MBA Annual

2019 Schedule

Schedule subject to change.

Note: Meeting rooms may change. Please refer to the MBA Events mobile app, available in both the App Store and Google Play, on-site for final locations.

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Monday, October 28, 2019

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

    Location: Level 4,
    Room 17


    Speaker(s)

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

    Nancy Alley, Vice President, Strategic Planning, Simplifile

    Tammy Richards, Chief Operating Officer, loanDepot.com, LLC

    Teresa Blake, Managing Director, KPMG LLP

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

    Breakout Session,

    Innovation and Tech Track

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    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.

    Speaker(s)

    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, loanDepot.com, 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.

  • MARKET OPPORTUNITIES TRACK: Hit the High Notes: Staying Profitable

    Location: Level 4,
    Room 18A


    Speaker(s)

    Marina Walsh, Vice President, Industry Analysis, Mortgage Bankers Association

    Seth Sprague, CMB, Principal, STRATMOR Group

    Suzy Lindblom, Chief Operating Officer, Planet Home Lending

    Rick Bechtel, Executive Vice President and Head of U.S. Residential Lending, TD Bank

    Allison Johnston, Chief Operating Officer, Success Mortgage Partners

    Breakout Session,

    Market Opportunities Track

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    How can lenders harness origination gains, contain costs and optimize resources to ensure long-term financial viability? This session brings together experts who offer solutions, including operating strategies, technology improvements, workflow efficiencies, and approaches to managing personnel, particularly sales staff.

    Speaker(s)

    Marina Walsh, Vice President, Industry Analysis, Mortgage Bankers Association

    Marina Walsh is vice president of industry analysis in MBA's research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She has worked in real estate finance for close to twenty years. Currently, she leads the management and direction for the annual and quarterly Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the Quarterly National Delinquency Survey.  In addition, Walsh conducts specialty workshops, symposiums and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for several conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Introductory and Advanced Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences.  Walsh was named to HousingWire's "2016 Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate.  Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ.

    Seth Sprague, CMB, Principal, STRATMOR Group

    Seth Sprague joined STRATMOR Group as a Principal early in 2019 with more than 20 years of mortgage banking and servicing valuation experience. Seth specializes in mortgage servicing rights (MSRs), servicing, cash flows, liquidity and mortgage profitability strategies.  Prior to joining STRATMOR, Seth served as EVP of Trading & Analytics at PHOENIX, an advisory firm for MSR and whole loan trading, mortgage services and analytics. His primary responsibilities at Phoenix included managing bulk and flow MSR transactions and strategic valuation solutions to meet the needs of PHOENIX clients. Additionally, Seth served as Senior Vice President—Servicing Asset Manager at SunTrust Mortgage for more than 10 years, where he led the servicing rights valuation team.  In 2018, Seth was selected as Secretary of the MBA’s Certified Mortgage Banker (CMB) Society and serves on several committees with the Mortgage Bankers Association (MBA) including the Financial Management Steering Committee, MBA’s Servicing Council for the 21st Century, MBA’s BASEL III and the Servicing Compensation Working Group. Seth is a frequent speaker at various MBA and other industry conferences, often speaking on liquidity and the overall challenges present in the mortgage industry. An instructor with the MBA’s School of Mortgage Banking (SOMB) program since 2007, Seth teaches “Servicing/MSR Day” and is an instructor for the MBA School of Mortgage Servicing. In 2019, Seth taught “The Secondary Market” for NAMMBA (The National Association of Minority Mortgage Bankers of America).

    Suzy Lindblom, Chief Operating Officer, Planet Home Lending

    Planet Home Lending, LLC Chief Operating Officer Suzy Lindblom is known for her ability to develop process efficiencies and identify areas for potential cost savings while keeping customer service levels and loan quality high.  Before joining Planet Home Lending, Lindblom helped grow some of the best-known brands in the mortgage industry, including Stearns Lending, where she was managing director, national fulfillment and operations, leading a multi-billion, multichannel business. During her four decades in the business, she also worked at MetLife Bank, Bank of America, CitiMortgage, GMAC Mortgage Corp. and Countrywide Home Loans.  Recognized by the mortgage industry for her efforts and accomplishments, Lindblom serves on the Board of Directors of NEXT, and has won numerous awards including Progress in Lending 2019 Most Powerful Women in FinTech, HousingWire’s 2019 and 2015 Women of Influence, MPA’s 2017 Elite Women, and was named to the National Diversity Council’s Southern California 2016 Most Powerful & Influential Women list.

    Rick Bechtel, Executive Vice President and Head of U.S. Residential Lending, TD Bank

    Rick Bechtel is Executive Vice President, Head of U.S. Residential Lending for TD Bank. Based in Mount Laurel, NJ, Rick has footprint-wide accountability for all aspects of the Mortgage and Home Equity businesses, including strategy, product and technology development, portfolio and P&L management, capital and secondary markets, Customer experience, and leadership of national sales across the Retail, Correspondent and Consumer Direct channels.  Rick is responsible for driving growth and development of a best-in-class technology platform designed to support all of TD's businesses and channels to drive speed, efficiency and service, while maintaining the bank's risk appetite and unique focus on the Customer.  With 30 years of banking and management experience, Rick is a versatile leader in the residential lending industry with expertise in sales, operations, capital markets, compliance, marketing, technology and product development. He most recently served as Managing Director, Head of Mortgage Banking at CIBC US, a leading Canadian-based global financial institution, where he led the business to win the inaugural Mortgage Bankers Association Diversity & Inclusion Award.  An accomplished executive, Rick has also built and led preeminent sales teams at both Wells Fargo and Chase, with demonstrated success in profitably scaling the business, while capturing significant cross-sell and market share. Rick's strong passion for the Customer, combined with his keen understanding of Store networks, brand, model and culture, position him to drive the growth and profitability of the TD Residential Lending businesses.  He is a well-regarded industry leader, currently serving on the Mortgage Bankers Association Diversity & Inclusion Committee, Ellie Mae's Executive Advisory Board and speaking regularly at national conferences on subjects ranging from M&A and sales strategy to organizational diversity.

    Allison Johnston, Chief Operating Officer, Success Mortgage Partners

    With over 27 years of experience in the mortgage industry, Allison Johnston, Chief Operating Officer of Success Mortgage Partners, understands the industry inside and out, and what it takes to grow a successful company.  Her knowledge of the industry was learned while obtaining her bachelor’s in business management and through hands on experience in management roles throughout mortgage operations. Currently serving as the MIAB as Vice President, former MMLA as State Board President, and current MMLA Ambassador and Membership Committee chair, and TMC Board Member, Johnston is able to bring a fresh perspective and understanding to all facets of the industry.  Since Johnston’s arrival at SMP in 2013, SMP has doubled in size and the company celebrates a 95% retention rate in both sales and operations. Johnston holds an MLO license in each one of the 28 states that Success Mortgage Partners is licensed in.  Next month, Allison is to teach and facilitate her first class through the MBA.

