2020 Schedule

Note: Schedule subject to change. All sessions are in Eastern Time.

19 results


Tuesday, September 15, 2020

  • Welcome Remarks: State of the Industry


    Speaker(s)

    Susan Stewart, 2020 MBA Chairman-Elect, Chief Executive Officer, SWBC Mortgage

    General Session

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    MBA’s chairman-elect, Susan Stewart, provides an update on the initiatives MBA is taking on behalf of its members in the areas of quality assurance, forbearance and fraud prevention.

    Speaker(s)

    Susan Stewart, 2020 MBA Chairman-Elect, Chief Executive Officer, SWBC Mortgage

    Susan Stewart is the Chairman-Elect of the MBA and Chief Executive Officer of SWBC Mortgage headquartered in San Antonio, TX. Stewart's visionary leadership has been the catalyst behind the company growing from 3 employees serving the Texas market to more than 650 employees in over 70 branch locations. Under her unwavering focus, SWBC Mortgage has grown from a small regional broker to a national industry leader, providing a full-service origination-to-servicing experience for borrowers in 43 states. Stewart leads a team that leverages cutting-edge technology, delivering industry-leading speed and service while providing a personal, experienced touch to the dream of home ownership.

    Stewart currently serves as a member of the MBA's Board of Directors and is past Vice Chair of the MBA's Residential Board of Governors (RESBOG). She and SWBC Mortgage are committed to making the communities they serve brighter, more hope-filled places, and to that end she serves on the board of the MBA Opens Doors Foundation. Both Stewart and SWBC Mortgage have been recognized personally and corporately as Guardian level donors to the Opens Doors Foundation.

  • Opening General Session: Risk Management - Perspectives from the Federal Housing Finance Agency


    Speaker(s)

    Lynn Fisher, Ph.D., Deputy Director, Division of Research & Statistics, Federal Housing Finance Agency

    Anh Doan, Director, Research and Economics, Mortgage Bankers Association

    General Session

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    The Federal Housing Finance Agency plays a vital role in the health of our overall housing finance system, and now they are as busy as ever. Lynn Fisher, Ph.D., Deputy Director of the Division of Research, addresses key housing and mortgage market trends being monitored by FHFA. She provides new research and data from her team and an overview of the new Research and Statistics division.

    Speaker(s)

    Lynn Fisher, Ph.D., Deputy Director, Division of Research & Statistics, Federal Housing Finance Agency

    Lynn Fisher serves as the Senior Advisor for Economics to FHFA Director Mark Calabria. Fisher joined FHFA from the American Enterprise Institute where she was a Resident Scholar and Co-Director of the Housing Center.  Prior to that, she was the Vice President of Research and Economics at the Mortgage Bankers Association and served on the faculty of the University of North Carolina, the Massachusetts Institute of Technology and Washington State University.  Fisher received her Ph.D. in Business Administration from Penn State University, where she concentrated in real estate finance and microeconomics.  Fisher’s work has been published in a variety of academic and industry outlets, and she speaks regularly to academic and industry audiences.

    Anh Doan, Director, Research and Economics, Mortgage Bankers Association

    Anh Doan is a Director of Research and Economics at the Mortgage Bankers Association where she is responsible for the analytics of national single family research surveys, following housing trends on mortgage delinquencies, originations, weekly mortgage applications, mortgage credit availability and other metrics. She also manages the operations of MBA’s Risk Management Committee.   She previously worked at Freddie Mac for 5 years under single family servicing and non-performing loans. There she was responsible for providing support to servicers on fulfilling guideline requirements and managing the default risk within the delinquent and REO loan portfolio.

  • General Session: Fraud Update - 2020 and Beyond


    Speaker(s)

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division’s Money Laundering Intelligence Unit, Federal Bureau of Investigation

    Kip Mendrygal, Partner, Locke Lord LLP

    Katherine Hollister, Vice President, Quality Control - Home Mortgage Originations, Citizens Bank

    General Session

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    The recent and fast switch switch to digital mortgage, remote online notarization and closings have opened the door for new fraud activity. Hear from the FBI and fraud experts regarding the latest schemes they are seeing in the residential mortgage industry, and what we can all do about it.

    Speaker(s)

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division’s Money Laundering Intelligence Unit, Federal Bureau of Investigation

    Christa Lynn Greco is an FBI Intelligence Analyst (IA) with the Criminal Investigative Division’s Money Laundering Intelligence Unit. She participates working groups sponsored by BITS, the Federal Trade Commission, FinCEN, the National Cyber Crime Training Alliance, the Mortgage Banker’s Association Fraud Issues Sub-Committee, CoreLogic’s Mortgage Fraud Consortium, and the International Association of Financial Crimes Investigator’s Task Forces.  IA Greco is a member of the International Association of Law Enforcement Intelligence Analysts and the FBI Intelligence Analyst Association. She has authored numerous intelligence reports and case studies and in addition to mortgage fraud, supported numerous crime programs to include domestic and international terrorism, organized crime and drugs, securities fraud, and healthcare fraud.  IA Greco has been with the FBI for 24 years and focused on strategic mortgage fraud matters for the last 13 years. She has a Baccalaureate of Science in Criminal Justice from Fairmont State University and a Master’s of Science in Criminal Justice from the University of Cincinnati.

    Kip Mendrygal, Partner, Locke Lord LLP

    Kiprian Mendrygal is a partner in the Dallas office of Locke Lord LLP. His practice is focused on white collar investigations and defense.  Kip's practice focuses on representing public companies, private entities, financial institutions, corporate executives, and high-profile individuals in connection with a variety of confidential and highly-sensitive civil, criminal, and regulatory investigations, including those with allegations of counterfeiting, money laundering, bank fraud, securities fraud, antitrust violations, breaches of fiduciary duty, conflicts of interest, insider trading, violations of state and federal Anti-Kickback statutes, off-label marketing of pharmaceuticals and medical devices, violations of the Foreign Corrupt Practices Act, perjury, bribery, misappropriation of public funds, and wire/mail fraud.  In his white collar defense experience, he has worked with most major state and federal law enforcement, investigative, and regulatory agencies, including the Texas Attorney General, the IRS, the FBI, the DEA, the FDA, ICE, the FDIC, FINRA, the Texas Rangers, the U.S. Department of Labor, the U.S. Department of Veterans Affairs, the Texas Department of Health, the Department of Health and Human Services, the United States Secret Service, and the SEC.  Kip has also conducted (and has represented witnesses, subjects, and targets in connection with) internal investigations involving a wide array of allegations involving an element of financial fraud, including tax fraud, bankruptcy fraud, wire/mail fraud, theft of company funds, public corruption, bribery, bank fraud, insider trading, and securities violations. He also has experience handling criminal cases through indictment and trial in state and federal courts.  A significant portion of his practice involves working with financial institutions and bank executives in connection with white collar defense matters, internal investigations, and regulatory inquiries by various bank regulators, including the FDIC.

    Katherine Hollister, Vice President, Quality Control - Home Mortgage Originations, Citizens Bank

    Katherine currently leads the Home Mortgage Quality Assurance & Quality Control teams with Citizens Bank; she worked in a similar capacity for Franklin American Mortgage, which was acquired by Citizens Bank in 2018.  She has over 25 years experience in banking and mortgage and has previously held senior leadership roles in the areas of Underwriting, Quality Control, Fraud, Risk Management, and Mortgage Servicing. 

