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.

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.

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.

Jake Wood is the Executive Chairman of Team Rubicon and Founder and CEO of Groundswell.

An award-winning entrepreneur, two-time author, and recognized expert on topics of leadership, organizational culture, and crisis management. Wood recently founded Groundswell, a revolutionary venture-backed financial technology company that is looking to disrupt philanthropy and employee compensation by making personal charitable foundations as common as 401(k)s. Groundswell believes that everyone should be able to give like Gates, get taxed like Buffett, and get recognized like Rockefeller.

Wood is also the founder and Executive Chairman of Team Rubicon - the fastest growing and most innovative disaster response organization in the world. Since 2010, Team Rubicon has grown to over 150,000 volunteers and responded to nearly 1,000 crises around the world and the United States. Under Wood's leadership, Team Rubicon developed a reputation for its corporate culture, and was named one of the top nonprofits to work for in America five times.

Prior to Team Rubicon, Wood served as a Marine Corps scout-sniper with combat tours in Iraq and Afghanistan and was a varsity football player for the Wisconsin Badgers. He is the author of Once A Warrior, a memoir detailing his time in war and disaster zones around the world that legendary journalist Tom Brokaw said was "the book America needs right now."

Subscribe to Jake's newsletter on LinkedIn: Jake's Takes

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.

Cecilia Choy is the Chief Operating Officer of ICE Mortgage Technology and is focused on optimizing the commercial success, solutions and resourcing of the business. Cecilia has worked in various roles within ICE, including in the global exchange and data businesses and most recently in M&A and integration. Previous to ICE, she was part of the business management team in the sales and trading divisions of Barclays and Goldman Sachs.

Justin Alexander is the Director of Collateral Strategy & Innovation at Fannie Mae, managing a team that focuses on modernizing the home valuation process. Responsible for testing new technologies and ways to enhance collateral risk management, Justin’s team assesses ways to leverage tools such as geographic information system (GIS) data and image recognition. Justin began his industry career with over 17 years of appraisal experience and spent the last 7 years focusing on data analysis, risk strategy, and appraisal modernization, Before Fannie Mae, Justin worked at First American Financial Corporation, building and enhancing products. Before that, he worked at CoreLogic, leveraging his industry experience as a fraud and risk strategist and industry solutions advisor.

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 the Mastering Encompass® 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.

Bridget Berg is Senior Director, Fraud Solutions, for CoreLogic, where she leads the delivery of fraud risk management solutions to the mortgage industry. With over 25 years of major financial institution experience and over 10 years working with the LoanSafe product at CoreLogic, she has focused on all aspects of mortgage fraud, from managing investigations and developing fraud risk programs to large-scale fraud analytics for the industry.

Mike Brown is Chief Product Officer at Xactus. In his role, Brown spearheads the development and execution of Xactus’ product vision. His responsibilities include overseeing the entire product lifecycle, from ideation and development to launch and implementation. Additionally, he will focus on identifying and analyzing emerging industry trends to ensure optimal product-market alignment, further solidifying Xactus’ position as a leader in the verification and fintech spaces. Prior to his role as Chief Product Officer, Brown served as the firm’s Chief Integration Officer.

With over 30 years of experience in the financial services industry, Brown has focused much of his career on verification solutions and related mortgage and financial products. Prior to joining Xactus, he served as Chief Executive Officer of CIS, which was acquired by Xactus. He is an active board member of the industry trade association National Credit Reporting Association (NCRA) and has previously served as its vice president, treasurer, and president. A graduate of Robert Gordon’s University in Scotland, Brown brings a global perspective to his work.

Michele joined American Pacific Mortgage in January 2014 to lead and develop APM’s Information Services Team. She is responsible for the overall daily operations and strategy of all APM infrastructure, systems, software applications, data, development, technical support, and security, supporting the organization at a nationwide level. She acts in the role of CIO, CTO and CISO.

Michele brings a diverse range of skills and experience to APM spanning 30 years in the mortgage finance industry and holding leadership roles in both operations and in technology. She has extensive experience in business process design and development, software design, development and implementation, system integrations, vendor management, project management, infrastructure design, cloud transformation, customer support, security operations, and business relationship management.

Originally a resident of Silicon Valley, Michele received her bachelor’s degree from California State University - East Bay. She currently resides in El Dorado Hills, California.

Outside of Work, Michele enjoys camping in the sierras and spending time at the beach with her family. She loves to read, and truly enjoys learning new things. She’d be a professional student if she could! She is also an avid fan of classic cars and hot rods and owns her own 1971 Chevy Stingray Convertible Corvette!

Will Caldwell is the founder and CEO of Snap, an ICE Affiliate that specializes in flood, hazard, and fraud analytics. Will has been instrumental in leading these critical efforts, ensuring that Snap remains at the forefront of the industry. He holds a bachelor’s and master’s degree in accounting from the University of San Diego.

Jason Cave serves as Senior Vice President of Government Affairs for Mr. Cooper Group, leading our engagement on legislative, regulatory, and policy priorities across our stakeholders and business partners in Washington, D.C.

Jason brings 30 years of regulatory experience to Mr. Cooper, serving in key leadership roles at the Federal Housing Finance Agency and Federal Deposit Insurance Corporation.

Jason led the team responsible for managing the FHFA Conservatorship program, establishing capital, liquidity, recovery and resolution standards for the GSEs and nonbank counterparties. Jason oversaw the successful implementation of the Uniform Mortgage-Backed Security program, providing greater liquidity and efficiency to investors. Jason launched the FHFA’s Fintech Office, working closely with mortgage and tech industry leaders to modernize loan origination and servicing processes.

Jason served as the top representative to the Basel Committee on Banking Supervision, establishing capital and liquidity rules for large, internationally active banks. Jason served on the Financial Stability Oversight Committee’s Deputies group, responsible for monitoring systemic risk and the nonbank designation process. After the financial crisis, Jason helped stand up the FDIC’s large bank risk and resolutions program.

Jason holds a Bachelor’s Degree in Business Administration from Bryant University and is a CFA Charterholder.

Jag Chopra is an accomplished executive with extensive experience in directing and managing strategic and tactical business and technology solutions. His expertise spans across Wholesale, Correspondent, Retail, Consumer Direct, and various banking channels, with a strong focus on Business Process Re-engineering (BPR) and Change Management. Jag’s deep understanding of mortgage banking processes, from small to large enterprises, enables him to effectively address the unique challenges in each of these spaces. As an early adopter of automation technologies, he has established himself as a thought leader in the integration of Automation and AI within the mortgage industry.

Currently serving as the CIO at The Loan Store, Inc., a national wholesale lender, Jag is dedicated to cultivating an exceptional company culture. Under his leadership, The Loan Store has earned a 5-star reputation by prioritizing partner satisfaction through superior customer service and streamlined processes. The company achieved remarkable success, ranking first in growth among all mortgage banks in the country, with a year-over-year increase in funded loans exceeding 2,100%.

