Risk Management, QA & Fraud Prevention Forum 2017

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

Tuesday, September 26, 2017

  • Hot Topics in Underwriting and Regulatory Compliance

    Location: Chopin Ballroom,
    Second Level


    Speaker(s)

    Peter Kirby, Chief Executive Officer, Factom

    Kathleen Ryan, Counsel, Buckley Sandler, LLP

    Ben Wu, Executive Director, LoanScorecard

    Joy Gilpin, Vice President of Mortgage Learning & Compliance, Indecomm

    Concurrent Session,

    Underwriting and Compliance

    The new Home Mortgage Disclosure Act (HMDA) data collection requirements go into effect January 1, 2018, giving regulators unprecedented visibility into how lenders’ underwrite and price loans. Lenders need to be prepared to defend each loan file individually. Expert panelists focus on underwriting practices and how new technologies, such as Blockchain, may allow for the creation of compliance preservation.

    Speaker(s)

    Peter Kirby, Chief Executive Officer, Factom

    Peter Kirby is the Co-founder & CEO of Factom , the first usable blockchain technology to solve real world business problems by providing an unalterable record keeping system. A pioneer in his field, Peter works with leaders in financial services, government and law to address the most complex data security issues around the globe. A seasoned entrepreneur, Peter has spent the past 15 years involved in numerous successful early-stage tech companies and possesses a deep knowledge of business development and community-based marketing in the technology sector. His ventures have ranged from neurological supplements and investment financing to commercial development and real estate. As a leader in the blockchain space, Peter has led multi-million dollar operations and was the driving force behind delivering major products to market.

    Peter’s expertise in distributed ledger technology has made him a sought-after speaker across the world, where he has presented at conferences including the Land and Poverty Conference 2016, American Banker Digital Currency Conference, and Urban Land Institute Summit . Peter is also a trusted source for leading outlets such as The Wall Street Journal, Financial Times and numerous other industry trade publications. Peter earned his degree in biochemistry from Lehigh University in Bethlehem, PA and later pursued his MBA in Entrepreneurship from the Acton School of Business in Austin, TX, where he graduated Summa Cum Laude. 

    Kathleen Ryan, Counsel, Buckley Sandler, LLP

    Kathleen “Kitty” Ryan, former Deputy Assistant Director for the Office of Regulations at the CFPB, is Counsel* in the Washington, DC office of BuckleySandler LLP. Ms. Ryan combines public sector and in-house experience to offer unique insights for companies navigating in a heightened regulatory environment. She counsels financial services clients regarding a wide range of regulatory and compliance matters, particularly those involving mortgage regulation and fair lending.  During her time at the CFPB, Ms. Ryan’s areas of responsibility included the completion of two of the Bureau’s largest mortgage rules: the TILA-RESPA Integrated Disclosure or Know Before You Owe rule; and the Home Mortgage Disclosure Act amendments. She was also responsible for helping to build out the Bureau’s regulatory implementation efforts, which are aimed at assisting the industry in understanding and complying with new regulations. In addition, Ms. Ryan also supervised the CFPB’s ongoing rulemaking regarding debt collection, and advised on the CFPB’s fair lending enforcement efforts and its Business Data Lending Rule.  Prior to joining the CFPB, Ms. Ryan was a Senior Regulatory Counsel at JPMorganChase where she advised multiple lines of business—including mortgages, credit cards, auto loans, student loans, and deposit products—regarding compliance with consumer financial protection statutes, fair lending, and the prohibition on unfair, deceptive, or abusive acts or practices (UDAAPs).  Prior to joining the bank, Ms. Ryan spent more than a decade in the Division of Consumer and Community Affairs, Regulations Section, on the Board of Governors of the Federal Reserve, where she was the lead attorney for mortgage-related issues, advised on fair lending matters, and participated in rulemakings under the Equal Credit Opportunity Act, HMDA, the Truth in Lending Act, and the Community Reinvestment Act. Before joining the FRB, she served as an attorney in the Civil Rights Division at the Department of Justice and in the Office of General Counsel at the Department of Education.

    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.  Wu holds a bachelor’s degree from the University of California Berkeley and a master’s degree in computer science from Stanford University.

    Joy Gilpin, Vice President of Mortgage Learning & Compliance, Indecomm

    Joy holds the position of Vice President, Mortgage Learning and Compliance at Indecomm Global Services. Her role requires a keen understanding of the lending process, regulatory oversight, and risk mitigation. Prior to joining Indecomm, Joy was Director of Business Writing and Education for Ellie Mae, supporting the AllRegs product offering. She built the Business Writing team and has a long history of advocating for compliance and efficiency in the mortgage lending space. With nearly 20 years of professional expertise in the lending space, she provides great insight and understanding of the challenges lenders face today and brings a tremendous energy and enthusiasm to the table, making her a highly effective educator and leader. 

    Joy has created policy and educational content to support highly efficient lending and underwriting practices that are compliant with regulations. She led the charge for nationwide licensure as the Compliance Manager with Indecomm where she established herself as a leading expert in the industry. She spent over five years working with a wide swath of industry professionals creating and implementing tools that support regulatory oversight while helping practitioners. Joy can be reached at joy.gilpin@indecomm.net.

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