Speakers

After turning pro at the age of 16, tennis prodigy Andre Agassi rose to international fame, earning 60 men’s singles titles, including eight Grand Slam singles championships, over a 20-year career. A former World No. 1 player, Agassi is the first male player ever to win all four Grand Slam titles and an Olympic gold medal. He was also a member of three winning Davis Cup teams (1990, 1992 and 1995). On July 9, 2011, Andre was inducted into the International Tennis Hall of Fame for the Class of 2011.

While his tennis career took him all over the world, Agassi always stayed connected to his hometown of Las Vegas, Nevada. In 1994, at the age of 24, he created the Andre Agassi Foundation for Education. Early activities included building a shelter in Las Vegas for abused and neglected children, creating the Andre Agassi Boys and Girls Club, and developing Team Agassi, a tennis program that nurtures professional players and puts college within reach.

For over 25 years, the Foundation has honed its mission to focus on transforming public education. In 2001, the Foundation opened the Andre Agassi College Preparatory Academy, a tuition free K -12 public charter school, in historical West Las Vegas with approximately 1,200 students. Recognized as a model charter school, Agassi Prep graduated its first senior class in June 2009 with a 100 percent college acceptance rate.

After successfully graduating 9 senior classes, Agassi Prep made the decision to turn over operations to Democracy Prep, a high achieving charter management organization with 17 high performing charter schools in the nation. Agassi Prep is now referred to as Democracy Prep at the Agassi Campus.

Since the inception of the Andre Agassi Foundation for Education, $185 million dollars has been raised to benefit the mission of the Foundation, including $118 million from the Grand Slam for Children fundraising event. The Grand Slam for Children served as the Foundation’s primary fundraising vehicle and brought together international stars to raise awareness and money.

After retiring in 2006, Andre Agassi increased his focus on his foundation and on promoting education reform. He is also building a lifestyle business through endorsement relationships, joint venture investments and real estate development. In November 2009, he released his autobiography Open, which reached #1 on the New York Times bestseller list and continues to hit record sales internationally.

In June 2011, as part of an effort to expand his impact on education, Andre partnered with Turner Impact Capital on an innovative new real estate fund – the Turner-Agassi Charter School Facilities Fund – to promote the success and growth of best-in-class charter schools in urban communities across the United States. As of 2024, the fund has opened 122 schools, serving over 100,000 students in some of the most economically challenged neighborhoods in America.

Most recently, Andre launched Square Panda, an award-winning educational technology learning system utilizing phonics with multi-sensory play. Designed for kids two and older, the playset blends physical and digital learning as it keeps kids entertained through age-appropriate learning games grounded in research-based curriculum. Early readers play their way to reading fluency as they engage with physical smart letters that connect them to a library of learning games. Square Panda’s mission is to give children the tools to become fluent, confident readers, and empower them to love reading.

He is married to tennis superstar, philanthropist and businesswoman Stefanie Graf. The family resides in Las Vegas.

Tennis champion Stefanie Graf, winner of 22 Grand Slam singles titles, remains the only player to win Wimbledon, the French Open, the US Open and the Australian Open at least four times.

In a career spanning 17 years, Graf won 107 singles titles and is the first—and still only— woman player to achieve the "Golden Slam" by winning all four Grand Slam singles titles and the Olympic gold medal in the same year.

Graf was ranked No. 1 for a WTA-record 377 weeks, the longest of any player, male or female, since rankings began. She was inducted into the Tennis Hall of Fame in 2004.

With the same purposeful strength she brought to professional tennis, Stefanie turned her attention to aiding suffering children. In 1998, she founded Children for Tomorrow, a charity focused on providing psychological help for children and families who have suffered the trauma of war, violence, abuse, exile or loss of the family. She established the organization in conjunction with Outpatient Clinic for Refugee Children and their Families at the University Clinics of Hamburg-Eppendorf.

The special outpatient unit for children's psychiatry and psychotherapy treats refugee children from all over the world and their families. The majority of patients are from Afghanistan, southern Europe and West-African countries. Since its inception, over 7,000 children have received treatment at different projects.

In addition to the current international projects in Uganda, Kosovo and Eritrea, the Hamburg headquarters opened in April 2011. The Hamburg location is the Foundation headquarters and is an Outpatient Clinic for Refugee Children as well as a training center for therapist and crisis area workers.

In 1999, Graf retired from the women's professional tennis tour with a World No. 3 ranking. As a mother, wife, philanthropist and entrepreneur, she now works on building lifestyle businesses through endorsement relationships, joint venture investments and real estate development.

She is married to former tennis superstar Andre Agassi. The family resides in Las Vegas.

Prepare to be inspired by Mick Ebeling, a visionary leader and founder of Not Impossible Labs, who has redefined what it means to create change through innovation. Recognized as one of Fortune’s Top 50 World’s Greatest Leaders and a recipient of the Muhammad Ali Humanitarian of the Year Award, Mick’s groundbreaking work proves that no challenge is truly impossible.

With his mantra of "commit, then figure it out," Mick has driven initiatives like the EyeWriter, Project Daniel, and Music: Not Impossible—projects that leverage technology to solve real-world problems and make a profound impact. Under Mick's leadership, Not Impossible Labs has garnered international acclaim for its bold, life-changing solutions and has spun off revolutionary companies addressing food insecurity and Parkinson's symptoms.

Don’t miss this chance to hear Mick share his unique perspective on the power of storytelling, innovation and collaboration to tackle the seemingly impossible. His journey will leave you motivated to reimagine what’s possible in your own work and beyond.

Kat Cole is CEO at AG1, a global health company focused on foundational nutrition. In her role, she is responsible for leading AG1’s next phase of growth, global expansion, and innovation. Cole is a seasoned business leader and sought-after advisor with more than 20 years of operational, brand, and executive leadership experience. Prior to AG1, she was President and COO at Focus Brands, where she oversaw the company’s nine presidents and businesses generating billions in sales around the world. In addition to her role at AG1, she serves on the boards of Slice and Milk Bar. She has been a Young Global Leader of the World Economic Forum, a member of the United Nations Global Entrepreneurs Council, and named to Fortune’s annual 40 Under 40 list.

Michael Cembalest is the Chairman of Market and Investment Strategy for J.P. Morgan Asset & Wealth Management, a global leader in investment management and private banking with $3.9 trillion of client assets under management worldwide as of October 11, 2024. He is responsible for leading the strategic market and investment insights across the firm’s Institutional, Funds and Private Banking businesses.

Mr. Cembalest is also a member of the J.P. Morgan Asset & Wealth Management Investment Committee and previously served on the Investment Committee for the J.P. Morgan Retirement Plan for the firm’s more than 256,000 employees.

Mr. Cembalest was most recently Chief Investment Officer for the firm’s Global Private Bank, a role he held for eight years. He was previously head of a fixed income division of Investment Management, with responsibility for high grade, high yield, emerging markets and municipal bonds.

Before joining Asset Management, Mr. Cembalest served as head strategist for Emerging Markets Fixed Income at J.P. Morgan Securities. Mr. Cembalest joined J.P. Morgan in 1987 as a member of the firm’s Corporate Finance division.

Mr. Cembalest earned an M.A. from the Columbia School of International and Public Affairs in 1986 and a B.A. from Tufts University in 1984.

Jeff Sprecher is Founder, Chair and CEO of Intercontinental Exchange, Inc. (NYSE: ICE) and a pioneer of digital networks and the electronification of trading and marketplaces.

Reflecting Sprecher’s vision and leadership, ICE, co-headquartered in Atlanta and New York, has grown from a startup in 2000, purely focused on making energy trading transparent, to a diversified, subscription-driven Fortune 500 company with nearly 14,000 employees. ICE operates exchanges and clearinghouses around the world, provides market-leading solutions in fixed income and data services, and is transforming the mortgage industry by digitizing the end-to-end process of buying a home. Now in its third decade, the company that Sprecher and his team have built, through organic growth and acquisitions, delivers over $8 billion in annual revenue with market capitalization of over $70 billion.

It started with an entrepreneur’s dream and $1,000. That’s what Sprecher paid to buy the struggling Continental Power Exchange in 1997, in addition to assuming the company’s outstanding debt.

Born and raised in Madison, Wisconsin, educated as a chemical engineer at the University of Wisconsin and an MBA at Pepperdine, Sprecher learned early on in his parents’ garage how to break down systems to their component parts and rebuild them better, faster, and more resilient. It started with a toaster oven at age six, advanced to a Toyota and, decades later, expanded to global asset exchanges.