Originally from India and raised in Montreal, Canada, Jag earned his Engineering degree from McGill University before moving to the United States where he received his MBA in Finance and MIS at the University of Arizona. Now residing in Tucson, AZ, Jag lives with his wife, Valerie, and their three children, Kavi, Hannah, and Mehr. In his free time, he enjoys sports, playing chess, and is an avid runner.

Bill Colbeck is Vice President of Technology at Rate, where he leads teams across a diverse set of products, including PPE, Investor Delivery, Fees, Digital Closing, and Encompass. With over 15 years of experience in the mortgage industry, spanning both originations and servicing, Bill is dedicated to delivering award-winning technology solutions. His commitment to excellence is evident in his focus on best-in-class consumer experiences, leveraging data to drive innovation and operational transformation. Bill's ability to integrate cutting-edge technology with a deep understanding of consumer needs has been instrumental in driving success and growth.

Dickerson joined FHFA upon its founding in 2008 as the Agency’s first Deputy Director of Enterprise Regulation. Since then, he has held numerous leadership positions throughout his tenure at FHFA, including Examiner-in-Charge of Freddie Mac (November 2015 to April 2018) and Special Supervision Advisor in the Division of Enterprise Regulation (April 2018 to November 2021).
Dickerson spent nearly 11 years at FHFA’s predecessor agency – the Office of Federal Housing Enterprise Oversight – serving as Director of Supervision (December 2007 to July 2008) and as Chief Compliance Examiner (December 2003 to December 2007). He graduated from the University of Alabama at Birmingham with a degree in Accounting.

Carrie Doyle serves as Vice President of Business Development - Digital Alliances for Mortgage & Housing at Equifax. As part of the Connector Partner group in Equifax’s Mortgage & Housing business, she manages strategic third-party technology and competitive relationships, focusing on connection, distribution, and collaboration with internal and external partners. With over 30 years of experience in the mortgage services industry including financial tech, credit, title, appraisal, and settlement services, Carrie drives foundational, incremental and transformational opportunities to extend the reach of Equifax to the market.

With over 20 years in the industry focusing on training, development, and technology, I have honed a deep passion for blending high-tech solutions with a personal, human touch. As the Director of Training and Business Development, I thrive on leveraging innovative tools and systems to enhance both our employees' professional growth and our clients' journey through mortgage financing. My role allows me to deeply connect people and technology, continuously improving processes to deliver exceptional experiences on all fronts.

Frank Fiore began his career in the financial world on Wall Street. During this 10-year period, he worked at Nomura Securities, Lehman Brothers, and Morgan Stanley, where he gained an appreciation for the balance between the services needed by front-office production units and the support needed by the operations teams. He has managed this balance successfully throughout his career, which has aided him throughout all the companies he worked for.

In 1998, Frank had a unique opportunity to join a growing mortgage company close to home in Long Island, New York. Frank enjoyed a 15-year period at Premium Capital Funding, where he filled multiple Operational positions over the years, such as C.F.O. and Head of Secondary, before becoming the Chief Operating Officer.

Frank Fiore is the President of matchbox LLC and one of the founding partners of Ignite Integration Solutions, Inc. Both firms focus on mortgage banking operations in two areas: improvement in the use of technology and the understanding of the secondary markets. matchbox and Ignite are celebrating their 15 and 10-year anniversaries, respectively, and focus on working with clients to implement improvements on the operational side that resulted in increased profitability.

Frank is a graduate of Saint John’s University and the Mortgage Bankers Association Future Leaders program. He is a member of the Secondary and Capital Markets and Residential Technology Forum, and President of the MAAC committee with the Mortgage Bankers Association. Matchbox and Ignite have been part of the ICE Mortgage Technology Partner programs for years.

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 the Executive Vice President of Operations at Lennar Mortgage, Maria is responsible for the strategic direction of our operations, finance, credit, and capital markets functions.

She joined the company in 2023, after a 30-year career in mortgage and investment banking. She recently served at the Chief Investment Officer and Chief Financial Officer of Home Point Capital Inc. As a founding member of Homepoint, she held many leadership roles and successfully steered the company through the pandemic, a public debt offering and an IPO. Maria is a recipient of many awards including Global residential Mortgage Deal of the Year in 2002 and 2019 Women with Vision. Maria serves on the Board of Directors of Interlink Electronics (NASDAQ:LINK) where she serves as audit chair.

Maria is from Buffalo, NY where she received a Bachelor of Arts in Economics from SUNY Buffalo State and a Master of Business Administration from the Simon School at the University of Rochester. She lives in Boca Raton, FL where she enjoys SCUBA diving for tropical fish with her husband and son.

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.

Giuseppe Grieci is a Senior Director of Strategic Partnerships, Pricing and Business Development within Seller Engagement within the Freddie Mac Single-Family Acquisitions Division. He leads business development, secondary market partnerships and pricing strategy.

He is responsible for ensuring Freddie Mac takes a holistic approach to how we best position ourselves to purchase a book of business that meets established mission and goals while supporting the Enterprise Regulatory Capital Framework.

With nearly two decades of experience in residential lending, capital markets and technology, Mr. Grieci’s unique skillset helps Freddie Mac solve Seller’s common business problems and make home possible.

Prior to joining Freddie Mac in 2020, Mr. Grieci spent five years at Fannie Mae as an Senior Account Executive for the Capital Markets Pricing and Sales Desk and, later, as an Alliance Manager focused on cultivating and growing relationships for technology partners in the Product & Pricing, Secondary Market, and Capital Markets spaces.

He also held various roles at Cantor Fitzgerald, most notably on the Origination Sales Desk, where he focused on managing lender relationships and providing liquidity to mortgage lending institutions.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

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.

Emmitt Hero Director, Demand Generation and Lead Strategy | Mortgage Industry Expert | Air Force Veteran

With over 20 years of experience in the mortgage industry, Emmitt brings a wealth of expertise in Sales, Demand Generation, Lead Management Strategies, and Business Controls. Throughout his career, he has successfully leveraged data-driven strategies to drive growth, improve operational efficiency, and enhance customer acquisition and retention.

Having held various leadership roles, Emmitt is known for his deep understanding of market dynamics and his ability to create scalable solutions that align with organizational goals. His experience spans from developing high-impact sales initiatives to optimizing lead management processes, ensuring both short-term success and long-term sustainability.

An Air Force veteran, he brings a disciplined, mission-focused approach to his work, with a commitment to excellence and continuous improvement. This background also instilled in him a strong sense of integrity, adaptability, and teamwork—values that he carries into every professional challenge.

Rick Hill is the Vice President of Industry Technology at the Mortgage Bankers Association and acting MISMO President. He is responsible for managing MBA’s technology initiatives within the real estate finance industry, managing MBA’s technology committees, and developing technology content for MBA conferences and events.