  • POLICY TRACK: Live from Austin: The Future of Doing Business with FHA

    Location: Level 4,
    Room 16


    Speaker(s)

    The Honorable Brian D. Montgomery, Federal Housing Commissioner and Assistant Secretary for Housing, U.S. Department of Housing and Urban Development

    David Chow, Chief Information Officer, U.S. Department of Housing and Urban Development

    Gisele Roget, Deputy Assistant Secretary, Single Family-Housing, Federal Housing Administration, U.S. Department of Housing and Urban Development

    Keith N. Becker, Deputy Assistant Secretary, Risk Management and Regulatory Affairs and Chief Risk Officer, U.S. Department of Housing and Urban Development

    Dror Oppenheimer, Senior Advisor to the Assistant Secretary for Housing – Federal Housing Commissioner, U.S. Department of Housing and Urban Development

    Breakout Session,

    Policy Track

    Read more Read less

    Hear from leaders holding starring roles in FHA’s current transformation. After opening remarks from Assistant Secretary Montgomery, learn how originators, servicers, and others will be able to work more profitably, sustainably, and efficiently with FHA.

    Speaker(s)

    The Honorable Brian D. Montgomery, Federal Housing Commissioner and Assistant Secretary for Housing, U.S. Department of Housing and Urban Development

    Brian D. Montgomery serves as the Assistant Secretary for Housing – Federal Housing Commissioner for HUD. Nominated by President Trump in September 2017, his confirmation marks the first time an individual has served as head of the Federal Housing Administration (FHA) twice, and under three different Administrations.  Mr. Montgomery has also been delegated certain duties of the Deputy Secretary. Through this role he manages the day-to-day operations of the agency and advises and assists the Secretary in leading the Department’s nearly 8,000 employees.  With over 30 years of experience in both the public and private sector, including his first term as Commissioner from 2005 to 2009, Mr. Montgomery brings to HUD a deep knowledge of housing issues and vast experience spearheading large-scale policy initiatives. He is known for his work in reforming the Real Estate Settlement Procedures Act, developing solutions to assist struggling homeowners during the financial crisis, and his leadership of FHA modernization efforts that led to legislation in 2008.  As Federal Housing Commissioner, Montgomery is responsible for the management of FHA’s $1.3 trillion mortgage insurance portfolio, which includes its Single Family, Multifamily, and Health Care programs. As Assistant Secretary for Housing, he also oversees HUD’s project-based Section 8 rental assistance housing program, the Office of Housing Counseling, and HUD’s Manufactured Housing Program.  In addition to his first term as FHA Commissioner, Montgomery’s government experience includes serving as Deputy Assistant to President George W. Bush from 2001 to 2005, including serving as Secretary of the Cabinet from 2003 to 2005, and as a member of the Federal Housing Finance Board and the board of NeighborWorks America. While serving as Secretary to the Cabinet, Montgomery was appointed as the White House primary point of contact for the shuttle Columbia accident investigation in February 2003. For the effort, Montgomery was awarded the NASA Exceptional Service Medal in 2004.

    David Chow, Chief Information Officer, U.S. Department of Housing and Urban Development

    David Chow was sworn in as HUD’s Chief Information Officer (CIO) on Monday, August 20, 2018, coming to the Department with 18 years of government experience, including a decade of executive-level work, in information technology and cybersecurity.  David brings a deep well of IT experience in the Federal government including leadership positions at the National Credit Union Administration, the Federal Deposit Insurance Corporation, and the Federal Highway Administration. During this time, he has played a critical role in IT modernization and solution delivery efforts at the agencies he worked. Fluent in data management, cloud deployment, grant/financial management systems, David is experienced in IT operations, information security policy, and capital planning and organizational enhancement.  As HUD’s CIO, David will oversee a comprehensive technology modernization effort to move beyond some of the Department’s obsolete mainframe technology and into the cloud. In addition, David and his team will continue working with GSA’s Center of Excellence to consolidate HUD’s business applications, with a particular focus on streamlining the Department’s grants process. “I would characterize my leadership style as collaborative, working closely with stakeholders to bring about needed changes.”

    Gisele Roget, Deputy Assistant Secretary, Single Family-Housing, Federal Housing Administration, U.S. Department of Housing and Urban Development

    Gisele Roget is the Deputy Assistant Secretary for Single Family Housing at the Federal Housing Administration. Ms. Roget’s responsibilities include directing and implementing homeownership policy for the nation’s primary mortgage program for moderate income borrowers. In this capacity, Ms. Roget oversees an insurance-in-force portfolio of 8 million loans with an unpaid principal balance of $1.2 trillion. Prior to joining FHA, Ms. Roget held senior roles in the Global Government Relations division of MetLife where she directed legislative and policy strategy for the largest U.S. life insurer. From 2007-2014, Ms. Roget served on the Professional Staff of the Committee on Financial Services, United States House of Representatives where she worked on the development and oversight of key financial services legislation including the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and the Housing and Economic Recovery Act of 2008.

    Keith N. Becker, Deputy Assistant Secretary, Risk Management and Regulatory Affairs and Chief Risk Officer, U.S. Department of Housing and Urban Development

    Keith Becker is the Deputy Assistant Secretary and Chief Risk Officer in the Office of Risk Management and Regulatory Affairs at the Federal Housing Administration (FHA).  He has served in this capacity since November 2018.  In this capacity, he is responsible for implementing a comprehensive risk governance infrastructure that establishes a risk appetite and independently monitors and reports on financial, mortgage credit, counterparty credit, and operational risks that impact the risk profile of the Office of Housing within FHA.  Mr. Becker also develops effective strategies and procedures to mitigate current and emerging risks of FHA’s $1.3 trillion portfolio of single-family and commercial mortgage insurance-in-force.  Mr. Becker is a veteran of more than 35 years in the mortgage industry, spending 26 years at Freddie Mac where he completed his tenure as vice president and chief credit officer in their Single Family division.  In that capacity, he developed and implemented credit, collateral and insurance policies and risk limits, communicated credit and collateral policies and standards to Freddie Mac customers, negotiated credit and collateral business terms to supplement Guide standards, and managed customer credit performance to achieve targeted results.  He graduated from the University of Pittsburgh with majors in both Economics and Business.  Mr. Becker also completed an advanced risk management program at the Wharton School, University of Pennsylvania.