  • Fraud Prevention: Forbearance and Modifications


    Speaker(s)

    Jennifer Link, Chief Fraud Investigator and Bank Secrecy Act Anti Money Laundering Officer, Caliber Home Loans, Inc.

    Gabe Minton, Chief Information Officer and Executive Vice President, Information Technology, Mortgage Connect LP

    Susan Connally, Vice President, Servicing Oversight, Clayton

    Breakout Session

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    In response to the impact of the COVID-19 pandemic on homeowners, Congress included in the CARES Act the mortgage forbearance and modification program, under which lenders are required to provide needed assistance to homeowners having difficulties making mortgage payments. While this mortgage forbearance and modification program is a life saver for many homeowners, lenders must be vigilant in their administration of the program. Learn how your organization can prevent and detect fraud in mortgage forbearance and loan modifications.

    Speaker(s)

    Jennifer Link, Chief Fraud Investigator and Bank Secrecy Act Anti Money Laundering Officer, Caliber Home Loans, Inc.

    Jennifer Link is the Chief Fraud Investigator and Bank Secrecy Act Anti Money Laundering Officer for Caliber Home Loans headquartered in Coppell Texas. Jennifer is responsible for overseeing the development and implementation of the organizations Anti-fraud program. Jennifer has 33 years of experience in enterprise fraud risk management specializing in mortgage related fraud. Jennifer is the past chair of the MBA’s Fraud sub-committee.  

    Gabe Minton, Chief Information Officer and Executive Vice President, Information Technology, Mortgage Connect LP

    Mr. Minton serves as Mortgage Connect’s Chief Information Officer and is the Executive Vice President of Information Technology. In this role, he provides leadership and vision for the technology and information strategy, including the development of next generation digital platforms to facilitate a seamless experience between the consumer and lender and to maximize operational efficiencies. Mr. Minton has more than 25 years in leadership roles with mortgage and technology companies, with a focus on developing software systems, products and standards. Throughout his career, he has led strategy and execution, communications and vendor relations. Most recently he served as chief information officer at Guild Mortgage, where he led its technology and information strategy, including business systems, architecture, infrastructure and product and services technology. Mr. Minton also served in senior management, strategy and technology positions with PHH Mortgage, BlackKnight/ServiceLink, Motivity Solutions, Accenture Mortgage Cadence and the Mortgage Bankers Association. He was one of the leading architects and founding members of MISMO, the Mortgage Industry Standards Maintenance Organizations (a subsidiary of the MBA). He earned a B.S. with a double-major in computer science and statistics, and minor in mathematics from Radford University in Virginia, and a Master of software engineering degree from the University of Maryland.

    Susan Connally, Vice President, Servicing Oversight, Clayton

    Susan Connally is the Vice President, Servicing Oversight at Clayton.  She has 15 years experience in servicer performance monitoring and review of best practices across the default servicing lifecycle.

  • Risk Management & Analytics: Strategies to Remain Connected when Working Remotely


    Speaker(s)

    Bill Brewster, SVP, Enterprise Testing Group Manager, Enterprise Testing Services – Mortgage Lending, The PNC Financial Services Group

    Sheila Klostermann CMB, CRU, Senior Manager, Quality Assurance Manager, Genworth Mortgage Insurance

    Greg McElroy, Executive Vice President and Head of Correspondent Operations, AmeriHome Mortgage Company

    Breakout Session

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    Through this crisis, organizations have had to quickly move their teams to working remotely.  While many lenders have reported that productivity metrics have been strong, many leaders also have been very focused on keeping their team connected.  Experts provide tangible advice for managing through these challenges.

    Speaker(s)

    Bill Brewster, SVP, Enterprise Testing Group Manager, Enterprise Testing Services – Mortgage Lending, The PNC Financial Services Group

    Bill Brewster is Senior Vice President and Enterprise Testing Group Manager for PNC Bank in Downers Grove, Illinois.  In this role role, Bill leads teams responsible for testing the bank’s mortgage origination and servicing processes and controls to ensure adherence with internal, investor, and regulatory requirements.  Bill has over 30 years of experience in financial services, including senior management positions in quality assurance, compliance, production support, credit policy, underwriting, and fraud investigation.  Before joining PNC in July 2012, he directed mortgage fraud investigations and reporting for Fannie Mae.  Bill is a U.S. Air Force veteran, and a former vice-chairman of the Mortgage Bankers Association of America’s Quality Assurance and Regulatory Compliance Committees.  He holds a BA and MA degrees from the State University of New York at Albany.

    Sheila Klostermann CMB, CRU, Senior Manager, Quality Assurance Manager, Genworth Mortgage Insurance

    Sheila leads the Quality Assurance team at Genworth Mortgage Insurance.  She has over 25 years of experience in mortgage lending in both the mortgage insurance and correspondent lending arenas.  Sheila has held various positions ranging from underwriting and third-party risk management to quality assurance.   She has an MBA from DePaul University and is a Certified Mortgage Banker.

    Greg McElroy, Executive Vice President and Head of Correspondent Operations, AmeriHome Mortgage Company

    Greg McElroy is the Executive Vice President, Head of Correspondent Operations for AmeriHome Mortgage Company. He took on the operations leadership role at AmeriHome in 2014 and has helped the company scale from a start-up to one of the leading correspondent lenders in the nation. Greg is a results-oriented professional experienced at the design, implementation, and monitoring of strategic plans. He is known for applying a strong background in operations and finance towards the evaluation of operating results and the deployment of limited resources; ensuring that organizational growth and profitability objectives are attained. He has a proven track record of continuous process improvement supported by the ability to envision processes end-to-end and identify and monitor key performance metrics. Prior to joining AmeriHome, he was an Executive Vice President in the Bank of America Mortgage Default Servicing Complaint Resolution team where he focused on regulatory and executive level borrower issues related to mortgages in default. Previously, Greg was an EVP in the insurance divisions of Bank of America and Countrywide where he managed the sale and servicing of consumer direct insurance products to the mortgage origination and servicing client base. Prior to his position with Countrywide, Greg was the Controller for Clayton, Williams, & Sherwood - a residential real estate investment and property management company. He earned his MBA degree from the University of Texas at Austin.

  • Underwriting & QA: Quality Control in Times of Crisis


    Speaker(s)

    Debbie Dunn, Chief Operating Officer, SWBC Mortgage

    Helen Law AMP, SVP, Quality Control/Quality Assurance & Investor Delivery, Texas Capital Bank, N.A.

    Gwen Muse-Evans, President & Chief Executive Officer, GME Enterprises

    Elizabeth Green, Chief Data and Product Solutions Officer, LoanLogics

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    With the economic turbulence arising from the COVID-19 response, lenders have had to adapt quickly to changing guidelines from regulators and investors, manage new credit overlays and adjust operationally to fulfill the demands of the market. Learn best practices on maintaining high quality loan production and QC and lessons learned from this challenging year.

