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!

Download Agenda Editable Agenda

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.

  • 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.

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.  

  • 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.

Our Sponsors