    Dror Oppenheimer, Senior Advisor to the Assistant Secretary for Housing – Federal Housing Commissioner, U.S. Department of Housing and Urban Development

    Dror Oppenheimer joined the U.S. Department of Housing and Urban Development in December 2018 as a Senior Advisor to the Assistant Secretary for Housing – Federal Housing Commissioner.  In this role, he provides expert advice and counsel on the management of the Federal Housing Administration (FHA)’s $1.3 trillion portfolio of mortgages, including asset management strategies, process improvement and technology implementation.  Mr. Oppenheimer brings a wealth of experience to HUD in leading large mortgage operations, including Underwriting, Investor Reporting, Default Servicing Operations, and REO Operations.  After joining Fannie Mae in 1986, he steadily rose to positions of prominence, including Senior Vice President, Default Servicing Operations from 2015 through 2017.Senior Vice President, National Underwriting Center from 2008 to 2015, and Vice President, Asset Development and Management, from 2000 to 2007.  During his tenure at Fannie Mae, Mr. Oppenheimer led major system and process re-design projects resulting in significant operational and customer service improvements.  He also developed and delivered numerous executive presentations to the Board of Directors, senior management, regulators, and external auditors.

  • INNOVATION AND TECH TRACK: Banding Together for the Borrower Experience of the Future

    Location: Level 4,
    Room 16


    Speaker(s)

    Thomas L. Wind, Executive Vice President, Consumer Lending, U.S. Bank

    Timothy J. Mayopoulos, President, Blend

    Henry Cason, Senior Vice President and Head of Digital Products, Fannie Mae

    Breakout Session,

    Innovation and Tech Track

    Read more Read less

    Learn how collaborative solutioning is creating first-of-its-kind capabilities in the mortgage process, with improved borrower experiences and increased transparency with the help of validated data and automated decisioning. Join Blend President Tim Mayopoulos, U.S. Bank EVP Tom Wind, and Fannie Mae SVP and Head of Digital Products Henry Cason for a discussion on partnership tips and best practices, aligning on vision and strategy, and testing and implementing new solutions to drive widespread adoption of revolutionary solutions. The speakers will also outline the path lenders can take to realize business value and consumer delight as we continue to build better experiences.

    Speaker(s)

    Thomas L. Wind, Executive Vice President, Consumer Lending, U.S. Bank

    Tom Wind serves as an executive vice president at U.S. Bank where he leads the company’s Consumer Lending organization, which includes its Home Mortgage, Direct Lending, Warehouse Lending and Dealer Services lines of business. He was appointed to this role in January 2019.  Providing nationwide lending of mortgage and auto loans, Consumer Lending businesses funded over $57 billion in 2019.  Prior to his current role, Tom served as president of U.S. Bank Home Mortgage since he joined U.S. Bank in January 2016. He is a 25-year veteran of consumer lending and has held executive leadership roles at EverBank Financial Corporation, Lehman Brothers, JP Morgan Chase and Citi.  He is a member of the board of directors of the Grace Hill Settlement House, and is serving as chairman of the Housing Policy Council, a non-profit organization working to promote the interests of members of the mortgage and housing marketplace industries.

    Timothy J. Mayopoulos, President, Blend

    Tim Mayopoulos is the President of Blend, a Silicon Valley technology company propelling the $40 trillion consumer banking industry into the digital age through partnerships with banks, lenders, and other technology providers. Before joining Blend in 2019, Tim served as President and CEO of Fannie Mae for more than six years. Under his leadership, the company returned to sustained profitability, delivered more than $167 billion in dividends to taxpayers, and introduced new technologies to the housing finance system to make mortgage lending faster, safer and more transparent.  Tim has had a long career in financial services. He served as the General Counsel of Bank of America for five years, and held senior roles at Deutsche Bank, Credit Suisse First Boston, and Donaldson, Lufkin & Jenrette. Tim serves on the boards of directors of LendingClub, the largest online marketplace lender, and SAIC, a technology integrator for the civilian, defense and national security agencies of the federal government.

    Henry Cason, Senior Vice President and Head of Digital Products, Fannie Mae

    Henry Cason is Fannie Mae’s Senior Vice President and Head of Digital Products, reporting to the Executive Vice President – Single-Family Business. Cason oversees the design, development, and launch of Single-Family’s digital products and services across the residential mortgage loan life cycle. He is also responsible for fostering the integration of Fannie Mae’s technology and business infrastructure with that of its customers, enabling them to grow and create value in the marketplace.  Cason leads the integration of Single-Family product development in mortgage origination and underwriting, loan acquisitions, conduit and capital markets business, and servicing and asset management portfolios. In this role, he aligns information technology with business priorities, and leads digital transformation of the company’s offerings in the marketplace to drive deep and lasting customer relationships.  Prior to his current position, Cason served as Fannie Mae’s Chief Data Officer, overseeing the direction of transformation, governance, and consolidation of data across the company’s technology and ensuring delivery of business value for all data-related investments. He provided strategic direction for the company’s data initiatives, managed and modernized existing warehouses, advanced business intelligence and analytics capabilities, established and managed data innovation practices, and served as a clearing house for external data acquisitions while driving industry standards.  Cason joined Fannie Mae in 1993 as a Technology Analyst in the eBusiness Division. Prior to that, he served as an analyst for MCI, Sprint International, and Computer Sciences Corporation.

  • MARKET OPPORTUNITIES TRACK: Don’t Miss a Beat – Win the Purchase Conversion Game in 2020

    Location: Level 4,
    Room 17


    Speaker(s)

    Joe Welu, Founder and Chief Executive Officer, Total Expert

    Patricia Arvielo, Co-Founder and President, New American Funding

    Julian Hebron, Founder, The Basis Point

    Josh Lehr, Industry Development Manager, Mortech, a Zillow Group

    Breakout Session,

    Market Opportunities Track

    Read more Read less

    This year taught us that customer acquisition is just the tip of the iceberg in terms of success in the purchase market. Today’s always-online customers are picked off constantly even after pre-approval. This can’t-miss session with top customer acquisition and conversion leaders will teach you how to protect and grow your purchase market share and develop strong customer relationship management practices for your target markets.

    Speaker(s)

    Joe Welu, Founder and Chief Executive Officer, Total Expert

    Joe Welu is the Founder and CEO of Total Expert, which he started in 2012 in the basement of a real estate office. Fast forward to 2019 and Total Expert is backed by some of the leading venture capital firms in Silicon Valley and has been named the fastest growing software company in the Midwest by the Inc. 500. Prior to starting Total Expert in 2012, Joe co-founded and led one of the top-selling real estate teams in the U.S., achieving over $1 billion in sales volume.

    Patricia Arvielo, Co-Founder and President, New American Funding

    Patty is an award-winning entrepreneur and the co-founder/President of New American Funding. A first-generation Latina, she leverages more than 36 years of experience in the mortgage industry to lead the company’s sales and operations efforts. In addition, Patty created the company’s Latino Focus and New American Dream initiatives to improve the home lending experiences for Latino and African-American homebuyers. Patty is also a popular keynote speaker for mortgage events across the nation. She is on numerous committees, including for the National Association of Hispanic Real Estate Professionals (NAHREP) and the Housing Counseling Federal Advisory Committee (HCFAC). She frequently visits Washington, D.C. to lobby for the industry and homeowners. Ernst & Young recognized Patty as 2016 EY Entrepreneur of The Year® Orange County.

