Spring Conference & Expo: Independent Mortgage Banks, Secondary Markets, Servicing and Technology

Schedule

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

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

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Wednesday, April 21, 2021

  • Engagement Session: IMB Unplugged: An MBA Member Event (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

    Tamara King, Vice President of Residential Policy and Member Engagement, Mortgage Bankers Association

    Joe Palank, Assistant Director for Member Engagement, Mortgage Bankers Association

    John Hudson CRMS, EVP, Head of Wholesale Lending, Mortgage Financial Services, LLC

    Christopher Jones, President, Retail Lending, Primary Residential Mortgage, Inc.

    IMB Business Strategy & Operations

    Read more Read less

    Turn on your camera, unmute your audio and meet face-to-face with your peers from the Independent Mortgage Bankers Network to collaborate and debate on some of the most pressing business concerns facing IMBs. In order to attend, you must an employee of a nonbank MBA member company whose dues are based on portfolio volume.  Please add your first and last name and company name into your Zoom profile to be admitted. 

    Speaker(s)

    Tamara King, Vice President of Residential Policy and Member Engagement, Mortgage Bankers Association

    Tamara King is Vice President of Residential Policy and Member Engagement. She helps lead MBA's engagement strategy for the Policy Team with several key member segments. Ms. King oversees MBA's Independent Mortgage Bankers Executive Council and Network, the Community Bank and Credit Union Network, the Warehouse Lenders Executive Council, the Wholesale Lenders Executive Forum, and the Diversity and Inclusion Advisory Council. Prior to her current role, she managed MBA's residential loan production areas where she helped direct the association's policy development on regulatory, legislative, and industry issues.  Tamara has extensive experience in mortgage finance, community development, and state and local governments. Previously, Tamara was a Senior Business Manager for manufactured housing in Fannie Mae's Single-Family Mortgage Business. In this role, Tamara was responsible for developing and managing new initiatives and products, and developing business and strategic relationships with manufactured-housing participants. She also managed the development of several affordable lending products at Fannie Mae. Tamara's other positions have included Vice President of Community Development at HSBC Bank in New York, Director of the New Homes Program at the New York City Housing Partnership, Senior Project Planner in the New York City Mayor's Office of Operations, and Senior Budget Examiner in the New York State Department of the Budget.

    Joe Palank, Assistant Director for Member Engagement, Mortgage Bankers Association

    Joe Palank is Associate Director for Member Engagement at the Mortgage Bankers Association, where he manages the Community Bank and Credit Union Network and Independent Mortgage Bankers Network.  Joe also works with the Warehouse Lenders Executive Council, Wholesale Lenders Executive Forum, and IMB Executive Council, and handles special projects for the Residential Policy & Member Engagement team. Prior to joining MBA, Joe served as the Senior Advance Officer at the US Department of Homeland Security and worked at Living Cities, a non-profit dedicated to reducing poverty in American cities. Joe holds a Bachelor's degree in Psychology from the University of Florida and a Master's degree in Political Management from George Washington University in Washington, DC.

    John Hudson CRMS, EVP, Head of Wholesale Lending, Mortgage Financial Services, LLC

    Christopher Jones, President, Retail Lending, Primary Residential Mortgage, Inc.

    Chris Jones joined PRMI in 2008 following an 11-year career with GE Capital. As President of Retail Lending, Chris leads all aspects of the organization’s retail production channel including oversight of its branch locations nationwide, growth planning and execution, strategy identification and implementation and company communication and engagement. During his professional career, Chris has held positions in Lean Six Sigma Management, Finance Management, Management Consulting and Executive Leadership, utilizing this experience to provide special focus on business growth, operational excellence, process innovation and financial analysis to optimize business performance for both PRMI and its Branch Partners.
    Chris has a degree in Finance from Brigham Young University and MBA from Univ. Utah

  • Engagement Session: Meet the New MBA Mortgage Technology Vendor Working Group (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

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

    Nicole Booth, Executive Vice President, Public Policy, Notarize

    Piper Beveridge, Vice President, Strategic Relations, ICE Mortgage Technology

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    MBA’s Mortgage Technology Vendor Working Group provides an open, inclusive and collaborative forum for innovative product vendors to discuss topics of mutual interest. All are welcome to join this interactive session to discuss timely topics such as data protection. Come in to actively join the discussion or just learn what the tech vendor group is all about!

    Speaker(s)

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

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

    Nicole Booth, Executive Vice President, Public Policy, Notarize

    Nicole Booth serves as Executive Vice President of Public Affairs at Notarize. Nicole leads the organization’s efforts to build and maintain trust and support among external audiences, including government affairs, industry relations and community engagement. She joined Notarize in August 2020. Prior to Notarize, Nicole was a vice president in Government Affairs at Quicken Loans and Rock Family of Companies and a member of the K&L Gates Public Policy and Law Practice in Washington, D.C. Nicole also spent time on Capitol Hill working on legislative issues in the personal office of former Ways and Means Committee Chairman Dave Camp and former New Hampshire Congressman Jeb Bradley. Nicole was awarded the Five Star Institute Rising Business Leader Award.

    Piper Beveridge, Vice President, Strategic Relations, ICE Mortgage Technology

  • Engagement Session: Servicers-Only Roundtable An MBA Member Event (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

    Candace Russell, Vice President, Post Sale, Carrington Mortgage Services, LLC

    Shayna Arrington, Chief Compliance Officer, The Money Source Inc.

    Jason Lane, Senior Vice President, MidFirst Bank

    Sara Singhas AMP, Director, Loan Administration, Mortgage Bankers Association

    Brendan Kelleher, Director, Public Policy and External Affairs, Quicken Loans LLC

    Servicing Solutions

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    Join us for an opportunity to engage with your industry peers to exchange ideas and best practices. Through facilitated breakout group discussions in Zoom, you can hear how others are dealing with the same servicing issues you’re facing.
    In order to attend, you must be:
    -A servicing executive (manager or above)
    -With an MBA member company whose dues are based on servicing portfolio volume

    Speaker(s)

    Candace Russell, Vice President, Post Sale, Carrington Mortgage Services, LLC

    Candace Russell is Vice President of Post Sale at Carrington Mortgage Services. She leads CMS’s efforts managing default inventory as well as reducing enterprise risk factors. With a proven record of effectively managing property preservation, conveyance, eviction, title, and risk management. Her experience in the mortgage industry is broad: covering originations, performing loans, loss mitigation, foreclosure, claims and risk management. Candace is currently the Chair for the MBA’s Loan Administration Committee. As a passion project she runs a women and minority leadership group, UR:Represented. When time allows she enjoys roller derby and attempting to play the banjo.

    Shayna Arrington, Chief Compliance Officer, The Money Source Inc.

    As the Chief Compliance Officer at The Money Source Inc. (TMS), Shayna oversees compliance across all business channels, including Correspondent, Servicing, Subservicing, and formerly the company’s Retail and Wholesale Origination Channels. This includes oversight of company legal and regulatory compliance, change management, client management, quality control, compliance testing, licensing and examinations. Before joining TMS, Shayna worked at a mortgage banking focused law firm where she served as outside compliance counsel to a variety of lenders and servicers. She has extensive government and regulatory experience, including time at the Department of Housing and Urban Development and the Department of Justice.

    Jason Lane, Senior Vice President, MidFirst Bank

    Jason Lane serves as Senior Vice President for Midland Mortgage, a division of MidFirst Bank. Currently, he leads MidFirst’s policy team and oversees servicing transfers.  He has served MidFirst’s mortgage banking unit for over 18 years. He currently serves as Chair of MBA’s Government Loan Servicing Subcommittee and is the 2021 Chair of the Loan Administration Committee.   He is a graduate of the University of Oklahoma where he received both Bachelor of Science and Masters of Business Administration degrees. 

    Sara Singhas AMP, Director, Loan Administration, Mortgage Bankers Association

    Brendan Kelleher, Director, Public Policy and External Affairs, Quicken Loans LLC

    Brendan is Director for Public Policy and External Affairs at Quicken Loans. In this role, he coordinates the Quicken Loans position on mission-critical public policy issues, particularly servicing policy. IBrendan leads all third-party stakeholder outreach efforts, including trade associations and consumer advocacy. He also develops and executes strategic plans to advocate for critical policy issues, including policymaker messaging, third-party coalitions, and other tactics. Brendan currently serves as the 2021 Vice-Chair of the Loan Administration Committee.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Visit with the tech providers you just saw in the Tech Showcase or other exhibitors, enjoy a session you missed earlier on demand, attend an Engagement Session or use this time to set up your own one-on-one meetings with other attendees. It’s your time to use your way.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Marcia M. Davies, mPower Founder and Chief Operating Officer, MBA interviews Christy Moss, CMB, Director of Partner Relations, FormFree.

  • mPower: Communication Lessons Learned During the Pandemic

    Location: Main Stage


    Speaker(s)

    Ruth Sherman, Executive Speech Coach and Celebrity Media Trainer

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

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Markets and companies have confidence in leaders who communicate clearly and exude charisma. The pandemic has made virtual communication the default, and has led to new challenges and discomfort for both genders. It’s natural to retreat to old habits that don't serve women leaders well.

    Like pre-pandemic, women must exhibit powerful presence and command attention whatever the virtual situation – board meetings, presentations, or 1:1 – not only by what they say, but how they look, sound, and move. In this dynamic presentation, CEO & Celebrity communications consultant, speaker, and author Ruth Sherman teaches us to show up confidently on-camera and become recognized as a force; engage virtual audiences with strategic use of storytelling and other techniques; positively and irrevocably influence stakeholders of all kinds; and manage the exhaustion that accompanies all-day video-conferencing with some simple tweaks. Opening remarks by mPower founder, Marcia Davies.

    Speaker(s)

    Ruth Sherman, Executive Speech Coach and Celebrity Media Trainer

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

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

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

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less


    Join mPower speaker, Ruth Sherman on the HUB Stage for a discussion of her books: Get Them to See it Your Way, Right Away and Speakrets.

  • IMB Business Strategy & Operations Track: Making Fair Lending Work for You

    Location: Breakouts


    Speaker(s)

    Owen Lee, Chief Executive Officer, Success Mortgage Partners, Inc.

