Schedule

Refine By

Session Type

Start Date

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

Flexibility is key! Attend what you want, when you can. Stream it live or catch up on-demand after the conference - MBA LIVE offers all access to accommodate your busy schedule.

*A maximum number of 9 CPE credits are available at this event. CPE credit is only available via the live stream conference. Those seeking credit will be required to answer an attendance verification prompt at various times during the sessions. 

22 results
Download Agenda Editable Agenda

Tuesday, September 28, 2021

  • Opening General Session: Industry Update and Credit Trends


    Speaker(s)

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

    Emre Sahingur, SVP Predictive Analytics, VantageScore Solutions, LLC

    Robert (Bob) Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association

    Read more Read less

    The economy continues to improve in 2021, fueled by record consumer savings and strong gains in employment, which should provide a solid foundation for further recovery. Join our opening general session for a state of the industry update by MBA leadership followed by a panel of experts covering the current market trends and the consequences of those trends on the mortgage industry and your institution.

    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.

    Emre Sahingur, SVP Predictive Analytics, VantageScore Solutions, LLC

    Dr. Sahingur leads VantageScore Solution’s deep bench of seasoned data scientists. The team is most recently responsible for developing VantageScore 4.0, which is the first and only tri-bureau credit scoring model to use trended credit data and to leverage machine learning in the development of model attributes to reliably and accurately score those with limited credit histories. Prior to VantageScore, Dr. Sahingur also served as the Chief Risk Officer for Model Risk Management at Fannie Mae in Washington D.C., where he served in several senior risk and analytics roles since 2010. In this role, Dr. Sahingur led a team of 35 risk management professionals, with full accountability for establishing the risk appetite and framework for assessing, measuring and monitoring model risks, as well as independent review and approval of all models used across the enterprise. Dr. Sahingur also held senior positions at Capital One Financial Services, most recently as senior director for credit risk management. While in that role he managed a spectrum of risk- and fraud-related responsibilities across the firm’s $60 billion credit card and unsecured loan operation. Dr. Sahingur received his PH.D. in finance from the State University of New York - Buffalo and an M.B.A. from the State University of New York – Binghamton. He received a Bachelor of Science degree in industrial engineering from Istanbul Technical University in Turkey. Most recently, Dr. Sahingur completed the Executive Development Program at Harvard Business School.

    Robert (Bob) Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association

    Robert (Bob) Broeksmit is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management.  He has also served as a mortgage underwriting expert testifying on many large, high-profile cases.  Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry.  As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.  Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years.  He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion.  He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store.  Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors.  Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

  • General Session: Fraud Update


    Speaker(s)

    Jennifer Link, Fraud Manager, CMG Financial

    Kip Mendrygal, Partner, Locke Lord LLP

    Jennifer Judge, SVP, Deputy General Counsel, Caliber Home Loans, Inc.

    Read more Read less

    Overall levels of fraud activity are expected to rise in the next 12 months because of rules enacted in response to the pandemic, such as digital mortgage, remote online notarization and closings. How prepared are you to deal with this post pandemic fraud landscape? Hear from fraud experts regarding the latest schemes they are seeing in the residential mortgage industry, and how they are being addressed. Panelists to address: Challenges facing anti-fraud programs; Adjustments to avoid post-pandemic risks; Communication on all levels to combat fraud; Lessons learned to move anti-fraud programs forward

    Speaker(s)

    Jennifer Link, Fraud Manager, CMG Financial

    Kip Mendrygal, Partner, Locke Lord LLP

    Kip Mendrygal focuses his practice on white collar investigations and defense involving 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.

    Jennifer Judge, SVP, Deputy General Counsel, Caliber Home Loans, Inc.

    Jennifer Judge is a Deputy General Counsel at Caliber Home Loans, a nationwide mortgage originator and servicer. In her role, Jennifer manages all advice and counsel regarding employment issues, law enforcement, cybersecurity, fraud, mergers and acquisitions, and any legal issues arising under the Bank Secrecy Act or Anti-Money Laundering laws. In August 2021, Caliber was acquired by New Residential Investment Corp. Before joining Caliber in 2015, Jennifer was an associate at Littler Mendelson, P.C in Dallas, where her practice focused on single-plaintiff discrimination and the enforcement of restrictive covenants. Jennifer graduated from the University of Texas School of Law in 2008, with astonishingly mediocre grades. She now lives in Southlake with her husband, two elementary-school aged boys, and two poorly trained rescue dogs. In her free time, she’s a decent astrophotographer and drives around Texas looking for dark skies whenever there is a new moon. Jennifer also enjoys learning to cook new things, and has recently and unfortunately mastered the art of making Cuban bread.

     

  • Fraud Prevention Track: General Fraud Prevention: What to Look Out For


    Speaker(s)

    Robert Maddox, CMB, AMP, Partner, Bradley Arant Boult Cummings, LLP

    Steve Safavi, Vice President, AML Officer - Nationstar Mortgage, Mr. Cooper

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

    Read more Read less

    This session will offer strategies for detecting fraud in the loan application and modification processes, as forbearance and foreclosure moratoriums come to an end and lenders start to engage in substantial restructuring activities.

    Attendees will learn how to:
    Detect areas ripe for fraud in the origination process.
    Identify opportunities for fraudulent activities in forbearance and restructuring process.
    Develop strategies for ensuring proper verification of required documents in the application and approval process.

    Speaker(s)

    Robert Maddox, CMB, AMP, Partner, Bradley Arant Boult Cummings, LLP

    Steve Safavi, Vice President, AML Officer - Nationstar Mortgage, Mr. Cooper

    Steve is the Vice President AML Officer, Nationstar Mortgage dba Mr. Cooper.  Over 25 years of mortgage fraud experience in both Origination and Servicing in addition to model governance and appraisal valuation oversight.

    Donald Effertz, Vice President, Fraud Risk 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.

  • Risk Management & Analytics Track: Mitigating Collateral Underwriting Risk in Rapidly Changing Markets


    Speaker(s)

    Darius Bozorgi, President & Chief Executive Officer, Veros Real Estate Solutions

    Shawn Telford, Chief Appraiser, CoreLogic

    John Holbrook, VP - Valuation Strategy, Black Knight

    Carla Nott, Executive Director, Valuations Strategic Delivery, JP Morgan Chase

    Read more Read less

    Booming demand for housing units and shortages in the supply of housing inventory have led to rapid home price appreciation in 2021. Rapid changes in home price appreciation and “appraisal gaps” have made valuations difficult for appraisers and lenders alike. Learn about steps lenders can take to manage their risk exposure in this environment.

