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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Sunday, September 15, 2019

  • Special Session: GSE Update

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

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

    Pam Padgett, Vice President, Quality Control, Freddie Mac

    Thomas O'Neill, Credit Risk Manager, Loan Quality, Fannie Mae

    General Session,

    Special Session

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    Join representatives from Fannie Mae and Freddie Mac for our yearly update on the critical changes taking place that impact underwriting and QC practices.

    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.

    Pam Padgett, Vice President, Quality Control, Freddie Mac

    Pam is the Vice President of Single-Family Quality Control for Freddie Mac, reporting to the Chief Credit Officer. She leads the teams that assess client purchase quality and resolve remedies, and the client facing system to support this. Her teams, located in Freddie Mac’s headquarters in McLean, Virginia and the Atlanta and Chicago regional offices, work closely with Freddie Mac’s Fraud Investigations unit. Pam has over 44 years in the mortgage banking industry, holding leadership positions in every aspect of the single-family mortgage origination and closing processes, as well as construction lending, loan servicing and loss mitigation.  She is a graduate of the University of Alaska, Anchorage and holds a degree in Psychology with a Minor in Real Estate. Pam is past Secretary-Treasurer of the Alaska Mortgage Bankers Association and past Chairperson of the Education Committee of Virginia’s Young Mortgage Bankers Association (YMBA). 

    Thomas O'Neill, Credit Risk Manager, Loan Quality, Fannie Mae

    Tom O'Neill is a Credit Risk Manager for Loan Quality at Fannie Mae, based in their Chicago office. Tom’s team provides support to, and an assessment of, the Quality Control Plans and Procedures for the vast majority of the lenders that actively deliver loans to Fannie Mae. His team evaluates lender performance for compliance with the Selling and Servicing Guide requirements, and ensures appropriate operational controls are in place in loan manufacturing and post-closing. Overall, Tom has been in the mortgage industry for over 40 years. Prior to joining Fannie Mae, he was a Senior Vice President with a large national bank responsible for administration of their affordable housing programs. In this area, he was a frequent panelist at housing conferences and an industry advisor. Tom has also held leadership positions in Sales, Loan Operations, Production Support and Compliance at several large financial institutions. He holds an MBA in Finance from Loyola University of Chicago, and a bachelor’s degree in Finance from the University of Notre Dame.

  • Special Session: The Crime Scene: FBI Update on Fraud

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Kyle Armstrong, Supervisory Special Agent, Money Laundering, Forfeiture, Bank Fraud Unit, Federal Bureau of Investigations

    Jennifer Link, Vice President of Fraud Investigations, Caliber Home Loans, Inc.

    General Session,

    Special Event

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    Learn what to watch out for directly from law enforcement officials. Our expert speaker shares the latest fraud schemes he is seeing in the residential mortgage industry.

    Speaker(s)

    Kyle Armstrong, Supervisory Special Agent, Money Laundering, Forfeiture, Bank Fraud Unit, Federal Bureau of Investigations

    Supervisory Special Agent (SSA) Kyle C. Armstrong is currently a program manager within the FBI’s Money Laundering, Forfeiture, Bank Fraud Unit. SSA Armstrong supervises bank fraud, mortgage fraud, and money laundering investigations for FBI field offices and manages the Virtual Currency Initiative for FBI. Since joining the FBI in 2008, SSA Armstrong has been involved in the identification and investigation of “white collar crimes” such as money laundering, bank fraud, mortgage fraud, wire fraud, mail fraud, and identity theft at FBI HQ, Chicago, and Phoenix. 

    Jennifer Link, Vice President of Fraud Investigations, Caliber Home Loans, Inc.

    Jennifer Link is the Vice President of Caliber Home Loans Financial Crimes and Fraud Investigation Unit, responsible for the Enterprise Fraud Risk Program. Jennifer has led fraud investigation units for several large lenders, specializing in mortgage and employee frauds. As the Bank Secrecy Act/Anti-Money Laundering Officer, Jennifer is responsible for the companies Anti-Money Laundering program. Jennifer leads a team of accomplished investigators. Jennifer is the current MBA Fraud Sub-Committee chair.  

Monday, September 16, 2019

  • Opening General Session: Balancing Risks in a Changing Market

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

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

    James M. Deitch, CMB, CPA, Chief Executive Officer, Teraverde Financial

    Robert D. Broeksmit, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    John Stocchetti, Executive Vice President and Group Head, Mortgage Partnership Finance® (MPF®) Program, Federal Home Loan Bank of Chicago

    General Session

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    The industry is experiencing large swings in volume given the movements in rates.  Many lenders are moving to a more digital process in an effort to lower costs, increase efficiency, and improve the customer experience.  Our opening general session explores how these trends impact risk managers.  Featured speakers address the current operating environment for lenders, the use of technology in risk management, and challenges and opportunities you will face in the year ahead. 