    Laird Nossuli, Chief Executive Officer, iEmergent

    Jonice Gray Tucker, Partner, Buckley LLP

    IMB Business Strategy & Operations

    Read more Read less

    Gain practical ideas on how to manage Fair Lending risk and seize opportunities that contributes to your bottom line. Learn the latest in Fair Lending and redlining regulatory actions, how to stay compliant, and how to position your company to maximize its lending opportunities in 2021.

    Speaker(s)

    Owen Lee, Chief Executive Officer, Success Mortgage Partners, Inc.

    Owen Lee is the Chief Executive Officer of Success Mortgage Partners, Inc. (“SMP”). SMP is an independent mortgage bank headquartered in Plymouth, Michigan and operating in 29 states and the District of Columbia. Owen originally founded the company in 2002 with his father, Vincent. Owen is also the Managing Member of Title Partners, LLC., a full-service title insurance agency and settlement services company. Owen graduated with a BA in Political Science from Villanova University in 1992 and a Juris Doctorate from Michigan State University in 1996.  wen is a proud member of the following organizations: State Bar of Michigan; Massachusetts Bar Association; Mortgage Bankers Association; Michigan Mortgage Lenders Association; The American Land Title Association; and the National Reverse Mortgage Lenders Association. Owen currently serves on the Independent Mortgage Bankers Executive Council, the Board of Directors for the Mortgage Bankers Association and also serves as a Director for Camp Sweeney, a summer camp for children with Type I Diabetes.

    Laird Nossuli, Chief Executive Officer, iEmergent

    Laird Nossuli is the CEO of iEmergent, a leading provider of analytics, and strategic advisory services for the housing industry.  She leads the company’s product and growth strategies, with a special focus on innovative solutions that empower lenders to improve their lending with diverse and under-served borrowers.  Her professional experience in mortgage strategy, analytics, and community development along with advanced degrees in social work, make Laird uniquely positioned to help iEmergent’s clients better serve their communities, while also increasing their market share. Laird contributes to many industry publications and frequently speaks on topics of mortgage market opportunity, affordable housing, and diverse lending.

    Jonice Gray Tucker, Partner, Buckley LLP

    Jonice is a founding partner with Buckley LLP and a governing board member. She works with banks and other companies providing financial products and services.  Jonice’s practice focuses on escalated supervision matters, investigations, and enforcement actions. She also advises on compliance with financial services laws, conducts internal investigations, and handles complex civil litigation. Jonice is recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation and in Super Lawyers , Best Lawyers, and Legal 500. She has received MCCA’s Rainmaker Award and has been recognized by Savoy as one of the nation’s Most Influential Black Lawyers. Jonice is the Immediate Past Chair of the American Bar Association’s Banking Law Committee. She attended Yale Law School.

  • Secondary & Capital Markets Track: Moving from the Cash Window to MBS Swaps

    Location: Breakouts


    Speaker(s)

    Seth Sprague, CMB, Principal, STRATMOR Group

    Philip Rasori, Chief Operating Officer, Mortgage Capital Trading, Inc.

    Julie Messina, CMB, Vice President and Secondary Marketing Manager, LHM Financial Corporation dba CNN Mortgage

    Mike Riley, Leader, Hedge Advisory Team, SitusAMC

    Secondary & Capital Markets

    Read more Read less

    For GSE approved lenders a key decision point is to deliver loans to Fannie Mae or Freddie Mac, through the cash window or through MBS swaps. With the recent changes to the agreements governing GSE conservatorship, lenders are limited to $1.5 billion in annual cash window sales to each GSE beginning next year. For many companies, this will require a shift to greater use of MBS swaps. In this session, capital markets experts provide the new requirements and discuss the steps to take to be ready.

    Speaker(s)

    Seth Sprague, CMB, Principal, STRATMOR Group

    Seth Sprague joined STRATMOR Group as a Principal early in 2019 with more than 20 years of mortgage banking and servicing valuation experience. Seth specializes in mortgage servicing rights (MSRs), servicing, cash flows, liquidity and mortgage profitability strategies.  Prior to joining STRATMOR, Seth served as EVP of Trading & Analytics at PHOENIX, an advisory firm for MSR and whole loan trading, mortgage services and analytics. His primary responsibilities at Phoenix included managing bulk and flow MSR transactions and strategic valuation solutions to meet the needs of PHOENIX clients. Additionally, Seth served as Senior Vice President—Servicing Asset Manager at SunTrust Mortgage for more than 10 years, where he led the servicing rights valuation team.  In 2020/2021, Seth will serve as Chair as the MBA’s Certified Mortgage Banker (CMB) Society and serves on several committees with the Mortgage Bankers Association (MBA) including the Financial Management Steering Committee, MBA’s Servicing Council for the 21st Century, MBA’s BASEL III and the Servicing Compensation Working Group. Seth is a frequent speaker at various MBA and other industry conferences, often speaking on liquidity and the overall challenges present in the mortgage industry. An instructor with the MBA’s School of Mortgage Banking (SOMB) program since 2007, Seth teaches “Servicing/MSR Day” and is an instructor for the MBA School of Mortgage Servicing. Seth also teaches “The Secondary Market” for NAMMBA (The National Association of Minority Mortgage Bankers of America).

    Philip Rasori, Chief Operating Officer, Mortgage Capital Trading, Inc.

    Mr. Rasori is a recognized thought-leader in capital markets operations within the mortgage banking community. His areas of expertise include complex financial modeling, computational dynamics, and linear programming for operational optimization. He developed the ground-breaking mortgage pipeline hedging algorithms that form the foundation of MCT’s HALO Program today. He has also pioneered several metrics that have become standard industry parlance, including “beta pull-through” factors. In addition to banking clients, Mr. Rasori has consulted with GSE agencies and the US Government on hedging best practices for community banks. Mr. Rasori has functionally led MCT operations since 2005 and ascended to his current role as COO in 2007.

    Julie Messina, CMB, Vice President and Secondary Marketing Manager, LHM Financial Corporation dba CNN Mortgage

    Julie Messina is the Secondary Marketing Manager and Vice President at Scottsdale, AZ corporate office. She has over 40 years of industry experience in the pricing, sale, and delivery of mortgages to the Secondary Market. During the first ten years of her career, Julie worked in various Secondary Market and Investor Servicing roles for Banks and Savings Institutions. In 2006 Julie joined LHM Financial Corporation, and is now responsible for leading, managing, and directing its secondary market initiatives. She currently oversees the Hiring, Managing, and Professional Development of Secondary Marketing Department Staff, Product Development, Loan Sales, Hedging, Investor Relations, Pricing strategies, Buy-Sell strategy, and MSR evaluation, and Development and Growth of LHM Financials’ Loan Servicing Portfolio.

    Mike Riley, Leader, Hedge Advisory Team, SitusAMC

    Mike Riley leads the operations of SitusAMC’s Hedge Advisory team. In this capacity, he oversees a team of analysts and Investment Advisor Representatives focused on stochastic rate modeling and hedge analytics. He has 14 years of experience hedging MSRs, whole loans and rate locks. Mike earned a Master’s degree in Mathematics from Tufts University.

  • Servicing Solutions Track: Borrower Outreach and Communication

    Location: Breakouts


    Speaker(s)

    Patrick DellaValle, Director, Financial Services, Guidehouse

    Marcia Griffin, Founder and President, HomeFree USA

    Faith Schwartz, President, Housing Finance Strategies, LLC

    Gregory Goyne, Senior Vice President, Brand, Mr. Cooper

    Riham El-Lakany, Vice President and Chief Marketing and Communications Officer, Single Family, Freddie Mac

    Sandra Almanzan, Director, Single-Family Community Lending, Fannie Mae

    Servicing Solutions

    Read more Read less

    Despite the ease of obtaining forbearance assistance under the CARES Act, some struggling borrowers do not request assistance or respond to servicer contact requests. Learn which communication strategies are most effective at reaching borrowers and how servicers can better tailor their outreach efforts to reach those most at-risk.

    Speaker(s)

    Patrick DellaValle, Director, Financial Services, Guidehouse

    Patrick is a director in Guidehouse’s Financial Services Advisory and Compliance practice. He has more than nine years of experience in Financial Services with a focus on the residential mortgage sector. As a Vice President at RoundPoint Financial Group, Patrick was an integral component of building a residential mortgage special servicing, origination and capital markets platform from a start up to $3.5Bn in Servicing. At RoundPoint, he created financial models to value residential mortgage loans for acquisition and support loss mitigation and management analytics, designed and implemented portfolio management strategies, and helped optimize servicing policies and procedures to ensure maximum return for investors and adherence to regulatory guidelines and programs.  Prior to RoundPoint, Patrick, worked at SunTrust Capital Markets as the lead structurer on their MBS/ABS desk. He has experience structuring and evaluating a wide variety of whole loans and asset backed securities including Prime, Alt-A, and Sub-Prime MBS, Credit Cards, Auto Loans, and ABCP. He has also worked at Deloitte &Touche, LLP in their Securitization Group and at Financial Security Assurance

    Marcia Griffin, Founder and President, HomeFree USA

    Marcia Griffin is on a mission to financially strengthen people and elevate homeownership success for people of color across America. As founder and president of HomeFree-USA, Marcia has helped thousands to save, keep and get more money through Homeownership, which she feels is the key to long term wealth for all people. HomeFree-USA enjoys a remarkable 0% foreclosure rate among families that have participated in the organization’s pre- and post-purchase program. Serving as a bridge between financial institutions and the community, Marcia addresses the needs of homebuyers and homeowners with targeted education, distinctive marketing strategies and unique lender products. A recognized homeownership expert and frequent guest speaker, Marcia is a member of the Freddie Mac Affordable Housing Advisory Committee, the Fannie Mae Affordable Housing Advisory Committee, the Ocwen Financial Community Advisory Council, America’s Homeowner Alliance, Wells Fargo Housing Foundation Committee, the Advisory Council of the Federal Home Loan Bank of Atlanta, the Mortgage Bankers Association’s Council and the Quicken Advisory Council. Recently HomeFree-USA launched the Center for Financial Advancement at Historically Black Colleges and Universities (HBCUs). Our goal is to introduce students to the mortgage industry and advance homeownership as an important goal for parents, faculty and inner city residents. Most importantly, HomeFree-USA will expand diversity in mortgage finance and increase homeownership in diverse communities. Marcia is a tireless advocate for nonprofit leaders and for disadvantaged people everywhere. Under her leadership, HomeFree-USA funds and strengthens the capacity of 53 other nonprofits that represent the interests of 4.5 million diverse families across the country.

