years in the packaged goods industry. Lisa spent three years at The Campbell Soup Company as Vice President and General Business Manager for the U.S. Soup Division and, prior to that, 15 years at The Pillsbury Company running numerous consumer product business lines. Lisa has a bachelor’s degree in music from Northern Illinois University and an MBA from the University of Minnesota Carlson School of Management.

Sabeth Siddique is a director at Deloitte & Touche LLP, where he leads the firm’s banking-related credit risk services within its Governance, Regulatory and Risk Strategies practice. Prior to joining Deloitte, he was assistant director of banking supervision and regulation at the Federal Reserve Board (“the Fed”), where he was head of the credit risk department. Sabeth was a key member of the senior Federal Reserve Board team that led the “stress test” during the financial crisis. During his nine-year tenure, he represented the Fed on numerous interagency supervisory programs and policy initiatives. Prior to joining the Fed, Sabeth had more than 10 years of experience in investment banking and corporate finance with leading global financial institutions. Sabeth has an M.B.A. from Carnegie Mellon and bachelors of science degree in chemical engineering from Rutgers University.

Bob joined Arch Bay Capital in September 2008 and is the Vice President of the Capital Markets Group. He is responsible for the overall execution of the residential whole loan investments. 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. Before joining the hedge fund community at Arch Bay, he spent 9 years on Wall Street where he traded Subprime Whole Loans, most recently at Barclays and Citi. Prior to that , he was the Co-Head of the Secondary Marketing Desk on Alt A/Subprime originations at Credit Suisse. Bob received a B.S. in Quantitative Finance from James Madison University, with Minors in Mathematics and Economics.

Gagan Sharma is the President and CEO of specialty servicer BSI Financial Services, and a member of Mortgage Technology magazine's advisory board.Prior to BSI, Gagan was VP of Sales and CEO of an offshore business process outsourcing company focused on call center outsourcing services with operations in India. Gagan assembled the management team, raised over $8.5 million in financing and grew the company to 1200 people serving clients like Citigroup, Merrill Lynch and Sovereign Bank.Prior to that, Gagan was a consultant in Deloitte Consulting’s hi-tech and telecom practice advising clients on matters of strategy, operations and technology implementation.Gagan holds an MBA from The Wharton School at the University of Pennsylvania and a B. Tech. from the Indian Institute of Technology, Delhi.

Stephen Burr focuses his practice on complex corporate, energy and real estate transactions and capital structures on all types of real estate, including office buildings, multifamily residential (condominium, apartments and senior living), industrial/warehouse, retail and convention centers and sports arenas. He has led development projects, financings, equity and debt offerings, restructurings, sale-leasebacks and traditional leasing transactions on a national basis in each of these industries.Stephen also has over 20 years of experience in the restructuring or disposition of distressed U.S. commercial real estate assets for foreign and domestic investors, lenders and owners. He has detailed knowledge and experience in restructuring troubled senior debt sold into commercial mortgage backed securities pools, and in representing issuers and investors in troubled syndicated real estate privateplacements, including several recent nationally prominent transactions.Stephen has extensive experience and is known throughout the nation for his work in the acquisition or disposition of real estate and oil and gas royalty interests through highly structured, tax sensitive private placements and regularly represents sponsor/issuers and broker dealers in that industry. His experience also includes performing third-party due diligence in real estate and oil and gas offerings. Stephen served in the United States Air Force as a special agent in the Air Force Office of Special Investigations (OSI) from 1969 – 1973, receiving an honorable discharge with the rank of Captain.