Schedule

Schedule subject to change.

Note: Meeting rooms may change, so please refer to the MBA Events mobile app -available in both the App Store and Google Play- on-site for final locations.

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Sunday, September 16, 2018

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • CMCP TRACK: Regulatory Compliance in the Residential Lending Cycle


    Speaker(s)

    Stanford P. Shatz, Of Counsel, McGlinchey Stafford

    David Shirk, Partner, LotsteinLegal PLLC

    Breakout Session,

    CMCP Track

    Read more Read less

    This session provides a high-level overview of the regulatory compliance responsibilities in each phase of the mortgage lending process, including key laws and their provisions.

    Speaker(s)

    Stanford P. Shatz, Of Counsel, McGlinchey Stafford

    David Shirk, Partner, LotsteinLegal PLLC

    David Shirk is a partner at LotsteinLegal PLLC advising clients on state and federal regulatory compliance, operational process improvement, development of new business models, and licensing. His clients include financial institutions performing both retail and wholesale mortgage banking and brokering, lead generators, and software vendors. David has extensive background in the practical implications of RESPA, TILA, ECOA, Fair Housing, and HMDA compliance.  David has served on: Roundtable discussions with Elizabeth Warren on mortgage disclosure integrations; the Federal Reserve Board's Consumer Advisory Council; the Mortgage Reform Working Group; and HUD's Negotiated Rulemaking proceedings on yield spread premiums.  David joined LotsteinLegal PLLC in 2011 after 20 years of mortgage experience as CEO, COO, CIO and Chief Compliance Officer. David was the functional architect for Countrywide’s next generation loan origination system and performed detailed reviews and automation analysis of two other top 10 lenders' end-to-end loan fulfillment workflows.

  • Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

    Caught between federal and state law, mortgage lenders find it challenging to lend to those employed by state law authorized marijuana-based business. Hear experts discuss the latest developments in this area.

    Speaker(s)

    Tobias Moon, Partner, Husch Blackwell

  • Breakout Session,

    Litigation Forum

  • LITIGATION FORUM/COMPLIANCE TRACK: FDCPA


    Speaker(s)

    Andrew K. Stutzman, Chair, Financial Services Litigation, Stradley Ronon, Stevens & Young, LLP

    Gary Deutsch, Managing Chief Counsel, Mortgage Litigation, PNC Bank, National Association

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Andrew K. Stutzman, Chair, Financial Services Litigation, Stradley Ronon, Stevens & Young, LLP

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and chairs the financial services litigation practice at Stradley Ronon. Andrew resolves complex disputes through litigation, especially finance-related matters. He has tried civil cases of diverse subject matters in many state, federal and ADR courts throughout his career and assisted in the defense of government investigations and criminal proceedings. Andrew’s team resolves disputes involving consumer or commercial financial products or services.  Andrew is often invited to discuss finance litigation topics, and has been privileged to appear at events of the Federal Deposit Insurance Corporation, the Commonwealth of Pennsylvania, the Mortgage Bankers Association, the Risk Management Association, the National Constitution Center, A.S. Pratt & Sons, the American Conference Institute, Strafford Publications, the National Business Institute, Rossdale CLE, MyLawCLE, the Pennsylvania Bar Institute and the American College of Mortgage Attorneys. He has litigated seminal cases and leading appeals, participated in serious criminal investigations and trials, moderated panels of judges, government enforcement attorneys and others, published works on finance issues, co-hosted the annual ACI National Forum on Residential Mortgage Litigation & Regulatory Enforcement, offered views for LexisNexis Expert Commentaries, appeared at the bi-annual Housing Forum of the Commonwealth of Pennsylvania, crafted accredited legal education programs on consumer finance matters, and developed state laws on mortgage issues.

    Gary Deutsch, Managing Chief Counsel, Mortgage Litigation, PNC Bank, National Association

    Gary A. Deutsch is Managing Chief Counsel - Mortgage Litigation for PNC Bank, N.A. Mr. Deutsch leads the litigation group supporting PNC Mortgage, the bank’s retail mortgage division that is one of the nation’s top mortgage lenders and servicers. Prior to joining PNC, Mr. Deutsch was assistant general counsel and chief litigation counsel for a large regional bank. In 2017, he was elected as a Fellow of the American College of Consumer Financial Services Lawyers.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • CMCP TRACK: Fair Lending and Equal Opportunity Laws


    Speaker(s)

    Melanie Brody, Partner, Financial Services Regulatory & Enforcement, Mayer Brown LLP

    Andrew Glass, Partner, K&L Gates

    Sanjay P. Ibrahim, Partner, Parker Ibrahim & Berg LLP

    Breakout Session,

    CMCP Track

    Read more Read less

    Learn essential facts about Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FH Act), the Home Mortgage Disclosure Act (HMDA), and the Community Reinvestment Act (CRA), including the history, background and purpose of each, the primary regulator and an explanation of the main provisions.

    Speaker(s)

    Melanie Brody, Partner, Financial Services Regulatory & Enforcement, Mayer Brown LLP

    Melanie Brody is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group and the Financial Services Regulatory & Enforcement practice. She concentrates her practice on consumer finance enforcement, supervisory and compliance matters, primarily for banks, mortgage lenders, auto lenders, credit card issuers, student lenders and other financial service providers. She represents clients in investigations, examinations and enforcement actions by the US Department of Justice, Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, Federal Reserve Board, Federal Deposit Insurance Corporation, Department of Housing and Urban Development, Federal Trade Commission, state banking regulators and state attorneys general.  She also develops compliance programs, and performs compliance and regulatory due diligence reviews. Melanie is a frequent speaker at conferences on various consumer finance issues, including fair lending enforcement, litigation and compliance, and compliance with federal and state consumer finance requirements. She also has published articles on a wide range of mortgage banking and consumer finance topics. Melanie is ranked among the top national lawyers in Consumer Finance by Chambers USA.

    Andrew Glass, Partner, K&L Gates

    Andrew Glass is a partner at K&L Gates LLP. He advises businesses in achieving integrated, multi-disciplinary solutions to managing risk. Mr. Glass and his project teams work closely with clients’ business lines, and their legal, compliance, and information technology departments, to navigate complex regulatory areas. Mr. Glass provides regulatory-compliance advice and policy and procedure review. He oversees audits and internal investigations and responds to government investigations. Mr. Glass defends complex litigation including class actions. He counsels companies in the financial services, energy, media and telecommunications, manufacturing, and consumer product industries. His multi-faceted approach to problem-solving delivers seamless solutions to clients’ legal challenges

    Sanjay P. Ibrahim, Partner, Parker Ibrahim & Berg LLP

  • EMERGING COMPLIANCE RISK TRACK: Lending to Nontraditional Borrowers


    Speaker(s)

    Gregory Blase, Partner, K&L Gates

    Rodney Abele, Senior Counsel, Regulatory Policy, PNC Bank, National Association

    Stephen Rudner, Managing Director, Treliant, LLC

    Breakout Session

    Read more Read less

    This session will focus on the legal issues that create compliance challenges around lending to nontraditional borrowers, including immigrants, borrowers employed by the gig economy, nontraditional wage earners, multigenerational households and more.

