Risk Management, QA and Fraud Prevention Forum
September 10-12, 2022
Sunday, September 11, 2022
9:00 AM - 3:00 PM	MBA Education Presents: Advanced Risk Management Workshop  (Separate Registration Required)
Location: North Coast, Level 4

For the past several years, MBA Education and The University of Maryland’s Robert H. Smith School of Business have partnered to deliver best-in-class risk management to single-family mortgage finance professionals. The Advanced Risk Management Workshop, geared towards professionals with 5+ years experience, will challenge risk management leaders through a highly interactive simulation exercise. Attendees will be able to network, compete, and learn from their peers all at the same time. Make the most of your time at the forum by starting with this valuable workshop. To register please copy the following link to your browser:   https://www.mba.org/conferences-and-education/event/2022/09/11/default-calendar/advanced-risk-management-workshop-75277
	
12:00 PM - 6:00 PM	Registration
Location: Summit Foyer, Level 4	
2:00 PM - 3:30 PM	Risk Management/QA Committee Meeting (Open to Members; Closed to Media)
Location: Summit C, Level 4	
3:00 PM - 6:00 PM	Exhibit Area Open
Location: Summit Foyer, Level 4	
3:30 PM - 5:00 PM	Special Session: GSE Update
Location: Summit DE, Level 4

Join MBA’s Chief Economist, Mike Fratantoni, as he hosts representatives from Fannie Mae and Freddie Mac for our yearly update on the critical changes taking place that impact underwriting and QC practices.

Speakers
Bill Cleary, Vice President, Single-Family Credit Risk Loan Quality, Fannie Mae
Michael Fratantoni, Ph.D., Chief Economist  and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association
Keith Jones, Vice President Credit Policy, Client Credit Risk Management & Quality Control Freddie Mac, Freddie Mac	
5:00 PM - 6:00 PM	Music City Mixer
Location: Summit Foyer, Level 4	
Monday, September 12, 2022
7:30 AM - 6:00 PM	Registration
Location: Summit Foyer, Level 4	
8:00 AM - 9:00 AM	CRO Roundtable Breakfast (Invitation Only)
Location: Mill Yard A, Level 3	
8:00 AM - 9:00 AM	Fraud Issues Subcommittee Meeting (Members Only; Closed to Media)
Location: Summit C, Level 4

The Fraud Issues Subcommittee meets in person during RMQA. All MBA members are welcome to attend to learn what the committee is working on and hear from guest speakers. Breakfast served.
	
8:30 AM - 9:00 AM	Continental Breakfast
Location: Summit Foyer, Level 4	
8:30 AM - 6:00 PM	Exhibit Area Open
Location: Summit Foyer, Level 4	
9:00 AM - 10:30 AM	Opening General Session:  Fraud Update
Location: Summit DE, Level 4

MBA’s CEO Bob Broeksmit and Chief Economist Mike Fratantoni provide an overview on the state of the industry. Following their remarks, special guest speakers provide an update on the latest mortgage fraud schemes and offer recommendations to safeguard your company in the year ahead.

Speakers
Bob Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association
Michael Fratantoni, Ph.D., Chief Economist  and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association
Christa Lynn Greco, Criminal Investigative Division, Mortgage Fraud SME, Federal Bureau of Investigation
Jennifer C Link, Fraud Manager, CMG Financial	
10:30 AM - 10:45 AM	Refreshment Break
Location: Summit Foyer, Level 4	
11:00 AM - 12:00 PM	Fraud Prevention Track: Strategies for Detecting Fraud
Location: Summit DE, Level 4

Expert speakers share methods for detecting fraud in the loan origination and servicing processes. Learn about emerging risk and detecting red flags during the loan origination process, and transactions involving Third Party Originators.  Identify opportunities for fraudulent activity in loan servicing and restructuring activities as forbearance plans expire. Leave with strategies to better detect, prevent, and manage suspicious activities.

Speakers
Don T. Effertz, Vice President, Risk Management, DataVerify, Inc.
Robert R. Maddox, CMB, AMP, Partner, Bradley LLP
Steve Safavi, AML Officer - Nationstar Mortgage, Mr. Cooper	
11:00 AM - 12:00 PM	Risk Management & Analytics Track: Managing Valuation Processes in Changing Market Conditions
Location: Summit AB, Level 4

Appraisal and home valuations are central to the underwriting process. As interest rates have increased in 2022, mortgage industry forecasts are predicting that the recent high house price appreciation we have experienced will attenuate in many markets and may even turn negative in some locations. In this session, hear how lenders can manage their valuation processes in uncertain and changing market conditions.