    Julian Hebron, Founder, The Basis Point

    Julian Hebron is founder of The Basis Point, a sales & strategy consultancy for finance & real estate companies, and a financial media brand for consumers. Over the last 20 years, he's served in executive sales and marketing roles at UBS, Wells Fargo, loanDepot, and LendUS (formerly RPM Mortgage). Julian is known for bringing clear thinking and modern strategies to help companies maximize technology impact, elevate salespeople, and lead the way in this disruptive era.

    Josh Lehr, Industry Development Manager, Mortech, a Zillow Group

    As the Industry Development Manager at Mortech, Mr. Lehr evaluates and oversees relationships with mortgage technology partners for Mortech and Zillow Group. For the past 5 years, Josh has been involved in many phases of the Mortech business including API implementations, compliance, product management and opportunity assessment. Prior to joining  Mortech, Josh worked as a developer and project manager for a top 10 Visa card issuer working to implement new hardware and software solutions such as SMS messaging, CRM, IVR, and credit approval automation.

     

  • POLICY TRACK: What's Trending in Enforcement

    Location: Level 4,
    Room 18A


    Speaker(s)

    Mitchel H. Kider, Managing Partner, Weiner Brodsky Kider PC

    Michelle L. Rogers, Partner, Buckley LLP

    Peter Macdonald, Executive Vice President and General Counsel, loanDepot.com LLC

    Breakout Session,

    Policy Track

    Read more Read less

    An expert panel brings you up to date on key federal and state enforcement trends and what can be expected in the election year to come and afterwards, and how lenders are likely to be affected.

    Speaker(s)

    Mitchel H. Kider, Managing Partner, Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers.  Mitch represents banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters.  He defends clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices.  Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups.  He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association.  Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject.  His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2018) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

    Michelle L. Rogers, Partner, Buckley LLP

    Michelle L. Rogers represents institutions in a wide range of litigation matters, including government enforcement actions, class action litigation, regulatory examinations, and internal investigations.
    A Partner in the Washington, D.C., office of Buckley LLP, Ms. Rogers has represented clients in matters involving the Department of Justice (DOJ); the Consumer Financial Protection Bureau (CFPB); federal and state bank regulators; the Department of Housing and Urban Development (HUD); the Department of Veteran Affairs (VA); the Federal Housing Finance Agency (FHFA); the Government National Mortgage Association (Ginnie Mae); and state attorneys general, and in cases involving the False Claims Act (FCA); Program Fraud Civil Remedies Act (PFCRA); Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA); Truth in Lending Act (TILA); Fair Housing Act (FHAct); Equal Credit Opportunity Act (ECOA); Civil Rights Act; Community Reinvestment Act (CRA); and unfair, deceptive, or abusive acts or practices (UDAP and UDAAP) statutes under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 5 of the Federal Trade Commission (FTC) Act, and various state laws. She also has extensive experience managing complex discovery and production issues, including using advanced analytics.

    Peter Macdonald, Executive Vice President and General Counsel, loanDepot.com LLC

    Peter Macdonald serves as Executive Vice President, General Counsel for loanDepot. In this role, Macdonald oversees all legal, regulatory, licensing, compliance and litigation matters for the Company, ensuring that loanDepot develops and maintains the necessary oversight and protection to exceptionally serve its customers, employees and investors. Macdonald is looked at as an industry leader in the areas of litigation, CFPB readiness and borrower, investor, and federal & state agency strategic communication. His foresight and execution of best-in-class corporate governance practices has helped provide the foundation to fuel loanDepot’s dramatic year-over-year growth.  Macdonald has experience in the execution of acquisitions, as well as in organizational restructuring, both inside and outside the lending industry. Before joining loanDepot, Macdonald served as Vice President and Secretary, General Counsel for Home Loan Center and Lending Tree Loans. Macdonald also gained wide respect for his past work as a prosecutor while Deputy City Attorney for the City of Anaheim.

Tuesday, October 29, 2019

  • INNOVATION AND TECH TRACK: Hiring Mr. Roboto

    Location: Level 4,
    Room 16


    Speaker(s)

    William S. (Bill) Packer, Executive Vice President and Chief Operating Officer, American Financial Resources Inc.

    Gabe Minton, Executive Vice President and CIO, Guild Mortgage Company

    Roy Wittig, Vice President, Product and Strategy, Sourcepoint, Inc.

    Breakout Session,

    Innovation and Tech Track

    Read more Read less

    This session gives an overview of robotic process automation (RPA) and what it really means in mortgage lending.  A little tech talk and a lot of practical application, this session illustrates the value lenders of all sizes and models are getting by utilizing different levels of RPA in production, QC and compliance functions. Learn how to get started or expand your use.

    Speaker(s)

    William S. (Bill) Packer, Executive Vice President and Chief Operating Officer, American Financial Resources Inc.

    Bill is a partner of American Financial Resources, (www.afrcorp.com), where he serves as the firm’s Chief Operating Officer responsible for Operations, Technology, Project Management, New Product Development and Marketing.  Bill also serves as the Executive Vice President for AFR’s Technology Services division (Lendersoft, www.lendersoft.com).  Prior to joining AFR, Bill held leadership positions at Bank of America most recently as the Senior Vice President, Application Programming Executive in Bank of America’s Home Loans technology organization where he supported both first mortgage and Home Equity business’.  Bill is currently an advisory board member for Rutgers University Customer Experience program.   Bill is the secretary and board member for his condo association.  Amongst several other philanthropic endeavors, Bill is a lead diver, educator and mentor of the New York Aquarium’s volunteer scuba diving team.  Bill holds an MBA in Finance, a BA in Economics, has been a certified project manager (PMP) since 1998 and also earned the GSEC designation from the SANS institute in 2002.  In his leisure time, having recently successfully completed his PADI Dive Master he is now working on earning his DSD designation.

    Gabe Minton, Executive Vice President and CIO, Guild Mortgage Company

    Gabe Minton joined Guild Mortgage in 2017 and leads its growing technology and information strategy, positioning the company for future growth. This includes overseeing Guild’s core business systems, architecture, infrastructure, and product and services technology. Mr. Minton and his team are also responsible for developing next generation platforms and services to continue to enhance Guild’s customer experience and maximize operational efficiencies.  Mr. Minton has more than 25 years of experience in leadership roles with mortgage and technology companies in a variety of settings. He specializes in creating software systems, products and standards and has been responsible for strategy and execution, communications and vendor relations throughout his career.  Prior to joining Guild, he served as senior vice president and chief information officer at PHH Mortgage from 2014 to 2017, where he transformed the information technology division to meet growing regulatory and customer needs for the largest banks.  Mr. Minton also served in senior management, strategy and technology positions with Black Knight’s ServiceLink, Motivity Solutions, Accenture Mortgage Cadence and the Mortgage Bankers Association. He was one of the leading architects and founding members of MISMO, the Mortgage Industry Standards Maintenance Organization (a subsidiary of the MBA).