    Speaker(s)

    Gregory Blase, Partner, K&L Gates

    Rodney Abele, Senior Counsel, Regulatory Policy, PNC Bank, National Association

    Stephen Rudner, Managing Director, Treliant, LLC

    Steve Rudner, Managing Director and Head of Treliant’s New York Office, is a senior executive with 22 years of principal and advisory investment bank experience. His areas of expertise include the origination, servicing, warehouse lending, whole loan sale, product development, risk management, and securitization of residential mortgage loans as well as smaller commercial mortgage, credit card, unsecured consumer, and franchise loans.  Steve was a Managing Director and Co-Head of Morgan Stanley’s U.S. Residential Mortgage Business. At Morgan Stanley, his responsibilities included advisory services, non-market risk management, strategic planning, and product development. He also directly oversaw whole loan bulk acquisitions, the correspondent conduit, loan sale and securitization execution, and Saxon Mortgage Services - the servicing division of Saxon Mortgage. Steve began his career at Bear Stearns where he assumed various due diligence, finance, and securitization roles. He became Vice President in 1991 and was one of the initial members of Bear Stearns’ mortgage-backed securities department.  Most recently, Steve was the C.E.O. and co-founder of Access 3:42, an independent institutional equity research firm that hires sell-side research analysts and sells access to them and their research to hedge funds and money management firms.

  • LITIGATION FORUM/COMPLIANCE TRACK: TCPA


    Speaker(s)

    Eric Troutman, Partner, Womble Bond Dickinson (US) LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Eric Troutman, Partner, Womble Bond Dickinson (US) LLP

    Eric Troutman is one of the country’s prominent class action defense attorneys and is nationally-recognized in Telephone Consumer Protection Act (TCPA) litigation and compliance. He has served as lead defense counsel in more than 50 national TCPA class actions and has litigated nearly a thousand individual TCPA cases in his role as national strategic litigation counsel for major banks and finance companies. He also helps industry participants build TCPA-compliant processes, policies, and systems. An avid author, blogger and speaker, Eric was selected to advocate for the financial services industry on important TCPA issues before the Federal Communications Commission and he co-authored the nation’s only comprehensive practice guide on TCPA defense. In addition to TCPA work, he also leads defense teams representing banks and other financial services companies in consumer finance litigation matters.

  • LITIGATION FORUM/COMPLIANCE TRACK: State Litigation Trends


    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cavo LLP

    Jennifer LeBleu, SVP, Origination Risk, Compliance and Associate General Counsel, Mr. Cooper

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cavo LLP

    Steven Ginsburg is admitted to practice law in Florida, Georgia, and New York. He focuses on corporate and commercial litigation and matters involving banking, real estate, and construction litigation; insurance (including title insurance claims and litigation); agreements governed by the Uniform Commercial Code; noncompetition, trade secrets, cyber security and data protection, contractual disputes, and other civil tort litigation. He is a partner with Litchfield Cavo LLP. In addition to prosecution for and defense of financial institutions involving lender liability, asset recovery, title, property, construction matters, and the so-called “alphabet soup” (FDCPA, TCPA, FCRA, TILA, RESPA, ECOA), Steve also represents clients in class action litigation, RICO actions, fraud and price-fixing claims, vehicle wholesaling, financial practices, and foreclosures. He serves on several MBA and ABA Committees, and has authored the Florida Bar’s Discovery practices chapter for more than 14 years.

    Jennifer LeBleu, SVP, Origination Risk, Compliance and Associate General Counsel, Mr. Cooper

    Ms. LeBleu manages regulatory compliance, risk and legal support for the mortgage loan origination business - from the initial marketing of products and services to the time a new mortgage loan funds and boards to the servicing system. This includes day to day support of regulatory compliance matters, issues remediation, credit risk oversight (including QC functions), operational risk oversight, and partnering with the mortgage loan origination business in various initiatives. Ms. LeBleu joined Mr. Cooper in 2013 and is a licensed attorney with 17 years of mortgage lending legal and regulatory compliance experience. Prior to joining Nationstar, she was an attorney for 8 years supporting various mortgage lending channels at Citigroup. Prior to Citigroup, she worked at a law firm in Dallas, Texas.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • Breakout Session,

    CMCP Track

    Read more Read less

    Gain an understanding of the specific loan data collected and reported in accordance with HMDA regulations. Learn about enforcement of the rule and get tips and resources from experts on complying with the rule.

  • EMERGING COMPLIANCE RISK TRACK: Navigating State UDAP Laws


    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

    The Acting BCFP director has encouraged states to be active enforcers of consumer protections. State Unfair and Deceptive Acts and Practices (UDAP) laws are an important tool that can be used. Learn the state UDAP theories and how they are being applied.

    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

    Sabrina Rose-Smith is a partner in Goodwin's Financial Industry and Consumer Financial Services Litigation
    practices. Her nationwide practice includes both defending financial institutions against consumer class actionsand government enforcement actions, and regulatory compliance counseling for banks, credit card issuers, mortgage lenders and specialty finance companies. She is the lead editor of two firm blogs: LenderLaw Watch and Consumer Finance Enforcement Watch. Goodwin's LenderLaw Watch blog monitors, chronicles andanalyzes news and legal issues affecting clients and others in the consumer finance industry; Goodwin’s Consumer Finance Enforcement Watch blog is the marketplace’s first resource for real-time reporting on the full range of public federal and state consumer finance enforcement activity. She also serves as chair of the firm’s Committee on Racial and Ethnic Diversity.  Ms. Rose-Smith defends financial services clients in cases involving the Truth In Lending Act (TILA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Fair Housing Act (FHA), the Equal Credit Opportunity Act (ECOA), the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), the Telephone Consumer Protection Act (TCPA), state and federal unfair and deceptive trade practices (UDAP) statutes and other alleged violations of law arising from her clients’ lending, servicing and/or collections activity.
    Ms. Rose-Smith serves as Chair of CRED@Goodwin.

  • Breakout Session,

    Litigation Forum

  • Breakout Session,

    Litigation Forum

  • Breakout Session,

    CMCP Track

    Read more Read less

    This session reviews organizational models for help desks, staffing details, and key performance metrics. Included are examples of common compliance concerns and suggestions on how help desk staff can best handle inquiries.

  • EMERGING COMPLIANCE RISK TRACK: Anti-Money Laundering, Know your Customer and Fraud


    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

    Nima Vahdat, Senior Vice President and Chief Compliance Officer, Impac Mortgage

    Heidi Wier, Managing Director, Regulatory Compliance and Internal Audit and Fair Lending, CrossCheck Compliance LLC

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

    There continues to be focus on mortgage companies to ensure that borrower information is correct and to detect fraud and money laundering. Learn the recent trends in fraud and how to stay on top of AML and KYC requirements.

    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

    Joseph Silvia is senior counsel in Chapman & Cutler’s Banking and Financial Services Department. Joe concentrates his practice with financial institutions on general corporate matters, mergers, acquisitions, strategic transactions, financial technology (Fintech), and banking and consumer finance regulation. Before joining Chapman, Joe practiced in the Chicago office of two Am Law 150 law firms and spent four years as counsel to the Federal Reserve Bank of Chicago where he focused on bank, bank holding company, and savings and loan holding company supervision and regulation, as well as consumer finance and compliance matters. Joe advises clients and regularly writes and speaks to industry groups on topics related to the supervision and examination of banks and non-bank financial institutions, including M&A, corporate governance, vendor management, BSA/AML, Fintech, and regulatory compliance. Joe is also an Adjunct Professor of Law in Consumer Banking at the Chicago-Kent College of Law.

    Nima Vahdat, Senior Vice President and Chief Compliance Officer, Impac Mortgage

    Nima Vahdat is Impac Mortgage’s Senior Vice President and Chief Compliance Officer. In this position, he oversees all compliance activities for the organization and also acts as the organization’s Fair & Responsible Lending Officer. Prior to joining Impac, Nima was SVP, Associate General Counsel for loanDepot overseeing all origination compliance, fair lending, and fraud/AML activities for the organization. In his career, Nima has worked in banking compliance at organizations including Discover and Washington Mutual. Nima received his law degree from the University of Michigan and his MBA from California State University, Fullerton. He is also an author for such publications as the ABA Bank Compliance Magazine, Mortgage Compliance Magazine, and Banking CIO Outlook Magazine and is a frequent speaker at various industry forums such as the Mortgage Bankers Association and California Mortgage Bankers Association.

