Featured Speakers

Gerald B. Alt

President & CEO

HEART Financial Services

Gerald Alt is the founder, president and chief executive officer of HEART Financial Services, the nation’s largest specialty business focusing on home retention for borrowers and loss mitigation for lenders. In the past year, HEART Financial Services has handled over 350,000 loans with a successful modification rate in excess of 40 percent — significantly higher than the industry average for foreclosure prevention.

Tiffany Davis-Fletchers

Troy Austin


Unity Financial Services, LLC

Unity Financial Services (UFS) is a mortgage service provider joint venture between Canvas Realty Partners. LLC and Unity National Bank, NA. UFS was established to facilitate mortgage service contracts for Unity National Bank, one of only three nationally chartered African American banks in the country. UFS specializes is strategically aligned with the nations’ largest mortgage service providers. UFS currently offers the following services: Recovery, Loss Mitigation, Foreclosure Title Review, Mortgage Document Preparation, REO closings, and REO asset management.


Ingrid Beckles

Senior Vice President of Default Asset Management

Freddie Mac

Ingrid Beckles is the senior vice president of Default Asset Management for Freddie Mac. She leads an area responsible for developing and implementing loss mitigation and foreclosure strategies, policies, procedures and technologies that enable Freddie Mac to mitigate and manage credit losses. Ingrid has oversight of, and leadership responsibilities for, the following departments: Non-Performing Loan Servicing, REO/Property Disposition, Default, Fees and Claims, plus Collateral Assessment Operations.


David M. Bizar


McCarter & English

David M. Bizar is a partner in the Boston office of McCarter & English, LLP and practices consumer financial services and commercial litigation. He frequently represents finance companies and other business clients in their highest stakes disputes in the civil courts and before government authorities challenging their products and services, corporate practices and regulatory adherence. Mr. Bizar has defended many of the nation's premier institutions in more than 20 consumer and product-related class actions. He also prosecutes and defends creditor and debtor's rights suits in and outside of bankruptcy.

Suzanne Boas


Consumer Credit Counseling Service (CCCS)

Suzanne Boas is president of Consumer Credit Counseling Service (CCCS) of Greater Atlanta. As president, Boas leads a national nonprofit community-service agency that provides confidential budget counseling, money management education, debt management programs, bankruptcy counseling and education, and comprehensive housing counseling.

Amy Brandt

Chief Executive Officer

Acqura Loan Services

Amy Brandt is the CEO of Vantium Capital, Inc., parent company of ACQURA Loan Services, and Strategic Recovery Group (SRG), both based in Dallas, TX. ACQURA is a specialty servicer focused primarily on sub- and non-performing mortgage assets and its sister company, SRG, is a leading third party asset recovery company. Ms. Brandt formed Vantium Capital Inc. together with Apollo L.P., a leading private equity firm in 2007.

Marie Chung

California REO Broker

REO Modern Realty Corp.

Marie M. Chung, REO Director of REO Modern Realty Corp., is a pioneer in the ever-modernizing Real Estate Industry. She is a licensed real estate broker with extensive knowledge in foreclosures, REO dispositions and short sale negotiations. Since joining the Modern Realty team, Marie has been instrumental in expanding the company and establishing its reputation as one of the top Bank-Owned Foreclosure Brokerages in the country.

Jay Brinkmann

Chief Economist and Senior Vice President, Research and Economics

Mortgage Bankers Association

Jay Brinkmann is Chief Economist and Senior Vice President of Research and Economics for theMortgage Bankers Association (MBA), where his responsibilities include economic forecasting,mortgage industry analysis, benchmarking of industry profitability, and providing supportfor legislative and regulatory initiatives.

Tiffany Davis-Fletchers

Director, REO Sales

Fannie Mae

Tiffany Davis-Fletcher is a Director for Fannie Mae's National Property Disposition Center (NPDC) Real-Estate-Owned Sales where she is responsible for managing credit losses, developing geographically specific strategies to sell corporate assets located nationwide; and providing direction and vision to professional level management and staff . Previously, she served as sales manager for the NPDC and held management positions in the National Underwriting Center.

Joseph Dahleen


The Mortgage Workout Center

Joe is a visionary executive with over 17 years of professional experience as a mortgage banker and as a technology solutions leader. During the last 13 years, he has been primarily engaged in the application of technology in the mortgage industry while holding positions of Co Founder and Senior Vice President. His experience includes software and project management, business process analysis, system design, and system implementation. Most Recently Joe helped launch and build 2 companies called GO Financial Solutions and Acqura Loan Servicing.

Tom Deutsch

Deputy Executive Director

American Securitization Forum

Tom Deutsch is the Deputy Executive Director of the American Securitization Forum (ASF). Mr. Deutsch works with ASF's broad membership to develop consensus and implement advocacy initiatives on legal, regulatory, accounting and legislative matters, such as industry-wide mortgage servicing standards, securities regulation implementation efforts, amicus briefs, and comment letters. He also develops and implements various aspects of member education initiatives, such as the annual ASF industry conference, ASF Weekly Reports, Sunset Seminars, Securitization Institute, and the American Securitization journal. He was named by Institutional Investor Magazine as a Rising Star of both Fixed Income and Securitization in 2008.

