EMERGING ISSUES TRACK: Strengthening Risk Management in a Changing Regulatory Environment

VP, Business Controls Manager, Pulte Mortgage LLC

Cindy Patterson is the Vice President, Business Controls at Pulte Mortgage, where she is spearheading the launch of a dedicated Business Controls team to drive operational excellence and mitigate risk. With over two decades of experience, Cindy has held pivotal roles at Wells Fargo—as Corporate Risk Control Management Officer—and at JPMorgan Chase & Co., where she advanced through various positions that honed her expertise in Business Controls, Risk Management, Operational Oversight, Quality Control, and Internal Audit. Outside of work, Cindy enjoys hiking, exploring new travel destinations, and channeling her creativity through a vibrant event planning venture. She is also passionate about mentoring emerging talent across the organization, fostering growth well beyond her immediate team.

Director of Regulatory Intelligence, Ncontracts

Robert Brosh is Director of Regulatory Intelligence at Ncontracts, where he monitors and analyzes federal regulatory developments affecting financial institutions. He helps organizations understand and operationalize regulatory requirements by translating complex rules into clear guidance, practical action plans, and risk management tools. Brosh regularly develops regulatory summaries, compliance analyses, audit templates, and risk assessments designed to help financial institutions stay ahead of evolving supervisory expectations and regulatory change. Prior to joining Ncontracts, he interned at the National Association of Federally Insured Credit Unions (NAFCU) and the Office of Financial Research at the U.S. Department of the Treasury. Brosh earned his J.D. from the Antonin Scalia Law School at George Mason University.

Director, Risk & Compliance, Richey May

Mignonne Davis is Director of Risk and Compliance at Richey May, with more than 20 years of experience in the mortgage industry spanning mortgage servicing, default servicing, and servicing quality control. She brings deep expertise in audit, compliance, internal controls, risk assessment, and operational processes across mortgage banking and servicing platforms. Throughout her career, Davis has audited mortgage banking operations including origination, processing, underwriting, pre-funding, post-closing quality control, human resources, vendor management, governance and risk, and information technology. She also has extensive experience auditing mortgage servicing operations for both forward and reverse mortgages, including interim servicing and subservicing oversight, loss mitigation, bankruptcy, foreclosure, escrow administration, MIP billing, payment processing, payoffs, vacant property registration, REO, property preservation, and customer service and complaint management. In addition to her client work, Davis is actively engaged in professional development and industry leadership. She serves Richey May’s Professional Development Leadership Team, where she helps develop firmwide curriculum and promotes mentoring and continuous learning. She also serves on the Mortgage Bankers Association’s Loan Administration Committee and is an instructor with the MBA School of Mortgage Servicing. Prior to joining Richey May, Davis held roles with MQMR, Ditech, and The Money Source.

Partner, Bradley

Christy Hancock, a partner at Bradley, practices in financial services regulatory compliance. Her work with mortgage servicing and other financial institution clients has given her a broad base of knowledge regarding laws affecting the mortgage servicing business, including bankruptcy and foreclosure best practices, payment application, correspondence requirements, allowable fees, loan modifications, escrow requirements, and property preservation. In recent years, her practice has involved advising large financial institutions on compliance management systems, government settlements and consent order implementation, bankruptcy-related regulatory matters, and large-scale remediation projects. Hancock organizes and hosts the Bradley Compliance Roundtable, a monthly one-hour WebEx for dozens of the firm’s financial services clients, covering a wide variety of issues. The roundtable has evolved since early 2020 to address a broad range of topics involving secured lending and servicing. These meetings provide clients with a unique and valuable opportunity to discuss new trends and the nuances of consumer laws, with a particular focus on government enforcement, compliance issues, and litigation updates. She provides daily guidance to clients on laws such as RESPA, TILA, FDCPA, FCRA, and the Dodd-Frank Act, as well as compliance with certain bankruptcy rules and mortgage servicing best practices. She has assisted her financial services clients with a variety of intricate matters, including developing responses to new legislation, conducting internal risk assessments, assisting with and responding to internal and external audits, training company personnel, revising quality control processes, and drafting and updating a variety of mortgage servicing policies and procedures.