    Heidi Wier, Managing Director, Regulatory Compliance and Internal Audit and Fair Lending, CrossCheck Compliance LLC

    Heidi is a regulatory compliance and internal audit professional with over twenty-five years of experience in the financial and professional services industries. She has consulted with mortgage companies and banks of all sizes on their internal audit and compliance needs. Prior to joining CrossCheck, her responsibilities included leading the internal audit and controls practice of the Wisconsin office of Jefferson Wells International, where she managed and performed comprehensive audit and compliance reviews for companies of various sizes and industries. She also held positions in internal audit, mortgage operations, and compliance with Banc One Corporation, a twelve-state $90 billion bank holding company, where she provided support throughout the Midwest region. Heidi has particular expertise in the areas of ECOA, HMDA, Regulation Z, RESPA, AML/BSA and other lending regulations.

  • LITIGATION FORUM/COMPLIANCE TRACK: Servicing


    Speaker(s)

    Allison J. Schoenthal, Partner, Hogan Lovells US LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Allison J. Schoenthal, Partner, Hogan Lovells US LLP

    As the scrutiny on financial institutions increases, Allison Schoenthal is on the front lines successfully defending clients against suits by consumers and government entities. Head of our Consumer Finance Litigation Practice, Allison has over a decade of experience representing banks, trusts, lenders, government-sponsored enterprises, private equity companies, and loan servicers. Allison’s understanding of the financial services industry and her wealth of experience — handling over 1,000 contract and consumer finance matters — has resulted in a favorable track record for clients in the lending industry.  Allison and her team have obtained important rulings for financial institutions, including setting legal precedent by shielding lenders from claims of negligence, determining the standard for standing in foreclosure actions, and establishing case law upholding the Mortgage Electronic Registration System.  Defending against claims under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Home Owners Equity Protection Act (HOEPA), False Claims Act (FCA), Deceptive Practices Act (DPA), and other consumer lending laws, Allison handles suits filed individually or as part of a mass or class action. She defends clients against enforcement actions and investigations by government entities including the U.S. Attorney’s Office and Consumer Financial Protection Bureau (CFPB), and also provides compliance advice and risk assessments.  With an extensive number of cases under her belt, Allison has immense knowledge of the procedures and practices of the New York state and federal courts and is an experienced and effective writer and advocate. She has written countless briefs, authored articles, and handled numerous oral arguments and presentations. Allison has been quoted in The New York Times, Newsday, Bloomberg BusinessWeek, Inside Mortgage Finance, Law360, and the New York Law Journal on consumer finance and mortgage foreclosure issues.

  • Breakout Session,

    Litigation Forum

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • Opening Reception: Independence Party

    Location: Independence Foyer,
    Independence Level

    Networking Opportunity,

    Reception

Monday, September 17, 2018

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • Continental Breakfast

    Location: Independence Foyer,
    Independence Level

    Breakfast

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • General Session

    Read more Read less

    First, get an update on some of the work MBA is doing on behalf of the industry with regulators and on Capitol Hill. Then, hear directly from some Washington regulators about the latest programs and priorities at their agencies.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • GENERAL SESSION: Mid-Term Election Update

    Location: Independence A,
    Independence Level


    Speaker(s)

    Jim Ellis, Senior Political Analyst, Business-Industry Political Action Committee (BIPAC), Publisher, Ellis Insight, LLC

    Alden Knowlton, Director, Political Affairs, Mortgage Bankers Association

    General Session

    Read more Read less

    Mid-term elections are upon us, and political change often means policy change. Get the latest insights of Jim Ellis, a seasoned expert on the impact of elections on our industry.

    Speaker(s)

    Jim Ellis, Senior Political Analyst, Business-Industry Political Action Committee (BIPAC), Publisher, Ellis Insight, LLC

    As creator of the Ellis Insight publication and Senior Political Analyst for the Business-Industry Political Action Committee (BIPAC), Jim Ellis analyzes electoral politics and reports upon trends, characteristics, and tendencies in American elections.  He formerly provided political consulting services to the House Republican majority through 2006, has run two national political action committees, and managed successful political campaigns.  Jim speaks around the country on politics, previously appeared as a debate participant on the CBS affiliate in Washington, DC’s morning news program, and has been interviewed on many national and local radio programs.

    Alden Knowlton, Director, Political Affairs, Mortgage Bankers Association

    Alden currently serves as the Director of Political Affairs for the Mortgage Bankers Association (MBA) where she oversees the PAC (MORPAC) and Grassroots Advocacy (Mortgage Action Alliance) programs of the association, including the development and execution of an over $2 million/cycle fundraising and federal disbursement plan, direction of all grassroots activities of the 23,000 member network, including industry “Calls to Action,” and management of the annual National Advocacy Conference in Washington, D.C. In her first 1.5 years, she managed the design and launch of MBA’s mobile advocacy app and expanded e-advocacy activities using a variety of social media platforms to reach a new demographic of members, increasing Mortgage Action Alliance membership by over 75%.  She also serves as one of MBA’s key contacts within the PAC community and political party organizations and is a frequent guest speaker at events and on webinars, addressing hundreds of other PAC professionals about a variety of topics related to advocacy.  She previously served as the ACRE® (PAC) Manager at the National Rural Electric Cooperative Association (NRECA), where she managed all aspects of the ACRE® and ACRE Co-op Owners for Political Action® outreach programs, serving as lead facilitator for statewide associations and local rural electric cooperatives in the creation of ACRE strategic planning efforts. She planned and implemented an annual ACRE workshop to train local and statewide ACRE staff, ensuring compliance of ACRE programs with federal law, developing innovative strategies for marketing and promoting ACRE at both the national and local cooperative level.  She led a 50th Anniversary marketing and fundraising campaign that incorporated an accelerated peer to peer outreach strategic plan among national leadership, resulting in a program record $3.8 million raised from over 35,000 individual contributors giving an average of $59 in the 2016 election cycle. During her tenure, she generated a 47% increase in PAC memberships among electric cooperative member-owners, with over 11,000 members at over 100 cooperatives contributing via their electric bill.  Prior to NRECA, she worked for 5 ½ years consulting on political campaigns, providing fundraising and campaign strategy services for Congressional incumbents and candidates.

  • Luncheon with Featured Speaker

    Location: Constitution Ballroom,
    Constitution Level

    Luncheon

  • APPLIED COMPLIANCE TRACK: Trends in RESPA Section 8 Compliance


    Speaker(s)

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Anthony Alexis, Partner, Goodwin

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services, Inc.

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    RESPA Section 8 and the associated issues—marketing services agreements, joint ventures, etc.—are increasingly a focus of the industry following the PHH decision. Experts consider various practices to discuss the state of RESPA following the decision and offer thoughts on how to navigate the uncertain landscape.

    Speaker(s)

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Brian S. Levy, Of Counsel with Katten & Temple, LLP in Chicago, provides practical and creative compliance, transactional and regulatory guidance for mortgage lenders and related providers to the mortgage industry. Brian has unique sales and in-house experience enabling him to offer actionable guidance and effective training on matters such as RESPA (MSA’s, lead sharing, joint marketing, desk leases, AfBA’s, etc.), LO compensation, mortgage repurchase defense, loan sale agreements, and other regulatory and enforcement issues.  Brian is a frequent conference speaker and is also a member of the American College of Consumer Financial Services Lawyers and the American College of Mortgage Attorneys. Among other articles and publications, Mortgage Banking Magazine featured two of his articles: Buybacks-They’re Not Going Away (September 2013) and CFPB’s Enforcement-First Approach, regarding the CFPB’s enforcement-based method of providing compliance guidance (April 2016).  Brian was General Counsel for a mid-sized midwestern bank (and its 3 mortgage banking subsidiaries) from 1994-2009 and prior to that worked for 5 years handling primarily commercial real estate matters at a large firm in Chicago.