    Speaker(s)

    Debbie Dunn, Chief Operating Officer, SWBC Mortgage

    As Chief Operating Officer of SWBC Mortgage Corporation, industry veteran Debbie Dunn uses her credit policy, production support, and risk management experience of over 35 years to lead expert teams in the areas of underwriting, closing, post-closing, training, business systems, quality control, risk management, and regulatory compliance.

    Debbie has mature skills in almost all aspects of the mortgage business.  Before joining SWBC in 2011, Debbie spent more than 20 years with CTX Mortgage Company and Centex Financial Services, holding positions such as EVP of Risk, Regulatory, and Industry Relations and nearly ten years as Chief Lending Officer.  During this time she was a key participant in the evolution of CTX into one of the largest independent mortgage lenders in America. After the Centex/Pulte merger in 2009, Debbie worked at Pulte Mortgage transitioning the business through the end of 2010.

    Well-known within the mortgage industry, and a frequent panelist and presenter at industry events, Debbie represents SWBC at a state and national level with trade groups, investors, regulators, agencies, and law makers.  Debbie is an active member of several national MBA committees and working groups. She serves on the Fannie Mae Risk Advisory Board and the Credit Advisory and Lender Advisory Boards of Freddie Mac as well as the CSBS SRR Industry Advisory Council.  She is a past chair of both the MBA Residential Loan Production Committee and the MBA Risk Management and QC Committee and is a past member of the AARMR Industry Advisory Council.  Debbie is passionate about energizing our industry through diversity and inclusion so that we can better understand and serve the needs of our wonderfully diversified country.

    Helen Law AMP, SVP, Quality Control/Quality Assurance & Investor Delivery, Texas Capital Bank, N.A.

    Helen has been in the mortgage business for over 30 years and at Texas Capital Bank for over 5 years.  She currently manages Quality Control/Quality Assurance and Investor Delivery for their Correspondent Lending Division.  In this role she has been a contributor in the creation of key business objectives and program methodology supporting the business.  Helen was instrumental in the design and build of a technology fulfillment platform specifically tailored for correspondent lending. Prior to joining TCB, she was most recently Vice President of Quality Control/Compliance at a privately-owned retail mortgage lender. After graduating from UC Santa Barbara with a degree in Mathematics/Economics, she began her career at Countrywide Home Loans in Pasadena, California.  During this engagement, she built competencies in many facets of mortgage banking including Correspondent Lending, Secondary Marketing, Servicing Exchange and Product Development.  Helen has worked as a NASDAQ Market Maker for a Broker/Dealer, held senior management positions overseeing Portfolio Retention for a national subprime wholesaler and managed Pre-Purchase Review operations for CitiMortgage’s Correspondent Lending Division. In 1998, after Helen met her husband at Countrywide’s Plano location, she moved to Texas.  Helen has two girls and enjoys playing golf and vacationing during the summer at Gun Lake, Michigan.

    Gwen Muse-Evans, President & Chief Executive Officer, GME Enterprises

    Gwen Muse_Evans, MBA, CERP, PMP is the President and CEO of GME Enterprises, a management consulting firm that specializes in providing risk management, operations management, strategic support and housing finance advisory services to corporate, nonprofit and government clients. Gwen has a 25+ year tenure in the financial services industry during which she worked in executive leadership positions at several Fortune 50 companies. She was most recently the SVP and Chief Risk Officer for the SF business at Fannie Mae where she provided risk management, oversight and monitoring of the $2.8 trillion mortgage portfolio, comprised of 18M loans. Gwen was also responsible for policy development and approval of the Servicing Guide. Gwen, serves on the Board of Managers of LoanCare, a ServiceLink Co.

    Elizabeth Green, Chief Data and Product Solutions Officer, LoanLogics

    Elizabeth Green is Chief Data and Product Solutions Officer at LoanLogics. In this role, she is responsible for the development of the company’s solutions and data strategy.  Elizabeth is a strategist, solutions architect, speaker and valuation advocate. As a recognized mortgage technology veteran in software product leadership for solutions in residential property valuation, loan origination, mortgage servicing and secondary marketing, she has helped to foster a new level of understanding in credit and collateral risk assessment through the application of digital intelligence.  Elizabeth is a 25-year veteran leader in the mortgage software and valuation sectors. She has been a leader in several standards organizations including MISMO and has a deep history of defining and applying data standards in practical use.

  • Fraud Prevention: General Fraud Prevention


    Speaker(s)

    Amy Gromowski, Senior Leader, Science & Analytics Center of Excellence, CoreLogic

    Frank McKenna, Co-Founder and Chief Fraud Strategist, Point Predective

    Steve Safavi, Anti Money Laundering Officer and Vice President, Nationstar Mortgage, Mr. Cooper

    Breakout Session

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    Protecting your organization against wire or inside fraud can be a constant battle. Experts discuss how best to use Artificial Intelligence to automate fraud detection.

    Speaker(s)

    Amy Gromowski, Senior Leader, Science & Analytics Center of Excellence, CoreLogic

    Amy Gromowski is a Senior Leader with CoreLogic’s Science & Analytics Center of Excellence.  She leads a team of data scientists, economists and statisticians responsible for machine learning and AI model development supporting products and markets in the real estate ecosystem including insurance, mortgage underwriting, rental property underwriting, and marketing-based solutions.  With more than 20 years of experience she’s held various roles responsible for model development, product development, and client services for analytic based solutions – all focused on transforming data and analytics into meaningful and actionable results.

    Frank McKenna, Co-Founder and Chief Fraud Strategist, Point Predective

    Frank McKenna is the Chief Fraud Strategist of Ai firm Point Predictive. The company provides machine learning solutions to the mortgage, auto and fintech lending industries.  He is a fraud expert that has worked with over 200 banks, lenders and finance companies worldwide to help them achieve dramatic reductions in fraud while improving profitability.  He provides fraud management thought leadership through his daily blog, FrankonFraud.com which shares information on statistics, best practices and fraud trends.

    Steve Safavi, Anti Money Laundering Officer and Vice President, Nationstar Mortgage, Mr. Cooper

    Steve Safavi is the Anti Money Laundering Officer, Vice President, Nationstar Mortgage dba Mr.Cooper.  Steve has versight of AML program comprised of 3.7 million customers, over $500 Billion portfolioOver 20 years experience mortgage fraudFor both Origination and Servicing.

  • Risk Management & Analytics: Loan Performance and Forbearance - What do we know now?


    Speaker(s)

    Anshul Aggarwal, Chief Risk Officer, LoanCare, A ServiceLink Company

    Meghan Bartholomew, Executive Vice President, Credit and Counterparty Risk Management, Radian Guaranty Inc.

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

    Breakout Session

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    When the CARES act forbearance plan was rolled out in March, providing for up to 12 months of forbearance for borrowers with a hardship related to COVID-19, the industry expected that most homeowners would be able to transition into a payment deferral plan once they got back onto their feet.  By September, we may begin to see how the first set of homeowners leaving forbearance are performing on their loans. We will offer a deep dive into that data.

