Banco Popular de Puerto Rico

Karen A. Hamilton is an Executive Vice President of Suffolk Bancorp, and Executive Vice President and Chief Credit Officer of its banking subsidiary, The Suffolk County National Bank.Ms. Hamilton has more than thirty years’ experience in the banking industry, where she has worked in both the credit and lending venues. Before joining SCNB, she served as Senior Manager of Commercial Lending, Loan Workout and Portfolio Review at Astoria Federal Savings for a $3.5 billion portfolio of commercial loans. Before that, she was a regional credit administrator for J.P Morgan Chase (WAMU), managing a portfolio also in excess of $3 billion dollars. She worked on the lending side of the business for Banco Popular North America as a director of commercial lending, managing a staff of 40 officers, calling on large corporate, middle market and small business markets, and more than doubled that portfolio in the space of four years.

Steven Schwartz is regional vice president for employee benefits firm Corporate Synergies. As the leader of the New York region, he manages a large team of talented benefit consultants and support staff.

Jon has been in the real estate business for over 25 years. He started his career in Chicago as a real estate analyst and project manager for a local real estate developer, Fifield Development Corp. Jon worked on the development, construction, leaseup and sale of over 4 million square feet of office, industrial, retail, hotel and apartment development. When the real estate development business evaporated in 1990, Jon worked on asset management, tenant lease renegotiations, and loan workout on company assets in the brokerage andmanagement business which was sold to Frain Camins and Swartchild, which ultimately became part of CBRE. In 1993, Jon joined Morgan Stanley’s fixed income department which merged his real estate knowledge with bond financing technology. He spent 13 years at Morgan Stanley in sales, trading, capital markets and banking, and ultimately ran the CMBS trading desk during its heyday as the top ranked CMBS issuer and trading counterparty. In 2006, Jon left MS for a brief stint at UBS before joining JPMorgan Chase in 2007 as Head of Capital Markets for U.S. Commercial Mortgages. He is currently responsible for the securitization, distribution and financing of real estate loan risk in the Investment Bank. Jon graduated from Brown University. He is a member of the CREFC Board of Governors and is currently Chair of the Issuers Forum.

Richard Cordray was the first director of the Consumer Financial Protection Bureau and author of the book, Watchdog, about consumer finance and the CFPB.

Joe has over 25 years of experience serving banks, REMICs, REITs, and real estate and investment partnerships. He founded and co-leads Deloitte’s TARDI (Tax Analysis and Information Reporting for Distressed Debt Investments) service line serving clients and investors in distressed debt and debt securities. Joe was one of the lead specialists in the development of the tax structures and positions for the GNMA REMIC program and was one of the original strategists in the development of the Umbrella Partnership structure for Real Estate Investment Trusts. Joe has been published in a number of journals and is a contributing author to The Handbook of Commercial Mortgage-Backed Securities and has co-authored three editions of the Real Estate Investment Trusts Handbook. He is a member of the BNA Tax Management Real Estate Advisory Board and Deloitte’s Financial Instruments Tax Competency Group leadership team.Joe is a Certified Public Accountant in Georgia and New York. He is also a member of the American Institute of Certified Public Accountants and the New York State Society of Certified Public Accountants.Joe is a Magna Cum Laude graduate of the State University of New York at Binghamton with a major in Accounting.

Mr. Furlong oversees New York Life’s investments in CMBS and CRE CDOs, plus General Account investments in structured commercial real estate loans including a-notes, b-notes, mezzanine debt, asset-backed loans to trusts, ground lease investments and bridge loans. Brian sits on the committees at NYL that approve new mortgage loan quotes, mortgage loan commitments, and equity real estate acquisitions for the General Account. He helps coordinate NYL mortgage lending activities in Mexico, in conjunction with Seguros Monterrey New York Life. Mr. Furlong has 28 years of CRE experience including appraisal, consulting, corporate real estate advisory, brokerage for sales and leases, mortgage brokerage, CMBS rating analysis, CMBS underwriting, and lending.Brian has worked at Eurohypo, Moody’s, KPMG and Landauer Associates. He helped found and he is the past president of the CRE Finance Council (in its earlier form as the CSSA). He holds an M.S. from the real estate program of UW-Madison, a B.A. in economics from SUNY-Albany, and he studied international economics at McGill University.

