Charlie Dougherty is an executive director and senior economist with Wells Fargo’s Corporate and Investment Bank. Based in New York City, he provides analysis on the U.S. economy as well as the commercial real estate, housing, construction and regional sectors of the economy. He regularly produces special commentary, writes indicator reports and contributes to the company’s Weekly Economic & Financial Commentary. His commentary on the U.S. economy has been featured in various media, including CBS Evening News, National Public Radio, Bloomberg, the Wall Street Journal and Washington Post.

Before joining Wells Fargo in 2017, Charlie worked in the Strategy and Corporate Development department for CertainTeed Saint-Gobain, a world leader in the habitat and construction markets. Prior to that, he served as an economist and consultant at S&P Global. Charlie holds a B.A. and B.S. in economics and finance from the University of Pittsburgh and a M.A. in economics from Temple University in Philadelphia.

He is a member of the National Association of Business Economics, Philadelphia Council of Business Economics and Charlotte Economics Club.

President Elect, 2025 NAHREP North Jersey

As a first-generation American with Cuban roots, I am deeply committed to empowering the Latino community in Northern New Jersey through sustainable homeownership. Fluent in both Spanish and English, I leverage my bilingual skills to guide clients through the significant journey of real estate transactions. My dedication to helping others navigate this pivotal life event led me to real estate, where I’ve been recognized with the Circle of Excellence Award annually from 2021-2023. Currently serving as the VP of the NAHREP North New Jersey chapter, I am passionate about making a difference in my community by ensuring everyone has the opportunity to achieve the American dream of homeownership.

Nelson Ramos is a Vice President at Wells Fargo serving as a Senior Business Growth Strategy Consultant for the Home Lending Diverse Segments group. Acting as a diverse segment subject matter expert in this role, Nelson works through internal and external partnerships and strategic alliances to advance homeownership, serving diverse customers and underserved communities. He is responsible for a disciplined approach developing and executing strategies focused on helping households successfully achieve and sustain the dream of homeownership. Within his role in Diverse Segments, Nelson supports the Connecticut, New York, and New Jersey market. Nelson has been in the financial industry for over 30 years, with 26 years dedicated to the mortgage industry. He has held various roles at large institutions to include JP Morgan Chase, SunTrust Bank, Radian Guaranty and Charles Schwab Bank. He chaired the Board of Governors for the National Association of Hispanic Real Estate Professionals (NAHREP) and served on their Hispanic Wealth Project.

The northeast region is home to Nelson where he has spent most of his career. Nelson and his family reside in Toms River, NJ where they enjoy access to the coast and beach activities.

Rebecca is currently serving as CEO at Results Driven Enterprises, COO at My Homeownership Academy, Co-Founder of HispanicWay, Board Member for Sluggers Youth Academy and Co-Coordinator for Las Comadres Fort Worth amongst other volunteer activities. Rebecca with Results is an award-winning business and community growth strategist providing innovative programs and opportunities to positively impact her clients and the community.

Rebecca is a homeownership and investment advocate actively participating as a mentor, speaker and coach. She helps others learn the benefits of Business, Community, and Real Estate, with her event and interview series “Investing with Impact”.

Early in her career, Rebecca was recognized by the U.S. Small Business Administration in 2004 when she was the first Latina to be honored as the “Young Entrepreneur of the Year” by the OC/IE region for her pioneering small business model.

Since that time, Rebecca has been instrumental in the growth of many individuals and businesses by developing unique and proactive results driven solutions for business growth campaigns, regional and national outreach programs, asset acquisitions, investor relations, and community engagement initiatives.

Rebecca lives in Fort Worth, Texas with her husband Rob, two adult children, a spoiled dog, and a 22 year old turtle. She loves staying active in her church prayer group, fishing with her husband, and nature photography, especially of sunsets and wild flowers.