2019 Schedule

Check out our final schedule from MBA's Risk Management, QA and Fraud Prevention Forum 2019 to get a sense of what to expect in 2020!

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Monday, September 16, 2019

  • Fraud Prevention Track: Identifying Fraud Schemes in Mortgage Transactions

    Location: Chicago 9,
    Ballroom - Level 4


    Speaker(s)

    Katherine Hollister, VP, Quality Control - TPO Home Mortgage – TPO Quality Control, Citizens Bank

    Geoffrey A. Oliver, CPA, CFF, CMB, Chief Executive Officer, The Hilltop Companies

    Teresa Blake, Managing Director, KPMG LLP

    Jennifer Horne, Vice President, Anti Fraud and Anti Money Laundering, Fannie Mae

    Breakout Session,

    Fraud Prevention Track

    Read more Read less

    Myriad fraud schemes plague our industry’s originations and servicing operations on a daily basis. Our panel of experts dive into today’s most prevalent fraud schemes and present case studies of actual fraudulent transactions to teach you how to detect and prevent the same from occurring in your shop.

    Speaker(s)

    Katherine Hollister, VP, Quality Control - TPO Home Mortgage – TPO Quality Control, Citizens Bank

    Katherine currently leads the Home Mortgage Quality Assurance & Quality Control teams, for Third Party Originations, with Citizens Bank; she worked in a similar capacity for Franklin American Mortgage, which was acquired by Citizens Bank in 2018.  She has over 25 years experience in banking and mortgage and has previously held senior leadership roles in the areas of Underwriting, Quality Control, Fraud, Risk Management, and Mortgage Servicing. 

    Geoffrey A. Oliver, CPA, CFF, CMB, Chief Executive Officer, The Hilltop Companies

    Jeff is the CEO of Hilltop Advisors LLC.  He is a nationally recognized expert on banking and real estate finance (residential and commercial).  He has obtained the Certified Mortgage Banker (CMB) designation in recognition of such.  His strategic view and “practical solutions” for the real estate finance and mortgage capital markets arena have earned him a reputation as one of the leading industry professionals.  Many of the industry’s leading companies have utilized Jeff’s financial, operational, technology, audit and accounting and risk management skills to achieve their strategic objectives.  Specifically, Jeff blends his functional skills (accounting, auditing, financial advisory, risk management) with his significant industry experience (real estate finance, real estate, consumer lending, commercial lending, banking, fixed income markets, securitization and syndication) to deliver consistent high quality recommendations to the senior management of his clients.   Jeff has been very successful at identifying opportunities to enhance operational efficiency and improve the “bottom line”. 

    Jeff served in many leadership roles (KPMG’s Lending & Securitization practices, Consumer Lending practice, Homebuilder practice and BearingPoint’s consulting and restatement team lead for Freddie Mac).  He formed Hilltop Advisors, LLC in June 2005.  Hilltop Advisors, LLC focuses exclusively on providing consulting and accounting/audit advisory services to clients in the Financial Services, Federal finance sector agencies (involved in lending, mortgage insurance, loan guarantees, securitizing loans and regulating the financial services industry) and Real Estate industries. 

    Teresa Blake, Managing Director, KPMG LLP

    Teresa Blake is a Managing Director at KPMG LLP.  In this role, Teresa assists lenders with business optimization/transformation programs and technology platform installations with the goal of improving customer experience, reducing cost and complexity.  She has over 25 years of diverse management experience, formulating and implementing organizational change strategies, process improvements, and technology solutions. 

    Jennifer Horne, Vice President, Anti Fraud and Anti Money Laundering, Fannie Mae

    Jennifer Horne is Fannie Mae’s Vice President – Anti-Fraud and Anti-Money Laundering. Jen is responsible for overseeing Fannie Mae’s mortgage fraud, enterprise anti-fraud, and anti-money laundering programs. Before joining Fannie Mae in 2005, Horne held various roles at FTI Consulting, KPMG LLP, and Arthur Andersen LLP.  In these capacities she advised clients on matters related to litigation, forensic services, and business dispute resolution. Jen has a bachelor of science in business administration, with a concentration in finance, from the University of Richmond Robins School of Business. She is a certified fraud examiner and a certified anti-money laundering specialist.

  • Risk Management & Analytics Track: Creating a Robust Enterprise Risk Management Infrastructure

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Matt Hensley, Vice President, Enterprise Risk Management, Arch MI

    Gregory A. Keith, Senior Vice President & Chief Risk Officer, Office of Enterprise Risk, Ginnie Mae

    Michael Wood, Senior Vice President, Credit Risk Executive, Bank of America

    Gwen Muse-Evans, President & CEO, GME Enterprises

    Breakout Session,

    Risk Management & Analytics Track

    Read more Read less

    Enterprise Risk Management (ERM) is a plan-based business strategy aiming to identify, assess and prepare for any potential harm that may interfere with your company’s operations and objectives. Developing an ERM offers many benefits, such as determining the amount of risk your organization is willing to accept, ensuring you’re making informed decisions and taking into account all key risks. Experts offer best practices in standing up an ERM to help you establish a robust risk management culture in your company.

