This is a past event. To see the list of our current events, please click  HERE
7:45 AM Pacific Time
Registration and Breakfast For Small Group Meeting Participants
7:55 AM Pacific Time
Getting To 50 Notes Small Group Meeting

Do you own 25 or 30 notes and are considering ramping up? Are you wondering how you can find even more supply and keep up your due diligence as you grow? Are there ways you can streamline the boarding process? Build out the right team? This small group session will be a unique opportunity to ask such questions to your peers and discuss best practices.

*Note/NPL Owners only*

Nathan Turner

Earnest Inc

Stan Scott

RS Capital Solutions, LLC
8:15 AM Pacific Time
Registration and Breakfast for All Conference Attendees Courtesy of:
8:45 AM Pacific Time
Large Institutional Player Roundtable-Where Do You See The Current Opportunity In Notes? Where Are You Finding Product To Take Advantage Of This Opportunity? What Is Next?

• How is your view on the economy/interest rates influence your strategy?
• Are you investing in Puerto Rico? Other natural disaster markets? Non-US markets?
• What are you buying? Divesting?
• Re-performers… Is there a lot left in this trade?
• How are you financing your purchases?
• Have you been looking at the government market lately?
• What has been your latest initiative on the servicing side?
• Are you doing any joint ventures?
• Natural disasters-Lessons learned
• Any new procedure due to regulation?
• What do you think about the 2nd lien market?
• When winter comes… The future of the market after the peak

Ben Hunsaker

Portfolio Manager, Head of Structured Products
Beach Point Capital

Joseph Ng

Managing Director
Angelo, Gordon & Co.

James Dooley

Managing Director – Capital Markets
AMIP Management

Luke Scolastico

Managing Director
Apollo Global Management

Michael Daurio

Managing Director - Head of Capital Markets
AMIP Management
9:30 AM Pacific Time
Financing The NPL/Note Market- Institutional Equity, Debt Financing & Securitization

• What are your source(s) of funding?
• What are the current terms, underwriting standards and leverage available? Negotiations- Where will you give some ground? Where are you firm?
• Collateral characteristics-Newer vs. aged; Re- vs. Non-performing, alternative collateral
• HELOCs, bridge financing, letters of credit & repos: When do you use which one?
• Financing from a securitization shop vs. fund vs. investment or local bank
• Trading secondary loans-the buyer/seller
• Refinance through fulfillment
• Raising a fund vs. going deal by deal vs. joint ventures with other investors to buy pools -Role of track record
• Partnership due diligence
• Any changes in the syndication market?
• Using IRA equity vs. private equity vs. family office money
• How does crowdfunding work for the notes market? Issues surrounding accredited investors

Marc Heenan

Head of Originations

Paul Birkett

Managing Member
Automation Finance LLC

Bret Ackerman

Anato Investment Group, LLC

Sonny Weng

Vice President – Senior Analyst
Moody's Investors Service

Oliver Austria

Triumph Capital Partners
10:15 AM Pacific Time
Legal Recovery Best Practices & Strategies-Comparing Sale Of Pre-/Post-Foreclosed Assets Vs. Bankrupt Assets Vs. Going Through The Foreclosure Process & Collections

• How do you decide between working out vs. litigation vs. selling off?
• Impact of recent court rulings on your business decision
• Fighting delaying tactics
• When does escrow make sense?
• Statue of limitations
• How have you been not getting courts involved?
• Finding out a newly purchased loan is in bankruptcy-What are your first steps?
• Role of the servicer
• What is happening on the state level?
• Looking at seconds, land contracts and other non-standard assets
• Increasing Returns on NPL Portfolios: Closing Protection Letter claims and other under-utilized recovery options

David Bavli

FVP, Associate General Counsel & Director
BofI Federal Bank

Mario Serra

Managing Partner
Schller Knap Lefkowitz & Hertzel, LLP

Michael Figueroa

Intuitive Capital Strategies

Orlando Villalba

Mortgage Recovery Law Group

Sean Mills

O'Kelley & Sorohan, Attorneys At Law, LLC
11:00 AM Pacific Time
Networking Break Courtesy of:

Please Choose Track 'A' or 'B'

11:40 AM Track A
Insourced Vs. Outsourced Operations- Is Self-Management The Best Use Of Your Time Or Should You Outsource

• What do you do in-house? Outsource? Are you thinking about making any changes to this equation?
• Debt collection and servicing-How do you handle?
• Cost to outsource various functions vs. hiring internally
• Identifying which functions are your core competencies… Which functions would you never outsource because they are too important?
• Disposition strategy • Operating/Performance metrics, expense ratios, benchmarks & best practices
• The Servicing Industry… How is it changing? What does the future looking like? How will it impact your business?