    Anthony Alexis, Partner, Goodwin

    Tony Alexis serves as the head of the Goodwin’s Consumer Financial Services Enforcement Practice. His practice focuses primarily on consumer financial services and government and regulatory investigations. Prior to joining Goodwin, Mr. Alexis served as Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. He also coordinated strategy, investigations and litigation in areas such as payday/short-term loans, mortgages, credit cards, credit reporting, debt collection, student and automobile lending, and payments systems with leaders of the enforcement and regulation departments at the DOJ, U.S. Attorneys’ Offices, state attorneys general, SEC, CFTC, FDIC, OCC, and the NY-DFS. Mr. Alexis also served as a member of the CFPB’s Executive Committee and its Civil Penalty Fund Governance Board. He joined the CFPB as the Deputy Enforcement Director for Field Litigation, and was responsible for enforcement work conducted by enforcement’s four regional offices.

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters. Mr. Schulman served as chief legal counsel for HUD’s Office of Inspector General and Mortgagee Review Board. He is a frequent lecturer on real estate and mortgage banking matters and has co-authored several books on RESPA, including A Practical Guide To The Real Estate Settlement Procedures Act. He is admitted to practice before various state and federal courts including the U.S. Supreme Court.

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services, Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending; specializing in integrating compliance and technology. He is currently Executive Vice President of Compliance, and has lead compliance since 2009 at First Choice Loan Services Inc., a Berkshire Bank Company, America’s Most Exciting Bank® He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, Immediate Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine. Weinberg also consults privately for some of the top mortgage technology vendors in the country. Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Robert Lotstein is the Managing Attorney for LotsteinLegal PLLC based in Washington, DC. Robert is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell®, the highest recognition available for both legal professional ability and ethics.  Robert counsels clients on compliance applicable to mortgage lending, including banks, mortgage lenders, mortgage brokers, real estate companies, and other institutions offering services in conjunction with lending. Robert advises clients about growth strategies, including joint ventures, acquisitions, outsourcing, and expansion. Robert advises clients on state and federal requirements. Robert also provides government relations services.  For fifteen years, Robert was the Managing Partner of Lotstein Buckman LLP, a Washington, DC law firm that provided a wide range of services to the mortgage banking industry. The firm advised clients on federal, state, and local regulatory compliance issues, licensing, and other regulatory approvals and exemptions, and also provided government relations services for clients in Washington, DC and state capitals around the country.  Robert served for many years as ABN AMRO’s (as well as their subsidiary InterFirst) Washington DC Lobbyist and Counsel. On behalf of the Company, Robert worked with members of Congress, their staffs, banking committees as well as government agencies including HUD, the Federal Reserve, FDIC, and the OTC.  Robert served as General Counsel to the National Association of Mortgage Brokers (“NAMB”) and was a member of the NAMB's Board of Directors for six years. He provided legal counsel as well as lobbying efforts on behalf of the Association.  Lotstein Buckman launched iComply®, an online mortgage banking compliance analysis database for all 50 states and the District of Columbia and published an annual Mortgage Banking Regulators Directory and Guide. iComply was sold in 2007 to Thomson Reuters and is now included in its family of database products under the Westlaw Compliance Advisor umbrella. Mr. Lotstein served as a consultant for Thomson Reuters for three years.  Robert is a member of the Advisory Committee of the American Association of Residential Mortgage Regulators. Robert serves on several task forces and working groups related to the Consumer Financial Protection Bureau's loan officer compensation rule, RESPA, state and federal repayment ability standards, synchronization of disclosures under RESPA and TILA, and changes from the Dodd-Frank law.  American Lawyer Media and Martindale-Hubbell™ named Robert as a "2013 Top Rated Lawyer in Banking and Finance Law." In 2015, The Wall Street Journal listed Robert as a DC “Top Rated Lawyer” and “Legal Leader.” In 2016, Martindale-Hubbell, Robert has been rated at the highest level for professional legal ability and ethics. In 2018, Robert was elected as a Fellow of the American College of Consumer Financial Services Lawyers.

  • COMPLIANCE IMPERATIVE: Surviving Your Exam


    Speaker(s)

    Joseph E. Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    John D. Socknat, Partner, Ballard Spahr LLP

    John "Jack" Konyk, Executive Director, Government Affairs, Weiner Brodsky Kider PC

    Vernon Tanner, CRCM, Senior Vice President, Operational Compliance Manager, Crescent Mortgage Company

    Breakout Session

    Read more Read less

    State and federal examinations are continuing. Learn the latest examination trends and get practical guidance on how to “survive” your exam from practitioners that have gone through them.

    Speaker(s)

    Joseph E. Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    Jed Mayk is a partner in the West Chester, Pennsylvania office of Hudson Cook, LLP and Chair of the firm’s Mortgage Lending and Servicing Practice Group. He concentrates his practice on state and federal regulatory compliance for the mortgage, home equity, and other consumer lending programs of depository institutions and licensed lenders. Jed counsels clients on TILA, RESPA and the other core mortgage banking laws and regulations, as well as on federal real estate lending and appraisal rules for depository institutions, OCC preemption, exportation and most favored lender issues. Jed is the co-Editor in Chief of HouseLaw and a co-author of the RESPA/TIL Integrated Disclosures chapter of The Law of Truth in Lending.

    John D. Socknat, Partner, Ballard Spahr LLP

    John Socknat is the Practice Leader of Ballard Spahr 's Mortgage Banking Group, and a member of the firm's Marketplace Lending Task Force. He devotes his practice to counseling financial services institutions on compliance and licensing matters under state and federal law, preparing them for examinations and audits by state and federal regulators, including the Consumer Financial Protection Bureau (CFPB), and defending them in enforcement actions.  John’s clients include mortgage lenders and servicers, financial institutions, real estate brokers, secondary market investors, consumer finance companies, fintech companies, marketplace participants and outsource service providers, among others.  John assists clients with developing compliance programs and implementing and operationalizing new regulations. He also represents clients in connection with loan and servicing rights purchase and sale agreements, servicing and sub-servicing agreements and stock and asset purchase and sale agreements. John is a frequent presenter at industry conferences and is a member of the Advisory Council to the American Association of Residential Mortgage Regulators (AARMR), the SRR Industry Advisory Council, and a Fellow of the American College of Consumer Financial Services Lawyers.

    John "Jack" Konyk, Executive Director, Government Affairs, Weiner Brodsky Kider PC

    Jack has over four decades of experience in a wide array of positions in consumer banking and lending, concentrated in all aspects of mortgage finance, as well as senior positions in regulatory compliance, enterprise risk management, and public and government affairs management at a variety of institutions including National City/PNC Mortgage, and Mellon Bank. Jack is active in industry trade associations, a frequent speaker at conferences across the country, and a prominent voice for the industry with legislators and regulators at all levels of government. He is a past member of the MBA’s Board of Directors, is active on numerous MBA committees and has held leadership positions on many. Jack is also Chairman of the American Association of Residential Mortgage Regulators (AARMR) Industry Advisory Council, and has had significant involvement with the Financial Services Roundtable’s Housing Policy Council and the ABA’s Mortgage Markets committee. He now serves in an advisory and consulting capacity, as Executive Director of Government Affairs at Washington DC-based Weiner Brodsky Kider PC, one of the nation's leading financial services law firms.

