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2 It's hard to get, even harder to regain when broken. But when it is broken we have a choice. We can take a look in the mirror and take the necessary remedial measures to right the wrong, or we can stick to business as usual, and discount the issue as an anomaly. at is the choice facing Wells Fargo right now in the wake of the falsified account controversy which cost CEO John Stumpf and 5,300 others their jobs. If our exclusive conversation with incoming CEO Tim Sloan is any indication, Wells Fargo has committed to changing the culture and regaining the trust of their consumer base. In our cover story, Kendall Baer, Online Editor for DS News.com, goes deep with Sloan on his background, Wells Fargo's mortgage business, and what it takes to change a culture of an organization of this magnitude. What will Wells Fargo look like with Sloan at the helm? Read more to find out. Also this month, we place a special focus on service providers and get their expertise on the industry. In his piece "Fitting the Pieces Together," Tim Rath of Safeguard Properties discusses what it takes to build an effective third-party vendor recruitment system. Chuck Sockol of Aspen Grove Solutions lends his expertise on integrating the latest technology into vendor management. Finally, George Fitzgerald of Black Knight writes on how technology can aid decision making in the loss mitigation process. We want to keep your trust as well and make your voice heard. Is there something going on in the market that you would like to see covered? Have an idea for a new type of feature? We're all ears, so drop us a line and let us know how we're doing. Send an email to editor@dsnews.com or follow us on Twitter @DSNewsDaily and join in on the conversation. Derek Templeton Editor, DS News Trust… FROM OUR DESK default servicing | in print and online VOL. 14 NO. 11 No part of this publication may be reproduced without written permission from the publisher. ©2015 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. does not guarantee the accuracy of the information, and is not liable for any damages, losses, or other detriment that may result from the use of these materials. PUBLISHER EDITOR DESIGN DSNEWS.COM VIDEO EDITOR STAFF WRITERS COPY EDITORS ADVERTISING Mark Hulme Derek Templeton Jonathon Won Jordan Funderburk Krista Franks Brock, Brian Honea, Scott Morgan, Kendall Baer Alison Rich, Shalene Roberts Robyn Clayton: 214.525.6716 Kevin McCrea: 214.525.6756 Jason Myers: 214.525.6760 Suzanne Andresen: 207.443.3314 Veronica Guerrero: 214.525.6784 Veronica Clayton: 214.525.6786 f o r m e rl y m a g a z i n e Follow DSNewsDaily on CHAIRMAN AND CHIEF CREATIVE OFFICER PRESIDENT AND CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER DIRECTOR OF ACCOUNTING DESIGN Mark Hulme Ed Delgado John Harrison Ernest Gillespie Sean Walker Jason Stone Jonathon Won