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Schedule subject to change.

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

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Monday, January 22, 2018

Tuesday, January 23, 2018

  • Read more Read less

    Staff from MBA Education, alongside Deb Killian from Charter Oak Lending, will discuss the benefits of MBA Education’s enhanced suite of loan origination training offerings.  In partnership with Charter Oak Lending, MBA Education has built a robust program that can help member companies increase the core competencies and sales ability of their production team.  The suite of offerings starts with a new, one-of-a-kind NMLS Pre-Licensing course delivered in a recorded video format.  Students can then move to School of Loan Origination I for foundational training aimed at reducing the “number of touches” on the loan file, and finally concluding with School of Loan Origination II that helps loan officers grow their pipeline and production volume.  For more information, please contact Kathy Ryan at kryan@mba.org.  

  • Registration

    Location: The Ritz-Carlton Ballroom Foyer

    Registration

  • Continental Breakfast

    Location: The Ritz-Carlton Ballroom Foyer

    Breakfast

  • Exhibit Area Open

    Location: The Ritz-Carlton Ballroom Foyer

    Exhibit Hours

  • OPENING GENERAL SESSION: What Is Your Legacy?

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

    Brad Meltzer, New York Times Bestselling Author, Host of Lost History and Decoded

    David Motley, CMB, 2018 MBA Chairman, President, Colonial Savings, F.A.

    David H. Stevens, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    Bill Cosgrove, CMB, Chief Executive Officer, Union Home Mortgage

    General Session

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    In our inspirational opening session, get energized by welcome remarks from industry leaders Bill Cosgrove, Dave Motley and Dave Stevens, followed by our featured speaker Brad Meltzer. Meltzer believes ordinary people can change the world. A New York Times bestselling author, host of Brad Meltzer’s Lost History on H2 and Brad Meltzer’s Decoded on the History Channel, he asks us to explore how we will be remembered and reminds us that our accomplishments and job title may not define our legacy. Join us for this inspiring and thought-provoking Ted-style talk that will never let you look at your life the same way again.

    Speaker(s)

    Brad Meltzer, New York Times Bestselling Author, Host of Lost History and Decoded

    Brad Meltzer is the #1 New York Times bestselling author of The Inner Circle, The Book of Fate, and nine other bestselling thrillers.  In addition to his fiction, Brad is one of the only authors to ever have books on the bestseller list for Non-Fiction (History Decoded), Advice (Heroes for My Son and Heroes for My Daughter), Children’s Books (I Am Amelia Earhart and I Am Abraham Lincoln) and even comic books (Justice League of America), for which he won the prestigious Eisner Award.  He is also the host of Brad Meltzer’s Lost History on H2 and Brad Meltzer’s Decoded on the History Channel. Brad is also responsible for helping find the missing 9/11 flag that the firefighters raised at Ground Zero, making national news on the 15th anniversary of 9/11. Using his TV show, Brad Meltzer's Lost History, he told the story of the missing flag and asked Americans for their help in returning it.  Four days later, a former Marine walked into a fire station in Everett, Washington, said he saw Meltzer's TV show, and now wanted to return the flag. Meltzer recently unveiled the flag at the 9/11 Museum in New York, where it is now on display.  Successful in many different mediums of popular culture, he believes that ordinary people change the world. It is that core belief that runs through every one of his projects.

    David Motley, CMB, 2018 MBA Chairman, President, Colonial Savings, F.A.

    David Motley, CMB Chairman of the Mortgage Bankers Association, is President of Colonial Savings, F.A. and its divisions -- Colonial National Mortgage and CU Members Mortgage. David has been an active member of MBA for more than two decades and has served in a variety of leadership roles. Recognized for his service to the industry, David is a recipient of MBA's Andrew D. Woodard Distinguished Service. Dedicated to grassroots advocacy, he has also been an active member of the Texas MBA since 1995.

    David H. Stevens, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    David Stevens, CMB is President and CEO of the Mortgage Bankers Association (MBA). Prior to assuming this position, Dave served as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD). Dave has more than 30 years of experience in mortgage finance and has held several executive level positions in sales, acquisition, investment, risk management and regulatory oversight, including positions in senior management with Wells Fargo, Freddie Mac and World Savings. Prior to his appointment by the Obama Administration to serve at HUD, Dave was President and COO of the Long and Foster Companies. He is known inside the beltway as a key housing influential; serving as an industry authority on major mortgage finance legislative and regulatory issues. Dave is often quoted in the national media and regularly appears trade media on issues affecting the mortgage and housing markets. In 2013, Dave received the National Association of Hispanic Real Estate Professionals (NAHREP) Founders Award, presented to individuals that have distinguished themselves by their work in support of sustainable Hispanic homeownership to improve the quality of life for Hispanics in America. He has been named to Bloomberg’s “50 Most Powerful People in Real Estate” list, and twice recognized as one of the “Top 100 Most Influential Real Estate Leaders” by Inman News and named one of Swanepoel REAL ESTATE TRENDS Report’s top ten "Newsmakers" of the year. Most recently, Dave was named to Mortgage Professional America's "The Hot 100 List." Dave received the Certified Mortgage Banker designation in October, 2015. He currently serves on the Hope Loan Port board of directors, the board of MBA Opens Doors Foundation, MBA's national 501(c) 3 nonprofit organization for philanthropic ventures, and as an advisory board member of the newly formed J. Ronald Terwilliger Foundation for Housing America's Families.

    Bill Cosgrove, CMB, Chief Executive Officer, Union Home Mortgage

    Bill Cosgrove, served as the 2015 Chairman of the Mortgage Bankers Association. He is the Owner and CEO of Union Home Mortgage Corp. headquartered in Strongsville, Ohio. His mortgage banking career began in 1986 as a residential loan officer. In 1994 Mr. Cosgrove joined Union National Mortgage Co. and in 1998 was named President. Mr. Cosgrove purchased and became 100% stockholder of the company in 1999. In 2013, the Company’s name was changed to Union Home Mortgage Corp. to reflect the Company’s mission of supporting successful homeownership in America. In 2007-2008 Mr. Cosgrove was President of the Ohio Mortgage Bankers Association. He is the first person from Ohio to serve as both President of the Ohio MBA and Chairman of National MBA. He has served the National Mortgage Bankers Association’s Residential Board of Governors, the Steering Committee of RESBOG and currently serves the Board of Directors as Chairman. From 2008 to 2010, Bill was the National Chairman for MBA’s MORPAC Committee. This prestigious appointment consists of leading the fund raising efforts for MORPAC throughout the country. MORPAC raised $1.1 million for industry activism during Bill’s Chairmanship of MORPAC. In 2000 at the age of 38 he was named in Crain’s Cleveland Business “40 under 40” honored as one of the top 40 young executives in Northeast Ohio. In 2003 Mr. Cosgrove was inducted into the Bedford, Ohio High School Distinguished Hall Of Fame for his accomplishments in Mortgage Banking. In 2004, he earned the coveted Certified Mortgage Banker designation (CMB). In 2008, he was awarded the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association and In 2011 Bill was awarded the National Mortgage Bankers Associations Burton C. Wood, National Legislative Service Award for his superior legislative efforts representing the mortgage banking industry and in 2016 Bill was awarded MBA’s Andrew Woodward Distinguished Service Award – the honest honor bestowed on an individual of the association. Mr. Cosgrove has testified on behalf of the industry in Washington D.C before the House Financial Services Sub Committee, Senate Banking Committee and the Ohio House of Representatives. He has been interviewed by national publications, The Wall Street Journal, USA Today, numerous trade publications, national and local news networks.

