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

  • MBA Education Event

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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

  • Registraton

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Registration

  • Committee Meeting

  • Exhibit Area Open

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Exhibit Hours

  • Special Session: GSE Update

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

    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

    Pam Padgett, Vice President, Quality Control, Freddie Mac

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

    Special Session

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    Join representatives from Fannie Mae and Freddie Mac for our yearly update on critical changes taking place which impact underwriting and QC practices.

    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.

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

    Steve Spies leads Fannie Mae’s Loan Quality Center, including the quality control specialists who partner with lenders to drive loan quality. He develops, implements, and monitors loan quality standards, evaluates the quality of loan deliveries acquisition data, and oversees the effectiveness of lender quality controls.

    Pam Padgett, Vice President, Quality Control, Freddie Mac

    Pam is the Vice President of Single-Family Quality Control for Freddie Mac, reporting to the Chief Credit Officer. She leads the teams that assess client purchase quality and resolve remedies, and the client facing system to support this. Her teams, located in Freddie Mac’s headquarters in McLean, Virginia and the Atlanta and Chicago regional offices, work closely with Freddie Mac’s Fraud Investigations unit.

    Pam has over 43 years in the mortgage banking industry, holding leadership positions in every aspect of the single-family mortgage origination and closing processes, as well as construction lending, loan servicing and loss mitigation.  

    She is a graduate of the University of Alaska, Anchorage and holds a degree in Psychology with a Minor in Real Estate. Pam is past Secretary-Treasurer of the Alaska Mortgage Bankers Association and past Chairperson of the Education Committee of Virginia’s Young Mortgage Bankers Association (YMBA). 

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

    Malloy Evans is responsible for maintaining Fannie Mae’s Selling Guide and Servicing Guide policies and standards, and other risk management activities. He oversees the relationships and performance of customers that service Fannie Mae’s portfolio of owned mortgage servicing rights and its reverse mortgage portfolio.

  • Special Session: Trends in Purchase Mortgage Risk

    Location: Platinum Ballroom D-E,
    2nd Floor


    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.

  • Opening Reception in the Exhibit Area: Hooray for Hollywood

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Networking Opportunities,

    Reception

Monday, September 24, 2018

  • Registration

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Registration

  • CRO Roundtable Breakfast Meeting (By Invitation Only)

    Location: Platinum Ballroom J,
    2nd Floor

    Roundtable

  • Committee Meeting

  • Continental Breakfast

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Breakfast,

    Networking Opportunities

  • Exhibit Area Open

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Exhibit Hours

  • Opening General Session: The Big Picture: - The Economy, Regulation, and the Impact of Natural Disasters

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

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

    Jan Lynn Owen, Commissioner, California Department of Business Oversight

    Howard Botts, Chief Scientist, CoreLogic

    Christopher M. George, 2018 MBA Chairman-Elect, Founder, President and CEO, CMG Financial

    General Session

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    Today’s ever-changing business and natural environments keep the mortgage industry on its toes. Financial regulators are focusing intently on lenders’ risk management organizations and practices, and natural disasters continue to throw unexpected punches in the face of real estate finance.  Featured speakers discuss how to handle today’s challenges by address the top risks seen in the mortgage market today, regulators’ expectations of risk management organizations and how risk managers can successfully keep up production in the face of natural disasters.

    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.

    Jan Lynn Owen, Commissioner, California Department of Business Oversight

    Jan Lynn Owen was appointed to be the first Commissioner of the Department of Business Oversight by Governor Edmund G. Brown Jr. on July 1, 2013. The Department of Business Oversight was formed on July 1, 2013, as a result of the Governor’s Reorganization Plan No. 2, which merged the former Department of Corporations and Department of Financial Institutions.  Previously, Ms. Owen served as Commissioner of the California Department of Corporations, appointed by the Governor on December 27, 2011. Prior to that, Ms. Owen was the principal at The Jan Owen Group since 2010. She was also a strategic initiatives manager at Apple Inc. from 2009 to 2010, vice president of government affairs at JP Morgan Chase from 2008 to 2009, state director of government and industry affairs at Washington Mutual Inc. from 2002 to 2008 and executive director of the California Mortgage Bankers Association from 2000 to 2002.

    Ms. Owen also has extensive experience in public service.  She was acting commissioner of the Department of Financial Institutions from 1999 to 2000, after serving as deputy commissioner from 1996 to 1999. Ms. Owen also served as Executive Director of the Department of Insurance’s California Organized Investment Network program after serving several years as consultant to the State Senate Banking Committee.

    Ms. Owen is also a proud alumna of California State University, Fresno, where she earned her degree in Economics.

    Howard Botts, Chief Scientist, CoreLogic

    Dr. Howard Botts is Chief Scientist for CoreLogic. He heads the company’s science, analytics and geo-spatial professionals who generate and maintain solutions for the insurance, capital markets, mortgage, banking and energy industries.

    Howard is a founder of Proxix Solutions, a geospatial information provider, and joined CoreLogic when the company acquired Proxix in 2007. He is Professor Emeritus of Geography at the University of Wisconsin at Whitewater, and has had many former students move on to work for financial and insurance companies throughout North America in site location, underwriting, claims, actuarial, market research, GIS and IT departments.

    With more than 30 years’ experience in GIS, Howard is a recognized expert in developing natural hazard risk solutions and his work has been published extensively. He frequently presents to business and professional organizations on a variety of topics, including hazard database development, understanding portfolio natural hazard risk, market potential models and geographically-based market analysis. As the Chief Scientist of CoreLogic, Howard has been quoted by a wide range of trade publications as well as local and national newspapers, radio and television.

    Howard earned both a Bachelor of Arts and a Master of Arts degree in geography from California State University at Northridge and received a Ph.D. in geography from the University of Wisconsin-Madison.

    Christopher M. George, 2018 MBA Chairman-Elect, Founder, President and CEO, CMG Financial

    Christopher M. George, Chairman-Elect of the Mortgage Bankers Association, is the founder, President and CEO of CMG Financial, a privately held Mortgage Bank, headquartered in San Ramon, California.  In addition to his role at CMG Financial, George has served on the MBA's Board of Directors since 2012, is a member of MBA's Independent Mortgage Bankers Executive Council and MBA's Consumer Affairs Advisory Council, as well as an active member of MBA's advocacy efforts. He also serves as the 2018 Chairman of MBA's Diversity and Inclusion Committee. Additionally, George is past Chairman for California Mortgage Bankers Association and has served on many advisory boards and task forces within the industry.

  • Refreshment Break in the Exhibit Area

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Networking Opportunities,

    Refreshment Break

  • Fraud Prevention Track: GSE Fraud Trends

    Location: Platinum Ballroom B-C,
    2nd Floor


    Speaker(s)

    Bob Simpson, Senior Vice President, QuestSoft

    Sean Sowards, Director, Mortgage Fraud, Fannie Mae

    Timothy J. Ervin, Manager – Mortgage Fraud Investigations, Fannie Mae

    Doug LeDoux, CFI, Director – Investigative Operations Single Family Fraud Risk, Freddie Mac

    Breakout Session,

    Fraud Prevention Track

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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.

    Speaker(s)

    Bob Simpson, Senior Vice President, QuestSoft

    Sean Sowards, Director, Mortgage Fraud, Fannie Mae

    Sean Sowards is responsible for all aspects of Fannie Mae’s mortgage fraud investigation efforts. Directs investigators in the identification, investigation, and reporting of mortgage fraud and other related fraudulent activity in mortgage lending

     

    Timothy J. Ervin, Manager – Mortgage Fraud Investigations, Fannie Mae

    Tim Ervin oversees the daily management of mortgage fraud investigations for Fannie Mae. Manages a group of investigators who review allegations made to Fannie Mae including origination, servicing, and REO fraud. Provides fraud training for Fannie Mae staff and lender partners and coordinates the Mortgage Fraud Program’s operations within Fannie Mae.

