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.

PDF Agenda Editable Agenda

Sunday, September 16, 2018

  • EMERGING COMPLIANCE RISK TRACK: Lending to Borrowers Employed by the Legal Marijuana Business

    Location: Independence Ballroom A


    Speaker(s)

    Tobias Moon, Partner, Husch Blackwell

    Laura R. Jacobsen, Attorney, McDonald Carano

    Michelle R. Rodriguez, General Counsel and Chief Compliance Officer, Woodland Hills Mortgage Corporation

    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

    Tobias Moon is a partner in Husch Blackwell's Financial Services & Capital Markets Strategic Business Unit. His national regulatory practice focuses on compliance with federal and state requirements related to originating and servicing loans secured by residential real property. He regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP. Tobias also advises consumer financial services companies on complying with CFPB rules and exam readiness.

    Laura R. Jacobsen, Attorney, McDonald Carano

    Laura Jacobsen handles litigation, employment, and regulatory compliance matters for clients in a diverse range of industries, including construction, gaming, manufacturing, outsourcing, municipalities, and marijuana/cannabis. Clients contact her with day-to-day employment and compliance questions, as well as to handle their complex legal matters. Whether she is defending an employer before the Nevada Labor Commissioner’s office, guiding employers through sensitive internal matters, or litigating a class action, Laura makes client communication a priority. Her primary goal is to resolve these matters in a fast and efficient way so that her clients can return their focus to their businesses. Laura was named one of the 2018’s “Best Up & Coming Attorneys” and “Legal Elite” by Nevada Business Magazine. Prior to joining McDonald Carano, Laura was an attorney at Severson & Werson, focusing on litigation and compliance matters in the residential mortgage lending industry.

    Michelle R. Rodriguez, General Counsel and Chief Compliance Officer, Woodland Hills Mortgage Corporation

    Michelle R. Rodriguez is general counsel and chief compliance officer of Woodland Hills Mortgage Corporation, a mortgage lender, and R.C. Temme Corporation, a mortgage servicer, in Woodland Hills, California. Ms. Rodriguez is licensed as an attorney in California, Wisconsin and Minnesota. Ms. Rodriguez earned a Juris Doctor degree from Hamline University School of Law in Saint Paul, Minnesota, and an M.B.A. from the University of Saint Thomas in Saint Paul, Minnesota. Ms. Rodriguez is a licensed real estate broker with an NMLS MLO endorsement. Ms. Rodriguez is a member of the board of directors of the California Mortgage Association (CMA), and is chairperson of CMA’s Dodd-Frank committee. She has presented many courses on Federal and State lending regulations, at CMA, the California Mortgage Banker’s association, the California Association of Mortgage Professionals, and the United Trustee’s Association.

  • EMERGING COMPLIANCE RISK TRACK: Navigating State UDAP Laws

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

    Jonathan Kolodziej, Associate, Bradley Arant Boult Cummings, LLP

    Michelle L. Rogers, Partner, Buckley Sandler LLP

    Breakout Session,

    Emerging Compliance Risk Track

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    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.

    Jonathan Kolodziej, Associate, Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej is an associate in Bradley’s Birmingham, AL office. He represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations. Over the past five years, a vast majority of Jonathan’s regulatory compliance practice has focused on the CFPB’s mortgage servicing rules in Regulations X and Z. Since the rules were first promulgated, he has helped servicers of all sizes ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. He has also helped many of the nation’s largest servicers navigate CFPB and state examinations.

    Michelle L. Rogers, Partner, Buckley Sandler LLP

    A Partner in the Washington, DC office of Buckley Sandler LLP, Michelle L. Rogers represents institutions in a wide range of litigation matters, including government enforcement actions, class action litigation, regulatory examinations, and internal investigations. An acknowledged authority in her field, Ms. Rogers has been recognized by Legal 500 for Financial Services: Litigation, Super Lawyers for Banking, and Best Lawyers for Litigation - Banking and Finance (2018). She received a J.D. from The American University and her B.A. from Franklin and Marshall College.

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

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

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

    Michael (Mike) Forester, Managing Director, 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.

    Michael (Mike) Forester, Managing Director, CrossCheck Compliance LLC

    Mike Forester is managing director of CrossCheck Compliance, a firm that provides regulatory compliance, internal audit, and loan review services to financial institutions. He has spent over 30 years in the mortgage and financial services industries. Prior to co-founding CrossCheck, he was associated with The Prieston Group, a firm that provides fraud prevention and indemnification services to the mortgage industry. Prior to joining The Prieston Group, Mike spent 16 years with Household International (now HSBC). During his career with Household, he served in a variety of positions, including national sales director of Household's correspondent mortgage business and chief financial officer of Household's consumer finance business, Household Finance. Mike began his professional career with the accounting firm of Ernst & Young. He is a certified mortgage banker, certified public accountant, and a certified fraud examiner. He is a graduate of the University of Notre Dame and has an MBA degree from the University of Chicago. Mike currently serves on the Legal, Quality, and Compliance Committee of the Mortgage Bankers Association, Advisory Board of the Anti-Money Laundering Association, Risk Committee of the Illinois Mortgage Bankers Association, and Production Committee of the Wisconsin Mortgage Bankers Association.