    Speaker(s)

    Darius Bozorgi, President & Chief Executive Officer, Veros Real Estate Solutions

    Darius Bozorgi, president and chief executive officer for Veros Real Estate Solutions (Veros), is a national leader in valuation technology, predictive analytics and decision-support technology applications. Under his leadership, Veros has earned recognition as one of the top financial services technology companies and is perennially selected as one of HousingWire’s Top Mortgage Technology Companies. In 2010, Veros was named the recipient of Mortgage Technology Magazine's 2010 Synergy Award for technological innovations in the mortgage industry and the 2014 Transforming Valuations Award for Veros' achievements in property valuations.  Bozorgi has served on the boards of directors for the Real Estate Information Professionals Association and was a founding member and chairman of the Collateral Assessment Technologies Committee. He is an active member of the Mortgage Bankers Association’s Risk Management & Quality Assurance and Mortgage Analytics committees. Mr. Bozorgi has helped transform U.S. Housing Finance through the transmission of standardized loan-level data into the Secondary Mortgage Markets leading Veros to be selected as the official technology provider for Fannie Mae and Freddie Mac’s Uniform Collateral Data Portal® (UCDP®), FHA’s Electronic Appraisal Delivery (EAD) portal, as well as the Appraisal Management System (AMS) for the U.S. Department of Veterans Affairs (VA).

    Shawn Telford, Chief Appraiser, CoreLogic

    Shawn Telford currently serves as the Chief Appraiser for CoreLogic. Telford has been active in the real estate appraisal industry since 1993 and has deep experience in mortgage lending, collateral management and valuation technology. Telford is passionate about driving innovation in the valuation industry. After joining CoreLogic in 2007, Telford successfully led several initiatives to create and implement software as a service and automated risk-based collateral review solutions. Telford is a member of the Appraiser Qualifications Board (AQB) and a past member of the Appraisal Standards Board (ASB). Telford holds a M.B.A., a MS in Computer Information Systems, and a BS in Business Management.

     

    John Holbrook, VP - Valuation Strategy, Black Knight

    John is a 25 year veteran in collateral risk and valuations. Currently he serves as VP of Valuation Strategy for Black Knight. His prior employer, Collateral Analytics, was acquired by Black Knight in March 2020. Prior to Collateral Analytics, John spent several years at Fannie Mae where he served as Director of Collateral Technology and Strategy. At Fannie Mae, John's team was responsible for appraisal innovation and risk analytics. Prior to Fannie Mae, John was VP Valuation Strategy for a division of Lender Processing Services. John is passionate about building innovative valuation tools and improving processes, leaning heavily on his previous real world experience as a certified real estate appraiser and certified USPAP instructor. John is a proud veteran of the US Air Force.

    Carla Nott, Executive Director, Valuations Strategic Delivery, JP Morgan Chase

    In her 20+ years of home lending experience prior to Chase, Carla held various executive positions within the financial industry primarily in home lending including servicing, default, capital markets, credit risk, securitizations, loan document and data management, fraud prevention and valuations.  In 2013 Carla joined what is now called Collateral Valuations Group (CVG).  She has held various roles within CVG but has consistently lead CVG strategy, technology, data and reporting throughout the eight years.

  • Underwriting & QA Track: Risks of Moving from a Refinance to Purchase Market


    Speaker(s)

    Nick Volpe, Executive Vice President, Key Accounts, ACES Quality Management

    Jerra Ryan, CMCP, SVP, Compliance & QC, SWBC Mortgage

    Duane Gilkison, Senior Director, Credit Risk Management, Fannie Mae

    Read more Read less

    Moving to a purchase market from a refinance market increases the complexity of the lending process and thereby increases the chances of errors and defects making their way into the loan manufacturing process. Lenders should attend this session to learn how to maintain loan quality during this transition in the market.

    Speaker(s)

    Nick Volpe, Executive Vice President, Key Accounts, ACES Quality Management

    Jerra Ryan, CMCP, SVP, Compliance & QC, SWBC Mortgage

    Jerra H. Ryan, SVP of Compliance and QC at SWBC Mortgage Corporation, is a mortgage professional with three decades of service in lending. Well-versed in all areas of residential loan production, from origination through processing, underwriting and closing, Jerra set the standard for loan quality excellence and led $250-million in production as a top-ranked originator and producing branch manager before moving her unique fusion of experience into senior leadership as a compliance officer. Jerra advocates for what we can do in mortgage compliance and production. She believes compliance should provide guardrails for business, not road blocks, and brings clarity to complex rules to drive the alignment between sales and regulations.

    Duane Gilkison, Senior Director, Credit Risk Management, Fannie Mae

    Duane Gilkison is a Senior Director of Credit Risk Management in the Loan Quality Center area within the Single-Family Mortgage Business. Gilkison leads several teams within the Loan Quality Center. He leads a portion of the Quality Control Specialist organization who partners with Fannie Mae customers on improving quality control and loan manufacturing processes. In addition, he leads the team responsible for remedying ineligible loans and the team responsible for Loan Quality Connect which is used by both customers and Fannie Mae to facilitate loan file due diligence processes. Prior to his tenure at Fannie Mae, he was a Senior Vice President responsible for Origination Quality Control, Credit Policy, Condo Project Standards and Servicing QC for a top 10 lender in the primary market.

  • Fraud Prevention Track: Fraud Tech


    Speaker(s)

    Michael Bruemmer, Vice President, Global Data Breach & Consumer Protection, Experian Information Solutions, Inc.

    Thomas Clerici, Executive Vice President & Chief Technology Officer/Chief Information Security Officer, Freedom Mortgage Corporation

    John-Thomas Gaietto

    Read more Read less

    The challenges of regulatory compliance during the pandemic required more use of technology than ever before, and therefore, higher opportunities for tech fraud. Attendees will gain insight into how to safeguard their institutions and borrowers from cyber-fraud and crime, while ensuring that their frontline lending professionals are paying special attention to the top regulatory compliance challenges institutions will have to deal with this year and beyond.   Speakers will also discuss various types of investments lenders would need to make in anti-fraud technology programs.

    Speaker(s)

    Michael Bruemmer, Vice President, Global Data Breach & Consumer Protection, Experian Information Solutions, Inc.

    Michael Bruemmer is Vice President of Global Data Breach & Consumer Protection at Experian. The Group is a leader in helping businesses prepare for a data breach and mitigate consumer risk following breach incidents. With more than 25 years in the industry, Michael brings a wealth of knowledge related to data breach preparedness and breach management from discovery to post-incident clean up.  He has handled some of the nation’s largest breaches over his tenure with Experian and more than 25,000 to date. Michael has educated businesses of all sizes and sectors through pre-breach and breach response planning and delivery, including notification processes to affected consumers, call center set up and identity theft protection services.