    Doug LeDoux, CFI, Director – Investigative Operations Single Family Fraud Risk, Freddie Mac

    Doug LeDoux is a Director in Freddie Mac’s Single Family Fraud Risk unit in McLean, VA.  Doug manages the Investigation Team and the Freddie Mac Exclusionary List.  His team investigates mortgage fraud schemes, makes resolution recommendations such as Exclusionary List additions and removals, and assists regulatory and law enforcement agencies. 

    Before joining the company, Doug earned a B.S. in Business Management and began his career in the title insurance industry where he worked for 12 years in Washington and Utah.  He has also been a small business owner, a city planning commissioner and a city councilman.  After attending the police academy, he performed criminal investigations in title insurance and escrow fraud for the Utah Insurance Fraud Division and Utah’s Federal Mortgage Fraud task force.  Doug has investigated mortgage, title, escrow and insurance fraud for 15 years.

  • Loan Quality Assurance Track: Process Re-engineering

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

    Sharon Reichhardt, Vice President – Client Success, ACES Risk Management (ARMCO)

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

    Ryan Thomas, Sr., Senior Leader, Client Delivery, CoreLogic

    Michael Hurley, Managing Director, Union Bank

    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.

    Speaker(s)

    Sharon Reichhardt, Vice President – Client Success, ACES Risk Management (ARMCO)

    Ms. Reichhardt, winner of the HousingWire's Insiders award, brings over 25 years of mortgage industry experience to ARMCO as Vice President of Client Success. Her previous experience spans auditing loan servicing, origination compliance, consumer banking and commercial real estate. Prior to joining ARMCO, Ms. Reichhardt was EverBank’s lead administrator and report writer for ACES. She served as QC audit coordinator for external audits including FNMA, FHLMC, HUD, CFPB and OCC, and was instrumental in improving business processes such as executive reporting, regulatory reporting, and quality assurance. Ms. Reichhardt's hands on experience as an ACES administrator in a Quality Control environment gives her a unique perspective to assist clients with implementation, and the many ways ACES can be customized for a range of products and workflows.  

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

    Ryan Thomas, Sr., Senior Leader, Client Delivery, CoreLogic

    Ryan is Senior Leader, Client Delivery for CoreLogic. Ryan has extensive experience in automation and applied artificial intelligence within the financial services sector, where he leads consulting teams delivering custom solutions to a wide range of clients. Prior to CoreLogic he served as a Managing Consultant and Director of the Industry Solutions Group at DataQuick. Ryan is a graduate of the University of Tennessee, and holds an M.S. in Engineering Applications of Artificial Intelligence.

    Michael Hurley, Managing Director, Union Bank

    Mike Hurley is the Managing Director of Union Bank’s Mortgage & Consumer Lending Operations groups. This position includes responsibility for setup, processing, underwriting, closing and Quality Assurance for Mortgage, Home Equity and personal line of credit products. Mr. Hurley has more than 15 years of experience managing consumer credit operations. Prior to joining Union Bank, Mike headed up the Residential & Consumer Lending business for Santa Barbara Bank & Trust, NA (SBBT). SBBT was a 40 branch, $8B regional lender acquired by Union Bank in 2013. Mike is a former Freddie Mac Community Advisory Board member and a graduate of the University of California, Santa Barbara. Mike currently lives in San Diego.  

  • Risk Management & Valuation Track: Portfolio Lending

    Location: Gold Ballroom 4,
    1st Floor


    Speaker(s)

    Scott Carr, Executive Vice President - Chief Risk Officer, First Savings Bank

    Ruth Lee, Executive Vice President, MorVest Capital

    Jim Krueger, Vice President, Risk Management, Arch Mortgage Insurance Company

    David Binder, Senior Director, FICO

    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.

    Speaker(s)

    Scott Carr, Executive Vice President - Chief Risk Officer, First Savings Bank

    Scott Carr is executive vice president, chief risk officer, of First Savings Bank, Clarksville. He joined the bank in 2016, prior to which he was chief risk officer of Your Community Bank for 11 years, compliance manager of Financial Service Solutions LLC, compliance manager of First Omni Mortgage Lending and compliance auditor of Providian Financial. Mr. Carr serves as a member of the Compliance Committee of the Indiana Bankers Association as well as on the Advisory Board of the Future Leadership Division of the Indiana Bankers Association. Carr is a certified regulatory compliance manager (CRCM) and a certified AML and fraud professional (CAFP), both through the ABA Professional Certifications (formerly Institute of Certified Bankers, ICB); has earned certification in risk management assurance (CRMA) from the Institute of Internal Auditors; is a graduate of Indiana University-Southeast and of the Graduate School of Banking at Louisiana State University; and is a veteran of the U.S. Navy.

    Ruth Lee, Executive Vice President, MorVest Capital

    With over 24 years of sales and operational leadership, Ruth Lee is a prevalent speaker, author and thought leader in the mortgage industry.  Recognized for demonstrating a natural aptitude for identifying industry trends, as well as for client relations and building channels, she has a verifiable history of contributing directly to company growth and expansion throughout her career.

    Having built and sold two companies, one in origination and one in operational and compliance services, Ruth’s expertise spans retail, wholesale, correspondent investing, warehouse lending, servicing, market analysis, technology solutions, and project management.   Currently, Ruth is pursuing a timely path providing liquidity advisory services to the market focusing on MSR financing, valuation and brokerage. 

    A graduate in economics from Mt. Holyoke College, Ruth lives in Colorado with her husband.

    Jim Krueger, Vice President, Risk Management, Arch Mortgage Insurance Company

    As Vice President of Portfolio and Model Risk Management for Arch US MI, Jim Krueger leads a team that is responsible for ensuring the safety and soundness of Arch’s US MI insurance portfolio as well as ensuring that critical quantitative models are developed, documented, controlled, challenged and maintained properly.  Jim joined Arch in 2017 as part of the acquisition of United Guaranty.

    With nearly 20 years in the mortgage insurance industry, Krueger has held numerous leadership positions across various functions including Risk, International Business Development, Marketing and Operations, most recently serving as United Guaranty’s Chief Risk Officer for Asia Operations and Vice President of Quality Assurance.

    David Binder, Senior Director, FICO

    David is a Senior Director for FICO and leader of the firm’s global IFRS 9 and CECL practice. Before joining FICO, David was a Credit Risk Director for Barclaycard, responsible for managing and forecasting its global £1.2bn+ annual impairment budget, as well as managing Barclaycard's internal and external stress tests. David also provided thought leadership and analysis to support Barclays's overall IFRS 9 policy interpretation, impact assessment and model methodologies for retail products.

    David's other experience includes senior roles with financial services consulting and analysis firms First Manhattan Consulting Group and Argus Information and Advisory Services, as well as private equity real estate investment management firm Evans Randall in London.

    David holds a bachelor’s degree cum laude in Applied Mathematics from Harvard University. 

  • Underwriting and Compliance Track: Appraisal Management

    Location: Gold Ballroom 3,
    1st Floor


    Speaker(s)

    Jim Smith, CMB, President, Property Solutions, Part of the Computershare Group

    Alan Hummel, Chief Appraiser and Vice President of Valuations, First American Mortgage Solutions

    John S. Brenan, Director of Appraisal Issues, The Appraisal Foundation

    Phillip Huff, Vice President, Valuation Services, Altisource Portfolio Solutions, Inc

    Michael Wood, Credit Risk Executive, Bank of America

    Breakout Session

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    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.

    Speaker(s)

    Jim Smith, CMB, President, Property Solutions, Part of the Computershare Group

    Jim is President of Property Solutions, directing a dynamic national team of veteran industry experts in collateral valuation, title and asset management services. Under his leadership, the company offers investors and residential lenders comprehensive valuation products and services for both residential and commercial loans, with focus on meeting and exceeding the needs of customers. Jim is a Certified Mortgage Banker, the highest professional designation for the real estate finance industry.

    Prior to joining Computershare, Jim held senior roles at Clear Capital and Urban Lending Solutions, as well as executive management positions at Fiserv Portfolio Services, Fidelity Hansen Quality, Old Kent Mortgage and Southern Pacific Funding Corporation.

