Donald H. Layton joined Freddie Mac as chief executive officer in 2012. A publicly traded company, Freddie Mac is one of the largest sources of mortgage financing in the United States, as well as a leader in building a more efficient and effective American housing finance system. As a government-sponsored enterprise chartered by the U.S. Congress, Freddie Mac is dedicated to providing responsible access to mortgage credit by purchasing single-family and multifamily loans from lenders of all types, benefiting millions of homeowners and renters nationwide.

Layton has more than 40 years of experience in financial services and as a corporate leader. He worked for nearly 30 years at JPMorgan Chase and its predecessors, starting as a trainee and rising to vice chairman and member of the three-person Office of the Chairman, retiring in 2004. More recently, from 2007 to 2009 he served as chairman and then CEO of E*TRADE Financial, which he shepherded through the financial crisis. Additionally, Layton has been a member of the boards of several financial services firms and was a senior advisor to an industry association.

In his career at JPMorgan Chase, Layton's responsibilities spanned capital markets and investment banking, consumer banking, and operating services. From 2002 to 2004, he was responsible for Chase Financial Services, the consumer and middle-market business, which included the fourth-largest mortgage firm in the United States. He was co-chief executive officer of J.P. Morgan, the investment bank of the company, from 2000 to 2002 and oversaw its entire range of global activities. Prior to the merger of Chase Manhattan and J.P. Morgan in 2000, Layton was responsible for Chase's worldwide capital markets and trading activities, including foreign exchange, risk management products, emerging markets, fixed income, and the bank’s investment portfolio and funding department. As well, he was responsible for Treasury & Securities Services, the operating services unit of the company, from 1999 through 2004.

He served as a senior advisor to the Securities Industry and Financial Markets Association from 2006 to 2008 and serves as chairman emeritus of the board of the Partnership for the Homeless, a nonprofit dedicated to reducing homelessness in New York City, after having been its chair for nearly a decade. 

Layton received simultaneous Bachelor and Master of Science degrees in economics from the Massachusetts Institute of Technology and a Master of Business Administration from Harvard Business School.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

David Brickman is President of Freddie Mac and is responsible for all three of Freddie Mac's business lines – Single Family, Multifamily and Capital Markets – as well as the information technology and operations areas that support these business lines.

Previously, Brickman was the head of Freddie Mac Multifamily, where he presided over a remarkable period of growth – raising annual production from $16 billion in 2010 to almost $80 billion in 2018 and increasing the organization from 300 staff members in four offices to approximately 1000 employees in a dozen locations across the country. He also firmly established the company's flagship K Deal Securitization program as one of the leading securitized products in the structured finance markets. Brickman also drove significant innovation and an expansion in Freddie Mac's products and offerings – particularly those that serve the growing need for affordable and workforce housing.

Prior to serving as head of Multifamily, Brickman served as senior vice president and prior to that, as vice president in charge of the Multifamily Capital Markets business area. In this position, he oversaw all functions relating to Freddie Mac's multifamily and CMBS investment and capital markets activities. He is the key architect behind several of Freddie Mac's innovative multifamily financing products, including the Capital Markets Execution and K Deal program, Reference Bill ARM, fixed-to-float suite of products, and Performance-Based PC, for which he holds a U.S. patent.

Prior to joining Freddie Mac in 1999, Brickman co-led the Mortgage Finance and Credit Analysis consulting group at PricewaterhouseCoopers.

Brickman completed all doctoral coursework for his Ph.D. in economics and real estate at The Massachusetts Institute of Technology. He holds a master's degree in public policy from Harvard University and a bachelor's degree from the University of Pennsylvania. He has held appointments as a professorial lecturer of finance at The George Washington University and as an adjunct professor of finance at Johns Hopkins University.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Ricardo A. Anzaldua joined Freddie Mac as executive vice president and senior legal advisor in May 2018 and was appointed to his current role as general counsel and corporate secretary in January 2019. He is a member of the company’s senior operating committee.

In his role as principal legal counsel to Freddie Mac, Anzaldua oversees all legal and regulatory strategies, services and resources and manages all corporate governance matters.

Prior to joining Freddie Mac, Anzaldua was executive vice president and general counsel of MetLife, Inc., where, from 2012 to 2017, he was responsible for the company’s global legal operations, global compliance and government relations. From 2007 to 2012, he held senior positions in the legal department of the Hartford Financial Services Group.

Anzaldua began his legal career in 1990 at the law firm of Cleary, Gottlieb, Steen & Hamilton LLP, shortly after graduation from Harvard Law School. The firm named him partner in 1999.