    Speaker(s)

    Matt Hensley, Vice President, Enterprise Risk Management, Arch MI

    Matt Hensley is Vice President of Enterprise Risk Management at Arch MI. He leads a team dedicated to advancing the risk culture, articulating a risk appetite and supporting the business in identifying, measuring, monitoring, controlling and reporting all risk types. Previously, Matt worked at Bank of America/Countrywide Home Loans where he was a Vice President in Representations & Warranties MI Strategy. Matt has held various secondary marketing, servicing and sales positions in sixteen years in the mortgage industry.

    Gregory A. Keith, Senior Vice President & Chief Risk Officer, Office of Enterprise Risk, Ginnie Mae

    Gregory A. Keith joined Ginnie Mae as SVP & Chief Risk Officer in 2010. In this capacity, he monitors the corporation’s aggregate risk and compliance with risk policies, develops and maintains corporate-wide procedures for risk management, and provides independent evaluation and oversight of all risk management activities.

    Keith has more than 30 years of experience in the financial services industry. Much of this experience has been in mortgage and asset backed finance. Prior to joining Ginnie Mae, Keith spent nine years in various roles at Fannie Mae. These roles spanned across multiple disciplines including strategy, risk and finance.

    In 2001, Keith came to Fannie Mae from First Union Bank, where he was Vice President of Business Integration. There, he served as the Deputy Chief Operating Officer for the Structured Products Group of the Corporate and Investment Bank.

    In the past, Keith also served as a Manager at KPMG Consulting, focusing on the execution of strategic, financial, and operational engagements. Prior to joining KPMG, Keith worked as a Forecasting and Planning Analyst at American Residential Mortgage Corporation and as a Financial Analyst at Great American Bank.

    Keith holds a Bachelor of Arts from San Diego State University.

    Michael Wood, Senior Vice President, Credit Risk Executive, Bank of America

    Michael Wood is Executive of Credit Policy & Controls for the Consumer Bank, in this capacity Wood serves as the Executive for Consumer Credit products, including Mortgage, Home Equity, Auto, U.S. Credit Card and Small Business Lending. Wood joined the Bank of America team in Columbus in 2016. Prior to joining Bank of America in January of 2016, he served as Executive Director Credit Risk Management for Morgan Stanley, with responsibility for credit policy, oversight of lending authority, decision engine management, quality assurance, and governance oversight for Mortgage Retail Lending Credit Risk regulatory requirements. His previous positions have included risk, credit policy and servicing roles with New Century, Washington Mutual, and PMI Mortgage Insurance Co. across his 25-year financial services career.

    Gwen Muse-Evans, President & CEO, GME Enterprises

    Gwen Muse-Evans is President and CEO of GME Enterprises, a management consulting firm that specializes in providing risk management, operations management, strategic planning and housing finance advisory services to corporate, nonprofit and government clients. Gwen has expertise in the discipline of Enterprise Risk Management, extensive knowledge of the housing finance industry, and demonstrated experience implementing start-up business divisions and risk management programs at major financial services organizations.

    Prior to starting her advisory practice, Gwen was most recently the Senior Vice President and Chief Risk Officer for the Credit Portfolio Management and Single Family businesses at Fannie Mae where she served from 2001 until 2014. Prior to 2001 Gwen served in several corporate executive roles including at JPMorgan Chase, GE Capital Mortgage Services and Household Financial Services. Gwen earned her MBA in Finance from Rutgers University, a BBA from Pacific Lutheran University, is a Certified Enterprise Risk Professional, a Certified Project Management Professional and a faculty member at the American Bankers Association’s School of Risk Management.

  • Underwriting & QA Track: Maintaining Quality in a Challenging Environment

    Location: Chicago 10,
    Ballroom - Level 4


    Speaker(s)

    Elijah Pallante, Senior Vice President, Enterprise Innovation, loanDepot.com, LLC

    Nicholas Volpe, Chief Strategy Officer, ACES Risk Management

    Tara Pettersen, Senior Vice President, Risk Management, CMG Financial

    Breakout Session,

    Underwriting & QA Track

    Read more Read less

    With all the challenges we’re seeing across the industry, is it possible to compete in today’s market without sacrificing quality? Attend this session to explore ways QA/ QC teams are utilizing technology to comply with investor and agency requirements, while improving productivity and accuracy. We’ll also address the potential for moving to a fully digital mortgage.

