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We are loss mitigation specialists

Twenty years of experience at your service

Our Professionals

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Luis Torres - President

Luis R. Torres is the Founder and President of P.I.S.C. Corp. Mr. Torres has more than 30 years experience in retail banking, mortgage products and other servicing and financial products.  Prior to founding P.I.S.C., Mr. Torres was President of TRMC Corp., who provided outsourcing services to Banco Santander de Puerto Rico’s Collections Department. 

Mr. Torres has also served as Vice President of Banco de Ponce and Banco Santander in the retail banking division.

Mr. Torres holds a BA from the Interamerican University of Puerto Rico, He also graduated from the Virginia Business School.

Education

  • University of Virginia Graduate Business School 

  • Interamerican University Law School 

  • Interamerican University of Puerto Rico BAA  

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Paola Torres - In-House Counsel / Director of Human Resources

Paola Torres Quevedo works as an attorney with expertise in Labor and employment, contract development and negotiation and real estate and finance. She currently serves as Director of Human Resources and In-House Counsel at P.I.S.C. Corp.. Paola also spearheads the Mediation Department. 

Prior to joining P.I.S.C. Corp. ,Paola served as Executive Director and Chief Legal Officer for Health & Wellness Network of the Americas. She guided and monitored daily operations of a medical tourism company. Also, she negotiated, analyzed, and drafted all company, vendor, and third-party contracts. Also, performed as human resources manager to resolve labor and employee affairs. 

In this prior role, Paola prepared and drafted requests for proposal documents from the Puerto Rico Tourism Company, proposed, negotiated, and closed a vital contract securing the setup and execution of a clinical center partnered with a tourism organization and recruited and orchestrated a network of medical professionals for growing a medical facility. 

Paola has also worked as a Legal Intern for JFG Law Offices. She performed extensive research, managed multiple files, and provided administrative and client-oriented support. She aided in preparing and drafting mortgage deeds, purchases, and sales. During this time, she gained invaluable knowledge by assisting with numerous real estate transactions. 

Paola has also worked as a Loss Mitigation Specialist where she Analyzed financial discrepancies, resolved outstanding issues, coordinated with outside legal counsel, and managed quality control of financial documents for Banco Popular of Puerto Rico (BPPR). Conducted client orientation and processed client qualifications. She produced an 85% increase in client’s pipelines via implementing new methods to oversee and allocate internal documents requests. Provided insightful financial analysis along with client consultation regarding outstanding income and expenses. Successfully conducted the evaluation of BPPRS’S loss mitigation opportunities. 

Professional Honors
and Activities

Education

Admissions

  • Member- Bar Association of Puerto Rico

  • Member- Notary Bar Association of Puerto Rico

  • Member- SHRM Puerto Rico Chapter 

  • Interamerican University of Puerto Rico School of Law, J.D. 2015

  • Interamerican University of Puerto Rico, B.B.A, 2011

  • Puerto Rico Bar, 2016

  • Puerto Rico Notary Bar 2016

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Luis Irizarry Ramos –
Director of Operations

Luis Irizarry Ramos works as Operation Manager responsible for operating and improving operations that produce and deliver all Pisc’s services. Dealing with crisis and learning to joggle opposing business demands, no direct P & L responsibility but have competence in his area. Excellent interpersonal and organizational skills, with the ability to quickly resolve conflicts and generate solutions. Over 30 years of experience in the banking industry, professional, very committed, with a complete knowledge of the whole process of collections. Call Center, Customer Service and Loss Mitigation expertise with full experience in supervision and mortgage servicing process. Very committed professional with a complete knowledge of the entire collection process for mortgage and consumer products, as well as asset management (collections and disposition). Highly respected in banking in Puerto Rico. He reached executive positions in the industry in the direction of collections, such as Vice President of Collections and Loss Mitigation at Doral Financial, supervising a group of over 100 employees. Leader in processes, strategies, and training of resources.

Professional Honors and Activities  

  • Ongoing management and technical education include Dun and Brad Street Seminar series on collections; Human Resource Management, Freddie Mac Seminars, MBA Courses and MBS Course (Mortgage Collections)

  • Conversion Group Member for servicing system at Doral Financial-2004-2005

  • Chair of Fidelity Puerto Rico User Group, 2005  

Education

  • Interamerican University of Puerto Rico-BBA- 1993

Eva Y. Figueroa Hernandez, CPA

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Highly accomplished, accounting, and financial management executive with more than 23 years of experience. Manage all financial functions of P.I.S.C. Corp. since 2005, including the coordination and preparation of monthly, quarterly, and year-end reports for financial statements and corporate income tax returns. Significantly improved the whole accounting system and stayed up to date with current financial laws and regulations.