    Alan Hummel, Chief Appraiser and Vice President of Valuations, First American Mortgage Solutions

    Alan Hummel, SRA, serves as Chief Appraiser and Vice President of Valuations for First American Mortgage Solutions. As a Certified General Real Property Appraiser for over 30 years, Alan has provided clients with solutions to a broad variety of real estate issues and has been named by Inman News as one of the top 100 most influential people in real estate and the 2017 Valuation Visionary by the Collateral Risk Network.
    Alan is an AQB Certified USPAP instructor. He has served as the National President of the Appraisal Institute, and as an officer of The Appraisal Foundation. Alan has testified before the U.S. Senate and the U.S. House of Representatives on appraisal issues, and continues to be invited to speak nationwide to banking associations and numerous real estate industry groups on valuation trends and standards of practice.

    John S. Brenan, Director of Appraisal Issues, The Appraisal Foundation

    John has been the Director of Appraisal Issues for The Appraisal Foundation since October 2003. In this capacity, John serves as the Foundation’s senior staff contact regarding the work of the Appraisal Standards Board (ASB) and Appraiser Qualifications Board (AQB).

    Prior to his current position, John spent 8½ years as the Chief of Licensing and Enforcement for the California Office of Real Estate Appraisers (OREA). In that role, John administered the largest real estate appraiser licensing program in the United States, evaluating applicants for compliance with both federal and state requirements. John was also responsible for California’s enforcement program; educating and/or disciplining licensees who violated law, regulations or USPAP. John worked with local, state, and federal law enforcement agencies regarding cases involving fraud.

    John has been in the appraisal profession since the early 1980s. Prior to joining OREA in February 1995, he worked as a staff appraiser and fee appraiser for several large financial institutions, appraising both residential and non-residential real estate covering a wide variety of property types. He also previously managed an appraisal department for a major financial institution. John is a Certified General appraiser, AQB Certified USPAP Instructor, and a Fellow with the Royal Institution of Chartered Surveyors. John holds a Bachelor’s degree in Business Administration from California State University, Long Beach.

    Phillip Huff, Vice President, Valuation Services, Altisource Portfolio Solutions, Inc

    Phil Huff is President and CEO of Springhouse® AMC in St. Louis, Missouri. Prior to Springhouse, Phil served as CEO of Platinum Data Solutions, a pioneer of computer-assisted appraisal quality software. He orchestrated the company’s sale to Mercury Network in 2016. Phil also founded eLynx, which pioneered electronic mortgage document delivery in the early 2000s. He served as its President and CEO until the company’s sale in 2005. Phil graduated from Miami University with a bachelor’s in computer science. 

    Michael Wood, Credit Risk Executive, Bank of America

    Michael Wood is Executive of Credit Policy & Controls for the Consumer Bank, in this capacity Wood serves as the Executive for Consumer Credit products, including Mortgage, Home Equity, Auto, U.S. Credit Card and Small Business Lending. Wood joined the Bank of America team in Columbus in 2016. Prior to joining Bank of America in January of 2016, he served as Executive Director Credit Risk Management for Morgan Stanley, with responsibility for credit policy, oversight of lending authority, decision engine management, quality assurance, and governance oversight for Mortgage Retail Lending Credit Risk regulatory requirements. His previous positions have included risk, credit policy and servicing roles with New Century, Washington Mutual, and PMI Mortgage Insurance Co. across his 25-year financial services career.

  • Lunch in the Exhibit Area

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Lunch,

    Networking Opportunities

  • General Session: VA, FHA and USDA Update

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

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

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

    Justin Burch, Managing Director, The Collingwood Group, LLC

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

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

    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)

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

    Stephen Stacey has been with the Veterans Benefits Administration, Loan Guaranty Service (LGY) in Washington, DC (Out-based Nashville) for 8 years, where he has held several positions conducting oversight of LGY programs.  He began his VA career in the Nashville Monitoring Unit (MU), where he conducted oversight of VA approved lenders, and has since held progressively responsible positions in LGY.  Stephen is currently the Chief of Quality Assurance for LGY.  In this position, he is responsible for managing oversight of Regional Loan Center (RLC) operations, administration of LGY’s Enterprise Risk Management (ERM)/Internal Controls Assessment program, and for facilitation of audits/investigations/inquiries of LGY Programs.  Prior to his tenure with VBA, Stephen worked in private industry, where he held various leadership positions in banking, credit underwriting, and mortgage lending.  Stephen holds two degrees in business and a Ph.D. in Organizational Leadership from Johnson University in Knoxville, TN.  

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

    Jeffrey Bolla was hired as a Program Analyst, Loan Guaranty Service in July 2012.  In this position, Mr. Bolla is responsible for creating and defining loan policy for a nationwide program.  His main focus has been translating CFPB’s policies for use within the VA Home loan program.  Additionally, Mr. Bolla performs MISMO Data updates to VA systems.  He is responsible for ensuring all of the Loan Guaranty Service systems are properly updated to improve the end-user experience for internal and external stakeholders. Prior to coming to VA, Mr. Bolla worked in the mortgage industry for 20 years.  In those years, he worked in various positions, such as a loan processor, loan officer, branch manager, and owning a mortgage company.  He attended Adrain College prior to the Gulf War, when he was called back to active duty.  Mr. Bolla spent 12 years on active duty and as a reservist in the United States Marine Corp, and left at the rank of Staff Sargent.  He currently lives Fairfax, Virgina.

    Justin Burch, Managing Director, The Collingwood Group, LLC

    Justin Burch is Managing Director of The Collingwood Group leading the Federal Housing Practice.  Prior to Collingwood, Burch led FHA's quality assurance and counterparty risk management activities, including compliance evaluation of origination, underwriting, and servicing practices, lender examinations, and management of FHA's Credit Watch Initiative.  He was a member of the Joint Federal Housing Agency working group composed of leadership from the CFPB, Ginnie Mae, FHFA, FHA, the VA Loan Guaranty Service, and Rural Development. Burch also worked at Ginnie Mae, responsible for issuer performance evaluation and monitoring and was a principal architect of the HMBS reverse mortgage securitization program.

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

    Joaquín Tremols is the Director of the USDA Rural Development’s Single Family Housing Guaranteed Loan Program, which has an outstanding portfolio exceeding $115 billion. Under Joaquín’s leadership, the program transitioned from requiring Congressional appropriations each year to not needing taxpayer funding; it now pays for itself through the guarantee fees it charges private sector participants. A recent accomplishment was changing the program from a labor intensive, paper-driven process, to a paperless electronic environment. Joaquín has been involved in the mortgage industry since 1983, joining USDA Rural Development in 1998. His background includes nearly a decade at the Chase Manhattan Bank in New York, where he filled progressively more responsible management positions in mortgage origination and servicing activities. He worked in the Regulation and Legislation Section of the FDIC’s legal department, rendering advisory opinions interpreting banking laws and regulations. He has also been involved in the credit union industry as lending manager of the Marriott Federal Credit Union and on the supervisory committee of the Agriculture Federal Credit Union.

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

    Jack Higgins is the Director of FHA’s Quality Assurance Division, which is part of Single Family Housing’s Office of Lender Activities and Program Compliance at HUD headquarters.  He joined HUD in 2010 as a Presidential Management Fellow and has served in various roles within the Office of Single Family Housing, primarily as a policy analyst and manager of special projects.  In 2017, he spearheaded the effort to design and deploy FHA’s Loan Review System, which implemented a new Defect Taxonomy and streamlined FHA’s quality assurance processes.

    Prior to joining HUD, Jack worked as a consultant for nonprofits, state and local governments, and other public-sector institutions.  He was also a volunteer coordinator for a small international development organization, and he worked for several years as a homebuilder.  He has a BA in International Relations from the University of Virginia and an MPA from the University of Pennsylvania.