    Speaker(s)

    Anshul Aggarwal, Chief Risk Officer, LoanCare, A ServiceLink Company

    Anshul Aggarwal is currently Chief Risk Officer at LoanCare. In this role, he spearheads a diverse team of risk professionals within Enterprise Risk Management organization, that is responsible for developing the overall risk governance framework, recommending its risk appetite, monitoring, and reporting on various operational activities to review adherence to various regulatory and investor requirements.  Before joining LoanCare, he served as the Chief Audit Executive and Servicing Risk Officer at Caliber Home Loans where he was responsible for standing internal audit from the ground up, developing robust annual risk assessments, conceptualizing RCSA, and developed key risk metrics that were leveraged to build the enterprise risk framework throughout the organization. Before joining Caliber, Anshul held various leadership roles within audit and risk organizations at Citibank and JP Morgan Chase within their 2nd and 3rd line of defenses.  Anshul credits his early success as an Audit Manager at Ernst & Young LLP in their Financial Services Advisory practice.  Anshul graduated from the University of Oklahoma with an MBA in Finance and is a Certified Public Accountant licensed in the state of Texas.

     

    Meghan Bartholomew, Executive Vice President, Credit and Counterparty Risk Management, Radian Guaranty Inc.

    Meghan C. Bartholomew, EVP Credit and Counterparty Risk Management for Radian Guaranty Inc., is responsible Lender/Servicer Risk Management, Credit Policy, Quality Control and the GSE Relationships. Ms. Bartholomew joined Radian in 2002 as a transaction manager in the Capital Markets department. In this role, she managed the underwriting of bulk mortgage insurance transactions, financial guaranty of asset back securities, and reinsurance of the mortgage insurance portfolio. In 2008, Ms. Bartholomew moved into the Risk Management as a Counterparty Risk Manager, and in 2014, her responsibility expanded to include Credit Risk Management and Quality Control.  Prior to joining Radian, Ms. Bartholomew was a Financial Services consultant for Accenture and worked previously as an analyst for the National Institute of Environmental Health Sciences. Ms. Bartholomew holds a bachelor of science in Chemistry from the University of North Carolina at Chapel Hill.

     

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

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

  • Underwriting & QA: How to Make QC a Profit Center


    Speaker(s)

    Sharon Reichhardt, Executive Vice President, Operations, ACES Risk Management (ARMCO)

    Stephen Spies, CMB, CFE, Principal and Founder, SWS Risk Advisory LLC,

    Jason Emory, Senior Vice President and Director of Quality Control, PrimeLending

    Jackie Clark, VP, Loan Quality, Cardinal Financial Company

    Breakout Session

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    Lenders spend significant revenue and personnel resources on QC between manual underwriting processes, audit requirements, and imposed fees. Hear how others are mitigating the loss by leveraging enhancements in technology, real time data validation and discussing outsourcing strategies to achieve measurable cost reduction.

    Speaker(s)

    Sharon Reichhardt, Executive Vice President, Operations, ACES Risk Management (ARMCO)

    Sharon Reichhardt is the Executive Vice President of Operations at ACES Risk Management and has almost 30 years of mortgage industry experience, most of which were spent in the Quality Control department of EverBank. Her previous experience spans auditing loan servicing, origination compliance, consumer banking and commercial real estate. Prior to joining ARMCO, Ms. Reichhardt was EverBank’s lead administrator and report writer for ACES.  Sharon was the Winner of HousingWire's Insiders Award, HousingWire's Tech Trendsetters Award and is also a frequent guest speaker at industry conferences.

    Stephen Spies, CMB, CFE, Principal and Founder, SWS Risk Advisory LLC,

    Steve Spies is Principal and Founder of SWS Risk Advisory LLC, a risk management consulting firm to the financial services, real estate and mortgage industries. Prior to recently starting his own consulting practice, Steve was Fannie Mae’s top Quality Control Executive. His 200+ person team conducted over 100k due diligence reviews annually while engaging Fannie Mae’s nationwide lender base on how to control and improve loan manufacturing quality. In addition, he was part of Fannie Mae’s leadership team that developed credit policy and risk management guidelines, setting the bar for the $10 trillion mortgage industry. He played a prominent role in guiding the mortgage market out of the real estate crisis by

    Jason Emory, Senior Vice President and Director of Quality Control, PrimeLending

    Jason Emory is the Senior Vice President and of Director of Quality Control. Jason has oversight of all quality control activities from originations through servicing, as well as oversee all loss prevention activities including investigations related to fraud/misrepresentation, Jason has 30 years in the mortgage banking industry performing and managing areas in servicing, post-closing, compliance and quality control.

    Jackie Clark, VP, Loan Quality, Cardinal Financial Company

    With over 18 years in the mortgage industry, Jackie has spent the last 7 years focusing her experience to designing quality control (QC) programs that are data-driven, profit preserving and operation friendly. As a strategic mortgage quality control leader, Jackie is known for her expertise in the use of data analytics to identify fraud trends, underwriting lapses, and risks in origination practices and procedures.

  • Risk Management Roundtable with MBA's Mike Fratantoni and Anh Doan


    Speaker(s)

    Anh Doan, Director, Research and Economics, Mortgage Bankers Association

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

    Networking Opportunities,

    Roundtable

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    MBA’s chief economist, Mike Fratantoni, and director of research and economics, Anh Doan, will moderate this interactive roundtable discussion to help you keep an eye on risk! Topics will include: Credit policy and underwriting issues; Forbearance Appraisals and valuation issues; QA concerns with record volume; Remote work; Onboarding new employees and other topics important to you. 
    Don’t miss your chance to chat with your colleagues after the first RMQA20 virtual day!

    Please note:
    Attendees are welcomed to come on camera and participate in the discussion, or view it outside of the room in via the livestream. Chat rooms are recorded for on-demand viewing. 

    Speaker(s)

    Anh Doan, Director, Research and Economics, Mortgage Bankers Association

    Anh Doan is a Director of Research and Economics at the Mortgage Bankers Association where she is responsible for the analytics of national single family research surveys, following housing trends on mortgage delinquencies, originations, weekly mortgage applications, mortgage credit availability and other metrics. She also manages the operations of MBA’s Risk Management Committee.   She previously worked at Freddie Mac for 5 years under single family servicing and non-performing loans. There she was responsible for providing support to servicers on fulfilling guideline requirements and managing the default risk within the delinquent and REO loan portfolio.

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

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS.

    Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.  He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

Wednesday, September 16, 2020

  • General Session: GSE Update


    Speaker(s)

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

    Ronald Feigles, Vice President, Single-Family Quality Control and Fraud, Freddie Mac

    Candace Kubida, Director, Loan Quality, Fannie Mae

    General Session

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    Join MBA’s chief economist, Michael Fratantoni, as he hosts representatives from Fannie Mae and Freddie Mac for our yearly update on the critical changes taking place that impact underwriting and QC practices.

    Speaker(s)

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

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS.

    Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.  He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

    Ronald Feigles, Vice President, Single-Family Quality Control and Fraud, Freddie Mac

    Ron Feigles is a Vice President in the Single-Family Quality Control and Fraud division. He leads quality control activities between Freddie Mac and its clients to evaluate and improve loan quality and is responsible for the team handling fraud case management and suspicious activity reporting. The quality control and fraud investigation teams are located at Freddie Mac headquarters as well as in several states across the country.  With Freddie Mac since 2006, Mr. Feigles has over 30 years of experience in all aspects of the mortgage business. Prior to his current role, he oversaw the initial approval and ongoing eligibility oversight of Freddie Mac’s bank and non-bank Seller/Servicers. Before his tenure at Freddie Mac, he led multiple teams responsible for the origination, underwriting, servicing and collection of single-family mortgages.  He holds a bachelor’s degree in business administration from Indiana University of Pennsylvania.