    Speaker(s)

    Elijah Pallante, Senior Vice President, Enterprise Innovation, loanDepot.com, LLC

    Elijah Pallante oversees digital strategy and operational efficiency for loanDepot, as the Senior Vice President, Enterprise Innovation. He has been with the company for more than five years and has over 15 years of industry experience covering mortgage, non-performing loans and asset management (aka NPL). Prior to joining loanDepot, Pallante headed REO operations at Arch Bay Capital, as well as Operations Risk for Discover Home Loans. He also served in leadership roles at MBNA, NationPoint, LendingTree, Auction.com and Kondaur Capital Corp. Pallante holds a degree in Labor Law from Pennsylvania State University.

    Nicholas Volpe, Chief Strategy Officer, ACES Risk Management

    Mr. Volpe has over 20 years experience in the mortgage industry providing products to both mortgage lenders and servicers.  He was on the original team at The Murrayhill Company and was integral in pioneering credit risk oversight for mortgage loan securitizations. Before joining ARMCO, Volpe helped established origination and servicing quality control businesses and lead integration teams in multiple acquisitions. Mr. Volpe is a subject matter expert in the mortgage space authoring multiple articles and speaking at industry events. As Chief Strategy Officer at ARMCO, Nick will map the course for future product development, execute corporate initiatives, and work directly with clients to chart market needs. 

    Tara Pettersen, Senior Vice President, Risk Management, CMG Financial

    Tara Pettersen is the Senior Vice President of Risk Management for CMG Mortgage, Inc. dba CMG Financial.  In this role she oversees Compliance, Licensing, Fraud, Vendor Management, Quality Control, External Audit, and  functionally oversees Internal Audit. Tara works closely with Correspondent, Wholesale, Retail, and Executive Management to ensure compliance and mitigate risk.

  • Fraud Prevention Track: Using Data to Stop Today’s Fraud Schemes

    Location: Chicago 9,
    Ballroom - Level 4


    Speaker(s)

    Don Effertz, Vice President, Risk Management, DataVerify, Inc.

    Sharon Reichhardt, Vice President of Client Success, ACES Risk Management (ARMCO)

    Jackie Clark, CFCS, Vice President of Quality Control, Planet Home Lending,

    Breakout Session,

    Fraud Prevention Track

    Read more Read less

    It’s official, mortgage fraud is on the rise. Whether spawned by an increase in purchase transactions, or specific regional conditions, lenders need to be proactive if they want to avoid the financial losses associated with fraudulent loans. Experts focus on loan data, which data lenders should be looking at, how they can gather it and how to analyze it to make the adjustments that stop today’s fraud schemes.

    Speaker(s)

    Don Effertz, Vice President, Risk Management, DataVerify, Inc.

    Don Effertz is Vice President of Fraud Risk Management at DataVerify where he manages a team of seasoned mortgage and fraud professionals who are responsible for assisting with client product understanding, training, customization and product enhancement.  This team also advises clients on product integration, workflow analysis and adjustments to their DRIVE platform to maximize ROI.  Effertz joined DataVerify in January of 2009 following a 25 year career in mortgage banking with a primary focus on Operational Risk Management, Quality Assurance and Fraud Prevention.  He has published several articles in national periodicals concerning mortgage fraud awareness and prevention and has conducted fraud awareness training courses across the country.  Prior to DataVerify he was with JPMorganChase as SVP over Operational Risk Management where his duties included fraud prevention and investigation, operational risk management, operational quality audits (production and servicing QC), early payment default audits and branch operational audits.  While with JPMorganChase he was a member and former chair of the Operational Risk Management Committee, a member of Freddie Mac’s Fraud Roundtable and MBA’s Fraud and Ethics Subcommittee.  Effertz hold a Bachelor of Science degree from St. John’s University in Collegeville, MN.

    Sharon Reichhardt, Vice President of Client Success, ACES Risk Management (ARMCO)

    Ms. Reichhardt, winner of the HousingWire's Insiders award, brings over 25 years of mortgage industry experience to ARMCO as Vice President of Client Success. Her previous experience spans auditing loan servicing, origination compliance, consumer banking and commercial real estate. Prior to joining ARMCO, Ms. Reichhardt was EverBank’s lead administrator and report writer for ACES. She served as QC audit coordinator for external audits including FNMA, FHLMC, HUD, CFPB and OCC, and was instrumental in improving business processes such as executive reporting, regulatory reporting, and quality assurance. Ms. Reichhardt's hands on experience as an ACES administrator in a Quality Control environment gives her a unique perspective to assist clients with implementation, and the many ways ACES can be customized for a range of products and workflows.  