Before joining MBA, Hill was the Director of Data Strategy at Fannie Mae, where he was responsible for data standards and best practices, data management including the company's data warehouse, and managing the relationship with regulatory agencies relating to information requirements.
Hill began his career as a senior auditor at Deloitte, after earning his B.B.A. in accounting from The College of William and Mary. He is also a Certified Public Accountant.

Shane Horan is a Senior Vice President and Director of Mortgage Strategic Initiatives for SouthState Bank’s Mortgage Division. He has 12 years of Mortgage experience in retail, wholesale and correspondent lending. Shane got his start on the operations side of mortgage, spanning from Loan Processing, Post Closing and Quality Control and moved into Encompass Administration and broader mortgage technology. Shane is a graduate of the University of Georgia and the Terry College of Business.

Brant Imperatore is a seasoned public policy advisor and advocate known for his strategic approach to government relations. He specializes in integrating policy engagement with broader business objectives, helping clients navigate complex regulatory and legislative landscapes.

With over 15 years at Mindset, Brant has developed deep expertise across industries—including financial services, energy, technology, and trade—building a reputation for delivering results. He is a natural relationship-builder, fostering connections on Capitol Hill, within the executive branch, and across key stakeholders such as communications firms, nonprofits, and think tanks.

Before joining Mindset, Brant honed his skills as a partner in other lobbying and law firms and served as Counsel for the House Financial Services Committee’s Subcommittee on Capital Markets, Insurance, and Government-Sponsored Enterprises. His breadth of experience positions him as a trusted advisor for clients seeking to engage effectively in the policy arena.

Ryan Jerome is the CEO and Founder of KensieMae, a Massachusetts-based professional services and technology company providing industry-leading software, web solutions, automation, development, education, training, and consultation services for the mortgage lending industry.

Ryan has over 20 years of mortgage banking and industry experience in positions ranging from CEO to Director of Operations, SVP, EVP, and CSO. He’s managed all aspects of the lending process, from origination to servicing in retail, correspondent and broker TPO, and specialized lending product platforms. In addition to extensive industry experience with multiple lending platforms and technology, Ryan’s mortgage career includes gaining his FHA DE authority, RD, and USDA underwriting experience along with operations, compliance, secondary, and regulatory management.

Ryan and his wife, KensieMae co-founder Courtney, live outside Boston, Massachusetts, where they have four children, three dogs, two cats, and countless peacocks, emus, chickens, ducks, goats, llamas, cows, and ferrets.

Kevin Kauffman is the Senior Vice President of Seller Engagement in the Freddie Mac Single-Family Acquisitions Division. He leads the sales and marketing teams, in addition to driving Seller and partner adoption of our products and services. Focusing on end-to-end Seller experience, he seamlessly connects Seller business needs with our innovative technology solutions.

With a career spanning more than 20 years in both mortgage operations and technology, Mr. Kauffman gained a deep understanding of the loan manufacturing process in the primary mortgage market and combined his experience with building and marketing cutting-edge, end-to-end mortgage technology. His previous work experience includes various leadership roles with Citi, Chase, FIS and Fannie Mae.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we've made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.

Jonathan Kearns is MISMO’s Vice President of Technology. Recognized as a thought leader in the mortgage technology space, Jonathan has substantial experience developing technology and product strategy, including over a decade of experience with electronic signatures, eVault’s and the eClosing process. Previously Jonathan was Senior Vice President of Technology at DocMagic, Inc., where he was responsible for their digital mortgage platforms.

Steve Lemmon is the Chief Marketing Officer of Consumer Direct Originations for Lakeview Loan Servicing, currently the largest owner of MSR servicing rights in the country. In this role, he oversees all marketing strategy and operations aimed at recapturing any origination opportunity within the servicing portfolio.

Having spent his entire career in mortgage, he's held various positions from loan originator to lead management to leading retention marketing strategies. Before joining Lakeview, he led Purchase recapture marketing efforts at other large servicers including Mr Cooper and Wells Fargo.

Sam Lerner is a seasoned professional, with over 25 years of experience in the Finance and Technology space. He has a distinguished career in the mortgage and financial services industry. As one of the first ever certified administrators in Encompass, Sam has been at the forefront of loan origination system management and implementation for many years. With a proven track record of successful system implementations, Sam has consistently demonstrated expertise in optimizing and configuring complex systems to meet the evolving needs of the industry.

Sam joined JPMorgan Chase 2023, bringing a wealth of knowledge and experience to the team. Currently, Sam plays a pivotal role in driving the configuration and expertise for Chase's active Correspondent loan origination system migration. Sam is also recognized for his contributions to project management, vendor relations, and cybersecurity, and holds certifications such as Encompass Certified Admin and CompTIA Network+. Sam has held key roles such as Lending Platform Lead at Promontory MortgagePath, Director of Lending Information Systems, and Director of IT at Norcom Mortgage & Insurance where he managed teams, enhanced system workflows, and implemented automation to improve efficiency and compliance.

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.”

Megan Moore is a Partner in the Government Affairs, Policy and Advocacy division at FGS Global. At the firm, Megan provides strategic counsel on policy, politics, and process to clients in a range of industries. Her significant experience and relationships with Members of Congress, regulators and the Administration enables her to help clients successfully anticipate and navigate the often choppy and frequently unpredictable public affairs sea, and tell the right story to the right people.

Prior to joining FGS Global, formerly the Glover Park Group, Megan was a Special Advisor to Federal Housing Finance Agency Director, Mel Watt. She advised the Director on supervisory and regulatory matters that impacted Fannie Mae and Freddie Mac and the Federal Home Loan Banks. During this time, Megan also served as the Acting Senior Associate Director for the Office of Congressional Affairs and Communications.

Previously Megan worked at the U.S. Department of the Treasury during President Obama's Administration as Deputy Assistant Secretary for Housing, Small Business and TARP in the Office of Legislative Affairs. During this time, Megan worked on the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Troubled Asset Relief Program, the Small Business Jobs Act of 2010, the Making Home Affordable program, and housing finance reform legislation.

Megan also worked in the U.S. House of Representatives for Representative Jesse L. Jackson, Jr. primarily managing the Congressman's assignment to the Appropriations Subcommittee on Agriculture.

Megan’s early career started in Michigan working three campaign cycles including as Regional Field Director for Obama for America in 2008.

Megan holds a Master’s Degree in Public Administration from Baruch College and a Bachelor’s Degree from Howard University. Megan is originally from Chicago and currently resides in Washington D.C.

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.

Vishwesh is the Executive Director of Software Engineering at JPMorgan Chase, possesses over a decade of expertise in home lending and the implementation of various loan origination systems. He has harnessed technology to drive efficiency, automation, and elevate the customer experience. Vishwesh has played a crucial role in spearheading the implementation of ICE solutions and Encompass Loan origination system at JPMorgan Chase.

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.

