Schedule

Schedule subject to change.

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Tuesday, September 18, 2018

  • Ethics

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Prescott L. Prince, Assistant Bar Counsel, Virginia State Bar

    Breakout Session

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    Speaker(s)

    Prescott L. Prince, Assistant Bar Counsel, Virginia State Bar

    Prescott L. Prince currently serves as an Assistant Bar Counsel with the Virginia State Bar. In that capacity, which he has held since May of 2012, he prosecutes attorney ethical misconduct.  Prior to his current position, CAPT Prince served on active duty with the United States Navy JAG Corps, having been recalled from reserve status in June of 2007. While on active duty, he served as Deputy Chief Defense Counsel for the Office of Military Commissions, where he was engaged in the representation of individuals alleged to have committed war crimes against the United States of America and who were detained at Guantanamo Bay, Cuba. His responsibilities also included supervising all naval personnel assigned to the Office of the Chief Defense Counsel. Prior to that assignment, CAPT Prince served as a Rule of Law Officer attached to Task Force 134 (Detainee Operations) in Iraq.  Prior to his recall to active naval service, Mr. Prince was the managing partner of the Associated Law Firm of Clarke and Prince, maintaining a general law practice with emphasis in the areas of criminal law and family law. As a criminal defense attorney, he frequently represented individuals charged with the most serious of crimes and was lead counsel in the defense of a number of high profile cases in the Richmond area. His family law practice included representation of clients involved in complex divorce and equitable distribution matters as well as custody and support issues.  Mr. Prince commenced service as an active duty Navy Judge Advocate immediately upon graduation from Washington and Lee Law School and admission to the Virginia State Bar. His assignments during his initial period of active duty included serving as a Military Defense Counsel and as Discipline Officer and Asst. Legal Officer on board USS JOHN F. KENNEDY (CV-67). He continued his service as a Reserve Judge Advocate until his recall. His reserve assignments included serving as Commanding Officer of the reserve unit that provided legal support for the Naval District of Washington and Commanding Officer of the reserve unit that provided legal support to the Commander of the U.S. Navy Atlantic Fleet. CAPT Prince retired from the Naval Reserve in May of 2012  Mr. Prince currently serves as Vice Chair of the Virginia State Bar Military Law Section and is a past Chair of the Virginia State Bar General Practice Section. Mr. Prince frequently presents programs on ethics and trial practice to various professional groups in Virginia.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: Loan Originator Compensation

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Richard J. Andreano, Jr., Partner, Ballard Spahr LLP

    Melissa L. Richards, CMB, Principal, Richards Law Firm

    R. Andrew Arculin, Partner, Venable LLP

    Sheila M. Strong, Senior Vice President, Compliance and General Counsel, AmeriFirst Home Mortgage

    Breakout Session,

    Applied Compliance Track

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    Loan Originator compensation is an increasingly important focus as production shifts to a purchase-oriented market. Walk through hypothetical compensation plans to discuss what is allowed under the rules and what is not.

    Speaker(s)

    Richard J. Andreano, Jr., Partner, Ballard Spahr LLP

    Richard J. Andreano, Jr., is a Practice Leader of the Mortgage Banking Group at Ballard Spahr, and a member of the Consumer Financial Services Group. He has devoted over 30 years of practice to financial services, mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues concerning the Dodd-Frank Act, Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act. He assists clients with government agency examinations and with regulatory issues, including issues under the TRID, HMDA, ability to repay, loan originator compensation, appraisal, escrow and servicing rules. Rich is the author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide™ and co-author of the MBA Compliance Essentials TILA/RESPA Integrated Disclosure (TRID) Resource Guide™.

    Melissa L. Richards, CMB, Principal, Richards Law Firm

    Melissa Richards, CMB is the Principal at Richards Law Firm.  For the last 6 years, Ms. Richards served as the Chief Legal & Risk Officer of CMG Financial, a mid-size independent residential mortgage banker operating nationwide, overseeing all Legal matters as well as the company’s Enterprise Risk Management program. In August 2018, Ms. Richards returned to private practice.  Prior to joining CMG Financial in 2012, Ms. Richards was in private law practice for 22 years, specializing in federal and multistate regulatory compliance and licensing for the financial services industry including all facets of the mortgage banking industry. Ms. Richards also served in leadership for the California Mortgage Bankers Association during that time, both as a Director (1997-2006) and as General Counsel (2002-2008).  Ms. Richards was awarded her Certified Mortgage Banker designation by the Mortgage Bankers Association (MBA) in 2009 and, in 2013, was inducted as a Fellow with the American College of Mortgage Attorneys.