    Roy Wittig, Vice President, Product and Strategy, Sourcepoint, Inc.

    Roy Wittig leads Product & Strategy at Sourcepoint, a premier provider of productized solutions to the mortgage industry.  Roy is responsible for Marketing, Solutions Architecture, M&A and Product, which includes developing products and services to support digital transformation for Sourcepoint’s lending and servicing clients.  With nearly two decades on the frontlines of the real estate, mortgage and title verticals, Roy has been instrumental in developing and launching new product initiatives for several organizations, leading the charge on automating production, streamlining workflows and mitigating risk.  Roy is focused on leveraging the opportunities technologies such as RPA and AI present in reducing operating costs and accelerating cycle times for lenders and servicers, while enhancing the borrower experience.  Prior to joining Sourcepoint, Roy held leadership roles at Black Knight Data & Analytics and Fidelity National Financial. 

  • MARKET OPPORTUNITIES TRACK: Where are the Homes? Send in the Homes!

    Location: Level 4,
    Room 17


    Speaker(s)

    Jonathan Lawless, Vice President, Single-Family Product Development and Affordable Housing, Fannie Mae

    Dr. Frank Nothaft, Chief Economist, CoreLogic

    Danny Gardner, Senior Vice President, Single-Family Affordable Lending and Access to Credit, Freddie Mac

    Evan Loomis, Co-Founder, ICON

    Breakout Session,

    Market Opportunities Track

    Read more Read less

    Despite historically low unemployment and interest rates, the number of new single-family housing starts remains lower than it was in the early 1960’s  – when the US population was only half what it is today. Solving today’s affordable housing shortage is key to providing homeownership opportunities to firsttime and low- to moderate-income homebuyers. This panel explores the reasons for our current shortage, the consequences of the shortage for lenders, and innovative homebuilding solutions to provide more affordable housing stock.

    Speaker(s)

    Jonathan Lawless, Vice President, Single-Family Product Development and Affordable Housing, Fannie Mae

    Jonathan Lawless is Fannie Mae’s Product Development and Affordable Housing Vice President. He oversees innovative programs and creative solutions that expand access to mortgage credit and affordable housing, address changing market needs, and help lenders and servicers better serve their borrowers.  Lawless led the development of Fannie Mae’s flagship affordability product, HomeReady®, and designed and implemented several programs to address key housing issues through industry partnerships. Prior to his current role, he served as Underwriting and Pricing Analytics Vice President and has contributed to many teams since joining Fannie Mae in 2000.  Previously, Lawless also has worked with 2Seeds Network, a non-profit group involved in agricultural development in East Africa. “We all deserve a safe place to call home that’s uniquely ours.” – Jonathan Lawless, 2017

    Dr. Frank Nothaft, Chief Economist, CoreLogic

    Dr. Frank Nothaft is chief economist for CoreLogic, America’s largest provider of advanced property and ownership information, analytics and data-enabled services. He leads the economics team responsible for analysis, commentary and forecasting in global real estate, insurance and mortgage markets.  Before joining CoreLogic Frank served in a variety of leadership positions at Freddie Mac including Vice President and Chief Economist. Prior to Freddie Mac, Frank was an economist with the Board of Governors of the Federal Reserve System in the mortgage and consumer finance section and served as assistant to Governor Henry C. Wallich.  Frank received the National Association for Business Economics (NABE) Outlook Award as recognition for having the most accurate macroeconomic forecast for 2018 and is a NABE Certified Business Economist.

    Danny Gardner, Senior Vice President, Single-Family Affordable Lending and Access to Credit, Freddie Mac

    Danny Gardner leads Freddie Mac’s Single-Family Affordable Lending and Access to Credit business. He is a member of the Single-Family Senior Management team, reporting directly to Executive Vice President Dave Lowman.   Mr. Gardner is primarily responsible for fulfilling Freddie Mac’s community mission to provide sustainable homeownership education and financing to families who are traditionally underserved by the market.  He is also responsible for overseeing Freddie Mac’s delivery and performance against Single-Family Affordable Lending’s goals, Duty to Serve regulation and Access to Credit activities in the FHFA Scorecard.  He and his team support our clients by partnering with the Sales team to educate clients on the availability and use of our affordable-related products and programs, including the Home Possible® suite of mortgage products and our CreditSmart Financial Literacy Program. He also leads our engagement with state and local housing finance agencies, diverse and inclusive realtor associations and national and local community development organizations, to establish partnerships and programs that create successful homeowners.   With Freddie Mac since 2015, Mr. Gardner brings over 25 years of mortgage banking experience. He has spent most of his career in leadership roles focused on providing opportunities for families to buy their first homes. As leader of CRA Lending for the mortgage businesses of Citibank and Capital One and chief operating officer of the National Community Stabilization Trust, he helped municipalities and nonprofit organizations reclaim neighborhoods devastated by the foreclosure crisis.  He’s also spent a large part of his career working with state and local housing finance agencies by serving as program administrator and master loan servicer for first-time homebuyer programs.

    Evan Loomis, Co-Founder, ICON

    Evan Loomis has been a successful entrepreneur for more than 15 years and most recently co-founded the Austin-based startup, ICON,  the construction technologies company leading the way into the future of human shelter and homebuilding using 3D printing and other scientific and technological breakthroughs. In 2018, ICON delivered the first 3D-printed home to receive a building permit in the U.S. and closed a seed round of $9M that included investments from Silicon Valley heavyweights, a renowned international developer and America’s largest homebuilder among others.  Evan began his career as an Investment Banker on Wall Street. From there, he co-founded Wedgwood Circle, an angel investment group with a focus on the media and entertainment sectors. In 2010, he co-founded TreeHouse, the eco-friendly Home Upgrade Company disrupting the field of home improvement.  In 2017, Evan launched a holding company called Saturn Five with the mission of building companies that matter. Unlike traditional VC firms, Saturn Five designs and launches companies from scratch, working hands-on in the early stages to launch and scale companies.  Evan is a start-up mentor at Techstars Austin, SKU and Praxis. He is the co-author of Get Backed from Harvard Business Press (2015) and Elon Musk: This Book Is About Rockets! (2017).

  • POLICY TRACK: It’s Not Improv – Changes to QM Lending

    Location: Level 4,
    Room 18A


    Speaker(s)

    Matthew Tomiak, Managing Director, Redwood Trust Inc.

    Michael D. Calhoun, President, Center for Responsible Lending

    Teresa Whitehead, Chief Executive Officer, Citywide Home Loans/CHL Mortgage

    Tawn Kelley, President, Financial Services, Taylor Morrison

    Breakout Session,

    Policy Track

    Read more Read less

    Reforms to the Qualified Mortgage standard will have substantial effects on all segments of the market. In this session, hear from experts on how policymakers’ choices on this critical issue will impact not only the GSEs, but also government, conventional and private markets. Leave with new perspectives to help your company prepare for the changes ahead.

