Schedule

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Schedule subject to change.

Note: Meeting rooms may change, so please refer to the on-site program for final locations.

PDF Agenda Editable Agenda

Sunday, April 29, 2018

  • APPLIED COMPLIANCE TRACK: Mortgage Servicing Rules Interactive Session

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Sam Racoosin, Managing Director and Associate General Counsel, JPMorgan Chase Bank, N.A.

    Jonathan Kolodziej, Attorney, Bradley Arant Boult Cummings, LLP

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Tobias Moon, Partner, Akerman LLP

    Breakout Session,

    Applied Compliance Track

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    Join MBA for an interactive session where we address issues impacted by the updated mortgage servicing rules from the CFPB. Leading experts will cover the ins and outs of the different requirements, and help provide you with the needed information to ensure your policies and procedures are in compliance.

    Speaker(s)

    Sam Racoosin, Managing Director and Associate General Counsel, JPMorgan Chase Bank, N.A.

    Samuel Racoosin is a Managing Director and Associate General Counsel at JP Morgan Chase Bank, NA. He is the lead attorney for the residential Loan Servicing performing, customer assistance and default legal teams. He is principally responsible for providing legal advice to the residential mortgage loan servicing business. Before joining JP Morgan Chase, Racoosin was Associate General Counsel at Fannie Mae. In that capacity, he was responsible for providing legal advice to the US Treasury in connection with the Obama Administration’s Making Home Affordable Program. Samuel previously served as Associate General Counsel for Fannie Mae’s single family mortgage business, providing advice on new products, eMortgage initiatives, and loss mitigation. Prior to joining Fannie Mae, Samuel was Associate General Counsel of North American Mortgage Company, a national mortgage banker.

    Jonathan Kolodziej, Attorney, Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej is an associate in Bradley’s Birmingham, AL office. He represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.  Over the past five years, a vast majority of Jonathan’s regulatory compliance practice has focused on the CFPB’s mortgage servicing rules in Regulations X and Z. Since the rules were first promulgated, he has helped servicers of all sizes ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. He has also helped many of the nation’s largest servicers navigate CFPB and state examinations.

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing Committee.

    Tobias Moon, Partner, Akerman LLP

    Tobias Moon is a partner in Akerman's Consumer Financial Services Practice Group. His regulatory practice focuses on compliance with federal and state requirements related to originating and servicing loans secured by residential real property. He regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP. In addition, Tobias advises consumer financial services companies on complying with CFPB rules and exam readiness. Tobias also advises clients with regard to compliance with state lending and servicing statutes and regulations. Prior to joining Akerman, Tobias served in leadership positions with major U.S. banks for more than six years where he gained practical legal experience in addition to leading compliance and risk management teams.

  • APPLIED COMPLIANCE TRACK: Case Study: Taylor Bean & Whittaker, Overdraft to Failure

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Rachel Dollar, CMB, Partner, Smith Dollar PC

    Donald C. Lampe, Partner, Financial Services Group, Morrison & Foerster LLP

    Applied Compliance Track

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    On August 3, 2009, TBW was raided by federal authorities.  Eleven days later, it ceased all business operations and terminated over 2000 employees.  At the time, TBW was a top ten wholesale mortgage lender,  the largest privately held U.S. mortgage company, and was the third largest DE lender to HUD.  This panel will tell the story, through the actual trial testimony of those involved, of how a ten million dollar overdraft in 2002 ballooned, over a seven year period, into a billion dollar loss.  

    Speaker(s)

    Rachel Dollar, CMB, Partner, Smith Dollar PC

    Rachel Dollar is a California attorney, a published author, a Certified Mortgage Banker, and a recognized expert in the mortgage lending industry. Ms. Dollar is a trial lawyer and a founding partner of the AV ® rated, California law firm, Smith Dollar PC, from which she represents financial institutions and lenders in real estate and mortgage banking related litigation. She has been recognized repeatedly by Inman News as one of the 100 Most Influential Real Estate Leaders in the United States and has been consistently named by Super Lawyers as one of the top attorneys in Northern California. She has developed a reputation as one of the foremost innovators and thought leaders in the real estate finance industry and has been widely quoted in the Wall Street Journal, USA Today, the Los Angeles Times, and other publications. Ms. Dollar is a nationally recognized speaker on the topics of mortgage banking and mortgage fraud; she has testified before Congress; and has appeared on CNN, CBS News, and other radio and television programs. She is the editor of the award winning website, Mortgage Fraud Blog.