    Faith Schwartz, President, Housing Finance Strategies, LLC

    Recognized and accomplished industry leader, Faith Schwartz founded Housing Finance Strategies in 2016 to leverage her decades of industry leadership and mortgage experience to modernize the housing finance system. Her work and passion for building out the future of mortgage finance includes advisory services, board memberships and strategy roles in growing organizations. Housing Finance Strategies clients include publicly traded financial services firms, trade associations, Fintechs and non-profits.  Schwartz also advises a Los Angeles, CA based real estate Development Company which owns more than 30 multifamily properties, offering housing and social services for the homeless in the state of California. In times of crisis, Faith has been sought out to create nonpartisan solutions for challenging issues. Over the last 10 months Faith has spearheaded the development and roll-out of the NOT OK? THAT’s OK COVID-19 mortgage forbearance borrower awareness campaign. This ongoing initiative includes more than 50 mortgage servicers and over 100 housing counselors. Similarly in 2008, government, industry and trade associations rallied around Faith’s HOPE NOW alliance that saved millions of American families from losing their homes to foreclosure. Throughout her leadership of HOPE NOW, Schwartz testified before Congress, the Federal Reserve and was a frequent spokesperson on TV, Radio and in print media. In the nation’s most perilous housing crisis, Faith drove opposing interests to reasonable consensus and created the framework for today’s suite of loss mitigation activities.  Thematic centerpieces of Faith’s current work include entreating private capital tools and strategies for the mortgage process of tomorrow while fostering diverse and inclusive business practices for women executives. Earlier in her career, Faith held leadership roles at TMC mortgage, CoreLogic, Freddie Mac, H&R Block and Option One. She started her career at Dominion Bancshares Mortgage Company as Vice President of Capital Markets and Wholesale Lending. Today, Schwartz sits on the following Boards: Gateway First Bank, RiskSpan, Inc., FormFree®, Class Valuation and FundingShield, LLC. Faith is also a Trustee to Saint Anselm’s Abbey School in Washington DC. Notably, Faith received the Housing Wire Vanguard award in 2018 and was recognized as one of Mortgage Banking’s most powerful women from National Mortgage Magazine 2018.  Other awards include Housing Wire’s Women of Influence in 2012, a leadership star award from the Financial Services Roundtable for leading HOPE NOW and a lifetime achievement award from the Five Star Institute.    Faith holds a BSBA in Accounting from Shippensburg State College and an MBA with a Finance concentration from the University of Pittsburgh.

    Gregory Goyne, Senior Vice President, Brand, Mr. Cooper

    Greg Goyne serves as Senior Vice President of Brand at Mr. Cooper Group. Greg joined Nationstar in 2015 and led the company’s efforts to transform itself, beginning by defining a new brand promise with the goal of providing an improved customer experience and greater customer loyalty. A firm believer that great brands are built from the inside out, Greg is accountable for driving our core values deep into the company culture, transforming customer relationships and optimizing the customer experience, one touch at a time. Over the course of his career, Greg has led the development and execution of integrated marketing programs for a wide variety of blue-chip brands in healthcare, technology, hospitality, retail, consumer packaged goods, consumer durable goods, real estate, media, fashion and non-profit categories, including blue-chip brands such as McDonald’s, Heinz, Kraft, Nokia, Huawei, MADD, Centex Homes, FedEx, Motel 6, Red Roof Inns, Sonic Drive-Ins, Brinker and Darden restaurants. Greg earned his Bachelor of Arts followed by an M.B.A. in brand management, both from the University of North Carolina in Chapel Hill.

    Riham El-Lakany, Vice President and Chief Marketing and Communications Officer, Single Family, Freddie Mac

    Riham El-Lakany is vice president and chief marketing and communications officer for Freddie Mac’s Single-Family business. In her role, she is responsible for developing and leading marketing and communications strategies. Her primary goal is engaging clients and colleagues in support of Freddie Mac’s mission to preserve homeownership across America, help potential homeowners and advance positive industry change. Ms. El-Lakany oversees marketing and communications, including brand, digital, sales enablement, and learning and development as well as external and internal communications. A 20-year financial services industry veteran, she has held leadership positions in marketing, communications and business development at AIG, Zurich, Prudential and Marsh & McLennan. Prior to her financial services career, she worked in the nonprofit sector at the Ford Foundation and the Women's Environment & Development Organization (WEDO). She holds a Bachelor of Arts summa cum laude in economics and international relations from The American University in Cairo, and a Master of Arts magna cum laude in economics from New York University.

    Sandra Almanzan, Director, Single-Family Community Lending, Fannie Mae

    Sandra Sánchez Almanzán is a Director within the Single-Family Community Lending Organization at Fannie where she leads a team of professionals that is focused on community access and engagement, Access to Credit, Duties to Serve, national outreach as it relates to Fannie Mae’s book of business.  Ms. Almanzán provides overall market leadership to coordinate strategic activities and to oversee the opportunities for Fannie Mae nationally.  Almanzan has been with Fannie Mae over 20 years and has held a variety of positions within the organization during her tenure with the company. Before her current position at Fannie, Ms. Almanzán was the Director of Duties to Serve Initiatives in the Housing and Community Development Division of the Corporation.  In addition, she was also the Border Region Community Business Center (CBC) Director which covered the markets between El Paso and Brownsville, Texas.  In that position she increased affordable homeownership and rental housing opportunities for low-, moderate-, and middle-income families through partnerships with lenders, local governments, and other organizations. Prior to joining Fannie Mae in 1999, Ms. Almanzán served as the Public Policy Director at the Greater El Paso Chamber of Commerce where she worked to advocate and advance the membership’s agenda of priorities to local, state, and federal officials.  She also spent several years working with the Center for Sustainable Neighborhoods at the University of Texas at El Paso, a grant program that partnered students with El Paso nonprofits involved in the development of affordable housing to provide them with service-learning opportunities. Sánchez Almanzán’s passion for serving underserved communities is the highlight of her career. Sánchez Almanzán has served as President of the Board of Directors for the Foundation of the Catholic Diocese of El Paso and the YWCA of Paso del Norte and Loretto Academy.  She has served as a member of the board of directors of The Paso del Norte Foundation and Kids Excel. She has a Bachelor of Science degree in Business Administration from St. Mary’s University and a Master Degree in Public Administration from the University of Texas at El Paso.

  • Tech Solutions Track: Security Case Studies

    Location: Breakouts


    Speaker(s)

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

    John-Thomas Gaietto, Executive Director, Cybersecurity Services, Richey May & Co., LLP

    Tech Solutions

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    Recent high profile security events at critical entities have put us on notice that we are always at risk from bad actors. From events such as Solar Winds to the breach of our water supply infrastructure, we can learn what they mean for the mortgage industry. Industry experts will discuss how these events occurred and the implications for 3rd party risk, systems monitoring, and basic security hygiene.

    Speaker(s)

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

    Tom Clerici currently serves as Executive Vice President and Chief Technology Officer/Chief Information Security Officer at Freedom Mortgage Corporation.  In this role, he leads all technology operations, infrastructure, end user computing, telecommunications, governance and cyber security services across Freedom’s enterprise information systems supporting over 15K global users, over $100B in annual origination and 1.5M loans. Prior to his time at Freedom Mortgage, Tom served as the cyber security practice director for Arraya Solutions, where he built the line of business responsible for providing cyber security consulting, solutions and managed services to customers across financial, healthcare, education, manufacturing and other industry verticals.  Additionally, he served as a captain in the United States Air Force specializing in cyber warfare and communications including assignments in the United States, Korea, Qatar and Afghanistan.  His awards and decorations include the Bronze Star Medal, Air Force Commendation Medal, and Air Force Achievement Medal.

    John-Thomas Gaietto, Executive Director, Cybersecurity Services, Richey May & Co., LLP

    John-Thomas Gaietto has nearly 20 years of experience providing enterprise information security and risk management services to a variety of organizations, with a focus on the financial services industry. He has a proven track record of collaborating with senior leadership to improve productivity and business alignment while maintaining security and regulatory compliance.  JT’s vast expertise includes developing security strategies based on organizational risk, oversight of security operations, incident response, third-party risk management, disaster recovery, building and leading high-performing Information Security teams, and government due diligence oversight. His experience touches numerous compliance verticals, such as PCI-DSS, Sarbanes-Oxley, HIPAA, GLBA, FISMA, PIPEDA, New York State Department of Financial Services Data Security and GDPR.  Prior to joining Richey May, JT was the Director of Information Security for SquareTwo Financial. In this role, he was responsible for developing a comprehensive security program, policies and standards for operations in the highly-regulated financial services industry.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Differentiate your business when you can offer the only MI buydown tool available. Leverage all buyer, seller, builder and Realtor® concessions to create custom monthly MI premium payments, with no more money left on the table. 

  • Engagement Session: Climate Change: Executive Roundtable on the Risk Impact for Mortgage Servicing (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

    Howard Botts, Chief Scientist, CoreLogic

    Sapan Bafna AMP, Senior Leader, CondoSafe / Advanced Delivery Engines, CoreLogic

    Lane Cooper, Executive Director, Mindshare Capture Consulting

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Policy makers, regulators and companies are re-evaluating existing operational assumptions to determine if new decision-making processes are needed as volatility associated with climate change alters the nature of how risks to residential properties and servicing portfolios are assessed. Join scientific and business experts from CoreLogic and senior industry leaders with significant mortgage servicing portfolios for an interactive executive roundtable discussion on the short-, mid-, and long-term implications of climate change. Add your name and company to your Zoom profile, turn on your camera and mic and join in the conversation!

    Speaker(s)

    Howard Botts, Chief Scientist, CoreLogic

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

    Sapan Bafna AMP, Senior Leader, CondoSafe / Advanced Delivery Engines, CoreLogic

    Sapan Bafna currently serves as senior leader, Advanced Delivery Engines at CoreLogic. His team, part of the Property Intelligence & Risk Management Solutions division, develops lean processes, data and agile technology to improve products at CoreLogic. He joined the company in 2004 to focus on various process engineering and business development roles. He joined the company in 2004 to focus on various process engineering and business development roles. Sapan’s areas of responsibility include opportunity identification, quick prototyping, solution development, operational execution, and MindBox – the workflow automation and artificial intelligence platform for Advanced Delivery Engines. Sapan is a graduate of DA University in India with a Bachelor’s degree in finance as well as a Master’s

    Lane Cooper, Executive Director, Mindshare Capture Consulting

    Lane Cooper is the Executive Director of Mindshare Capture Consulting. He has over 30 years of experience as a communications executive, consultant, researcher, editor and reporter analyzing the business and technology industry.