    Jackie Clark, CFCS, Vice President of Quality Control, Planet Home Lending,

    Jackie Clark, CFCS, is Vice President of Quality Control for Planet Home Lending, LLC. As a strategic mortgage banking quality leader, Jackie Clark is known for her expertise in the use of data analytics to identify fraud trends, underwriting lapses, and risks in origination practices and procedures. She is the architect of profit-preserving quality control and fraud prevention processes and policies applied across multiple business channels, including distributed retail, retention retail, residential transition, and correspondent lending. In prior positions, her data analysis combined with traditional investigations have uncovered and prevented employment schemes, falsified gift letters, and wire frauds.

  • Risk Management & Analytics Track: New Frontiers - How to Leverage Technology and Data to Manage Risk

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Charles Delmolino, Vice President of Loan Quality, The Money Source (TMS)

    Anshul Aggarwal, Chief Risk Officer, LoanCare

    Joe Dombrowski, Director of Product Management, Sagent Lending Technologies

    Breakout Session,

    Risk Management & Analytics Track

    Read more Read less

    The mortgage industry is focused on using data rather than documents, and automating processes to improve efficiency and manage risk. This session focuses on new capabilities available to lenders and servicers, which use data and analytics to proactively manage default risk and monitor portfolio trends.

    Speaker(s)

    Charles Delmolino, Vice President of Loan Quality, The Money Source (TMS)

    Charles Delmolino is the Vice President of Loan Quality at The Money Source Inc. He is a risk-based leader with over 13 years of Mortgage Banking experience in Origination Operations, Credit Risk Management, Origination/Servicing Quality Control, and Fraud Detection. Charles has played an integral role in the development and management of effective and invaluable Quality Control programs in both Origination and Servicing environments. He is recognized for directing operational improvement through collaboration and transparency with the utilization of data analytics to identify, manage, and minimize areas of potential risk inside and outside of an organization.

    Anshul Aggarwal, Chief Risk Officer, LoanCare

    Anshul Aggarwal is currently Chief Risk Officer at LoanCare. In this role, he spearheads a diverse team of risk professionals within Enterprise Risk Management organization, that is responsible for developing the overall risk governance framework, recommending its risk appetite, monitoring and reporting on various operational activities to review adherence to various regulatory and investor requirements.

    Prior to joining LoanCare, he served as the Chief Audit Executive and Servicing Risk Officer at Caliber Home Loans where he was responsible for standing internal audit from ground up, developing robust annual risk assessments, conceptualizing RCSA, and developed key risk metrics that were leveraged to build the enterprise risk framework throughout the organization. Prior to joining Caliber, Anshul held various leadership roles within audit and risk organizations at Citibank and JP Morgan Chase within their 2nd and 3rd line of defenses.  Anshul credits his early success as an Audit Manager at Ernst & Young LLP in their Financial Services Advisory practice.

    Anshul graduated from University of Oklahoma with a MBA in Finance and is a Certified Public Accountant licensed in the state of Texas.

    Joe Dombrowski, Director of Product Management, Sagent Lending Technologies

    Joe is responsible for the strategic direction of the servicing software products from Sagent Lending Technologies.  This includes both the LoanServ servicing system and Account Connect for borrower self- service. Prior to this role, he assisted Fiserv clients by providing managerial consulting for loan servicing opportunities. With over 25 years of experience, Joe has a comprehensive background in the industry both in servicing and in technology. He is a member of several national lending advocacy groups, served on MISMO groups, and has written and spoken extensively on servicing topics.  Joe has worked at Mellon Mortgage, Fiserv and is now with Sagent.  He graduated St. Joseph Seminary College, Los Altos CA, with a degree in Philosophy and is also a Certified Product Manager.

  • Underwriting & QA: GSE Property Valuation Initiatives

    Location: Chicago 10,
    Ballroom – Level 4


    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist & Senior Vice President, Research & Technology, Mortgage Bankers Association

    Cheryl Feltgen, Executive Vice President, Arch Mortgage Insurance Company

    Van Wright, Credit Risk Analyst, Fannie Mae

    Breakout Session

    Read more Read less

    New pilot programs are being introduced to streamline the property valuation process.  Attend this session for a detailed review of the new programs, and an opportunity to ask questions directly to gauge the impact on your workflow.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist & Senior Vice President, Research & Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    Cheryl Feltgen, Executive Vice President, Arch Mortgage Insurance Company

    As Chief Risk Officer, Cheryl Feltgen has responsibility for risk management oversight of Arch MI. She leads a team dedicated to advancing the risk culture, articulating a risk appetite and supporting the business in identifying, measuring, monitoring, controlling and reporting all risk types. Her responsibilities include the Enterprise Risk Management Program, portfolio risk management, model risk management, operational risk management, and quality control and loss investigations. Ms. Feltgen has decades of experience in financial services and real estate investments, including eight years in risk management and operating unit leadership positions at GE Capital.