Cecelia Raine is vice president of servicing strategy and integration in the Freddie Mac Single-Family Portfolio & Servicing Division. She leads several ongoing initiatives related to transforming how our servicing partners experience doing business with us. Her responsibilities also include modernizing several technology tools under our comprehensive Reimagine Servicing® initiative. This includes strategic solution design, delivery and industry adoption of the first-ever servicing-related APIs.

Ms. Raine has worked in the mortgage industry for over 30 years. Prior to joining Freddie Mac, she held a variety of positions at Black Knight Financial Services for 10 years, including senior vice president, strategic consultant and account director in business intelligence. Her experience also includes working at Fannie Mae for 11 years as a senior portfolio manager and special projects leader. Prior to that, she held leadership positions with several Servicers, transforming default areas through process overhaul, leveraging technology and vendor partnerships, and participating in the development of new and innovative loss mitigation tools.

Ms. Raine graduated magna cum laude with a bachelor’s degree in business administration from Medaille College. She was recognized with Five Star’s 2022 Trailblazer Award and as one of the HousingWire 2021 Tech Trendsetters and 2020 Women of Influence. She has also been recognized for her industry knowledge and community service by Buffalo Business First and has held board member positions with the National Multiple Sclerosis Society and the MBA of Western New York.

Christina Randolph is Vice President of Distribution within Seller Engagement in the Freddie Mac Single-Family Acquisitions Division. She oversees distribution of Freddie Mac tools and capabilities into the marketplace through a multi-channel model designed to focus on an easier and more efficient way to do business with Freddie Mac. Her group — comprising Partner Strategy and Integration, Business Development and Customer Service — is responsible for engaging with thousands of lending institutions, software platforms and third-party data providers, as well as consumers across the mortgage ecosystem.

Since joining Freddie Mac in 2018, Ms. Randolph has contributed efforts to enhance the loan manufacturing experience by developing new operating models and improving how we engage with channel partners to optimize lender adoption and use of Freddie Mac products and tools across the mortgage lifecycle. Her team focuses on providing superior customer and partner support experiences, as well as identifying impactful and meaningful partnership opportunities to help mitigate risk, lower origination costs, increase efficiencies and further digitize the mortgage industry.

With over 25 years of experience in both the mortgage and technology industries, she has held various roles in sales, operations, implementations and product management at Fannie Mae, FIS, Chase, Countrywide and PHH. In her career, she is dedicated to transforming the mortgage experience by bridging the gap between business process and technology.
Ms. Randolph holds a B.S. in finance from Rutgers University. She was recognized with HousingWire’s 2024 Women of Influence Award and the MBA Newslink 2023 Tech All-Star Award.

Scott Reuter is the Chief Appraiser and Director of Valuation for the Single-Family business. His team leads the ongoing development and refinement of property valuation risk management strategies, underwriting products, and establishing and maintaining a credible quality assurance process across multiple lines of business support.

Mr. Reuter and his team also interact with both Sellers/clients and stakeholders across the appraisal industry to reinforce Freddie Mac’s quality standards.

Scott is a State Certified-General Appraiser with over 30 years of experience in valuation, appraisal and collateral risk management concerns. Prior to Freddie Mac, he held management positions with Bank of America, Goldman Sachs and GE. He is a recipient of GE’s America Award for outstanding contribution to the business and has recently been recognized as the CRN (Collateral Risk Network) 2021 Valuation Visionary.

Mr. Reuter holds a B.A. from The Ohio State University and has completed the executive leadership program at Cornell University’s Johnson School of Business.

Freddie Mac provides liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities by providing mortgage capital to lenders. Today, Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. For more information, please visit www.FreddieMac.com and follow us on Twitter @FreddieMac.

Michelle is chair of Cooley’s financial services enforcement and regulatory practice group, sits on the firm’s board of directors, and is a highly respected financial services and government enforcement lawyer. She is a trusted adviser to and first call for financial institutions in high-stakes compliance, litigation and enforcement matters, including government investigations, regulatory examinations, class action and complex litigation, internal investigations, congressional investigations and crisis management. Michelle’s clients appreciate her deep understanding of complex regulatory issues and ability to translate those concepts into operational terms, as well as her proactive approach to problem solving. A tireless advocate for her clients, Michelle is recognized in the industry for her broad experience, practical advice and strategic thinking.

Jennifer Rowen brings more than 25 years of banking experience to her role as Senior Vice President, Core Operations. In this role Jennifer is responsible for the oversight of Bank Operations, Payoffs, HELOCs and Special Products. Prior to Chief Compliance Officer and BSA Officer for Cenlar FSB. Jennifer was formerly the Chief Compliance Officer where she was paramount in building a compliance management program. She was also responsible for regulatory change management, program management, compliance training, BSA/AML/OFAC and compliance advisory services. Prior to that joining Cenlar in 2016 she was Vice President, Compliance Officer at The Bryn Mawr Trust Company, and Compliance Officer at Continental Bank. Jennifer is a Certified Regulatory Compliance Examiner (CRCM), a Certified Anti-Money Laundering Specialist (CAMS) and a graduate of Penn State University.

Heather Rowland joined the Residential Mortgage team in 2006, and has enjoyed the ever-evolving mortgage industry ever since. As a behind-the-scenes expert, she develops efficient workflows and configures software systems that streamline the mortgage process for both her colleagues and their clients. Originally from the interior of Alaska, Heather brings a detail-oriented approach to her work. When she is not optimizing systems, you can find her shopping online, enjoying the outdoors with her family, or experimenting with new recipes in the kitchen.

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.

Diego Sanchez is a digital media veteran with over a decade in executive management. Diego has had senior leadership roles at Travelzoo, Rodale, Adtelligent, and now as President of HW Media.

In his role as President of HW Media, Diego manages the day to day business including sales, editorial, technology, events, and subscriptions. In 2020, he was named Digital Executive of the Year by FOLIO:

Diego received his BA from Harvard University and his MBA from Columbia University. He lives with his wife and two boys in Brooklyn, NY.

I started in the mortgage industry with DataVerify in 2012 as an inside sales rep and worked my way up to an Enterprise Relationship Manager role managing some of our largest customers. I really enjoy helping my clients by bringing innovative solutions to the table to improve their origination process and borrower experience.

I am married with two beautiful bonus kids and a grandson! I also have a spunky 14 year old boxer named Tyson. My husband and I are both musicians who play together in a band around St. Louis.

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.

Patrick Sullivan is vice president of industry relations and compliance for Assurant. Patrick is an expert in insurance and mortgage regulation and enforcement. He brings a unique experience in risk, governance, and compliance professional with foundational experience in audit, credit policy, business development, and M&A integration.