    Lane is the Editorial Director of BizTechReports, an independent reporting agency that covers the industry analyst community and a Contributing Editor to CIO.com, CSO.com, Network World and Computerworld. In this capacity, Lane meets with over 600 senior technology leaders -- including CIOs, CTOs, VPs and Directors -- every year moderating executive events that discuss emerging digital transformation developments.

  • Engagement Session: MBA Advocacy - Pizza and Political Update (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

    Bill Killmer, Mortgage Bankers Association

    Alden Knowlton, Mortgage Bankers Association

    Marti Mongiello

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Join us for a “Pizza & Politics” event with former White House Chef, Marti Mongiello, and find out what’s cooking in Congress! Attend our virtual, interactive pizza making class while merging history of our industry and with a dynamic policy and political update from subject matter experts on MBA’s Legislative & Political Affairs team. This fun and unique experience will be one you won’t want to miss!
    Recipes found at: www.the innofthepatriots.com/recipes.

    Speaker(s)

    Bill Killmer, Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of nearly twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry’s legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA’s outreach to Congress, as well as other key political advocacy efforts. Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB). During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach. He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration. Killmer holds a Bachelor's degree in Business Administration (BBA) with a concentration in Finance/Economics from Baylor University.

    Alden Knowlton, Mortgage Bankers Association

    Marti Mongiello

    Marti is a former White House Chef and General Manager of the Camp David Resort and Conference Center and retired from the US military with service on three continents of wars. He provides  luncheons and dinners for the Republican Party, Democratic Party, and all groups as a non-partisan and worked for the White House Military Office (WHMO) and with the White House Communications Agency (WHCA), Marine One, HMX-1, and Air Force One.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Visit with our exhibitors, enjoy a session you missed earlier on demand, or use this time to set up your own one-on-one meetings with other attendees. It’s your time to use your way.

Thursday, April 22, 2021

  • Information Desk

    Location: Lobby

    Read more Read less

    You have questions, we have answers. Stop in for a live chat to have questions answered about the Spring Conference & Expo, watch a video about this year’s virtual experience, and more!

  • Visit the Exhibitors

    Location: THE HUB

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Meet your peers from across the country in MBA's Virtual HUB for special events including opportunities to virtually network with other attendees in small groups, learn about the latest products and services by visiting with exhibitors through live chat and video calls, plus other special features! Check out the HUB Book Club, take an exercise break with MBA on the Move, and more.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Enter the lounge to attend a scheduled meeting, request a meeting, or chat live with a variety of meeting hosts. Hosts include Altisource, PHH Mortgage, VantageScore Solutions, and more!

  • Visit the Sponsors

    Location: Sponsor Gallery

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Join us in thanking the sponsors of the Spring Conference & Expo. We are grateful for their generous support.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Visit with our exhibitors, enjoy a session you missed earlier on demand, or use this time to set up your own one-on-one meetings with other attendees. It’s your time to use your way.

  • MBA on the Move - Stretch

    Location: HUB Stage

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Take 10 and stretch for better health and well-being! MBA's wellness coach walks you through simple stretches you can do right from your office for better mobility

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    The Total Experience Platform unifies data, marketing, sales, and compliance solutions to provide a cohesive experience across the customer lifecycle. The platform turns customer insights into actions to increase loyalty and drive growth for mortgage lenders. 

  • IMB Business Strategy & Operations Track: Remote Work in a Post-Vaccine World

    Location: Breakouts


    Speaker(s)

    Julie Piepho, CMB, AMP, CML, President, Consumer Banking, Adams Bank and Trust

    Sharyn Torrisi-Cartwright, Vice President, Human Resources, Pulte Mortgage LLC

    Melissa Koupal, Senior Vice President, Loan Integrity, loanDepot.com, LLC

    Casey Cunningham, Chief Executive Officer & Founder, XINNIX, Inc.

    IMB Business Strategy & Operations

    Read more Read less

    This interactive session with live polling will address specific concerns IMBs share about the new world of work, once COVID-19 is a problem of the past. Experts will examine hiring and onboarding issues, managing culture, training challenges, evaluating office space, and other issues, while giving their best analysis of how we will manage on the other side. Learn from peers’ practices that have worked and those that they will leave behind.

    Speaker(s)

    Julie Piepho, CMB, AMP, CML, President, Consumer Banking, Adams Bank and Trust

    Julie Piepho, AMP, CMB, is President of Consumer Lending for Adams Bank & Trust.    She graduated from the University of Wyoming with a Bachelor of Science in Finance and holds the prestigious Master Certified Mortgage Banker designation from the Mortgage Bankers Association.  Julie has over four decades of experience in the mortgage industry including executive positions with Cornerstone Mortgage, Norwest Mortgage and Wells Fargo Mortgage, along with managing several Colorado and Wyoming mortgage bank divisions while coaching and leading sales and operations teams.  She successfully owns a consulting company, Milestone Leadership Consulting, which coaches companies and individuals to reach levels of unprecedented levels of success.  She is past chairman of the Colorado Board of Mortgage Loan Originators where she was appointed by the governor for a 6-year term.  Julie was a member of the Board of Directors for the Mortgage Bankers of America (MBA), past chairman of the Residential Board of Governors (RESBOG), and is the MBA Colorado State Ambassador along with participation in MORPAC, MAA and the State and Legislative Regulatory and Investment and Pension Committees for MBA.  Julie is Secretary of the CMB Society.    She is past chairman of the Colorado Mortgage Lenders Association and currently serves as Vice-President for the Board of Governors.  She is a board member of The Mortgage Collaborative.   She also serves as a Board Member and Capital Campaign Vice-Chair for Animal Friends Alliance in Fort Collins, CO. Piepho has been honored with many awards.  She has been honored by MBA with the Andrew D. Woodside Distinguished Service Award in 2017, along with the Schumacher-Bolduc Award for service to MORPAC in 2013. In 2018 Housing Wire honored her as a Women of Influence.  She was honored as a Woman of Vision by the Northern Colorado Women of Influence in 2017.  Additionally, she was honored by the Northern Colorado Business Report as a Woman of Distinction, and by the Colorado Mortgage Lenders Association for the E. Michael Rosser Lifetime Achievement Award for those that personify high principles, ethics and professional values, among other awards. She has been quoted as a subject matter expert for the mortgage industry in 3 books:  History of Mortgage Banking in the West by Mike Rosser and Diane Sanders; Strategically Transforming the Mortgage Banking Industry by James M. Deitch CPA, CMB along with his second book Digitally Transforming the Mortgage Banking Industry.

    Sharyn Torrisi-Cartwright, Vice President, Human Resources, Pulte Mortgage LLC

    Sharyn Torrisi-Cartwright is the Vice President of Human Resources for Pulte Mortgage.  She has been employed with Pulte for 16 years.  In her role, she is responsible for leading her team   supporting all aspects of HR and the business including talent acquisition, performance management, organizational planning and development, employee relations and compensation.   Sharyn led the process to create a core set of values “ Ignite the Spark”  for Pulte Mortgage that inform all key people decisions and is very involved in the company strategy around New Ways to Work.  Sharyn believes that everyone has a voice and differences are what create the true value in an organization.  She is also a certified StrengthsFinder coach and is committed to driving success through the strengths within her organization.

    Melissa Koupal, Senior Vice President, Loan Integrity, loanDepot.com, LLC

    Melissa Koupal is the Senior Vice President of Loan Integrity for loanDepot.com, LLC, a full-service direct lender headquartered in Foothill Ranch, California since the company launched in 2009. In this position, she oversees the compliance management system, servicing mortgage compliance, licensing, consumer complaints, compliance quality control and regulatory examinations and enforcement matters for all channels of loanDepot. The company currently holds more than 18,000 corporate and loan officer licenses across all 50 states and the District of Columbia. Since 2008, Koupal has owned and led Reglist which is comprised of more than 1,900 mortgage compliance professionals specializing in the areas of compliance and legal issues in the residential mortgage field. Reglist was established more than 10 years ago and its participants include a wide variety of experts. In this role, Koupal is responsible for the coordination of conferences, networking groups, maintaining regulatory updates and overall management of the group. Previously, Koupal owned her own compliance consulting firm, License To Lend. She is a frequent speaker at industry conferences including the Mortgage Bankers Association and NMLS. Also, she currently serves as the Chair for the MBA State Legislative and Regulatory Committee, formerly was Chair of the MBA Regulatory Compliance Committee and participates in the Industry Working Group for the NMLS. 

    Casey Cunningham, Chief Executive Officer & Founder, XINNIX, Inc.

    With more than 35 years of mortgage experience, Casey is one of the most influential visionaries in the industry today. In 2002, she founded XINNIX, the premier sales, operations and leadership development academy providing training, coaching and accountability for the nation’s top mortgage lenders. For nearly two decades, Casey has fostered a culture of excellence that has attracted a diverse team with deep knowledge of the industry to join XINNIX. To date, the company boasts a total of 25 awards, 22 of which are for the company’s culture, including “Atlanta’s Best Places to Work” and “Best and Brightest Companies to Work for in the Nation.” Casey has been recognized as one of “Atlanta’s Most Influential Female Business Owners” by the Atlanta Women's Pacesetters, a “Top Female Entrepreneur” by Atlanta Woman Magazine and a “Roaring Twenty” award winner by the National Association of Women in Real Estate Business. In 2018, Casey was named for the second time as a “HousingWire Woman of Influence.” In addition to leading a thriving company, Casey is a sought-after national keynote speaker whose extensive knowledge and experience allows her to inspire and enrich others by speaking first-hand about leadership and business growth.