  • Refreshment Break in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Refreshment Break

  • GENERAL SESSION: Agency Update

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

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

    Pete Mills, Senior Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Justin Wiseman, Associate Vice President and Managing Regulatory Counsel, Mortgage Bankers Association

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Dan Fichtler, Director, Housing FInance Policy, Mortgage Bankers Association

    General Session

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    Due to the government shutdown, our speakers had to cancel their attendance. Instead, MBA staff members and subject matter experts will provide an overview and analysis of pertinent issues at Ginnie Mae, FHA and HUD overall.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President, Research and 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, serves on the CSP's Industry Advisory Group, and is chair of 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.

    Pete Mills, Senior Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, directs MBA's residential member engagement and recruitment efforts, and oversees business development for industry education and professional development programs under the MBA Education brand. Pete is a regular guest speaker on major policy issues.  Mills is an experienced financial services industry executive with 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Most recently, he served as Managing Director of the Community Mortgage Banking Project, a public policy organization that represents the interests of companies and coalitions involved in the housing and mortgage finance industries.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board.

    Justin Wiseman, Associate Vice President and Managing Regulatory Counsel, Mortgage Bankers Association

    Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry. Justin assisted the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Justin also worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for a federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues.

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of over twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, and is a regular guest speaker on the intersection of politics, policy, and industry issues.  Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB). During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach. He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration.

    Dan Fichtler, Director, Housing FInance Policy, Mortgage Bankers Association

    Dan Fichtler is Associate Director of Secondary and Capital Markets at the Mortgage Bankers Association. In this role, he covers issues related to agency and non-agency securities markets, including the activities of the Federal Housing Finance Agency, Fannie Mae and Freddie Mac, Ginnie Mae, and the Federal Home Loan Banks. Dan is also the primary staff representative overseeing MBA’s Secondary and Capital Markets Committee and REIT Executive Council.  Prior to joining MBA, Dan was a policy advisor at the U.S. Department of the Treasury, where he served on the staff of the Financial Stability Oversight Council. He has also served as an advisor to the majority staff of the Senate Banking Committee, during which time he helped draft the Johnson-Crapo housing finance reform legislation.

  • GENERAL SESSION: Future of the State Regulatory System

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

    John Ryan, President and Chief Executive Officer, Conference of State Bank Supervisors (CSBS)

    Mark A. Jones, Chief Executive Officer and Co-Founder, AmeriFirst Home Mortgage

    General Session

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    The Conference of State Bank Supervisors (CSBS) President and CEO John Ryan will share his organization’s views about how the multi-state system that regulates IMBs can be strengthened and made more efficient. CSBS has developed plans to modernize and harmonize the state regulatory system for non-banks and financial technology firms through a series of initiatives entitled Vision 2020. Learn about how these initiatives have the potential to transform the interaction between industry, regulators, and consumers by leveraging technology and smart regulatory policy through a integrated 50-state licensing and supervisory system.

    Speaker(s)

    John Ryan, President and Chief Executive Officer, Conference of State Bank Supervisors (CSBS)

    John Ryan is the president and chief executive officer of the Conference of State Bank Supervisors, the national organization of financial regulators from all 50 states and U.S. territories. Since becoming president and CEO in 2011, Mr. Ryan has provided strategic leadership in advancing the system of state financial supervision. Mr. Ryan previously served as CSBS’s Executive Vice President, and Assistant Vice President of Legislative Affairs. Mr. Ryan also led the financial services consulting practice at a public affairs firm, and worked on the U.S. House Banking, Finance and Urban Affairs committee.

    Mark A. Jones, Chief Executive Officer and Co-Founder, AmeriFirst Home Mortgage

    Mark A. Jones co-founded Kalamazoo-based AmeriFirst Home Mortgage in 1986. As CEO of the community mortgage banker, Mark and the leadership team at AmeriFirst have seen the company grow to serve over a dozen states through nearly 70 branches and 600 employees.  Named one of the “Fastest Growing Private Companies in America” by Inc. Magazine for the past 6 years in a row, AmeriFirst is the #1 USDA rural housing lender in the state of Michigan, the #3 FHA lender in Michigan, and one of the 50 largest FHA lenders in America. In recent years, AmeriFirst has begun to service the loans it originates in house, and currently manages a servicing portfolio of over $3.6 Billion.  Mark currently serves on the Board of Directors for the Mortgage Bankers Association and Southwest Michigan First. He is an active member of the Community Home Lenders Association and Michigan Mortgage Lenders Association, and is frequently lobbying in Washington, D.C. on a number of issues facing mortgage lenders today. In 2016 Mark was named the Ernst & Young Entrepreneur of the Year for Michigan and Northwest Ohio.

  • Networking Luncheon in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Lunch,

    Networking Opportunities

  • BUSINESS OPERATIONS AND COMPLIANCE TRACK: Not If, But When: Understanding Risks in Disaster Prone Areas

    Location: Talbot Ballroom E


    Speaker(s)

    Edgar Bright, III, CMB, AMP, President, Chief Executive Officer Chief Executive Officer, Standard Mortgage Corporation

    Ali Vafai, President, The Money Source Inc.

    Sara Singhas, Assistant Regulatory Counsel, Mortgage Bankers Association

    Concurrent Session,

    Business Operations and Compliance Track

    Read more Read less

    After the recent hurricanes and wildfires, developing policies to work with borrowers in disaster prone areas has never been more relevant. This session explores how some smart planning can prevent headaches for your business in the event of a natural disaster, as well as the best ways to work with borrowers and understand government policies in the immediate aftermath.

    Speaker(s)

    Edgar Bright, III, CMB, AMP, President, Chief Executive Officer Chief Executive Officer, Standard Mortgage Corporation

    Edgar Bright, III, CMB and AMP is the President, Chief Executive Officer, Treasurer and Board Co-Chairman at Stand Mortgage Corporation.  Mr. Bright joined Standard Mortgage Corporation in 1989 as the Vice President of Residential Loan Production. He became President in 1995.  Before joining Standard Mortgage, Mr. Bright was the founder and Chairman of the Board of Directors for Virtual Enterprises, Inc. a value-added computer reseller based in Denver, CO from 1981 to 2001. Virtual's sales exceeded $165 million in 2000. Mr. Bright sold his interest in the company in 2001.  Mr. Bright graduated from the University of Colorado in 1978 with a BS in Mathematics and Computer Science and received his Certified Mortgage Bankers designation in 2001. He served on the Fannie Mae Southwest Advisory Board from 1997 through 2002.  Mr. Bright is a member of the Young Presidents' Organization, an international association of 8,000 global business leaders.

    Ali Vafai, President, The Money Source Inc.

    Ali Vafai is the President of The Money Source Inc.  Ali is a tenured leader in the financial world who has led the company’s rapid growth into a top 15 lender. Blazing a path in technological innovation across the mortgage lending and servicing industry, Ali was recognized by National Mortgage Professional as one of the Next 40 Mortgage Professionals to Watch, as well as named one of HousingWire’s Rising Stars. Prior to The Money Source, Ali was the President of Pacific Union Financial, as well as co-founder and President of Bay Equity. His expert insight has been featured in Scotsman Guide, Investopedia, CIO Insight, The Mortgage Reports, National Mortgage News, Realtor.com, and U.S. News & World Report.

    Sara Singhas, Assistant Regulatory Counsel, Mortgage Bankers Association

    Sara Singhas is Associate Regulatory Counsel in the Public Policy and Industry Relations department where she focuses on residential servicing issues. In her role, she evaluates the impact of federal legislation and administrative rulemaking on servicing operations, profitability, and efficiency and works with government agencies to improve and streamline servicing requirements. Sara serves as the staff representative for the MBA Loan Administration Committee and FHA Servicing Subcommittee. Prior to joining MBA, Sara worked with the Community Mortgage Banking Project and previously served as general counsel to the National Association of Secondary School Principals.

  • INNOVATION AND STRATEGY TRACK: Ten Things Your Mortgage Company Must Do in 2018

    Location: Talbot Ballroom D


    Speaker(s)

    Michael D. McAuley, Principal, Garrett, McAuley & Co.