    Speaker(s)

    Matthew Tomiak, Managing Director, Redwood Trust Inc.

    Matthew J. Tomiak is currently a Managing Director, employed by Redwood Trust since February 2014. Prior to joining Redwood, Mr. Tomiak was a Senior Vice President at Bank of America where he focused on mortgage liquidity and financing alternatives. Previously, Mr. Tomiak was a founding member of 12th Street Capital, LLC, a broker dealer which eventually became a division of GFI Group Inc. and a Senior Vice President at Countrywide Securities Corporation where he was responsible for RMBS issuance. Mr. Tomiak began his career as an attorney at Sidley Austin Brown & Wood.

    Michael D. Calhoun, President, Center for Responsible Lending

    Michael Calhoun is President of the Center for Responsible Lending, which is the policy affiliate of Self-Help, the nation’s largest community development lender that has provided over $6.4 billion in financing for first-time homeowner loans and small business loans.  The Center for Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer lending issues.   Mr. Calhoun has been an active participant in consumer financial legislation and regulation, and he has more than thirty years experience in consumer lending. He has authored numerous papers on the subject and has testified often before Congress and many state legislatures.  Prior to joining CRL, he led several lending divisions at Self-Help, including the secondary mortgage market program.   He is a former member and chair of the Federal Reserve Consumer Advisory Committee.

    Teresa Whitehead, Chief Executive Officer, Citywide Home Loans/CHL Mortgage

    Since joining Citywide Home Loans in 2009, Teresa's unsurpassed leadership ability has driven progression throughout the company,and the mortgage industry as a whole. Citywide,with Teresa at the helm, has managed to navigate through a slew of regulatory changes without losing sight of what matters most, the homeowners. Teresa has worked in the financial services sector for over 30 years, but found a passion for mortgages about 20 years ago. Ac.cording to Teresa,there is nothing quite as rewarding as being a trusted advisor for individuals making the largest financial commitment of their lives.  Since joining Citywide Home Loans in 2009 Teresa's unsurpassed leadership ability has driven progression throughout the company, and the mortgage industry as a whole. Citywide, with Teresa at the helm, has managed to navigate through a slew of regulatory changes without losing sight of what matters most, the homeowners. Teresa has worked in the financial services sector for over 30 years, but found a passion for mortgages about 20 years ago. According to Teresa, there is nothing quite as rewarding as being a trusted advisor for individuals making the largest financial commitment of their lives.   Teresa has a thorough knowledge of all aspects of manufacturing a loan, and has an uncanny ability to structure the most complicated transactions. This dedication to challenges and doing right by borrowers, has given rise to a client-centric culture at Citywide. This culture, dubbed Citywide's is very attractive to highly skilled sales people and innovative operations personnel, giving rise to the company's impressive growth. In 2009,at the height of the financial  meltdown, Teresa knew that the mortgage industry was about to undergo a major overhaul, but that Citywide would weather this storm because of its focus on driven employees and borrowers' best interests.  Many key players in the mortgage industry were shirking away from the hefty responsibility of creating clear direction and adequate oversight, but Teresa accepted the challenge, and has effectively implemented compliance measures to protect the industry and Citywide's clientele. Throughout this period of massive overhaul amongst all regulatory bodies, Teresa managed to turn Citywide into a mainstay throughout the western United States, with operations in 11states.  Teresa has a passion for recruiting highly skilled sales people and innovative operations personnel, without diluting Citywide's in the process.  Teresa was a founding member, and the Secretary/Treasurer, of the Utah Mortgage Bankers Association. She served as a member of the CFPB panel on the impact of Dodd-Frank, and is currently the Vice Chair of the MBA State Legislative and Regulatory Committee.

    Tawn Kelley, President, Financial Services, Taylor Morrison

    Over 30 years dedicated to financing families purchasing a newly built home, Tawn has established the importance of mortgage to the success of production homebuilders.  Distinguishing the benefits of mortgage as a sales tool to sell homes; as EVP of Taylor Morrison and president of Taylor Morrison Home Funding, Tawn contributes to the overall success of Taylor Morrison.  Currently, the 6th largest public homebuilder in the U.S, the leadership took the company public in 2013 and has grown through acquisitions of 5 homebuilders and integrating financial services.  Tawn joined Taylor Morrison in 2009 after Taylor Morrison acquired her management company, Mortgage Funding Direct Ventures; a company that partners with homebuilders: Mattamy Homes and Neal Communities.  These builders leverage the same benefits, expertise and quality reputation in their joint venture mortgage companies.  In 2015, she established Inspired Title Services to further support the needs of financial services for Taylor Morrison. Taylor Morrison Home Funding provides mortgage services in 8 states, 19 markets.

  • INNOVATION AND TECH TRACK: Perfect Harmony: Protecting Personal Information

    Location: Level 4,
    Room 18A


    Speaker(s)

    Courtenay R. Dunn, Counsel, MERSCORP Holdings, Inc.

    Faith Schwartz, Acting President, Housing Finance Strategies, LLC

    Nicole Booth, Vice President, Public Policy, Quicken Loans, Inc.

    Louann Bernstone, Managing Director and Head of Vendor Management, Promontory Fulfillment Services LLC

    Breakout Session,

    Innovation and Tech Track

    Read more Read less

    Following the enactment of California’s Consumer Privacy Act, legislation surrounding consumer data privacy has gained traction on both the state and federal levels. Consumer access and “the what and how” behind data protection is seeing significant changes. Join a discussion on what you need to know about protecting your customer’s information, and what to expect as bipartisan efforts in Congress begin addressing this issue.

    Speaker(s)

    Courtenay R. Dunn, Counsel, MERSCORP Holdings, Inc.

    Courtenay R. Dunn is Counsel for MERSCORP Holdings, Inc., where she is responsible for the company’s government relations, and is also the Assistant Secretary for ICE Mortgage Services and Associate Secretary for MERS. Courtenay has been in the mortgage finance industry for over 12 years. Prior to joining MERSCORP, Courtenay worked at a firm in Philadelphia, including throughout the time of the financial crisis, handling all aspects of mortgage finance litigation. Courtenay is known for her expertise on legislative affairs and litigation, particularly on the stateside, as well as corporate law and governance, and has been recognized nationally for her history of bar and public service.