    Vernon Tanner, CRCM, Senior Vice President, Operational Compliance Manager, Crescent Mortgage Company

    Vernon Tanner has enjoyed a career spanning more than 25 years in the banking industry. He was a Bank Examiner before entering the private sector as a Loan Officer, Credit Officer, and Chief Compliance Officer. Since 2013, he’s been the Sr. VP and the National Operational Compliance Manager for Crescent Mortgage Company in Atlanta.  He’s served in leadership roles in our industry that include being a guest faculty member and speaker for State Banking Trade Associations on Compliance and Credit topics. He’s an active member of the Compliance Committee for the Mortgage Bankers Association at the State and National level. He’s also been a panelist for the Atlanta chapter of the Professional Risk Managers International Association, and for CPA firms advising Banks.  He’s been published in the ABA Banking Journal regarding the use of Enterprise Risk Management principals in Compliance Management Systems at Community Banks, and in State Trade Association Journals on the topic of obtaining favorable examination ratings. He holds the Certified Regulatory Compliance Manager designation.

  • Breakout Session,

    Regtech Fintech Track

    Read more Read less

    The increasing reliance on mobile devices has changed the way consumers expect to interact with loan originators and servicers. This session explores the compliance challenges that arise when seeking to meet borrowers through their preferred communication channel or by adding process efficiencies to the loan manufacturing process.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: Ongoing Compliance Challenges of Social Media


    Speaker(s)

    Barbara Boccia, CRCM, Senior Director, Advisory Services & Regulatory Relations, Wolters Kluwer

    James Milano, Member, Weiner Brodsky Kider PC

    Shayna H. Arrington, Chief Compliance Office, The Money Source Inc.

    David K. Stein, Partner, Bricker & Eckler LLP

    Jeffrey P. Naimon, Partner, Buckley Sandler LLP

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    Social media marketing is a key tool for loan originators and companies that are seeking to increase production volumes. This activity is heavily regulated and monitoring employees social media can be a challenge for compliance professionals. This panel walks through common social media scenarios to illustrate the latest requirements and how to build effective systems to ensure enterprise compliance.

    Speaker(s)

    Barbara Boccia, CRCM, Senior Director, Advisory Services & Regulatory Relations, Wolters Kluwer

    Barbara Boccia, CRCM, MBA, JD, is a Senior Director and manages the Advisory Services and Regulatory Relations team at Wolters Kluwer across a wide range of consulting engagements, including fair lending, CRA, HMDA and UDAAP. She brings more than 30 years of professional experience to strategic and technical regulatory compliance engagements relating to consumer protection regulations, including reviews of Compliance Management Systems (CMS), Compliance Risk Assessments (including fair lending and UDAAP), Complaint Management Programs, and Third Party Vendor Management Programs. Her work includes helping clients with regulatory change management, preparing for exams, resolving regulatory enforcement actions, assisting with remediation efforts and Board training. She is a frequent speaker at industry events.

    James Milano, Member, Weiner Brodsky Kider PC

    James M. Milano is a partner with the law firm at Weiner Brodsky Kider PC, based in Washington, D.C. Jim represents and advises mortgage and finance companies on issues such as: (i) responding to federal and state regulatory audits and enforcement actions; (ii) state regulatory approvals; (iii) lending and servicing programs; (iv) state laws and regulations concerning loan disclosures, allowable fees, servicing and prohibited practices; (v) federal laws and regulations including, but not limited to, TILA, RESPA, ECOA, FDCPA, HMDA, FCRA, and GLBA (privacy); and (vi) implementation of the Dodd-Frank Act and CFPB regulations. Jim also represents investors and sellers in the acquisition and sale of mortgage and finance companies and consumer finance and mortgage assets. Jim is nationally recognized as one of the leading lawyers in the area of reverse mortgage law. Jim is a member of the Governing Committee of the Conference on Consumer Finance Law and a Fellow of the American College of Consumer Financial Services Lawyers. Among other publications, Jim also is Co-Author of the MBA Compliance Essentials℠: Fair Credit Reporting Act Resource Guide (2013), and the MBA Compliance Essentials℠: Consumer Complaints Resource Guide (2016). Jim is a frequent speaker at financial services trade association meetings, conferences and webinars.

    Shayna H. Arrington, Chief Compliance Office, The Money Source Inc.

    As the Chief Compliance Officer at The Money Source Inc. (TMS), Shayna oversees compliance across all business channels, including Correspondent, Wholesale, Retail, and Servicing. Before joining TMS, Shayna worked at a mortgage banking focused law firm where she served as outside compliance counsel to a variety of lenders and servicers. She has extensive government and regulatory experience, including time at the Department of Housing and Urban Development and the Department of Justice.

    David K. Stein, Partner, Bricker & Eckler LLP

    David K. Stein is a Partner at Bricker & Eckler LLP. He chairs the firm’s Consumer Financial Services practice group and maintains a national practice in this area.  David represents lenders facing critical issues related to marketing and sales practices, loan servicing, licensing, state and federal regulatory examinations and investigations and defense of enforcement actions and consumer claims. He is involved in complex litigation throughout the U.S., including class action defense and multidistrict litigation. David has appeared in actions before various U.S. District Courts, as well as the 6th Circuit Court of Appeals, the CFPB, FTC and in proceedings before State Attorneys General in multiple jurisdictions.  A leading expert on advertising and sales practices, David is the author of the MBA’s Social Media and Digital Advertising Compliance Resource Guide. David serves on various banking industry committees, including the Mortgage Bankers Association Legal Committee, Litigation Subcommittee and Risk Committee, as well as the ABA’s Consumer Financial Services Committee. Named as Top Lawyer in Financial Markets by Columbus C.E.O. Magazine, he is a nationally recognized speaker, and frequently trains companies in matters concerning fair lending, advertising and social media, sales practices, and anti-money laundering and obligations under the Bank Secrecy Act.

    Jeffrey P. Naimon, Partner, Buckley Sandler LLP

    Jeff Naimon is a Partner in the Washington, DC office of Buckley Sandler LLP, with more than 20 years of experience assisting bank and non-bank financial services providers (and investors in same) with regulatory, enforcement, and transactional matters. He defends financial services companies facing complex examination or enforcement matters before the Consumer Financial Protection Bureau (CFPB), and federal and state banking and mortgage regulators, with a focus on fair lending, unfair, deceptive, or abusive acts and practices (UDAAP), loan servicing, privacy and credit reporting, debt collection, servicemember protections and other consumer protection issues. He assists banks and non-banks structure, negotiate, and operate a variety of vendor management and outsourcing programs and other third-party arrangements, including performing due diligence, negotiating transactions, and advising on ongoing oversight protocols to meet regulatory expectations for third-party arrangements. Mr. Naimon also assists in negotiating acquisition, capital markets, and servicing transactions, advising on how best to structure the transaction to reduce risk and expedite deal closure, performing due diligence, and assisting in obtaining the necessary change of control and other regulatory approvals. Mr. Naimon is consistently recognized as a leading lawyer in Financial Services Regulation: Consumer Finance (Compliance) in Chambers USA, which praised him for his "extremely high intellect regarding compliance matters and negotiation skills. There's none better at arguing a disputed point." He is also a Fellow of the American College of Consumer Financial Services Lawyers. He previously served as Co-chair (2011-2013) and Co-vice Chair (2008-2010) of the Truth in Lending Subcommittee of the American Bar Association’s Consumer Financial Services Committee, and has authored numerous articles on consumer financial services.