Jorge Newbery

Activist Legal LLP

Rida Sharaf

SVP USRES Operations

Robert Knohl

Dreambuilder Investments LLC

Aaron Johnson

VP of Sales
11:40 AM Track B
Comparing The Foreclosure Process In Judicial, Quasi-Judicial & Non-Judicial States

• Default/Pre Foreclosure Referral-Complying with CFPB rules and what to do if you don’t have complete loan histories
• Commencing the Foreclosure/Referral to Attorney- Notice of Default and Acceleration & Title review, Bankruptcy effect, military personnel and filling complaint/posting the notice of foreclosure
• Service of Process
• Affidavits, Mediations and Judgment
• Sale, post-sale and post-foreclosure issues in judicial and non-judicial states
• Pursuing deficiencies

George Caballero

Investor + Attorney
Caballero Lender Services

Ron Deutsch

Cohn, Goldberg & Deutsch, LLC

Scott Keller

Director of Sales and Marketing
Dyck-O’Neal, Inc.

Daniel Singer

Sokolof Remtulla

Paul Weingarden

Certified Real Property Specialist
Usset, Weingarden & Liebo PLLP

Daniel Cox

Wood + Lamping
12:25 PM Track A
Making Sure You Have No Kick Outs… Preparing Your Portfolio To Sell And Evaluating Disposition Strategies

• Making sure the price is right- The assets overview, factors involved: 1sts & 2nds
• Dirty pools and major defects-Correlating defects to price-to-cure
• When to start asset level review
• Technology and automation available
• Structuring reps and warrants
• Portfolio segmentation for specific buyers
• What buyers are looking for in due diligence that sellers needs to be prepared for?
• Curative actions, timeline to successful resolution
• Preparing for a 1031 exchange

John Hutchison

Chief Operating Officer
Infinity IPS

Tony Peterson

Senior Vice President
Inglet Blair

Rob Nadler

Managing Partner
Faller Financial

Alex Goldovsky

Founder & CEO

Andy Pollock

Senior Relationship Manager, Enterprise Sales

William Kazane

Asset Manager
United Asset Management, LLC
12:25 PM Track B
State Trending Litigation and Legislative changes, Servicing Compliance and Attorney Management

• Standing on securitized transactions
• State trending litigation and strategies
• Lien priority & assignment issues
• Risk’s associated with transferring NPL’s
• How much does it cost to litigate-When isn’t it worth it?  Litigation alternatives
• Compliance -CFPB, FHFA & RESPA, TILA & Reg Z collection, modification and servicing laws to be concerned about and their impact on everything you do
• Trending Bankruptcy issues
• Attorney Management

Manbir S. Sandhu

Sandhu Law Group LLC

Thomas Federman

Hladik, Onorato & Federman

Robert Galbraith

Davidson Fink

Randall Miller

Randall S. Miller & Associates, P.C
1:10 PM Pacific Time

General Session Resumes

2:10 PM Pacific Time
Loss Mitigation Options Without Getting The Courts Involved For Non-Performing Notes and NPLs… Workout, Modifications & Rehab

• Anything on the regulatory or tax side that has changed this? Not only federal but local and state
• Choosing loss mitigation options-which one(s) are the most effective?
• Treating first-time non-performers vs. habitual ones
• Cash for keys-What is effective? Getting out the calculator
• First vs. seconds and other non-standard note products
• Is your strategy to get the tenant to re-perform or foreclose? Making the note re-perform vs. getting to the real estate? 
• Choosing your NPL vs. performing note servicer
• Loss mitigation and the FHA
• Borrower engagement strategies-What is producing the better outcomes
• Short Sales and DIL workflows, borrower connectivity and CFPB Compliance
• Key REO issues– Servicer to outsourcer connection and record integration
• Technology – Reporting, transparency and connectivity with vendors

Gerald Lemoine

The Lemoine Group, Inc.

Gene Spencer

Homeownership Preservation Foundation

John Ansell

Rosenberg and Associates, LLC

Robert Pajon

SVP - Marketing & Product
2:55 PM Pacific Time
The Re-Performing Market

• What kind of non-performers do you look for that can be turned into performers?
• Taking a non-performer and making it perform-What is your strategy?
• How long do the payments need to be until it is considered re-performing?
• What kind of step up can you expect when the note performs?
• Sell or keep-What goes into the decision?
• Two time losers-What is your strategy on re-defaulters?
• Cash flow forecasting
• QM vs. Non-QM product
• How bad will rate rises hit the RPL market?