  • Secondary & Capital Markets Track: Valuations and Liquidity in the MSR Market

    Location: Breakouts


    Speaker(s)

    Tom Piercy, President, National Enterprise Business Development, Incenter, LLC

    Alan Qureshi, Managing Partner, Blue Water Financial Technologies

    John Britti, Chief Investment Officer and Executive Vice President, Ocwen Financial Corporation

    John Sullivan, Executive Vice President, MorVest Capital, LLC

    Secondary & Capital Markets

    Read more Read less

    Following a year of declining interest rates and a massive refinancing wave, the first few months of 2021 have reversed course with rising interest rates and a slowdown in refinances. Meanwhile, servicing challenges remain as millions of borrowers extend forbearance or work through loss mitigation options. Where does that leave the MSR market? Experts share the latest on valuations, liquidity and market dynamics, as well as perspectives on what to expect in the months ahead.

    Speaker(s)

    Tom Piercy, President, National Enterprise Business Development, Incenter, LLC

    Tom leads Incenter Mortgage Advisors, the MSR component of Incenter's integrated mortgage services platform. He has dedicated his professional career to the secondary markets with a specialty in providing mark to market valuations and trading of mortgage servicing rights and whole loans. More than 30 years of active trading have earned Tom first-call status from literally hundreds of industry buyers and sellers seeking secondary market MSR expertise to support their risk and liquidity strategies. Tom also heads the team that introduces the Incenter mission to C-level mortgage executives. He earned his BS in Finance and Accounting from DePaul University.

    Alan Qureshi, Managing Partner, Blue Water Financial Technologies

    Alan P. Qureshi serves as Managing Partner of Blue Water Financial Technologies, with a primary focus on MSR hedge strategies, transaction management and FinTech Integration. With over 20 years of experience in the Capital Markets and Mortgage Industry, Alan oversees both the SEC Registered Investment Advisor and the FinTech subsidiaries of Blue Water. Prior to co-founding Blue Water with a like-minded team of innovators and capital markets experts in 2018, Alan served as the President of Incenter Portfolio Advisors, and as the Head of Mortgage Servicing Hedging and Hedging Analytics at U.S. Bank. Earlier in his career, Alan also held MSR, analytic, hedging and trading appointments for JP Morgan, Merrill Lynch and Diamondback Capital.  Al graduated from the University of Toronto with a bachelors degree in Applied Science and Engineering. Al also obtained his Master of Business Administration from New York University’s Stern School with a specialization in Finance and Economics.

    John Britti, Chief Investment Officer and Executive Vice President, Ocwen Financial Corporation

    Mr. Britti joined Ocwen in 2011 and has previously served as Chief Financial Officer prior to becoming Chief Investment Officer in June 2014. Mr. Britti has served in interim roles as Chief Risk Officer and as Chief Executive officer.  Mr. Britti has over 30 years of mortgage and financial services experience.  Prior to joining Ocwen, Mr. Britti was Chief Operating Officer for mortgage insurer RMIC. Mr. Britti held two positions at Freddie Mac as a Vice President running Field Sales and Pricing & Structured Transactions.  Mr. Britti has also been a Vice President at Capital One running Thrift and Mortgage Operations.  Mr. Britti has investment experience raising a venture capital fund and working with buy-out firms.  After business school, Mr. Britti worked at McKinsey & Company in their financial services industry group.  Prior to business school, Mr. Britti was an analyst for the Central Intelligence Agency.  He holds a BA in Economics from the University of Maryland and a Masters of Business Administration from Dartmouth’s Amos Tuck School.

    John Sullivan, Executive Vice President, MorVest Capital, LLC

    John Sullivan is the Founding shareholder and Executive Vice President of both MorVest Capital and MorVest Analytics.  He has over 25 years of deep experience in MSR analytics, deal analysis and fund management. He created FAST, now part of MorVest, with 20 years of specialization in independent MSR valuation analysis and related analytics. John is widely regarded as an industry expert in MSR analytics and advisory. He is a licensed Texas CPA and a former CFO within the industry.

  • Servicing Solutions Track: Navigating Loss Mitigation After Forbearance

    Location: Breakouts


    Speaker(s)

    Candace Russell, Vice President, Post Sale, Carrington Mortgage Services, LLC

    Kip Bilderback, Member, Millsap & Singer, LLC

    Michael Blair, Executive Vice President and Chief Operations Officer, LoanCare

    Daniel Sogorka, CEO, Sagent

    Jason Kwasny, Executive Vice President, Servicing, The Money Source Inc.

    Servicing Solutions

    Read more Read less

    While the maximum forbearance period has been extended for many borrowers, all borrowers will be exiting forbearance and servicers need to plan the road ahead. Learn about the factors working for and against borrowers and the workout options for those near the end of their forbearance terms. In addition to workout options that allow borrowers to stay in their homes, the discussion will include non-home retention options such as cash for keys, short sales and foreclosure.

    Speaker(s)

    Candace Russell, Vice President, Post Sale, Carrington Mortgage Services, LLC

    Candace Russell is Vice President of Post Sale at Carrington Mortgage Services. She leads CMS’s efforts managing default inventory as well as reducing enterprise risk factors. With a proven record of effectively managing property preservation, conveyance, eviction, title, and risk management. Her experience in the mortgage industry is broad: covering originations, performing loans, loss mitigation, foreclosure, claims and risk management. Candace is currently the Chair for the MBA’s Loan Administration Committee. As a passion project she runs a women and minority leadership group, UR:Represented. When time allows she enjoys roller derby and attempting to play the banjo.

    Kip Bilderback, Member, Millsap & Singer, LLC

    Kip J. Bilderback is a partner of Millsap & Singer. Mr. Bilderback directs the firm’s Missouri foreclosure, Missouri quiet title, Kentucky foreclosure and compliance departments. He received his Bachelor of Arts in 1991 and Juris Doctoris, cum laude, in 1995 from St. Louis University.  Mr. Bilderback has published numerous articles concerning the eviction and foreclosure process in Missouri and Kansas. Mr. Bilderback is a frequent speaker on the default process at seminars, continuing education classes for attorneys and paralegals, banking organizations.  He serves actively in the USFN including President and Education Committee.  He also participates as a panelist and lead facilitator of countless  regional education meetings.

    Michael Blair, Executive Vice President and Chief Operations Officer, LoanCare

    Daniel Sogorka, CEO, Sagent

    Jason Kwasny, Executive Vice President, Servicing, The Money Source Inc.

    Jason joined The Money Source in June of 2018 brings 18 years of experience in the financial services and mortgage industry with him. Jason is responsible for managing all Servicing Operations at TMS encompassing its remote workforce and two servicing centers located in CT and AZ. Prior to joining TMS, Jason held executive management positions including Vice President of Customer Resolution at SLS, Vice President of Default at Ditech, and AVP of Loss Mitigation at JP Morgan Chase. Jason is a successful Loan Servicing Executive with exceptional track record of successfully implementing broad scale operational changes to deliver the best customer experience while delivering results that exceed company expectations and strategic targets. Jason has a Bachelor’s Degree from Arizona State University, Tempe, AZ.

  • Tech Solutions Track: Tech Stack Decision Making - Avoid the Shiny New Thing Syndrome

    Location: Breakouts


    Speaker(s)

    Lisa Springer, Senior Partner and Chief Executive Officer, STRATMOR Group

    Gary Ives, Chief Information Officer, Pulte Mortgage LLC

    Brian Kukwa, Vice President, Mortgage Technology, Pentagon Federal Credit Union

    Tech Solutions

    Read more Read less

    Technology has helped lenders to increase volume, sales and customer satisfaction in the mortgage space. However, the downside to having so many technology choices is deciding what best suits your specific organizational needs. Panelists review items they consider when reviewing tech options: optimizing the borrower journey, current and future needs, corporate culture, fixed vs. variable costs, and discuss how they balance the needs to determining the right technology stack.

    Speaker(s)

    Lisa Springer, Senior Partner and Chief Executive Officer, STRATMOR Group

    As Chief Executive Officer, Lisa Springer provides focused direction and leadership to achieve the firm’s strategic goals. This includes oversight of all corporate initiatives, sales and marketing strategies, client experience, advisory services, knowledge sharing programs, and STRATMOR’s technology and data strategies. Springer has over 30 years of experience in mortgage professional services and technology arenas. As EVP of Sales at Motivity Solutions, Springer’s responsibilities included development and execution of “go to market” sales and product strategies. She was instrumental in building Motivity Solutions from a startup to the industry leader in business intelligence in the mortgage space. Springer was also EVP of Sales for Mortgage Cadence, an industry leading financial and technology firm. She drove sales strategy as well as managed several teams to effectively sell and deploy enterprise software. Springer has a BS degree from Regis University, earning the John S. Brennon award for excellence in Business Administration.

    Gary Ives, Chief Information Officer, Pulte Mortgage LLC

    Gary Ives is the Chief Information Officer at Pulte Financial Services. Mr. Ives has been with Pulte Financial Services for 16 years where he has led the transformation of Pulte Mortgage’s technology platform. This includes a leading-edge digital customer experience, end-to-end business process management, extensive manufacturing automation, and seamless homebuilder integration. Prior to joining Pulte, Gary worked as a system and strategy consultant with BearingPoint.

    Brian Kukwa, Vice President, Mortgage Technology, Pentagon Federal Credit Union

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    The Mortgage Cadence Platform delivers the leading POS experience in a single, end-to-end loan origination platform. Learn how Borrowers & Loan Officers can harness the power of the platform anytime, anywhere, and with any device. 

  • General Session: Update from the National Economic Council


    Speaker(s)

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

    Bharat Ramamurti, Deputy Director, National Economic Council (NEC)

    Read more Read less

    The recently appointed Deputy Director of the White House National Economic Council, Bharat Ramamurti, provides an update on the Biden Administration's plans for the post-pandemic economy.

    Speaker(s)

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

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

    Bharat Ramamurti, Deputy Director, National Economic Council (NEC)

    Bharat Ramamurti is a Deputy Director of the National Economic Council, with focuses on tech policy, climate finance, housing, small business, and student debt. He previously served as a Member of the Congressional Oversight Commission for the CARES Act, and as the Managing Director of the Corporate Power program at the Roosevelt Institute. He was the top economic adviser on Senator Elizabeth Warren’s 2020 presidential campaign, and served as senior counsel for banking and economic policy in her Senate office. He is a graduate of Harvard College and Yale Law School.

  • General Session: Market Outlook

    Location: Main Stage


    Speaker(s)

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

    Joel Kan, Associate Vice President, Economic and Industry Forecasting, Mortgage Bankers Association

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

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Don’t miss our latest forecast on the various forces impacting our industry during these unprecedented times. MBA will provide perspective on the state of the economy, mortgage and housing markets, and company performance, and shed light on what we can expect for the rest of 2021 and beyond.