  • COMPLIANCE IMPERATIVE: Changing Regulatory Landscape


    Speaker(s)

    Jeff Grogin, Senior Managing Director, Chief Administrative Officer, PennyMac Financial Services, Inc.

    Benjamin K. Olson, Partner, Buckley Sandler LLP

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Daniel Burstein, Senior Managing Director, Guildepost Solutions, LLC

    Breakout Session,

    Compliance Imperative Track

    Read more Read less

    Learn how changes at OCC, CFPB and the offices of the states’ Attorneys General is changing impacting the compliance officer’s daily work.

    Speaker(s)

    Jeff Grogin, Senior Managing Director, Chief Administrative Officer, PennyMac Financial Services, Inc.

    In 2008, Mr. Grogin helped create PennyMac. The PennyMac family of companies includes two NYSE-listed companies (PFSI and PMT) operating primarily in three business segments: loan production, loan servicing, and investment management. Mr. Grogin presently serves as a Senior Managing Director and Chief Administrative Officer for both companies and oversees these teams: legal, licensing, regulatory relations, administration, facilities, corporate training, communications, and human resources. Since its inception in 2008, Mr. Grogin has also served on the Board of Directors of PennyMac's mortgage banking subsidiary, PennyMac Loan Services, LLC.  BPM (Before PennyMac), Jeff and his wife founded Snood, LLC, a computer games publisher. Snood, LLC initially focused on desktop games while licensing its games for hand-held controllers and wireless platforms. Presently, Snood, LLC focuses on mobile and tablet games.  He began his legal career at Gibson, Dunn & Crutcher, LLP's Century City office before founding Samaha Grogin, LLP in 1991. In private practice, Mr. Grogin focused on real estate, mergers and acquisitions, securities, intellectual property, and mortgage banking law.

    Benjamin K. Olson, Partner, Buckley Sandler LLP

    Benjamin K. Olson is a partner in the Washington, D.C. office of BuckleySandler LLP. A recognized authority in the field of consumer financial protection regulation and frequent speaker at industry conferences, his practice focuses on advising clients on compliance with mortgage, credit card, and other consumer protection regulations and responding to government inquiries. He is the former Deputy Assistant Director of the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) where he oversaw numerous Dodd-Frank Act rulemakings, including the TILA-RESPA Integrated Disclosure (TRID) rule, the Ability-to-Repay/Qualified Mortgage rule, the Mortgage Servicing rules, and the CFPB’s amendments to the Loan Originator Compensation rule. Before joining the CFPB, he played a leading role in the drafting of the rules implementing the Credit Card Accountability Responsibility and Disclosure (CARD) Act at the Federal Reserve Board. Prior to that, he served as an enforcement attorney in the Federal Trade Commission’s Division of Financial Practices, where he investigated financial service providers for unfair and deceptive practices (UDAPs) and other violations of consumer financial protection laws. He clerked for the Honorable Emilio M. Garza on the United States Court of Appeals for the Fifth Circuit.

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Ken is Of Counsel in Weiner Brodsky Kider’s regulatory compliance practice where he brings more than 45 years of experience in housing and mortgage legislation, regulation and litigation.  Until September 30, 2017, Ken was Vice President and Regulatory Counsel of the Mortgage Bankers Association where he worked on and represented the industry in the development of the Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the rules under it including the Ability to Repay, TILA RESPA Integrated Disclosures (TRID), Loan Originator Compensation and Home Mortgage Disclosure Act (HMDA) rules. At MBA, he also worked on matters under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Housing Act, S.A.F.E. Mortgage Licensing Act and virtually every other law governing the industry.  Before coming to MBA, Ken served for more than 32 years in HUD's Office of General Counsel where he became Assistant General Counsel for Government Sponsored Enterprises/RESPA. In addition to developing RESPA legislation, rules and guidance, he was one of the principal architect of HUD's GSE Rules.  Ken is a frequent speaker and trainer on mortgage lending issues before industry and other groups.

    Daniel Burstein, Senior Managing Director, Guildepost Solutions, LLC

    Daniel M. Burstein oversees the Financial Institutions practice for Guidepost Solutions. He has more than 14 years of experience in the areas of regulatory investigations and enforcement, regulatory compliance, commercial litigation, and internal investigations.  At Guidepost, Mr. Burstein helps companies throughout the mortgage life cycle with regulatory compliance issues and to help them prepare for their next exam. He currently serves as Independent Compliance Consultant to a non-bank mortgage lender pursuant to the lender’s settlement with the US Department of Justice and Department of Housing and Urban Development.  Before joining Guidepost, Mr. Burstein served as Executive Deputy Superintendent and Acting Chief of Staff for the New York State Department of Financial Services. He headed the Department’s Real Estate Finance Division, which is responsible for regulation of the state’s mortgage industry as well as other real estate and homeowner industries such as title insurance and mortgage insurance. In addition to negotiating major enforcement actions, Mr. Burstein’s projects for the Department included reviewing non-bank mortgage servicers, reforming the state’s foreclosure process, standardizing maintenance of vacant properties, licensing title insurance agents, overhauling the mortgage licensing process, and helping consumers and businesses recover from Superstorm Sandy.

  • REGTECH FINTECH TRACK: Data Security Compliance Update


    Speaker(s)

    Damon Smith, Partner, Jenner & Rock LLP

    Ashley Hutto-Schultz, Senior Associate, Hogan Lovells US LLP

    Ash Khan, Managing Director, Treliant, LLC

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

    Christy Ames, Senior Vice President and General Counsel, Republic Bank

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Data security must always be top of mind for anyone focused on business risks. Join a discussion on best practices for data security, identifying emerging threats and how to structure a flexible and responsive data security regime.

    Speaker(s)

    Damon Smith, Partner, Jenner & Rock LLP

    Damon Smith is a partner in Jenner & Block’s Government Controversies and Public Policy Litigation and Real Estate practice groups. Mr. Smith has extensive experience with the intersections of law and public policy, gained in the private sector, academia and in several senior public sector positions, including as acting general counsel for the U.S. Department of Housing and Urban Development.
    Since joining Jenner & Block, Mr. Smith has represented financial services companies on a variety of federal and state regulatory compliance matters and led internal investigations and policy reviews on their behalf. In addition, he has helped leading mortgage banks mitigate litigation risk on complex matters.
    Mr. Smith’s extensive knowledge of banking and consumer regulations impacting residential mortgages has led him to represent clients before the primary regulators in the field, including the Federal Housing Administration, the Federal Housing Finance Agency, the Consumer Financial Protection Bureau and state Attorneys General.

    Ashley Hutto-Schultz, Senior Associate, Hogan Lovells US LLP

    Ashley Hutto-Schultz handles a broad array of US state and federal financial services regulatory matters. She helps established companies and new US market entrants navigate the intricacies of the consumer financial services regulatory landscape. Representative clients include FinTech companies, bank and non-bank mortgage lenders, servicers, and third-party service providers.  Ashley also has first-hand operational experience as the Director of Compliance at an independent mortgage lender where she served as the AML Compliance Officer and ran all aspects of the regulatory compliance management system. Prior to that, she worked on similar matters as an associate at an Am Law 200 firm.

