Servicing Super Session (Closed to Media)

President, Franzen and Salzano, PC

Loretta Salzano founded the firm in 1997 to provide practical legal solutions to mortgage lenders. The firm takes pride in its unique ability to counsel clients on how to achieve their goals while navigating the complex tapestry of federal law and the laws of all 50 states. Loretta focuses on fair lending, compensation and RESPA. She also prepares contracts (including warehouse and loan purchase agreements); troubleshoots to mitigate damages; and advocates with regulators. Among her many honors, Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine and serves as Legal Counsel to the Mortgage Bankers Association of Georgia.

Founder & President, Compliability Solutions LLC

Michael is President of Compliability Solutions, an advisory services and staffing company focused on optimizing compliance, quality, and risk solutions in highly regulated industries. Prior to founding Compliability Solutions, Michael served as a Senior Vice President at Mr. Cooper Group where his Servicing Advisory Team was responsible for Issues Management, Change of Law, and Quality Control, as well as formulating and executing on strategic initiatives that mitigate risk in Servicing. Michael was formerly the General Counsel and Chief Compliance Officer of Bayview/Community Loan Servicing where he was responsible for the Compliance and Oversight Department’s management, leadership and direction as well as the company’s overall compliance strategy. Prior to joining Bayview, Michael was Practice Leader of Ballard Spahr’s nationally recognized Mortgage Banking Group. With over 25 years servicing the industry in a wide variety of legal and compliance-related functions, working with/for hundreds of financial services companies, Michael is known for his ability to navigate the regulatory landscape, operationalize advice and build relationships that add value to those with whom he works. Michael received his law degree from Catholic University in Washington, DC, and his undergraduate degree in Government and Law and English from Lafayette College in Easton, PA.

Vice President, Mortgage Servicing Policy, Freddie Mac

Benjamin Gottheim and his team are responsible for creating policy regarding all aspects of mortgage servicing at Freddie Mac. This includes updates to the Freddie Mac Single-Family Seller/Servicer Guide and other terms of business. Before his current role, he spent his first two years at Freddie Mac managing a department responsible for foreclosure performance, timelines, and compensatory fees. Before joining Freddie Mac, Gottheim was an NPL buyer at a small mortgage company in Albany, New York, responsible for purchasing and servicing non-performing mortgage assets and REO. He earned his B.S. in management from Binghamton University with a double concentration in finance and MIS.