RMQA18

Schedule

Schedule subject to change.

Note: Meeting rooms may change, so please refer to the on-site program for final locations.

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Sunday, September 23, 2018

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    In collaboration with the Universitiy of Maryland, Robert H. Smith School of Business

    Separate Registration Required
    MBA Members: Before Aug 14, 2018 - $450.00 AFter Aug 14, 2018 - $500.00
    Non-members: Before Aug 14, 2018 - $700.00 After Aug 14, 2018 - $750.00

    Discounts:

    Attendees of both the RMQA Conference and the Risk Management Workshop can receive $50 off their respective registration fees for a total savings of $100. Please contact education@mba.org for this discount.

    Description:

    MBA Education and The University of Maryland Smith School of Business are partnering on a classroom program that covers the topics essential to effective mortgage finance risk management for residential and commercial/multifamily lenders. The program is intended for mid to senior-level mortgage risk management professionals, with content covering core risk concepts using real world applications and exercises. Students can expect to hear from instructors who are or have recently been senior executive-level practitioners in mortgage finance risk management. To introduce the program to lenders, MBA Education is pleased to offer an abbreviated version of the 3-day program to those attending the Risk Management & Quality Assurance Conference or who may just be interested in gaining familiarity with the core concepts of risk management in mortgage finance.

    Location:

    JW Marriott LA Live
    900 W. Olympic Blvd
    Los Angeles, CA 90015

    Objectives:
    Attendees should expect to understand:Harnessing Data, Analytics, and Business Intelligence Tools in Mortgage Risk ManagementImproving Operational Risk Management in the Real Estate SectorManaging Regulatory and Compliance Risks

    Lessons:

    Lesson 1: Harnessing Data, Analytics, and Business Intelligence Tools in Mortgage Risk ManagementData requirements and standardsModeling mortgage credit and prepayment risk - pricing models, AUS scorecards, AVM modelsModel validation and governance practicesBasics of mortgage credit risk - PD, LGD and lossExpected vs Unexpected credit loss and interpreting the numbersLesson 2: Improving Operational Risk Management in the Real Estate SectorBuilding a robust fraud detection processEstimating operational losses and event identification practicesCyber risk management practicesLesson 3: Managing Regulatory and Compliance RisksUnderstanding fair lending risk and how to testBasics in mortgage compliance (TRID, QM, CRA, HMDA, Mortgage Servicing, etc)Vendor risk management

    Who Should Attend?

    Mid to Senior-Level Risk Management ProfessionalsSenior Risk AnalystsCompliance OfficersQuality Assurance ProfessionalsInternal Audit ManagersCredit OfficersChief Information Security Officers

    Speakers:

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

  • Registration

  • Exhibit Hours

  • Special Session: GSE Update


    Speaker(s)

    Malloy Evans, Vice President, Single Family Credit Policy and Risk Management, Fannie Mae

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

    Stephen W. Spies, CMB, Vice President – Loan Quality, Fannie Mae

    Special Session

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    Join 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)

    Malloy Evans, Vice President, Single Family Credit Policy and Risk Management, Fannie Mae

    Michael Fratantoni, Ph.D., Chief Economist & Senior Vice President, Research & 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 the Mortgage Industry Standards Maintenance Organization (MISMO). He also serves on the CSP's Industry Advisory Group.  Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae, and was responsible for assessing macroeconomic, regional, housing, and mortgage market trends, and providing technical expertise regarding credit pricing and mortgage policy issues.  Fratantoni received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary. He has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities and has published papers on housing and mortgage topics in leading economics and real estate finance journals.

    Stephen W. Spies, CMB, Vice President – Loan Quality, Fannie Mae

    Stephen Spies is Fannie Mae's Vice President – Loan Quality.  He leads our Loan Quality Center and his role includes developing, implementing, and monitoring loan quality standards; evaluating the quality of loan deliveries; and overseeing the effectiveness of lender quality control. Spies has an MBA from the University of Texas at Austin, and a JD from Southern Methodist University’s Dedman School of Law. He is a certified mortgage banker and a graduate of the Mortgage Bankers Association’s School of Mortgage Banking. 