    Speaker(s)

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

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS.  Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.  He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

    Joel Kan, Associate Vice President, Economic and Industry Forecasting, Mortgage Bankers Association

    Joel Kan serves as Associate Vice President of Economic and Industry Forecasting for the Mortgage Bankers Association. In this role, he is responsible for the production of MBA's macroeconomic and housing market forecasts, along with other related analytics. He also oversees the production of MBA's industry surveys, including the Weekly Mortgage Applications Survey, Builder Applications Survey, and Mortgage Credit Availability Index, three of the association's high profile surveys. Mr. Kan is a regular speaker and presenter of MBA’s market outlook at both MBA and external events, and writes commentary regarding economic statistics and industry data.  He has also been quoted in industry and national media outlets.  Prior to joining the MBA, he worked in Ernst & Young’s Quantitative Economics and Statistics (QUEST) group

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

    Marina Walsh, CMB, is Vice President of Industry analysis in MBA's Research and Economics Department, specializing in industry performance benchmarking for residential lenders and servicers. Currently, she leads the management and direction for the Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program, the Weekly Forbearance and Call Volume Survey and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the National Delinquency Survey.  In addition, Walsh conducts specialty workshops and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences.  In 2020, Walsh received the Certified Mortgage Banker (CMB) designation, awarded to seasoned professionals seeking the ultimate recognition for professionalism and experience in residential mortgage banking. In 2016, she was named to HousingWire's "Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ. She holds a bachelor's degree from Cornell University and a Master of Public Administration degree from Columbia University.

  • Demo: Southerland Global

    Location: HUB Stage

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Conversational AI combines user centered design, AI, and 30 years of customer experience leadership, to offer clients enterprise grade chatbot solutions that scale. Conversational AI uses natural language processing (NLP) to allow for more natural voice and chat exchanges.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    DXC EarlyResolution is a cloud-based, industry-inspired lending default management solution that automates the entire mortgage origination process from initial contact through underwriting and settlement. 

  • Read more Read less

    Learn about Non-QM beneficial tools from AD Mortgage.

  • Demo: Richey May RM Analyze

    Location: HUB Stage

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    RM Analyze is a complete business intelligence platform for lenders, created by mortgage banking and data experts, so lenders don’t need to train us on their business. We can connect to the data and systems that power every department, creating a complete picture of your company to empower your managers to take proactive action, find efficiencies, create change and drive growth. 

  • General Session: Conversation with the GSEs

    Location: Main Stage


    Speaker(s)

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

    Malloy Evans, Senior Vice President and Single-Family Chief Credit Officer, Fannie Mae

    Kevin Palmer, Senior Vice President, Single-Family Portfolio Management, Freddie Mac

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    In a comprehensive discussion, MBA’s Bob Broeksmit and two GSE leaders discuss the highlights of the industry’s response to COVID , lessons learned and challenges ahead, including forbearance and loss mitigation, technology advancements, racial equity, housing affordability and more.

    Speaker(s)

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

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

    Malloy Evans, Senior Vice President and Single-Family Chief Credit Officer, Fannie Mae

    Malloy Evans is the Senior Vice President and Chief Credit Officer for Fannie Mae’s Single-Family Business and is responsible for first-line credit risk management, from mortgage acquisition through disposition. This includes credit policy, counterparty, customer risk management, credit risk performance, collateral management, loan quality, and analytics.  In this role, he is accountable for setting selling and servicing risk policies and eligibility standards to ensure sustainable lending practices for the loans Fannie Mae acquires. He also manages the company’s customers according to these standards and practices and fosters a risk-based culture, both internally and externally.

    Kevin Palmer, Senior Vice President, Single-Family Portfolio Management, Freddie Mac

    Kevin Palmer is senior vice president for Single-Family Portfolio Management. In his role, Mr. Palmer has broad responsibility for the Single-Family portfolio, including Freddie Mac's guarantee book of business, pricing and analytics, servicing and REO. He also leads Single-Family Credit Risk Transfer (CRT), including Freddie Mac STACR® securitizations, ACIS® reinsurance, Whole Loan SecuritiesSM and front-end risk transfer offerings. Since 2001, he has served in a variety of other positions at Freddie Mac, including whole loan trading, managing the non-agency ABS portfolio and risk management.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Guardian’s MISMO Certified wire/title fraud prevention tool provides lenders with closing agent diligence, prevents cyber security loss and provides up to $5mm per transaction coverage against loss, allowing you to easily meet regulatory compliance diligence requirements, avoid wire/title fraud related losses and save processing time and money through automation

  • General Session: Perspectives from the C-suite

    Location: Main Stage


    Speaker(s)

    Susan Stewart, 2021 MBA Chairman, Chief Executive Officer, SWBC Mortgage

    Stanley Middleman, Chief Executive Officer, Freedom Mortgage Corporation

    Paul Anastos, Chief Innovation Officer, Guaranteed Rate, Inc.

    Steven Plaisance, Interim President, Mortgage Banking, Gateway First Bank

    Christine (Chrissi) Rhea, President and Chief Executive Officer, Mortgage Investors Group

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Get the latest perspectives from top executives from all aspects of real estate finance.

    Speaker(s)

    Susan Stewart, 2021 MBA Chairman, Chief Executive Officer, SWBC Mortgage

    Susan Stewart is the 2021 Chairman of the MBA and Chief Executive Officer of SWBC Mortgage headquartered in San Antonio, TX. Stewart's visionary leadership has been the catalyst behind the company growing from 3 employees serving the Texas market to more than 650 employees in over 70 branch locations. Under her unwavering focus, SWBC Mortgage has grown from a small regional broker to a national industry leader, providing a full-service origination-to-servicing experience for borrowers in 43 states. Stewart leads a team that leverages cutting-edge technology, delivering industry-leading speed and service while providing a personal, experienced touch to the dream of home ownership.  Stewart currently serves as a member of the MBA's Board of Directors and is past Vice Chair of the MBA's Residential Board of Governors (RESBOG). She and SWBC Mortgage are committed to making the communities they serve brighter, more hope-filled places, and to that end she serves on the board of the MBA Opens Doors Foundation. Both Stewart and SWBC Mortgage have been recognized personally and corporately as Guardian level donors to the Opens Doors Foundation.

    Stanley Middleman, Chief Executive Officer, Freedom Mortgage Corporation

    Stanley C. Middleman is the founder and CEO of Freedom Mortgage Corporation, one of the largest and fastest-growing full-service mortgage companies in the country. He is a business strategist, investor, and philanthropist, with over 30 years of experience in the mortgage banking industry. Since 1990, he has grown the company into one of the nation’s largest U.S. originators and servicers and top VA and FHA (government-insured) lender, with over 13,000 employees and contractors nationwide. Stan was identified by South Jersey Business Magazine as a top CEO; named fifth highest-rated CEO by Glassdoor for leading his employees and the company during the COVID-19 pandemic; and honored with the Most Admired CEOs 2020 award by the Philadelphia Business Journal.

    Paul Anastos, Chief Innovation Officer, Guaranteed Rate, Inc.

    Paul has been on the forefront of innovation within the housing industry for over a decade, specializing in developing technology solutions and transforming businesses into industry powerhouses. Paul helps differentiate the top 5 retail mortgage lender from its competitors by enhancing the Company’s suite of proprietary technology and developing contemporary marketing solutions. In addition, Paul is the Strategic Advisor to the Board, Operations, for Gateless Inc., an independent company formed by Guaranteed Rate that serves as a laboratory of cutting-edge technology for the entire industry. He graduated from Bentley University.

    Steven Plaisance, Interim President, Mortgage Banking, Gateway First Bank

    As Gateway First Bank’s Interim* President of Mortgage Banking, Steven Plaisance will ultimately oversee all things mortgage, including retail, correspondent, operations, secondary and servicing. He will also be a key part of the Executive leadership team at Gateway and will help define and set the course for bank activities across all spectrums. *pending regulator approvalPrior to joining Gateway, Steven worked at Arvest Bank for nearly 32 years. He started as a bank teller and worked his way up through mortgage with extensive experience in secondary and capital markets. He would serve as President and CEO of Arvest Bank’s mortgage division including its subsidiary Arvest Central Mortgage Company from 2015 through February of 2021. Steven has been active in the industry for many years, serving on Fannie Mae and Freddie Mac advisory boards. He has been active in the Mortgage Bankers Association, going back to his graduation of the Future Leaders Program in 1998.  Steven currently serves as the 2021-22 Chairman of the MBA’s Mortgage Action Alliance.  He is also on the MBA Investment Committee and MBA Consumer Affairs Advisory Council. He served on RESBOG from 2019 through February 2021.

    Christine (Chrissi) Rhea, President and Chief Executive Officer, Mortgage Investors Group

    Christine C. Rhea is President and CEO of Mortgage Investors Group of Tennessee. Christine co-founded the company in 1989 with a clear focus on serving the customer and the community. Under her leadership Mortgage Investors Group has expanded from 7 employees to over 450 and MIG is now a leading independent mortgage lender in the southeast with 28 branches. At its core MIG focuses on purchase business and developing relationships with realtors, builders, borrowers and other industry partners, with a new focus on Digital Consumer Direct channel.  MIG has continued to be a top lender in Tennessee and has been ranked #1 Lender for Tennessee Housing Development Agency’s first time homebuyer program for the last 15 years and USDA #1 lender in the state for the last 6 years. Chrissi is a member of the MBA’s Board of Directors and MBA’s Residential Board of Governors.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    IntellaLend uses AI to automatically identify loan defects with: Automatic Document Classification, Data Extraction and Validation, Loan Program Rules and Conditions Analysis, KPI Tracking via Dashboards and Reports.

  • IMB Business Strategy & Operations Track: The Big Picture: Strategic Structuring Decisions

    Location: Breakouts


    Speaker(s)

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

    Thomas Kearney, Partner, Akerman LLP

    Robert Losquadro, Senior Vice President, Houlihan Lokey

    Anna Pinedo, Partner, Mayer Brown LLP

    IMB Business Strategy & Operations

    Read more Read less

    This session will zoom out to let C-suite executives consider what business structure may be best for their respective IMBs. A panel of experts discuss trends and takeaways from companies going public, either via an IPO or SPAC; installing ESOPs; conventional M&A activity; and bank acquisitions.