    Donald C. Lampe, Partner, Financial Services Group, Morrison & Foerster LLP

    Donald C. Lampe is a partner in the Financial Services Group in the Washington D.C. office of Morrison & Foerster. Mr. Lampe represents banks, mortgage companies, collection agencies, insurance underwriters and agents and other financial services providers in a variety of financial services and bank regulatory matters. He devotes significant time to counseling innovative financial services companies bringing products and services to market through technology-driven platforms (FinTech).. He represents a range of financial services clients in high-stakes government investigations and enforcement proceedings before state and federal agencies, such as the CFPB, HUD, FTC, DOJ, FDIC and NYFS, involving issues of lending, servicing, licensing, governance and compliance. He devotes a significant part of his practice to representing major national business process outsourcing firms and technology vendors to the financial services industry.  Mr. Lampe has been recognized by Legal 500 US 2017 in the area of Financial Services: Regulatory and by Chambers USA 2017 in the area of Financial Services Regulation: Consumer Finance (Compliance). He has been recognized by Best Lawyers in America from 2003-2018 and was named a Super Lawyer for Banking Law by Law & Politics from 2006-2014.  Mr. Lampe is a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the Board of Advisors of the UNC School of Law Center for Banking and Finance. Mr. Lampe previously served as the chair of the American Bar Association’s Consumer Financial Services Committee.

  • APPLIED COMPLIANCE TRACK: UDAAP Analysis

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Michael S. Waldron, Chief Compliance Officer, Bayview Loan Servicing, LLC

    Francis X. (Trip) Riley, III, Partner, Saul Ewing LLP

    Ori Lev, Partner, Mayer Brown, LLP

    Reid Herlihy, Partner, Ballard Spahr LLP

    Breakout Session,

    Applied Compliance Track

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    UDAAP is one of the trickiest areas of compliance as the rules are often unclear or can be interpreted in different ways through different lenses.  This interactive panel will walk through different factual scenarios and discuss the UDAAP analysis that regulators would go through.

    Speaker(s)

    Michael S. Waldron, Chief Compliance Officer, Bayview Loan Servicing, LLC

    Michael S. Waldron is the Chief Compliance Officer of Bayview Loan Servicing where he is responsible for the Compliance and Oversight Department’s management, leadership and direction as well as the company’s overall compliance strategy. Prior to joining Bayview, Michael was Practice Leader of Ballard Spahr’s nationally recognized Mortgage Banking Group. With over 20 years servicing the industry in a wide variety of legal and compliance-related functions, Michael is known for his ability to navigate the regulatory landscape and build relationships that add value to those with whom he works.

    Francis X. (Trip) Riley, III, Partner, Saul Ewing LLP

    Francis X. "Trip" Riley, III is a partner in the Litigation Department at Saul Ewing LLP and co-chair of the Consumer Financial Services Practice. He concentrates his practice on complex commercial litigation matters, focusing primarily on business torts and breach of contract in the context of commercial and consumer financing and B2B transactions. Mr. Riley represents and counsels real estate settlement services industry clients and real estate brokers and title insurance underwriters and agents in litigation, regulatory and business matters. He advises clients on issues related to Dodd Frank Act and regulations promulgated there under RESPA, TILA, HOEPA, Fair Foreclosure Acts, and UDAP claims; insurance rate issues, and other statutory and common law consumer complaints.