Manage account receivable, accounts payable, payroll functions and the negotiation of health insurance contracts. Comply with local, state, and federal government reporting requirements and sales, municipal and income tax filings. 

Experienced in developing and allocating budgets, managing financial accounts, conducting reports and revenue forecasts, and coordinating and mentoring financial teams. Reviewed contracts financially impacting the company and counseled executive leaders on impact contracts would have on company operations. Assist in corporate decision-making and planning by monitoring and setting policies and procedures to optimize fiscal performance.

From 1999 to 2004, worked at a local accounting firm, CPA Jose M Barletta. Worked with bookkeeping, payroll, payroll tax, sales taxes, municipal tax, personal and corporate financial statements, audits, inventories, income tax for individuals, DBAs and corporations. During this time, she acquired the knowledge and experience of the complete accounting cycle for various industries, setting the foundations of her career.

Education & Certification 

  • Certified Public Accountant since November 2003

  • 1995-1999 bachelor’s in business administration, Major in Accounting (Magna Cum Laude)- University of Puerto Rico, Rio Piedras Campus. 

Affiliations 

  • Puerto Rico Society of Certified Public Accountants-Member

Antonio Reyes 

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Antonio Reyes Montañez, supports the Human Resources and Accounting Department in operational tasks, guidance, data management and support. He is responsible for the entire process of recruiting and selecting resources, payroll processing, disciplinary actions, supervision, billing, among other functions, related to our integrated Outsourcing service. Antonio has extensive knowledge on issues related to Human Resources Administration, with more than seven years of experience, five of them in public service.

Prior joining PISC, Antonio worked in the Human Resources Department of the Municipality of Aguas Buenas, in the technical area, responsible for recruiting and selecting new appointments, updating personnel files, training, achieving the objectives aimed at maintaining a duly motivated staff, guaranteeing the productivity of employees in the performance of their duties, and enforcing the applicable Labor and Employment Legislation. 

Professional Activities

  • Independent Municipal Legislator for the Municipality of Aguas Buenas. 

  • Member - SHRM Puerto Rico Chapter 

Education

  • BBA Human Resources Management | Interamerican University of Puerto Rico

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Orlando E. Falcon - Supervisor

Orlando E. Falcon Ramos works as a collections and Call Center supervisor. Among his responsibilities are supervising the external collectors that provide service to PISC as well as the internal resources of the office. In addition, he oversees 15 employees who provide services in the Call Center, receiving and making calls for collection of overdue accounts. Prior to this role, he was supervisor of the Department of Property Inspections. In the past years he has overseen the Call Center and worked on mortgage loan processing in the Loss Mitigation area, in different outsourcing projects that PISC has to different banking institutions in PR. He has also experience in the mortgage loan mediation process in the courts of PR. 

Education

  • Interamerican University of Puerto Rico, B.B.A

Gema Ramos - Supervisor

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Gema Ramos works as supervisor of Collections (mortgage and consumer products) and Property Inspections. Responsible for supervising staff and monitoring the work for each area.  She assures that goals and objectives are met. 

Gema observes the daily work in Property Inspections and Collections, thus achieving the goals and results of the company and the clients we serve. Gema also provides support in the Call Center.

During her time working for P.I.S.C. Corp Gema Ramos has been prominent in outsourcing projects for Doral Bank and BBVA / Oriental, supporting mortgage loans (collections and loss mitigation).

Before joining P.I.S.C. Corp , Gema Ramos worked for Island Finance and TRMC as a supervisor in the Collections Call Center, among other functions.

Education

  • University of Puerto Rico, Bayamón Campus

  • Bachelor of Business Administration, concentration in accounting

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Gilbert Rodriguez - Supervisor

Gilbert Rodriguez has worked for over 20 years as supervisor of property inspections at P.I.S.C. Corp. He supervises inspectors in Puerto Rico, Virgin Islands and Florida. Gilbert also provides support in the Call Center. Gilbert can work with reports and metrics, and he is an excellent communicator with subordinates. 

Education

  • BA Business Administration Central University of Bayamón, continuing MBA courses,

  • Real Estate Broker