    Speaker(s)

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

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS.  Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.  He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

    Thomas Kearney, Partner, Akerman LLP

    Thomas Kearney helps lenders, technology companies, and other financial services providers operationalize and assess compliance with state and federal financial services laws and regulations, ranging from implementing the recent HMDA amendments to assessing program compliance with information privacy, data breach, and cybersecurity requirements. Thomas joined Akerman from the CFPB's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He led the team responsible for the Home Mortgage Disclosure Act rulemakings. He was also substantially involved in the CFPB's TILA—RESPA Integrated Disclosure rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings.

    Robert Losquadro, Senior Vice President, Houlihan Lokey

    Robert Losquadro is a member of Houlihan Lokey’s Financial Institutions Group, where he focuses on advising financial services companies on M&A, capital-raising, and other corporate finance engagements.  Robert’s coverage area focuses on residential mortgage and real estate finance, including originators, servicers and technology and services providers.  Previously, Robert was an Associate at Milestone Advisors, LLC, in Washington, D.C., where he focused on specialty finance and mortgage finance M&A and capital-raising.  Prior to joining Milestone, he focused on distressed debt acquisitions and turnaround situations as an Analyst for the Denver-based investment firm Republic Financial Corp.

    Anna Pinedo, Partner, Mayer Brown LLP

    Anna Pinedo is a partner in Mayer Brown’s New York office and co-leader of the Global Capital Markets practice. She concentrates her practice on securities and derivatives. Anna represents issuers, investment banks/financial intermediaries and investors in financing transactions, including public offerings and private placements of equity and debt securities, as well as structured notes and other hybrid and structured products.  She works closely with financial institutions to create and structure innovative financing techniques, including new securities distribution methodologies and financial products. She has particular financing experience in certain industries, including technology, telecommunications, healthcare, financial institutions, REITs and consumer and specialty finance. Anna has worked closely with foreign private issuers in their securities offerings in the United States and in the Euro markets. She also works with financial institutions in connection with international offerings of equity and debt securities, equity- and credit-linked notes, and hybrid and structured products, as well as medium term note and other continuous offering programs. In the derivatives area, Anna counsels a number of major financial institutions acting as dealers and participants in the commodities and derivatives markets. She advises on structuring issues as well as on regulatory issues, including those arising under the Dodd-Frank Act. Her work focuses on foreign exchange, equity and credit derivatives products, and structured derivatives transactions. Anna has experience with a wide range of transactions and structures, including collars, swaps, forward and accelerated repurchases, forward sales, hybrid preferred stock and off-balance sheet structures. She also has advised derivatives dealers regarding their Internet sites and other Internet and electronic signature/delivery issues, as well as on compliance matters. Anna regularly speaks at conferences and participates in panel discussions addressing securities law issues, as well as the securities issues arising in connection with derivatives and other financial products.

  • Secondary & Capital Markets Track: Pipeline Hedging: Preparing for the Unexpected

    Location: Breakouts


    Speaker(s)

    Dean Brown, Founder and Chief Executive Officer, Mortgage Capital Management, Inc.

    Douglas Krueger, Executive Vice President, Trading and Analytics, PHOENIX

    Brad Eskridge, Managing Director, Secondary Solutions Group, MIAC Analytics

    Sheli Flieger, Senior Vice President, Capital Markets and Post Closing, Norcom Mortgage

    Secondary & Capital Markets

    Read more Read less

    March 2020 not only brought the onset of the COVID-19 national emergency, but also illiquidity in fixed-income products, dramatic market invention by the Fed, volatility in MBS prices, and significant margin calls for many originators with hedged pipelines. One year later, it is time to take stock of what happened and understand the lessons learned. This session offers strategies for hedging pipelines while also remaining resilient against sharp market movements.

    Speaker(s)

    Dean Brown, Founder and Chief Executive Officer, Mortgage Capital Management, Inc.

    Dean Brown is the founder and CEO of Mortgage Capital Management, Inc. Since 1994, MCM has provided mortgage banking clients with services that maximize profitability, decrease earnings volatility, and optimize all aspects of their capital markets operations. He is one of the longest-running Hedge Advisory and Analytics experts in the industry.  Prior to MCM, Dean has held positions including SVP of Secondary Marketing for First Interstate Bank, Vice President of Secondary Marketing at The Hammond Company, and Assistant Vice President of Asset and Liability Management with Security Pacific Bank. He has a Bachelor of Arts degree from Claremont McKenna College and an MBA from the University of San Diego. He has also contributed numerous articles for various industry publications and frequently participates as a speaker during MBA and other events.

    Douglas Krueger, Executive Vice President, Trading and Analytics, PHOENIX

    Doug Kruger, CFA, has served as our Executive Vice President of Trading and Analytics, is a crucial voice to the company since he joined our team in May 2019. As part of our growing PHOENIX representation throughout the states, Doug is based out of Dallas, Texas. He is a well-known seasoned veteran from his prior capital markets and secondary marketing roles, leading the teams at Mr. Cooper, Citi Mortgage, and Principal Residential, dating back to 1991. The spectrum of engagements suitable includes loan pricing, margin management, hedging, best execution, pooling and delivery, and everything in-between.

    Brad Eskridge, Managing Director, Secondary Solutions Group, MIAC Analytics

    Brad Eskridge joined MIAC in July 2011 as Vice President, Secondary Solutions Group.  With over 19 years of secondary marketing experience, Mr. Eskridge provides MIAC with an exceptional level of mortgage banking expertise.  His experience includes roles with small and large independent mortgage bankers as well as a small community bank. His broad range of past experiences has helped MIAC clients achieve their goals more effectively and more efficiently.  Currently Mr. Eskridge is the Managing Director of MIAC’s Secondary Solutions Group. Based out of Charlotte, NC, his primary responsibilities include managing the trade desk, overseeing development projects, and sales support.

    Sheli Flieger, Senior Vice President, Capital Markets and Post Closing, Norcom Mortgage

    Sheli Flieger joined Norcom Mortgage in 2008 and serves as Senior Vice President leading Capital Markets and Post Closing.  Sheli oversees all capital market activities including pricing, hedging, and secondary market execution.  In addition, she is responsible for product development functions, manages investor relationships with GSE’s, government agencies and investors.  Prior to Norcom, Sheli’s experience is in commercial and residential real estate.  She is a member of the MBA’s Secondary and Capital Markets Committee and an avid supporter of the MBa’ mPower community.  Sheli currently serves on the board of Norcom Cares, the charitable foundation of Norcom Mortgage.

  • Servicing Solutions Track: Pandemic Lessons on Building a Resilient Servicing Operation

    Location: Breakouts


    Speaker(s)

    Teresa Blake, Principal, Financial Services Practice, KPMG LLP

    Marisol (Sol) Avila, Senior Director, US Operations, Altisource Portfolio Solutions, Inc.

    Melanie Reid, CMB, AMP, Senior Vice President and Mortgage Servicing Transfer & Post Closing Manager, Citizens Bank

    Shelley Leonard, Executive Vice President, Chief Product and Digital Officer, Black Knight

    Mike Rawls, Chief Executive Officer, Xome

    Servicing Solutions

    Read more Read less

    Mortgage servicers have met borrower needs under extreme scenarios like the health crisis and natural disasters by being flexible and resilient. Panelists share the successful strategies implemented during disaster recovery that have triggered longer-term changes in capacity management, remote work and organizational structures. Hear today’s biggest operational innovations in mortgage servicing.

    Speaker(s)

    Teresa Blake, Principal, Financial Services Practice, KPMG LLP

    Teresa is a Principal in KPMG’s Financial Services practice in Charlotte. She is also the lead of the firm’s Lending Transformation capability, which brings together system selection, implementation and transformation capabilities along with the firm’s capabilities in data & analytics, design thinking, cyber, risk, deal advisory, & program management.  She has more than 25 years of experience in transforming organizations and building the teams to design, build, and support them. Her focus is on bringing digital transformation to clients as they evolve from having a digital strategy to doing business in a digital world. As a mortgage banker, she believes in humanizing digital products, and focusing on simplifying the complex mortgage process by combining the right technology at the right time, with the right scale.  Teresa joined KPMG in late 2015. Prior to KPMG, she held senior leadership roles at Wipro Gallagher, Bank of America and Textron. 

    Marisol (Sol) Avila, Senior Director, US Operations, Altisource Portfolio Solutions, Inc.

    Sol started with Altisource as a Business Process Engineer for Global Operations supporting Product and Operation leaders. Sol played a critical role in optimizing operations across Field Services by creating process structure, coaching, and improving quality. As the Sr. Director of US Operations for Altisource, Sol leads the Field Services Center of Excellence in El Paso, Texas and is responsible for mobilizing the organization to achieve and exceed client expectations. The success of client delivery depends on the effective partnership and collaboration between the Vendor network and Operations team. In order to continue to strengthen this bond, Sol also oversees the Vendor Management Organization in addition to Altisource Field Services.

    Melanie Reid, CMB, AMP, Senior Vice President and Mortgage Servicing Transfer & Post Closing Manager, Citizens Bank

    Melanie L. Reid has been in the financial industry for over 30 years working for Central Fidelity Bank, SunTrust Mortgage and currently with Citizens Bank. Roles have included  Post-Closing and Origination Functions as an operations manager.  These roles include but are not limited to Post-Closing Conventional and Government Review Manager, Final Documents Manager, File Vault and Negotiable Collateral Manager.  Also, Consumer Direct Operations and Bond Housing Operations functions were areas managed during her career. Melanie joined Citizens Bank eight years ago has held positions of Investor Compliance, Head of Performing Mortgage Servicing and currently the Mortgage Servicing Transfer & Post Closing. Melanie is an active faculty member of the Mortgage Bankers Association and guest speaker for the National Association of Minority Mortgage Bankers of America (NAMMBA) Leadership Academy (NAMMBA).  Melanie’s credentials include an Accredited Mortgage Professional (AMP 2005) as well as a Certified Mortgage Banker (CMB 2006) designation. 

     

    Shelley Leonard, Executive Vice President, Chief Product and Digital Officer, Black Knight

    Shelley Leonard is the Chief Product and Digital Officer for Black Knight. In this role, Shelley is responsible for defining the digital strategy and user experience, working with each division within Black Knight to develop a comprehensive strategic roadmap. Additionally, Shelley oversees product strategy, system enhancements and roadmap initiatives for the Black Knight Servicing Technologies division.  In 2012, HousingWire named Shelley to its list of “Influential Women in Housing.” Shelley holds a bachelor’s degree in business administration from the University of Tulsa and an MBA degree from Jacksonville University.