Sprecher began on a shoestring by spotting inefficiencies in the power market and resolving to fix them. Tirelessly enlisting major banks, energy companies, and utilities to his cause, Intercontinental Exchange was born, eventually going public on the New York Stock Exchange in 2005 under the ticker symbol ICE. From its humble beginnings, a string of innovations and acquisitions quickly followed, beginning with buying the International Petroleum Exchange in 2001, the New York Board of Trade in 2007, Creditex in 2008, the Clearing Corporation in 2009 the Climate Exchange in 2010 and the NYSE itself in 2013. Sprecher became Chair of the NYSE following ICE’s acquisition, overseeing a complete overhaul of the Exchange, serving in that role for eight years through 2021.

The deals Sprecher put together created what are now known as ICE Futures Europe, ICE Clear Europe, ICE Futures U.S., and ICE Clear U.S., and led to a top-to-bottom reimagination and expansion of the NYSE, now known as NYSE Group. But exchanges and clearinghouses are only part of the ICE story. ICE’s major acquisition of Interactive Data Corporation in 2015 and a string of deals in the mortgage space, culminating in its purchase of Ellie Mae in 2020 and BlackKnight in September 2023, have coalesced into two other business segments -- ICE Fixed Income and Data Services, and ICE Mortgage Technology -- together forming today’s company.

Along the way, as the world evolves toward a more digital, efficient, and green future, ICE continues to innovate under Sprecher’s leadership. The company, formed with a simple idea and small check, now helps in myriad ways to drive transparency in trading, clearing, capital formation and risk management; it advances technology through its high quality and market leading data and solutions; and now it makes the dream of home ownership easier and less expensive for millions by digitizing the mortgage process.

Sprecher is often credited with “seeing around corners” in the intersecting world of finance and technology. These days, amid the energy transition, that trait is underscored by his anticipation years ago of the globalization of natural gas and demand for carbon-offset trading. Similarly, Sprecher’s launch of Bakkt in 2018 foresaw expanded adoption of bitcoin and digital assets. In reality, seeing around corners is a theme woven throughout Sprecher’s more than 20 years of creating, leading, and growing ICE. For that, and for delivering to ICE shareholders a consistent compound annual growth rate of 17% over the span of 2006 to 2021, Sprecher has been hailed as one Barron’s “World’s Best CEOs” for six consecutive years, among a host of other honors and awards for his leadership and philanthropy.

Ben Jackson is President of Intercontinental Exchange, Inc. (NYSE: ICE). Jackson oversees ICE’s global technology, information security, operations and is responsible for coordinating global futures and OTC trading businesses. Additionally, he leads the integration planning and execution of ICE’s acquisitions and joint ventures and serves as the Chair of ICE Mortgage Technology. Jackson previously served as Chief Commercial Officer for Intercontinental Exchange, and prior to that President and Chief Operating Officer of ICE Futures U.S. Jackson joined ICE in July 2011 from SunGard, a leading software and technology provider to commodity market participants. At SunGard, he led the company's energy and commodities business segment as Senior Executive Vice President. Prior to that, he served as President of SunGard's Kiodex commodity risk management platform. Jackson earned a Bachelor of Science degree in economics from John Carroll University with supporting studies at the London School of Economics and Political Science.

Timothy J. Bowler is President of ICE Mortgage Technology, the leading digital mortgage technology platform and a wholly-owned subsidiary of Intercontinental Exchange, Inc. (ICE: NYSE). Most recently, Bowler was President of ICE Benchmark Administration, administrators of robust regulatory and governance frameworks with advanced technology to bring credibility and trust to globally important benchmarks.

Prior to joining ICE, Bowler was a managing director in the Financial Institutions Group at Goldman Sachs. He previously served at the U.S. Treasury, where he was Counselor to then-Treasury Secretary Jack Lew as well as Acting Assistant Secretary for Financial Stability and Deputy Assistant Secretary for the Office of Capital Markets.

Before joining the U.S. Treasury, Bowler held positions in capital markets and risk management at Goldman Sachs and JPMorgan. Bowler earned a Bachelor of Science degree with a concentration in Finance from the College of William and Mary.

Lynn Martin is President of NYSE Group, a wholly-owned subsidiary of Intercontinental Exchange, Inc. (NYSE: ICE). NYSE Group includes the New York Stock Exchange, the world’s largest stock market and premier venue for capital raising, as well as four fully electronic equity markets and two options exchanges.

Martin is also Chair of Fixed Income & Data Services at ICE, which includes ICE Bonds execution venues, securities pricing and analytics, reference data, indices, desktop solutions, consolidated feeds and connectivity services that cover all major asset classes. Most recently, she was President of Fixed Income & Data Services and earlier served as President of ICE Data Services, COO of ICE Clear U.S., and in a number of leadership roles including CEO of NYSE Liffe U.S. and CEO of New York Portfolio Clearing. Martin began her career at IBM in its Global Services organization.

Martin holds a BS in Computer Science from Manhattan College and an MA in Statistics from Columbia University. She currently sits on the Board of Directors of the Partnership for New York City and the Inner-City Scholarship Fund. Martin also serves on the Manhattan College Board of Trustees as well as the Advisory Board of the School of Science and is a member of the Phi Beta Kappa National Honor Society.

A dedicated leader in the mortgage industry with over 30 years of experience across retail, non-retail, and technology sectors, Larry is the Founder and CEO of Mortgage Workflow Partners Inc. He specializes in optimizing workflows and technology for clients, firmly believing that "Workflow before Technology™" is not just a slogan but a guiding principle that ensures the most effective workflows are supported by the best technologies available.

As a community advocate, he established Mortgage.Community, an open forum designed for industry professionals to collaborate and share insights. This platform invites all participants to engage in discussions related to the mortgage industry while providing a dedicated space for Encompass® administrators to address critical issues.

In his role as an educator, Larry developed the Mastering Encompass® educational platform, allowing him to disseminate his extensive knowledge and expertise to administrators and users across companies utilizing the Encompass® platform. Over the past 13 years, he has successfully trained thousands of administrators and users, contributing to their professional growth and the overall advancement of the industry.

Chris Flanagan is a Managing Director, Fixed Income Strategist and Head of US Mortgage and Structured Finance Research at BofA Securities. He started his career on Wall Street in 1986 at Merrill Lynch as a mortgage analyst and switched to JP Morgan Chase from 2000-2010, before returning to BofA Merrill Lynch in 2010. He has perennially ranked on the Institutional Investor All-American Fixed Income Research team. He has BS and MS degrees in Applied Physics and Electrical Engineering from Cornell University and an MBA in Finance from the State University of New York at Albany.

For more information about any awards cited, visit https://go.bofa.com/awards

As CTO at Mace Innovations, I’ve had the privilege of leading the development of cutting-edge automation tools that have transformed the mortgage industry. By reducing origination costs and streamlining workflows, these solutions have brought significant efficiency gains to our clients. My expertise lies in taking products from initial concept through to full-scale, cloud-based SaaS applications. I thrive on building secure, scalable software and infrastructure that drives innovation and delivers results.

When I’m not immersed in technology, you’ll likely find me at the racetrack. I’m passionate about motorsports and regularly instruct at high-performance driving education (HPDE) events, helping novice drivers navigate their first road courses. I also compete in the ChampCar endurance series, where motorsports serves as my second passion, closely following my love for technology.

Laurie Goodman is an Institute Fellow at the Urban Institute. She founded the Housing Finance Policy Center at Urban in 2013, and was its Director or Co-Director from 2013-2021. This Center provides policymakers with data-driven analyses of housing finance policy issues that they can depend on for relevance, accuracy, and independence.

Prior to joining Urban in 2013, Laurie spent 30 years as a mortgage-backed securities analyst and research department manager at a number of Wall Street firms, including Amherst Securities Group, LP, where she developed a reputation for her analysis of housing policy issues, and UBS, where she was a top ranked research analyst. She began her career as a senior economist at the Federal Reserve Bank of New York.

Laurie serves on the Board of Directors of MFA Financial and Arch Capital Group Ltd, and is a consultant to The Amherst Group. She has published more than 250 articles in professional and academic journals and co-authored/co-edited five books. She has a BA in Mathematics from the University of Pennsylvania, and an AM and PhD in Economics from Stanford University.

