GENERAL SESSION: Fraud Trends from Law Enforcement

James Guenthner

Fraud Investigations, CMG Financial

Seasoned mortgage fraud professional with ~25 years of experience including mortgage lenders and servicers, government sponsored entities (GSEs), and mortgage insurers. Current working in CMG Mortgage’s Fraud Investigation Group and Chair of MBA’s Fraud Subcommittee.

Nicholas Berta

Supervisory Special Agent, Financial Crimes Section, Economic Crimes Unit, Federal Bureau of Investigation

Rahul Mittal

Cyber Security Advisor, U.S. Department of Homeland Security

Rahul Mittal is currently the Cybersecurity Advisor for Washington D.C in Region 3 with DHS CISA and is responsible for proactively engaging with members in private and public sector to increase the nation's critical infrastructure resiliency and further protect it from cyber-attack. Previously, Mr. Mittal has worked at the National Institute of Standards in Technology (NIST), Health and Human Service (HHS), and the Chief Administrative Office (CAO) for the House of Representatives. In his career, he has served as a subject matter expert on cybersecurity topics related to risk management, incident response, cybersecurity analysis, and cyber policy. At HHS, he was the Branch Chief for the Office of the Secretary (OS) Cybersecurity Customer Engagement and Compliance Support and the Chief Information Security Officer (CISO) for the Assistant Secretary of Preparedness and Response (ASPR). Mr. Mittal currently holds a Bachelor of Science in Mass Communication and a Master of Business Administration and possesses the following professional industry certifications: Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC), Certified Ethical Hacker (CEH) and the Certified Network Defense Architect (CNDA).

Stavros Nikolakakos

Supervisory Special Agent, Criminal Investigations, U.S. Secret Service

Jim Payne

NMLS Ombudsman, Conference Of State Bank Supervisors

Jim Payne is the Director of Examinations/Assistant Deputy Commissioner for the Consumer and Mortgage Lending Division of the Kansas Office of the State Bank Commissioner (OSBC) and serves as the Nationwide Multistate Licensing System (NMLS) Ombudsman with Conference of State Bank Supervisors (CSBS). Jim previously served as Director of Licensing, Regional Manager, and Financial Examiner. He specializes in examinations and investigations of nonbank entities across a range of industries. As the NMLS Ombudsman, Jim sits on the NMLS Policy Committee. He previously served as President of the American Conference of Uniform Consumer Credit Code States. Jim has a BBA in Finance and Marketing from Washburn University in Topeka, Kansas and an MBA from Baker University in Baldwin City, Kansas.

Timothy Wu

Supervisory Special Agent, Financial Crimes Section, Money Laundering, Forfeiture, Bank Fraud Unit, Federal Bureau of Investigation