  • Refreshment Break in the Exhibit Area

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Networking Opportunities,

    Refreshment Break

  • Fraud Prevention Track: Reducing the Risks of Wire Fraud

    Location: Platinum Ballroom B-C,
    2nd Floor


    Speaker(s)

    Charles Cain, Executive Vice President-Agency, WFG National Title Insurance Company

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

    John V. Levonick, Special Counsel, Pepper Hamilton, LLP

    Kathy Lowry, Director of Internal Audit, The Money Source

    Breakout Session,

    Fraud Prevention Track

    Read more Read less

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

    Speaker(s)

    Charles Cain, Executive Vice President-Agency, WFG National Title Insurance Company

    Chuck Cain 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 has served as a trustee of the Ohio Land Title Association and is a 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 30 years, was an owner-operator of title agencies for 18 years and corporate officer with LandAmerica for over 10 years. He joined WFG as SVP in the Agency Division in August of 2010.  He has spoken before many state land title associations, state and local bar associations, 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.

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

    Don Effertz is Vice President of Fraud Risk 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.  Prior to DataVerify he was with JPMorganChase as SVP over Operational Risk Management where his duties included fraud prevention and investigation, operational risk management, operational quality audits (production and servicing QC), early payment default audits and branch operational audits.  While with JPMorganChase he was a member and former chair of the Operational Risk Management Committee, a member of Freddie Mac’s Fraud Roundtable and MBA’s Fraud and Ethics Subcommittee.  Effertz hold a Bachelor of Science degree from St. John’s University in Collegeville, MN.

    John V. Levonick, Special Counsel, Pepper Hamilton, LLP

    Mr. Levonick's practice focuses on consumer financial services regulatory compliance and technology. Specific areas include consumer lending asset origination, servicing, and asset purchase and sale transactions; and assisting creditors, servicers, investors, and service and technology providers with regulatory issues.

    Mr. Levonick also supports financial institutions and technology service providers (FinTech and RegTech) with the regulatory compliance implications of emerging technology, such as blockchain technology, artificial intelligence, machine learning, cryptocurrencies and cloud computing.

    Mr. Levonick is admitted to practice in Connecticut (he is not admitted in New York).

    Kathy Lowry, Director of Internal Audit, The Money Source

    Kathleen Lowry is the Director of Internal Audit for The Money Source, Inc.  She is a risk-based leader with over 25 years of industry experience in Consumer and Residential lending, Fraud Detection, AML/BSA, Credit Risk Management, Regulatory Compliance, Default Servicing, Loss Mitigation, and Vendor Oversight.  Kathy specializes in defining, refining and streamlining operations through strategic audits and enhanced data analytics identifying potential risks and effectuating meaningful policy and process changes.  She has been instrumental in implementing comprehensive fraud management programs, collaborating with state, local and federal authorities as well as directing internal and external legal partners to proactively pursue best case remedies for her employers.  Her vast knowledge, high ethical standards and extensive experience continues to be identified as a strength from regulators nationwide.

  • Loan Quality Assurance Track: Managing the Agencies’ QA Process

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

    Duane Gilkison, Director of Credit Risk Management, Fannie Mae

    Kevin Wall, President, Mortgage Solutions, First American Mortgage Solutions

    Aaron Samples, President, First Guaranty Mortgage Corporation

    Katy Kenny, Sr. Director of Quality Control, Freddie Mac

    Breakout Session

    Read more Read less

    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.

    Speaker(s)

    Duane Gilkison, Director of Credit Risk Management, Fannie Mae

    Duane Gilkison partners with Fannie Mae customers to maintain loan manufacturing quality. He oversees QC activities, repurchase resolution activities, and customer-facing systems that support loan quality.

    Kevin Wall, President, Mortgage Solutions, First American Mortgage Solutions

    Kevin Wall is President of First American Mortgage Solutions, a leading provider of data and technology offerings covering the entire residential loan spectrum, including 100 percent coverage of U.S. property ownership data, fraud and verifications, regulatory compliance, valuations, fulfillment services, quality control, title and settlement, post-closing document management, home equity, and default services. First American Mortgage Solutions is also the first to offer a comprehensive set of API offerings across the lending lifecycle. The company is a subsidiary of First American Financial Corporation, which was recognized in 2016, 2017 and 2018 by Fortune® magazine as one of the 100 best companies to work for in America.

    Wall is responsible for strengthening the company’s alignment with lenders, servicers and investors, and strategically positioning the company to offer innovative, data-driven products and services focused on providing accuracy and transparency at every point along the mortgage continuum. Prior to First American Mortgage Solutions, he gained deep industry knowledge through his decades of service at First American, CoreLogic, Wells Fargo and Morgan Stanley.

    Wall has been recognized for his leadership with industry awards, and is a frequent commentator and contributing author on key industry topics and trends. He is a graduate of the University of Pittsburgh.

    Aaron Samples, President, First Guaranty Mortgage Corporation

    Aaron Samples brings over 18 years of industry experience and expertise across all phases of mortgage lending and servicing. Prior to joining FGMC, Aaron served four years as Executive Vice President at Stearns Lending. During his tenure at Stearns, Aaron managed various origination channels, strategic corporate initiatives, and served as Director of MSR. Prior to joining Stearns Lending, Aaron served in various executive capacities at Nationstar Mortgage, where his responsibilities included the acquisitions of mortgage servicing rights, corporate M&A, and management of residential loan portfolio subservicing. While at Nationstar, Aaron also held various executive roles in correspondent, retail, consumer direct and wholesale lending channels.

    Aaron is recognized as an industry leader in the MSR space and often speaks at industry events.

    Katy Kenny, Sr. Director of Quality Control, Freddie Mac

    Katy Kenny is a Sr. Director of Quality Control with Freddie Mac’s Single Family Quality Control Underwriting.  The areas of focus include ensuring the quality, consistency, speed, and transparency of the underwriting process.  This includes focus on customer results, providing direct and actionable feedback to customers, and providing an optimal customer experience.  Katy and her team work to support Quality Control’s customer facing systems – Quality Control Advisor – so that our interaction with customers is efficient, directive, and provides the trending and detailed information to provide value to their QA organizations.  Katy also works on the Representation Framework and the Remedy Alternatives associated the Remedy Requests.  Katy is a graduate of the University of New Hampshire.

  • Risk Management & Valuation Track: Mortgage Analytics

    Location: Gold Ballroom 4,
    1st Floor


    Speaker(s)

    Nicholas T. Corpuz, Director of Compliance, Brace Software

    Debra Dunn, Chief Operating Officer, SWBC Mortgage

    Charles Delmolino, Post Closing Audit Lead, The Money Source

    Julie Jones, Credit Risk Analyst, Fannie Mae

    Ryan Lilly, Senior Vice President - Mortgage Services, Phoenix Capital, Inc.

    Breakout Session

    Read more Read less

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

    Speaker(s)

    Nicholas T. Corpuz, Director of Compliance, Brace Software

    Nicholas Corpuz is the Director of Compliance at Brace Software, Inc. Nicholas is responsible for developing Brace’s compliance management system. Nicholas has extensive professional experience in areas ranging from Loan Purchase Audit, Loan Servicing Administration and Oversight, to Risk Management of Distressed Assets. Prior to joining Brace, Nicholas created and developed Subsequent QC’s servicing quality control."

    Debra Dunn, Chief Operating Officer, SWBC Mortgage

    Debbie oversees credit policy, the quality assurance program, vendor management, the compliance management system, the risk management program, and industry relations. Debbie has more than 30 years of mortgage industry experience that includes originating, processing, closing, underwriting, and post-closing roles in addition to over 25 years as an executive manager. Prior to joining SWBC, she spent more than 20 years with CTX Mortgage Company and Centex Financial Services, holding various positions including Chief Lending Officer and Executive Vice President of Risk, Regulatory, and Industry Relations. As a credit policy and operations expert, she works closely with Quality Control and Regulatory Compliance management to ensure cohesive and responsive processes that are compliant with industry guidelines and scalable to support changing requirements and needs.   Debbie also represents SWBC Mortgage with trade groups, investors, regulators, and agencies. She is an active member of various committees, working groups, and task forces for the Mortgage Bankers Association, she serves on two advisory committees for the GSE’s, and is a member of the State Regulatory Registry Industry Advisory Council.