    Concurrent Session,

    Innovation and Strategy Track

    Read more Read less

    For most companies, 2017 was a challenge with volumes dropping and profits shrinking. Attend this session for a Top Ten list of strategic initiatives to implement in 2018. These very specific and very actionable suggestions will help you and your team focus on what will increase revenues, control costs, and better manage risk, not only in 2018, but every year thereafter. And they’re all things you can start to work on right away.

    Speaker(s)

    Michael D. McAuley, Principal, Garrett, McAuley & Co.

    Michael D. McAuley is a Principal of Garrett, McAuley & Co., a banking and mortgage banking consulting firm that helps lenders increase revenues, control costs and better manage risk. Mike has more than twenty years of commercial banking experience in financing mortgage bankers, homebuilders, and related firms, most recently at JP Morgan Chase.  Mike is an acknowledged expert in the field of mortgage banking and warehouse lending, and he consults with banks, mortgage bankers, credit unions, and regulators. He focuses on assisting mortgage bankers with improving their strategies, finances, compliance, secondary marketing, and operations.  Mike is a graduate of Georgetown University in Washington, D.C.; a past chairman of the RMA Warehouse Lenders Roundtable; member of the Warehouse Lending Subcommittee at the Texas Mortgage Bankers Association; and a Graduate with Distinction, Willis Bryant Award finalist, and Lecturer at the School of Mortgage Banking.

  • Refreshment Break in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Refreshment Break

  • BUSINESS OPERATIONS AND COMPLIANCE TRACK: Three Great Ideas to Tighten Your Operational Efficiency

    Location: Talbot Ballroom E


    Speaker(s)

    Gwen Muse-Evans, MBA, PMP, CFCP, President and Chief Executive Officer, GME Enterprises

    David L. Lykken, Founder and Chief Transformational Officer, Transformational Mortgage Solutions

    Brent A. Chandler, Founder & Chief Executive Officer, FormFree

    Frank Fiore, President, Matchbox, LLC

    Concurrent Session,

    Business Operations and Compliance Track

    Read more Read less

    Need ideas to optimize your process, contain costs or better manage staffing?  Three industry experts offer effective and innovative solutions to challenges they’ve faced head-on.

    Speaker(s)

    Gwen Muse-Evans, MBA, PMP, CFCP, President and Chief Executive Officer, GME Enterprises

    Gwen Muse-Evans is the President and CEO of GME Enterprises, a management consulting and professional services firm that specializes in providing risk management, operations management and housing finance advisory services. GME Enterprises promotes best practices for operational efficiencies, internal controls and risk management and has assisted corporate, nonprofit and government clients to achieve enhanced financial and operational results. Ms. Muse-Evans has a 30-year tenure in the financial services industry. She 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 Ms. Muse-Evans served in various executive roles at Fortune 50 companies where she successfully implemented risk management platforms to drive effective management of significant risks. Ms. Muse-Evans has extensive knowledge of the housing finance industry, subject matter expertise in the discipline of Enterprise Risk Management, and extensive experience implementing risk management programs including corporate and board governance programs. She is noted for her expertise in mortgage lending, servicing policy and Government Sponsored Enterprise eligibility guidelines, as well as her end-to-end knowledge of mortgage banking from serving in the primary market. Ms. Muse-Evans is the recipient of the 2017 Renaissance Woman award from the National Association of Women in Real Estate Businesses and the 2017 National Women’s Small Business Governor’s Citation from the Governor of the State of Maryland.

    David L. Lykken, Founder and Chief Transformational Officer, Transformational Mortgage Solutions

    David Lykken, Founder & Chief Transformational Officer of Transformational Mortgage Solutions, is a 44-year industry veteran and has been an owner-operator of three mortgage banking companies, a software company and several leading consulting firms. David is passionate about transforming lives of business owners, their executives, their sales and operational staff and does so thru CONSULTING, executive COACHING & various COMMUNICATIONS strategies. He is a frequent guest on FOX Business News and hosts his own weekly podcast called “Lykken On Lending” heard Monday’s at 1 pm ET at www.LykkenOnLending.com. David will be sharing with us business trends and strategies that will transform your businesses so you can achieve greater success and significance in 2018

    Brent A. Chandler, Founder & Chief Executive Officer, FormFree

    Brent Chandler is the Founder and Chief Executive Officer of FormFree. Brent is a widely recognized innovator in mortgage and financial services technologies who has 25 years’ experience on the leading edge of trading, personal finance, wealth management and consumer financial services. Brent created AccountChek® by FormFree® in 2007 after his own frustrating homebuying experience fueled an obsession with making loans simpler and safer for everyone. Prior to that, Brent was part of the team that created the world’s first online trade while at CheckFree (acquired by Fiserv). He later ran several startups in the online and algorithmic trading spaces and was instrumental in leading the “aggregation revolution” while at CashEdge (acquired by Fiserv), where he oversaw sales and development of the CashEdge Wealth Management platform. He’s also held senior-level positions on Wall Street at Merrill Lynch and Fidelity, where he became an expert in the mechanics of finance, witnessed the infancy of online trading and learned how to use algorithmic black boxes to enhance the performance of institutional and personal portfolios through more efficient exchanges.

    Frank Fiore, President, Matchbox, LLC

    Frank Fiore is the President of Matchbox LLC, a consulting and advisory firm that focuses on mortgage banking operations. Matchbox was created to be a consulting and advisory firm that would not just advise companies but work with them in implementing improvements on the operational side that resulted in increased profitability. Frank leads a team of 8 mortgage bankers that spend their day utilizing their Operational expertise and specializing in the areas of Encompass development and support, and Secondary Marketing Operations and execution. He is a member of both the Secondary and Capital Markets and Residential Technology Forum committees with the Mortgage Bankers Association.

  • INNOVATION AND STRATEGY TRACK: Building Your Brand, Your Reputation and Your Business in 2018

    Location: Talbot Ballroom D


    Speaker(s)

    Justin Challain, Business Development Manager, Zillow

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

    Paul Buege, Chief Operating Officer, Inlanta Mortgage Inc.

    Scott Harris, Founder and Chief Executive Officer, SocialSurvey

    Rick Arvielo, Chief Executive Officer, New American Funding

    Concurrent Session,

    Innovation and Strategy Track

    Read more Read less

    If you don’t manage your online reputation, who will?  Customer feedback is a great source of marketing testimonials and business referrals, and can even be used to identify opportunities for service improvement. Attend this session to learn how to get more feedback and how to use it to improve your reputation and grow your business.

    Speaker(s)

    Justin Challain, Business Development Manager, Zillow

    Justin Challain, Manager of Business Development at Zillow Group focuses on strategy for data distribution. This includes mortgage & agent reviews, Zillow’s Zestimate (AVM) and public data. Previous to his six years at Zillow Group, he worked in finance.

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

    Eddy Perez, CMB, is the President of Equity Prime Mortgage LLC. Proud co-founder of Equity Prime Mortgage LLC. Perez is a seasoned professional with experience holding multiple executive level positions. He has personally closed over 3,000 loans since entering into the mortgage business. He holds a Bachelors degree is in Finance, with a concentration in Mortgage Lending, from Georgia State University. As President of Equity Prime Mortgage, his responsibilities include overseeing sales, capital markets, finance and marketing.

    Paul Buege, Chief Operating Officer, Inlanta Mortgage Inc.

    Paul Buege is the Chief Operating Officer at Inlanta Mortgage.  Paul holds companywide accountability for Operations, Secondary Marketing, and Business Development. Joining Inlanta in 2014, with a sharp eye for talent, good humor, and disciplined calm, Paul principles strategic changes in new business processes to build capacity, scale up production and ensures the right resources are in place to capture growth opportunities.  He has held senior management positions in sales, secondary marketing, operations, and leadership within the mortgage industry for over 25 years.