    Ori Lev, Partner, Mayer Brown, LLP


    Ori Lev is a partner in Mayer Brown’s Washington DC office and a member of the Financial Services Regulatory & Enforcement practice and the Consumer Financial Services group. He concentrates his practice on representing financial institutions and other companies in government enforcement matters, internal investigations, and litigation, and providing regulatory advice and counsel on federal consumer financial and economic sanctions law. Ori has an extensive regulatory enforcement background, both at the Consumer Financial Protection Bureau (CFPB), where he served as a deputy enforcement director, and at the Office of Foreign Assets Control (OFAC), where he led the Office of Enforcement and served in other leadership positions. He also has substantial litigation experience.  In the consumer-finance space, Ori has worked on matters involving a wide range of legal issues and industries. His matters have included alleged unfair, deceptive and abusive acts or practices (UDAAP), as well as alleged violations of the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act and the Truth in Lending Act. These matters have involved mortgage, auto and student loan origination and servicing, as well as payment processing, credit reporting and furnishing, debt collection and debt relief. He regularly represents clients in CFPB investigations, helps clients prepare responses to CFPB PARR letters, assists clients in preparing self-disclosures and advises clients on UDAAP and other regulatory risks. He also provides advice regarding the CFPB’s jurisdiction, authority, priorities and practices.  With respect to economic sanctions, Ori has led internal investigations, helped draft license applications and self-disclosures to OFAC, and has provided advice and counsel on the applicability of OFAC regulations to a wide range of business conduct.  Prior to entering private practice, Ori was a founding member of the CFPB, where he served as a deputy enforcement director for litigation. In that capacity, he was part of the CFPB’s enforcement leadership team, supervised a team of 20 enforcement attorneys and oversaw enforcement matters from inception through investigation, settlement and litigation. Ori was also one of the principal drafters of the CFPB’s Rules of Practice for Adjudication Proceedings, which govern the agency’s handling of administrative enforcement actions.  Before joining the CFPB, Ori served as a senior advisor and then as the head of enforcement at OFAC, where he was involved in OFAC’s early dollar-clearing and wire-stripping cases, oversaw and reorganized OFAC’s enforcement function and participated in major policy decisions and initiatives. He was also the principal drafter of OFAC’s Economic Sanctions Enforcement Guidelines, which set forth the framework for resolving OFAC enforcement actions.  Ori also served as a litigator at the US Department of Justice and the Federal Trade Commission.

    Reid Herlihy, Partner, Ballard Spahr LLP

    Reid F. Herlihy a Partner at Ballard Spahr LLP provides regulatory and transactional advice for clients on a range of issues involving state and federal consumer finance laws. Mr. Herlihy counsels mortgage companies, servicers, consumer finance companies, financial institutions, investment banks, debt collectors, and secondary-market investors on state and federal regulatory compliance issues.  Mr. Herlihy regularly counsels clients on issues regarding the CFPB's Mortgage Servicing Rules, advertising, fair debt collection, lending and servicing disclosures, loss mitigation, foreclosure procedures, and business practices. He also assists clients with state and federal examination issues and regulatory actions.  Mr. Herlihy is author of the "Fair Debt Collection Practices Act" chapter of Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute.

  • APPLIED COMPLIANCE TRACK: Regtech Product Demo Session

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Leonard Ryan, President, QuestSoft Corporation

    Ben Wu, Executive Director, LoanScorecard

    John Vong, CMB, CMT, President, ComplianceEase

    Sheraz Syed, Regulatory Associate, Mortgage Bankers Association

    Larry Zastrow, Senior Manager, Sales, Ellie Mae, Inc.

    Esmeralda Arredondo, Business Development Executive, Smarsh

    Crystal Grainger, Business Development Executive, Smarsh

    Daniel Smith, Senior Vice President, Sales, ComplianceEase

    Breakout Session,

    Applied Compliance Track

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    Need solutions? Join us to see several during an hour of nonstop product demos, presented from your point of view. Get a quick look at how these products are solving compliance challenges today, then schedule time for a more in-depth discussion later with those that most interest you.

    Speaker(s)

    Leonard Ryan, President, QuestSoft Corporation

    Leonard Ryan has been associated with the mortgage industry for over 30 years co-owning a mortgage company, developing loan origination software and, for the past 22 years, becoming a major compliance software leader. He is a member of both MBA HMDA/Fair Lending and NMLS Mortgage Call Report working groups and is a frequent speaker at mortgage software and regulatory compliance conferences.  In 2014, Leonard was named a Tech All-Star by the MBA’s Mortgage Banking Magazine. Mr. Ryan was also one of only three finalists nationwide for a special award from Mortgage Technology Magazine called the Steve Fraser Visionary Award. The award recognizes individuals that have helped define technology in the mortgage industry today. In 2016, Mr. Ryan was added to MPA’s Hot 100 list of Mortgage superstars one of only 5 tech company winners and the only compliance company executive to quality. His latest personal achievement was being name to receive a Vanguard Award from Housing Wire Magazine in January, 2017.  In addition to personal recognition, his company, QuestSoft, has received 20 awards over the past four years including the top award for a vendor, the Lenders Choice award, voted on by thousands of lenders nationwide. QuestSoft was recently named the 12th Top Workplace in Orange County, CA by the Orange County Register, a recognition that has been given to QuestSoft 3 of the past 4 years. Finally, the company received an Innovations award in March 2017 in recognition of its Compliance RELIEF software which will be used to transition to the new CFPB HMDA guidelines.