  • Special Session: Trends in Purchase Mortgage Risk


    Speaker(s)

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

    Lynn M. Fisher, Ph.D., Resident Scholar and Codirector AEI Center on Housing Markets and Finance, American Enterprise Institute

    Special Session

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    Agency guidelines keep changing and competition for borrowers is at an all -time high.  The National Mortgage Risk Index (NMRI) helps to keep tabs on how risk is evolving among originated loans across different agency programs.  Our expert speaker takes a look at recent trends to help set the stage for your time at this year’s Forum.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist & Senior Vice President, Research & 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 the Mortgage Industry Standards Maintenance Organization (MISMO). He also serves on the CSP's Industry Advisory Group.  Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae, and was responsible for assessing macroeconomic, regional, housing, and mortgage market trends, and providing technical expertise regarding credit pricing and mortgage policy issues.  Fratantoni received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary. He has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities and has published papers on housing and mortgage topics in leading economics and real estate finance journals.

    Lynn M. Fisher, Ph.D., Resident Scholar and Codirector AEI Center on Housing Markets and Finance, American Enterprise Institute

    Lynn M. Fisher is a resident scholar and the codirector of the Center on Housing Markets and Finance at the American Enterprise Institute (AEI), where she focuses on housing markets, including affordable housing, home building, mortgages, and housing finance. Before joining AEI, Dr. Fisher was vice president of research and economics and the executive director of the Research Institute for Housing America at the Mortgage Bankers Association. She was previously on the faculty of Washington State University, the Massachusetts Institute of Technology (MIT), and the University of North Carolina. At MIT, she was director of the Housing Affordability Initiative in the Center for Real Estate.

    She has been published in several academic journals, including the American Economic Journal: Economic Policy, the Journal of Urban Economics, Real Estate Economics, and the Journal of Real Estate Finance and Economics. Dr. Fisher has three degrees from Pennsylvania State University: a Ph.D. in business administration with a concentration in real estate finance, an M.S. in business administration, and a B.A. in international politics.

  • Networking Opportunities,

    Reception

Monday, September 24, 2018

  • Registration

  • Breakfast,

    Networking Opportunities

  • Exhibit Hours

  • Opening General Session: Economic Update and Regulator’s Perspective


    Speaker(s)

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

    General Session

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    Financial regulators are focusing intently on lenders’ risk management organizations and practices. Top risks seen in the mortgage market today, and expectations of risk management organizations and how risk managers and regulators can interact productively will be addressed.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist & Senior Vice President, Research & 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 the Mortgage Industry Standards Maintenance Organization (MISMO). He also serves on the CSP's Industry Advisory Group.  Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae, and was responsible for assessing macroeconomic, regional, housing, and mortgage market trends, and providing technical expertise regarding credit pricing and mortgage policy issues.  Fratantoni received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary. He has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities and has published papers on housing and mortgage topics in leading economics and real estate finance journals.

  • Networking Opportunities,

    Refreshment Break

  • Breakout Session

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    Experts from Fannie Mae and Freddie Mac discuss new fraud schemes and changes in fraud trends detected at the GSE level. Panelists provide detailed data-driven analysis of current fraud trends, what has changed in the past year and what has become more prevalent. Prevention techniques and tools essential in today’s lending environment and awareness tips are provided.

  • Breakout Session

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    With more and better quality data in hand, how do you restructure the loan production process to make the best possible decisions in funding quality loans? This session follows the evidence to show how to restructure the process for optimal quality assurance and underwriting.

  • Breakout Session

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    Roughly 30% of new originations are being held on depository balance sheets.  This session focuses on the additional risk management challenges which go along with portfolio lending, including interest rate risk management.   Experts discuss some of the drivers of portfolio vs. secondary market execution, and whether portfolio loans should be underwritten to be saleable in the secondary market.

