Chris Santana is responsible for directing the default operations of PennyMac's enterprise, including loss mitigation, foreclosure referral, short sale/DIL, SCRA, and operational litigation. Prior to joining PennyMac in January 2012, Santana held various leadership positions with Bank of America and Countrywide Home Loans in the areas of foreclosure and subordinate lien risk management. He holds a bachelor's degree in Business Administration from the University of La Verne.