    Faith Schwartz, Acting President, Housing Finance Strategies, LLC

    Faith Schwartz created an advisory services firm in 2016 to support on-going efforts to modernize the housing finance marketplace, bringing mortgage into the 21st century. Her work ranges from advisory committees, board membership, and leadership roles in growing organizations. Her clients include publicly traded financial services firms, trade associations, fintech’s, and non-profits.  In 2018 through April, 2019, Faith served as the Acting President of Fintech company FormFree to support their growth and scale to get to the next level.  Today she serves on the board and as an Executive Advisor to FormFree, a leading asset, income and employment verification services company that is transforming and streamlining lending.  She draws from her 30 plus years of leadership in all aspects of the mortgage industry.  In 2019, she teamed up with the NEXT organization and will co-host a DC inaugural conference 11/18-19 for Women in leadership, technology and housing policy to drive content to women in housing finance.   Faith led the HOPE NOW Alliance from 2007 through 2012.  She convened the Banks, Mortgage lenders, Investors, Non-Profits, US Treasury, and Government agencies to coordinate a response to the housing crisis and mitigate foreclosures.  This Alliance was created at the request of the Bush Administration and Secretary Paulson who asked the industry to lead change out of the historic housing crisis. HOPE NOW prevented over 8 million foreclosures and met borrowers in their communities along with the loan servicers and nonprofit housing counselors.  HOPE NOW collected industry data and created a public data metrics report that informed the Congress, public and consumers around progress that was made to prevent foreclosures.  Faith testified to Congress several times throughout the housing crisis.  Faith Schwartz current Board Activity, 2019Gateway First Bank, RiskSpan, Inc, FormFree, and Class Valuation.  In 2018 Faith joined the advisory board of FundingShield LLC, a fintech firm focused on fraud prevention for wire transfers on behalf of consumers, banks and title companies.  Faith was the Founder and Chairman of Hope LoanPort, 2010, the only 501(c)3 industry technology non-profit and recently stepped down after servicing on the board for eight years and as Chairman.  She is a member of Women in Housing Finance, DC where she held the role of President of the organization.  Faith held leadership roles in many aspects of the mortgage industry to include TMC mortgage, CoreLogic, Freddie Mac, Option One, and Fieldstone.  She started her career at Dominion Bancshares Mortgage Company (DBMC) as VP Capital Markets and wholesale lending, pricing, acquiring and securitizing mortgages where she worked for the first decade of her career. Faith received the Housing Wire Vanguard award in 2018 and was recognized as one of Mortgage Banking’s most powerful women from National Mortgage Magazine 2018.  Other awards include Housing Wire’s Women of Influence in 2012 and a lifetime achievement award from the Five Star Institute. 

    Nicole Booth, Vice President, Public Policy, Quicken Loans, Inc.

    Nicole Booth serves as Vice President of Public Policy at Quicken Loans, the nation’s largest online home loan lender.  Nicole advocates for the company’s government agenda through regulatory and legislative activities and focuses on fintech related business and policy issues, such as eClosing, client communications and data protection.  She joined the Quicken Loans Family in August 2012 and has the honor of leading the QL 50 State Branch of the Government Affairs Team.  Prior to Quicken Loans, Nicole was a member of the K&L Gates Public Policy and Law Practice in Washington, D.C., where she worked on financial services, higher education and the State of Michigan policy issues.  Nicole also spent time on Capitol Hill working on legislative issues in the personal office of former Ways and Means Committee Chairman Dave Camp and former New Hampshire Congressman Jeb Bradley.  Nicole was recently awarded the Five Star Institute Rising Business Leader Award and named one of the Michigan Mortgage Lenders Association’s 2019 Rising Star Award honorees and Women in Housing & Finance’s 2019 40 under 40, which honors professionals with demonstrated success in housing or financial services while promoting diversity and inclusion in their career and volunteer efforts.                         

     

    Louann Bernstone, Managing Director and Head of Vendor Management, Promontory Fulfillment Services LLC

    Louann Bernstone is Managing Director, Head of Vendor Management at Promontory Fulfillment Services, a company that offers a digital POS and end to end loan servicing.  Bernstone has decades of experience in the technology, enterprise vendor management and risk management space. She was formally a Business Control executive at Bank of America managing the first line of defense risk for the Consumer Line of Technology and also a SVP of Risk Compliance and Governance at HLP a nonprofit 501c3 that helped distressed homeowners stay in their homes.  Bernstone also worked as Head of Risk and Compliance for FormFree Holdings Corporation an asset aggregator with over 1.5 million consumer customers, 100 integrations and 500 client contracts.  In that role she oversaw vendor management, exam management, and GSE relationships for the company. She successfully lead the company through their first SOC and GSE exams and multiple bank exams.

  • MARKET OPPORTUNITIES TRACK: Fan Favorite: Experts Answer Your Questions on M&A

    Location: Level 4,
    Room 17


    Speaker(s)

    Lauren Pryor, Partner, Mayer Brown LLP

    Michael P. Patterson, Chief Operating Officer, Freedom Mortgage Corporation

    Stephen Curry, Chief Executive Officer, Gateway First Bank, LLC / Gateway Mortgage

    Robert Losquadro, Senior Vice President, Houlihan Lokey

    Breakout Session,

    Market Opportunities Track

    Read more Read less

    You and your executive management may or may not want to sell your company or its assets but you certainly want to understand its marketability. Likewise, there are many things to consider before you sell or acquire a company, including compatibility of the culture and leadership on both sides. Back by popular demand, this session offers advice on ways to smoothly merge operations and ensure a successful M&A transaction for sellers, buyers, regulators and other stakeholders.

    Speaker(s)

    Lauren Pryor, Partner, Mayer Brown LLP

    Lauren Pryor is a partner at Mayer Brown LLP and co-head of the Financial Institutions M&A group.  Lauren focuses her practice on counseling clients in M&A, corporate and business transactional matters in the financial services industry, including advising publicly held and private companies involved in mergers, acquisitions and divestitures and transfers of assets in the mortgage space.  Lauren frequently represents mortgage originators and servicers in equity and asset transactions, joint ventures and mortgage servicing rights deals.  Lauren was recognized by HousingWire magazine in June 2019 as a HousingWire Rising Star among leaders and innovators in the mortgage industry.

    Michael P. Patterson, Chief Operating Officer, Freedom Mortgage Corporation

    Mike Patterson began his career in the mortgage industry in 2000 at Irwin Mortgage Corporation based in Fishers, Indiana. In 2006, Freedom Mortgage acquired Irwin Mortgage Corporation, and Mr. Patterson joined the Freedom Mortgage team. Mr. Patterson quickly flourished at Freedom Mortgage and was promoted to Vice President of Finance in 2008. He was promoted again to Senior Vice President in 2013.  In 2014, Mr. Patterson was named Executive Vice President and later in that same year, Chief of Staff.  In 2019, Mr. Patterson was promoted to Chief Operating Officer of Freedom Mortgage.  Over the course of his career, Mr. Patterson has established himself as a top-level executive, both financially and from an operations perspective. He takes pride in his ability to bridge the gap between upper and middle management through his extensive industry knowledge and financial background.  His acute understanding of market trends has been instrumental in the company’s ability to strategically plan for financial agility. Mr. Patterson is an active member in the MBA Residential Loan Committee and Secondary Capital Markets Committee.   In his current position, Chief Operating Officer, Mr. Patterson reports directly to Stanley C. Middleman, President and CEO of Freedom Mortgage, and oversees twelve support service teams including Mergers and Acquisitions, Capital Markets, Finance, Investor Relations and Public Relations.