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    Attend this session and learn best practices in managing the appraisal process to save you and the consumer time and heartache.  Panelists focus on current trends to facilitate a more efficient process while maintaining accurate and high quality property valuations.

  • Lunch,

    Networking Opportunities

  • General Session: VA, FHA and USDA Update


    Speaker(s)

    Anh Doan, Associate Director, Financial Reporting, Data Management Analyst, Mortgage Bankers Association

    Jeffrey Bolla, Loan Specialist - Loan Policy and Valuation, U.S. Department of Veterans Affairs

    Jack Higgins, Director, Quality Assurance Division, Federal Housing Administration

    Joaquin Tremols, Director | Single Family Housing Guaranteed Loan Division Rural Development, U.S. Department of Agriculture

    Stephen Stacey, Chief of Quality Assurance, U.S. Department of Veterans Affairs

    General Session

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    Join representatives from the VA, FHA and USDA for an update on the challenges involved in government lending programs. Interact directly with representatives, ask questions and get answers to any challenges you are facing in your underwriting and QC operations.

    Speaker(s)

    Anh Doan, Associate Director, Financial Reporting, Data Management Analyst, Mortgage Bankers Association

    Anh Doan is an Associate Director of Research and Economics at the Mortgage Bankers Association where she is responsible for the analytics of the single family research surveys, following housing trends on delinquency, originations, mortgage applications and other metrics. In addition, she manages MBA’s Risk Management Committee. She previously worked at Freddie Mac for 5 years in single family servicing and non-performing loans. 

    Anh has a Bachelor’s Degree in Environmental Science and Economics from the University of Virginia and a Master’s Degree in Applied Economics from John Hopkins University.

     

    Jeffrey Bolla, Loan Specialist - Loan Policy and Valuation, U.S. Department of Veterans Affairs

    Jack Higgins, Director, Quality Assurance Division, Federal Housing Administration

    Joaquin Tremols, Director | Single Family Housing Guaranteed Loan Division Rural Development, U.S. Department of Agriculture

    Stephen Stacey, Chief of Quality Assurance, U.S. Department of Veterans Affairs

  • Networking Opportunities,

    Refreshment Break

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    Much has changed in the era of digital closing. However, fraudsters, too, are advancing their processes. Experts review several of the most prevalent types of fraud plaguing the closing process--specifically wire fraud, and discuss red flags associated with the latest scams and how to protect your data and your clients from them.

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    Fannie Mae, Freddie Mac, and FHA have placed increasing importance on quality control.  Learn details regarding their current processes, and get advice from the panel of experts on how to manage the new Rep/Warrant framework and any possible repurchase alternatives.

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    What are the new advances in mortgage risk analytics that will allow your company to make better decisions in the years ahead?  Hear experts talk about new methods and systems that will lead to better outcomes for your company.

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    The new Home Mortgage Disclosure Act (HMDA) data collection requirements went into effect January 1, 2018. Lenders need to be prepared to explain their story with respect to what the data shows in terms of fair lending compliance.  Focus is on proven underwriting and compliance practices.

  • Networking Opportunities,

    Refreshment Break

  • General Session

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    This group of mortgage CROs discusses emerging risks for the mortgage industry and trends in enterprise risk management. Join them to learn about the challenges and opportunities facing the modern mortgage company.

     

     

  • Networking Opportunities,

    Reception

Tuesday, September 25, 2018

  • Registration

  • Breakfast,

    Networking Opportunities

  • Exhibit Hours

  • Breakout Session

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    Struggling to combat mortgage fraud when repairing credit scores? Attend this session for a detailed discussion on proven credit repair tactics resulting in quick improvement of credit scores. Questions to be tackled include: Is there a risk to the borrower or the industry? How is this done and what are the red flags to spot it?  How do you spot the risks when manipulating a credit score?

  • Breakout Session

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    Many lenders highlight improving data quality as a key objective in moving to a digital mortgage process.  Sourcing, documenting, and validating data are the lifeblood of the system. The benefits are high, but how do you do it and what are the risk management concerns? Our expert panelists discuss systems, processes and tech solutions for QA in the automated mortgage process.

