MBA Annual

2019 Schedule

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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.

  • 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.

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

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    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. 

  • 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.

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