Keynote Speaker
Mary C. Coffin
EVP Loan Servicing & Post Closing
Wells Fargo
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Mary Coffin is executive vice president of Servicing Operations and Post Closing for Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A., and one of the nation's leading providers of residential mortgages. She is also a member of the mortgage company’s Executive Management Committee responsible for defining and executing against the company’s strategic direction.
Featured Speakers
Robert L. Appel
Executive Vice President of Servicing
Nationstar Mortgage
As Executive Vice President of Servicing at Nationstar Mortgage, Robert is responsible for all aspects of the company's primary and special servicing business. Prior to joining Nationstar in February 2008, he was with GMAC Residential Funding Corporation for nine years in a variety of roles, including Managing Director of its Homecomings servicing and Master Servicing operations and as CEO of its United Kingdom Mortgage Lending Business. After graduating from the University of North Texas, and spending five years with Ernst & Young, Robert spent the first 9 years of his mortgage career with Capstead Mortgage Corporation in servicing and portfolio management roles.
Inderpreet Batra
Senior Engagement Manager
Oliver Wyman
Inderpreet Batra is a Principal in the Financial Services practice of Oliver Wyman. He has advised large retail banks on strategic and operational issues in consumer credit and card-based payments.
Nigel D. Brazier
President
Acqura Loan Services
Nigel D. Brazier is President of Acqura Loan Services. Mr. Brazier, who brings over 25 years of extensive financial, risk, operations and business development experience, will be instrumental in the implementation of Acqura's strategic imperatives and growth objectives, and will further develop the company’s unique risk based special servicing approach that leverages advanced analytics and proprietary technology to help lenders and investors optimize cash flow and resolve mortgage debt challenges.
William H. Brewster
Director, Mortgage Fraud Program
Fannie Mae
Bill Brewster is Director of Fannie Mae's Mortgage Fraud Program. Bill’s unit in Dallas, Texas, is responsible for conducting Fannie Mae’s mortgage fraud investigations, analyzing and reporting mortgage fraud incidents, and partnering with industry and law enforcement on anti-fraud efforts. Bill has over 20 years of mortgage industry experience, is a member of the Association of Certified Fraud Examiners, and is a former Vice Chairman of the Mortgage Bankers Association of America’s Quality Assurance and Regulatory Compliance Committees. He holds BA and MA degrees from the State University of New York at Albany.
Connie Childs
Radian Guaranty, Inc
Fifth Third Bank
Connie began her mortgage servicing life at Fannie Mae in 1989 as an assistant to the VP of Property Disposition (REO Sales). Motivated to take a proactive approach to keeping people in their homes and reduce Fannie Mae’s credit losses, she became part of the Loss Mitigation Team, working directly with servicers to improve their loss mitigation efforts and outreach to borrowers. Connie served as the Loss Mitigation Process Manager for Fannie Mae’s National Servicing Organization (NSO) and Manager of Training and Communications for the NSO. Connie is with Radian Guaranty, Inc, as Vice President of Servicer Advocacy Group, managing Radian and Servicer relationships to partner and optimize loss mitigation efforts.
Terry Couto
Founding Partner
Newbold Advisors
Terry Couto, a founding partner of Newbold Advisors, has over 20 years of experience in the mortgage industry, serving in such executive positions as chief financial officer, controller and consultant. At Newbold, Mr. Couto, his partners, and associates provide consulting services to participants in the Real Estate and Capital Markets industries, including mortgage banks, banks, government sponsored enterprises, mortgage insurers, investment banks and attorneys.

Chris Day
Special Agent, Mortgage Fraud Coordinator
Dallas Division of the Federal Bureau of Investigation
Special Agent Chris Day is the Mortgage Fraud Coordinator for the Dallas Division of the Federal Bureau of Investigation. He manages the North Texas Mortgage Fraud Working Group, which is an educational and liaison forum for various law enforcement and regulatory agencies working mortgage fraud in North Texas. Since his assignment to Dallas in 2007, he has investigated a myriad of financial crimes including mortgage fraud, bank fraud, embezzlement, and other fraud schemes. He holds a business degree from Texas A&M Univesity and served in the US Air Force prior to joining the FBI.
Todd Emerson
Chief Executive Officer and President
Springboard Nonprofit Consumer Credit Management
Todd Emerson is chief executive officer and president of Springboard Nonprofit Consumer Credit Management. As CEO and president, Emerson leads a national nonprofit community service organization that offers personal financial education and assistance with credit counseling, comprehensive housing counseling, debt and money management to individuals and families in need through educational programs and confidential counseling.
Ann Fulmer
VP, Business Relations
Interthinx
Ann Fulmer is VP, Business Relations at Interthinx, a leading source for automated mortgage fraud detection and prevention solutions for the lending industry. She is a nationally recognized speaker who has been identified by People Magazine as “perhaps the savviest mortgage-fraud sleuth anywhere”.
Gregory Hebner
President
MOS Group, Inc. (Mortgage Outreach Services)
Gregory Hebner is the President of MOS Group, Inc. (Mortgage Outreach Services), a leader in the mortgage default industry for over 30 years. Mr. Hebner has over 10 years of experience in the real estate and mortgage industries, and is an expert in loss mitigation, mortgage servicing, defaults and delinquencies, as well as in the industry’s proven methods for maximizing the value of non-performing residential loans.