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    Keeping the Board of Directors and senior management apprised of your organization’s risk exposure is a top priority.  This expert panel will help you find the right means to communicate complex risk issues to these audiences, and help to elicit the right guidance regarding the organization’s risk appetite and culture.

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    With volumes down and margins tight, many lenders are looking to expand their business to some more challenging loan types.  Income qualification for self-employed borrowers has always been a challenge.  This session offers the best methods for doing so, and covers the potential of certain non-QM products for meeting the needs of this important borrower population.

  • Networking Opportunities,

    Refreshment Break

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    Attend this session to hear the different types of fraud trends FBI and FHFA field offices are currently reporting. Experts discuss emerging trends where opportunities exist for new cyber and re-emerging loan origination fraud schemes. Discussion includes a fraud analysis of National FinCEN SAR data trends, and tips on how you can protect your organization.

     

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    As lenders seek to expand their market share in this tough market environment, how will loan quality change? In this session panelists  look at lessons learned from past cycles, and discuss approaches for monitoring defect rates, and action plans to drive the rates down.

  • Breakout Session

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    Regulatory and business demands frequently lead lenders to outsource various aspects of their business process, but lenders are ultimately on the hook for actions taken by their vendors. This session reviews current trends in regulatory enforcement and examinations regarding vendor management programs, and covers techniques for aligning your firm's vendor management resources appropriately.

     

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    Given the lack of inventory in many markets, more consumers are looking to build new homes.  Consumer construction lending is quickly becoming the mortgage industry’s most sought after loan product. This session explores how you can grow your construction lending business while establishing good risk management practices.

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    End RMQA18 with the closing “SuperSession” designed to entice open discussion of the top industry issues highlighted at this year’s conference. Solidify what you have learned by taking part in our interactive audience polling and leave inspired!

     

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    Separate Registration Required
    MBA Members: Before Aug 14, 2018 - $450.00 AFter Aug 14, 2018 - $500.00
    Non-members: Before Aug 14, 2018 - $700.00 After Aug 14, 2018 - $750.00

    Discounts:

    Attendees of both the RMQA18 Conference and the Risk Management Workshop can receive $50 off their respective registration fees for a total savings of $100. Please contact education@mba.org for this discount.

    Description:

    Third Party Risk Management (TPRM) has become a key focus area and has seen heightened attention by regulators in recent years in the wake of data breaches and security events tied to the use of vendors and suppliers. This increased scrutiny has raised the need for formal and defensible third party risk management programs to the highest level. These programs must prioritize, assess and report on the use of third party vendors and suppliers consistent with an organization’s risk appetite and business objectives. A well-governed program has multiple components that contribute to a successful outcome.

    During this 4-hour workshop, we will review the essential components of an effective TPRM program along with the governance and executive support needed to develop and maintain that program. What constitutes success and how it reduces risk for the organization will be featured along with best practices for conducting and responding to assessments. Concepts in continuous monitoring and collaboration will be presented to illustrate where this dynamic risk area is going and how to prepare for it.

    Schedule:

    1:00 PM - 5:00 PM PST 
    *Registration will begin at 12:30 PM

    Location:
    JW Marriott LA Live
    900 W. Olympic Blvd
    Los Angeles, CA 90015

    Objectives:
    This workshop will focus on Third Party Risk Management fundamentals, the drivers that require organizations to develop a formal program, new techniques and approaches and how to overcome key challenges. Topic include but many not be limited to:Definitions, requirements and regulationsOrganizational support and "Tone at the Top"Program governance, objectives and outcomesKey program components and best practicesChallenges and obstaclesContinuous monitoring and the use of automationCollaboration and industry networksOutsourcer versus VendorProgram management and board reporting

    Who Should Attend?

    CROCIOCISO Compliance Officers; Risk Managers; Vendor Managers

    Speakers:

    Shawn H. Malone, Founder & CEO, Security Diligence, LLC
    Brad Keller, Senior Director, Third Party Strategy, Prevalent, Inc.

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