    Thomas Clerici, Executive Vice President & Chief Technology Officer/Chief Information Security Officer, Freedom Mortgage Corporation

    Tom Clerici currently serves as Executive Vice President and Chief Technology Officer/Chief Information Security Officer at Freedom Mortgage Corporation. In this role, he leads all technology operations, infrastructure, end user computing, telecommunications, governance and cyber security services across Freedom’s enterprise information systems supporting over 15K global users, over $100B in annual origination and 1.5M loans. Prior to his time at Freedom Mortgage, Tom served as the cyber security practice director for Arraya Solutions, where he built the line of business responsible for providing cyber security consulting, solutions and managed services to customers across financial, healthcare, education, manufacturing and other industry verticals.

    John-Thomas Gaietto

  • Risk Management & Analytics Track: Appraisal Bias and Fair Lending


    Speaker(s)

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

    Jillian White, Head of Collateral, Better Mortgage

    Lyle Radke, Director, Collateral Policy Team, Fannie Mae

    Kenon Chen, Executive VP, Corporate Strategy, Clear Capital

    Josh Goldberg, Director, Summit Consulting, LLC

    Read more Read less

    Appraisals are at the center of every real estate loan transaction. As the industry responds to concerns of valuation bias, this panel will discuss gaps in the appraisal process, suggested best practices to mitigate these risks and explore thoughts on how the industry can work together to address this issue.

    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.

    Jillian White, Head of Collateral, Better Mortgage

    Jillian White is an 18-year veteran of the appraisal industry, an SRA designated appraiser, and a former NYS Appraisal Board member. Jillian received her BA in Neuroscience and Behavior from Columbia University.  She began her career in appraising as founder and CEO of White Picket Fence Appraisals—­­­ a residential real estate appraisal company based in New York.  Her accolades include Young Entrepreneur of the Year and title as one of Ten Influential Blacks in Westchester County.  In 2016, Jillian joined Better, a digital mortgage provider, as the Chief Valuation officer and the 37th employee (now 8,000+ people).  In 2018, she was named the Head of Collateral and leads a 700-person department that consists of the appraisal, title, insurance and project certification teams.

    Lyle Radke, Director, Collateral Policy Team, 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.

    Kenon Chen, Executive VP, Corporate Strategy, Clear Capital

    Kenon’s background in technology, music, and consulting makes him a highly-creative and passionate problem solver. He sits at the intersection of Clear Capital’s executive, product, marketing, and sales teams, guiding the company’s growth and strategy. Kenon has developed and launched some of our most forward-looking solutions, including ClearProp™ and ClearCollateral®.

    Josh Goldberg, Director, Summit Consulting, LLC

    Mr. Goldberg leads Summit’s mortgage finance practice, bringing 20 years of industry best practices and thought leadership to his clients and staff. Prior to joining Summit, Mr. Goldberg acquired a breadth of experience in developing, hiring, and training teams focused on underwriting, financial reporting, and risk management. He has advised key stakeholders on model risk management and credit risk appetite frameworks.  With regard to valuation of single-family homes and racial equity, Mr. Goldberg and his team use statistical techniques to identify potential cases of bias and develop techniques to mitigate biases in models subject to fair lending laws.

  • Underwriting & QA Track: Approaches to Ensuring Loan Quality to Minimize Repurchase Risk


    Speaker(s)

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

    Don Smith, Director of Transaction and Commerce Automation Solutions, LoanLogics

    Amanda Zlato, Director, Underwriting and Quality Control, Single Family, Freddie Mac

    Kathy Herig, Chief Credit Officer, Homepoint

    Read more Read less

    Millions of homeowners are reaching the end of forbearance terms and foreclosure moratoria are lifting across the country. As the industry prepares for a return to more normal operations, another concern is the risk of repurchase demands from investors for any loans that go into default. Delivering high quality loans is the best means of preventing buyback demands. Join the panelists as they discuss their experiences and approaches to maintaining loan quality as well as managing the risk of repurchases.

    Speaker(s)

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

    Steve Spies, JD, Certified Mortgage Banker (CMB), Certified Fraud Examiner (CFE).  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

    Don Smith, Director of Transaction and Commerce Automation Solutions, LoanLogics

    Don Smith is currently serving as Director of Transaction and Commerce Automation Solutions for LoanLogics®. In this role he is responsible for driving the implementation of features and improvement of the company’s flagship SaaS based platform for loan quality management, LoanHD®. Don leads a team of five business analysts identifying market problems and designing and documenting the solutions, providing LoanLogics' development team with strategic direction and customer-driven functionality. In addition to its data-driven, digital technology and cloud-based functionality for greater quality control, the LoanHD platform includes compliance modules specific to HMDA and TRID. He learned the mortgage industry from 2003 to 2007, including his work as a mortgage banker at American Home Mortgage and serving as trust relationship manager and wealth management advisor at U.S. Bank prior to joining LoanLogics. Don received his J.D. at the University of South Carolina School of Law, and his previous experience in the law has helped him better understand the regulatory landscape while designing solutions for the mortgage industry.

    Amanda Zlato, Director, Underwriting and Quality Control, Single Family, Freddie Mac

    Amanda Zlato is an underwriting director on the Quality Control (QC) team in Freddie Mac’s Single-Family Risk Management division. She oversees teams that perform QC underwriting reviews and the compliance team responsible for completing anti-predatory lending reviews. She manages the QC client relationship for a national lending segment. Ms. Zlato has 18 years of experience in the mortgage industry and has been with Freddie Mac for 12 years, contributing efforts to quality control underwriting, client management, income and asset innovation, collateral initiatives and impasse resolution. Ms. Zlato holds a B.S. in education from the University of Pittsburgh and an MBA from Saint Francis University.

    Kathy Herig, Chief Credit Officer, Homepoint

    I have been in the mortgage industry for 30 years, during this time I have worked in a variety of capacities including sales, however, my main areas of focus have been operations and credit.  I have worked in start-up organizations as well as large lenders, managing teams in excess of 1000 associates.  In my current role as Chief Credit Officer I am responsible for establishing credit policy for the organization as well as analyzing credit risk across all of our channels and products.   In addition to my credit responsibilities, I also lead teams responsible for quality control,  repurchase, appraisal management, fraud, and counterparty risk. When I am not working, I enjoy spending time with family and friends.  I also enjoy traveling and focusing on how to make the world a better place through volunteering with local charities. I earned a bachelor’s degree from Michigan State University.