    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.

    James M. Deitch, CMB, CPA, Chief Executive Officer, Teraverde Financial

    James M. Deitch is an entrepreneur, having founded two national banks, several mortgage banking ventures, and four technology-oriented companies.  He currently serves as co-founder and CEO of Teraverde group of companies. Teraverde is a professional advisor to financial services companies.  Teraverde helps banks and mortgage bankers achieve greater profitability, streamlined operations and process improvement while staying fully compliant with regulatory requirements.  Teraverde offer Coheus®, a profit intelligence platform to increase lender profitability. Prior to Teraverde, Deitch was co-founder, Chairman and CEO of American Home Bank N.A.  Under Deitch’s leadership, American Home Bank has been cited as one of the fastest growing companies in the United States by INC. Magazine. The Bank was named one of the top 50 residential lenders in the United States by SourceMedia, publisher of American Banker.  American Home Bank was ultimately acquired by BBT.

    Jim is a frequent author for industry publications.  Most recently, he authored “Digitally Transforming the Mortgage Banking Industry”, which was a #1 best selling new release in its category.  His next book, “Strategically Transforming the Mortgage Banking Industry” was released in October, 2018.  It attained #1 best selling new release in its category.

    Robert D. Broeksmit, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    Robert Broeksmit (Bob) is President and CEO of the Mortgage Bankers Association (MBA).  Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management. He has also served as a mortgage underwriting expert testifying on many large, high-profile cases. Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry. As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.

    Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years. He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion. He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store. Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors. Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

    John Stocchetti, Executive Vice President and Group Head, Mortgage Partnership Finance® (MPF®) Program, Federal Home Loan Bank of Chicago

    John Stocchetti has been with the Bank since 2006 and is currently Executive Vice President and Group Head of the Mortgage Partnership Finance® (MPF®) Program, a responsibility he assumed in January 2014. From May 2008 to January 2014, Mr. Stocchetti was Executive Vice President and Group Head, Products and Operations (formerly Products, Operations, and Technology), where he led a number of initiatives to upgrade, re-organize, and re-engineer the Bank’s operations and technology. Mr. Stocchetti served as Senior Vice President, Project Premier Director of the Bank from 2006 to 2008, where he led the effort to implement an enterprise-wide systems platform that is now the Bank's main operating platform. Prior to joining the Bank, Mr. Stocchetti served in several positions from 2004 to 2006, including Chief Financial Officer, at Ritchie Capital Management, LLC, a multi-strategy hedge fund. Previously, Mr. Stocchetti served in various capacities from 1997 to 2004, including CEO, with Learning Insights, Inc., an e-learning internet company. From 1995 to 1997, Mr. Stocchetti was a Senior Vice President with NationsBank where he was the head of interest rate derivatives operations on a global basis and the Chief Operating Officer of NationsBank Financial Products, a AAA-rated derivatives company. From 1978 to 1995, Mr. Stocchetti was with Continental Bank in Chicago, Illinois, where he held various positions, the latest of which was as a Managing Director of Derivative Products. Mr. Stocchetti holds a Masters of Business Administration from the University of Chicago and earned a Bachelors of Science in economics from the University of Illinois at Chicago. Mr. Stocchetti served as an adjunct professor at the Illinois Institute of Technology where he taught classes for six years in the graduate level Financial Markets and Trading program. 

  • General Session: VA, FHA and USDA Update

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Jack Higgins, Director, Quality Assurance Division, Federal Housing Administration

    Brian J. Cantrell, Program Analyst, Quality Assurance Team, U.S. Department of Veterans Affairs

    Michelle Corridon, Deputy Director, Single Family Housing Guaranteed Loan Division, Rural Development, United States Department of Agriculture

    Chrissi Johnson, Vice President of Federal Policy and External Affairs, Quicken Loans

    General Session

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    Join representatives from the VA, FHA and USDA for a briefing on the challenges involved in government lending programs. Government representatives will be there to answer questions and discuss the challenges you face in your underwriting and QC operations.

    Speaker(s)

    Jack Higgins, Director, Quality Assurance Division, Federal Housing Administration

    Jack Higgins is the Director of FHA’s Quality Assurance Division, which is part of Single Family Housing’s Office of Lender Activities and Program Compliance at HUD headquarters.  He joined HUD in 2010 as a Presidential Management Fellow and has served in various roles within the Office of Single Family Housing, primarily as a policy analyst and manager of special projects.  In 2017, he spearheaded the effort to design and deploy FHA’s Loan Review System, which implemented a new Defect Taxonomy and streamlined FHA’s quality assurance processes.  Prior to joining HUD, Jack worked as a consultant for nonprofits, state and local governments, and other public-sector institutions.  He was also a volunteer coordinator for a small international development organization, and he worked for several years as a homebuilder.  He has a BA in International Relations from the University of Virginia and an MPA from the University of Pennsylvania.