Speakers
Josh Goldberg, Director, Summit Consulting, LLC
Helen McMillan, Technical Account Manager, Mortgage Solution Engineer, Experian Information Solutions, Inc.
Shawn Telford, Chief Appraiser, CoreLogic	
11:00 AM - 12:00 PM	Underwriting & QA Track: Best Practices for eClosings in Lending Today
Location: North Coast, Level 4

The mortgage industry inches closer each year to a more digital process. Hear from experts as they discuss how this trend towards digitization increases efficiencies in the underwriting process while reducing costs through eClosing solutions.  This session examines the latest updates on the adoption of eClosing loans, where to look for common mistakes and how to mitigate risks inherent to the procedures.

Speakers
Tim Cooper, Manager, Digital Practice, Falcon Capital Advisors
Angel R. Hernandez, Head of Industry and Regulatory Affairs, Stavvy
Jonathan Kearns, Associate Vice President, Product Development, MISMO, Mortgage Bankers Association
Dan McGrew, President, Elite Digital Mortgage Consulting, LLC
Zach Willard, Regional Director of Business Development, Click n’ Close, Inc	
12:00 PM - 1:15 PM	Lunch
Location: Summit Foyer, Level 4	
1:30 PM - 2:30 PM	General Session: A Look at Mortgage Fraud Trends for the Coming Year
Location: Summit DE, Level 4

Fraud and analytics experts review recent data and discuss how the findings impact your business now and in the months ahead. Hear about overall fraud risk, shifts in fraud types, and ties to economic indicators for the coming year. Learn about data sources available to risk managers, how to make sense of conflicting information and strategies for addressing changes to risk.

Speakers
Bridget A. Berg, Principal, Fraud Solutions, CoreLogic
John Jensen, Senior Leader, Analytics, CoreLogic
Jennifer C Link, Fraud Manager, CMG Financial	
2:30 PM - 2:45 PM	Refreshment Break
Location: Summit Foyer, Level 4	
2:45 PM - 3:45 PM	Fraud Prevention Track: Addressing Fraud through Commonsense Underwriting
Location: Summit DE, Level 4

Everything old is new again with fraud.  Join a conversation with industry fraud prevention leaders about fraudulent activity from the past being recycled to fit today’s environment.

Speakers
Robb Hagberg, Executive Director - Secured Lending Fraud Risk, Chase
Katherine Hollister, Chief Compliance Officer, Mann Mortgage LLC
Jennifer C Link, Fraud Manager, CMG Financial	
2:45 PM - 3:45 PM	Risk Management & Analytics Track: Leveraging ESG to Your Advantage
Location: Summit AB, Level 4

The implications of adopting ESG initiatives weigh on firms—whether through updating risk management practices, potential impacts to the bottom line, or the imperative to change day to day operations. In this session, panelists discuss how ESG can work to an adopting firm’s advantage by allowing it to attract investment, improve origination efficiency, and reduce its carbon footprint.

Speakers
Suzanne Garwood, Executive Director and Associate General Counsel, Chase
Angel R. Hernandez, Head of Industry and Regulatory Affairs, Stavvy
Christopher Joles, SVP Enterprise Risk Officer, Planet Home Lending
Jonathan Kearns, Associate Vice President, Product Development, MISMO, Mortgage Bankers Association	
2:45 PM - 3:45 PM	Underwriting and QA Track:  Improving QC Strategies in Today's Volatile Lending Market
Location: North Coast, Level 4

As purchase transactions dominate the mortgage market, the detailed documentation required and intensive underwriting process introduces potential for additional errors and loan defects, increasing the risk of repurchase by lenders. This session discusses how proper QC guidelines will serve as lenders' best line of defense in maintaining high loan quality production, mitigating operational risks and reducing unintended mistakes.  

Speakers
Duane Gilkison, Senior Director, Credit Risk Management, Fannie Mae
Brian Margulies, VP-Operations-Lending and Quality Control Services, Indecomm Global Services
David J. O'Malley, Director of Loan Quality Solutions, LoanLogics
Stephen W. Spies, CMB, Principal and Founder, SWS Risk Advisors LLC	
3:45 PM - 4:00 PM	Refreshment Break
Location: Summit Foyer, Level 4	
4:00 PM - 5:00 PM	General Session: Risk Management Executive Perspectives
Location: Summit DE, Level 4

The mortgage industry has shifted quickly from record origination volumes in 2021 to sharp declines in volume and rising interest rates in 2022. Rapid change requires strong leadership. Top mortgage executives provide their insight on leading organizations through today’s lending environment, maintaining high quality operations, managing credit risk and governing organizations in unpredictable times.