STRATMOR Group Senior Partner Garth Graham heads the company’s mergers and acquisitions activities, providing strategies for Independent and Bank-owned mortgage lenders. Graham has more than 25 years of experience in mortgage banking ranging from Fortune 500 companies to successful startups, including management of two of the most successful e-commerce platforms.

At a time when digital mortgage innovation has exploded, Graham is also one of the most knowledgeable, trusted and widely cited technology experts working in the mortgage industry today. Since joining STRATMOR, Graham has advised more than 200 mortgage companies, including many of the top lenders in the country, on making IT investments that streamline operations, improve profitability and accelerate growth. He helped create MortgageSAT, STRATMOR’s Borrower Experience program, which empowers lenders with actionable data, peer-to-peer performance benchmarking and online testimonial sharing to improve the consumer experience. In the past year alone, he has participated in more than 30 advisory projects, helping lenders gain unbiased insights on current technology tools, opportunities, and strategies before they invest. In 2019, Graham was named to HousingWire’s inaugural list of Technology Trendsetters.

A true digital mortgage pioneer, Graham was a founder and key member of the executive management team at mortgage.com and led the company through its dramatic expansion in the late 90s and successful IPO in 2000, before its ultimate sale to ABN AMRO. Mortgage.com originated the first mortgage through the Internet in 1997 and was the original platform for the Quicken and Microsoft mortgage initiatives.

Prior to joining STRATMOR, Graham was with ABN-AMRO where he was part of the executive group and author of the five-year strategic plan that led to the successful $9 billion sale of the mortgage company to Citigroup in March of 2007 which closed before the market downturn. At ABN, Graham managed the mortgage.com retail mortgage and Interfirst wholesale channel ecommerce platforms. He administered a $5 million annual marketing budget and was responsible for retention and cross sell activities for more than 2 million customers.

Graham is a sought-after speaker and mortgage advisor who has been quoted extensively in industry publications, resulting in more than 40 million press impressions over his career. While COVID-19 has curtailed his in-person appearances, Graham has filled his no-travel time with fostering rescue dogs who may not appreciate his mortgage insights or laugh at his jokes, but do appreciate the long walks on the beach near his home in Fort Lauderdale, Florida.

Michael Hammond is responsible for overseeing the daily operations and long-term strategic vision of NexLevel Advisors. NexLevel Advisors, the premier mortgage strategic advisory firm, specializes in business strategy, branding, marketing, social media and PR.

NexLevel Advisors helps companies move audiences, generate leads, drive sales and ignite powerful brand stories.

A seasoned technology executive, Hammond brings over two decades of leadership, management, marketing, sales and technical experience. Hammond now dedicates himself exclusively to helping other businesses achieve extraordinary levels of success.

Hammond is only one of 60 individuals to earn the prestigious Certified Mortgage Technologist (CMT) designation, which is presented to information technology professionals in recognition of their industry experience, professional education and knowledge of the unique technological needs of the real estate finance industry. He was also recognized as:

• Named “TECH TRENDSETTER” by Housing Wire
• Named “LENDING LUMINARY” by Progress In Lending
• Awarded “SALES, MARKETING & PR TRAILBLAZER” by Progress In Lending
• Recognized as “TOP 50 MOST CONNECTED Mortgage Professionals” by Mortgage News Network

In addition, Hammond is Host of the Fintech Hunting Podcast and is viewed as a thought leader within the mortgage industry. He has been published hundreds of times in leading real estate finance publications such as Mortgage Banking Magazine, Housing Wire, Tomorrow’s Mortgage Executive, National Mortgage News, National Mortgage Professional and Today’s Lending Insight. He is a recognized speaker who regularly presents at national and state mortgage association conferences and other industry related events.

Hammond received a B.S.B.A. in Marketing from Xavier University and earned a law degree from Michigan State University. Michael is the former Chairman of the Board at Catholic Vantage Financial. In addition, Hammond is an Executive Mentor at Xavier University and serves on the marketing advisory board at Xavier University.

Jennifer Henry is an innovative, results-oriented leader with more than 30 years of continued success in product, strategy, sales and management. As SVP/Managing Director, Government Credit, Housing Strategy & Capital Markets, Jennifer oversees the strategic vision for the mortgage and housing vertical. In addition, she leads the Government Credits and Capital Market business and provides strategic guidance on new product innovation, product roadmaps, pricing and channel strategies. Prior to her position at Equifax, Jennifer held leadership roles at First American Mortgage Solutions and Fannie Mae.

Areas of Expertise:

Differentiated data sets and their impact on the mortgage industry

Women in the mortgage industry

Accelerating access to credit for marginalized communities

How using third-party data positively impacts the mortgage industry

Digital Transformation in today’s mortgage lending environment

Senior Advisor Brett McCracken’s primary focus is consulting with banking and fintech clients on strategic direction and initiatives. His client work includes responsibility for go-to-market strategies, new opportunity acquisition, process analysis, complex front-end workflow design, UI/UX direction, brand management, and the consumer experience for both consumer direct and retail lending operations.

McCracken’s most recent projects include helping clients design business process models and adaptative incubation funnels for marketing initiatives tied to either a unified tech stack or disparate data systems. This work entails deployment of technology that empowers consumers to self-provision online by leveraging sophisticated back-end data validation rules, dynamic pricing and other real-time data calls. He has also been responsible for the analysis, acquisition, and implementation of key cloud-based software platforms such as CRMs, lead management systems, business intelligence platforms, eMarketing, compliance, productivity tools, and point-of-sale systems. McCracken also works with lenders to understand the importance of secret shopping in efforts to analyze and improve their customers’ experiences with them.

“When I compare the process of obtaining a home loan to other financial products, I am motivated to help banks, credit unions, and IMBs create better experiences for their clients and employees,” says McCracken. “I regularly see a significant amount of non-intuitive, transactional friction which I know is avoidable. I love an elegant digital experience because I know how hard a team worked to insulate the consumer from backend challenges while providing front-end simplicity.”

Dr. Mark Palim is Senior Vice President and Chief Economist at Fannie Mae, responsible for forecasts and analyses of the economy and the housing and mortgage markets. His team has won the Lawrence R. Klein Award for Blue Chip Forecast Accuracy and, on two occasions, the NABE Outlook Award. Mark also oversees strategic research regarding the potential impact of external factors on the housing industry, including the first work at the company on climate change. He is a key spokesperson on economic trends and a frequent speaker at national mortgage finance and housing industry events. Mark’s work has been published in peer-reviewed journals and professional handbooks.

Kevin Peranio, Chief Lending Officer, and partner at PRMG, is an active executive leader in the mortgage industry. He oversees all production and works with both the sales and operations teams. His primary goal is to enhance the overall customer experience when doing business with PRMG. This includes creating robust reporting features, consumer-facing activities, and modern lending technology, ensuring accountability at all layers and levels of the process. In his own words, "the inside drives the outside."

Since joining PRMG in 2010, Kevin led the Southeast Region to become the #1 Ranked Region for PRMG, reaching this milestone in record time. This achievement ultimately propelled Kevin to become one of the youngest partners at PRMG. Kevin is also a four-time president's cabinet member and was recognized by NMP as one of the top 40 under 40. He is a national speaker within the mortgage industry and has been interviewed on several podcasts, including speaking at HousingWire's Engage Marketing Summit, AIME Fuse, ICE Technology, and other industry events. Most recently, Kevin has become known on LinkedIn for his insightful "Walk and Talk" video posts and for his Instagram "KP Talks Dollars and Sense" Podcast, where he shares his perspective and knowledge on various subjects. Mr. Peranio received his Bachelor of Science in Advertising Business

Edward J. Pinto is a senior fellow and codirector of the AEI Housing Center at the American Enterprise Institute (AEI). A focus of his work continues to be the role of federal housing policy in the 2008 mortgage and financial crisis and how federal housing policy continues to create unwelcome distortions in the housing markets. More recently his research has focused on using light touch density to increase the supply of naturally affordable and inclusionary housing.

Along with AEI Resident Scholar Stephen Oliner, Mr. Pinto created the Wealth Building Home Mortgage, a new approach to home finance designed to provide a more reliable and effective way of building wealth than is available under existing policies. This mortgage allows home buyers to maintain a buying power similar to a 30-year loan. It is aimed at a broad range of homebuyers, including low-income, minority, and first-time buyers.