    Charles Delmolino, Post Closing Audit Lead, The Money Source

    Charles Delmolino is the Vice President of Loan Quality at The Money Source Inc. He is a risk-based leader with over 13 years of Mortgage Banking experience in Origination Operations, Credit Risk Management, Origination/Servicing Quality Control, and Fraud Detection. Charles has played an integral role in the development and management of effective and invaluable Quality Control programs in both Origination and Servicing environments. He is recognized for directing operational improvement through collaboration and transparency with the utilization of data analytics to identify, manage, and minimize areas of potential risk inside and outside of an organization.

    Julie Jones, Credit Risk Analyst, Fannie Mae

    Julie Jones leads the communication and outreach strategy for Fannie Mae’s Collateral Policy & Strategy team, supporting the strategic initiatives that drive innovation in the appraisal space. With a diverse background in real estate and valuation, she provides subject matter expertise on Collateral Underwriter® (CU®) and Fannie Mae appraisal guidelines.

    Ryan Lilly, Senior Vice President - Mortgage Services, Phoenix Capital, Inc.

    Ryan Lilly is a 12-year veteran in mortgage servicing, credit risk management, and mortgage banking. Mr. Lilly demonstrates expertise in product development and management with a focus on component mortgage servicing, due diligence, and quality control. Mr. Lilly joined Phoenix in 2016 and is currently responsible for business and product development as well as ensuring best-in-class performance for each of the company’s Mortgage Services product offerings. While at Phoenix Ryan has launched several new services and engagements focused on risk management, quality control and data-enabled servicing optimization resulting in 300% growth for the division. Prior to joining Phoenix, Mr. Lilly has worked in senior management at several large and specialized mortgage servicers as well as started and sold a mortgage due diligence firm.

  • Underwriting and Compliance Track: HMDA & Fair Lending

    Location: Gold Ballroom 3,
    1st Floor


    Speaker(s)

    David M. Skanderson, Ph.D., Vice President, Financial Economics, Charles River Associates

    Ellen Rose, Director, Treliant, LLCs

    Leonard Ryan, President, QuestSoft

    Breakout Session

    Read more Read less

    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.  Experts provide proven underwriting and compliance practices.

    Speaker(s)

    David M. Skanderson, Ph.D., Vice President, Financial Economics, Charles River Associates

    Dr. David M. Skanderson is a Vice President in the Financial Economics Practice at Charles River Associates, based in Washington, DC.  He is a quantitatively focused economist with more than 20 years of experience providing practical solutions to regulatory compliance, risk management, risk model governance, litigation and public policy issues.  He specializes in analysis for regulatory and litigation matters.  Dr. Skanderson has focused especially on issues related to consumer credit underwriting, pricing, marketing, and servicing, with a specialization in fair lending/non-discrimination matters.  His experience with fair lending issues includes extensive analysis of mortgage, credit card, unsecured lending and small business lending issues.  He works with both traditional and Fintech lenders to test their automated decision systems and scoring models for disparate impact risk.  He also regularly serves as a testifying expert in home mortgage-related litigation matters on topics related to underwriting practices, loan servicing, and loan modifications, including analysis of class action and damages claims.  He received a Ph.D. and M.A. in Economics from the University of Rochester, and a B.A. from California State University, Sacramento.

    Ellen Rose, Director, Treliant, LLCs

    Ellen Rose is a Director with Treliant. She is a seasoned financial services professional with executive experience in all facets of commercial and residential mortgage banking. Ellen has over 30 years of industry experience in directing originations, secondary marketing, servicing, support, and vendor activities. With a focus on compliance, she has led large and small projects in situations ranging from mortgage startups to mergers and acquisitions.

    At Treliant, Ellen advises clients on a variety of compliance and operational needs including design, improvement, and transformation of business and compliance processes. She directs teams to deliver high-quality business and compliance solutions for clients in all aspects of mortgage lending, including originations, servicing, and secondary marketing.

    Prior to joining Treliant, Ellen held a Senior Director position with Newbold Advisors, where she developed and led numerous client engagements spanning compliance, business process engineering, and operational assessments. Previously, she founded and managed Dynamic Global Solutions, LLC, assisting clients with capital markets and consulting needs. She has also held executive and senior positions with Bayview Financial Trading Group, Carteret Savings Bank, Merrill Lynch, and Shearson/American Express.

    Ellen studied ancient Greek at Grinnell College and holds a degreed certificate in international affairs from Sveučilište u Zagrebu.

    Leonard Ryan, President, QuestSoft

    Leonard Ryan is the founder and president of QuestSoft Corporation.  He has been associated with the mortgage industry for over 30 years and, for the past 23 years, being a major compliance software leader.   He is a frequent speaker at mortgage software and regulatory compliance conferences. 

    Mr. Ryan has been named twice to Mortgage Professional America’s Hot 100 list of Mortgage superstars (2018 & 2016).  In January, 2017, he received a Vanguard Award from Housing Wire Magazine.  He also is recognized as a MBA Tech All-Star for his visionary work in the area of mortgage and lending compliance.

    His company, QuestSoft, serves over 2,600 banks, credit unions and mortgage lenders and has received over 20 awards during the past four years including the top award for any vendor, the Lenders Choice award.  Recently QuestSoft was named Top Innovator by Progress in Lending in recognition of its Compliance RELIEF software for its advanced availability to customers ahead of the recent HMDA changes.  QuestSoft is currently rated the 10th best small business workplace to work in Orange County, CA and has been recognized as a top workplace in the region for four of the past five years.

  • Refreshment Break in the Exhibit Area

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Networking Opportunities,

    Refreshment Break

  • General Session: Executive Perspectives

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

    Debra Dunn, Chief Operating Officer, SWBC Mortgage

    Cheryl Feltgen, Executive Vice President, Chief Risk Officer, Arch Mortgage Insurance Company

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

    Terry L. Schmidt, CMB, Executive Vice President & Chief Financial Officer, Guild Mortgage Company

    General Session

    Read more Read less

    Our closing general session of the day features leading mortgage executives discussing key risks and trends impacting the market. 

     

     

    Speaker(s)

    Debra Dunn, Chief Operating Officer, SWBC Mortgage

    Debbie oversees credit policy, the quality assurance program, vendor management, the compliance management system, the risk management program, and industry relations. Debbie has more than 30 years of mortgage industry experience that includes originating, processing, closing, underwriting, and post-closing roles in addition to over 25 years as an executive manager. Prior to joining SWBC, she spent more than 20 years with CTX Mortgage Company and Centex Financial Services, holding various positions including Chief Lending Officer and Executive Vice President of Risk, Regulatory, and Industry Relations. As a credit policy and operations expert, she works closely with Quality Control and Regulatory Compliance management to ensure cohesive and responsive processes that are compliant with industry guidelines and scalable to support changing requirements and needs.   Debbie also represents SWBC Mortgage with trade groups, investors, regulators, and agencies. She is an active member of various committees, working groups, and task forces for the Mortgage Bankers Association, she serves on two advisory committees for the GSE’s, and is a member of the State Regulatory Registry Industry Advisory Council.

    Cheryl Feltgen, Executive Vice President, Chief Risk Officer, Arch Mortgage Insurance Company

    As Chief Risk Officer, Cheryl Feltgen has responsibility for risk management oversight of Arch MI. She leads a team dedicated to advancing the risk culture, articulating a risk appetite and supporting the business in identifying, measuring, monitoring, controlling and reporting all risk types. Her responsibilities include the Enterprise Risk Management Program, portfolio risk management, model risk management, operational risk management, and quality control and loss investigations. Ms. Feltgen has decades of experience in financial services and real estate investments, including eight years in risk management and operating unit leadership positions at GE Capital.