    Stephen Curry, Chief Executive Officer, Gateway First Bank, LLC / Gateway Mortgage

    Stephen Curry joined Gateway as CEO in August of 2018. Curry has over 30 years of experience in financial services, having started his career at Republic Bank Texas in 1986. He served in leadership roles at NCNB, NationsBank, and Bank of America in Finance, Operations, Global Corporate and Investment Banking, Strategic Planning and Mergers and Acquisitions. After leaving Bank of America in 2008, Curry returned to his hometown of Tulsa, Oklahoma, to build a banking advisory business, Everett Advisory Partners, which provided regional and community banks M&A, capital raising, regulatory, risk management, operations, and IT solutions. Curry sold Everett in 2018 to join Gateway as CEO, where is leading the transformation of Gateway into a full-service digital bank and expanding the firm to become a top 25 mortgage bank.  Curry has extensive M&A experience, having successfully completed and integrated over 120 transactions during his career.

    Robert Losquadro, Senior Vice President, Houlihan Lokey

    Robert Losquadro is a senior member of Houlihan Lokey’s Financial Institutions Group. He specializes in advising financial services companies on M&A, capital raising and other strategic advisory engagements.  He has extensive experience working with specialty finance companies, with a specific focus on the residential real estate and mortgage sector. For over ten years, Robert has advised on M&A transactions, capital markets, and financial restructuring engagements involving mortgage companies ranging from publicly traded companies to founder-owned, private businesses.  Previously, Robert was at Milestone Advisors in Washington, D.C. where he focused on specialty finance and mortgage finance M&A and capital raising.  Prior to joining Milestone, he focused on distressed debt acquisitions and turnaround situations for the Denver-based investment firm, Republic Financial Corporation.

  • POLICY TRACK: Fast Tempo: Trending Policy Topics

    Location: Level 4,
    Room 16


    Speaker(s)

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services Inc.

    John Haring, Director, Product Management, Ellie Mae, Inc.

    Jeffrey P. Grogin, Senior Managing Director and Chief Enterprise Operations Officer, PennyMac Financial Services, Inc.

    David Battany, Executive Vice President, Capital Markets, Guild Mortgage Company

    Lora McCray, Director, Office of Minority and Women Inclusion, Consumer Financial Protection Bureau

    Breakout Session,

    Policy Track

    Read more Read less

    This session is reserved for a series of rapid-fire presentations of the day’s hottest policy issues including the  URLA, the latest thinking on GSE reform, the CFPB’s diversity standards, plus any other breaking news.

    Speaker(s)

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in the mortgage industry. He is the President of Firstline Compliance, a consulting company specializing in mortgage compliance and technology; and also, the Executive Vice President of Compliance for First Choice Loan Services Inc.  He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the immediate past Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine.  Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    John Haring, Director, Product Management, Ellie Mae, Inc.

    John Haring serves as Director of Product Management for Ellie Mae®, the leading cloud-based platform provider for the mortgage finance industry, where he drives the strategy and operations for the Encompass® Digital Mortgage Solution. Previously, John directed Ellie Mae’s Compliance Enablement group leading the efforts to implement regulatory changes across the Ellie Mae ecosystem. Throughout his career he has helped banks, lenders and brokers implement significant regulatory changes that impact the mortgage industry.

    Jeffrey P. Grogin, Senior Managing Director and Chief Enterprise Operations Officer, PennyMac Financial Services, Inc.

    Jeff Grogin helped create PennyMac in 2008. The PennyMac family of companies includes two NYSE-listed companies (PFSI and PMT) operating primarily in three business segments: loan production, loan servicing, and investment management. Mr. Grogin presently serves as a Senior Managing Director and Chief Enterprise Officer for both companies and oversees these teams: legal, licensing, regulatory relations, administration, facilities, corporate training, communications, strategic planning, culture, project management, internal consulting, and human resources. Since its inception in 2008, Mr. Grogin has also served on the Board of Directors of PennyMac's mortgage banking subsidiary, PennyMac Loan Services, LLC. Prior to PennyMac, he was in private legal practice first at Gibson, Dunn & Crutcher, LLP then Samaha Grogin, LLP focused on real estate, mergers and acquisitions, securities, intellectual property, and mortgage banking law.

    David Battany, Executive Vice President, Capital Markets, Guild Mortgage Company

    Mr. Battany is the Executive Vice President of Capital Markets for Guild Mortgage Company.    He oversees the firm’s capital market activities, including pricing, hedging, and secondary market execution. He’s also responsible for Guild’s credit policy, shipping, and product development functions. Mr. Battany manages investor relationships with GSEs, government agencies, and private investors. Prior to joining Guild,  Mr. Battany was Chief Product Strategist for Penny Mac from 2012 to 2015, where he was responsible for managing the product development group, as well as its relationships with Fannie Mae, Freddie Mac, FHA, VA, USDA, Ginnie Mae, and mortgage insurance companies.  From 1990 to 2012, Mr. Battany was with Fannie Mae, based in Pasadena, California where he served as Director of Single Family Business and was responsible for managing the firm's relationships with west coast based lenders. Mr. Battany began his career in 1986 with First Interstate Bank of California, where he traded and hedged the bank's mortgage production.  Mr. Battany is the chairman of the National MBA’s Residential Loan Production Committee.  He was previous chairman of the National MBA’s Secondary and Capital Markets Committee, was previously a board member of the National MBA Residential Board of Governors and is a past board member of the California MBA.  Mr. Battany is a board member of Habitat for Humanity, and was a previous board member of Rebuilding Together.  

    Lora McCray, Director, Office of Minority and Women Inclusion, Consumer Financial Protection Bureau

    Lora is the Director, Office of Minority and Women Inclusion, at the Consumer Financial Protection Bureau (CFPB).  She is responsible for providing guidance and expertise on OMWI matters and for the strategic development, execution and oversight of OMWI programs and initiatives.  Lora was most recently tenured as the Assistant Vice President, Diversity and Inclusion at the Federal Reserve Bank of Boston where she was responsible for the strategic implementation of the Bank’s internal diversity programs.  In that role, Lora worked to improve workforce, supplier, and board diversity while engaging with multicultural community partners to advance economic development in their communities.  Lora’s career includes a broad range of diversity practice and management including, EEO compliance and oversight, diversity program development and management, diversity policy development and advocacy, and diversity program assessment and evaluation.  In addition, Lora’s background includes experience in affordable housing, community development, finance and investment, philanthropy, and labor and employment law.

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