MBA Annual

2019 Schedule

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Monday, October 28, 2019

  • 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.

  • 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

  • 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.

  • 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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