SINGLE-FAMILY TRACK 1: Ditch the Crystal Ball – Smarter, Agile Forecasting and Budgeting Techniques
Strengthen your financial foresight with practical budgeting techniques and real-time scenario analysis to keep your planning precise and adaptable. Discover strategies to anticipate market shifts including interest rate changes, prepayment trends, and volume fluctuations, and gain clarity on the “what,” “when,” and “for whom” of effective forecasting and budgeting.
Speakers
Moderator
Augie Del Rio is co-founder and CEO of Gallus Insights. Previously, he was an Investment Banking Vice President at Goldman Sachs in New York, where he advised financial services companies on M&A and capital structure optimization. After five years on Wall Street, he joined Caliber Home Loans as Head of Finance, where he was led the company’s financial and strategic planning initiatives. Augie began his career at PwC and served as a Consumer Banking Deputy Director for HSBC’s LatAm region. Augie holds an MBA from Yale University and is an Economics major from the University of Amsterdam. He enjoys tennis and lives in Chicago with his wife Paulina and twin daughters Sofia and Elena.
Speakers
Ben Jackson serves as SVP and CFO for Consumer Lending at Regions Bank, where he oversees mortgage, home equity, and home improvement financing (HIFi) products. With more than 15 years in the mortgage industry, Ben brings deep expertise across finance and strategic analytics. Before joining Regions, he was CFO within mortgage at Citizens Bank and previously held key roles at Franklin American Mortgage Company, including MSR valuation, secondary, and risk management. Passionate about data-driven decision-making, Ben leverages analytics to drive growth and profitability.
Joe Ludlow has led the Advantage Systems sales and marketing team for twenty years. During that time, Accounting for Mortgage Bankers, or AMB, has become the industry leader for mortgage accounting software, with over 300 mortgage firms actively using AMB. Joe oversees the AMB User Conference, trade shows, PR, and online marketing efforts as well. After graduating from Pomona College, Joe worked in commercial real estate, ultimately for Cushman and Wakefield. He followed his interest in real estate and lending technology to his current role at Advantage Systems.
Michelle Richardson is the SVP and Chief Financial Officer at Plaza Home Mortgage, Inc., a privately owned, full-service national correspondent and wholesale lender. An industry veteran with more than 20 years of financial and operational experience, Ms. Richardson joined Plaza in 2019. Prior to Plaza, she was Vice President of Treasury at loanDepot and earlier held finance positions with Icon Residential, T-Force, and IMPAC Mortgage. In her current role, she oversees Accounting, Financial Analysis, Treasury, Payroll, Facilities and Administration and has extensive experience in strategic planning, revenue maximization, cost efficiency, timely and accurate financial reporting and the development of effective systems and controls. Ms. Richardson has her Masters in Accounting and is a Certified Mortgage Banker (CMB) as well as a Certified Treasury Professional CTP).
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