  • mPower: Successful Virtual Communication


    Speaker(s)

    Ruth Sherman, Executive Speech Coach and Celebrity Media Trainer

    Marcia M. Davies, mPower Founder and Chief Operating Officer, Mortgage Bankers Association

    Read more Read less

    Markets and companies have confidence in leaders who communicate clearly and exude charisma. The pandemic made virtual communication the default, and has led to new challenges and discomfort for both genders. It’s natural to retreat to old habits that don't serve women leaders well. Women must exhibit powerful presence and command attention whatever the virtual situation – board meetings, presentations, or 1:1 – not only by what they say, but how they look, sound, and move. In this dynamic presentation, CEO & Celebrity communications consultant, speaker, and author Ruth Sherman, teaches us to show up confidently on-camera and become recognized as a force; engage virtual audiences with strategic use of storytelling and other techniques; positively and irrevocably influence stakeholders of all kinds; and manage the exhaustion that accompanies all-day video-conferencing with some simple tweaks. Opening remarks by mPower founder, Marcia Davies.

    Speaker(s)

    Ruth Sherman, Executive Speech Coach and Celebrity Media Trainer

    Ruth Sherman, M.A., works with global CEOs, public figures, and international celebrities looking to have a greater impact in their personal, public communications.  Five of her clients have won Oscars and one the Pulitzer Prize.  A leading authority on political communication,  she is widely quoted in the press including the New York Times, Washington  Post, and TIME, among many others, contending the best communicator and connector wins. Ruth has written two books, the most recent of which is SPEAKRETS®: The 30 Best, Most Effective, Most Overlooked Marketing & Personal Branding  Essentials. A highly sought after speaker, she has been engaged to share her insights by organizations as varied as Google, Microsoft, and NBC/Universal. As the mother of two daughters, her passion is ensuring women ascend to the top ranks of business and take their rightful place in the halls of power.

    Marcia M. Davies, mPower Founder and Chief Operating Officer, Mortgage Bankers Association

    Marcia Davies is Chief Operating Officer for the Mortgage Bankers Association (MBA).  As COO, Marcia is responsible for ensuring cross-organizational alignment and facilitating the implementation of strategic initiatives, as well as maintaining oversight of key organizational priorities. She is also the lead strategist for MBA's external activities, providing leadership, guidance and overall management to the public affairs and marketing divisions. In addition, Marcia provides strategic direction and management of MBA's Conferences, Membership, Education, Information Technology and Office Services divisions. She also provides management oversight to and is a Board member of MBA's Opens Doors Foundation.  Previously, Marcia worked at the U.S. Department of Housing and Urban Development (HUD), as Senior Advisor to the Assistant Secretary for Housing and Federal Housing Commissioner. She directed HUD's industry relations program to strengthen relationships, garner support, streamline communications and resolve policy and regulatory issues. Before joining HUD, Marcia spent 21 years at Freddie Mac, where she held a variety of officer positions in communications, customer outreach, marketing, servicer relations and policy.  Marcia is the founder of mPower - MBA Promoting Opportunities for Women to Extend their Reach - MBA's networking platform for women in the real estate finance industry. Under her leadership, mPower has grown into an engaged community of more than 19,000, providing best-in-class conference and webinar programming, networking events, and online opportunities to stay engaged. Through mPower, more women are positioned to achieve leadership positions and are well represented in all segments of the industry.  Marcia is a member of the NAWRB Diversity and Inclusion Leadership Council (NDILC). She is also a member of Women in Housing Finance and the International Women's Leadership Association. Most recently, Marcia received the silver Stevie Awards for Women in Business 2018 Maverick of the Year. She has also the recipient of Five Star's Laurie A. Maggiano Legacy award, the NAWRB 2018 Industry Revolutionary Award, and the CIFS Diversity & Inclusion 2018 Trailblazer Award. In 2015, Marcia was honored by HousingWire as one of its 2015 Women of Influence.  Marcia is a graduate of the Katharine Gibbs School in Montclair, N.J.

  • Engagement Session: Getting the Most out of Quality Control Sponsored by Indecomm


    Speaker(s)

    Rachael Harris, VP, Product Management, Indecomm Global Services

    Brian Margulies, Director of Operations, Indecomm Global Services

    Debra Day, SVP, Director of Mortgage Compliance & QC, United Community Bank

    Jeff LeZotte, Vice President of Quality Control, Flagstar Bank, FSB

    David Caudill, Quality Control Manager, Hamilton Home Loans

    Judy Blank, Chief Compliance Officer, Apex Home Loans Inc.

    Read more Read less

    Turn on your camera and join peers in Zoom for an interactive session covering making the most of your quality control program. Don't miss your chance to network with peers and earn 1 CPE credit.

    Attendees will learn:

    Putting Things into Place: How to implement operating procedures to manage risk.
    Hidden Costs: The budget impacts of risk management
    Inspecting What You Expect: How to audit your own processes
    Lessons from the Field: Identifying technology resources & other best practices

    Sponsored by Indecomm

    Speaker(s)

    Rachael Harris, VP, Product Management, Indecomm Global Services

    Rachael is Vice President of Product Management for Indecomm Global Services. With over 20 years of experience in the mortgage industry, she has worked extensively within operations including underwriting management. Prior to joining Indecomm, Rachael was the Operations Manager for a privately held mortgage banker. She now funnels her mortgage industry experience into real-world product solutions with Indecomm’s software business, including IncomeGenius® and AuditGenius™. Rachael has an economics degree from the University of Tennessee and resides in Houston.

    Brian Margulies, Director of Operations, Indecomm Global Services

    Brian is Director of Operations for Indecomm Global Services. With over 25 years of experience in the mortgage industry, he has a diverse background ranging from origination and sales, management, compliance, operations, credit risk, client relations, and product development. In his role at Indecomm, Brian manages and oversees all aspects of the Lending Services Group (LSG) Operations, responsible for service delivery, financials, people and process.  Prior to joining Indecomm, Brian led the client relations division at Altisource, served as Vice President of Residential Mortgage Lending for Citizens Bank & Trust, and was President and Founder of First Capital Lending. Brian resides in Charlotte, NC.