    Candace Kubida, Director, Loan Quality, Fannie Mae

    Candace Kubida develops, implements, and monitors loan quality standards. She evaluates the quality of loan deliveries and oversees the effectiveness of lender quality control practices. She works with Fannie Mae lenders focused on loan manufacturing controls, quality control practices, and quality results.

  • General Session: Risk Managers Executive Panel


    Speaker(s)

    Michael Derstine, Senior Vice President & Chief Risk Officer, Genworth Mortgage Insurance

    Clifford Rossi, Professor-of-the-Practice and Executive-in-Residence at the Robert H. Smith School of Business, University of Maryland

    Michael Wood, Credit Risk Executive, Client Underwriting and Data Analytics, Consumer Bank, Bank of America

    Suzanne Shuck, Chief Risk Officer, Freedom Mortgage Corporation

    General Session

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    Leading an organization through this turbulent time presents a host of challenges. Hear from top risk management executives regarding their approaches to maintaining operations, employee morale, productivity, and key controls and risk practices through the COVID-19 episode.

    Speaker(s)

    Michael Derstine, Senior Vice President & Chief Risk Officer, Genworth Mortgage Insurance

    Mike Derstine is Senior Vice President & Chief Risk Officer at Genworth U.S. Mortgage Insurance. He leads teams responsible for risk management activities for the company including enterprise risk management, actuarial and risk analytics, and quality assurance. Prior to joining Genworth in January 2013, Mike held various leadership positions in the mortgage industry in Risk Management, Quality Assurance, and Pricing at RMIC. Mike began his career with TE Connectivity, a Winston-Salem global technology firm, in 1992, where he was a Product Development Design Engineer. He moved into the mortgage industry soon after completing his Master of Business Administration.

    Clifford Rossi, Professor-of-the-Practice and Executive-in-Residence at the Robert H. Smith School of Business, University of Maryland

    Dr. Rossi is Professor-of-the-Practice and Executive-in-Residence at the Robert H. Smith School of Business, University of Maryland. Prior to entering academia, Dr. Rossi had nearly 25 years’ experience in banking and government, having held senior executive roles in risk management at several of the largest financial services companies.  His last industry position was Managing Director and Chief Risk Officer for Citigroup’s Consumer Lending Group where he was responsible for overseeing the risk of a $300+B global portfolio of mortgage, home equity, student loans and auto loans with 700 employees under his direction. While there he was intimately involved in Citi’s TARP and stress test activities. He also served as Chief Credit Officer at Washington Mutual (WaMu) and as Managing Director and Chief Risk Officer at Countrywide Bank.  Previous to these assignments, Dr. Rossi held senior risk management positions at Freddie Mac and Fannie Mae. He started his career during the thrift crisis at the U.S. Treasury’s Office of Domestic Finance and later at the Office of Thrift Supervision working on key policy issues affecting depositories. Dr. Rossi was also an adjunct professor in the Finance Department at the Robert H. Smith School of Business for eight years and has numerous academic and nonacademic articles on banking industry topics. Dr. Rossi is frequently quoted on financial policy issues in major newspapers and has appeared on such programs as Fox News, Canada’s BNN, C-SPAN’s Washington Journal and CNN’s Situation Room. His practitioner-oriented and graduate textbook, A Risk Professional’s Survival Guide: Applied Best Practices in Risk Management for John Wiley & Sons, Inc. was released Fall 2014. He also authored a weekly column, Risk Doctor in the American Banker on risk and regulatory reform issues and CRO Outlook for the Global Association of Risk Professionals. Dr. Rossi serves as an advisor to a number of banks, federal regulatory agencies, private equity investment companies and hedge funds on banking and regulatory topics and founded Chesapeake Risk Advisors, LLC a financial risk management

    Michael Wood, Credit Risk Executive, Client Underwriting and Data Analytics, Consumer Bank, Bank of America

    Michael Wood serves as Credit Risk Executive for Client Underwriting & Data Analytics for the Consumer Bank, in this capacity Wood serves as an Executive responsible for strategic initiatives and transformation across the Consumer Banking product suite.  Wood joined the Bank of America team in 2016. Prior to joining Bank of America in January of 2016, he served as Executive Director Credit Risk Management for Morgan Stanley, with responsibility for credit policy, oversight of lending authority, decision engine management, quality assurance, and governance oversight for Mortgage Retail Lending Credit Risk regulatory requirements. His previous positions have included risk, credit policy and servicing roles with New Century, Washington Mutual, and PMI Mortgage Insurance Co. across his 25-year financial services career.

    Suzanne Shuck, Chief Risk Officer, Freedom Mortgage Corporation

    Ms. Shuck has 30 years in the mortgage banking industry, with expertise in the areas of risk management, quality, corporate operations, and internal audit in both publicly traded and privately owned organizations.  Ms. Shuck has been in charge of the Risk Management Division for Freedom Mortgage Corporation for the last fourteen years, previously working in a similar capacity for Irwin Mortgage, which was acquired by Freedom. Ms. Shuck has dedicated her career to promoting best practices in all aspects of mortgage banking and corporate operations, specializing in regulatory, operational, and credit risk, including quality control and ensuring effective, compliant, and sound control environments. She holds both a B.S. and MBA in Business Administration, majoring Finance. She is a graduate of both MBA’s School of Mortgage Banking and Future Leaders Program, & was nominated as one of Housing Wires’ 2016 Women of Influence.  Ms. Shuck has previously attained professional certifications as Certified Internal Audit (CIA), Certificate Risk Professional (CRP), and Certified Bank Auditor (CBA).

  • Fraud Prevention: Establishing a Risk Culture


    Speaker(s)

    Eric Getty, AML/BSA Office, AVP, Compliance Testing, The Money Source Inc.

    Bruce Phillips, Senior Vice President and Chief Information Security Officer, Williston Financial Group, LLC

    Ike Suri, Chief Executive Officer and Chairman, FundingShield LLC

    Thomas Stanton, Managing Director, KPMG LLP

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    Panelists take a look at best practices for managing and preventing fraud across your portfolio, originating and servicing loans, and how to prevent fraud prior to closing.

    Speaker(s)

    Eric Getty, AML/BSA Office, AVP, Compliance Testing, The Money Source Inc.

    Eric Getty is the AML/BSA Office, AVP of Compliance Testing at The Money Source Inc., a national mortgage servicer on a mission to Grow Happiness in the mortgage servicing space. He is responsible for collaborating with key internal and external stakeholders and subject matter experts to ensure adherence to AML/BSA guidelines while providing comprehensive reporting to the company, across the organization, and to monitoring agencies.   Eric has more than 14 years of experience in the financial services industry with beginning to end point experience in the mortgage space. His key areas of expertise include AML/BSA, data analysis, risk management, quality control and quality assurance. Eric provides vital information to his internal and external partners provided clear optics into past occurrences and clear vision for necessary paths forward.