Before joining AEI, Mr. Pinto was an executive vice president and chief credit officer for Fannie Mae until the late 1980s. Today, he is frequently interviewed on radio and television and often testifies before Congress. His writings have been published in trade publications and the popular press, including in the American Banker, The Hill, RealClearPolitics, and The Wall Street Journal. In addition, as the director of the AEI Housing Center, he oversees the monthly publication of the AEI Housing Market Indicators, which has replaced AEI’s monthly Housing Risk Watch and AEI’s FHA Watch.

Mr. Pinto has a JD from Indiana University Maurer School of Law and a BA from the University of Illinois at Urbana-Champaign.

Neil Sahota is the CEO of ACSI Labs, United Nations (UN) AI Advisor, IBM Master Inventor, part-time Professor at UC Irvine, author of best seller, Own the A.I. Revolution, and contributing author of Innovative Leadership & Followership in the Age of AI. With 20+ years of business experience, he works with organizations to create their core business strategy, enter new markets, and develop next generation products/solutions powered by emerging technology. His work experience spans multiple industries including legal services, healthcare, life sciences, retail, travel and transportation, energy and utilities, automotive, telecommunications, media/communication, and government. Moreover, Neil is one of the few people selected for IBM's Corporate Service Corps leadership program that pairs leaders with NGOs to perform community-driven economic development projects. For his assignment, Neil lived and worked in Ningbo, China where he partnered with Chinese corporate CEOs to create a leadership development program.

In addition, Neil partners with entrepreneurs to define their products, establish their target markets, and structure their companies. He is a member of several investor groups like the Tech Coast Angels, advises venture capital funds like Miramar and CerraCap, and helped create the UN’s Innovation Factory, a global program for social impact entrepreneurs. Neil also serves as a judge in various startup competitions and mentor in several incubator/accelerator programs.

He actively pursues social good and volunteers with nonprofits. Neil cofounded the UN's AI for Good Initiative and is actively helping them build out their ecosystem of strategic partnerships. He is currently helping the Zero Abuse Project prevent child sexual abuse as well as Planet Home to engage youth culture in sustainability initiatives.

Jason Shockey is the Chief Information Security Officer at Cenlar FSB, the leading mortgage loan subservicing company in the United States and committed to the success of every single one of our clients. Prior to his CISO roles Jason served 20 years active duty in the US Marine Corps as a technology leader conducting cyberspace operations, incident response, and cyber risk management. Three of those years he served with the Cyber National Mission Force (CNMF) at Ft. Meade, MD and was a liaison to the National Cyber Investigative Joint Task Force (NCIJTF). Jason is passionate about helping people get into the cybersecurity industry and leveling up throughout their career. He believes there is a place for everyone on the cybersecurity team.

Bill Shuler has been in the financial services industry for more than 25 years and currently serves as Chief Information Officer for Planet Home Lending. With comprehensive leadership experience in the mortgage industry, Mr. Shuler is responsible for the strategic integration and innovation of Planet Home Lending’s digital platforms for optimal performance and customer service. Throughout his career, Bill has specialized in business strategy and systems renovation that increases productivity, decrease costs and align operating units. He has previously held CIO leadership roles at HomePoint, GMAC Mortgage/GMAC ResCap, National City Mortgage and Homeward Residential, Inc., where he also served as Chief Administrative Officer and Chairman of their off-shore captive in Pune, India.

Matthew VanFossen is the CEO of the Absolute Home Mortgage Corporation, a mid-size Independent Mortgage Banker located in Fairfield, NJ, and Mortgage Automation Technologies, a financial technology provider specializing in consumer mortgage technology. Matthew has been a driving force in the mortgage industry and is a respected figure in the community. Additionally, he serves as the president of the New Jersey Mortgage Bankers Association. Matthew commands an extensive knowledge of the broader housing industry, with over a decade of experience in residential mortgage lending and overseeing over $5 billion in retail originations as CEO of Absolute Home Mortgage. Throughout his career, he has taken on an executive role at several successful mortgage companies and has worked as a consultant for various fintech start-ups and mortgage lenders nationwide. VanFossen's passion for innovation and the industry is evidenced by his numerous industry achievements.

He has been named a "Top Mortgage Professional Under 40" by National Mortgage News and has been featured in various publications, including Forbes, Scotsman Guide, and HousingWire. In 2023, he was awarded the ICE Mortgage Technology Innovators Award for Best Use of Next-Generation Mortgage Technology by Encompass. Under VanFossen's leadership, Mortgage Automation Technologies has become a major player in the financial technology space, offering the web-based BIG Point of Sale to some of the biggest companies in the mortgage industry. VanFossen's technology enables efficient and speedy consumer mortgage transactions, eliminating consumer communication complaints and reducing costs for lenders. Most recently, Matt helmed Mortgage Automation Technologies launch of Big Agent, a revolutionary transaction management platform tailored to help real estate brokers and real estate agents navigate recent changes in the real estate industry.

For nearly four decades, Dale Vermillion has dedicated his life to helping others reach new heights of personal and professional success with his OthersFirst™️ philosophy.

Having trained over 1,000,000 lending professionals and worked with over 600 financial organizations, Dale has compiled the best practices of the nation’s top producers into a practical and proven system that has helped countless individuals build lasting relationships with their borrowers, strengthen and expand their referral partnerships, and achieve greater personal and professional success than they thought possible.

Dale was recently named a Housing Industry Icon by Mortgage Professional America as well as one of HousingWire’s 2021 Vanguards. Dale and his team have earned Excellence in Practice Awards from both the Association for Training Development and the Brandon Hall Group. They are the proud winners of a Better Business Torch Award and have been recognized by the National Association of Mortgage Brokers for their community service.

You can follow Dale on LinkedIn and Facebook for quick tips on navigating today’s market, or visit dalevermillion.com to connect with his team about your training, consulting, or speaking needs.

Meredith Williams is the Chief Operating Officer at GMFS, LLC, a leading residential and wholesale mortgage company headquartered in Baton Rouge, Louisiana. Founded in 1999, GMFS has served over 150,000 customers across 23 states and funded more than $32 billion in mortgage loans.

Since joining GMFS in 2015, Meredith has risen from Assistant Controller to Controller in 2016 and, ultimately, to COO in 2022. With a strong foundation in accounting and process automation, Meredith specializes in leveraging technology to drive operational efficiency and scalability. This expertise has been instrumental in her leadership of key technology initiatives at GMFS, including implementing a new point-of-sale and e-closing platform, an automated commissions module, an integrated payroll and HR platform, and establishing automated loan data transfers between Encompass and the accounting system. Additionally, she oversaw the deployment of an appraisal management software, enhanced conditions within Encompass, automated closing cost data population with a fee management partner and Encompass’ Dynamic Data Management (DDM) rules, and enhancing GMFS third-party origination portal by adding custom input forms.

These projects have allowed Meredith to work across all areas of GMFS, positioning her to guide the company in balancing technology, process improvements, and cost efficiency, all with a primary focus on enhancing the customer experience.

Meredith holds both a Bachelor of Business Administration in Accounting and a Master of Accountancy from Millsaps College. As an active CPA in Louisiana, she brings a comprehensive approach to financial and operational leadership.

Along with her signature passion for people, Sue Woodard brings over thirty years of financial services and fintech experience to her roles as an independent consultant, Senior Advisor to the STRATMOR Group and industry “Evangelist At Large!”

Sue started her career at the ground level in banking, became a top producing loan originator, then leveraged her knowledge to become a highly acclaimed industry speaker, subject matter expert and fintech executive.

Nancy brings 29 years of financial services and mortgage industry experience to her role as the Vice President of Strategic Planning at Ice Mortgage Technology. She has dedicated her career to driving innovation and leveraging technology in the mortgage industry. Nancy served on the Board of Directors for the Mortgage Industry Standards Maintenance Organization (MISMO) from 2016 through 2018, driving adoption of industry standards. Nancy is particularly passionate about “e” adoption, demonstrated by her role on the MISMO eMortgage workgroup from 2014-2016.

As a noted industry thought leader, Nancy has received numerous industry awards. Recently, Nancy was named to Mortgage Professional America’s 2018 Hot 100, recognized by National Mortgage Professional Magazine on its 2018 list of Mortgage Banking’s Most Powerful Women, awarded a “Tech All-Star” by the Mortgage Bankers Association in 2017, and recognized as a “Woman of Influence” by HousingWire Magazine in 2016. Nancy holds a bachelor’s degree in business administration from the University of Michigan’s Stephen M. Ross School of Business.

