Andrey D. Pavlov specializes in real estate finance at Simon Fraser University, Vancouver, BC, where he is a professor of finance. His research is on mortgage-backed securities pricing and commercial and residential market risk management. He has also worked on the modeling of aggressive lending practices, risk management for publicly traded real estate companies, mortgage, and equity securitization, and mortgage default risk. He earned his Ph.D. from the Anderson School at the University of California, Los Angeles (1999) and was a visiting Associate Professor of Real Estate at the Wharton School, the University of Pennsylvania during the 2006 – 2008 period. Since then he has continuously taught real estate finance for the Wharton Executive Education program. He is a fellow of the Ziman Real Estate Center at UCLA, a winner of the Homer Hoyt Advanced Studies Institute Best Dissertation Award (2000), and a post-doctoral honoree of the Homer Hoyt Advanced Studies Institute (2005). Professor Pavlov has a wide range of academic and industry-oriented publications. He is a sought-after speaker, author, and consultant for both the public and private sectors. He has recently consulted for the U.S. Financial Industry Regulatory Authority, the U.S. Department of Housing and Urban Development, the Canadian Mortgage and Housing Corporation, major mortgage lenders, insurers, and hedge funds.