AI Governance, Quality & Risk: A Practical Framework for Mortgage Lenders

Most current industry content on AI in mortgage focuses on capability, what AI can do across origination, underwriting, and servicing. Far less attention goes to governance, fair lending risk, and quality control once these tools are in production. With CFPB, OCC, and FHFA attention increasingly focused on model risk and algorithmic fair lending, that gap is becoming a real operational and regulatory exposure for lenders moving quickly on AI adoption.

This session gives attendees a practical, mortgage-specific framework for evaluating, governing, and quality-controlling AI across the loan lifecycle, grounded in operational excellence and regulatory compliance discipline, not just technology enthusiasm.

Date/Time:

• Tuesday, August 18 (3:00 PM - 4:00 PM ET)

Objectives:

• Identify where AI creates the most value and the most risk across origination, processing, underwriting, closing, servicing, QC, and default
• Apply fair lending and UDAAP considerations specific to AI-driven decisions
• Map governance checkpoints to CFPB, OCC, and FHFA expectations on model risk management
• Use a human-in-the-loop framework to decide where AI can operate autonomously versus where it requires reviewer oversight

Target Audience:

• Compliance, Risk, Quality, and Operations leaders
• Mortgage executives evaluating or governing AI initiatives

Speaker(s)

• Moderator: Rick Hill, Vice President, Industry Technology, Mortgage Bankers Association
• Roberta Pek, CMB, CRCM, Lean/Six Sigma Master Black Belt