Lisa is a Senior Leader in Dedicated Client Services at ICE Mortgage Technology. With 27 years of experience in mortgage technology, Lisa supports the strategic partnership and dedicated resources for one of ICE Mortgage Technology's largest servicing clients. She excels in developing innovative team models to meet the ever-evolving strategic and tactical needs of her clients.

Subba Ayyagari is the Chief Technology Officer (CTO) of the Servicing, Mortgage Technology division at Intercontinental Exchange, Inc. (NYSE:ICE), which operates global financial exchanges and clearing houses and provides mortgage technology, data and listing services.

As CTO, Ayyagari leads cross-functional teams on new product development, business innovation and digital transformation across the mortgage servicing landscape. He heads the engineering teams focused on developing and delivering consumer-focused digital channel solutions, as well as back-end system integration capabilities, including APIs, and machine learning initiatives.

Ayyagari has more than 20 years of business and technology experience in the enterprise fintech space with focus on software as a service (SaaS) multi-tenant solutions for both B2B and B2C markets. He also specializes in software engineering, enterprise architecture, and product and technology strategy.

Ayyagari graduated with distinction from Guindy College of Engineering at Anna University (Chennai, India) with a bachelor’s degree in computer science and engineering. He also earned an Executive MBA with honors from the Davis College of Business at Jacksonville University.

Ronyelle Banks is a Director of Product Management at ICE Mortgage Technology. Leveraging her 20+ years in financial services, she is dedicated to enhancing operational efficiency and customer experience. Her expertise lies in strategic planning, cross-functional collaboration, and implementing technology solutions to optimize business processes. Ronyelle holds a Bachelor of Science degree in Organizational Leadership and is a licensed California Real Estate Salesperson.

Jennifer Linamen is a Solution Manager dedicated to the MSP Digital Experience solution across all ICE mortgage servicing products. With 20 years of experience in origination, operations, and servicing, Jennifer has spent the last decade supporting various ICE initiatives in digital and product management. In her current role, she collaborates with both teams and clients to define and prioritize a comprehensive development strategy aimed at enhancing MSP and creating a digital experience. Her expertise ensures the delivery of a cohesive, multi-domain approach that meets the evolving needs of ICE’s clients and the industry.

Tiffany Bjarnson is a seasoned product leader with over two decades of experience in the mortgage industry. She excels at crafting strategies that transform analog workflows into efficient digital solutions. Tiffany is passionate about optimizing operations, fostering collaboration between lenders and settlement stakeholders, and helping businesses stay competitive in an ever-evolving landscape.

Tony Cherry is the Technical Solution Manager for the Data Management area of the Servicing Technology group of ICE Mortgage Technology. He leads all engineering practices across a suite of solutions providing business intelligence and data access to ICE Mortgage Servicing clients. He has over 30 years of technology delivery experience spanning all areas of mortgage, focusing on data solutions for much of the last 10 years.

Rama Chetlapalle has over 20 years of experience driving transformative change in the mortgage technology sector. As Vice President and Technology Director for ICE’s servicing technology, Chetlapalle leads high-performing teams to consistently deliver state-of-the-art solutions for ICE Mortgage Technology. His visionary leadership and strategic direction have been pivotal in making mortgage servicing simple, exemplified by innovations like the MSP® Digital Experience (MSP DX).

Rama's educational background is as impressive as his professional achievements. He has completed the MIT Executive Education program focused on Digital Business, AI/ML, and Innovations in various markets. Additionally, he holds a Professional MBA from the University of Florida and a Master's in Computer Science and Engineering from Ohio, following his Bachelor's in Engineering from India. Rama's balanced business and technical acumen, consumer-focused strategy, and lead-by-example approach have been instrumental in driving solutions to completion and exceeding expectations.

Director Product Manager for Intercontinental Exchange, Inc., Amy Cross is a mortgage technology veteran.. Before joining the mortgage industry, Amy was a software engineer working in telecommunications and biotech systems. During her over twenty year mortgage industry career, she’s worked in all areas of the mortgage process, helping some of the largest banks in the country deliver innovative solutions for retail originations, wholesale acquisition, correspondent lending and purchasing, and Secondary Marketing. During the aftermath of the mortgage crisis, she worked with the GSEs and servicing clients to help clients remain in their homes through qualifying them for products from deeds in lieu of foreclosure, short sales, HAMP and other modification programs. As part of ICE Mortgage Technology, Amy and her team are responsible for adding unique and innovative new product and compliance updates to the Encompass Platform, including the new Home Equity, Down Payment Assistance products among other key initiatives. Today, Amy and her team are expanding the Developer platform, creating the framework of APIs and services that enable application developers, partners and lenders to create solutions that seamlessly integrate into the ICE Mortgage Technology ecosystem.

Tom Crowley is the Director of User Experience at ICE Mortgage Technology, where he leads the design of innovative, user-centered solutions for mortgage technology products. With over 15 years of experience, Tom has held key UX roles at companies like Ultimate Software, Damballa, and ADP, specializing in customer journey mapping, mobile design, and product strategy. He is passionate about creating seamless user experiences that align business goals with user needs while mentoring the next generation of designers. Tom is a sought-after speaker, sharing his expertise on design leadership and user experience at conferences and events.

Jason is a Director of Development in the ICE Mortgage Technology division at Intercontinental Exchange, Inc. He has 24+ years of IT experience, including web, mobile, integration, and security development, and is currently leading the Servicing Client Identity and Access Management (SIAM) initiative for ICE Mortgage Servicing. His leadership skillset spans across a multitude of industries, disciplines, and technologies. Jason started his professional career as a Java developer immediately following the Y2K push, cutting his teeth on groundbreaking web and security software. He joined ICE's Servicing business in 2005, and quickly worked his way into management, leading various teams and groups across the enterprise.

Jason was born and raised in a suburb of Denver, Colorado and moved to the First Coast of Jacksonville in 1996. He graduated from the University of North Florida in 1999 with a Bachelor of Science in Information Systems and a minor in Business, and an MBA from Jacksonville University in 2018 with honors. He is passionate about the area he now calls home in Northeast Florda and active in his community. In his personal time, Jason can be caught enjoying the various outdoor activities Florida has to offer or with his family enjoying time together.

Marci Davis is Vice President of Product at ICE Mortgage Technology, responsible for the corporate strategy of the Partner Network, TPO Connect and Secondary Marketing solutions including EPPS (Encompass Product and Pricing Service) and Investor Connect. Marci is an industry veteran, with over 30 years in mortgage technology leadership roles working for publicly traded companies. Marci joined ICE Mortgage Technology 6 years ago and is committed to the success of our customers and partners while providing key leadership in the direction and growth of our digital platform.

John Doll is a Solutions Manager for the Data Management area of the Servicing Technology group of ICE Mortgage Technology. John has 19 years of mortgage experience ranging from originating and processing of new loans to business analysis and now product management in the area of servicing. John is now responsible for a suite of solutions providing business intelligence, automation, and data access to ICE Mortgage Servicing Clients.

Matt Dowd, Vice President of Product Management at ICE Mortgage Technology, is responsible for leading the overall product strategy for our Consumer Engagement suite of solutions. Over the past 15 years, he has focused on helping companies understand their customers and identify what drives retention, satisfaction, engagement, and overall experience.

Joe Eger is a Resource Manger in Professional Services focused on New Client Implementations, Client Portfolio Acquisitions, Business Process Optimization reviews, and MSP consulting and training. Joe has 40 years of mortgage servicing experience, including 25 years as an MSP client and 15 years supporting Professional Services as a Consultant and Resource Manager for ICE.

Joe leads a team of Default Consultants where his extensive MSP and industry experience provides ICE clients with a broad knowledge of all MSP functionality. Additionally, Joe partners with ICE Client Support and Product Development providing support with existing and future functionality.

Jennifer Faas is a Product Manager for the Loan Servicing value stream with ICE Mortgage Technology. Jennifer has 26 years of experience in mortgage financial services, including 8 years in product management supporting Home Equity, Regulatory & Special Loans development in MSP. Jennifer specializes in driving roadmap product prioritization with a proven track record of delivering impactful solutions to meet our customer needs.

Dana Federspiel is a senior vice president in Servicing Technologies Product Innovation for the Mortgage Technology business segment of ICE. She has primary responsibility for governance, compliance, management of financial resources and strategic direction for two product portfolios. In this role, she manages a team of solution managers who are responsible for the Loan Servicing value stream and the Asset Management value stream, which includes multiple applications in support of the MSP loan servicing system, including loan administration, loan boarding, cash, escrow, investor, imaging (documents), invoicing, claims, foreclosure, and bankruptcy processes.