    Brian J. Cantrell, Program Analyst, Quality Assurance Team, U.S. Department of Veterans Affairs

    Brian Cantrell is a Quality Assurance Team Member with the Department of Veterans Affairs, Home Loan Guaranty Program. He joined the VA Home Loan Guaranty Program in 2014 working in various roles as a program specialist and quality assurance auditor.  Prior to joining the Department of Veterans Affairs, he worked for Branch Banking and Trust as a loan officer after graduating from BB&T’s leadership development program. Before banking he served in the United States Navy as a Naval Officer. Brian has a BA in management with a minor in Leadership from Virginia Tech.

    Michelle Corridon, Deputy Director, Single Family Housing Guaranteed Loan Division, Rural Development, United States Department of Agriculture

    Michelle C. Corridon is the Deputy Director of USDA Rural Housing Service’s Single Family Housing Guaranteed Loan Division based in Washington, DC.  She has over 28 years of housing finance experience encompassing strategic planning, community development, policy analysis, credit loss mitigation strategy, and communications.  In her role as Deputy Director, she leads high impact policy and procedure implementation along with process improvement, stakeholder engagement, budgeting, and human resources for the $24 billion dollar loan guarantee program.  Prior to assuming her current duties in September 2015, she served as a Senior Policy Analyst at the Federal Housing Finance Agency in the Office of Housing and Regulatory Policy where she focused on project and program management.  From 2008 to 2012, she was a Rural Housing Service loan specialist concentrating on lender eligibility, compliance, and program risk management.  She began her career at the Farmers Home Administration originating and servicing single family housing and farm loans.  Michelle is a graduate of Virginia Tech and the Partnership for Public Service Excellence in Government program and holds Project Management Professional and Lean Six Sigma Green Belt certificates.  She resides in Ashland, Virginia with her two children.

    Chrissi Johnson, Vice President of Federal Policy and External Affairs, Quicken Loans

    Chrissi Johnson is Vice President for Federal Policy and External Affairs at Quicken Loans. In this role, she coordinates the Quicken Loans and the Family of Companies’ position on mission-critical Federal public policy issues covering a broad spectrum of topics, including financial regulatory reform, GSE reform, HUD/FHA reform, private-label securitization (PLS) reform, and legal barriers to Fintech innovation. She leads all third-party stakeholder outreach efforts, including trade associations, consumer advocacy and civil rights groups, think tanks, market peers, and Washington, D.C. financial beat reporters. She also develops and executes strategic plans to advocate for these critical policy issues. Before joining Quicken Loans, she served as Chief of Staff of the Division of External Affairs at the Consumer Financial Protection Bureau (CFPB). Prior to the CFPB, she was Director of Scheduling for Elizabeth Warren’s Senate campaign, worked with Senator Al Franken, the Democratic National Committee, and President Barack Obama’s 2008 Presidential campaign in Missouri.

  • General Session: Risk Management Leaders Panel

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Cheryl Feltgen, Executive Vice President, Arch Mortgage Insurance Company

    Helen Law, SVP, Quality Control & Investor Delivery, Texas Capital Bank, N.A.

    Jennifer Link, Vice President of Fraud Investigations, Caliber Home Loans, Inc.

    William H. Brewster, Senior Vice President, Quality Assurance, PNC Bank, National Association

    Suzanne Shuck, Executive Vice President and Chief Risk Officer, Freedom Mortgage Corporation

    General Session

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    Our closing general session of the day features leading mortgage executives discussing key risks and trends impacting today’s tough market.

    Speaker(s)

    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.

    Helen Law, SVP, Quality Control & Investor Delivery, Texas Capital Bank, N.A.

    Helen has been in the mortgage business for over 25 years. She has competencies in many facets of mortgage banking including Correspondent Lending Operations, Secondary Marketing, Warehouse Lending, and Product Development. Helen currently manages QA, QC, and the delivery of loans to the GSE’s for the Correspondent Lending Division at Texas Capital Bank. Helen first began her career at Countrywide Home Loans in Pasadena, California.  After moving to Dallas, she worked as a NASDAQ Market Maker for a broker/dealer.  Prior to joining TCB, she managed Portfolio Retention & Marketing for a national subprime wholesaler, oversaw Pre-Purchase Review Operations for CitiMortgage’s Correspondent Lending Division and ran Quality Control and Compliance for a privately-owned retail lender.  Helen currently resides in Plano Texas with her husband and two teenage daughters, is an avid golfer, and loves spending summer vacations at their home on Gun Lake, Michigan.

    Jennifer Link, Vice President of Fraud Investigations, Caliber Home Loans, Inc.