    Scott Harris, Founder and Chief Executive Officer, SocialSurvey

    Scott Harris is the Founder and Chief Executive Officer of SocialSurvey.  Scott is a long-time mortgage company partner, developing more than a dozen different software solutions for mortgage companies over the past 15 years. Scott has a passion for the mortgage industry and uses the SocialSurvey platform to help mortgage companies celebrate their top performers, create new business, and manage their online reputation while improving processes.

    Rick Arvielo, Chief Executive Officer, New American Funding

    Rick Arvielo is the Chief Executive Officer at New American Funding.  Rick is a self-taught entrepreneur with a passion for marketing. He founded his third business, New American Funding in 2003. Rick’s proven formula of marrying marketing and proprietary technology to grow businesses from the ground up has led to the fast-growing success of his latest endeavor. The company is now funding over $10 billion annually with a servicing portfolio of $22 billion.   A leader in the industry, Rick is involved in several organizations that play a vital role in the current and future state of mortgage banking. He’s a member of the Mortgage Bankers Association (MBA) and sits on the Board of Directors, the Residential Board of Governors (RESBOG) and he’s the 2017 - 2018 Chairman of MORPAC, MBA’s Political Action Committee. Rick’s involvement with these associations stems from his passion to make a positive impact on the industry for future generations.
    In 2017, the American Business Awards honored Rick with a gold Stevie® for Executive of the Year in Financial Services and Ernst & Young recognized him as a 2016 EY Entrepreneur of The Year® for Orange County.  Today, Rick, along with wife Patty, lead the company’s 140 branches and 2,600 employees with the personal goal of raising homeownership levels amongst underserved communities.

  • Refreshment Break in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Networking Opportunities,

    Refreshment Break

  • GENERAL SESSION: TechLive - Fintech Solutions to Digital Mortgage

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

    Matt Fair, Vice President, Texas Capital Bank, N.A.

    Garth E. Graham, Senior Partner, STRATMOR Group

    Brian Kneafsey, Head of Sales and Client Operations, Blend

    Bob Brandt, Vice President, Marketing & Alliances, Optimal Blue, LLC

    Tim M. Anderson, Director, eServices, DocMagic, Inc.

    James K. O'Donnell, President, Equity National Title

    Jamie Williamson, Vice President, National Sales, Simplifile

    Joe Wilson, Chief Marketing Officer, SimpleNexus, LLC

    General Session

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    Don’t miss ninety minutes of nonstop tech action! Experience lightening rounds of live demonstrations showcasing technology that solves common business problems and creates new business opportunities. Learn from providers, experts and peers about solutions to problems across the mortgage lifecycle, from lead management to post-closing. Take part by offering your own perspective, asking questions, and participating in the interactive polling. You’ll leave inspired by the opportunities to digitally transform your company.

    Blend
    DocMagic, Inc.
    Equity National Title
    Optimal Blue, LLC
    Simplifile
    SimpleNexus, LLC
    Texas Capital Bank, N.A.

    Speaker(s)

    Matt Fair, Vice President, Texas Capital Bank, N.A.

    Garth E. Graham, Senior Partner, STRATMOR Group

    Garth Graham is a Managing Director at the STRATMOR Group. Garth heads STRATMOR Group’s marketing strategy and execution practice, which focuses on lead generation and lead management methods and practices primarily for the consumer direct and retail mortgage origination channels. Graham has over 25 years of experience in sales and marketing, ranging from Fortune 500 companies to successful startups. He was one of the founders of mortgage.com, and was an executive at ABN-AMRO Mortgage before it’s $9 billion sale to Citigroup in March of 2007 which closed before the market downturn.

    Brian Kneafsey, Head of Sales and Client Operations, Blend

    Brian Kneafsey heads client operations at Blend, a technology company that is powering the modern, digital mortgage through partnerships with lending organizations of all shapes and sizes – from local community banks to prominent U.S. lenders. In his current role, Brian leads Blend’s efforts in acquiring new customers as well as driving success in the install base. He joined Blend after a 15-year career at Salesforce, where he was most recently the Senior Vice President for its Financial Services / Consumer Products and Retail verticals.

    Bob Brandt, Vice President, Marketing & Alliances, Optimal Blue, LLC

    Bob Brandt has more than 20 years of experience leading successful, high-performing sales and marketing teams in the financial services industry. Prior to Optimal Blue, Bob established and managed the sales and marketing organization at Mortgagebot, a leading technology service provider in the mortgage industry. Under Bob’s direction over the initial 15 years from its founding, Mortgagebot acquired productive, multi-year relationships with more than 1,500 banks and credit unions nationwide and was named to the Inc. 500 list of America’s fastest growing companies.

    Tim M. Anderson, Director, eServices, DocMagic, Inc.

    Tim Anderson oversees electronic commerce and eMortgage service capabilities for DocMagic and is responsible for growing the company's market share as the industry continues to adopt electronic documents, eSignatures and digitalization of the mortgage process. He brings over 35 years of industry experience and has worked on both the lender and vendor side of the business. He has held executive management positions with LPS (now Black Knight Financial Services), Stewart Title, FreddieMac and HomeSide Lending where he ran the eCommerce Division and worked at technology companies like Dexma, Microsoft and Tuttle Information Services. He was also the original founder of the eMortgage Alliance which promoted MISMO standards for delivering legally compliant paperless processes.  Tim has served on the Advisory Boards of Microsoft and the Housing Roundtable. He is a past member of the MBA's Board of Technology, (BodTech) and eMortgage Adoption Task Force. He is a current member of the MBA MISMO Governance Committee, Residential Technology Committee (ResTech) and MISMO eMortgage Workgroup, the Electronic Records and Signature Association, (ERSA), ALTA Technology Committee and both FannieMae and FreddieMac Vendor Technology Advisory Committees. Known for promoting strategic applications and trends in technology such as eSign and MISMO category one SMARTDocs®, Tim received many industry awards and accolades including the prestigious Steven Fraser Award from Mortgage Technology Magazine and named Mortgage IT AllStar by Mortgage Banker Magazine.

    James K. O'Donnell, President, Equity National Title

    James K. O'Donnell, Esq. serves as President of Equity National Title.  Jim's been at the helm for over 20 years.  Before coming on board at Equity, he worked in customer service and sales capacities and spent 8 years in politics and city government.  As president, there are three areas of focus for Jim: business development, risk management and employee engagement. Since there's a terrific leader in charge of running day-to-day operations, Jim is free to be creative and build. He's spent a lot of time with our recently expanded sales team as well as our customers, sharing solutions we've built or creating new ones together. He balances those efforts with staying in tune with compliance and regulatory trends and issues and ensuring our compliance management systems stay ahead of the curve. The most important aspect of Jim's day is investing in our people and their development. The result is a unique culture of engaged employees who truly care for and connect with customers.

    Jim sees himself as a servant leader who enriches the lives of those with whom he interacts, and he enhances the work in which he's involved. He loves to solve vexing problems in collaboration with others, and in particular, with customers. Jim enjoys coming alongside smart and creative people who bring different perspectives and ideas from other industries to help stir the imagination and collaboratively solve perplexing issues.

    Jamie Williamson, Vice President, National Sales, Simplifile

    Jamie Williamson is the Vice President of National Sales at Simplifile.  Jamie has over 30 years of experience bringing technology solutions to lenders in the mortgage industry. These include Loan Origination, Call Center, and Document Management solutions. Jamie currently works for Simplifile a Provo Utah based company offering eRecording, eMortgage, Collaboration and Post Close solutions. Jamie has worked with start-ups to top 10 lenders, helping them automate processes to work more efficiently and effectively.

    Joe Wilson, Chief Marketing Officer, SimpleNexus, LLC

    Joe Wilson is the Chief Marketing Officer at SimpleNexus. Having spent the past 12 years in the various origination, marketing, technology and software roles, Joe has a deep understanding of the industry. In his current role, he is currently overseeing marketing and sales at SimpleNexus, which provides a white-labeled mobile platform to connect Loan Originators with their borrowers and Realtors to create a single location to complete a mortgage and create a Mobile Originator (TM).