Prior to her current position, Dana served as the managing director of enterprise product strategy, with a focus on shared innovation across all divisions of Black Knight, now a part of ICE. In this capacity she was responsible for identifying integration opportunities with originations and data and analytics products into the servicing space. For several years, Dana has also held roles in sales and account management, which included responsibility for client demonstrations and leading client business reviews. In this capacity, she provided recommendations, potential cost savings and risk analyses based on clients’ use of current technology compared to the Black Knight product suite based on compliance, and best practices for mortgage servicing.

Dana’s first role at Black Knight was in the consulting arena providing training and assistance to new clients during implementations. Prior to joining Black Knight, she held various positions at leading servicing organizations, where she had direct utilization of the technology. Dana has over 20 years of mortgage servicing experience in various roles spanning the entire servicing life cycle, with a focus in the default processing space.

With over 20 years of mortgage industry experience, Mia Ferreira brings a great deal of industry background to her role as Director of Product for Encompass at ICE Mortgage Technology. She leads a brilliant team of product experts, driving innovation for the Encompass platform and delivering efficiencies, quality, and compliance to ICE customers.

Before ICE, Mia served as Director of Compliance where she leveraged Encompass for retail, wholesale, and correspondent lending. She’s deeply passionate about helping borrowers achieve the dream of home ownership, while helping customers and partners grow and scale their businesses.

Rebecca Frisbie is the Director of Product for the Encompass Document Platform at ICE Mortgage Technology. Frisbie leads the product team responsible for Encompass Docs, eFolder, fulfillment, and the document delivery platform. Frisbie is also the product lead for Encompass eClose, the industry’s first end-to-end electronic closing solution. Frisbie is passionate about developing software to solve complex mortgage problems. Named to the 2021 List of Housingwire Insiders, Frisbie has been recognized for her tireless pursuit in automating the closing process.

Frisbie came to ICE Mortgage Technology in 2013 as a product manager for the Encompass Docs Solution. She has led innovations within that product that aided in the exponential growth in adoption of Encompass Docs which generates millions of residential lending documents each month. In addition, Frisbie led several large projects at ICE, including broadening support of HELOC and Construction loans within the Encompass platform and was also a contributing member of the teams that delivered the new Uniform Residential Loan Application and the Loan Estimate and Closing Disclosure in Encompass.

Harry Gardner is director of Digital Services for ICE Mortgage Technology.

In this role, Gardner manages the product roadmap for the MERS^® System, MERS^® eRegistry and MERS^® eDelivery, and assists in the development of the ICE Mortgage Technology eClosing and eVaulting solution architectures.

A frequent writer and speaker on eClosing and eVaulting issues, Gardner has received numerous industry recognitions, including MBA’s Technology All-Stars, MBA’s eMortgage All-Stars, Mortgage Professional America’s Hot 100 List, and Mortgage Technology Magazine’s Steve Fraser Award, “A lifetime achievement award that recognizes the accomplishments of an outstanding mortgage technology innovator, visionary or evangelizer.”

With more than 20 years of mortgage technology experience and MISMO^® leadership, Gardner’s previous roles include president of SigniaDocs, president of MISMO, and vice president of Industry Technology for the Mortgage Bankers Association.

Gardner earned a bachelor’s degree in electrical engineering from the University of Virginia.

Daniel Giffin is a Solution Manager focusing on the Home Equity solution across all ICE mortgage servicing products. Daniel has 20 years of Home Equity experience, including 15 years internally supporting MSP development, Product Management and Client implementations. He works with all Home Equity clients to prioritize a multi-product development strategy to deliver a consistent Home Equity experience to ICE products like MSP, Servicing Digital and Customer Service.

Khadijah Gordy is an instructional designer in Intercontinental Exchange's Mortgage Technology division. As a thought leader in learning and development, Khadijah leverages her expertise in learning strategies and digital tools to deliver tailored solutions that drive engagement and knowledge retention. With a master's degree in educational technology from Michigan State University and a diverse background spanning K-12 and adult education, Khadijah brings a unique perspective to the challenges of the modern learner and strives to push the boundaries of what's possible in learning and instruction.

Skip Green is the Servicing Technologies Solution Manager for ICE Mortgage Technology. Skip is responsible for the governance, compliance, strategic direction, strategy execution and return on investment for the loss mitigation and collections solutions.

Skip has more than 20 years of experience in mortgage and default servicing, is a Certified SAFe 5.0 Product Owner/Product Manager and has earned his Six Sigma Green Belt.

Julian Grey is Executive Vice President of the data and analytics business at ICE Mortgage Technology. In this role, she leads product management for data and analytics solutions that help drive success for the mortgage and capital markets verticals.

Julian is a proven industry professional with a long track record of innovation in data and predictive analytics, as well as analytics and technology solutions, including housing indices, home price forecasts, and housing market forecasts. Prior to joining ICE (and its predecessor companies), Julian developed effective solutions that measure risk and valuation, and has held general management and P&L responsibilities for Mortgage Credit Risk and Capital Markets Solutions.

Julian is a respected leader in the industry for her continued focus on innovation and ability to launch leading-edge solutions for home price indexes, forecasts and real estate analytics, and she is known for her expertise in predicting estimates of mortgage performance, prepayment and default rates, valuation analytics, and spearheading cloud based, big data, technology solutions.

Julian has gained a wealth of experience managing the full life cycle of complex predictive analytics, data, and SaaS and web-based solutions serving financial services industries. In 2016, The MReport magazine selected Julian for its prestigious Women in Housing list, and in both 2015 and 2017, she was named one of HousingWire magazine’s Women of Influence. In 2023, she was awarded the Housing Wire Vanguard award . Julian earned a bachelor’s degree in economics from Mills College in California.

Bailey Hancock is an instructional designer on the Customer Learning Solutions - Servicing team for ICE Mortgage Technology. She is passionate about creating effective and engaging learning experiences for diverse adult learners. Bailey holds a master's degree from the University of North Florida and specializes in instructional technology, training, and development. With a solid foundation in instructional design methodologies, she leverages a range of authoring tools to craft relevant and impactful content for learners. Bailey is dedicated to supporting and empowering adult learners to achieve their professional goals through innovative and accessible learning experiences.

Pierre Hildebrand is a Solution Manager focusing on Servicing client identity and access management. With over 25 years of experience in the information technology industry, Pierre has built a distinguished career focusing on digital and agile transformation, IT risk, and security management within the financial sector. Currently, he is dedicated to enhancing the client identity and access management experience within the ICE Servicing application landscape, leveraging cutting-edge technology and governance capabilities to benefit ICE clients.

James Iredale is the Chief Information Technology Officer of the mortgage technology segment of Intercontinental Exchange (NYSE:ICE).

As CITO, he leads the engineering team responsible for the comprehensive suite of ICE’s servicing solutions, working on the digitalization of the mortgage industry.

Iredale has more than 20 years of experience focusing on software design and development, big data solutions and system integration at ICE and its predecessor companies. Iredale joined Black Knight, now part of ICE, from a technology start-up, has experience in management consulting and previously worked at one of the world’s largest and most respected global investment banks in its London offices.

Iredale graduated with honors from the University of Florida with a bachelor’s degree in business administration and management. He also earned an MBA degree with high honors in finance and economics from the Kellogg School at Northwestern University.

Erik Johnson is a seasoned Product Manager in the field of data management, currently overseeing the Actionable Intelligence Platform and Passport UI as part of his role. With a strong educational background in finance and investment analysis, Erik brings a unique perspective to the world of data, combining analytical rigor with a keen understanding of business needs.

In his nine years of experience in the data management realm, Erik has honed his expertise in product management of business intelligence software. His focus lies in developing and implementing innovative solutions, particularly in the areas of automation and data visualization tools.

Erik is passionate about the intersection of technology and business, consistently striving to bridge the gap between complex data structures and practical, user-friendly solutions. His dedication to excellence has led to successful collaborations and impactful contributions to the field.

Deepa has 20 years of experience in application development and event driven architecture with a focus on APIs and Security.
Her interest includes compilers, parallel programming, and algorithms.
She has a master’s degree in Computer Science, Diploma in Advanced Computing from Center for Development of Advanced Computing, and bachelor’s degree in Electronics Engineering.