Before attending Harvard, Anzaldua served as publications director and senior editor at the Center for U.S.-Mexican Studies at the University of California San Diego, where he pursued graduate studies in history. He holds a bachelor of arts degree from Brown University, where he studied development economics and Latin American history.

Anzaldua is chairman of the board of trustees for the International Institute of Rural Reconstruction, and he serves on the boards of the Minority Corporate Counsel Association and the New York City Bar. He is a member of the Hispanic National Bar Association and American Bar Association.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Anil Hinduja joined Freddie Mac as executive vice president and chief enterprise risk officer in July 2015. He is a member of the senior operating committee and reports directly to CEO Don Layton. In his role, Hinduja is responsible for providing the overall leadership and direction for the company's Enterprise Risk Management division, and for leading an integrated risk management framework for all aspects of risk across the entire company.

Hinduja's decades-long career has been mostly spent at Citigroup. Over the years he has acquired in-depth experience managing risk in global consumer businesses, especially mortgages, both as a credit risk manager and as the head of a mortgage business. He joined Freddie Mac from Barclays PLC, where he served in increasingly broader risk management roles beginning in 2009. He held the position of chief risk officer for Barclays Africa Group Limited, which is majority owned by Barclays Bank PLC. Prior to assuming that role in 2013, Hinduja was group credit director for retail credit risk after serving as chief risk officer for Barclays' retail bank in the U.K.

Prior to joining Barclays, Hinduja spent 19 years at Citigroup in diverse roles with increasing responsibility across finance, operations, sales and distribution, business and risk management in global consumer businesses. In risk, he was director for global consumer credit risk and then chief risk officer for the consumer lending group, where he was responsible for managing risk in the mortgage, auto and student loan businesses. His tenure at Citigroup culminated in his term as president and CEO of Citi Home Equity.

Hinduja holds a Bachelor of Commerce degree from Sydenham College in India and an M.B.A. in Accounting from the University of Cincinnati.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Michael Hutchins is the executive vice president of Freddie Mac’s Investments & Capital Markets division. In this position, Hutchins is responsible for managing all of Freddie Mac's liquidity, financing, and interest rate hedging activities as well as managing Freddie Mac's portfolio of single family investments. He is a member of the company's senior operating committee and reports directly to CEO Don Layton.

Hutchins has worked in the financial services industry for over 25 years. Most recently, he was co-founder and CEO of PrinceRidge. Prior to founding PrinceRidge, he was with UBS from 1996 - 2007, holding a variety of positions, including the Global Head of the Fixed Income, Rates & Currencies Group. Prior to UBS, Hutchins worked at Salomon Brothers from 1986 - 1996, and held a number of management positions, including Co-Head of Fixed Income Capital Markets.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Deborah Jenkins is executive vice president and head of Multifamily. She leads all aspects of Freddie Mac’s Multifamily business – the largest capital provider to the U.S. multifamily rental housing market. She is a member of the company's senior operating committee.

Previously, Jenkins served as senior vice president and national head of Multifamily Underwriting and Credit. In this role, Jenkins oversaw all credit approvals and due diligence processes, asset level securitization activities, as well as credit policies and governance for all of Multifamily’s products. This prior-approval approach has produced delinquency rates among the very lowest in the industry while ensuring mortgage liquidity across economic environments. Jenkins also spearheaded enhancements in the company’s underwriting process specifically to support its securitization program, including its signature K and SB Deals.

Prior to that, Jenkins held different positions of increasing responsibility at Freddie Mac Multifamily, including vice president of national underwriting. Jenkins was a senior vice president with Wells Fargo National Bank in Michigan before joining Freddie Mac in March 2008.

Jenkins holds a Master’s degree in Corporate Finance from Walsh College in Troy, Michigan, and a Bachelor’s of Science degree in Corporate Finance from Wayne State University in Detroit.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

David Lowman was named executive vice president for the Single-Family Business in May 2013. He is a member of the company's senior operating committee and reports directly to CEO Don Layton.

As head of Single-Family, Lowman has broad responsibility for the line of business, including managing the company's relationships with its Seller/Servicers, the performance of Freddie Mac's guarantee book of business, securitization of new business, and all sourcing, servicing and business operations.