Speakers
Nicole Booth, Chief Marketing Officer, QC Ally, LLC
Cheryl Feltgen, EVP, Chief Risk Officer, Arch Mortgage Insurance Company
Daniel Sawatzke, SVP - Chief Compliance and Risk Officer, Academy Mortgage Corporation
Suzanne M. Shuck, EVP, Chief Risk Officer, Freedom Mortgage Corporation	
5:00 PM - 6:00 PM	RMQA Social
Location: Summit Foyer, Level 4	
Tuesday, September 13, 2022
7:00 AM - 12:00 PM	Registration
Location: Summit Foyer, Level 4	
8:00 AM - 8:30 AM	Continental Breakfast
Location: Summit Foyer, Level 4	
8:00 AM - 9:45 AM	Exhibit Area Open
Location: Summit Foyer, Level 4	
8:30 AM - 9:30 AM	General Session:  When Good Fraud Investigations Go Bad
Location: Summit DE, Level 4

Hear a white-collar defense attorney’s perspective about what types of fraud attracts the attention of regulators and law enforcement, how routine investigations can take fast and unexpected turns, what conduct makes a financial institution a target, and the quiet but critical role that risk/QA/compliance/fraud personnel play in keeping financial institutions out of harm’s way.

Speaker
Kip Mendrygal, Partner, Locke Lord LLP	
9:45 AM - 10:45 AM	Fraud Prevention Track: Fraud in Mortgage Finance – Ask the GSEs
Location: Summit DE, Level 4

Learn what fraud types and characteristics the GSEs are seeing in the marketplace, including origination, REO, and servicing.  Gain historical perspective from past years as compared to current trends.

Speakers
Bridget A. Berg, Principal, Fraud Solutions, CoreLogic
Doug LeDoux, Director, Freddie Mac
Sean Sowards, Director, Mortgage Fraud Investigations, Fannie Mae	
9:45 AM - 10:45 AM	Risk Management & Analytics Track: Integration of Climate-Change Risk into the Mortgage Market
Location: Summit AB, Level 4

Policymakers, regulators, and real estate market participants are increasingly focused on climate-related financial stability risks. How an organization manages the physical and transition climate risks created by changing conditions is core to successful ESG risk management. In this session, experts discuss how they view the integration of climate risk management into the mortgage industry.

Speakers
Dave Evans, Principal and Consulting Actuary, Milliman, Inc.
Janet Jozwik, Managing Director, RiskSpan, Inc.
Robert Landauer, Director of Business Development, Andrew Davidson & Co., Inc.
Steven Rothstein, Managing Director, Ceres Accelerator for Sustainable Capital Markets	
9:45 AM - 10:45 AM	Underwriting & QA Track: Examining Trends in Fair Housing, Fair Lending and Fair Servicing Compliance
Location: North Coast, Level 4

Given the intense focus from regulators across the board and at all levels, compliance with fair housing, fair lending and fair servicing regulations is more important than ever. Panelists discuss the trends and give guidance on how lenders can put controls in place to detect and limit risk and ensure  compliance.

Speakers
Britt Faircloth, SVP, Fair Banking Officer, Valley National Bank
Michael Y. Kieval, Partner, Weiner Brodsky Kider PC
Amanda Phillips, EVP of Compliance, ACES Quality Management
Jerra H. Ryan, CMCP, Senior Vice President, Compliance & QC, SWBC Mortgage	
11:00 AM - 12:00 PM	Fraud Prevention Track: Using Data to Stop Today’s Fraud Schemes
Location: Summit DE, Level 4

This panel dives into many aspects of managing fraud risk, including investigations and developing fraud risk programs and analytics. Panelists also discuss the importance of anti-fraud budgets and possible challenges to anti-fraud programs, so you can best protect your organization.

Speakers
Thomas Clerici, Executive Vice President and Chief Technology Officer/Chief Information Security Officer, Freedom Mortgage Corporation
Regina M. Lowrie, CMB, 2006 MBA Chairman; President & Chief Executive Officer, DYTRIX, Inc.
Matt Merlone, CMB, CFE, Vice President Procurement Market Intelligence, DataVerify, Inc.
Sharon Reichhardt, EVP of Operations, ACES Quality Management	
11:00 AM - 12:00 PM	Underwriting & QA Track: The Risks and Rewards of the Data-Driven Mortgage Company
Location: North Coast, Level 4

In this panel at the intersection of data science and risk management, hear how lenders and servicers are harnessing new data assets and data models to advance an array of initiatives from more efficient collateral valuation to more inclusionary lending practices to more effective servicing portfolio management. How does the cost of implementing these data-driven approaches compare with the return they deliver? How can data be leveraged to mitigate risk, and what new risks does it introduce?

Speakers
Katherine Campbell, Chief Digital Officer, Assurance Financial
John V. Levonick, Chief Executive Officer, Canopy Financial Technology Partners
Tammy Richards, CEO, LendArch LLC