    Mike Rawls, Chief Executive Officer, Xome

    Mike Rawls serves as Chief Executive Officer of Xome, a Mr. Cooper Group company. With more than 30 years of experience, Mike is a seasoned leader with expertise in various facets of the mortgage industry with a deep understanding for the complexities and challenges that mortgage lenders and servicers face. Today as CEO of Xome, he is hyper focused on delivering innovative and fully integrated technology that transforms the mortgage and real estate process for more than 200 of Xome’s clients. Prior to joining Xome in January 2020, Mike served as Executive Vice President of Mortgage Servicing for Mr. Cooper, where he held responsibility for one of the nation’s largest servicing portfolios and created a more seamless experience for customers. Previously, Mike has also served in several leadership positions including as President of Champion Mortgage and senior roles in Mr. Cooper’s origination channels, and at Banc One Financial Services and Household Financial Services. Mike received a B.A. in Business Management from Virginia Wesleyan College.

  • Tech Solutions Track: CIO Roundtable

    Location: Breakouts


    Speaker(s)

    William Packer, Partner and Chief Operating Officer, American Financial Resources Inc

    Tanya Brennan, Managing Partner, PhoenixTeam

    Renee Galitis, Executive Vice President and Chief Information Officer, Caliber Home Loans, Inc.

    Tech Solutions

    Read more Read less

    Record business volumes, technology changes due to COVID, security concerns, going digital and so much more. Today’s technology leaders are dealing with more than ever before. This group of experts will discuss the issues facing the technologists and how they balance the competing demands.

    Speaker(s)

    William Packer, Partner and Chief Operating Officer, American Financial Resources Inc

    Bill is a partner of American Financial Resources, (www.afrcorp.com), where he serves as the firm’s Chief Operating Officer responsible for Origination Operations (prior to closing), Technology, Project Management, New Product Development and Marketing. Bill also serves as the Executive Vice President for AFR’s Technology Services division (Lendersoft, www.lendersoft.com). He is currently the Chairperson for the MBA’s Residential Technology Committee and by virtue of this office serves on the MBA’s RSBOG as non-voting member. Bill is an advisory board member for Snapdocs a leading provider of digital mortgage closing solution. Prior to joining AFR, Bill held leadership positions at Bank of America most recently as the Senior Vice President, Application Programming Executive in Bank of America’s Home Loans technology organization where he supported both first mortgage and Home Equity business’. Bill is currently an advisory board member for Rutgers University’s customer experience program. Bill is the secretary and board member for his condo association. Amongst several other philanthropic endeavors, Bill is a lead diver, educator and mentor at the New York Aquarium’s volunteer scuba diving team (www.nyaquarium.com). Bill holds an MBA in Finance, a BA in Economics, has been a certified project manager (PMP) since 1998. He earned the GSEC designation from the SANS institute in 2002. Bill is a PADI Dive Master with DSD designation and is a DAN Instructor and is a certified PSI-PCI inspector.

    Tanya Brennan, Managing Partner, PhoenixTeam

    Tanya has 20 years of experience designing and implementing mortgage technology solutions. Her work history ranges from IBM, where she gained business process design expertise, to the U.S. Department of Veterans Affairs (VA) where she implemented all 243 VA loan servicers on the VA Loan Electronic Reporting Interface (VALERI). At Black Knight Financial Services (BKFS), formerly Lender Processing Services (LPS), Tanya managed multiple complex mortgage technology implementations and led commercial product and client teams.  In 2015, Tanya and her partners launched PhoenixTeam, a woman-owned small business that delivers mortgage technology solutions to improve the home loan experience for borrowers and helps financial institutions, technology providers, and government agencies achieve their desired outcomes. With a focus exclusively on the mortgage industry, PhoenixTeam delights clients and delivers better business solutions through technology implementation excellence

    Renee Galitis, Executive Vice President and Chief Information Officer, Caliber Home Loans, Inc.

    Renee Galitis is the Executive Vice President and Chief Information Officer of Caliber Home Loans where she is responsible for all technology supporting Caliber’s aggressive growth plan and innovation in creating the “Ultimate Home Buying Experience”. As a seasoned industry leader with over 25 years of mortgage technology experience, Renee brings outstanding strategic and technical expertise that will help Caliber build upon their industry-leading enablement of Originations and Servicing.  Prior to Caliber, she was the CTO of Black Knight, Inc. (NYSE:BKI), a premier provider of integrated software, data, and analytics to the mortgage industry. Renee served as Head of Hosting and Operations Services at Black Knight Financial Services and was responsible for IT infrastructure, operations and controls, critical facilities management, enterprise technology standards, and new product development oversight. Before her promotion to Corporate CTO at Black Knight, Renee served four years as the CTO for Black Knight’s Origination Technologies division, which offers two loan origination systems, as well as technology solutions that support mortgage and home equity lending operations. Renee has also served in several senior management positions at both technology and mortgage firms including Bank of America and Nexstar Financial, a venture capital backed start-up specializing in software development.  Renee earned a bachelor’s degree from Tufts University.

  • IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Visit with our exhibitors, enjoy a session you missed earlier on demand, attend an Engagement Session or use this time to set up your own one-on-one meetings with other attendees. It’s your time to use your way.

  • Engagement Session: MBA mPact Industry Forum (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

    Candace Russell, Vice President, Post Sale, Carrington Mortgage Services, LLC

    Sasha Hewlett, Director, Secondary & Capital Markets, Mortgage Bankers Association

    Krystal Thomas AMP, Sr. Specialist for Industry Relations & Member Engagement, Mortgage Bankers Association

    Ty Cieloha, Account Director, Qualia

    James Paolino, CEO, LodeStar Software Solutions

    IMB Business Strategy & Operations,

    Secondary & Capital Markets,

    Tech Solutions,

    Servicing Solutions

    Read more Read less

    Join MBA’s young professionals network, mPact, for this unique event where mPact leaders discuss trends and issues in mortgage lending, secondary & capital markets, and emerging technologies. Come ready to turn on your camera, network with peers in small breakout sessions, and learn ways to better improve your business and expand your career!

    mPact members receive the discounted MBA LIVE Spring21 regisration rate of $195.

    Speaker(s)

    Candace Russell, Vice President, Post Sale, Carrington Mortgage Services, LLC

    Candace Russell is Vice President of Post Sale at Carrington Mortgage Services. She leads CMS’s efforts managing default inventory as well as reducing enterprise risk factors. With a proven record of effectively managing property preservation, conveyance, eviction, title, and risk management. Her experience in the mortgage industry is broad: covering originations, performing loans, loss mitigation, foreclosure, claims and risk management. Candace is currently the Chair for the MBA’s Loan Administration Committee. As a passion project she runs a women and minority leadership group, UR:Represented. When time allows she enjoys roller derby and attempting to play the banjo.

    Sasha Hewlett, Director, Secondary & Capital Markets, Mortgage Bankers Association

    Sasha Hewlett is Director of Secondary & Capital Markets on the Residential Policy Team at MBA. In this role she works with various market participants, agencies, organizations to address secondary policy issues and advocate for MBA members.  She is also the lead staff member for the Secondary and Capital Markets Committee.  Prior to joining MBA, she spent a majority of the last 12 years in various roles at Freddie Mac and Fannie Mae. Sasha is a Graduate of Virginia Tech and lives in Washington, DC.

    Krystal Thomas AMP, Sr. Specialist for Industry Relations & Member Engagement, Mortgage Bankers Association

    Krystal Thomas is the Government Program Specialist in MBA’s Residential Policy and Member Engagement department. In her role, Krystal manages MBA’s State Relation Initiative (SRI) which seeks to align the interest of the national MBA and state associations around the country in three critical areas: advocacy, industry communications and business development. Additionally, Krystal supports MBA’s member engagement initiatives, such as the Wholesale Lenders Executive Forum, Diversity and Inclusion, and co-leads mPact, MBA’s platform for young professionals to build a strong network, deepen industry connections, and directly influence the future of our industry.

    Ty Cieloha, Account Director, Qualia

    James Paolino, CEO, LodeStar Software Solutions

  • Engagement Session: Servicing Super Session (Closed to Media)

    Location: Engagement & Networking Suite


    Speaker(s)

    Loretta Salzano, President, Franzen and Salzano, PC

    Michael Waldron, General Counsel and Chief Compliance Officer, Community Loan Servicing, LLC

    Servicing Solutions

    Read more Read less

    In this live and interactive session, attendees turn on their camera and mic and join the discussion with peers, colleagues, and industry experts. You set the agenda by bringing your comments and questions on today's hot topics on loan servicing, whether it's operational, regulatory, or strategic, for performing loans, loans in forbearance, or loans in default. Our engaging hosts will match your question to a panelist to answer it. Join us for this virtual version of our in-person conference favorite.

    Faciliators:
    Loretta Salzano, President, Franzen and Salzano, PC
    Michael Waldron, General Counsel, Community Loan Servicing, LLC

    Experts:
    Jonathan Kolodziej, Partner, Bradley
    John Lawrence, President, Servicing and Lender Services, BSI Financial Services
    Jane Mason,
    Chief Executive Officer, Clarifire
    Caroline Reeves, Chief Executive Officer, Mortgage Contracting Services, LLC
    Marissa Yaker,
    Managing Attorney of Foreclosure, Padgett Law Group

    Speaker(s)

    Loretta Salzano, President, Franzen and Salzano, PC

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

    Michael Waldron, General Counsel and Chief Compliance Officer, Community Loan Servicing, LLC

    Michael S. Waldron is the General Counsel and Chief Compliance Officer of Community Loan Servicing where he is responsible for the Compliance and Oversight Department’s management, leadership and direction as well as the company’s overall legal and compliance strategy. Prior to joining Community, Michael was Practice Leader of Ballard Spahr’s nationally recognized Mortgage Banking Group. With over 20 years servicing the industry in a wide variety of legal and compliance-related functions, Michael is known for his ability to navigate the regulatory landscape and build relationships that add value to those with whom he works. Michael received his law degree from Catholic University in Washington, DC, and his undergraduate degree in Government and Law and English from Lafayette College in Easton, PA.

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