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

  • CMCP TRACK: Working the Help Desk for Compliance Professionals

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Peter Microulis, Vice President, Embrace Home Loans

    Breakout Session,

    CMCP Track

    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.

    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

    Troy is a business owner’s lawyer, priding himself on a results-oriented, pragmatic approach to addressing legal issues in the financial services world. In his words, “I find out what the business wants, what it needs. If I start there, I can often find a way to get them to the result wanted, or very close to it, in a legal and compliant way.”   Troy deals with federal and state compliance, enforcement defense, company formation, and mergers and acquisitions (M&A). In these areas, Troy represents independent mortgage bankers (IMBs), community banks and other depositories, homebuilders, and related entities (e.g., lenders, servicers, title companies, secondary market investors, and equity funds).  Troy is active in the industry, including being significantly involved with industry associations and currently is a board member, and Chair of the Regulatory Compliance Committee of the Texas Mortgage Bankers Association. In 2007, the Mortgage Bankers Association named him to the Future Leader’s program.  Troy is a frequent speaker on a wide range of mortgage banking related issues, and in recent years has spent much of his time focused on the CFPB.

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Michelle Canter offers clients operational counsel in loan originations and servicing combined with more than 20 years of experience in compliance, regulatory enforcement, and litigation. Her particular experience in the default-servicing arena includes defending servicers during exams and enforcement actions by the CFPB, prudential regulators, and state regulators, as well as audits by HUD, Fannie Mae, Freddie Mac, and other investors. While defending clients in financial services litigation, Michelle provides in-depth, industry specific knowledge.  Michelle is particularly adept at quickly identifying and assessing gaps in compliance management programs, uncovering the root cause and developing targeted action plans designed to ensure compliance with federal law, state law, and investor guidelines. She is recognized for her rare ability to translate complex, nuanced issues while simultaneously mitigating litigation and regulatory risk. Michelle works with Master Servicers and Subservicers to understand the business-compliance balance necessary for their service provider oversight programs. She regularly defends clients in litigation involving fair housing and fair servicing claims, including complaints made to HUD, as well as employee actions alleging FLSA violations or employment discrimination claims made to the EEOC. Michelle assists clients with SAFE Act licensing and agency approvals. She is a seasoned veteran in the areas of mortgage fraud investigation and repurchase demand strategies. Solely for her financial services clients, she offers employment law advice to maintain compliance with the FLSA, MLO compensation, net branching restrictions, and the like.  Michelle serves as President for the Georgia Real Estate Fraud Prevention and Awareness Coalition (GREFPAC), steering committee member for MBA’s Litigation Subcommittee, and Vice-Chair of the Mortgage Action Alliance of the Mortgage Bankers Association.

    Peter Microulis, Vice President, Embrace Home Loans

    Peter serves as the Chief Compliance Officer at Embrace Home Loans, Inc., in Middletown, Rhode Island, where he has managed the company’s Regulatory Compliance and Quality Control efforts for more years than he is willing to admit, and where he formalized the existence of a Compliance Help Desk to address the concerns of its production staff and others in the interpretation of regulatory implementation, and the general concept of Policies and Procedures.  Peter has served as Embrace’s representative with the Rhode Island and Massachusetts chapters of the Mortgage Bankers Association, as well as a member of the MBA’s Regulatory Compliance Committee. He regularly contributed to the MBA’s Newcomer Workshops, which he helped to establish in the previous decade, has recently been a contributor to the MBA’s establishment of content for its Certified Mortgage Compliance Professional designation. He has, as well, been a long time member of, and contributor to the REG LIST, where he is valued for is extensive collection of absolutely useless information.