    Debra Day, SVP, Director of Mortgage Compliance & QC, United Community Bank

    Jeff LeZotte, Vice President of Quality Control, Flagstar Bank, FSB

    Jeff LeZotte is the Vice President of Quality Control.  Jeff’s oversight includes Pre-Funding and Post Closing quality. Jeff has 24 years in the mortgage banking industry performing and managing areas in operations and credit, post-closing, and quality control. Prior to joining Flagstar Bank, Jeff  held various positions for companies including CitiMortgage, FMF Capital and Countrywide Mortgage.

    David Caudill, Quality Control Manager, Hamilton Home Loans

    Judy Blank, Chief Compliance Officer, Apex Home Loans Inc.

    This September marks Judy Blank’s 31st year in the mortgage industry and her 9th year with Apex. She began her career as a “Quality Control Clerk”, moved on to manage the QC process for a Philadelphia lender, spent 18 years in charge of Product and Program Development for four lenders, and has happily spent the last 9 years at Apex overseeing the compliance functions that allows her to be involved in QC, compliance, and general operational issues.

Wednesday, September 29, 2021

  • General Session: GSE Update


    Speaker(s)

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

    Bill Cleary, Vice President, Single-Family Credit Risk Loan Quality, Fannie Mae

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

    Read more Read less

    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 and 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 a member of the Board of Directors of MISMO and the membership committee of MERS. Prior to joining MBA, Fratantoni worked 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.

    Bill Cleary, Vice President, Single-Family Credit Risk Loan Quality, Fannie Mae

    Bill Cleary is Fannie Mae's Vice President of Single-Family Credit Risk Loan Quality, reporting to the Senior Vice President and Chief Credit Officer for the Single-Family Business.  Cleary is responsible monitoring loan quality standards to ensure compliance with Fannie Mae’s underwriting and origination standards; overseeing the effectiveness of lender quality controls and providing lenders with timely and actionable feedback to drive continuous improvement in loan quality standards. Cleary’s previous responsibilities included modernizing Selling and Servicing Guide content delivery through Ask Poli, oversight for FHFA scorecard deliverables including servicing alignment efforts across the GSEs as directed by FHFA; establishment of Servicing Guide policy and requirements and review of loss mitigation cases submitted directly to Fannie Mae for approval. Additionally, Cleary led Fannie Mae’s Mortgage Help Centers, oversight of servicer customer service training, and expansion of the Servicing Management Default Underwriter™ (SMDU) platform.

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

    Ron Feigles is vice president of Quality Control and Fraud in the Single-Family 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.

  • General Session: Risk Managers Executive Panel


    Speaker(s)

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

    Anshul Aggarwal, Senior Vice President & Chief Risk Officer, LoanCare

    Meghan Bartholomew, EVP - Credit and Counterparty Risk, Radian Guaranty Inc.

    Terri Merlino, Senior Vice President, Single-Family Business, Freddie Mac

    Read more Read less

    Lenders have managed record production volume while adapting with an evolving workforce and shifting economic conditions the past year. Hear from top risk management executives regarding their approaches to maintaining operations, employee morale, productivity, and governing key controls and thorough risk practices during high volume times.

    Speaker(s)

    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.

    Anshul Aggarwal, Senior Vice President & Chief Risk Officer, LoanCare

    Anshul Aggarwal is Senior Vice President and Chief Risk Officer. In this role, Anshul leads enterprise risk management, information risk, third party service providers, and compliance initiatives as well as responsibilities to identify, measure, monitor, and control risk. Anshul has over 20 years of experience in the banking and consumer finance industry. His expertise includes planning and execution within risk and control frameworks, conducting comprehensive risk reviews, business analysis, process improvements, and leading enterprise risk management. Previously, Anshul served as the Chief Audit Executive and Servicing Risk Executive at Caliber Home Loans where he was responsible for spearheading risk management for both Servicing and Originations platforms. The risk model he developed served as a catalyst for their enterprise-wide risk management framework.

    Meghan Bartholomew, EVP - Credit and Counterparty Risk, 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.

     

    Terri Merlino, Senior Vice President, Single-Family Business, Freddie Mac

    Terri Merlino was recently named a senior vice president within Freddie Mac’s Single-Family business. As chief credit officer for the past two years, Ms. Merlino leveraged her broad-based knowledge of mortgage operations, sales, processing, underwriting, quality control and secondary marketing activities to substantially and positively impact Freddie Mac’s mortgage credit risk management efforts, as well as our client experience. In addition to her prior role managing mortgage credit risk and quality control, she will now assume additional risk management responsibilities. With nearly 30 years of mortgage and financial services experience, she brings significant accomplishments in credit and operational risk management to this role. Prior to Freddie Mac, Ms. Merlino held the roles of chief credit officer and chief risk officer at New Penn Financial. Merlino was a member of New Penn Financial’s senior management team. Before New Penn Financial, she spent many years at PHH Mortgage as senior vice president, credit and operational risk, where she was responsible for fostering a risk-aware culture through her leadership of all aspects of credit and operational risk management. She has served on several industry committees, including Fannie Mae’s Risk Management Forum and Freddie Mac’s Credit Advisory Board, and twice been named a HousingWire Women of Influence. Ms. Merlino holds a Bachelor of Business Administration in accounting from the University of Houston.

  • Fraud Prevention Track: Fraud Risk Solutions


    Speaker(s)

    Bridget Berg, Principal, Fraud Solutions Strategy, CoreLogic

    Jennifer Link, Fraud Manager, CMG Financial

    Geoffrey Oliver, CMB, AMP, CPA, Chief Executive Officer, The Hilltop Companies

    James Guenthner, Vice President of Fraud Prevention and Investigations, Guaranteed Rate

    Read more Read less

    This panel will delve into many aspects of managing fraud risk, including investigations and developing fraud risk programs and analytics. Panelists will also discuss the importance of anti-fraud budgets and possible challenges to anti-fraud programs, so you can best protect your organization. 

    Speaker(s)

    Bridget Berg, Principal, Fraud Solutions Strategy, CoreLogic

    Jennifer Link, Fraud Manager, CMG Financial

    Geoffrey Oliver, CMB, AMP, CPA, Chief Executive Officer, The Hilltop Companies

    James Guenthner, Vice President of Fraud Prevention and Investigations, Guaranteed Rate

    James (Jim) Guenthner is Vice President of Fraud Prevention and Investigations at Guaranteed Rate. In his current role, Jim is responsible for monitoring applications submitted through wholesale, retail, and joint venture channels to ensure they are free of misrepresentation. Jim has over 25 years in various aspects of mortgage lending with specific focus on fraud investigation, loss mitigation, governance and claims. Jim’s work experience includes mortgage lenders, servicers, mortgage insurers, and government sponsored entities (GSEs.)