  • MAA Event,

    Networking Opportunities,

    Reception

Wednesday, January 24, 2018

  • Registration

    Location: The Ritz-Carlton Ballroom Foyer

    Registration

  • Continental Breakfast

    Location: The Ritz-Carlton Ballroom Pre-function

    Breakfast

  • Exhibit Area Open

    Location: The Ritz-Carlton Ballroom Foyer

    Exhibit Hours

  • GENERAL SESSION: Three Big Policy Trends You Should Know

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

    David H. Stevens, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    James M. Parrott, Founder, Falling Creek Advisors

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Peter R. Norden, Chief Executive Officer, HomeBridge Financial Services, Inc.

    Kenneth F. Richey, AMP, Managing Partner, Richey May & Co., LLP

    General Session

    Read more Read less

    The industry is expecting big changes in 2018 with GSE reform, tax reform and regulatory reform, including changes at the CFPB. How will they impact your business? This session provides an update on various regulatory and legislative issues that will affect your company and the industry’s advocacy efforts.

    Speaker(s)

    David H. Stevens, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    David Stevens, CMB is President and CEO of the Mortgage Bankers Association (MBA). Prior to assuming this position, Dave served as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD). Dave has more than 30 years of experience in mortgage finance and has held several executive level positions in sales, acquisition, investment, risk management and regulatory oversight, including positions in senior management with Wells Fargo, Freddie Mac and World Savings. Prior to his appointment by the Obama Administration to serve at HUD, Dave was President and COO of the Long and Foster Companies. He is known inside the beltway as a key housing influential; serving as an industry authority on major mortgage finance legislative and regulatory issues. Dave is often quoted in the national media and regularly appears trade media on issues affecting the mortgage and housing markets. In 2013, Dave received the National Association of Hispanic Real Estate Professionals (NAHREP) Founders Award, presented to individuals that have distinguished themselves by their work in support of sustainable Hispanic homeownership to improve the quality of life for Hispanics in America. He has been named to Bloomberg’s “50 Most Powerful People in Real Estate” list, and twice recognized as one of the “Top 100 Most Influential Real Estate Leaders” by Inman News and named one of Swanepoel REAL ESTATE TRENDS Report’s top ten "Newsmakers" of the year. Most recently, Dave was named to Mortgage Professional America's "The Hot 100 List." Dave received the Certified Mortgage Banker designation in October, 2015. He currently serves on the Hope Loan Port board of directors, the board of MBA Opens Doors Foundation, MBA's national 501(c) 3 nonprofit organization for philanthropic ventures, and as an advisory board member of the newly formed J. Ronald Terwilliger Foundation for Housing America's Families.

    James M. Parrott, Founder, Falling Creek Advisors

    Jim Parrott is a senior fellow at the Urban Institute and owner of Falling Creek Advisors, which provides financial institutions with strategic advice on housing finance issues. Jim spent several years in the White House as a senior advisor on the National Economic Council, where he led the team of advisors charged with counseling the cabinet and president on housing issues. He was on point for developing the administration’s major housing policy positions; articulating and defending those positions with Congress, the press and public; and counseling White House leadership on related communications and legislative strategy. Prior to his time in the White House, Jim was counsel to Secretary Shaun Donovan at the Department of Housing and Urban Development.

    Prior to his life in public policy, Jim was a litigator, first in New York with Sullivan and Cromwell, and later in North Carolina with Smith Anderson.

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of over twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, and is a regular guest speaker on the intersection of politics, policy, and industry issues.  Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB). During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach. He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration.

    Peter R. Norden, Chief Executive Officer, HomeBridge Financial Services, Inc.

     Peter Norden has over 40 years of experience in the mortgage lending business. He is currently the CEO of HomeBridge Financial Services, Inc., a national originator and servicer of mortgage loans with licenses in all 50 states. The Company closed over $14 billion in originations in 2017 with annual revenue in excess of $600 million and is currently servicing over $22 billion in mortgages as of 12/31/17. Prior to joining HomeBridge, Peter had founded Opteum Financial Services, Inc. (“OFS”) in 1999. As the CEO and President of OFS, Peter grew the mortgage origination and servicing business into a national platform licensed to operate across 47 states with originations in excess of $8 billion per year. In 2005, he sold OFS to Bimini Capital Management, formerly Opteum Inc., but stayed on as Executive Vice President of the public entity. He left Opteum in 2007. Prior to OFS, Mr. Norden acquired Olde Towne Mortgage Company, subsequently known as First Town Mortgage Corporation, where he served as President and CEO until it was sold in 1999 to Chase Manhattan Mortgage Corporation. Mr. Norden is currently on the MBA’s Board of Directors and the Fannie Mae Customer Advisory Board He has served on the Fannie Mae CEO Advisory Board and the FHLMC Advisory Board. He is also a former President of the Mortgage Bankers Association of New Jersey.

    Kenneth F. Richey, AMP, Managing Partner, Richey May & Co., LLP

    Ken founded Richey May & Co. in 1985 and he currently serves as the firm’s Managing Partner. In his role as Managing Partner, Ken’s primary responsibilities include leading firm growth and supporting the firm’s partners in their leadership, management, and technical problem solving efforts.  Under his leadership, the firm has consistently grown every year and has been recognized numerous times by Inside Public Accounting as one of the Best of the Best accounting firms in the country. He has instilled a passion for excellence and client service within his leadership and management teams. He works closely with his team to create value-added tax and business advisory solutions for closely held businesses and their owners.  Ken works directly with clients to create customized business and tax planning strategies. He consults frequently on business transactions, providing assistance with due diligence and structuring in mergers and acquisitions, financings, asset sales and business liquidation events. His clients come from a broad range of industries including mortgage banking, real estate, wholesale distribution, manufacturing, and various service industries.

    Professional organizations, trade associations and business groups often seek Ken’s insights on a variety of issues. Ken frequently delivers articles and presentations to the Mortgage Bankers Association and Colorado Mortgage Lenders Association on tax and accounting issues affecting their members. Ken serves on the Advisory Board of Inside Public Accounting, an industry leading trade organization.  

  • GENERAL SESSION: Doing Business with the GSEs

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

    David Motley, CMB, 2018 MBA Chairman, President, Colonial Savings, F.A.

    Andrew Bon Salle, Executive Vice President, Single-Family Business, Fannie Mae

    Dave Lowman, Executive Vice President, Single-Family Business, Freddie Mac

    General Session

    Read more Read less

    ‭In a discussion with leaders from Fannie Mae and Freddie Mac, learn updates on issues of ‭particular interest to independent mortgage bankers.

    Speaker(s)

    David Motley, CMB, 2018 MBA Chairman, President, Colonial Savings, F.A.

    David Motley, CMB Chairman of the Mortgage Bankers Association, is President of Colonial Savings, F.A. and its divisions -- Colonial National Mortgage and CU Members Mortgage. David has been an active member of MBA for more than two decades and has served in a variety of leadership roles. Recognized for his service to the industry, David is a recipient of MBA's Andrew D. Woodard Distinguished Service. Dedicated to grassroots advocacy, he has also been an active member of the Texas MBA since 1995.

    Andrew Bon Salle, Executive Vice President, Single-Family Business, Fannie Mae

    Andrew Bon Salle is Executive Vice President – Single-Family Business at Fannie Mae, a leading source of liquidity in the U.S. residential housing market. Reporting to the President and Chief Executive Officer, Mr. Bon Salle is responsible for all aspects of the Single-Family business, including engagement with customers, managing the performance of the credit portfolio, and overseeing all capital markets activities. Mr. Bon Salle also leads the company’s efforts to integrate with the Common Securitization Platform.  Most recently, Mr. Bon Salle served as Fannie Mae's Senior Vice President and Head of Underwriting and Pricing and Capital Markets, overseeing the company’s credit risk management and pricing strategies to maximize the profitability of the single-family credit book throughout different economic cycles.  During his tenure at Fannie Mae, Mr. Bon Salle has held many positions within Capital Markets including Senior Vice President, where he managed the Single-Family Products Group, providing lender execution services such as mortgage-backed securities (MBS) and structured product sales and trading, whole loan acquisition and conduit activities, and early funding transactions. Prior to joining Fannie Mae in 1993, Mr. Bon Salle was Vice President at Hamilton, Carter, Smith & Company, Inc.