David Fleck

Deputy District Attorney, Major Fraud Division, Real Estate Fraud Section

Los Angeles District Attorney's Office

David Fleck is a deputy district attorney in Los Angeles County, where he has specialized in white collar crime, focusing primarily on real estate-related frauds. He has filed dozens of cases involving mortgage fraud, equity stripping, foreclosure fraud, identity theft, rent skimming, notary fraud, diversion of escrow funds and other crimes. In 2006, Mr. Fleck teamed up with Detective Chris Christopher to draft legislation that overhauled the laws applying to California notaries. The sweeping changes they proposed became law last year.

David Friedman

President & Chief Executive Officer

American Home Mortgage Servicing Inc.

David Friedman is responsible for daily operations as well as strategic vision for the Company. Prior to joining American Home Mortgage in August, 2004, Mr. Friedman worked for over 24 years in the Sub Prime Financial Services industry in a number of Senior level servicing positions, most recently as President of PCFS, Mortgage Servicing in Cincinnati, Ohio. In addition Mr. Friedman founded Calmco/Olympus Loan Servicing in Austin, Texas. Mr. Friedman also held Senior servicing level positions with Advanta/Chase Mortgage and Nations Credit/Bank of America.

Harry Gardner

Consultant, Mortgage Technology


Harry Gardner is a consultant on mortgage technology development and implementation, and a frequent speaker and writer on eMortgages, industry standards and enterprise data management issues.

Mr. Gardner was previously the Vice President of Industry Technology for the Mortgage Bankers Association, and was the President of MISMO, Inc. (www.mismo.org).


Rick Glass

Managing Director

R.T. Glass & Associates

R.T. Glass & Associates is the distressed asset, specialty mortgage sector industry leader in executive search today. The firm is led by Rick Glass who has developed a disciplined practice focused specifically in nonprime, specialty mortgage banking and distressed asset search and selection since 1993.

Michael B. Goldberg

Vice President & Assistant General Counsel

Wachovia Legal Division

As Vice President and Assistant General Counsel at Wachovia Corporation, Mr. Goldberg has direct responsibility for a national litigation docket at the fourth largest financial institution in the United States with over $700 billion in assets and national and international lending/retail banking operations. Responsible for spearheading defense of litigation and overseeing budgets for legal process and disposition costs for several of Wachovia’s General Banking Group business units (including the World Savings Bank mortgage banking businesses and other specialty finance units like the former AmNet Mortgage Network; Westcorp; WFS Financial and Wachovia Mortgage Corp.).

Steven Horne

Founder and President

Wingspan Portfolio Advisors, LLC

Steven Horne is in charge of all the day to day operations of Wingspan Portfolio Advisors, LLC, based in Carrollton, Texas, in suburban Dallas. He is a career-long expert in creating and executing strategies to mitigate losses in real estate portfolios of all types, with a specialized concentration in servicing's most difficult area, defaulted and seriously delinquent loans.

Paul Koches

Paul Koches

SVP & General Counsel

Ocwen Financial Corporation

Mr. Koches has served as General Counsel of Ocwen since August 2002. Prior to joining Ocwen, Mr. Koches was a Partner with Arent Fox, LLP in Washington, D.C. Mr. Koches holds a Bachelor of Arts from the University of Connecticut and a Juris Doctorate from the University of Miami Law School.

Jeffrey M. Levine

Principal and Managing Director

Milestone Advisors, LLC

Jeffrey M. Levine, is a Principal of Milestone Advisors, LLC, and Managing Director in Milestone's Financial Institutions Group, where he represents clients in the purchase and sale of mortgage companies, banks, thrifts and other financial service companies.

Larry Litton Jr.

President & Chief Executive Officer

Litton Loan Servicing

Larry B. Litton, Jr., is the president and chief executive officer of Litton Loan Servicing, overseeing the day-to-day operation of Litton's $75BB mortgage servicing portfolio.

As a founding member of the company, Larry has been involved in every aspect of the business since its inception in 1988 and has been a leader behind Litton's commitment to high quality customer care. Larry has implemented a number of programs and systems at Litton that have increased customer satisfaction and raised service levels to the top of the industry.

Patrick McClain

Senior Vice President, Enterprise REO


Patrick McClain is Senior Vice President of Enterprise REO for GMAC ResCap. Patrick joined the organization in 1999 and has served in various positions within the REO group. Patrick began his career with GMAC within the Investor Relations group and then moved to REO serving in various front line and management positions within the REO sales group.

Marion McDougall

Vice President

MetLife Home Loans

Marion McDougall is Vice President and Chief Operations Officer for MetLife Bank, N.A. Marion oversees the company's retail banking call centers, ATMs, and on-line banking, as well as mortgage post closing and all aspects of loan servicing and business technology.