  • Risk Management & Analytics Track: Climate Risk


    Speaker(s)

    Sean Becketti, Vice President, Chief Economist, Freddie Mac

    Howard Botts, Chief Scientist, CoreLogic

    Janet Jozwik, Managing Director, RiskSpan, Inc.

    Edward Seiler, Ph.D., Associate Vice President, Housing Economics Executive Director, Research Institute for Housing America (RIHA); Mortgage Bankers Association

    Read more Read less

    Policymakers, regulators, and market participants are keenly focused on the potential for climate change to cause both physical and transition risks for the real estate finance markets. At its heart, this issue is about risk management in all of its forms. Experts will discuss the repercussions of the changing environment on the mortgage industry.

    Speaker(s)

    Sean Becketti, Vice President, Chief Economist, Freddie Mac

    Howard Botts, Chief Scientist, CoreLogic

    With more than 30 years of experience in geographic information systems, Dr. Howard Botts leads CoreLogic’s
    team of GIS professionals in geospatial database development efforts to generate and maintain natural hazard solutions. The founder of geospatial information provider Proxix Solutions, Botts joined CoreLogic in 2007 when the company acquired Proxix. A professor emeritus of geography at the University of Wisconsin in Whitewater, Botts is a recognized expert in natural hazard risk solutions and regularly speaks on a variety of topics related to the field. His dedication and work help
    to answer some of the insurance industry’s questions about what has happened and what could happen in
    terms of our planet’s natural hazards.

    Janet Jozwik, Managing Director, RiskSpan, Inc.

    Janet is Managing Director at RiskSpan leading mortgage loan data analysis and predictive modeling. Janet has a deep background in mortgage credit modeling, loss forecasting, and data analytics. Prior to RiskSpan, Janet was with Fannie Mae’s credit pricing team where she helped develop the original risk-based pricing LLPA framework. Janet holds an MBA from the University of Chicago Booth School of Business and a BA in Economics from Johns Hopkins University.

    Edward Seiler, Ph.D., Associate Vice President, Housing Economics Executive Director, Research Institute for Housing America (RIHA); Mortgage Bankers Association

    Dr. Edward Seiler is an economist with over 20 years of experience in financial services. He currently serves as Associate Vice President for Housing Economics at the Mortgage Bankers Association. His responsibilities include performing economic and econometric research to support MBA’s forecasts and policy positions, writing research reports, and supporting MBA’s affordable housing initiatives. Dr. Seiler is also the Executive Director of The Research Institute for Housing America, where he is responsible for managing the research agenda, sponsorships, the publication process, the advisory board, and budgets. He previously was head of research for Dworbell’s affordable and senior housing organizations and Chief Housing Economist at Summit, an analytics advisory firm with a focus on housing finance. Prior to joining Summit, Dr. Seiler was Director at Fannie Mae, where he directed the development and implementation of analytical models used to guide credit loss management decisions. He has lectured graduate-level econometrics at Johns Hopkins University and published several peer-reviewed articles.

  • Underwriting & QA Track: Best Practices for QA/QC Reporting


    Speaker(s)

    Jason Emory, SVP, Quality Control, PrimeLending

    Sharon Reichhardt, Executive Vice President, Operations, ACES Quality Management

    Jeni Orabone, Senior Manager, Loan Quality, Fannie Mae

    Read more Read less

    Panelists discuss how to combine QC results with self-reports, Early Payment Default data and investor post purchase reviews, so you can leverage these data over the duration of the QC lifecycle, better forecast potential loss and shore up risk mitigation.

    Speaker(s)

    Jason Emory, SVP, 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.

    Sharon Reichhardt, Executive Vice President, Operations, ACES Quality Management

    is the EVP of Operations at ACES Quality 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 ACES Quality Management, 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.

    Jeni Orabone, Senior Manager, Loan Quality, Fannie Mae

    With nearly 20 years’ experience in quality control, she spent the past 15 years exclusively in the mortgage industry.?Before joining Fannie Mae as a QC Specialist, she was a VP in quality control for a large mortgage lender where she earned her Six Sigma Green Belt certification.

  • Fraud Prevention Track: Wire Fraud in Lending Today


    Speaker(s)

    Jennifer Link, Fraud Manager, CMG Financial

    Regina Lowrie, CMB, President & Chief Executive Officer, DYTRIX, Inc.

    Matt Merlone, CMB, CFE, Vice President Procurement Market Intelligence, DataVerify, Inc.

    Read more Read less

    Wire Fraud activities in the mortgage industry keeps getting more and more innovative, and we need to keep up with it. Join our panel of industry leaders and experts to learn how to detect and prevent wire fraud and ensure loan quality. Topics include: threat vectors, schemes and who the culprits are, with particular focus on verification and validation of third -party participants.

    Speaker(s)

    Jennifer Link, Fraud Manager, CMG Financial

    Regina Lowrie, CMB, President & Chief Executive Officer, DYTRIX, Inc.

    Regina M. Lowrie, CMB, is a recognized national leader and authority in the mortgage banking and lending industries. She has more than 30 years of experience in the financial services industry and has established and managed multiple successful banking/lending organizations. Regina is currently President and CEO of Dytrix Inc., a fin-tech company providing identity authentication, qualification, wire validation services of closing agents, and helping lenders to reduce their cost to originate. Regina i s also President and CEO of RML Advisors, a consultancy company that focuses on helping clients manage enterprise risks. Regina was the first woman Chairman of the national Mortgage Bankers Association in 2006 and continues to remain active as an industry leader. She is a vocal advocate helping the industry’s fight against wire fraud and cybersecurity risks as part of her commitment to protect consumer savings and lender balance sheets. Regina has also testified before Congress on public policy and has served as an expert witness for the financial services industry. Previous to Dytrix and RML Advisors, Ms. Lowrie was Founder/President and CEO of Gateway Funding Diversified Mortgage Services, a regional market leading mortgage banker.

    Matt Merlone, CMB, CFE, Vice President Procurement Market Intelligence, DataVerify, Inc.

    Matthew Merlone is a Certified Mortgage Banker and a Certified Fraud Examiner working in the mortgage industry since 1991.  Merlone has appeared as a speaker / panelist at mortgage industry conferences, developed fraud prevention training and written numerous articles revolving around the threat of fraud and risk in the mortgage lending landscape.  Throughout his time in the industry he has worked for top tier lenders, regional independent mortgage banks and leading data technology vendors.  Today he is employed by DataVerify as Vice President of Market Intelligence working in the areas of fraud and risk mitigation.  Merlone was educated at the University of Missouri in Saint Louis Missouri. 