    Ash Khan, Managing Director, Treliant, LLC

    Ash Khan, Managing Director of Treliant, has over 20 years of experience in information security, technology risk management, enterprise architecture, and technology infrastructure. His expertise spans a diverse range of industries including banking, insurance, pharmaceuticals, and government.  Prior to joining Treliant, Ash has held progressively senior leadership roles, most recently as the Chief Information Security Officer of the Global Consumer Banking division of Citigroup. In this role, he was accountable for ensuring the security of the Global Consumer Banking portfolio of products, services, applications, and customer data spanning the online, mobile, voice, branch, and ATM channels. During his tenure, he helped the business securely deploy innovative banking products utilizing leading-edge security capabilities, reducing risk while improving customer experience. He was also responsible for driving the Citi Payment Card Industry (PCI) Data Security Standard Program and represented Citi on the PCI Council Board of Advisors for several consecutive terms.  Ash has hands-on experience managing the Information Security risk of complex mergers and acquisitions. He has built security programs from inception through execution, augmenting traditional security program management with business continuity, disaster recovery, and IT compliance.

    Mitchel H. Kider, Chairman and 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 36 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 2017-2018).

    Christy Ames, Senior Vice President and General Counsel, Republic Bank

    Christy Ames is SVP, General Counsel at Republic Bank & Trust Company in Louisville Kentucky. Prior to joining Republic Bank, she was a Member of Stites & Harbison, PLLC, chairing its Financial Institution Litigation Sub Group and representing lenders and servicers in class actions, individual borrower lawsuits, and complex foreclosures. Prior to joining Stites & Harbison, Christy was General Counsel for First Residential Mortgage Network, Inc., a residential mortgage lender licensed in over forty states. Christy is a frequent presenter for the Mortgage Bankers Association of America and the American Conference Institute.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: UDAAP Compliance


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Ori Lev, Partner, Mayer Brown LLP

    Francis X."Trip" Riley, III, Partner, Saul Ewing LLP

    Michael Waldron, Chief Compliance Officer, Bayview Loan Servicing, LLC

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    This session presents scenarios that may present violations to the Unfair Deceptive and Abusive Acts and Practices (UDAAP) rule. Attend this session to test your analysis of the situation against the experts and learn key principles for conducting UDAAP analysis.

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Ori Lev, Partner, Mayer Brown LLP

    Ori Lev is a financial services partner in Mayer Brown’s Washington, D.C. office. He concentrates his practice on representing financial institutions and other companies in government enforcement matters, internal investigations, and litigation, and providing regulatory advice and counsel on federal consumer financial and economic sanctions law. Ori has an extensive regulatory enforcement background, both at the Consumer Financial Protection Bureau (CFPB), where he served as a founding member of the agency and as deputy enforcement director, and at the Office of Foreign Assets Control (OFAC), where he led the office of enforcement. Ori represents clients in CFPB investigations, assists clients in preparing self-disclosures, and advises clients on UDAAP and other regulatory risks. He also provides advice regarding the CFPB’s jurisdiction, authority, priorities, and practices.

    Francis X."Trip" Riley, III, Partner, Saul Ewing LLP

    Trip Riley has extensive experience representing companies, on both the defense and plaintiffs side, in complex, high-exposure commercial litigation. His clients range from financial services companies and real estate brokerage companies, to national retailers and a variety of franchisors in actions involving claims of fraud, unfair competition, antitrust, tortious interference, conspiracy, RICO violations, theft of trade secrets, IP infringement, and breach of contract. He has also defended his clients against shareholder and partner derivative actions, and consumer class actions brought under various federal and state consumer protection laws.  Trip is co-chair of the Firm’s Consumer Financial Services Litigation practice group. Accordingly, Trip counsels on and litigates issues related to the CFPA’s UDAAP Provisions; RESPA; TILA; Reg. X; Reg. Z; ECOA; FRCA; TCPA; FDCPA; FACTA; Consumer Data Protection and Use, Cyber Security; and other statutory and common law consumer complaints. In addition he represents clients related to government investigations and enforcement actions.

    Michael Waldron, Chief Compliance Officer, Bayview Loan Servicing, LLC

    Michael S. Waldron is the Chief Compliance Officer of Bayview Loan Servicing where he is responsible for the Compliance and Oversight Department’s management, leadership and direction as well as the company’s overall compliance strategy. Prior to joining Bayview, Michael was Practice Leader of Ballard Spahr’s nationally recognized Mortgage Banking Group. With over 20 years servicing the industry in a wide variety of legal and compliance-related functions, Michael is known for his ability to navigate the regulatory landscape and build relationships that add value to those with whom he works.

  • COMPLIANCE IMPERATIVE: Servicing Compliance


    Speaker(s)

    Samuel I. Racoosin, Managing Director and Associate General Counsel, JP Morgan Chase Bank, NA

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Krista Cooley, Partner, Mayer Brown LLP

    Breakout Session

    Read more Read less

    This session take a close look at recent compliance developments of particular importance to servicers, including Successors in Interest and changes to the Periodic Statements in Bankruptcy.

    Speaker(s)

    Samuel I. Racoosin, Managing Director and Associate General Counsel, JP Morgan Chase Bank, NA

    Samuel Racoosin is a Managing Director and Associate General Counsel at JP Morgan Chase Bank, NA. He is the lead attorney for the residential Loan Servicing performing, customer assistance and default legal teams. He is principally responsible for providing legal advice to the residential mortgage loan servicing business.  Before joining JP Morgan Chase, Racoosin was Associate General Counsel at Fannie Mae. In that capacity, he was responsible for providing legal advice to the US Treasury in connection with the Obama Administration’s Making Home Affordable Program. Samuel previously served as Associate General Counsel for Fannie Mae’s single family mortgage business, providing advice on new products, eMortgage initiatives, and loss mitigation.  Prior to joining Fannie Mae, Samuel was Associate General Counsel of North American Mortgage Company, a national mortgage banker.

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing Committee.

    Krista Cooley, Partner, Mayer Brown LLP

    Krista Cooley is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She concentrates her practice on federal regulatory enforcement and compliance issues. She represents companies in the mortgage lending, mortgage servicing, title insurance and real estate industries in connection with administrative and regulatory compliance matters. Krista defends clients subject to government audits, investigations and enforcement proceedings before, among others, HUD, the VA, USDA, DOJ, CFPB and state banking departments in cases involving the False Claims Act, the Program Fraud Civil Remedies Act, Mortgagee Review Board proceedings and RESPA enforcement matters. She advises clients about federal and state consumer credit and protection laws and regulations, including RESPA, FHA, VA, USDA Rural Housing Service (RHS) and Home Equity Conversion Mortgage (HECM) requirements. Krista reviews and analyzes existing and proposed business arrangements for compliance with federal and state law requirements and drafts related agreements and disclosures. She performs regulatory compliance due diligence, with particular emphasis on FHA-insured origination and servicing requirements.

  • REGTECH FINTECH TRACK: Emerging Technologies and Compliance Management


    Speaker(s)

    Ben Wu, Executive Director, LoanScorecard

    Deborah Hoffman, Founder & Chief Executive Officer, Symmetry Blockchain Advisors, Inc.

    Kristen Jolaoso, Senior Manager, Baker Tilly

    Amanda M. Daeges, Vice President and Assistant General Counsel, U.S. Bank

    Scott E. Wortman, Partner, Blank Rome LLP

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Smart companies anticipate how future developments will impact their current operations. Here about the innovations around the corner that will impact the mortgage business and compliance. Experts discuss big data, automated underwriting, blockchain and more.

    Speaker(s)

    Ben Wu, Executive Director, LoanScorecard

    Ben Wu has more than 20 years of mortgage industry experience and serves as Executive Director of LoanScorecard, a leading partner for banks and investors seeking fair lending and loan-loss reserve technology solutions including the only automated underwriting engine for non-agency loans. Wu brought to market the first automated QM assessment tool making LoanScorecard top-of-mind for automated underwriting for portfolio loans. He diligently works alongside clients, addressing concerns and opportunities related to automated underwriting, non-QM, loan pricing, credit risk models, and portfolio management.