Jay Meadows

Jay Meadows

Co-Owner, CEO, President

Rapid Reporting Verification Company

Jay Meadows is the co-owner and CEO of Fort Worth, Texas based Rapid Reporting Verification Company, an award-winning innovator of income, identity and employment verification products for the mortgage industry. A widely recognized fraud expert and fraud prevention advocate, Jay’s lobbying and educational efforts have been instrumental in the adoption of many of the industry’s most important fraud prevention efficiencies—including the reduction in income tax transcript turnaround times, which has enabled mortgage companies to use income verification as a pre-funding tool.

Bill Merrill

Senior Vice President, Default Servicing Operations

Wells Fargo Home Mortgage

Bill Merrill is senior vice president of default servicing operations for Wells Fargo Home Mortgage in Frederick, Md. He is responsible for collections and workout activity on the loans Wells Fargo services for other investors including the core prime, nonprime and sub-serviced portfolios serviced in Fort Mill, S.C., Des Moines, Ia. , Frederick, Md. , Milwaukee, Wisc., Minneapolis, Minn., and San Bernardino, Calif.

Paul Muolo

Executive Editor

National Mortgage News

Co-author, Chain of Blame

Paul Muolo is Co-author of the new book, "Chain of Blame, How Wall Street Caused the Mortgage and Credit Crisis" published by John Wiley & Sons.  'Chain' made Amazon's top 50 sellers list shortly after its release in mid-July. Paul also is co-author, "Inside Job, the Looting of America's Savings and Loans" (McGraw-Hill), a New York Times bestseller. "Inside Job" won several journalism awards, including: the Investigative Reporters & Editors best book of the year. It was nominated for a Pulitzer prize.

Mark Pearce

North Carolina Deputy Commissioner of Banks

State of North Carolina

Mark Pearce is Deputy Commissioner of Banks for the State of North Carolina and oversees the regulation of mortgage lending, consumer finance lending, other non-bank lenders. Pearce is Vice President of the American Association of Residential Mortgage Regulators and chairs the Conference of State Bank Supervisors' Subcommittee on Mortgage Policy.

Robert J. Power

Senior Vice President

Bank of America

Robert Power is Senior Vice President with the Bank of America Public Policy group. He is the Issue Manager for State Consumer Real Estate issues, focusing on emerging state legislative issues affecting mortgage lending and servicing operations. Prior to that, he was Executive Vice President, Public Affairs, with Countrywide Financial Corp. where he was responsible for managing the company’s state and local government affairs activities for all states. Robert is also the immediate past chair of the Mortgage Bankers Association State Legislative and Regulatory Committee.

Roland P. Reynolds

Palmer, Lombardi & Donohue LLP

Mr. Reynolds' practice concentrates on areas related to real estate finance, mortgage banking, and consumer finance. He defends companies in class actions and other civil litigation, involving claims arising under the Truth-in-Lending Act (TILA), the Real Estate Settlement and Procedures Act (RESPA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA) and related areas. Mr. Reynolds provides compliance advice to mortgage servicers and other consumer lenders. His practice also includes the drafting and negotiating of loan purchase agreements, loan correspondent agreements, loan broker agreements, and related instruments.

Linda C. Simmons

General Manager, Mortgage Finance

Overture Technologies, Inc.

Linda C. Simmons, General Manager, Mortgage Finance, Overture Technologies, Inc., is responsible for leading the use of Overture's decisioning capabilities across the mortgage value chain. Prior to Overture, Linda spearheaded IBM's Global Business Services into lending and securitization, with primary focus on the asset- and mortgage-backed securitization area coupled with loan acquisition, loan management, loan servicing, master servicing, dashboard and management reporting and the strategic analysis, change management and workflow necessary to achieve best execution.

Dennis G. Stowe

President and CEO

Residential Credit Solutions, Inc.

Prior to co-founding RCS Mr. Stowe served as President and COO for Saxon Capital, Inc. Mr. Stowe joined Saxon in 1994 as President and CEO of its affiliate Saxon Mortgage Services, Inc. to build the company's sub-prime mortgage servicing operation. Mr. Stowe led the growth of the platform from a staff of eighteen employees servicing under $1 billion in assets to three hundred professionals servicing approximately $12 billion in assets prior to his departure.

David Stiff

Chief Economist

Fiserv Lending Solutions

As chief housing market economist for Fiserv, David Stiff directs the research and development of the company’s quantitative valuation and forecasting models. He also produces economic analysis and home price forecasts for state, metropolitan, county, and sub-county housing markets.

David Tiberio

SVP, Business Development

First American - National Default Title Services

David Tiberio, based in upstate New York, is a senior vice president and strategic accounts director for First American National Default Title Services (NDTS). He is in charge of sourcing and developing new business for NDTS, with a focus on Eastern region clients, and managing both new and existing client relationships.

Christopher M. West

President & Chief Executive Officer

Green River Capital LC

Christopher West is the founder and president of Green River Capital, LC, a national REO asset management company. Green River Capital has grown to over 190 employees managing over 10,000 assets since beginning operations in 2004. Over the past 20 years, Mr. West has steered his career towards achieving an expertise in the acquisition, management and disposition of Real Estate Owned (REO) properties.