Walter Kueffer is a Development Director at ICE Mortgage Technology, where he oversees the software, release, and site-reliability engineering efforts for MSP Digital Experience. Additionally, he is responsible for managing and enhancing the developer experience within the platform engineering ecosystem. Walter holds a degree in Computer Science and Mathematics from the University of Illinois at Urbana-Champaign and brings over 20 years of experience in technology to his role.

Lindsey Lesch is a Senior Leader in Dedicated Client Services for ICE Mortgage Technology. She is responsible for managing the servicing partnership and dedicated resources for one of ICE Mortgage Technology’s larges servicing clients, specializing in strategic planning and execution. She started her mortgage industry career 20 years ago, with a focus on default processes and applications, which evolved into default attorney and client relationship management. Lindsey excels at identifying synergies between client needs and product strategies, to accelerate solutions for the client. Her forward-thinking approach, along with her industry and management experience, allow her to organize resources with the right skills to meet the diverse and ever-evolving demands of the mortgage industry and client initiatives.

Sam has been in the mortgage lending business for 27 years and has spent the last 10 years leading technology teams to enable business success. He thrives on constant improvement, solving problems and the opportunity to collaborate with thoughtful and high performing teams. He has passion for efficiency and supporting business to achieve goals.

Sam has lived in Washington State most of his life, although spent a year in Kansas City leading the Midwest operations of a national mortgage bank. Sam attended Gonzaga University, in Spokane, WA—Go Zags!

At ICE Mortgage Technology, Sam leads our effort to expand usage of our newest toolsets to deliver better outcomes and business results for our customers. This is accomplished by developing and illustrating best practices and driving strategies to implement tools to achieve incremental improvement.

A 30+ year veteran of the data and financial services industries, Richard currently serves as Executive Vice President, Data Strategy & Property Data Solutions at ICE.

Richard joined ICE in May 2020. Prior to joining ICE Richard was the founder & the Chief Operating Officer of ATTOM Data Solutions responsible for oversight of operations, sales, customer success and contracts. Prior to Attom Richard was the Vice President of Data Solutions and Licensing at CoreLogic responsible for the overall sales strategy and field engagement within the National Licensing division. Earlier in his career Richard was the Director of Product Management and Development with Experian. While there, Richard’s team successfully developed and implemented an industry-leading triggers program for financial institutions that managed risk, retention and marketing programs. Richard has also held key executive positions with Westcorp as Vice President of Banking Operations and Vice President of Safety and Soundness.

Richard has a Master’s Degree in Business Administration from Colorado State University and a Bachelor’s Degree in Economics from California State University, Long Beach. He is presently active on the boards of a number of charitable organizations and is a recognized community leader.

Sandra Madigan is the Executive Vice President of Servicing Product Innovation for the mortgage technology business of Intercontinental Exchange (NYSE:ICE). She is responsible for overseeing the servicing product strategy, including the delivery of ICE’s digital and mobile solutions and the integration of ICE’s origination applications into servicing to enhance the consumer mortgage experience and improve lender and servicer operational efficiency.

Prior to assuming this position, Sandra served as Black Knight’s Chief Digital Officer where she was responsible for driving digital strategies and solutions for the mortgage market. In this role, she led an enterprise UX team to optimize the digital experience by leveraging design thinking and design sprints and managed the company’s digital roadmap to ensure its alignment with overall company strategy. She also led Black Knight and our clients to adopt SAFe Agile, the world’s leading framework for enterprise agility, to significantly increase efficiency and collaboration for more intuitive, user-friendly products and faster speed-to-market.

In 2023, Sandra was named by HousingWire Magazine as one of their “Women of Influence” for her work in shaping and propelling the housing economy forward. In 2022, she received the HousingWire “Vanguard Award,” for her leadership within the housing and mortgage finance industry.

She holds a bachelor’s degree from the University of Florida.

Cindy Martinez is an instructional designer at ICE Mortgage Technology who brings 15 years of hands-on experience in education, where she not only taught but also developed curriculum, mentored peers, and designed award-winning learning programs. Driven by empathy, Cindy excels at putting herself in the learner’s shoes to craft training solutions that are engaging, practical, and accessible. She blends her love for digital tools with microlearning, scenario-based activities, and creative storytelling to design dynamic learning experiences. Known for simplifying complex concepts and creating content that resonates, Cindy is dedicated to empowering professionals through training that’s both impactful and relatable.

Ted Mason is the Head of Dedicated Client Services for ICE Mortgage Technology. Ted is responsible for leading the Dedicated Teams, supporting ICE Mortgage Technology’s largest Servicing Clients. Ted has an extensive track-record of fostering growth, strengthening client relationships, and crafting innovative services through tailored Dedicated Client Services solutions. With nearly 30 years concentrated in the Mortgage Industry, Ted excels at transforming client services organizations to modernize, elevate client satisfaction, and foster long-term client partnerships. Ted is leading the expansion of Dedicated Client Services, offering differentiated services aligned to future ICE Mortgage Technology strategic products.

In previous roles, Ted has managed high performing teams driving transformational programs in client shops, as well as implementing ICE Mortgage Technology solutions in some of the largest clients, providing a deep understanding of the mortgage industry and a commitment to delivering exceptional value to clients.

Andrea Meir is servicing product management at ICE Mortgage Technologies. For over 24 years, she has worked in product development in support of the MSP servicing system. Meir helped launch MSP's Home Equity capabilities in 2014 and continues to support ICE's home equity product strategy. She is also the Solution Manager for Funds Processing.

Brad Parkins is the Product Manager at ICE Mortgage Technology for Simplifile’s Collaboration and Post Closing services, which seamlessly connects lenders and settlement agents to securely share, validate, and collaborate on loan documents, disclosures, fees, title requests, and more. He has spent his entire career in the mortgage industry, with a focus on FinTech. Brad came to ICE in 2016, bringing his technology experiences in origination, closings, servicing, and loss mitigation to his current role as product manager.

Clinton Peele is a Principal Consultant focusing on the Consumer Loan Workstation within the Mortgage Servicing Platform. Clinton has 17 years of experience in the Mortgage industry including 10 years of experience in a Mortgage Servicing Operation and 7 years of experience supporting various client engagements as a member of ICE. Clinton's main area of expertise is the Cashiering side of Home Equity Lending.

Jennifer Perdue is a Senior Leader in Dedicated Client Services for ICE Mortgage Technology. She is responsible for supporting ICE Mortgage Technology’s largest servicing clients and overseeing business operations for Dedicated Client Services. Throughout her 18 years in the mortgage industry, Jennifer has spearheaded numerous innovative projects in mortgage technology and client services. She excels in partnering with clients to drive business transformation through strategic initiatives, process enhancements, and technical expertise.

Rohit Poddar is Servicing Technology Strategy Director for ICE Mortgage Technology leading the machine learning and supporting the architecture initiatives for ICE’s digital channels and API programs. Rohit has 23 years of experience in the mortgage industry spanning both origination and servicing. He blends his extensive IT expertise with a finance MBA to bring a holistic understanding of how business and technology intersect, with a strong ability to turn ideas into reality.

In the current role, he is heading the AI Center of Excellence for ICE, to oversee and streamline all AI initiatives aligning with the AI vision and strategic direction of ICE aiming at fostering greater synergy, collaboration, and alignment across ICE.
 
The purpose of the AI Center of Excellence is to innovate without compromising on required governance guardrails. For AICoE, Anand created the process for gathering innovative ideas, while prioritizing process and solution implementation for the same, along with a platform to run AI experiments and collaborate. 

He has more than two decades of experience in technology and have been with NYSE since 2007. He has played pivotal roles in many large-scale system modernizations and migrations including NYSE’s flagship multi-asset class trading system called ‘NYSE Pillar’.

In the recent times, he modernized the largest ultra-low latency high throughput market data consolidation systems in the world, ‘OPRA’ - OPRA consolidates the Options market data for all US Options exchanges in real-time and handles more than 150 billion messages on an average every single day within a latency of 20 usec. He also led the teams to build the first full blown application running in the Cloud for ICE and NYSE - NYSE Surveillance application, a complex real time big data system processing over 650 billion messages every single day to find patterns to ensure firms are trading following the rules. 

In the new role, he is leveraging his two decades of experience in the technology field and leadership to drive innovation for the company in the exciting new area of AI.

Christie Reid is a dedicated Manager of the Docs Implementation and Investor Setup team with extensive experience in optimizing document processes across the lending industry. With a strong background in mortgage banking, she understands the critical importance of accurate and compliant document packages at every stage of the loan process.