    Dave Lowman, Executive Vice President, Single-Family Business, Freddie Mac

    David Lowman was named executive vice president for the Single-Family business in May 2013. He is a member of the company's senior operating committee and reports directly to CEO Don Layton.  As head of Single-Family, Mr. Lowman has broad responsibility for the line of business, including managing the company's relationships with its Seller/Servicers, the performance of Freddie Mac's guarantee book of business, securitization of new business, and all sourcing, servicing and business operations.  He has worked in the mortgage and consumer finance business for over 30 years, serving at some of the nation's largest mortgage operations. Mr. Lowman served as CEO of Chase Home Lending from 2006 to 2011, overseeing $150 billion in annual production and a $1.2 trillion servicing portfolio at what was then the country's third largest mortgage originator and servicer.  Prior to that, he spent a decade in senior leadership roles in various lending businesses of Citigroup, including head of CitiMortgage and Citicorp Trust Bank, FSB. Before joining Citigroup, Mr. Lowman spent 11 years at The Prudential Home Mortgage Company, Inc. in progressively senior leadership roles. He started his career in the Washington, D.C. office of KPMG, where his clients included banks, thrifts and mortgage bankers.

  • Refreshment Break in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Refreshment Break

  • GENERAL SESSION: Mortgage Market Outlook for IMBs

    Location: The Ritz-Carlton Ballroom


    Speaker(s)

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

    Marina Walsh, Vice President, Industry Analysis, Mortgage Bankers Association

    General Session

    Read more Read less

    MBA’s Research team provides the latest analysis of current economic, housing market and mortgage market trends, with a focus on lender profitability and other business metrics. Get the latest forecast for the industry, including the various forces impacting the market and what they might mean as you develop your business strategy for 2018 and beyond.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President, Research and 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, serves on the CSP's Industry Advisory Group, and is chair of 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.

    Marina Walsh, Vice President, Industry Analysis, Mortgage Bankers Association

    Marina Walsh is vice president of industry analysis in MBA's research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She has worked in real estate finance for close to twenty years. Currently, she leads the management and direction for the annual and quarterly Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the Quarterly National Delinquency Survey. In addition, Walsh conducts specialty workshops, symposiums and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for several conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Introductory and Advanced Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences. Walsh was named to HousingWire's "2016 Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ.

  • Networking Luncheon in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Lunch,

    Networking Opportunities

  • Women's Networking Event: You Say More Than You Think

    Location: The Plaza Ballroom


    Speaker(s)

    Janine Driver, New York Times Best-Selling Author

    mPower Event,

    Networking Opportunities

    Read more Read less

    A recognized expert on communications, Janine Driver teaches executives, salespeople and other professionals how to build their presence, explode their selling skills and deliver winning presentations. Attend this session to learn how to use your body language to make you a better leader and take your career and your organization to the highest level. 

    Brought to you by mPower.

    Speaker(s)

    Janine Driver, New York Times Best-Selling Author

    JANINE DRIVER is the New York Times Best Selling author of YOU SAY MORE THAN YOU THINK (Random House), and most recently YOU CAN'T LIE TO ME (HarperOne), popular keynote speaker, media expert for NBC's TODAY Show, 20/20, CNN, Anderson Cooper, Katie, Dr. Drew on HLN, and the Dr. Oz Show, and she's the founder, president, and lead instructor for the Body Language Institute (BLI). BLI is an elite certification program that offers award-winning advanced communications training that help executives, sales and other professionals build executive presence, explode their selling skills, and create and deliver business presentations that win new business. Janine and her team of the world's most sought after subject matter experts have helped clients become the total leader, which ultimately led them to win millions of dollars in new business contracts.  Janine's background includes being a federal law enforcement officer within the United States Department of Justice for fifteen years, where she trained over 60,000 lawyers, judges, and law enforcement officers within the ATF, CIA, FBI, and the Netherlands Police how to read body language and detect deception. Each week, Janine travels the country providing communications training to her clients, who include such companies and associations as AOL, Coca-Cola, Procter and Gamble, P&G Diversity Group, SHRM, Pricewaterhouse Coopers, NIKE, FM Global, American Academy of Pediatric Dentistry, Australian Embassy (diversity), Lockheed Martin, SHRM, Harvard University-Institute of Politics, The Hard Rock Hotels, Million Dollar Round Table (MDRT) global, STIHL, ABC Supply, Starwood Hotels and Resorts Worldwide, Planet Land Care Network, Meeting Professionals International, and the Certified Contractors Network - just to name a few! In addition, Janine is an approved speaker for Vistage, a worldwide leadership company that help senior executives take their careers-and their companies-to a higher level!  Imagine the impact you will have on others when you are inspired to look at the world differently. Come early and grab a good seat to experience the exciting and inspiring NY Times best-selling author and award winning Speaker, Janine Driver

  • BUSINESS OPERATIONS AND COMPLIANCE TRACK: Three Big Compliance Challenges in 2018

    Location: Talbot Ballroom E


    Speaker(s)

    Mitchel H. Kider, Managing Partner, Weiner Brodsky Kider PC

    Ari Karen, Principal, Offit Kurman

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Justin Wiseman, Associate Vice President and Managing Regulatory Counsel, Mortgage Bankers Association

    Concurrent Session,

    Business Operations and Compliance Track

    Read more Read less

    Three big compliance challenges. Three practical solutions. Get expert advice on the key regulatory issues to watch in 2018, as well as information on how to mitigate your risk and protect your company’s short-term and long-term success.

    Speaker(s)

    Mitchel H. Kider, Managing Partner, Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 35 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2016-2017).

    Ari Karen, Principal, Offit Kurman

    Ari Karen is a Principal at Offit Kurman. Mr. Karen is an experienced litigator who has focused his practice in representing financial institutions in both government investigations and litigation before state and federal trial and appellate courts nationwide. Mr. Karen's practice is diverse, representing clients on matters concerning banking regulations, Dodd Frank financial reform laws, contractual disputes, employment and labor statutes, wage-hour class actions, employment discrimination and fair lending matters, whistleblower complaints and non-competition claims, among others.  Mr. Karen speaks regularly on topics affecting all types of lenders including fair lending and disparate impact, LO compensation, marketing service agreements, compliance with social media, non QM lending, vendor management, and much more. Mr. Karen is a principal in the Financial Institutions Regulatory and Labor and Employment practice groups of the Offit Kurman law firm. He is also the Founder and CEO of Strategic Compliance Partners (SCP), a total-solution, mortgage compliance consulting firm.

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Jonice Gray Tucker is a founding partner with Buckley Sandler LLP, specializing in work with financial institutions and related businesses. Ms. Tucker focuses a substantial portion of her practice on government investigations, enforcement actions, and examinations, having served as defense counsel in matters brought by the CFPB, DOJ, HUD, FTC, prudential banking regulators, and state Attorneys General, among others. She conducts internal investigations on behalf of corporations and counsels clients on compliance with consumer protection laws. In addition, Ms. Tucker has significant experience handling complex civil litigation involving financial institutions.  Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations) as well as in Super Lawyers and Best Lawyers. She also serves on the Board of Regents of the American College of Consumer Financial Services Lawyers.  Ms. Tucker has been featured in Washingtonian magazine’s Top Lawyers issue, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. She also was selected for Legal BisNow’s 40 Top Lawyers Under 40.  Ms. Tucker is Chair of the American Bar Association’s Banking Law Committee, which has more than 2,000 members.