JB Hollenberg, CRCM
Compliance Control Director, Real Estate Lending
CitiMortgage
J.B. Hollenberg has 25 years experience in banking and has recently celebrated his 20th anniversary at Citi. He is currently the Chief Compliance Officer for Citicorp Trust Bank, fsb. and Compliance Director for CitiMortgage Default and Servicing Operations in the continental US. J.B. began his career at Citi as a Branch Manager and has held numerous management positions in Operations, Internal Audit and Compliance covering both sales and servicing functions. He is a registered CRCM with the Institute of Certified Bankers.
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.
Francis J. Liddy, Jr. (Frank)
Vice President
Genpact
Mr. Liddy is a financial services industry professional with over 20 years of experience applying creative thinking and critical reasoning to help organizations reduce costs, increase revenue and manage risk while improving the customer experience across the private and public sectors.
David Lo
Director, Mortgage and Investment Service practices in the Financial Services and Insurance Division
J.D. Power and Associates
David Lo is Director of the Mortgage and Investment Service practices in the Financial Services and Insurance Division of J.D. Power and Associates. He is responsible for all syndicated research studies in the practice, and plays a leading role in the company’s growing presence in the mortgage and investment services industry through proprietary tracking, consulting and performance improvement initiatives.

Jay A. Loeb
Vice President and a principal owner
National Creditors Connection, Inc (NCCI), Lake Forest, Calif.
Mr. Loeb is a graduate of San Diego State University. Prior to joining NCCI in 1996, Mr. Loeb was Vice President of a private investigation and auto recovery firm in San Diego, Calif. Upon joining NCCI his initial role was to build a nationwide network of field contact professionals, trained to assist lenders with a service that would help avoid costly foreclosures and repossessions. He successfully led at different intervals, the NCCI Sales and Operations departments. Currently Mr. Loeb heads the Strategic Business Development and the Loss Mitigation departments at NCCI. He is working extensively in developing new strategic alliances with existing clients, developing and implementing new client initiatives and new NCCI business services. He is continuously developing new strategic alliances with outside companies to promote NCCI as the nation’s premier field services firm. NCCI Corporate Office Lake Forest, CA
Frank E. Nothaft
Vice President & Chief Economist
Freddie Mac
Frank E. Nothaft was appointed to the position of chief economist in December 2001 and vice president in March 2004. In this position, Nothaft is responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting. Nothaft is also involved in the analysis of affordable lending activities and policy issues affecting the housing industry.
Terry Ross
Director, Regulatory Compliance
Barrett Burke Wilson Castle Daffin & Frappier, L.L.P.
Terry Ross started his career as a mortgage servicer with Fidelity Bond and Mortgage in Philadelphia in collections and foreclosures. After leaving Fidelity Bond, Mr. Ross worked for the Department of Veterans Affairs (VA) for 22 years.
Jeffrey C. Taylor
Managing Director
Digital Risk, LLC
Prior to founding Digital Risk, Mr. Taylor was a Founding Partner of Rapid Reporting LTD, the first private company to contract with the Social Security Administration (SSA) for identity authentication. He designed and implemented the first successful Identity Theft Authentication initiative for mortgage loan originators, contracting with seven of the country’s top ten lenders to provide the service.
Duwaine Thomas
Director of Servicing Management, National Servicing Organization (NSO)
Fannie Mae
Duwaine Thomas is a Director of Servicing Management for Fannie Mae's National Servicing Organization (NSO). Duwaine is responsible for managing the servicing performance of a large segment of Fannie Mae’s servicing portfolio.
Paul Williams
Director, Loan Modifications
GMAC Mortgage
Paul Williams is GMAC Mortgage’s director of loan modifications for the firm’s non-conforming owned portfolio. He is responsible for the policies and processes related to both the Treasury’s HomeAffordable Modification Program, as well as GMAC’s proprietary modification achievement and performance. Since this spring, Paul and his team have been focusing on implementing the Treasury’s HomeAffordable Modification Program.