Jimson Tharayil brings 18 years of experience in the insurance industry, combining expertise in technology, innovation, and strategic growth. As the Vice President of Strategic Partnerships at Acrisure, he specializes in helping enterprise relationships unlock significant, recurring revenue streams through embedded insurance solutions. Prior to joining Acrisure, Jimson co-founded and served as the CEO of a cutting-edge employee benefits technology platform BenRevo, where he pioneered solutions to streamline day to day workflows of benefits brokers. A graduate of the University of California, San Diego, Jimson holds degrees in Biochemistry and Economics. At the conference, Jimson will share his insights into the impacts of the homeowners insurance market on overall home affordability.

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.

With over 20 years of experience in the credit union industry, Dianne Webb is a seasoned Systems Manager specializing in mortgage platform setup and administration. She has a strong focus on Member Service and works to improve back-end processes, particularly with Encompass. Dianne is known for her passion for service and the ability to align systems with organizational goals to improve operational efficiency and the borrower experience. Throughout her career, Dianne has successfully implemented data-driven, service-oriented workflow enhancements that streamline processes and drive results. Dianne's expertise drives innovation and contributes to the credit union's success, ensuring operational excellence and an outstanding experience for every Member.

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.

For the past twenty-five years, Mr. Zehnle has developed considerable experience and executive leadership in real estate operations, commercial and residential lending, and financial services. In his current role at Mission Capital, Dennis is responsible for Regulatory Compliance and Technology Development in the Residential Due Diligence unit. He also participates in management-related strategic and corporate development matters. Mr. Zehnle joined Global Financial Review in August 2013 and following the merger with Mission Capital he was Chief Operating Officer. Prior to joining Mission Capital, he was Vice President of Finance and Operations for a $350 million commercial real estate lender where he was responsible for finance and loan operations. Mr. Zehnle holds a Bachelor of Arts degree in Accounting and Business from Western State University of Colorado along with an MBA from the Pepperdine University Graziadio School of Business and Management.

Ed Addvensky is Vice President, Global Client Development and is responsible for the Fixed Income and Data Services business of ICE. In this capacity, he leads the company’s Relationship Management, Sales, and Business Development functions in the Americas and the relationship with its global accounts through the leadership of the Global Relationship Manager team. These teams focus on ensuring client satisfaction, growth, and retention through the development and management of customer relationships across its Pricing, Index and Analytics, Reference Data, Connectivity, and Real Time Feed offerings. Ed previously held several Sales and Sales Management roles for Interactive Data Corporation, which was acquired by Intercontinental Exchange (ICE) in late 2015. He holds a Bachelor’s degree in Finance from Boston College and a Master’s degree in Business Administration from Fordham University.

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.

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.

Maureen Bagne is a Servicing Solution Manager for ICE Mortgage Technology responsible for the strategic direction for several products specific to the customer experience. Maureen has more than 30 years of mortgage servicing and technology experience. She is has a Masters in Business Administration from Canisius College, Buffalo New York.

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.

Nick heads two sales team at ICE focused on expanding the capabilities of the Encompass platform. With over five years of mortgage technology and mortgage marketing experience married with 20 years of software experience, lenders look to Nick to recommend solutions to business problems and not just software.

Drawing on his background in software engineering, Nick is a process focused leader with an eye on delivering value and creating efficiencies. He has hosted dozens of webinars, trainings, presentations and panels across the mortgage, fintech, manufacturing, security and medical industries.

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.

Cathy Blaszyk is Director of Partner Development at ICE Mortgage Technology. In her role, she works closely with the entire Partner Alliance team who serve the day-to-day needs of our integrated partners on Encompass. Previously, Cathy spent the last six years managing some of Encompass Network’s largest partnerships as well as identifying, building, and procuring new strategic partner initiatives. She works closely with Ice Mortgage Technology’s cross-functional teams to optimize the adoption of the Encompass Network’s products and services to help lenders realize workflow efficiencies.

Prior to joining ICE Mortgage Technology, Cathy spent 7 years with ClosingCorp, Inc. a premier source of intelligence for closing costs and service providers in the U.S. Cathy helped launch their flagship data solution, the SmartFees® Service. In her role as vice president of Client Relations, she developed and maintained key client relationships with banks, compliance software firms and LOS partners who depend on this service. Cathy was also responsible for keeping up with regulatory changes involving RESPA-TILA and the CFPB's "Know Before You Owe" initiatives that impacted her clients. She has participated in several MBA panels regarding Technology and Regulatory Compliance.

Prior to joining ClosingCorp, Cathy spent two decades in residential lending as a mortgage banking executive and has represented direct lenders including Bank of America and CitiMortgage.

Cathy graduated from San Diego State University with a Bachelor degree in Business Administration with an emphasis in Marketing. She currently holds a California Bureau of Real Estate license.

Paul Brazelton is the Director of the API Program at ICE Mortgage Technology. With over 25 years of experience in the information technology industry and more than 15 years dedicated to the mortgage sector, Paul has established himself as a technology leader. His career includes significant roles at both ICE and a major servicer, where he has driven technological advancements and innovation. Paul is a graduate of the Pacific Coast Banking School, class of 2023, and continues to leverage his extensive expertise to enhance the API Program and deliver cutting-edge solutions to the mortgage industry.

Angela, as VP and Counsel of Product Compliance, leads a team of regulatory attorneys who are responsible for providing advice, implementing, and maintaining automated residential mortgage lending compliance in ICE Mortgage Technology’s origination and Mavent’s software applications and systems. For more than 32 years she’s focused her career on operations, lending, real estate, and business law, working primarily with financial institutions, mortgage lenders, and technology companies. Angela began her career as Operations Product Counsel for CFI ProServices, Inc. (now D&H). She also maintained a business law practice at Farleigh, Wada & Witt PC, representing financial services companies, financial institutions, and mortgage companies on regulatory, operational, compliance, privacy, and licensing issues. Angela is a member of the California and Oregon bar associations, a member of the American Bar Association Business Law Section, Committee on Consumer Financial Services, and a Certified Compliance and Ethics Professional. She’s an author on a variety of consumer financial services topics, and her articles have appeared in American Bar Association's Business Law Journal, Origination News, and National Mortgage News. In 2013, Angela was named one of HousingWire’s Women of Influence. Angela is a graduate of University of the Pacific, McGeorge School of Law (J.D. 1992) and Pacific Union College (B.B.A. Management 1987; B.A. French 1987)

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.

Mary-Margaret is Principal Consultant in the Professional Services organization focused on Escrow and Customer Service areas of MSP^®. She has 18 years of experience in the mortgage servicing industry and has been with ICE for 7 years. During Mary-Margaret's time with ICE, she has been a Consultant or Lead Consultant on a variety of New Client Implementations, Acquisitions & Business Reviews/Optimizations.