    Bruce Phillips, Senior Vice President and Chief Information Security Officer, Williston Financial Group, LLC

    Bruce Phillips is senior vice president and Chief Information Security Officer for WEST, a Williston Financial Group company, which creates industry-leading technology to streamline and fully integrate the real estate process. He is responsible for the company’s information security practice, as well as its litigation and forensic support services.  Bruce has more than 30 years of experience in the financial services, insurance, title and escrow, real estate, healthcare, and defense industries. His key areas of expertise include data protection, risk management, cybersecurity, and technology. Bruce provides knowledgeable assistance to lenders, real estate agents, and title and escrow companies recovering from a data breach, and offers guidance on regulatory compliance, strategic planning

    Ike Suri, Chief Executive Officer and Chairman, FundingShield LLC

    Ike Suri is the CEO and Chairman of FundingShield, a market leading Fin-tech company providing innovative solutions to prevent wire-fraud and mitigate settlement & title risk in the real estate finance industry.  FundingShield is a HouwingWire Tech 100 and CFO Outlook Top 10 technology winner for 2019 and is the only MISMO Certified wire fraud and risk management technology in the market.  Ike has served as a CEO, Chairman, board member, investor, hands-on operator and advisor to private and public companies and continues his active involvement in many investments and efforts today.  Ike is a Member of the Forbes Business Council and was named a Housing Wire Tech Trendsetter for 2019.  Ike was also Co-founder Options Group where he served as President, Chairman of the Finance Committee and Co-Chair of the Operations Committee. He is currently the CEO of Pelican Point Investment Group a Merchant Bank and Pelican Point Media a Hollywood film & media production company. Ike is a "serial entrepreneur" and Founding Charter Member of the IndUS Entrepreneurs (TiE -South Coast, CA) a nonprofit organization devoted to mentoring and fostering entrepreneurs in all industries, at all stages from incubation throughout the entrepreneurial lifecycle. He has served as a board member of Trilennia Group, a mid-market merchant banking firm and currently is a member of the Turnaround Management Association (TMA).

    Thomas Stanton, Managing Director, KPMG LLP

    Thomas is a Managing Director in KPMG’s Forensic practice with more than 20 years of experience providing his clients with a wide range of forensic services by assisting with the prevention, detection and response to fraud and misconduct. He has directed and conducted fraud and compliance risk assessments for clients in such industries as financial services, consumer products, and construction. In addition, he has directed and conducted investigations into financial statement matters, mortgage fraud and performed due diligence assignments, internal control reviews and other projects requiring financial and forensic skills.

  • Risk Management & Analytics: Garbage in, Garbage out: Why Improving the Quality of your Data is Key


    Speaker(s)

    Joseph (Joe) Dombrowski, Director of Product Management, Sagent Lending Technologies

    Rick Hill, Vice President, Industry Technology, Mortgage Bankers Association

    Joshua (Josh) Weinberg, Executive Vice President, Compliance, Guaranteed Rate, Inc.

    Allan Voltz, Senior Vice President, Pricing and Analytics, Arch Mortgage Insurance Company

    Breakout Session

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    Lenders understand the need to improve their analytics in order to quantify and control risk.  However, analytics are only as good as the underlying data.  How do you ensure that your data are providing an accurate depiction of your business and your risk exposures?  What are the steps to improving the quality of your data?  Hear from this panel of practitioners who will provide you concrete recommendations for improving your data quality.

    Speaker(s)

    Joseph (Joe) Dombrowski, Director of Product Management, Sagent Lending Technologies

    Joe is responsible for the strategic direction of enterprise software products from Sagent Lending Technologies which includes LoanServ.  Before this role, he assisted Fiserv 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 MISMO groups, and has written and spoken extensively on servicing topics.  Joe has worked at Mellon Mortgage, Fiserv, and is now with Sagent.  He graduated St. Joseph Seminary College, Los Altos CA, with a degree in Philosophy and is also a Certified Product Manager.

    Rick Hill, Vice President, Industry Technology, Mortgage Bankers Association

    Rick Hill serves as Vice President of Industry Technology at the Mortgage Bankers Association (MBA). In this role, he is responsible for providing leadership to MBA and its membership relating to operational and technology topics faced by the industry, including through the Mortgage Industry Standards Maintenance Organization (MISMO), which he oversees. He is also responsible for developing the content for MBA's Technology Conference and leading all of MBA's technology forums and working groups - both residential and commercial/multifamily - as well as managing technology related content for MBA Education.

    Joshua (Josh) Weinberg, Executive Vice President, Compliance, Guaranteed Rate, Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in the mortgage industry. He is the President of Firstline Compliance, a consulting company specializing in mortgage compliance and technology; and also, the Executive Vice President of Compliance for Guaranteed Rate, Inc.  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 immediate past Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, 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.  Previously he’s worked for both depository institutions as well as independent mortgage banks, a major LOS vendor, and also worked independently as the owner of a mortgage broker and real estate company.

    Allan Voltz, Senior Vice President, Pricing and Analytics, Arch Mortgage Insurance Company

    Allan Voltz is the Senior Vice President of Pricing and Analytics at Arch MI, a leading provider of Mortgage Insurance in the United States.  In this role, Allan leads the company’s pricing function, a centralized analytics team, and the team that executes business rules.  The centralized analytics team is a data-centric function that supports all areas of the company – including sales, operations, risk management, finance, and actuarial – through promulgating reports, mining and analyzing raw data, maintaining databases, and overseeing the governance of data.  Allan came to Arch MI through Arch Capital Group’s acquisition of United Guaranty in 2017.  Prior to his current role, upon joining Arch/United Guaranty in 2014, Allan held leadership positions in pricing and product development.  His background in product development/management, pricing, strategy, and analytics is extensive and spans multiple industries and companies.  Before his work at Arch/United Guaranty, he was responsible for those disciplines at American Home Shield and within Bank of America’s Insurance Services Group.  He also worked as a consultant at a predecessor of Oliver Wyman and worked in the actuarial department at a predecessor of Chubb Insurance.  A graduate of Elizabethtown College, Allan holds a Bachelor of Science in Mathematics.  He is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

  • Underwriting & QA: Due Diligence on Appraisal Flexibilities


    Speaker(s)

    Scott Reuter, Chief Appraiser and Single Family Director of Valuation, Freddie Mac

    Adam Johnston, Director, Operations and Chief Appraiser, Genworth Mortgage Insurance

    Lyle Radke, Collateral Underwriter Team Manager, Fannie Mae

    Katherine Owen, Senior Vice President and Chief Appraiser, Bank of America

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    Knowing how to evaluate exterior-only inspection and desktop appraisal alternatives from a quality assurance standpoint will be key to appraisal success. Experts will dissect how to do this, and provide real life examples of how the GSEs conducts valuation quality assurance and how QA fits into to the overall risk management framework.

    Speaker(s)

    Scott Reuter, Chief Appraiser and Single Family Director of Valuation, Freddie Mac

    Scott is the Chief Appraiser and Single Family Director of Valuation for Freddie Mac. He is a Certified-General Appraiser with 30+ years of experience in valuation, appraisal and collateral risk management concerns. He holds a B.A. from The Ohio State University, and has completed the Executive Leadership program at Cornell University. His management experience includes positions with Bank of America, GE and Goldman Sachs. Scott is a second generation appraiser and began his career as a fee appraiser. The valuation team at Freddie Mac is responsible for review and oversight of valuation consistency and quality, ongoing development and refinement of property valuation risk management strategies and establishing and maintaining a credible quality assurance process across multiple lines of support.