    Jennifer Link is the Vice President of Caliber Home Loans Financial Crimes and Fraud Investigation Unit, responsible for the Enterprise Fraud Risk Program. Jennifer has led fraud investigation units for several large lenders, specializing in mortgage and employee frauds. As the Bank Secrecy Act/Anti-Money Laundering Officer, Jennifer is responsible for the companies Anti-Money Laundering program. Jennifer leads a team of accomplished investigators. Jennifer is the current MBA Fraud Sub-Committee chair.  

    William H. Brewster, Senior Vice President, Quality Assurance, PNC Bank, National Association

    Bill Brewster is Senior Vice President and Quality Director for Enterprise Testing Services at PNC Bank in Downers Grove, Illinois.  In this role, Bill leads teams responsible for testing the bank’s mortgage origination and servicing processes and controls to ensure adherence with internal, investor and regulatory requirements.  Bill has over 30 years of experience in financial services, including senior management positions in quality assurance, compliance, production support, credit policy, underwriting, and fraud investigation.  Prior to joining PNC in July 2012, he directed mortgage fraud investigations and reporting for Fannie Mae.  Bill is a U.S. Air Force veteran, and a former vice chairman of the Mortgage Bankers Association of America’s Quality Assurance and Regulatory Compliance Committees.  He holds BA and MA degrees from the State University of New York at Albany.

    Suzanne Shuck, Executive Vice President and Chief Risk Officer, Freedom Mortgage Corporation

    Susie Shuck has 29 years in the mortgage banking industry, with expertise in the areas of risk management, quality, corporate operations, and internal audit in both publicly traded and privately owned organizations.  Ms. Shuck has been in charge of the Risk Management Division for Freedom Mortgage Corporation for the last thirteen years, previously working in a similar capacity for Irwin Mortgage, which was acquired by Freedom. Ms. Shuck has dedicated her career to promoting best practices in all aspects of mortgage banking and corporate operations, specializing in regulatory, operational, and credit risk, including quality control and ensuring effective, compliant, and sound control environments. She holds both a B.S. and MBA in Business Administration, majoring Finance. She is a graduate of both MBA’s School of Mortgage Banking and Future Leaders Program, & was nominated as one of Housing Wires’ 2016 Women of Influence.  Ms. Shuck has previously attained professional certifications as Certified Internal Audit (CIA), Certificate Risk Professional (CRP), and Certified Bank Auditor (CBA).




Tuesday, September 17, 2019

  • Closing Super Session: RMQA19 Wrap-up (Closed to Media)

    Location: Chicago 6,
    Ballroom - Level 4


    Speaker(s)

    Bob Simpson, President, Archimediation, LLC

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

    Suzanne Shuck, Executive Vice President and Chief Risk Officer, Freedom Mortgage Corporation

    David O'Malley, Director of Loan Quality Solutions, LoanLogics

    General Session

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    End RMQA19 with our Closing “Super Session” designed for an open discussion of the top industry issues highlighted at this year’s conference. Solidify what you have learned by taking part in our interactive audience polling and leave with tools to help your organization remain competitive and successful.

    Speaker(s)

    Bob Simpson, President, Archimediation, LLC

    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.

    Suzanne Shuck, Executive Vice President and Chief Risk Officer, Freedom Mortgage Corporation

    Susie Shuck has 29 years in the mortgage banking industry, with expertise in the areas of risk management, quality, corporate operations, and internal audit in both publicly traded and privately owned organizations.  Ms. Shuck has been in charge of the Risk Management Division for Freedom Mortgage Corporation for the last thirteen years, previously working in a similar capacity for Irwin Mortgage, which was acquired by Freedom. Ms. Shuck has dedicated her career to promoting best practices in all aspects of mortgage banking and corporate operations, specializing in regulatory, operational, and credit risk, including quality control and ensuring effective, compliant, and sound control environments. She holds both a B.S. and MBA in Business Administration, majoring Finance. She is a graduate of both MBA’s School of Mortgage Banking and Future Leaders Program, & was nominated as one of Housing Wires’ 2016 Women of Influence.  Ms. Shuck has previously attained professional certifications as Certified Internal Audit (CIA), Certificate Risk Professional (CRP), and Certified Bank Auditor (CBA).




    David O'Malley, Director of Loan Quality Solutions, LoanLogics

    David J. O’Malley is a recognized expert in quality control technology and services and holds the position of Director of Quality Solutions for LoanLogics. In his role, he helps guide the company’s quality control product roadmap and works closely with mortgage lenders to apply automated data validation prior to loan review and best practice audit workflows to their quality management procedures.

    With over 25 years in the financial services industry, his experience includes the establishment of two quality assurance outsourcing operations and co-founding a company that produced one of the first commercially sold quality assurance systems in the country.

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