  • Risk Management & Analytics Track: Forbearance


    Speaker(s)

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

    Susan Allen, Head of Product, Experian Information Solutions, Inc.

    Nolan Turner, CMB, Managing Director, Carrington Mortgage Services, LLC

    Carol Norton, CMB, SVP, Servicing Systems, Investor/Cash, New American Funding

    Read more Read less

    A large wave of forbearance plans under the CARES ACT is set to expire in September and October 2021. Follow the data as we hear about the latest trends in forbearance reporting to gauge the magnitude of impacts of the expiration of the forbearance plans and discuss the transition to workout options for homeowners and potential pending foreclosures on lending volume and servicing portfolios.

    Speaker(s)

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

    Marina Walsh, CMB, is Vice President of Industry analysis in MBA's Research and Economics Department, specializing in industry performance benchmarking for residential lenders and servicers. Currently, she leads the management and direction for the Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program, the Weekly Forbearance and Call Volume Survey and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the National Delinquency Survey. In addition, Walsh conducts specialty workshops and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for 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 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.  In 2020, Walsh received the Certified Mortgage Banker (CMB) designation, awarded to seasoned professionals seeking the ultimate recognition for professionalism and experience in residential mortgage banking. In 2016, she was named to HousingWire's "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.

    Susan Allen, Head of Product, Experian Information Solutions, Inc.

    Named a HousingWire “Woman of Influence”, and on Progress in Lending’s list of the “Most Powerful Women in FinTech”, Susan Allen is a patented inventor who now leads the Experian Mortgage product team. Experian Mortgage creates tailored solutions that reduce friction, better manage risk, enable targeted marketing, and support financial inclusion. As the Consumer’s Bureau, we put empowered consumers at the heart of everything we do.  Prior to joining Experian, Allen was responsible for the mortgage analytics and valuation products at CoreLogic, a leading provider of property data and analytics. Earlier in her career, Allen served as a risk management executive at Chase, GMAC, US Bank, and Comerica Bank where she was responsible for the evaluation, creation and execution of risk management protocols. Her responsibilities spanned mortgage, credit card, and commercial lending. During her tenure, she focused on fraud control, collateral risk management, credit risk management, and securitization. Allen is a geek at heart, earning an MBA in International Economics from Indiana University following her BA in Finance from Michigan State University. Recently she completed an Artificial Intelligence certification from the Massachusetts Institute of Technology and her Data Science Certification at the University of California, Irvine. Allen lives in Huntington Beach, California and enjoys mentoring youth as a Court Appointed Special Advocate and Girls, Inc volunteer.

    Nolan Turner, CMB, Managing Director, Carrington Mortgage Services, LLC

    Nolan leads the firm's strategic initiatives, institutional business outreach, growth and revenue objectives, and industry / government partnerships across Carrington's continuum of companies and 4,000 employees.  Carrington is a vertically integrated asset manager providing a range of investment opportunities and services encompassing all aspects of the single-family residential mortgage and real estate markets. Carrington is a Top 10 GNMA Seller - Servicer and Issuer, servicing close to $80 BN / 600,000 loans and originating almost $1 BN a month across its retail, wholesale, and correspondent channels.  Their default and property management businesses have touched, managed, and dispositioned more than 400,000 assets.  Carrington's Real Estate Businesses - collectively known as (VYLLA - pronounced 'VILLA' - just like the house) -- provide a truly seamless, simple, and progressive approach to the real estate process.  Vylla Home - Carrington's real estate brokerage firm employs 1,000 agents across 35 states and has sold more than $19 BN in single family real estate.  Vylla Title - Carrington's nationwide title company completes more than 12,000 residential and $250 MM in commercial orders each month.  Carrington Capital Management has purchased more than $155 BN in Non-Performing Loans, Mortgage Servicing Rights, Ginnie Mae Early Buy Outs, Private Label Securities, Whole Loans, and other residential credit products. Nolan holds undergraduate and graduate degrees in cognitive psychology from the University of Nevada as well as an MBA in Quantitative Analytics from the University of Chicago Booth School of Business. Prior to joining Carrington in 2010, Nolan held executive leadership roles within the Investment Bank at Wachovia / Wells Fargo, Wholesale Mortgage Operations at World Savings, and Real Estate Development Operations for East-West Partners.

    Carol Norton, CMB, SVP, Servicing Systems, Investor/Cash, New American Funding

    Carol Norton joined New American Funding in 2014.  Ms. Norton is a Senior Vice President and responsible for the Servicing Systems as well as the Servicing Transfer/On-boarding team.  Ms. Norton was a primary driver in the build of the Servicing division and servicing transfer of sub-serviced loans back into NAF in 2014.  She has continued to bring technology and automation to the Servicing team. Ms. Norton has over 30 years of mortgage and financial expertise including mortgage servicing, mortgage technology, reverse mortgage, vendor services and retail banking.  Prior to working at New American Funding, Ms. Norton was with Equator, LLC, Financial Freedom, IndyMac Bank, FiServ as well as several other financial institutions.

  • Underwriting & QA Track: Risk Management at the Closing Table: Integrating with Settlement Service Providers


    Speaker(s)

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

    Charles Cain, Senior Vice President-National Agency, Fidelity National Financial

    Camelia Martin, Head of Industry & Regulatory Affairs, Snapdocs

    Teri Hermann, Chief Risk Officer, Evergreen Home Loans

    Read more Read less

    How can lenders ensure that they can work seamlessly with settlement service providers to offer a good customer experience while managing risks? This panel examines technology integration issues, legal and compliance issues such as cyber security and privacy, implementation strategies and secondary market concerns.

    Speaker(s)

    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 sy

    Charles Cain, Senior Vice President-National Agency, Fidelity National Financial

    Charles C. Cain, SVP National Agency, FNF Family of Companies.  Chuck has been in the Title Insurance industry since 1977.  He is a graduate of The Ohio State University and the Salmon P. Chase College of Law at Northern Kentucky University.  He is admitted to practice in Ohio and Kentucky, several Federal District courts and the U.S. Court of Appeals for the 6th Circuit. He is a past trustee of the Ohio Land Title Association and is a current member of the Government Affairs Committee of ALTA.  He is former chair of the Real Property Section of the Cincinnati Bar Association, a former director of the Cincinnati Mortgage Bankers Association, a member of the Federal Reserve Bank of Cleveland’s Fair Credit Task Force and a recipient of a special citation from the U.S. Department of Housing and Urban Development concerning Fair Housing Best Practices.