Heather Clark is the Deputy Chief Compliance Officer at ICE Mortgage Technology. She is responsible for administering the ethics and compliance program and for overseeing product compliance within the organization. For the past 25 years, her career has been focused on consumer financial laws and regulations, working primarily with mortgage lenders, fintech and technology companies. Prior to joining ICE Mortgage Technology, Heather was the Vice President of Mortgage Compliance at a fintech company, where she oversaw the compliance program for its mortgage lending division. Heather also served as Executive Vice President, Associate General Counsel and Compliance Officer for a national mortgage lender. In addition, Heather worked in the Financial Institutions Regulatory Practice Group at the Offit Kurman law firm, where she advised clients on consumer finance laws and regulations. Heather was also the Vice President of the subsidiary of Offit Kurman, Strategic Compliance Partners, a compliance consulting firm, which provided clients across the nation with practical and strategic assistance on regulatory examinations, federal and state lending requirements, and on the implementation of these requirements into business operations. In the early part of her career, Heather also spent eight years working in the title insurance industry. Heather holds a Bachelor of Science in political science, cum laude, from the University of Utah and a Juris Doctor from the George Mason School of Law. She is a licensed attorney in the District of Columbia, Texas, and Virginia.

Chao Cong is vice president of Business Strategy for the Data & Analytics division of Black Knight, Inc., now a part of ICE, a Fortune 500 company that is transforming and digitizing the U.S. residential mortgage process, from consumer engagement through loan origination. Black Knight is a premier provider of software, data and analytics to the mortgage and consumer loan, real estate and capital markets verticals, where Chao plays a critical role in providing the data and research for key stakeholders across the mortgage industry. This includes overseeing Black Knight’s Home Price Index (HPI) and its Index Suite, which complements the HPI with an overview of prepayment and credit market performance, as well as insights into the status of the origination market and real estate market.

She also leads a diverse group of data-focused professionals and is responsible for Black Knight’s analytics solutions, including the AFT℠ Prepayment and Credit Model, which provides a suite of cutting-edge behavior modeling solutions for agency, non-agency, whole loans, HELOC, HECM, CRT and agency CMBS.

Chao earned her master’s degree and is a candidate for a doctorate degree in economics from the University of California, San Diego. In addition to her financial services modeling and leadership experience, Chao is a CFA® charter holder and a Financial Risk Manager (FRM), as well as an author and researcher for industry white papers. Chao has also served as a panelist in multiple industry conferences, including those held by the Structured Finance Industry Group (SFIG) and the Information Management Network (IMN). Chao’s exceptional contributions to the industry were recognized by HousingWire, which selected her as a 2020 Women of Influence.

Amy Cross is a mortgage technology veteran currently serving as the Director of the ICE Mortgage Technology Developer Platform. 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.

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 brings over 25 years of software industry experience to his role as the Vice President of Product Management at ICE Mortgage Technology. He is responsible for leading the product strategy for our Consumer Acquisition and Underwriting Automation Solutions. By leveraging the combined innovation across all divisions of ICE Mortgage Technology, from point of thought through the secondary markets, these products share a vision of delivering a superior user experience, reducing risk and creating operational and productivity efficiencies. Throughout his career he has been focused on mastering what drives engagement, acquisition and retention from both the consumer and user perspective and how technology can be used to enhance efficiency, quality and consistency, resulting in awareness and actionability.

Matt holds bachelor’s degrees in Marketing and French from Hillsdale College and studied at the Alliance Francaise, Paris

Tiffany Downs is a Principal Consultant in the Professional Services organization focused on the Special Loans area of MSP^®. She has over 20 years of experience in the mortgage servicing industry and has been with ICE for 17 years. Tiffany has supported various client engagements as Consultant or Lead Consultant on New Client Conversions, Acquisitions, Business Optimizations, Year-End, and Training.

Courtenay R. Dunn is Senior Director of Government Affairs for Intercontinental Exchange, Inc. (NYSE: ICE), a leading global provider of data, technology, and market infrastructure, and ICE Mortgage Technology. In this role, Dunn oversees the companies’ government relations, regulatory and legal affairs initiatives. Dunn currently serves on the National Housing Conference National Advisory Council and the Mortgage Bankers Association Affordable Homeownership Advisory Council. Dunn was honored as a 2022 Housing Wire Woman of Influence for her work with ICE. Previously, Dunn served as Counsel for ICE, and oversaw litigation and corporate law and governance matters for MERS.

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.

Debbie Evans is a Senior Manager in Professional Services leading a team of Special Loans Consultants. With over 30 years of financial/mortgage servicing experience, she has worked with many of the top banks and mortgage servicers supporting a wide range of projects, including conversions, product implementations, consulting, and training. 

Debbie’s area of focus includes special loans, year-end processing, escrow and customer service.

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.

Janet Fell, joined the ICE Mortgage Technology team in 2013 and currently works as the Vice President of the Solutions Engineering team to provide deeper dive more technical support to the ICE Mortgage Technology Sales, Business Development, Professional Services and Product organizations. With 40 plus years in the real estate and mortgage lending industry, Fell possesses diverse, broad-based and flexible management and technical skills. While working in the industry, Fell was an integral part of mortgage lending management teams at multiple independent mortgage banking companies. During her tenure she played a key role in assessing, developing and implementing automation of manual tasks, workflow and process modifications, design and implementation of systems enhancements. Fell was a key stakeholder in selection, development, implementation, documenting, training and roll-out of new loan origination, pricing and hedging systems as well as FHA Connection, key GSE tools such as Early Check, UDCP and ULDD.

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.

Conrad Ficca is an accomplished business executive with over two decades of experience in the financial services industry. He currently serves as the Vice President of Loan Data Products, a business unit of ICE Fixed Income and Data Services Division, and a leading provider of loan data analytics and insights.

Throughout his career, Ficca has demonstrated a deep understanding of the mortgage market and a commitment to delivering innovative solutions that help clients achieve their business goals. He has a proven track record of driving revenue growth and profitability, while also building strong relationships with customers and partners.

Prior to joining ICE Fixed Income and Data Services’ Loan Data Products, 19 years ago, Ficca spent 6 years learning the mortgage business at Home American Mortgage (MDC Holdings) and Stonecreek Funding.

Ficca is also a respected thought leader in the industry, sometimes speaking at industry conferences and events. He is known for his ability to aggregate and normalize complex datasets to produce actionable insights and has a passion for helping clients succeed.

Ficca holds a bachelor’s degree in Business Administration from Colorado State University with a concentration in Economics and Statistics. He still lives and works in Colorado.

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.

Penelope Griffis is a Senior Product Strategy Specialist with ICE Mortgage Technology. Penelope brings over 30 years' experience in the Mortgage Servicing industry with 20 of those years on the technology side. She has provided guidance to clients from a corporate accounting / cash perspective in various roles over the years, most recently on the MSP Product side.

Robby is a Principal Premier Services Engineer for the Premier Services team at ICE Mortgage Technology. Robby joined Ellie Mae in 2016 as a member of the Support organization and held positions from support analyst to team lead, before transitioning to the Premier Services team in 2018. Robby is an Encompass Certified Administrator and Developer, and has worked with numerous Encompass clients over the years on best practices as they pertain to Business Rules, DDM, Custom Fields, and Workflow management. Robby enjoys finding creative solutions to complex problems using Encompass and the various configuration tools that it offers.