Sanjeev Malaney is CEO of San Francisco-based document workflow provider Capsilon.

Andrew Glass is a partner resident in K&L Gates’ Boston office and member of the firm's Class Action Litigation Defense group. Mr. Glass has extensive experience in complex commercial litigation. His practice focuses on the defense of federal and state class action litigation brought against consumer financial services, mortgage lending, and consumer credit institutions. He also represents consumer financial services institutions in government enforcement proceedings and individual litigation matters.

Bob Broeksmit, Senior Director, is a senior finance executive and corporate officer with an extensive career in the mortgage sector. Bob has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management. He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion. In his 26 years in the mortgage industry, Bob has held senior leadership positions, including fourteen years with Chevy Chase Bank, where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. He integrated origination business platforms, developed multiple distribution channels, and regularly presented to ratings agencies, investment banks, and regulators. Bob also was a Vice President at Prudential Home Mortgage for seven years. Bob has been very active in financial services trade associations and has served as the Chairman of the Mortgage Bankers Association’s Residential Board of Governors and Chairman of the American Bankers Association’s Mortgage Markets Committee. He has garnered multiple awards for servicing operations excellence, including Freddie Mac’s Tier One and Hall of Fame designations. He is a Certified Mortgage Banker and a graduate of Yale University with a B.A. in History.

Ms. Lester is a Managing Director for Clayton Consulting Services, joining Clayton in November 2002 to provide independent and objective process and performance consulting to the residential mortgage servicing industry. Her current leadership duties include managing a team dedicated to identifying and documenting residential mortgage servicing industry best practices and trends; assessing adherence to governing agreements and settlements; developing servicer evaluation methodology and performing on-site assessments; and providing advisory services to a client base that consists of major mortgage companies, Wall Street firms, national banks, hedge funds, private equity groups, mortgage insurance companies, internal audit divisions, and government entities. The team has conducted over 100 residential mortgage servicer assessments over the past three years. Ms. Lester plays a significant role in project and customer relationship management, including scope, proposal, and contract development and negotiations; project set-up and planning; oversight; and quality control. Engagements have included residential mortgage servicer risk assessments on behalf of bank counsel and RMBS investors; special servicing protocol assessments; special servicer selection advisory services; and mortgage-company start-up and profitability advisory services. Ms. Lester also leads cross-functional teams dedicated to FDIC Surveillance, Oversight, and Compliance Monitoring for Single Family assets. Most recently, Ms. Lester has been actively involved in developing the consulting practice to assessing bank and servicer adherence to the residential mortgage servicing standards contained within the Consent Orders and National Mortgage Settlement agreements, including gap analyses, remediation plans, and development of internal audit/quality control programs. With more than 15 years of experience in the servicing and mortgage banking industry, Ms. Lester possesses an extensive background in pool certification guidelines, servicing transfers, default functions, assignment and release processes, and contract compliance. She is frequently called upon to participate in industry round-table discussions and to serve as a moderator and panelist at national conferences, including serving as a panelist for the Federal Reserve Bank of New York’s Office of Regional and Community Affairs 2007 Foreclosure Prevention Strategy meeting and moderating the Bank’s 2008 Process Enhancements to Loan Modification & Loss Mitigation forum. Prior to joining Clayton, Ms. Lester was the Vice President of Operations for American Document Services, Inc., a provider of nationwide release and assignment services, document retrieval, intervening assignment research and remediation, collateral file reconstruction, and GNMA pool certification services to the mortgage banking industry. Ms. Lester received a Bachelor of Science in Business Administration from the University of Kansas.