     

    A native Cincinnatian, he has been a licensed title insurance agent for over 35 years, was an owner-operator of title agencies for 18 years and corporate officer with LandAmerica for over 10 years.  He was EVP of Agency at WFG National Title for 10 years. He joined FNF as SVP in the Agency Division in August of 2020.  He has spoken before many state land title associations, state and local bar associations, MBA, ABA, ALTA, NAR, RESPRO, the National Settlement Services Summit, The Realty Alliance, Leading Real Estate Companies of the World and numerous other groups and classes on the topics of title insurance and compliance.  His many articles have been published in state land title publications, numerous mortgage and title industry trade journals and in October Research publications.  Having worked in all areas of the title industry and with its customers he brings a great depth of knowledge of all aspects of the real estate industry.

     

     

     

    Camelia Martin, Head of Industry & Regulatory Affairs, Snapdocs

    Camelia Martin has over 16 years of experience in mortgage finance technology. As Head of Industry & Regulatory Affairs at Snapdocs, she collaborates with a broad spectrum of industry participants to advance the adoption of digital mortgage closings.  Martin has focused expertise in the use of eNotes (electronic promissory notes), and throughout the course of her career she has led a number of digital mortgage initiatives which directly supported programs for key stakeholders such as Ginnie Mae, the Federal Home Loan Banks, and the Mortgage Industry Standards & Maintenance Organization (MISMO). Prior to joining Snapdocs, Martin held senior leadership roles at Falcon Capital Advisors and MERSCORP Holdings, now ICE Mortgage Technology. Martin was selected as a 2020 HousingWire Woman of Influence in recognition of her efforts to accelerate the industry’s adoption of digital mortgage closings. She also currently serves as a Senior Advisor to MISMO and as Co-Chair of MISMO’s Remote Online Notarization Standards Committee." 

    Teri Hermann, Chief Risk Officer, Evergreen Home Loans

    Teri Hermann directs all risk management and regulatory compliance for Evergreen Home Loans while also overseeing audit management and quality control.  She has previously help positions in underwriting management. A 26 year veteran of the mortgage industry, Teri held positions in finance and banking prior to her 21-year run at Evergreen, and her wide-ranging expertise extends to many areas of the business.

  • General Session: Best Practices in Hiring, Training and Retaining


    Speaker(s)

    Debbie Dunn, Chief Operating Officer, SWBC Mortgage

    Suzanne Shuck, Chief Risk Officer, Freedom Mortgage Corporation

    Sheila Klostermann, CMB, CRU, Director - Quality Assurance, Enact

    Read more Read less

    Staffing is at the forefront of the success of every organization. Learn best practices for hiring underwriters, risk managers, fraud experts and other back-office staff to ensure your office runs efficiently in these unprecedented times of increased production.

    Speaker(s)

    Debbie Dunn, Chief Operating Officer, SWBC Mortgage

    As Chief Operating Officer for SWBC Mortgage Corporation, Debbie Dunn is responsible for giving direction and oversight to all aspects of mortgage operations fulfillment services, technology, training, regulatory compliance, and risk management. As a mortgage operations, risk, and regulatory compliance expert, she works directly with multiple departmental managers to ensure industry leading processes and technology are in place that are cohesive and responsive to sales teams and consumers while meeting regulatory requirements and providing scalability with company growth.

    Suzanne Shuck, Chief Risk Officer, Freedom Mortgage Corporation

    Ms. Shuck has dedicated most of her career to 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 fifteen years.  Throughout her career, Ms. Shuck has promoted 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 previously attained professional certifications as Certified Internal Audit (CIA), Certificate Risk Professional (CRP), and Certified Bank Auditor (CBA).

    Sheila Klostermann, CMB, CRU, Director - Quality Assurance, Enact

    Sheila leads the Quality Assurance team at Enact Mortgage Insurance (formerly Genworth). 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.

  • Engagement Session: MBA mPact Industry Forum Sponsored by TENA Companies (Closed to Media)


    Speaker(s)

    Jason Emory, SVP, Quality Control, PrimeLending

    Debbie Dunn, Chief Operating Officer, SWBC Mortgage

    Jacky Salazar, Associate Director, Mortgage Bankers Association

    Danielle Dennis, VP of QC, Freedom Mortgage Corporation

    Kelli Burke, Vice President, Commercial Multifamily Finance | Member Engagement, Mortgage Bankers Association

    Kristi Dowdle, Director, Servicing, Lument

    Liliana Barajas, Executive Assistant, Mortgage Bankers Association

    Read more Read less

    Engagement Session: MBA mPact Industry Forum Sponsored by TENA Companies (Closed to Media)

    Speaker(s)

    Jason Emory, SVP, 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.

    Debbie Dunn, Chief Operating Officer, SWBC Mortgage

    As Chief Operating Officer for SWBC Mortgage Corporation, Debbie Dunn is responsible for giving direction and oversight to all aspects of mortgage operations fulfillment services, technology, training, regulatory compliance, and risk management. As a mortgage operations, risk, and regulatory compliance expert, she works directly with multiple departmental managers to ensure industry leading processes and technology are in place that are cohesive and responsive to sales teams and consumers while meeting regulatory requirements and providing scalability with company growth.

    Jacky Salazar, Associate Director, Mortgage Bankers Association

    Danielle Dennis, VP of QC, Freedom Mortgage Corporation

    Danielle Dennis is the VP of Quality Control at Freedom Mortgage. Danielle overseas the Quality Control Department that is responsible for ensuring that all post-closing quality control elements meet policies and procedures that are set forth by the company, agencies and our clients. Danielle has 30 years in the mortgage industry which includes positions in Loan Processing, Underwriting and Quality Control Management.

    Kelli Burke, Vice President, Commercial Multifamily Finance | Member Engagement, Mortgage Bankers Association

    Kristi Dowdle, Director, Servicing, Lument

    Kristi Dowdle is a Director in Servicing at Lument, a subsidiary of ORIX. In her role, she is responsible for identifying and developing, the company’s quality control programs and related metrics to ensure that the company maintains compliance with regulatory and investor guidelines.  She works with all groups in Loan Servicing & Asset Management to identify process improvements, optimize the use of technology and promote best practices. Kristi has 12 years of experience in the commercial mortgage asset management and servicing industry and received her bachelor of Business Administration in Finance from University of Texas Arlington. Prior to joining ORIX, she worked for Prudential Asset Resources as a Manager of Surveillance responsible for the credit monitoring, financial reporting and risk rating process across the portfolio.

    Liliana Barajas, Executive Assistant, Mortgage Bankers Association