Sandor Lau

Chief Inspiration Officer
Noted Financial

Matt Reilly

Senior Vice President, Data & Analytics Division
Black Knight, Inc.

Derek Katz

Managing Director
MountainView Capital Group

Tai Nong

Vice President
Oval Capital

Jeff Freud

Managing Director
United Asset Management, LLC
3:40 PM Pacific Time
Networking Break Courtesy of:

4:15 PM Pacific Time
Note Default Risk Assessment

According to the S&P Consumer Default Index recently released, the rate of first-mortgage defaults increased in December over November, along with the overall consumer default rate.  The monthly increase was greater for second-mortgage defaults, which has tripled over the past year.   These types of increases has made effective default risk assessment of even greater importance.
• What is the first thing you do for a new note?
• Due diligence best practices
• New sources of risk-What are they and how are they being reflected in your business?
• Which notes have too much risk for your appetite? Why?
• Changes in the way you are assessing an individual property
• Equity vs. borrower vs. collateral
• When seconds are less risky than firsts
• How do you look at natural disaster-prone areas?
• What mistakes do you catch on someone else’s risk assessment?
• Default history vs. first-timers in trouble?
• Data and analytics out there that help your decision
• For when all the above fails-Insurance for notes

Tony Peterson

Senior Vice President
Inglet Blair

DeAnn O'Donovan

CEO-Asset Management Division
University Bank (Midwest Loan Solutions)

Michael Figueroa

Intuitive Capital Strategies

Claudio Chavez

Chief Counsel
United Asset Management
5:00 PM Pacific Time
Banks & Mortgage Originators Working Out NPLs And Selling Loans

According to people in the know banks are still expected to have $20 Billion on non-performing mortgage holdings at year end of 2018 making this channel a still formidable supply option.  This session will discuss
• New origination, underwriting standards– What are the trends in your loan book?
• Is the level of defaults increasing or decreasing in your portfolio? Can you see any pattern emerging for your portfolio of residential loans?
• How should interested note buyers approach you for loans? Are you being picky on who you sell to? What should buyers not do – what drives you nuts? 
• What are auditors/quality control looking at and why?
• What is your preferred method of workout? Sale?
• What is your strategy on 2nd liens?
• Do you provide seller finance?
• Judicial vs. non-judicial state credits
 • What are your newest problem loans looking like?

Steven Eisenberg

CEO and Founding Partner
Stern & Eisenberg, PC

Tom Constantine

Executive Vice President & Chief Credit Officer
BofI Federal Bank

Cheri George

Senior Vice President - Special Assets Manager Irvine
California Bank & Trust

Gregory Paulus

Managing Director
Kreshmore Group
5:45 PM Pacific Time
Networking Reception
6:45 PM Pacific Time
Day One Concludes
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Contact Information
1120 Avenue of the Americas, 6th Floor
New York, NY 10036 USA

Phone: +1 (212) 901-0506
(8:30 AM - 5:30 PM Eastern Time / Monday-Friday)


Event Contacts for 3rd Annual NPL/RPL & Mortgage Notes Forum (West)


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Information Management Network - Privacy Notice

Introduction - Who we are

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This Privacy Notice was updated on 23 May 2018

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  • Lead Generation and Scoring

    We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.

    We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.

  • Surveys, Market Research & Customer Feedback

    We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.

  • Public forums, message boards and blogs

    Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.

  • Business or Asset Sale

    If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.

    If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.

  • Additional Third Party Disclosures

    We may disclose your personal data to other third parties in the following situations:

    • To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
    • Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
    • If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
  • Email Tracking

    We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.

We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:

  • Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
  • The business rationale for collection and expiry of the purpose for which personal data was collected;
  • Our ongoing ability to ensure the accuracy of the data; and
  • Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which include the following:

  • Access & Portability

    You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.

    You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.

    If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.

  • Rectification, Restriction, Objection

    You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.

  • How to Exercise Your Rights

    To exercise any of these rights, please contact us by post or email at the following addresses:

    Euromoney Institutional Investor PLC
    8 Bouverie Street
    London, EC4Y 8AX
    United Kingdom


    Web form: Complete Subject Data Request Form

    We may need to check your identity prior to processing a request.

    Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.

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