    R. Andrew Arculin, Partner, Venable LLP

    Andy Arculin is a partner in Venable’s Regulatory Group and the firm’s Consumer Finance practice. He has over a decade of experience in consumer financial matters, both in private practice and with the federal government. Mr. Arculin advises a wide range of clients on all aspects of the mortgage business from chartering and licensing, to marketing, to loan origination and servicing, to secondary purchase and diligence. Mr. Arculin’s practice focuses on the “alphabet soup” of consumer credit statutes and regulations, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA) as well as other federal and state statutes and regulations. Mr. Arculin also is a frequent speaker at industry conferences, and a recognized authority in the fields of mortgage banking and consumer financial protection regulation. Prior to joining Venable, Mr. Arculin served as senior counsel at the Consumer Financial Protection Bureau's Office of Regulations where he was responsible for the development and implementation of consumer financial services regulations, including the TILA-RESPA Integrated Disclosures and the Dodd-Frank Act mortgage rules. Mr. Arculin also played a key role at CFPB in educating the public and industry leaders about the Dodd-Frank mortgage rules and the TILA-RESPA Integrated Disclosures.

    Sheila M. Strong, Senior Vice President, Compliance and General Counsel, AmeriFirst Home Mortgage

    Sheila M. Strong is the Senior Vice President of Compliance and General Counsel at AmeriFirst Home Mortgage (“AmeriFirst”) in Kalamazoo, Michigan. As a member of the senior management team, Ms. Strong ensures that compliance is at the forefront of AmeriFirst operations and strategic planning through her Compliance Management System. The Compliance Management System implements, monitors, improves, and revises corporate policies and procedures to serve the mortgage needs of consumers in a manner that is consistent with ethical lending and servicing practices. As a former mortgage loan originator, Ms. Strong brings real-world experiences in implementing compliance management strategies. Accordingly, Ms. Strong works proactively and collaboratively with each AmeriFirst department to ensure effective and comprehensive compliance with federal, state, and local rules and regulations. Ms. Strong also serves as the Chair for the MBA Legal and Regulatory Compliance Committee.

  • FAQs ON COMPLIANCE TECHNOLOGY: Origination and Servicing Systems

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Geoffrey S. Litchney, CCEP, Assistant Regulatory Counsel, Corporate Compliance, Black Knight

    Joseph E. Dombrowski, Director, Product Management and Chief Mortgage Strategist, Fiserv

    John Vong, CMB, CMT, President, ComplianceEase

    Breakout Session

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

    Speaker(s)

    Geoffrey S. Litchney, CCEP, Assistant Regulatory Counsel, Corporate Compliance, Black Knight

    Geoffrey Litchney is an Assistant Regulatory Counsel in Corporate Compliance for Black Knight, Inc. (NYSE: BKI), a leading provider of integrated software, data and analytics solutions that facilitate and automate many of the business processes across the homeownership life cycle. Geoffrey is responsible for advising Black Knight’s business lines on regulatory compliance matters affecting mortgage originations, including the TILA/RESPA Integrated Disclosure rule (TRID), the Home Mortgage Disclosure Act (HMDA), and the Real Estate Settlement Procedures Act (RESPA), among others. Geoffrey also works with Black Knight’s Client Response Management team to respond to clients’ compliance-related third-party risk management questionnaires, as well as participates in onsite audits. These include discussions of compliance topics, such as policy governance, compliance training, records retention, and data privacy. He is a member of the MBA Legal Issues and Regulatory Compliance Committee, and is a Certified Compliance and Ethics Professional (CCEP) as designated by the Society of Corporate Compliance and Ethics.

    Joseph E. Dombrowski, Director, Product Management and Chief Mortgage Strategist, Fiserv

    Joe Dombrowski, Director of Product Manager & Chief Mortgage Strategist, Fiserv Lending Solutions
    Joe is responsible for the strategic direction of the servicing software products from Fiserv Lending Solutions: LoanServ and Loan Servicing Account Connect. Prior to this role, he assisted clients by providing managerial consulting for loan servicing opportunities.  With over 25 years of experience, Joe has a comprehensive background in the industry both in servicing and in technology. He is a member of several national lending advocacy groups, served on the MISMO Residential Governance committee and has written and spoken extensively on applications of technology in servicing.