With over 28 years of experience in collateral risk and valuation, John is a seasoned leader and strategist in the mortgage technology industry. He has held various roles at LPS, Fannie Mae, Collateral Analytics, and Black Knight, where he developed and implemented innovative products and strategies for property valuation and data.

As the Vice President of Digital Valuation Solutions at ICE Mortgage Technology, his focus is on creating solutions that bring transparency and simplicity to the home ownership journey by using digital twins and property data to enhance the accuracy and efficiency of valuation processes and products. He is a proud veteran of the United States Air Force, where he learned the importance of teamwork, integrity, and excellence.

Channing House is the Business Information Security Officer of ICE Mortgage Technology. He oversees the implementation of ICE’s cybersecurity strategy and is responsible for all matters pertaining to cybersecurity for the ICE Mortgage Technology business.

He previously served as the Director of Application and Cloud Security for Intercontinental Exchange. Channing joined ICE in June 2015 from Walmart where he engineered identity management systems and security tools as well as implemented vulnerability management programs across Walmart’s global ecommerce.

Channing holds a Bachelor of Science degree in Management Information Systems from the University of Alabama.

Laura Hunter is a seasoned product leader with over 25 years of experience in the mortgage technology solutions space. As Director of Product for the Servicing Division at ICE Mortgage Technology, Laura plays a pivotal role in overseeing and driving the development of early default and loss mitigation products. In this capacity, she works to deliver innovative solutions that help clients streamline operations, mitigate risk, and navigate complex industry challenges.

With an understanding of mortgage servicing and a passion for driving product excellence, Laura has been active in shaping the company’s product strategy, ensuring that ICE Mortgage Technology remains at the forefront of the industry. Prior to joining ICE Mortgage Technology, Laura held various leadership roles, contributing to the evolution of mortgage technology solutions, with a focus on optimizing efficiency and improving customer outcomes.

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.

Sam is the Portfolio Manager for consumer facing applications within the Servicing Technology group of ICE Mortgage Technology. In this role he overseas the the product management and strategy for a suite of capabilities that enable end-consumers the ability to self service all aspects of their Home and Loan. With 7 years of experience in developing Digital applications, Sam is passionate about leading cross functional teams in a "Customer First" approach. He holds a finance and business management degree from Elon University.

Jon Johnson is currently Regulatory Counsel with the compliance team at ICE Mortgage Technology. Jon focuses on providing compliance support to Simplifile.

Prior to joining ICE, Jon held compliance and management roles within the mortgage industry. Jon was the Chief Compliance Officer of mortgage document preparation vendor, Docu Prep, Inc., where he implemented a compliance program for document services. Jon also worked as the Compliance Manager at Castle & Cooke Mortgage, LLC, where he helped build and administer an effective compliance management program. Jon also worked as the Compliance Officer at mortgage document preparation vendor, IDS (International Document Systems), Inc., where he helped implement major regulatory changes and compliance updates.

Jon holds a Bachelor's degree in Portuguese and Latin American Studies from Brigham Young University, a Juris Doctor from Arizona Summit School of Law, and is a Certified Compliance & Ethics Professional through the Society of Corporate Compliance and Ethics.

Vicky Knight-Martin is a Manager in the Professional Services organization where she leads a team of Customer Service and Escrow Administration consultants. Vicky brings over 27 years of experience in the mortgage servicing industry and in the use of MSP^®.

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.

Dana Martin is a Solution Manager in Servicing Technologies with areas of focus in digital document capabilities and loan boarding. With 15 years in mortgage technology, she has served roles in business analysis, project management, and product management. Prior to ICE, Dana’s career contains over 15 years in the insurance industry with healthcare, workers compensation administration, and property and casualty serving various roles in business operations and systems administration.

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.

Christopher McEntee is responsible for M&A and corporate development at ICE Mortgage Technology. He started at ICE in 2011 as Senior Director of Corporate Development. Prior to joining ICE, Chris worked at the Federal Home Loan Bank of Atlanta as a Director and managed the marketing of wholesale lending products, supported new product development and the affordable housing grant program. He began his career as a financial journalist at The Bond Buyer and was the National Editor until 1999.

Chris earned a Bachelor of Arts in English from St. Michael’s College and a Master of Business Administration from Georgia State University, where he has taught at the J. Mack Robinson College of Business. He currently serves as the Vice Chairman of the Mortgage Industry Standards Maintenance Organization (MISMO) and is on the board of MERSCORP Holdings, Inc.

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.

A member of the ICE services organization for 4 years, John is passionate about working with customers ensuring Encompass meets the needs of ICE’s customers. Before ICE, John was the chief architect of the Informix database for 13 years and 12 years in mission critical support for the Informix database where he became the first support engineer to achieve the level of STSM at IBM.

At home John enjoys photograph and attending his family’s numerous sporting events. Combining the sporting events and photography is just a bonus

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.

Joe Pesch is a seasoned leader with over 30 years of experience shaping and delivering innovative mortgage technology solutions for publicly traded companies. Since joining ICE seven years ago, Joe has been instrumental in driving innovation and growth within the lending community through the Encompass TPO Connect platform, Encompass Connector for Salesforce, and the Marketplace. Joe is passionate about collaboration, working closely with lenders on gaining a deep understanding of their unique business processes, so he can lead the charge in crafting tailored solutions and delivering transformative tools to enhance their operational efficiency, drive scalability, and fuel long-term success. His dedication to working with and empowering the lending community ensures that ICE Mortgage Technology remains at the forefront of industry advancement.

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.

Steve Pugh has served as Chief Information Security Officer (CISO) of Intercontinental Exchange, Inc. (NYSE: ICE) since September 2021. He leads the cybersecurity program for all of ICE, including the New York Stock Exchange, securing critical economic infrastructure across multiple subsidiaries, geographies and regulatory jurisdictions. Further, Pugh is responsible for cybersecurity across regulated futures and options exchanges, central counterparty clearing houses (CCPs), trade repositories, equities venues and systemically important financial market utilities (SIFMUs).

Prior to joining ICE, Pugh served as the former Chief Information Security Officer of the White House Military Office and has more than 25 years of experience in cybersecurity, national security, and intelligence. Most recently, he was the Chief Security Officer for Twilio.

Pugh has served under three U.S. Presidents as a military communications aide. He spent 18 years in the U.S. Air Force as a cyber warfare officer and deployed in support of Operation Iraqi Freedom. Pugh holds a Bachelor of Computer Science from Valdosta State University and a Master of Management from the University of Phoenix. He serves as a board member for the non-profit Savvy Cyber Kids which focuses on cyber safety for preschool through high school students.

Jennifer Reagan is a Manager in Professional Services leading a team of Financial Controls consultants supporting new client conversions, MSP consulting and training, and Business Process Optimizations. She brings more than 10 years of experience in mortgage servicing, primarily in Investor Reporting, cashiering and corporate accounting.

