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Monday, October 28, 2019

  • INNOVATION AND TECH TRACK: Rockin’ Down the Digital Highway

    Location: Level 4,
    Room 17


    Steve Smith, Chairman, Chief Executive Officer and Co-.Founder, Finicity

    Nancy Alley, Vice President, Strategic Planning, Simplifile

    Tammy Richards, Chief Operating Officer,, LLC

    Teresa Blake, Managing Director, KPMG LLP

    Erik L. Schmitt, CFA, CPA, Managing Director, Chase Home Lending

    Breakout Session,

    Innovation and Tech Track

    Take a trip down the digital highway in this session that examines the status of digital mortgage at each step of the mortgage process – customer acquisition, document collection, underwriting, closing and post-closing.  Experts provide a road map to where we are, where we are going, and where roadblocks exist.


    Steve Smith, Chairman, Chief Executive Officer and Co-.Founder, Finicity

    Financial services entrepreneur Steve Smith is the Chairman, CEO and Co-founder of Finicity, an industry innovation platform providing consumer-permissioned financial data and insights. Steve has built a strong reputation with customers and partners for developing creative strategies and disruptive technologies that deliver market efficiencies, provide better experiences and enable new business models. He has been the creative force behind many of Finicity’s offerings for financial data APIs, credit decisioning tools and financial wellness solutions.  In building Finicity, Steve has leveraged executive leadership experiences from public and private organizations, spanning large enterprises to small start-ups. Highlights include senior executive responsibilities for the world’s largest supplier of data communications products for mobile computers, where he is credited as a pioneer in mobile data communications, and turning around a large industrial manufacturer to become a leader in its market.  Steve is a member of the MISMO board of directors and was a 2018 Housingwire Vanguard winner.

    Nancy Alley, Vice President, Strategic Planning, Simplifile

    Nancy brings more than 28 years of financial services and mortgage industry experience to her role as the Vice President of Strategic Planning at Simplifile. She has dedicated her career to driving innovation and leveraging technology in the mortgage industry. Nancy served as a Board of Director of the Mortgage Industry Standards Maintenance Organization (MISMO) from 2016 through 2018, driving adoption of industry standards. Nancy is particularly passionate about “e” adoption, demonstrated by her role of the MISMO eMortgage workgroup from 2014-2016.  As a noted industry thought leader, Nancy has received numerous industry awards. Recently, Nancy was named to Mortgage Professional America’s 2018 Hot 100, recognized by National Mortgage Professional Magazine on its 2018 list of Mortgage Banking’s Most Powerful Women, awarded a “Tech All-Star” by the Mortgage Bankers Association in 2017, and recognized as a “Woman of Influence” by HousingWire Magazine in 2016.

    Tammy Richards, Chief Operating Officer,, LLC

    As Chief Operating Officer, Tammy Richards is responsible for the growth and refinement of loanDepot’s loan production processes including underwriting, processing, funding and closing, as well as quality assurance protocols.  An industry veteran with significant experience in operations, she and her team are continuously seeking opportunities to simplify and improve our consumer-facing loan processes.  Most recently, Tammy and her team unveiled the industry’s first end-to-end digital loan, mello smartloan™. The product of significant investments of time and technology, this industry breakthrough will forever change how customers engage in the mortgage loan process.  Tammy has held senior leadership roles at Wells Fargo, Bank of America and Caliber Home Loans, overseeing the industry’s ongoing tech integration.

    Teresa Blake, Managing Director, KPMG LLP

    Teresa is a true “hand’s on” consultant with over twenty five years of diverse consulting & industry experience. She is a results-focused leader with demonstrated ability to formulate & implement organizational change strategies, process improvements, and technology solutions to satisfy a range of strategic imperatives. She has a proven record of managing large-scale, mission critical initiatives through the entire project lifecycle, including scope management, issue resolution, risk mitigation, and execution.  Teresa led both vendor due diligence to select a new Mortgage Loan Origination System (LOS) and the LOS Planning/Configuration Execution phase of BKFS’ Empower Retail LOS implementation with two large regional lenders.  She led the LOS Implementation of Empower with a large mid-west regional lender and an Empower User Acceptance Testing program with a large investment bank.  She completed an Empower upgrade for a lender in Northern California.  She completed a Point of Sale (POS) & Pricing Engine selection for a Top 5 Canadian Bank.  She has also recently wrapped up Optimization assessment work at a Top 5 International Bank and a LOS Selection for a BPO provider and a growing mortgage bank in Oklahoma

    Erik L. Schmitt, CFA, CPA, Managing Director, Chase Home Lending

    Erik Schmitt is the Product Executive for Chase Home Lending.  In this role, Erik leads product management for the Firm’s originations and servicing businesses to ensure its products meet the needs of customers, while positioning the mortgage business for long-term success.  Previously, Erik led a team responsible for the Firm’s foreclosure prevention and loss mitigation products. In this capacity he worked closely with investors and regulators to influence the future of foreclosure prevention and customer assistance. Erik was also responsible for designing and executing the Firm’s servicing strategy on loan sales and subservicing.  Since joining JPMorgan Chase in 2008, Erik has served in a number of roles throughout the organization.  These include Capital Markets and Finance, primarily focused on strategy, portfolio management and analytics.  Prior to joining JPMorgan Chase, Erik worked as a Senior Trader and Portfolio Manager at Washington Mutual and as a Senior Associate at PricewaterhouseCoopers.  Erik has over 10 years of experience in Capital Markets and Mortgage Banking, has the right to use the CFA designation and is a Certified Public Accountant in New York.

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