In her role, Christie partners with all types of lenders to design and implement tailored solutions that enhance operational efficiencies and ensure adherence to regulatory requirements. A subject matter expert in EDS, she is committed to helping organizations transition to using Encompass documents seamlessly and giving them tools to successfully navigate future changes in the mortgage industry.

Christie believes in the power of knowledge and collaboration, empowering clients to see the value of effective document setup. She enjoys staying abreast of industry trends and best practices, continually seeking ways to innovate and improve document implementation strategies.

Originally from California, Christie has lived in Arizona for 10 years and enjoys traveling with her husband, Rick. A fun fact: she got married at the Wynn Las Vegas on 07/07/07, making the upcoming conference even more special for her.

Jenée Robinson is a seasoned Product Management Director responsible for the Secondary Solutions in Encompass, ICE PPE, and Investor Connect. She joined ICE in 2011 through the acquisition of Ellie Mae, bringing with her over 20 years of experience in the mortgage industry. At ICE, Jenée has played a key role in enhancing the back-end processes of Encompass. Previously, she managed comprehensive hedging and risk analysis for various mortgage companies, overseeing secondary marketing functions that included managing mortgage pipelines across business channels, hedging interest rate risk through forward sales of agency MBS, and analyzing best execution loan delivery opportunities. She also spearheaded bulk sales transactions, optimized profit margins across loan products, fostered investor relationships, and collaborated with the operations team on product development initiatives.

Garrett Ruckel is an Instructional Designer on the Customer Learning Solutions - Servicing team at ICE Mortgage Technology. Garrett is responsible for crafting learning experiences for various IMT Servicing products, including the Actionable Intelligence Platform (AIP), Passport, Loss Mitigation, and MSP. Since transitioning from his roles in secondary education, he works to innovate ICE's training content to better support the modern learner.

Michael Saccento is a Product Director at ICE Mortgage Technology in the Advisory and Rapid Analytics Platform business segment within the Data & Analytics division. As a product leader at ICE, Michael’s focus is making data accessible, connected, and at the center of our client’s daily business decisions.

With over 20 years of experience in mortgage, real estate, and capital markets, Michael’s background prior to joining ICE includes stints in home equity products, asset-based lending, servicing, risk management, whole loan trading, and securitization. This exposure to the full loan lifecycle and the inherent inefficiencies he observed ultimately inspired him to pivot his career and begin a journey towards building financial technology products.

Michael holds a B.B.A. with a concentration in Corporate Finance from the University of Massachusetts at Amherst. He currently resides with his family in San Jose, CA.

John is Senior Director of ICE Spatial Intelligence. He leads the integration of real estate and mortgage data with ICE’s geospatial platform to build out innovative new products for capital markets. John came to ICE in the 2021 acquisition of the climate startup risQ Inc., where he was co-founder and Chief Data Scientist. Before making the jump to geospatial data, John was a co-founder at Seven Bridges Genomics, a peta-scale analysis platform for biomedical data. John was a Marshall Scholar at the University of Oxford with an MSc in Applied Statistics.

Brian Smith is the Chief Technology Officer (CTO) of the Servicing, Mortgage Technology division at Intercontinental Exchange, Inc. (NYSE:ICE), which operates global financial exchanges and clearing houses and provides mortgage technology, data and listing services.

As CTO, Brian leads cross-functional teams focused on new product development, business innovation, and digital transformation across the mortgage servicing landscape. He leads the engineering teams focused on developing and delivering core servicing capabilities - MSP, back-office experiences supporting MSP, and servicing data and analytics solutions.

Brian has more than 20 years of business and technology experience in the enterprise fintech space with a focus on software as a service (SaaS) multi-tenant solutions for B2B markets. He specializes in software engineering, lean agile frameworks, enterprise architecture, and product and technology strategy.

Brian graduated from the Warrington College of Business with a Bachelor’s degree in Decision and Information Sciences.

Becca has over 10 years of experience as a data scientist and product leader implementing Machine Learning and AI solutions within the life sciences, healthcare, manufacturing and financial services industries. She holds a Bachelor of Science in Computational Biochemistry from the University of Texas at Austin and a Master of Science in Analytics from the Georgia Institute of Technology.

As Senior Director of Product at ICE Mortgage Technology, William is responsible for the strategy and evolution of the Encompass Partner Connect. William brings 20 years of experience leading both Product and Engineering teams.  William has been focused on building SAAS products and highly performant platforms that enable scalability, extensibility, and manageability.  William is passionate about Product, loves the required collaboration with customers and internal stakeholders. William joined ICE Mortgage Technology 3 years ago and is committed to extending the Encompass Partner Connect platform in a way that provides value and enhances the interaction between our Partners and Customers. Outside of the office, William spends time with his family. William has two boys, Dominic and Gabriel who are 12 & 11 respectively. If not with family, William is likely to be found on a golf course somewhere.

Misha is vice president of User Experience for Loan Origination technology at ICE, and a champion of the broader ICE design community. Her role is to ensure ICE loan origination products are streamlined, intuitive, accessible, and integrated. She is a 20+ year veteran of design in enterprise software including human resources, sales force automation, supply chain, finance, data protection, data backup, and data storage. Her experience ranges from data intense enterprise software to mobile-first consumer experiences to business-to-business web sites. She’s guides design organizations thorugh developing new ways of working to deliver best-in-class experiences; whether it’s understanding how machine learning can best be used in a user interface, developing a leap ahead vision for a product, shepherding an established market leading product through a design refresh, or integrating acquired software into a design ecosystem. She loves making products that delight customers.

Karen Whitcomb is a Mortgage Banker by trade and geek by nature. With over 40 years of working in Mortgage Banking and Technology, Karen has extensive experience serving customers in both business to business and direct to consumer. She has a deep background in managing and auditing regulatory and company compliance, in addition to managing lending operations. Skilled in the use of mortgage technology, Karen possesses a deep knowledge base in workflow automation and next generation technologies.

Over the course of her career, Karen has seen it all and spent a good portion of her career helping people to scale their business. Currently, Karen serves as Professional Services director at ICE, partnering with lenders to design and facilitate enhancements to their lending processes. As a key leader within the ICE Professional Services team, Karen is instrumental in helping lenders to drive process improvements and loan quality, while also working with lenders to improve operational efficiencies and lower overall costs. Karen resides in Northern California, and when she isn’t geeking out over mortgage technology she enjoys spending time with her husband, Vern and fur baby, Peanut.

Kelle had spent eleven years running Encompass environments for several lending entities prior to her move to ICE Mortgage Technology in the fall of 2021. Her experiences designing workflows, assisting end users, and even jumping in to assist with operations functions sparked a passion for providing intuitive and efficient solutions to the mortgage industry. Today she is very excited to be driving automation initiatives to directly deliver opportunities for greater efficiency to lenders.

With 38 years in the mortgage banking industry, Larina Wilder is an experienced leader specializing in mortgage technology support, and document solutions. Currently serving as Senior Manager of Document Services within the Professional Services Organization (PSO) at ICE, Larina leads a dedicated team of Product Solutions Analysts supporting the Encompass Docs Solution.

Leading up to her current position at ICE, Larina played a key role in driving business analysis and project management initiatives that streamlined and enhanced loan origination processes. Having previously managed mortgage operations and support teams, Larina brings a wealth of cross-functional expertise to the table.

Passionate about fostering a collaborative and supportive team environment, Larina thrives on helping teams and clients achieve their goals and overcome challenges. Known for her commitment to efficiencies and process improvements, Larina is deeply committed to building strong relationships and delivering solutions that meet the evolving needs of the mortgage industry.

Outside of work, Larina resides in Southern Idaho with her husband, Michael, their son, Zach, and their two dogs, Lucy and Ricky. Recently, Larina has taken up golf, enjoying the challenge and the opportunity to spend time outdoors.

Brad brings 29 years of mortgage software experience to his role as SVP, Portfolio Product Manager in the Servicing Technologies Product Innovation organization at ICE Mortgage Technology.

In his current position, Brad guides the Data, Integration, and Automation value stream. This value stream is dedicated to enhancing efficiency, quality, and consistency in business process automation through system-driven, actionable data analytics, business intelligence, and operational data delivery. Key solutions under Brad’s leadership include Passport, the Actionable Intelligence Platform, including the Breach and Foreclosure eligibility automation solutions. Additionally, his team manages business-to-business data access, encompassing data oversight, trending, and management with products such as BDE, eCDE, MWS, Eventing, Passport data, and RDO file delivery.