    Justin Wiseman, Associate Vice President and Managing Regulatory Counsel, Mortgage Bankers Association

    Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry. Justin assisted the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Justin also worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for a federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues.

  • INNOVATION AND STRATEGY TRACK: FINRA 4210: Developing Strategies and Finding Opportunities

    Location: Talbot Ballroom D


    Speaker(s)

    Al Qureshi, Managing Director, Analytics, Incenter, LLC

    Philip Rasori, Chief Operations Officer and Principal, Mortgage Capital Trading, Inc.

    Concurrent Session,

    Innovation and Strategy Track

    Read more Read less

    The deadline for implementation of new FINRA margin requirements on mortgage bankers is fast approaching. And while there are numerous operational and legal hurdles to ensuring compliance, there also exist opportunities to improve efficiency and cash flow. In this session, participants can explore how the new margin rules will interact with their pipeline and MSR hedging strategies, as well as develop innovative responses to the rules that also improve their bottom line.

    Speaker(s)

    Al Qureshi, Managing Director, Analytics, Incenter, LLC

    Al Qureshi as Incenter’s Managing Director of Analytics, Al Qureshi leads our MSR, securities and whole loan analytics and risk management platform. Al has broad and deep technical expertise including the design of sophisticated valuation, hedging and risk modeling to support client risk management and compliance objectives, capital commitment and enhanced economic outcomes. Al brings almost 20 years of experience in mortgage and capital markets to the Incenter senior management team. Immediately prior to joining the company he served as Head of Mortgage Servicing Hedging and Hedging Analytics at U.S. Bank. He has also held MSR, Analytic Hedging appointments at JP Morgan, Merrill Lynch, and Diamondback Capital.

    Philip Rasori, Chief Operations Officer and Principal, Mortgage Capital Trading, Inc.

    Phil Rasori is the Chief Operations Officer and Principal at Mortgage Capital Trading.  Mr. Rasori has over fifteen years of experience in capital markets operations serving lenders in the residential mortgage banking industry. At MCT, he manages the company’s day-to-day operations and a team of over 100 employees dedicated to providing hands on support and coaching to clients. Mr. Rasori is the principal architect and developer of MCT live, MCT’s online capital markets platform which has been recognized as Mortgage Technology’s Release of the Year and one of Housing Wire’s Top 100 technology platforms.

  • Refreshment Break in the Exhibit Area

    Location: The Ritz-Carlton Ballroom Foyer

    Refreshment Break

  • BUSINESS OPERATIONS AND COMPLIANCE TRACK: MSR Liquidity Strategies for IMBs

    Location: Talbot Ballroom E


    Speaker(s)

    Seth D. Sprague, CMB, Executive Vice President, Phoenix Capital, Inc.

    Tom Millon, CFA, CMB,, President, Chief Executive Officer and Chairman, Capital Markets Cooperative, LLC

    Michael Carnes, Managing Director, Capital Markets Group, Mortgage Industry Advisory Corporation (MIAC)

    David Sheeler, Executive Vice President, Correspondent Lending, Freedom Mortgage Corporation

    Concurrent Session,

    Business Operations and Compliance Track

    Read more Read less

    The MSR asset represents a critical element of the overall profitability for IMBs. As witnessed throughout 2017, retaining the MSR asset comes with a number of challenges from a dynamically changing MSR market, interest rate volatility and Tax Reform. IMBs are constantly faced with the released versus retained decision and maximize their sources for liquidity for the MSR asset. Hear from a panel of industry experts that will discuss the current MSR market conditions, the impact of Tax Reform on MSRs and discuss potential game changers that could impact the MSR liquidity in 2018.

    Speaker(s)

    Seth D. Sprague, CMB, Executive Vice President, Phoenix Capital, Inc.

    Seth D. Sprague CMB, Executive Vice President of Phoenix Capital, Inc. joined Phoenix in 2013 after more than ten years with SunTrust Mortgage managing their mortgage servicing rights (“MSR”) portfolio valuation process as well as their periodic MSR transactions. Seth’s primary responsibilities at Phoenix include managing bulk and flow MSR transactions and offering strategic advice across Phoenix’s 200 plus clients. In 2017, Seth’s role was expanded to include a more active role in the strategic leadership with Phoenix Analytic Services with an emphasis on developing and providing strategic valuation solutions to meet the needs of clients. Seth has a total of over 20 years of mortgage banking and servicing valuation experience at a variety of firms including SunTrust Mortgage, Bank of America Mortgage, United Financial / Matrix Financial and KPMG LLP.  Seth has served and continues to serve on a number of committees with the Mortgage Bankers Association (“MBA”) including the Financial Management Steering Committee, MBAs Servicing Council for the 21st Century, MBAs BASEL III and the Servicing Compensation Working Group and is a frequent speaker at various MBA conferences. Seth has been an instructor with the MBA’s School of Mortgage Banking Program since 2007, teaching “MSR Day”.

    Tom Millon, CFA, CMB,, President, Chief Executive Officer and Chairman, Capital Markets Cooperative, LLC

    Tom Millon, CFA, CMB is the President, Chief Executive Officer, and Chairman of the Capital Markets Cooperative (“CMC”).  Tom founded the Capital Markets Cooperative (“CMC”) in 2003, and built CMC in to a market leader in the U.S. residential mortgage industry. Tom is one of the nation's top executives in the mortgage capital markets. He is a recognized author, frequent speaker, and expert in mortgage finance. Tom serves as President, Chief Executive Officer, and Chairman of CMC, and is the Chief Executive Officer and Chairman of CMC’s lending subsidiary, CMC Funding, Inc. Computershare, Inc. (CPU:ASX), a global mortgage services provider, acquired CMC in April, 2016.  Tom graduated from The Wharton School of Business of the University of Pennsylvania. He serves as a Director on the Board of The Wharton School of the University of Pennsylvania’s Institute for Urban Research—a think-tank dedicated to housing reform and urban planning and design of cities around the world.  Tom is a member of the Mortgage Bankers Association where he serves on the MBA’s committee for GSE reform. Tom is also on the advisory board of the Common Securitization Platform—a joint venture between Fannie Mae and Freddie Mac, dedicated to standardizing the agency mortgage-backed security.  Tom holds the Chartered Financial Analyst (CFA) and Certified Mortgage Banker (CMB) designations. He is FINRA (Financial Industry Regulatory Authority) Series 3 licensed and is a member of the National Futures Association, the Association for Investment Management and Research, and the Security Analysts Society of San Francisco.

    Michael Carnes, Managing Director, Capital Markets Group, Mortgage Industry Advisory Corporation (MIAC)

    Michael Carnes joined MIAC in September 2009 and is the Managing Director of the Capital Markets Group. Michael chairs the residential and commercial Mortgage Servicing Rights Valuation Committee’s and is responsible for all MSR valuation, modeling, and brokerage services at MIAC. He is a seasoned industry expert regarding mortgage banking and mortgage servicing rights with 25 years of diverse mortgage banking experience. In addition to MIAC, he has a proven track record of advising companies, including Wells Fargo, Wachovia, Irwin Mortgage, and Bank One Mortgage (now Chase Mortgage) on servicing valuation and overall corporate growth. Michael is experienced in both Static and Option Adjusted Spread valuation techniques and has experience in valuing a wide array of diverse product types. He has extensive valuation, deal making and negotiation experience with practical business savvy that has dramatically increased the bottom line results of the companies and clients he has served. Michael’s latest published work can be found in Volume III of the Mortgage Professionals Handbook.