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

    GWEN MUSE-EVANS is the President and CEO of GME Enterprises, a management consulting firm that provides risk management, operations management and housing finance advisory services to corporate, nonprofit and government clients. During her 25+-year tenure in the financial services industry, Gwen has served in many high-profile executive leadership positions and has successfully implemented risk management platforms to drive effective management of significant risks. She was most recently the Senior Vice President and Chief Risk Officer for the Credit Portfolio Management and Single Family businesses at Fannie Mae where she served from 2001 until 2014.  Gwen was recognized for demonstrating exceptional leadership skills, strategic thinking and the ability to generate consensus for adoption of ideas to enhance risk management practices and fuel proactive change across the organization.  Gwen is a Certified Enterprise Risk Professional, a Certified Project Management Profession and a faculty member of the American Bankers Association’s Risk Management School.

    Terry L. Schmidt, CMB, Executive Vice President & Chief Financial Officer, Guild Mortgage Company

    Terry Schmidt started at Guild Mortgage in 1985 and has been a member of the company’s board of directors since 2006. As chief operating officer, Ms. Schmidt is responsible for financial and investor reporting, budgeting, cash management, warehouse lending and human resources management. She led efforts to establish Guild’s first nonprofit organization, the Guild Giving Foundation, designed to encourage volunteerism among Guild’s more than 4,000 employees. Ms. Schmidt has helped the company grow to become one of the nation’s largest and most-respected independent mortgage lenders. She increased and improved access to financing during a record-breaking growth period in Guild’s nearly 60-year history and has helped increase Guild’s national market share every year since the leadership team launched the company’s long-term, strategic growth plan in 2008.

  • Networking Reception in the Exhibit Area: RMQA Social

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Networking Opportunities,

    Reception

Tuesday, September 25, 2018

  • Registration

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Registration

  • Continental Breakfast

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Breakfast,

    Networking Opportunities

  • Exhibit Area Open

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Exhibit Hours

  • Fraud Prevention Track: Credit Repair Strategies

    Location: Platinum Ballroom B-C,
    2nd Floor


    Speaker(s)

    Jennifer Link, Vice President of Fraud Investigations, Caliber Home Loans, Inc.

    Sean Sowards, Director, Mortgage Fraud, Fannie Mae

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division, Federal Bureau of Investigation

    Bridget A. Berg, Senior Director, Fraud Solutions Strategy, Corelogic

    Breakout Session,

    Fraud Prevention Track

    Read more Read less

    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?

    Speaker(s)

    Jennifer Link, Vice President of Fraud Investigations, Caliber Home Loans, Inc.

    Sean Sowards, Director, Mortgage Fraud, Fannie Mae

    Sean Sowards is responsible for all aspects of Fannie Mae’s mortgage fraud investigation efforts. Directs investigators in the identification, investigation, and reporting of mortgage fraud and other related fraudulent activity in mortgage lending

     

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division, Federal Bureau of Investigation

    Christa Lynn Greco is an Intelligence Analyst (IA) with the FBI’s Criminal Investigative Division specializing in mortgage fraud matters with a national threat focus. She participates in numerous government and industry working groups and has authored numerous mortgage fraud-related intelligence reports and case studies. IA Greco has a Master’s of Science in Criminal Justice from the University of Cincinnati and has been with the FBI for 22 years.

    Bridget A. Berg, Senior Director, Fraud Solutions Strategy, Corelogic

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

  • Loan Quality Assurance Track: Digital Mortgage

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

    Joseph Mattey, Vice President of Enterprise Risk Analytics, Chief Risk Office, USAA Federal Savings Bank

    Brian K. Fitzpatrick, Chief Executive Officer, LoanLogics

    Duane Gilkison, Director of Credit Risk Management, Fannie Mae

    Jay Hollis, VP of Product Strategy, Pavaso, Inc.

    Breakout Session

    Read more Read less

    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.

    Speaker(s)

    Joseph Mattey, Vice President of Enterprise Risk Analytics, Chief Risk Office, USAA Federal Savings Bank

    Brian K. Fitzpatrick, Chief Executive Officer, LoanLogics

    Brian Fitzpatrick, CEO of LoanLogics, is responsible for all facets of the business and is also the company’s “chief culture officer.” He is accountable for leading the company’s rapid growth and is a demonstrated leader with expertise in mortgage technology and business process outsourcing solutions.

    Mr. Fitzpatrick has raised industry-wide awareness of how technology plays a key role in the production and measurement of loan quality and performance. He is an adept spokesperson for LoanLogics and has authored and been quoted in numerous articles and white papers discussing regtech, digital mortgage, document processing and business rules technologies.

    For outstanding achievement in leadership, Mr. Fitzpatrick was named twice as finalist for the EY Entrepreneur of the Year Award and once for the Marcum Innovator of the Year Award. He is also a recipient of HousingWire Magazine's prestigious Vanguard Award™ for leading and changing the housing economy.

    Duane Gilkison, Director of Credit Risk Management, Fannie Mae

    Duane Gilkison partners with Fannie Mae customers to maintain loan manufacturing quality. He oversees QC activities, repurchase resolution activities, and customer-facing systems that support loan quality.

    Jay Hollis, VP of Product Strategy, Pavaso, Inc.

    Jay has been working at Pavaso since its inception. He is currently the VP of Product Strategy and helped to design the Pavaso platform and Digital Close applications from their inception.  Today, Jay focuses on designing new products and enhancements to Pavaso’s products, while working closely with the development and marketing teams ensuring that all solutions meet the defined requirements and provide a quality end-user experience. 

  • Risk Management & Valuation Track: Briefing the Board

    Location: Gold Ballroom 4,
    1st Floor


    Speaker(s)

    John Stewart, Chief Risk Officer, Senior Vice President, BECU - Boeing Employees' Credit Union

    Carmel York, Principal, Carmel York Advisors

    Bob Morgan, Senior Vice President, Private Client Banking and Credit Risk Officer, Raymond James & Associates

    Phil McCall, President and COO, ARMCO

    Breakout Session

    Read more Read less

    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.

    Speaker(s)

    John Stewart, Chief Risk Officer, Senior Vice President, BECU - Boeing Employees' Credit Union

    John serves as Chief Risk Officer and SVP, leading the Legal, Governance, Risk, and Compliance functions at BECU.

    John has nearly 20 years of experience in the financial services industry. He has previously been the Chief Risk Officer of the Federal Home Loan Bank of Seattle, and in senior risk management roles at other institutions. He is also an instructor at the University of Washington’s Computational Finance & Risk Management program. John holds a Ph.D. in Engineering from Princeton University.

    Carmel York, Principal, Carmel York Advisors

    Carmel York is a 27-year mortgage banking veteran who has led conduits, investment banks, and financial institutions through change events, scaling  production, streamlining process, and uncovering and managing risks in sales and operations.  She works with stakeholders, owners, boards of directors, and executives to uncover and manage systemic organizational risks.  Building strong relationships with large, medium and small mortgage banking enterprises, she leads firms through change events to scale their business, increase profitability and mitigate risks.

    Bob Morgan, Senior Vice President, Private Client Banking and Credit Risk Officer, Raymond James & Associates

    Bob is a Senior Vice President of Credit Risk with Raymond James Bank N.A., located in St. Petersburg Florida. Credit Risk responsibilities include retail residential lending, correspondent lending and securities based lending with total portfolio assets exceeding $6 billion.

    Bob has over 40 years banking and finance, with the last 21 years spent with Raymond James Bank. Prior banking experience includes management roles with First of America Bank (FL), Fortune Bank (FL), and Conservative Savings and Loan (NE). Banking and finance experience includes all aspects of residential, consumer lending and securities based lending, including managing operational units, product development, underwriting, quality control and overall credit risk management.

    Bob graduated from Benedictine College Atchison Kansas with a B.A. in Business Administration and a minor in economics.