    Deborah Hoffman, Founder & Chief Executive Officer, Symmetry Blockchain Advisors, Inc.

    Debbie Hoffman is Founder & CEO of Symmetry Blockchain Advisors working with clients in their endeavors related to education, strategy and development of blockchain solutions. With her experience in financial services, law and technology innovation, Debbie brings a unique perspective to blockchain innovation. Debbie was previously the Chief Legal Officer at Digital Risk and a finance attorney at Thacher Proffitt & Wood in New York. She served as a professor at the Florida A&M University College of Law and the University of Central Florida. In 2018 Debbie was named a NAWRB Roaring Thirty Winner.” In 2017 Debbie was named as a Top General Counsel by First Chair Awards, received an Honorable Mention in MReport’s Women in Housing and was a “Hot 100” in Mortgage Professional America. She was selected as a Woman of Influence by Housingwire Magazine multiple times and has been the receipt of two Stevie® Awards.

    Kristen Jolaoso, Senior Manager, Baker Tilly

    Kristen Jolaoso is a Senior Manager in the Financial Services practice at Baker Tilly Virchow Krause, LLP, a top 15 full-service accounting and advisory firm. She joined Baker Tilly in 2013 with more than twelve years of progressive experience in both public accounting and private industry, managing the execution of financial and compliance-based audits. Over the course of her career in the industry, she has managed quarterly reviews for compliance with consent orders. Experience includes managing the review of a mortgage originator’s current origination and servicing practices for compliance with state law. The compliance review includes data quality review, loan level testing as well as broader policy and procedure review. The origination loan level testing includes the review of several laws, including the Gramm Leach-Bliley Act (GLBA) She also managed consulting engagements with respect to consumer credit compliance with laws and regulations, including those with respect to mortgage servicing such as the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA) and on the implementation of the Consumer Financial Protection Bureau’s (CFPB) servicing standards; managed quarterly reviews of a loan servicer’s implementation of and compliance with the National Mortgage Settlement on behalf of the Office of Mortgage Settlement Oversight and managed external audits on privately held clients in the financial institutions sector.  Kristen recently co-authored a white paper titled “Leveraging big data in the consumer credit industry: Better use of quality data can revitalize exhausted servicers” that discussed ways in which servicers can address common data challenges.  Kristen serves as a member of the Legal Issues Committee and the Regulatory Compliance Subcommittee with the Mortgage Bankers Association

    Amanda M. Daeges, Vice President and Assistant General Counsel, U.S. Bank

    Amanda Daeges is Vice President and Assistant General Counsel for U.S. Bank. In her current role, Amanda supports U.S. Bank’s retail and wholesale mortgage divisions as mortgage origination attorney. She provides legal counsel related to the origination of mortgages through the Bank’s retail, correspondent, and HFA channels by advising on regulatory matters, product development, loan documentation, credit underwriting, and dispute resolution. She also serves as Chair for the U.S. Bank Law Division Diversity and Inclusion Council and is the current Vice Chair of the MBA Legal and Regulatory Compliance Committee.
    Prior to her current position, Amanda served as a consumer regulatory attorney at U.S. Bank and as Associate Counsel at the Minnesota Bankers Association.

    Scott E. Wortman, Partner, Blank Rome LLP

    Scott E. Wortman is a Partner at Blank Rome LLP, with a practice focusing on consumer financial services litigation, including individual and class action defense, regulatory proceedings, and administrative investigations. Additionally, he represents and counsels clients on corporate and regulatory compliance procedures in a wide variety of consumer financial areas. Mr. Wortman is also a strategic advisor to FinTech and other digital business clients on privacy issues, data and cyber security, vendor management, and consumer protection.

  • Roundtable

  • ROUNDTABLE: TRID 2.0 Q&A


    Speaker(s)

    Suzanne Garwood, Executive Director and Assistant General Counsel, JPMorgan Chase

    Richard B. Horn, Member, Garris Horn PLLC

    Roundtable

    Read more Read less

    Speaker(s)

    Suzanne Garwood, Executive Director and Assistant General Counsel, JPMorgan Chase

    Suzanne Garwood is Executive Director and Assistant General Counsel in JPMorgan Chase’s mortgage banking department where she assists with the bank’s compliance related to mortgage production. Prior to joining Chase, Suzanne was outside counsel at two Washington DC-based law firms. While in private practice, Suzanne advised her clients with respect to compliance with consumer protection laws and advocated for her clients before the Consumer Financial Protection Bureau and Congress.

    Richard B. Horn, Member, Garris Horn PLLC

    Richard Horn is a founding member of Garris Horn PLLC, a new virtual financial services law firm. Richard is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations. At the CFPB, Richard led the final TRID rulemaking and the CFPB’s design of the TRID disclosures. As a key architect of TRID, Richard is one of the foremost experts on the rule. Prior to joining the CFPB, Richard was a Senior Attorney at the Federal Deposit Insurance Corporation in the New York Regional Office. At the FDIC, Richard worked on consumer compliance and risk management supervisory matters and enforcement actions in many areas of consumer finance law.  Richard currently advises on all consumer finance regulatory issues, including TRID, RESPA, TILA, FCRA, UDAAP, and state high cost lending and licensing laws. He also advises clients on exam preparation, supervisory matters, investigations, and enforcement actions. Richard’s clients include community, regional, and large depository institutions, non-depository lenders, technology companies, title insurance underwriters and agents, due diligence firms, and investors.   Garris Horn PLLC was founded with a singular aim – completely redesign the financial services law firm to provide the highest levels of personalized service to financial services clients. Our firm started and evolves with technology, seeking to shed the inessentials and inefficiencies of the traditional law firm. We are the next evolution of the financial services law firm. Effective. Efficient. Evolved.

  • Networking Opportunity,

    Reception

Tuesday, September 18, 2018

  • Continental Breakfast

    Location: Independence Foyer,
    Independence Level

    Breakfast

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • FAQs ON COMPLIANCE TECHNOLOGY: HMDA Vendors and Compliance Audit


    Speaker(s)

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

    Leonard Ryan, Founder and President, QuestSoft

    Breakout Session

    Read more Read less

    Attend this session to hear the common questions that arise with vendors covering common compliance issues with HMDA technology and compliance auditing.

    Speaker(s)

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

    Melissa Kozicki is director of compliance with Mortgage Builder® an Altisource Business Unit. She has over 20 years experience in the mortgage banking industry, specializing in compliance and operations. Kozicki is a member of multiple mortgage associations and committees, and her contributions have been recognized as past recipient of the MMBA Distinguished Faculty of the Year award and honored as one of the 2015 Elite Women in Mortgage. Kozicki is the author of numerous publications and training courses, including federal compliance content for NMLS-certified continuing education courses.

    Leonard Ryan, Founder and President, QuestSoft

    Leonard Ryan is Founder and President of Laguna Hills, Calif.-based QuestSoft Corporation, a provider of automated compliance review software for the mortgage industry.  Since the company’s founding in 1995, Ryan continues to oversee strategic planning and day-to-day operations for the company including business and software development, interface partners, sales and pricing. Products he helped create include HMDA RELIEF, CRA RELIEF and Compliance EAGLE.  Under Ryan’s leadership, QuestSoft has received dozens of awards, including Mortgage Technology’s Top 50 Service Provider Award and has been named a Top Workplace by The Orange County Register for the past several years. In 2014, Ryan was also honored by Mortgage Banking as a Mortgage Tech All-Star for his lifelong dedication to innovation, and was recently chosen to be part of Mortgage Professional America’s Hot 100 listing and received HousingWire’s HW Vanguard Award for 2016.

  • Breakout Session

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