    David Sheeler, Executive Vice President, Correspondent Lending, Freedom Mortgage Corporation

    David Sheeler serves as Executive Vice President at Freedom Mortgage leading the Correspondent Lending Division since 2014, during which time the division has significantly grown its whole loan, co-issue and flow MSR acquisitions groups. Within the mortgage banking industry, Mr. Sheeler has held various roles including a year at W.J. Bradley Mortgage Capital as the Executive Vice President of Correspondent Lending and branch operations. Prior to W.J. Bradley, Mr. Sheeler spent the six years in the Correspondent Lending Division of JPMorgan Chase, holding the positions of Chief Operating Officer, Chief Financial Officer and Pricing & Trading Operations Manager. For the four years prior to Chase, Mr. Sheeler worked at Countrywide Financial in various roles, including VP of Financial Planning, Warehouse Lending Chief Financial Officer and VP of Warehouse Lending Counterparty Risk. Prior to his time in the mortgage banking industry, Mr. Sheeler served over 5 years in various roles with subsidiaries of BNP Paribas, included Mergers & Acquisition, Divisional Chief Financial Officer, and Director of International Development. Prior to his time with BNP Paribas, Mr. Sheeler earned a CPA working at Deloitte & Touche LLP for three years in the financial services group.

  • INNOVATION AND STRATEGY TRACK: Increase Market Opportunities Using HMDA Data

    Location: Talbot Ballroom D


    Speaker(s)

    Mitchel H. Kider, Managing Partner, Weiner Brodsky Kider PC

    Pete Mills, Senior Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Maurice Jourdain-Earl, Managing Director, ComplianceTech

    Concurrent Session,

    Innovation and Strategy Track

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    Learn how to understand and use data about your company better than anyone else. What story does it tell about your company? How can you use it to improve your outreach strategy to new markets? Experts recommend ways to improve your market penetration where you are underserving, as well as ways to internally monitor and track your progress.

    Speaker(s)

    Mitchel H. Kider, Managing Partner, Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 35 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2016-2017).

    Pete Mills, Senior Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, directs MBA's residential member engagement and recruitment efforts, and oversees business development for industry education and professional development programs under the MBA Education brand. Pete is a regular guest speaker on major policy issues.  Mills is an experienced financial services industry executive with 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Most recently, he served as Managing Director of the Community Mortgage Banking Project, a public policy organization that represents the interests of companies and coalitions involved in the housing and mortgage finance industries.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board.

    Maurice Jourdain-Earl, Managing Director, ComplianceTech

    Maurice Jourdain-Earl, Managing Director of CLC Compliance Technologies, Inc. (ComplianceTech) has over 40 years of experience in providing financial services to individuals, businesses, and institutional investors. He has an extensive background in the primary and secondary mortgage market. He has bought, sold and analyzed, banks, mortgage companies, whole loans and mortgage-backed securities. In these capacities he has worked with IDS Financial Services, Continental Illinois National Bank, PMI Securities Co, and Citicorp Mortgage. In 1992 he co-founded ComplianceTech, a company that provides specialized lending intelligence services to financial institutions, government agencies and non-profit organizations. ComplianceTech is renowned for its expertise in HMDA, CRA and fair lending. Mr. Jourdain-Earl has developed cutting-edge consultative and technological solutions to help clients navigate the regulatory and operational complexities of fair lending, strategic markets, and diversity issues. Mr. Jourdain-Earl has been actively involved in client projects to detect and minimize discrimination in underwriting, pricing and marketing of mortgage, auto and consumer loans and in projects to improve opportunities to lend to minority and low-to-moderate income consumers. Mr. Jourdain-Earl is a noted author and speaker on lending and banking issues, particularly on HMDA and fair lending practices. Four recent studies: “African-American disparities in Lending: a Complex Problem for FHFA Enterprises and Lenders”, “The Foreclosure Crisis and Racial Disparities in Access to Credit”, “The Demographic Impact of the Subprime Mortgage Meltdown” and “Politics and the Subprime Mortgage Meltdown: An Examination of Disparities by Congressional District, Political Party, Caucus Affiliation and Race” received critical acclaim.

  • IMBs Unplugged (IMBs Only - Closed to Media)

    Location: Talbot Ballroom D


    Speaker(s)

    Teresa Whitehead, Chief Executive Officer, Citywide Home Loans/CHL Mortgage

    Owen V. Lee, Chief Executive Officer, Success Mortgage Partners, Inc.

    Concurrent Session

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    Meet face-to-face with your peers from the monthly Independent Mortgage Bankers Network call. IMBs Unplugged, an independent mortgage banker-only open forum (closed to the media) provides an opportunity to dig deep on business concerns specifically from the IMB perspective. This closed door meeting allows you and your peers to share best practices and solutions, discuss common challenges and react to topics discussed at the conference session. This session is open only to independent mortgage bankers.

    Speaker(s)

    Teresa Whitehead, Chief Executive Officer, Citywide Home Loans/CHL Mortgage

    Teresa Whitehead is the Chief Executive Officer of Citywide Home Loan/CHL Mortgage.  Teresa is the driving force at Citywide Home Loans and has an extensive background in all aspects of the mortgage industry. Since joining Citywide in December 2009, she has been instrumental in leading the organization and directing the significant growth of the company. Her vision and leadership will assure success as Citywide continues to grow in the future.
 
 Teresa is a founding member, and the Secretary/Treasurer, of the Utah Mortgage Bankers Association. She served as member of the CFPB panel on the impact of Dodd-Frank mandated increased HMDA data collection and reporting. She is currently the Vice Chair of the MBA State Legislative and Regulatory Committee as well as the mortgage expert on Fresh Living which airs on KUTV Channel 2 in Salt Lake City.

    Owen V. Lee, Chief Executive Officer, Success Mortgage Partners, Inc.

    Owen Lee is an attorney, co-owner and CEO of Success Mortgage Partners, Inc. (“SMP”) in Plymouth, Michigan. Success Mortgage Partners, Inc. has obtained mortgage lending licenses in 18 states and built staff of over 150 loan officers and an overall staff of over 450. SMP has obtained its Full-Eagle designation with FHA for both forward and reverse mortgages. Gained Fannie Mae, FHA, VA, RD, and HECM lender approvals. Owen is also the co-owner and Managing Member of Title Partners, LLC a full service multi-underwriter title agency.

  • Dunes at Dusk Oceanfront Lawn Party

    Location: OceanFront Lawn

    Networking Opportunities,

    Reception

Thursday, January 25, 2018

  • Continental Breakfast

    Location: Talbot Foyer

    Breakfast

  • Registration

    Location: Talbot Foyer

    Registration

  • CLOSING SESSION: Developing High Performance Teams with Todd Duncan

    Location: Talbot Ballroom D


    Speaker(s)

    Todd Duncan, Founder and Chief Executive Officer, High Trust

    Concurrent Session

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    Founder and CEO of High Trust, Todd Duncan, will close out this year’s conference with a powerful, industry specific keynote message on three things you can do now to create an enduring culture of trust, performance and loyalty.

    Speaker(s)

    Todd Duncan, Founder and Chief Executive Officer, High Trust

    Todd Duncan for more than 20 years, Todd Duncan has earned a transformative reputation worldwide as a top trainer, motivator and personal coach for business professionals in the sales, mortgage, real estate and financial services industries. Todd’s influence in the peak performance world impacts more than 250,000 people annually across the globe, and he has personally coached some of the world's top producing sales professionals. He is a visionary force behind the annual Sales Mastery Event that has impacted over 55,000 Loan Officers and Real Estate Agents. Todd is the author of 17 books including the New York Times Best-sellers, Time Traps: Proven Strategies for Swamped Sales People and his game changing High Trust Selling: Make More Money In Less Time with Less Stress. His newest book, 5 Stars: Building High Ratings and High Trust in the Digital Age is based on over 100,000 pages of research, and is the owner’s manual for creating the performances, time and time again, that earn you the highest ratings and unleash the power of referrals throughout your ecosystem. Todd has been featured in The New York Times, Wall Street Journal, The Los Angeles Times, The Seattle Times, Entrepreneur Magazine, SUCCESS Magazine, The Success Network, The Dave Ramsey Show, and FOX News amongst other media sites.