    Phil McCall, President and COO, ARMCO

    Phil McCall, President of ARMCO brings more than two decades of executive experience in the mortgage industry to ARMCO. He is a seasoned expert in quality control, loan origination and underwriting, mortgage fraud, loss and litigation and real estate-based transactions. Previously, Mr. McCall was the COO for IMARC, a forensic loan auditing and loan data verification provider.  In the fifteen years previous to IMARC, he held executive positions with three privately owned mortgage banking firms. In the process, he was an integral liaison between the companies and various Wall Street firms, and was actively engaged as a seller / servicer with Fannie Mae and Freddie Mac. He is a licensed real estate broker in California and is a direct endorsed underwriter for the Federal Housing Administration (FHA). Mr. McCall has held real estate and broker licenses in more than 20 other states.

  • Underwriting and Compliance Track: Underwriting Non-QM and Self-employed Borrowers

    Location: Gold Ballroom 3,
    1st Floor


    Speaker(s)

    Justin Vedder, Executive Vice President, Altisource Portfolio Solutions, Inc.

    Ben Wu, Executive Director, LoanScorecard

    Ralph DeFranco, Chief Economist, Arch Capital Services

    Breakout Session

    Read more Read less

    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.

    Speaker(s)

    Justin Vedder, Executive Vice President, Altisource Portfolio Solutions, Inc.

    Mr. Vedder serves as Chief Operating Officer, Origination Solutions of Altisource. Mr. Vedder is responsible for the growth of Altisource’s Origination Solutions business, which brings together the integrated and consultative products, services and solutions needed by mortgage market participants of all sizes throughout the loan origination and secondary market execution process. Mr. Vedder joined Altisource in 2015 as a part of the acquisition of CastleLine, a leading provider of insurance and risk management services for the mortgage industry. Prior to that he served as an Area Senior Vice President at Arthur J Gallagher & Co. with responsibilities including client relations, sales, and new product development for established products and solutions tailored to address the risks of the mortgage environment for financial institutions, private mortgage bankers, and other mortgage industry participants.

    Ben Wu, Executive Director, LoanScorecard

    Benjamin Wu is executive director of LoanScorecard, a leading provider of automated underwriting and compliance solutions. In this role, he regularly works with clients to assess their current and future needs, helping them apply technology to their credit decision process, to increase reach, mitigate risk and broaden credit availability. Wu has more than 20 years of experience in the mortgage technology industry. At LoanScorecard, he has spearheaded the development of the company’s automated underwriting system, Portfolio Underwriter; product and pricing engine, Pricer1; automated sales distribution system, Portfolio Producer; and QM Findings, the first Qualified Mortgage solution on the market. Wu is also one of the founding members of CalyxSoftware and was instrumental in the conception and execution of some of its core solutions, including Point for Windows, PointCentral and WebCaster. Wu has spoken at numerous industry events and contributed articles to several trade publications, including CUToday, Credit Union Journal, MortgageOrb, Mortgage Banking, and Scotsman Guide. In addition, he was named a 2016 HousingWire Vanguard Award Winner.

    Ralph DeFranco, Chief Economist, Arch Capital Services

    Ralph DeFranco leads the company’s efforts to forecast regional home prices and develop predictive economic models. He is also the author of The Housing and Mortgage Market Review® (HaMMR), a quarterly report on the state of the nation’s housing sector that is based on the findings of the Arch MI Risk Index®. Ralph has both a Ph.D. in Economics and a B.A. from the University of California at Berkeley.

  • Refreshment Break in the Exhibit Area

    Location: Platinum Ballroom Foyer,
    2nd Floor

    Networking Opportunities,

    Refreshment Break

  • Fraud Prevention Track: Mortgage Fraud Threat Landscape 2018

    Location: Platinum Ballroom B-C,
    2nd Floor


    Speaker(s)

    Kip Mendrygal, Partner, Locke Lord LLP

    Jay N. Johnson, Special Agent in Charge, Western Region, Office of the Inspector General, Federal Housing Finance Agency

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division, Federal Bureau of Investigation

    Breakout Session,

    Fraud Prevention Track

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    Hear about the current fraud trends FBI and FHFA field offices are 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.

     

    Speaker(s)

    Kip Mendrygal, Partner, Locke Lord LLP

    Jay N. Johnson, Special Agent in Charge, Western Region, Office of the Inspector General, Federal Housing Finance Agency

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division, Federal Bureau of Investigation

    Christa Lynn Greco is an Intelligence Analyst (IA) with the FBI’s Criminal Investigative Division specializing in mortgage fraud matters with a national threat focus. She participates in numerous government and industry working groups and has authored numerous mortgage fraud-related intelligence reports and case studies. IA Greco has a Master’s of Science in Criminal Justice from the University of Cincinnati and has been with the FBI for 22 years.

  • Loan Quality Assurance Track: Measuring Defect Rates

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

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

    Mary Kladde, Senior Vice President, Mortgage Services, MetaSource LLC

    Nick Volpe, Chief Strategy Officer, ACES Risk Management (ARMCO)

    Jennifer Fountain, Senior Vice President, Due Diligence, Credit Risk Solutions, Part of the Computershare Group

    Breakout Session

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

    Speaker(s)

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

    GWEN MUSE-EVANS is the President and CEO of GME Enterprises, a management consulting firm that provides risk management, operations management and housing finance advisory services to corporate, nonprofit and government clients. During her 25+-year tenure in the financial services industry, Gwen has served in many high-profile executive leadership positions and has successfully implemented risk management platforms to drive effective management of significant risks. She was most recently the Senior Vice President and Chief Risk Officer for the Credit Portfolio Management and Single Family businesses at Fannie Mae where she served from 2001 until 2014.  Gwen was recognized for demonstrating exceptional leadership skills, strategic thinking and the ability to generate consensus for adoption of ideas to enhance risk management practices and fuel proactive change across the organization.  Gwen is a Certified Enterprise Risk Professional, a Certified Project Management Profession and a faculty member of the American Bankers Association’s Risk Management School.

    Mary Kladde, Senior Vice President, Mortgage Services, MetaSource LLC

    Mary Kladde is responsible for the oversight and continued growth of the MetaSource mortgage product and service portfolio. Formerly the CEO of Titan Lenders Corp, Mary has a diverse 27+ years of experience in the operational aspects of the mortgage industry. It is this background that provides her with a keen insight as to what services are needed for individual customers and their prospective business channels. Kladde holds a Bachelor of Arts degree in English with an emphasis in theatre from California State University, Chico.

    Nick Volpe, Chief Strategy Officer, ACES Risk Management (ARMCO)

    Mr. Volpe has over 20 years experience in the mortgage industry providing products to both mortgage lenders and servicers.  He was on the original team at The Murrayhill Company and was integral in pioneering credit risk oversight for mortgage loan securitizations. Before joining ARMCO, Volpe helped established origination and servicing quality control businesses and lead integration teams in multiple acquisitions. Mr. Volpe is a subject matter expert in the mortgage space authoring multiple articles and speaking at industry events. As Chief Strategy Officer at ARMCO, Nick will map the course for future product development, execute corporate initiatives, and work directly with clients to chart market needs. 

    Jennifer Fountain, Senior Vice President, Due Diligence, Credit Risk Solutions, Part of the Computershare Group

    Jennifer has established a progressive career and held broad leadership positions at national due diligence firms, aggregators, banks, and private mortgage banking firms; bringing a culmination of three decades of experience in the mortgage industry to Credit Risk Solutions in 2016. Her experience includes managing originations and due diligence loan level review teams, MI claim functions as well as pre-foreclosure and forensic reviews for various investors.  She has a thorough knowledge of independent third party review requirements, rating agency requirements and CFPB requirements.  Jennifer has also developed multiple training programs for processors and underwriters working with them to advance their careers.

  • Risk Management & Valuation Track: Managing Vendors

    Location: Gold Ballroom 4,
    1st Floor


    Speaker(s)

    Vickie Bourassa, Vice President Quality Control, Colonial Savings FA

    David A. Townsend, Esq. NTP, President/Chief Executive Officer, Agents National Title Insurance

    David J. O’Malley, Director of Loan Quality Solutions, LoanLogics

    Jeffrey Brom, Vice President of Compliance and Risk, Registered In House Counsel, Roostify, Inc.