Lowman has worked in the mortgage and consumer finance business for over 30 years, serving at some of the nation's largest mortgage operations. Lowman served as CEO of Chase Home Lending from 2006 to 2011, overseeing $150 billion in annual production and a $1.2 trillion servicing portfolio at what was then the country's third largest mortgage originator and servicer. Prior to that, he spent a decade in senior leadership roles in various lending businesses of Citigroup, including head of CitiMortgage and Citicorp Trust Bank, FSB.

Before joining Citigroup, Lowman spent 11 years at The Prudential Home Mortgage Company, Inc. in progressively senior leadership roles. He started his career in the Washington, D.C. office of KPMG where his clients included banks, thrifts and mortgage bankers.

Lowman holds a Bachelor of Science degree in Business Management and Accounting from the University of Maryland's College of Business and Management.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Frank Nazzaro was named senior vice president – chief technology officer & acting chief information officer of Freddie Mac on May 20, 2019. He leads the Information Technology (IT) division and provides corporate-wide leadership for the company’s technology strategy. He is a member of the senior operating committee.

Nazzaro is an accomplished senior technology executive with over 20 years’ experience in the financial services industry. With an in-depth knowledge in infrastructure and applications, he brings a wealth of experience in transformational IT activities and strong leadership capabilities essential to IT’s strategic initiatives, including Cloud migration, Modern Delivery and Employee Technology Experience.

He joined Freddie Mac in 2018 as senior vice president and chief technology officer leading Enterprise Technology Solutions. In this position, he played a pivotal role in the effort to modernize Freddie Mac’s infrastructure, manage environments and deliver competitive technology solutions to employees and customers.

Previously, Nazzaro served as Group Vice President and CTO for Travelport LLC, where he led cloud architecture, infrastructure and operations globally. Before that, he worked as CTO at CIT Group where he was responsible for Transformation, Architecture, Technology Strategy and IT Infrastructure. He has held several senior technology and management roles at RBC Capital Markets, Bridgewater and UBS.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Jerry Weiss has served as executive vice president and chief administrative officer since August 2010. In this role, he serves as the company’s senior executive liaison to the Federal Housing Finance Agency and the U.S. Department of the Treasury. He oversees Government and Industry Relations and Public Policy, Public Relations and Corporate Marketing, Internal Communications, Conservatorship Affairs and Initiatives, Economic and Housing Research, Regulatory Affairs, and Making Home Affordable - Compliance organizations. He is a member of the company’s senior operating committee and reports directly to CEO Don Layton.

In addition, Weiss serves as a member of the board of managers of Common Securitization Solutions (CSS), a joint venture owned by the government-sponsored enterprises to establish a universal platform for the issuance and management of agency mortgage-backed securities.

Previously, Weiss served as Freddie Mac’s chief compliance officer and in other senior management roles since joining the company in October 2003.

Weiss has more than 30 years’ experience in the financial services industry. Before joining Freddie Mac, he worked at Merrill Lynch Investment Managers for 13 years, most recently as first vice president and Global Head of Compliance. From 1982 to 1990, he practiced with a national law firm in Washington, D.C., where he specialized in securities regulation and corporate finance matters.

Weiss graduated Phi Beta Kappa from the State University of New York at Binghamton with a Bachelor of Arts in political science. He earned a law degree from The George Washington University.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Jacqueline M. Welch is senior vice president, chief human resources officer and chief diversity officer of Freddie Mac. She is a member of the company’s senior operating committee and reports directly to CEO Don Layton.

As chief human resources officer, Welch delivers business and subject matter leadership, strategy and execution to the senior leadership team on organizational design and development, change leadership and alignment of all HR functions such as performance management processes, compensation programs and learning and development. In her role as chief diversity officer, Welch leads Freddie Mac’s diversity and inclusion strategy of its workforce and supplier diversity programs, as well as across business activities. She is also responsible for the compliance of the diversity reporting requirements required by law and directed by Freddie Mac’s regulator and conservator, the Federal Housing Finance Agency (FHFA). Welch also oversees the corporate community engagement program and our 10 Employee Resource Groups (ERGs).

Welch brings to Freddie Mac more than 20 years of experience in HR strategy and execution, including most recently as senior vice president of international human resources for Turner Broadcasting in Atlanta.  Previously, Welch worked for organizations such as West Rock (formerly Rock-Tenn Company), Accenture (formerly Andersen Consulting) and Willis Towers Watson (formerly Towers Perrin). Welch began her career as a merchant with Lord & Taylor, then a division of The May Department Stores.

Welch earned a Bachelor of Arts degree in English from Syracuse University in New York and a Master of Science in Human Resources Management from the Milano Graduate School, also in New York.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.