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.

A product leader with more than 20 years' experience in mortgage and real estate industry with a passion for creating and bringing to market new solutions that drive value, remove friction, and improve the overall borrower experience.

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.

Jerry is currently working as the Technical Solution Manager for the ICE Mortgage Servicing Asset Management products. Products included under Asset Management are Foreclosure, Bankruptcy, Property Preservation, Servicing Vault, and Boarding. Jerry began his mortgage technology journey in 1995 working on a Loan Origination solution in Indianapolis and then moved to Jacksonville to join the MSP product suite in 2002. During his 26 years on ICE Servicing products, Jerry has supported a wide range of the Servicing products and gained a wealth of knowledge.

John Sheffield is Senior Director for Spatial Intelligence Solutions at ICE. 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.

Madison Springs is a Senior Manager in the Professional Services organization where he leads a team of Customer Service and Escrow Administration consultants. Madison brings over 23 years of experience in the mortgage servicing industry and in the use of MSP. He and his team have worked with many mortgage servicers to provide support for training, general consulting, customer retention, implementations, and compliance needs.

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.

Leah Strommer is a Director of Product Management at ICE Mortgage Technology, responsible for the ICE Fees Solution product suite.

Leah has over 20 years of experience in the financial banking industry, where for the latter part she served as a Vice President in Enterprise Architecture within Global Technology and Operations at Bank of America. Leah led the core infrastructure team in the rapid adoption and consolidation of assets in two back-to-back acquisitions during the 2008 housing crisis. It was during this significant event where Leah gained recognition for her expertise in strategic design and development, TOGAF, business modeling as well as large scale solution management.

Leah joins ICE as part of the Black Knight acquisition, where during her tenure she served in all three divisions: Servicing, Originations and Data Analytics, in both technology and operational leadership roles.

Andrew Teras is Senior Director, Americas Product Strategy for ICE Climate. In this role, he oversees product strategy for U.S. municipal bonds, mortgage-backed securities, real estate, and sovereign debt. Andrew was previously Director, Municipal Research at Breckinridge Capital Advisors and was responsible for integration of climate and sustainability considerations into the firm’s investment decision- making. Earlier in his career, Andrew was a bond rating analyst at Standard & Poor’s and a financial analyst with the New York City Comptroller’s Office. He holds a bachelor’s degree from the University of Wisconsin-Madison, as well as master’s degrees in business administration and city planning from The University of North Carolina at Chapel Hill.

Eric Turney is a Business Consultant with the Professional Services Organization. Eric brings over 20 years of Mortgage Industry experience to his role with ICE. Before ICE, Eric served as a leader of several top performing underwriting teams.

Joy Vanish is a Solution Manager that is responsible for the strategic vision, execution, and compliance of all servicing bankruptcy solutions. She holds an MBA and has over 25 years of default servicing experience including, bankruptcy, foreclosure, loss mitigation, REO and property management.

Andy Walden, Vice President of Enterprise Research Strategy for ICE Mortgage Technology, is one of the most recognized faces in Housing Finance. A regular contributor on CNBC, Andy’s insights are sought by some of the nation’s most-respected media outlets, including the Wall Street Journal, the Washington Post, CNN, Bloomberg, Fortune, Forbes, and the Los Angeles Times, as well as many mortgage industry trade publications. A technically skilled analyst and the guiding force behind ICE's monthly Mortgage Monitor, he is known for his clear, understandable, even folksy explanations of complex topics. With nearly two decades of industry experience – including default servicing operations, market surveillance and applied mortgage analytics – Andy is uniquely suited to bring clarity to the complex machinations of the American housing market.

Brandon is based out of Northern Utah and is a certified Encompass Administrator and certified Encompass Developer. He has been with ICE Mortgage Technology for 7+ years. Prior to ICE MT, manager of mortgage technology at a large national bank. Brandon has over 29 years of experience in the Mortgage Industry including Title Closing, Origination, Processing, Underwriting, QC, and the Secondary Market. He has over 14 years of experience working with Encompass, specializing in customization of the UI, application configuration, and performance analysis. Brandon is an out of the box thinker who consistently stays with a problem until it finds resolution. In his spare time, Brandon is a collector, a craftsman, and enjoys building very intricate scale models. He is happily married with four children.

Damien Weldon is vice president of valuation and collateral solutions for ICE, where he oversees product management and data science for automated valuation models and collateral products. A seasoned practitioner, he has over 20 years’ experience in quantitative solution development. Before joining ICE, he was managing director, business development at Vichara Technologies. Prior to Vichara, he held a number of senior business development, product management, and data science roles at CoreLogic. Damien has a bachelor’s in science in physics and mathematics from the University of Dublin and a master’s of science in mathematical modeling and numerical analysis from the University of Oxford.

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.

Catherine Whitworth is a Senior Manager in Professional Services leading a team of Financial Controls consultants. Catherine brings over 22 years of experience in the financial technology/mortgage servicing industry. She has worked with many mortgage servicers supporting a wide range of projects including implementations, consulting and training.

Cheryl Wiebe is a Sr. Consultant with the Data and Document Automation PSO team. She brings over 25 years of experience in the mortgage industry working across functions from operations to project leadership, technology innovation and implementation. Cheryl holds her AMP and CMB from the Mortgage Bankers Association and serves as a Curriculum Developer and Instructor with the School of Mortgage Banking.

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.

Noah Witte is the Solution Manager for the Consumer Interaction Marketplace (CIM) of ICE Mortgage Technology. He is responsible for the strategy of CIM which includes the delivery of external and internal integrations into our consumer impacting products, improving overall consumer experience. Noah has almost 10 years of experience within the Mortgage Technology space with a focus on Web and Mobile Product Management and consumer experience.

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.

Tim Woods is a Product Manager for the Data Management area of the Servicing Technology group of ICE Mortgage Technology. Tim has 12 years of mortgage analytics and reporting experience for loan originations and now product management in the area of servicing. Tim is now responsible for developing new analytics, automation, reporting and data access to ICE Mortgage Origination and Servicing Clients.

Rachel is currently a Senior Product Manager for MERSCORP Holdings, Inc. dba ICE Mortgage Technology. Rachel leads innovation of the MERS® System and MERS® eRegistry, focusing on strategic initiatives that will enhance MERSCORP Holdings position as a key stakeholder in the ongoing efforts to digitize the mortgage industry.

Rachel joined MERSCORP Holdings in 2007. Prior to that, she spent 16 years at GMAC Mortgage as Manager of Specialized Servicing, leading all activities associated with efficient operations and performance standards of loan modifications, assumptions, land title adjustments, and lien releases.

Rachel holds a bachelor’s degree from the University of Northern Iowa and is Chair of MISMO’s eDoc/eMortgage Vault Interoperability Community of Practice.