    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. Experts review current trends in regulatory enforcement and examinations regarding vendor management programs, and covers techniques for aligning your firm's vendor management resources appropriately.

    Speaker(s)

    Vickie Bourassa, Vice President Quality Control, Colonial Savings FA

    Vickie Bourassa is Vice President of Quality Control for Colonial Savings, F.A.  She has been with Colonial in this capacity since 1993, managing the performance of Quality Control reviews of the company’s loan origination and servicing operations.  Vickie has over forty years of experience in the mortgage banking industry that includes management responsibility in both origination and servicing operations.  Vickie has served as Chairperson of the MBA Quality Assurance/Risk Management Subcommittee and has been actively involved in Working Groups on a variety of quality and compliance related issues.  She is a past-president of her local MBA chapter and has served in various capacities with that organization promoting industry involvement in the local community.  Vickie is a graduate of Ohio University with a Bachelor of Arts degree in Government.

    David A. Townsend, Esq. NTP, President/Chief Executive Officer, Agents National Title Insurance

    David A. Townsend is President and CEO of Agents National Title Insurance Company, a subsidiary of Incenter, a Blackstone Portfolio Company.  Mr. Townsend is a graduate of the University of Missouri School of Law and Drury University. He is the Chair of the Title Industry Political Action Committee, a Federal PAC and sits on the Underwriter Executive Committee. David and is a member of the American Bar Association, the Missouri Bar Association, and the US Attorney’s Mortgage Fraud Task Force for the Eastern District of Missouri. Mr. Townsend is the author of the Missouri Bar Insurance Practice Series: “Title Insurance” and the Missouri Bar Journal article “Mechanics Lien Law: Section 429.016 establishes New Notice Requirements.” David was awarded the National Title Professional designation in 2013 by the American Land Title Association. David is married to Kerry Townsend, has one daughter, Blair and one son, Charlie.

    David J. O’Malley, Director of Loan Quality Solutions, LoanLogics

    David J. O’Malley is the Director of Loan Quality Solutions at LoanLogics. He has over 25 years of experience in the financial services industry and is recognized for his expertise in risk management, technology and quality control initiatives.

    Prior to joining LoanLogics, David served as Director of Business Development for Quality Assurance for Kroll Factual Data. He was responsible for creating and then expanding the company’s market share in audit review/outsourcing services.

    Before Kroll, David was one of the founders of the first commercially sold QC systems in our country. He worked with the ACES team for roughly 20 years and eventually as their president.

    David.omalley@loanlogics.com

    www.loanlogics.com

    Jeffrey Brom, Vice President of Compliance and Risk, Registered In House Counsel, Roostify, Inc.

    Jeff Brom is the VP, Risk & Compliance and In-house Counsel for Roostify, a cloud-hosted, digital mortgage collaboration platform. He leads the governance, risk and compliance program and ensures that the critical services offered by Roostify meet and exceed all applicable requirements. Jeff has been in mortgage and FinTech for more than a decade and has broad experience in originations, servicing, default, quality, legal, risk and compliance. 

  • Underwriting and Compliance Track: Construction and Renovation Lending

    Location: Gold Ballroom 3,
    1st Floor


    Speaker(s)

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

    Thomas Tough, Vice President, National Renovation Lending Division, Plaza Home Mortgage, Inc.

    Celia Sanbrano, Manager, Mortgage Operations, Navy Federal Credit Union

    Breakout Session

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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.

    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.

     

    Thomas Tough, Vice President, National Renovation Lending Division, Plaza Home Mortgage, Inc.

    Tom has more than 35 years of residential mortgage banking experience in retail, wholesale and mini-correspondent originations and operations.   He has held management positions with Principal Residential, Capital Commerce, Crossland and KeyCorp.  Tom’s financial industry background includes primary roles with GE, CMAC and PMI  as well as with First American Title in the escrow and title insurance industry.  He has been with Plaza for over 14 years,  opening Plaza’s Regional Loan Center in Portland, Oregon, in 2004, expanding the Northwest Territory and team to include WA, OR, ID, MT, and AK.   In 2018 Tom  was promoted to VP of Plaza’s National Renovation Lending Division to create the division, enhance and expand the Renovation and Construction Lending programs and to oversee  Plaza’s construction draw administration.  Tom holds NMLS license no. 20749 approved in ID, OR, WA and MT and is a FHA Direct Endorsement UW.  He previously held an Oregon RE license and served on the board of the Oregon Association of Mortgage Professionals.

    Celia Sanbrano, Manager, Mortgage Operations, Navy Federal Credit Union

    Celia has over 32 years experience in managing mortgage operations, including processing, closing, underwriting and origination. As an 18 year Navy Federal employee, she has served as manager of mortgage origination's in California and Washington. Celia enjoys training new employees and providing outstanding service to the members of Navy Federal. In her free time Celia enjoys travel and spending time with her family.

  • Closing Super Session:  Top Issues of RMQA18 (Closed to Media)

    Location: Platinum Ballroom D-E,
    2nd Floor


    Speaker(s)

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

    Debra Dunn, Chief Operating Officer, SWBC Mortgage

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division, Federal Bureau of Investigation

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

    General Session

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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!

     

    Speaker(s)

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

    Steve Spies leads Fannie Mae’s Loan Quality Center, including the quality control specialists who partner with lenders to drive loan quality. He develops, implements, and monitors loan quality standards, evaluates the quality of loan deliveries acquisition data, and oversees the effectiveness of lender quality controls.

    Debra Dunn, Chief Operating Officer, SWBC Mortgage

    Debbie oversees credit policy, the quality assurance program, vendor management, the compliance management system, the risk management program, and industry relations. Debbie has more than 30 years of mortgage industry experience that includes originating, processing, closing, underwriting, and post-closing roles in addition to over 25 years as an executive manager. Prior to joining SWBC, she spent more than 20 years with CTX Mortgage Company and Centex Financial Services, holding various positions including Chief Lending Officer and Executive Vice President of Risk, Regulatory, and Industry Relations. As a credit policy and operations expert, she works closely with Quality Control and Regulatory Compliance management to ensure cohesive and responsive processes that are compliant with industry guidelines and scalable to support changing requirements and needs.   Debbie also represents SWBC Mortgage with trade groups, investors, regulators, and agencies. She is an active member of various committees, working groups, and task forces for the Mortgage Bankers Association, she serves on two advisory committees for the GSE’s, and is a member of the State Regulatory Registry Industry Advisory Council.

    Christa Lynn Greco, Intelligence Analyst, Criminal Investigative Division, Federal Bureau of Investigation

    Christa Lynn Greco is an Intelligence Analyst (IA) with the FBI’s Criminal Investigative Division specializing in mortgage fraud matters with a national threat focus. She participates in numerous government and industry working groups and has authored numerous mortgage fraud-related intelligence reports and case studies. IA Greco has a Master’s of Science in Criminal Justice from the University of Cincinnati and has been with the FBI for 22 years.

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

    Jeffrey Bolla was hired as a Program Analyst, Loan Guaranty Service in July 2012.  In this position, Mr. Bolla is responsible for creating and defining loan policy for a nationwide program.  His main focus has been translating CFPB’s policies for use within the VA Home loan program.  Additionally, Mr. Bolla performs MISMO Data updates to VA systems.  He is responsible for ensuring all of the Loan Guaranty Service systems are properly updated to improve the end-user experience for internal and external stakeholders. Prior to coming to VA, Mr. Bolla worked in the mortgage industry for 20 years.  In those years, he worked in various positions, such as a loan processor, loan officer, branch manager, and owning a mortgage company.  He attended Adrain College prior to the Gulf War, when he was called back to active duty.  Mr. Bolla spent 12 years on active duty and as a reservist in the United States Marine Corp, and left at the rank of Staff Sargent.  He currently lives Fairfax, Virgina.