    Adam Johnston, Director, Operations and Chief Appraiser, Genworth Mortgage Insurance

    Adam Johnston, SRA, AI-RRS, Director, Operations and Chief Appraiser, Genworth Mortgage Insurance (on behalf of the Appraisal Institute).

    Mr. Johnston is Director of Operations & Chief Appraiser for Genworth Financial’s U.S. mortgage insurance business. In this role, he leads a team of licensed appraisers who provide subject matter expertise to the enterprise. As Director of Operations, Mr. Johnston has also led fraud investigation teams, process improvement, and business project management. In addition to his 25 years of appraisal experience, Mr. Johnston is a former police officer and served in the United States Marine Corps. He is a Certified Residential Appraiser and designated member of the Appraisal Institute, with the SRA and AI-RRS designations. He holds the PMP designation from the Project Management Institute and is a Lean Six Sigma Black Belt. He served as the 2018 Chair of The Appraisal Foundation.

    Lyle Radke, Collateral Underwriter Team Manager, Fannie Mae

    Lyle Radke is Director of Fannie Mae’s Collateral Policy team, which establishes and maintains policy standards for appraisals and property eligibility. After obtaining a master’s degree in Geology from Brigham Young University, Lyle began his career in real estate valuation in New Mexico as a fee appraiser. In 2003, he began working for a large mortgage lender where he led their servicing valuation review team and supervised creation of one of the first XML appraisal delivery platforms. Looking for a new challenge in 2013, he joined Fannie Mae to work on Collateral Underwriter and other collateral policy initiatives.

    Katherine Owen, Senior Vice President and Chief Appraiser, Bank of America

    Katherine Owen serves as the Chief Appraiser for Bank of America. Joining Bank of America in 2010, Katherine brings thirty years of experience in all aspects of real estate appraisal. Her extensive expertise in the valuation industry provides clarity and insight to the current valuation process while continuing to strengthen collateral risk mitigation and drive positive change to Bank of America’s current and future lending vision.

  • Fraud Prevention: Navigating the New Normal


    Speaker(s)

    Bridget Berg, Senior Director, Fraud Solutions Strategy, CoreLogic

    Donald Effertz, Vice President, Fraud Management, DataVerify, Inc.

    Steven Otwell, Director, Payment and Fraud, Kyriba

    Kurt Lofrano, Vice President, Strategic Quality Management (Quality Assurance), Wells Fargo Home Mortgage

    Breakout Session

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    In what has been termed the “new normal,” it is important to know how to manage payment fraud, to think differently about future fraud risks, and to know how to deal with frequent revisions to documentation requirements which carry potential for misrepresentation. Expert panelists address all of this and challenges lenders are currently facing, with special focus on income and employment verification and post funding QC areas.

    Speaker(s)

    Bridget Berg, Senior Director, Fraud Solutions Strategy, CoreLogic

    Bridget Berg is Senior Director, Fraud Solutions Strategy, for CoreLogic, where she leads the delivery of fraud risk management solutions to the mortgage industry. With over 30 years of major financial institution experience, she has focused on all aspects of mortgage fraud, managing investigations, and developing fraud risk programs and analytics.

    Donald Effertz, Vice President, Fraud Management, DataVerify, Inc.

    Don Effertz is Vice President of Fraud Management at DataVerify where he manages a team of seasoned mortgage and fraud professionals who are responsible for assisting with client product understanding, training, customization and product enhancement. This team also advises clients on product integration, workflow analysis and adjustments to their DRIVE platform to maximize ROI. Effertz joined DataVerify in January of 2009 following a 25 year career in mortgage banking with a primary focus on Operational Risk Management, Quality Assurance and Fraud Prevention. He has published several articles in national periodicals concerning mortgage fraud awareness and prevention and has conducted fraud awareness training courses across the country.

    Steven Otwell, Director, Payment and Fraud, Kyriba

    Steven Otwell has been with Kyriba for 5 years and is the acting Director of Payments and Connectivity.  He works with clients and prospects to model enterprise-wide payment solutions incorporating bank connectivity, fraud and payment factories to provide efficiencies, reduce risk and lower cost.  Prior to Kyriba Steven spent 10 years at Bottomline Technologies assisting clients with payment hubs and SWIFT Service Bureau deployments

    Kurt Lofrano, Vice President, Strategic Quality Management (Quality Assurance), Wells Fargo Home Mortgage

    Kurt has over 30 years as a mortgage professional with Wells Fargo, specializing in underwriting and quality assurance.  For the past eighteen years, he has been responsible for the quality assurance team.  Scope of responsibilities includes conventional agency, FHA, VA and any other products sold into the secondary market for all business lines within Wells Fargo Home Mortgage.  Kurt has been an active participant in the MBA’s Quality Assurance Leadership Subcommittee for many years and a prior chairperson.  Prior to his current responsibilities in capital markets, Kurt held positions within Wells Fargo as national retail underwriting manager, director of regulatory compliance at Prudential Home Mortgage and various underwriting management and operations positions within Prudential, Norwest and Wells Fargo.   

  • Risk Management & Analytics: Changes in Risk Management from COVID-19: Will they Persist?


    Speaker(s)

    Kristin Broadley, Vice President, Risk Solutions, Quicken Loans, Inc.

    Joseph Grassi, Chief Risk Officer, Guaranteed Rate, Inc.

    Kevin Stanley, Senior Mortgage Risk Officer, Wintrust Mortgage, a Division of Barrington Bank & Trust Company, N.A.

    Tanya DeLia, Vice President, Collateral Risk, Single-Family Risk Management Division, Freddie Mac

    Breakout Session

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    As necessity is the mother of invention, crises often spur rapid changes in business processes. Lenders who had been toying with moving to a more digital process in 2019, were confronted with the necessity to go digital immediately in 2020 in order to close loans. What happens after this crisis resolves? Hear expert opinions on the future of the digital process, resulting efficiencies, and unexpected challenges in going digital

    Speaker(s)

    Kristin Broadley, Vice President, Risk Solutions, Quicken Loans, Inc.

    Kristin Broadley is the Vice President of Risk Solutions for Quicken Loans. Kristin attended Davenport University. She started her career in the wholesale market originating and processing loans. Kristin came to Quicken Loans in 2002. She initially spent time in various areas of the business from underwriting to closing, and led a variety of groups within origination. In her current role within the Legal team, Kristin leads the Credit Risk, Origination Quality Monitoring, Risk Mitigation and Anti-Money Laundering teams. These teams focus on the application and adherence of investor and insurer guides within origination, with special focus on loan manufacturing quality, loan performance, fraud detection, credit risk and risk mitigation.

    Joseph Grassi, Chief Risk Officer, Guaranteed Rate, Inc.