    Van Wright, Credit Risk Analyst, Fannie Mae

    Van Wright is a Credit Risk Analyst at Fannie Mae working in the Collateral Policy and Strategy Department.  He is a certified appraiser with more than 25 years in the profession.  He has worked as a fee appraiser, completing various real estate valuation services.  In recent years, Van has worked in collateral risk management for various institutions, including JP Morgan Chase and CoreLogic.  In his current role at Fannie Mae, Van is responsible for training and consultation with lenders on the Collateral Underwriter™ application and is responsible for management of collateral policy inquiries from lenders and counter-parties.

Tuesday, September 17, 2019

  • Fraud Prevention Track: Looking beyond the Loan Level

    Location: Chicago 9,
    Ballroom - Level 4


    Speaker(s)

    Gary W. Carr, Consumer Loan Fraud Manager, Fifth Third Bank

    Ann Fulmer, Principal, Paladin Advisory Services LLC

    Amy Gromowski, Senior Leader, Science & Analytics, CoreLogic

    Laura Campbell, Senior Director, Counterparty Risk, Home Point Financial Corporation

    Breakout Session,

    Fraud Prevention Track

    Read more Read less

    All risk managers have to deal with the reality of fraud in today’s mortgage processes. Learning to apply a 360-degree approach to mortgage fraud investigations can help keep your organization secure. Experts go through the main components of identifying fraud to give you the tools you need to safeguard your processes.

    Speaker(s)

    Gary W. Carr, Consumer Loan Fraud Manager, Fifth Third Bank

    40 years experience in financial sector – with 22+ years experience in Mortgage and Consumer Fraud

    University of Akron – Degree in Early Childhood Education and Developmental Psychology – first job – Kindergarten Teacher

    Previous Chairman of the MBA Fraud Committee

    Past 6+ years – Vice President – Consumer and Mortgage Fraud Program Manager and Consumer and Mortgage Investigations Manager

    Ann Fulmer, Principal, Paladin Advisory Services LLC

    Ann Fulmer, JD, is a nationally known mortgage fraud expert whose first exposure to the subject came from illegal flipping activity in her neighborhood. She gained more experience and insights by working as a private detective investigating cases for mortgage insurers, as a member of her county’s Board of Tax Assessors, as an Assistant District Attorney prosecuting white-collar criminal cases, and as consulting counsel to mortgage lenders.  In 2005 she joined the leading provider of automated mortgage fraud detection services and spent the next 11 years educating mortgage and law enforcement professionals about evolving fraud schemes, "red flags" and strategies to stop fraudulent loans before they are funded.  She has testified before the Financial Crisis Inquiry Commission, written numerous articles for national publications and co-authored scholarly articles on the topic.  She has presented educational programs to Federal agencies such as the Federal Bureau of Investigation, the United States Secret Service, the Federal Reserve Bank of Richmond, the Federal Housing Finance Agency, HUD, Fannie Mae and Freddie Mac.  She has also participated in hundreds of conferences, was featured in People Magazine, appeared on ABC, CNN, Fox Business and Bloomberg TV, and been quoted in publications such as the Wall Street Journal and the New York Times.

    Amy Gromowski, Senior Leader, Science & Analytics, CoreLogic

    Amy Gromowski, Senior Leader - Science & Analytics for CoreLogic, leads a team of economists, statisticians and predictive modelers responsible for model development and data analytics supporting several business units within CoreLogic including insurance, spatial, fraud and marketing based solutions.  With more than 18 years of experience she’s held various roles responsible for model development, product development, and client services for analytic based solutions – all focused on transforming data and analytics into meaningful and actionable results.

    Laura Campbell, Senior Director, Counterparty Risk, Home Point Financial Corporation

    Laura Campbell is Senior Director, Counterparty Risk for Home Point Financial where she is responsible for overseeing fraud prevention and detection for both Servicing and Originations, including managing the Fraud Investigation Unit. Throughout her career, she has held various risk management roles and has a strong background in pre-funding and post-funding quality control and investigative audit. Since joining Home Point Financial when they began doing business in 2015, she has been instrumental in designing and implementing the organization’s Fraud Risk program, with a strong focus on incorporating proactive components built on data analytics and pattern detection.  

  • Risk Management & Analytics Track: Vendor Management in the Digital Mortgage Era

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Alex Wood, CISO, Pulte Mortgage LLC

    Erin Harris, Manager, Mortgage Quality Management & Research, LLC

    Regina M. Lowrie, CMB, President & CEO, DYTRIX, Inc.