    Ben Wu, Executive Director, LoanScorecard

    Benjamin Wu is executive director of LoanScorecard, a leading provider of automated underwriting and compliance solutions. In this role, he regularly works with clients to assess their current and future needs, helping them apply technology to their credit decision process, to increase reach, mitigate risk and broaden credit availability. Wu has more than 20 years of experience in the mortgage technology industry. At LoanScorecard, he has spearheaded the development of the company’s automated underwriting system, Portfolio Underwriter; product and pricing engine, Pricer1; automated sales distribution system, Portfolio Producer; and QM Findings, the first Qualified Mortgage solution on the market. Wu is also one of the founding members of CalyxSoftware and was instrumental in the conception and execution of some of its core solutions, including Point for Windows, PointCentral and WebCaster. Wu has spoken at numerous industry events and contributed articles to several trade publications, including CUToday, Credit Union Journal, MortgageOrb, Mortgage Banking, and Scotsman Guide. In addition, he was named a 2016 HousingWire Vanguard Award Winner.

    John Vong, CMB, CMT, President, ComplianceEase

    John Vong serves as president of ComplianceEase, the nation’s leading provider of risk management solutions to the financial services industry, which he co-founded in 2001. After first entering the mortgage industry by founding a mortgage bank in San Francisco in 1986, he sold the bank to The Money Store and then First Union Bank in 1997 and 1998, respectively. It was then that he developed his passion for compliance risk. He is a frequent speaker in trade events and contributor to various media in the industry; his articles include current issues and technology developments that affect regulatory compliance. Vong received HousingWire’s 2015 Vanguard Award for extraordinary leadership in the housing economy. He was named Tech All-Star by Mortgage Banking Magazine in 2010 for his success and contribution to the mortgage industry. John was awarded the designations of Certified Mortgage Banker (CMB) and Certified Mortgage Technologist (CMT) from the Mortgage Bankers Association.

    Sheraz Syed, Regulatory Associate, Mortgage Bankers Association

    Sheraz is a Regulatory Associate in MBA’s Residential Policy group, working with the Regulatory Policy team. He assists with the management of MBA’s Legal Issues and Regulatory Compliance Committee, managing the Committee’s Community Pages, maintaining MBA’s Amicus and Litigation databases and providing research and support to MBA’s Regulatory Counsel for various policy and legal issues. Prior to joining MBA, he worked as an attorney for a boutique law firm in New York, litigating creditors rights throughout the state. His background is in information technology law and policy.

    Larry Zastrow, Senior Manager, Sales, Ellie Mae, Inc.

    Larry Zastrow is National Sales Manager – AllRegs East Region for Ellie Mae, and has focused on growing the AllRegs brand since 2010. Larry brings over 3 decades of mortgage expertise to Ellie Mae while focusing on compliance in his underwriting, training, wholesale, and AllRegs sales roles.

    Esmeralda Arredondo, Business Development Executive, Smarsh

    Esmeralda is part of the New Business Development Team at Smarsh where she helps firms mitigate electronic communications risk through technology solutions and efficient workflows via a unified archiving platform. In her role she aligns the proper Smarsh services to meet the specific needs of a business after a deep discovery and understanding of project objectives. Esmeralda’s success has come largely through her attention detail, industry expertise, and focus on sustainable partnerships. The result is peace of mind for stakeholders knowing that employees can collaborate and work in todays modern environment while be protected from regulatory, reputational, and legal risk.

    Crystal Grainger, Business Development Executive, Smarsh

    Crystal serves as a member of Smarsh’s Business Development Team where she helps drive the growth of the company’s current client base by offering Smarsh product and industry expertise.  In her role, Crystal helps to identify a path through the technology, regulatory, internal policy and reputational risks inherent in how financial services businesses communicate today and beyond. Crystal has been with Smarsh for 3 years in varied capacities and was previously a Risk Mitigation Advisor with Allstate Inc. Crystal is a Public Policy graduate of the University of Oregon in Eugene, Oregon.  With more than 25,000 customers, Smarsh is the leading provider of archiving and compliance solutions for companies in regulated and litigious industries. 

    Daniel Smith, Senior Vice President, Sales, ComplianceEase

    Daniel Smith is the senior vice president of Sales for ComplianceEase, the nation’s leading provider of risk management solutions to the financial services industry.  Smith is responsible for many company-wide initiatives, including chairing the ComplianceEase Risk & Compliance Summit. During his time with the company, he has driven revenue growth through new client acquisitions and collaborative relationships with many of the largest, leading lenders.  Prior to joining ComplianceEase in 2005, Smith managed a consultative team at Fiserv that aided lenders in valuing servicing portfolios.