    Mr. Grassi is the Chief Risk Officer for Guaranteed Rate, one of the largest retail mortgage lenders in the United States. This role leverages Grassi’s proven expertise in legal and compliance risk management, strong relationships in the financial services industry, extensive regulatory experience, and proven ability as a strategic leader. Previously, Grassi served as Principal Deputy General Counsel for the U.S. Department of Housing and Urban Development. He also served as the EVP, General Counsel for Prospect Mortgage and helped lead the company through its acquisition by HomeBridge Financial in February 2017. In this role, Mr. Grassi led the legal, regulatory and compliance functions for the company and provided strategic counsel to the executive management team and the board.

    Kevin Stanley, Senior Mortgage Risk Officer, Wintrust Mortgage, a Division of Barrington Bank & Trust Company, N.A.

    Mr. Stanley is the Senior Mortgage Risk Officer for Wintrust Financial, a mid-sized bank operating in the Chicago metropolitan area, southern Wisconsin and northwest Indiana.  His responsibilities include proper governance and control over mortgage risk in line with Risk Appetite, Policies and within Regulatory Guidance.   In addition, Stanley has developed a comprehensive reporting package to easily identify high risk items across the origination and servicing departments.  Previously, Stanley served as Director of Reporting & Analytics for PHH, overseeing Private Label and Portfolio performance for the company.   He also served as the AVP of Risk and Reporting for Morgan Stanley Private Bank, NA.  In this role, he was responsible for the development for the Allowance for Loan Loss Reserves and Basel II requirements as part of credit risk management.

    Tanya DeLia, Vice President, Collateral Risk, Single-Family Risk Management Division, Freddie Mac

    Tanya DeLia is the vice president of collateral risk in Freddie Mac’s Single-Family Risk Management division. She is responsible for collateral risk activities including research and development of Freddie Mac's collateral policies as well as activities related to appraisal/valuation modernization, trends and monitoring.  Mrs. DeLia has worked in the primary mortgage market for over 20 years. Prior to joining Freddie Mac, she was the managing director of Speedy Title & Appraisal Review Services (STARS), a CoreLogic joint venture appraisal management and mortgage services company.  Prior to STARS, she served in multiple leadership roles across various risk areas at PHH, driving business transformation and quality improvement.  Mrs. DeLia holds a Bachelor of Science in management of computer information systems from Drexel University.

  • Underwriting & QA: Underwriting Efficiently with a Remote Workforce


    Speaker(s)

    Chris Bryant, Vice President and National Underwriting Manager, DHI Mortgage Company

    Rebecca Cantu, Senior Director Mortgage Underwriting, Pentagon Federal Credit Union

    Tom McDonough, AMP, Senior Vice President, National Business Development, TENA Companies, Inc.

    Breakout Session

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    The remote office tests the organizational capacity for communications, information sharing and technological capabilities as lenders try to maintain quality production underwriting production and worker productivity with employees at home. Panelists discuss strategies to facilitate growth and share best practice to succeed in today’s mortgage underwriting ecosystem.

    Speaker(s)

    Chris Bryant, Vice President and National Underwriting Manager, DHI Mortgage Company

    Chris Bryant is Vice President and National Underwriting Manager at DHI Mortgage (DHIM), the mortgage financial services affiliate of D.R. Horton, America’s Builder. Chris currently oversees more than 200 DHIM teammates in the Underwriting and Appraisal departments. The workforce he manages was 80% remote prior to 2020 and has become 100% remote as a result of COVID-19. Prior to accepting the position of National Underwriting Manager in 2009, Chris served in an Operations and Branch Management role with the company, working with mortgage loan originators and loan processors. His passions include leadership development as well as guiding his team to higher levels of personal performance.

    Rebecca Cantu, Senior Director Mortgage Underwriting, Pentagon Federal Credit Union

    Rebecca has more than 16 years of experience in mortgage banking. She began her career in mortgage operations as a loan processor where she quickly developed a passion for underwriting guidelines and risk management. Rebecca has supported all areas across the mortgage life cycle including credit policy, audit, repurchase, underwriting, servicing transfers, product management, QA, QC, investor relationship management and LOS deployment. Rebecca is a strategic leader, driving process improvements with a focus on improving member and employee experience. Most recently, Rebecca joined Pentagon Federal Credit Union to lead underwriting operations. Outside of work Rebecca spends time with her husband and her daughters and stays active in her church and community.

    Tom McDonough, AMP, Senior Vice President, National Business Development, TENA Companies, Inc.

    Tom McDonough is a Senior Vice President in charge of National Business Development for TenA Companies, Inc. In that capacity, he fills a key roll in formulating and refining the mix of products and services TenA provides to its mortgage lender clients. Tom has worked as a Mortgage Quality Control Auditor, a QC Report Editor, a fraud investigator, and has served as manager of TenA’s Fraud Division. Prior to joining TenA, he gained his core experience as a realtor, broker, property manager and mortgage loan originator. Drawing on over two decades of broad based experience in the mortgage lending industry, Tom has written numerous articles for trade publications. He is a nationally known expert in mortgage quality control and a frequent presenter at industry related seminars, colloquiums and conferences.

  • Creating a Clutter-Free Workspace


    Speaker(s)

    Rebecca Vandall, AMP, Director of Conference Programs, Mortgage Bankers Association

    Sally Grayum, Founder, Organize Me Sally

    Networking Opportunities,

    Roundtable

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    With the rise in telework caused by COVID-19, it is more important than ever to have a simplified and peaceful space to live and work in. Organize Me Sally will provide an easy to implement system for decluttering your workspace. She will teach you how to tackle your paper piles for good and maintain your workspace using the 15-minute rule. End your RMQA20 virtual experience with a live chat that will help you clear up your clutter, increase your efficiency and bring you peace of mind.

    Please note:
    Attendees are welcomed to come on camera and participate in the discussion, or view it outside of the room in via the livestream. Chat rooms are recorded for on-demand viewing. 

    Speaker(s)

    Rebecca Vandall, AMP, Director of Conference Programs, Mortgage Bankers Association

    Rebecca Vandall has worked in conference program development for the past 25 years, working to organize conference sessions, manage speakers, and market events.  She has worked for PennWell Publishing, the U.S Telecom Association, the Society of Research Administrators International and is currently a Director of Conference Program Development for the Mortgage Bankers Association in Washington, D.C.. She has a passion for helping professionals perfect their industry knowledge through speaking. In her free time, she serves on the Board of Directors for the Arlington Babe RuthCal Ripkin Baseball League in Arlington, VA, serving as the sponsorship chair.  Rebecca graduated from Texas A&M with a B.S. in Geography and holds an Accredited Mortgage Professional designation.

    Sally Grayum, Founder, Organize Me Sally

    As a professional organizer, Sally Grayum has a mind for organization and a passion for helping people to gain peace-of- mind, efficiency and thus, more time for the things they love to do. She has spent the last eight years training individuals to clear out clutter and maintain an organized space through an easy 5-step process. Sally began her career over twenty years ago working for real estate, engineering, environmental firms, and advertising agencies. She thrived on organizing offices from the ground up and implementing systems to streamline workflow. Becoming a professional organizer was a natural and seamless transition for her. Prior experience propelled her into the role of a professional organizer, allowing her to use her innate organizing skills to help others. Sally lives in Austin with her husband, daughter, a rescue tabby, Cali, and a rescue yellow lab, Kayla.

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