    Katie Klauss, Senior Vice President, Operations, Moria Development, Inc. dba Peoples Mortgage Company

    Breakout Session,

    Risk Management & Analytics Track

    Read more Read less

    As lenders take more of their processes digital, the nature of counterparty risk shifts, requiring an adjustment in vendor management strategy. Experts outline areas in which lenders face greater counterparty risk in a digital mortgage environment, provide an overview of the regulatory guidance currently available to lenders in regards to vendor management and offer suggestions for how lenders can adjust their strategies to account for changing areas of counterparty risk.

    Speaker(s)

    Alex Wood, CISO, Pulte Mortgage LLC

    Erin Harris, Manager, Mortgage Quality Management & Research, LLC

    Regina M. Lowrie, CMB, President & CEO, DYTRIX, Inc.

    Regina M. Lowrie is President and CEO of DYTRIX, Inc., and RML Investments Inc., d/b/a RML Advisors.  Both companies are headquartered in Blue Bell, Pennsylvania. 

    Dytrix is a financial technology company that enables secure financial transactions for institutions through the Dytrix Platform which includes wire/ACH transfer validation and closing agent management.

    RML Advisors serves the financial services community as an independent advisor and consultant. 

    Prior to founding Dytrix and RML Advisors, Ms. Lowrie was President of Vision Mortgage Capital, a division of Continental Bank, and Senior Vice President of Continental Bank.  Previous to Vision Mortgage Capital, Ms. Lowrie was Founder/Chief Executive Officer of Gateway Funding Diversified Mortgage Services 1994-2006, a $3.2 Billion Mortgage Banker. 

    Ms. Lowrie is currently on the Board of Directors of Cherry Hill Mortgage Investment Corporation as an Independent Director; Compensation Committee Chairman and Audit Committee Member; Board of Directors of The Union League of Philadelphia; and, on the Advisory Board of Get Credit Healthy.  Regina served for 13 years on Montgomery County Community College Board of Trustees, Foundation Board and Treasurer and 10 years on Gwynedd-Mercy University Board of Trustees; Finance and Audit Committee Member.

    Ms. Lowrie was the first woman Chairman of the national Mortgage Bankers Association (“MBA”) in 2005 and continues to serve on many committees.  Regina has also testified before Congress on public policy to include GSE Reform and has served as an expert witness for the financial services industry.  She attended the University of North Carolina Kenan-Flager Business School and is a Certified Mortgage Banker.

    Katie Klauss, Senior Vice President, Operations, Moria Development, Inc. dba Peoples Mortgage Company

    Katie is the Senior Vice President of Operations with Moria Development Inc, dba Peoples Mortgage Company.  Katie has been with Peoples Mortgage for 18 years, holding various positions throughout her tenure.  She is currently responsible for day to day operations with a focus on how to leverage new technology to create more efficient process flows.   Prior to her role in Operations, Katie was the Chief Compliance Officer.  During that time she worked to implement a robust Compliance Management System that included vendor management oversight.  

  • Underwriting & QA Track: The Non-Agency Market

    Location: Chicago 10,
    Ballroom - Level 4


    Speaker(s)

    Mike Brenning, Chief Production Officer, Deephaven Mortgage LLC

    Ben Wu, Executive Director, LoanScorecard

    Tanya Wilson-Orr, Manager, Due Diligence Operations, LenderLive, Part of the Computershare Group

    Danny Horanyi, Head of Non-Agency Lending, Caliber Home Loans

    Breakout Session,

    Underwriting & QA Track

    Read more Read less

    In today’s competitive mortgage market, many lenders are adding non-agency products into their production mix. Experts in this session examine the differences between pre- and post-crisis non-agency lending, why operations handles non-agency loans differently than agency loans and how technology is being leveraged to accelerate non-agency originations.

    Speaker(s)

    Mike Brenning, Chief Production Officer, Deephaven Mortgage LLC

    Mr. Brenning is the Chief Production Officer of Deephaven Mortgage, where he oversees sales and client development. Prior to Deephaven, Mike held many senior leadership roles in correspondent & wholesale sales, capital markets, and marketing. Most recently, he was the VP of Correspondent/Wholesale & Strategic Partnerships at Quicken Loans. Prior to Quicken Loans, Mike was on the Executive Team at HSBC Mortgage Services as SVP of National Sales & Marketing. Mike also spent seven years at GMAC-RFC in both a sales and capital markets capacity. He holds an M.B.A. in Finance from Montreat College and a B.A. from Hamline University where he studied economics.

