BREAKOUT SESSION: Before the Examiners Come

Mitch Kider

Chairman and Managing Partner, Weiner Brodsky Kider PC

Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. Mitch represents banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He defends clients in investigations and enforcement actions before the CFPB, HUD, DOJ, VA, FTC, Fannie Mae, Freddie Mac, Ginnie Mae, and various state and local regulatory authorities and Attorneys General offices. Mitch is a Fellow of the American College of Consumer Financial Services Lawyers.

Kristin Broadley

Founder, Assurance Solutions

Kristin Broadley, a highly accomplished Fractional Risk Management Executive, is recognized as a pioneering force in the financial industry. With a distinguished career marked by patent holder status and industry leadership, Kristin has played a pivotal role in reshaping risk governance and oversight, notably contributing to the representation and warranties framework post-2008 crisis. A strategic visionary, Kristin excels in driving innovation and process transformation, evident in their roles as Chief Innovation Officer at QC Ally and Vice President of Enterprise Risk Management and Risk Solutions at Rocket Mortgage. With a proven track record of launching groundbreaking products, collaborating with industry stakeholders, and achieving industry recognition, Kristin stands as a dynamic leader at the forefront of risk management, embodying a commitment to excellence, innovation, and driving transformative change in the financial landscape.

Melissa Koupal, CMCP

Senior Vice President, Servicing Risk and Compliance, CMG Financial

Melissa Koupal serves as the Senior Vice President of Servicing Risk and Compliance at CMG Financial, a comprehensive lender based in San Ramon, California, specializing in retail, correspondent, wholesale, and servicing. In her current role, she is responsible for overseeing all aspects of risk and compliance related to servicing operations. As a seasoned professional in the mortgage industry, Melissa was a founding member of loanDepot in 2009, where she played a pivotal role in shaping the overall direction and strategy for Mortgage Operations Risk. Her responsibilities included managing the compliance management system, overseeing origination and servicing mortgage compliance programs, managing licensing, compliance quality control, and handling agency and regulatory examinations, audits, and enforcement matters across all channels of loanDepot. Since 2008, Melissa has been the owner and leader of the Reglist, a community of over 1,900 mortgage compliance professionals specializing in compliance and legal issues within the residential mortgage field. Her expertise and insights have made her a sought-after speaker at industry conferences, including the Mortgage Bankers Association and NMLS. Melissa's commitment to the industry is further demonstrated through her leadership roles, currently servicing as Chair of the California MBA Mortgage Quality and Compliance Committee and having served as the Chair for the MBA State Legislative and Regulatory Committee and the Chair of the MBA Regulatory Compliance Committee. Additionally, she actively participates in the Industry Working Group for the NMLS, showcasing her dedication to advancing regulatory practices and standards in the mortgage sector.