    John Vong, CMB, CMT, President, ComplianceEase

    John Vong serves as president of ComplianceEase, the nation’s leading provider of risk management solutions to the financial services industry, which he co-founded in 2001. After first entering the mortgage industry by founding a mortgage bank in San Francisco in 1986, he sold the bank to The Money Store and then First Union Bank in 1997 and 1998, respectively. It was then that he developed his passion for compliance risk. He is a frequent speaker in trade events and contributor to various media in the industry; his articles include current issues and technology developments that affect regulatory compliance. Vong received HousingWire’s 2015 Vanguard Award for extraordinary leadership in the housing economy. He was named Tech All-Star by Mortgage Banking Magazine in 2010 for his success and contribution to the mortgage industry. John was awarded the designations of Certified Mortgage Banker (CMB) and Certified Mortgage Technologist (CMT) from the Mortgage Bankers Association.

  • Regulatory Super Session for Compliance Staff

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

    Loretta Salzano, President, Franzen and Salzano, PC

    Sunny S. Huo, Attorney at Law, Severson & Werson

    Stephen A. Fogdall, Partner, Schnader Harrison Segal & Lewis LLP

    Richard B. Horn, Member, Garris Horn PLLC

    Michael Y. Kieval, Partner, Weiner Brodsky Kider PC

    Ari Karen, Founder and Chief Executive Officer, Strategic Compliance Partners

    Alfred Pitzner, Chief Compliance, Legal Officer, James B. Nutter & Company

    Breakout Session

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    The conference wraps up with a facilitated super session featuring top legal and compliance experts. Bring your question from the many issues discussed throughout your time with us. Every topics is fair game in this popular session that will address legislation, litigation and regulatory requirements.

    Speaker(s)

    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.

    Loretta Salzano, President, Franzen and Salzano, PC

    Loretta Salzano founded Franzén and Salzano in 1997 after serving as in-house counsel to financial institutions. Loretta is also a founder of ComplyShare, a quality control and compliance company.  Loretta advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while remaining within the confines of the laws of all 50 states and federal law including, but not limited to, TILA, RESPA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including service agreements, compensation agreements, loan purchase and sale agreements and warehouse documents. Loretta also assists clients in responding to regulatory examinations and actions.  Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry and professional associations and frequently speaks on lending and marketing issues.

    Sunny S. Huo, Attorney at Law, Severson & Werson

    Sunny S. Huo is an equity member of Severson & Werson who specializes in residential mortgage lending. He has over 20 years of experience handling complex litigation, class actions, and single party disputes. He also provides guidance and advice on regulatory issues. He co-founded the REGListServ, a mortgage compliance professional network, 20 years ago. He was the Chair of the California MBA’s Residential Legal Services Committee in 2006 and 2007.

    Stephen A. Fogdall, Partner, Schnader Harrison Segal & Lewis LLP

    Stephen A. Fogdall, Partner, Schnader Harrison Segal & Lewis LLP. Mr. Fogdall is the Chair of the Firm's Financial Services Litigation Practice Group. He has wide-ranging experience under TILA, FCRA, RESPA, FDCPA, and other consumer financial laws. He has an extensive commercial litigation practice, focusing on financial services litigation and class action defense. He also chairs the Firm's Pro Bono Committee.

    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.

    Michael Y. Kieval, Partner, Weiner Brodsky Kider PC

    Michael Y. Kieval is a Partner at financial services boutique Weiner Brodsky Kider PC, in Washington, DC, and represents companies in the financial services and mortgage industries nationwide in state and federal litigation and government investigations, including CFPB examinations and enforcement actions. In addition to providing regulatory compliance advice to clients large and small, Michael’s practice includes general business and commercial litigation and defending consumer class actions, suits under state consumer protection statutes, and claims under federal statutes, including the False Claims Act, RESPA, TILA and the TCPA. Michael regularly speaks to industry audiences about mortgage regulations and compliance, cybersecurity, the CFPB, and litigation trends. Michael is also co-author of the book Consumer Protection and Mortgage Regulation under Dodd-Frank, published by West.

    Ari Karen, Founder and Chief Executive Officer, Strategic Compliance Partners

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

    Alfred Pitzner, Chief Compliance, Legal Officer, James B. Nutter & Company

    Al Pitzner is the Chief Compliance/Legal Officer for James B. Nutter & Company. Mr. Pitzner joined JBNC in 1995 and has served in his current role since 2013. As CCO his responsibilities include managing the Company’s litigation portfolio, oversight of the compliance management system including, licensing, vendor management, examinations, and consumer complaints. Prior to taking on the CCO role, Mr. Pitzner had senior roles in the origination and wholesale divisions of the Company.

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