    Ben Wu, Executive Director, LoanScorecard

    Ben Wu has more than 20 years of mortgage industry experience and serves as Executive Director of LoanScorecard, a leading partner for banks and investors seeking fair lending and loan-loss reserve technology solutions. Wu brought to market the first automated QM assessment tool, making LoanScorecard top-of-mind for automated underwriting for portfolio loans. He diligently works alongside clients, addressing concerns and opportunities related to automated underwriting, loan pricing, credit risk models, and portfolio management. Wu holds a Bachelor's degree from UC Berkeley and a Master's degree in Computer Science from Stanford.

    Tanya Wilson-Orr, Manager, Due Diligence Operations, LenderLive, Part of the Computershare Group

    Tanya Wilson-Orr has spent over 25 years establishing a progressive career in residential mortgage.  She is currently is employed as the Manager of Due Diligence Operations at Lender Live, a part of the Computershare Group.  In this role, Tanya has assisted in the start up of the due diligence platform; working in areas including diligence software development, integration and client relations.  The current platform provides due diligence review for several Non QM clients.   Prior to joining Lender Live, Tanya held other leadership roles in Due Diligence, Credit Policy, Risk Management and Residential Mortgage Underwriting and Operations including working in a client relations role at Redwood Trust in the Jumbo QM and Non QM arena.  Tanya also spent 11 years at Aurora Loan Services in both correspondent underwriting operations and credit policy. She holds a Bachelors degree from The Ohio State University.

    Danny Horanyi, Head of Non-Agency Lending, Caliber Home Loans

    Danny is a seasoned mortgage producer who was previously a nationally-ranked top 10 Loan Officer in Scotsman Guide. In 2016 alone, Danny and his team produced 874 units for $391M in total loan volume. He has spoken at industry-leading events including the Mastermind Summit, Fuse, and Sales Mastery. He currently heads non-Agency production at Caliber, which is comprised of their proprietary portfolio product suite.

  • Fraud Prevention Track: Wire and Cyber Fraud - The Threat Lenders Need to Address

    Location: Chicago 9,
    Ballroom - Level 4


    Speaker(s)

    Charles Cain, Esq.,, EVP-Agency, WFG National Title Insurance Company

    John Levonick, Special Counsel, Pepper Hamilton, LLP

    Ike Suri, Chairman and CEO, FundingShield, LLC

    Thomas Cronkright, Esq, Co-Founder, CEO, CertifID

    Breakout Session,

    Fraud Prevention Track

    Read more Read less

    Mortgage lenders are quickly learning that the damage from cyber security threats and wire fraud at closing are NOT limited to settlement firms. This session tackles wire and cyber fraud developments in the past six months and the damage being done to affected lenders. Strategies all lenders should be taking to minimize the risks — both through vendors and in their own origination processes — will be reviewed.

    Speaker(s)

    Charles Cain, Esq.,, EVP-Agency, WFG National Title Insurance Company

    Chuck Cain has been in the Title Insurance industry since 1977.  He is a graduate of The Ohio State University and the Salmon P. Chase College of Law at Northern Kentucky University.  He is admitted to practice in Ohio and Kentucky, several Federal District courts and the U.S. Court of Appeals for the 6th Circuit. He has served as a trustee of the Ohio Land Title Association and is a member of the Government Affairs Committee of ALTA.  He is former chair of the Real Property section of the Cincinnati Bar Association, a former director of the Cincinnati Mortgage Bankers Association, a member of the Federal Reserve Bank of Cleveland’s Fair Credit Task Force and a recipient of a special citation from the U.S. Department of Housing and Urban Development concerning Fair Housing Best Practices.

    A native Cincinnatian, he has been a licensed title insurance agent for over 30 years, was an owner-operator of title agencies for 18 years and corporate officer with LandAmerica for over 10 years. He joined WFG as SVP in the Agency Division in August of 2010.  He has spoken before many state land title associations, state and local bar associations, ABA, ALTA, NAR, RESPRO, the National Settlement Services Summit, The Realty Alliance, Leading Real Estate Companies of the World and numerous other groups and classes on the topics of title insurance and compliance.  His many articles have been published in state land title publications, numerous mortgage and title industry trade journals and in October Research publications.  Having worked in all areas of the title industry and with its customers he brings a great depth of knowledge of all aspects of the real estate industry.

    John Levonick, Special Counsel, Pepper Hamilton, LLP

    Mr. Levonick's practice focuses on consumer financial services regulatory compliance and technology. Specific areas include consumer lending asset origination, servicing, and asset purchase and sale transactions; and assisting creditors, servicers, investors, and service and technology providers with regulatory issues.

    Mr. Levonick also supports financial institutions and technology service providers (FinTech and RegTech) with the regulatory compliance implications of emerging technology, such as blockchain technology, artificial intelligence, machine learning, cryptocurrencies and cloud computing.

    Mr. Levonick is admitted to practice in Connecticut (he is not admitted in New York).

    Ike Suri, Chairman and CEO, FundingShield, LLC

    Thomas Cronkright, Esq, Co-Founder, CEO, CertifID

    As an accomplished entrepreneur and licensed attorney, Tom has founded and led award-winning businesses to receive honorable recognition in their respective fields; he is also a highly sought-after speaker who lends his expertise to the world of real estate and lending-related topics across the country.

  • Risk Management & Analytics Track: Bridging the Divide: Communicating Model Risk and other Analytical Results to the Top

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Edward Watson, Partner, New Bridge Consulting Group

    Geordie Enell, Model Risk Officer & AVP of Model Risk, Arch Mortgage Insurance Company

    Stephen C. Mackey, Independent Consultant

    Breakout Session,

    Risk Management & Analytics Track

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    The credit crisis has changed our industry — and we learned from it. Lending criteria tightened and are now loosening, but with caution. Learn to better communicate, drive transparency and report the risk position of your organization to senior management, the Board of Directors and regulators. Experts discuss best practices for model risk management as well as how to communicate complex, technical material.

    Speaker(s)

    Edward Watson, Partner, New Bridge Consulting Group

    Geordie Enell, Model Risk Officer & AVP of Model Risk, Arch Mortgage Insurance Company

    Geordie Enell is the Model Risk Officer and AVP of Model Risk at Arch US Mortgage Insurance.  Previously, Geordie worked at FICO as Director of Product Management for Scores and Director of Software Development and he has developed, managed, and assessed predictive solutions for Risk, Fraud, and AML for a variety of clients and employers.  He holds an MA and BA in Applied Mathematics from CSU, Fullerton.

    Stephen C. Mackey, Independent Consultant

    Steve is currently an independent financial services consultant with more than 30 years of experience in the industry. Most recently Steve served as EVP and CRO for MGIC where he led the transformation of Risk Management through implementation of a comprehensive Enterprise Risk Management program and established best-in-class credit analytics. Prior to MGIC, Steve was with JP Morgan Chase & Company where he had held a number of risk executive positions both in the mortgage bank and investment bank and served as SVP and Controller of the mortgage bank. His diverse background includes various leadership positions with Fannie Mae, where he worked for 13 years. Earlier in his career Steve held positions with the Office of Federal Housing Enterprise Oversight (the predecessor to the Federal Housing Finance Agency), the Board of Governors of the Federal Reserve System, CFO of a successful start-up community bank; and as a CPA with KPMG. Mr. Mackey earned his Bachelor of Arts degree in accounting from Michigan State University and his Master of Science degree in finance from The George Washington University.

  • Underwriting & QA Track: Aiming for Operational Efficiencies in Loan Production QA

    Location: Chicago 10,
    Ballroom - Level 4


    Speaker(s)

    Allison Hennen, Director of Strategic Planning, TENA Companies, Inc.

    Sheila M. Klostermann, CMB, CRU, Risk Manager, Genworth Mortgage Insurance

    Kat Foster, SVP Credit Risk, Guild Mortgage Company

    Breakout Session,

    Underwriting & QA Track

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    As margins continue to tighten mortgage lenders and investors are looking for efficiencies across all of their business processes, including QA. In this session, experts share their approach for identifying process efficiencies, strategies for different operating budgets and goals successful organizations should strive for.

    Speaker(s)

    Allison Hennen, Director of Strategic Planning, TENA Companies, Inc.

    Sheila M. Klostermann, CMB, CRU, Risk Manager, Genworth Mortgage Insurance

    Sheila leads the Quality Assurance team at Genworth Mortgage Insurance.  She has over 25 years of experience in mortgage lending in both the mortgage insurance and correspondent lending arenas.  Sheila has held various positions ranging from underwriting and third-party risk management to quality assurance.   She has an MBA from DePaul University and is a Certified Mortgage Banker. 

    Kat Foster, SVP Credit Risk, Guild Mortgage Company

    Kat Foster joined the company in 1986. Ms. Foster is responsible for credit approval, credit policy and risk management and has been essential in developing Guild’s loan origination and underwriting systems and in driving the company’s continued growth and risk strategies. She started as Underwriting Assistant and became an underwriter, obtaining her FHA and VA credentials in the early 1990’s. She advanced to Corporate Underwriting Manager in 2010 and Vice President of Underwriting in 2013. She is experienced with structuring loans and delivering them to the secondary market; her extensive knowledge in assessing risk and developing protocol led to her elevation to Senior Vice President, Director of Credit Risk in 2014. She is involved with the leadership program of the California Mortgage Bankers Association. She studied at Cannon Business School in Hawaii, graduating with a degree in business in 1982.

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