Continue the Climb


This year’s theme for the Risk & Compliance Summit is “Continue the Climb”. The Summit is a unique opportunity to engage in proactive discussions with leaders and peers on how to prepare your organization in this ever-changing regulatory compliance environment. General and breakout sessions will guide you in developing and maintaining compliance programs that conform with industry best practices. 


We are excited to have a fantastic line-up of respected speakers and panelists, including industry thought leaders, lenders, regulators and a special appearance from the founder of Rolling Stone Magazine during dinner.

 

Some of the topics and highlights will include:

  • Regulatory and supervisory updates from regulators
  • Changing the perception of compliance from an emergency brake to an integrated partner
  • How quality compliance can generate robust growth opportunities
  • Innovations in RegTech

Click Here to View the Agenda

This event is designed to encourage insightful dialogue and high-level networking amongst compliance leaders and professionals as you ‘Continue the Climb’. You don't want to miss this annual event and we look forward to seeing you in San Francisco in November.


Attire: Business Casual


Who Should Attend

Sending teams from your company is encouraged

- Compliance Officers

- Technology and Security Officers

- Compliance Managers

- Legal Counsel

- Operations Manager

- Credit Policy Managers

- QC Managers

- Risk Officers

- Auditors

- Examiners



Justify Your Attendance

We have created a template to justify your attendance at the 2017 Risk & Compliance Summit.

Click Here to View Justification Template

Registration

Registration Fee - $695

Registration Fee includes:

  • Admission to the Risk & Compliance Summit sessions
  • Wednesday opening reception
  • Thursday breakfast, lunch, and dinner events
  • Friday breakfast and lunch
  • Daily refreshments and conference materials
  • (Air travel and hotel room are not included in registration fee.)


 

Airport

  • San Francisco International Airport (SFO)
  • 13.4 miles away from Summit Venue
  • 13.3 miles away from the Harbor Court Hotel
  • 2.0 miles away from ComplianceEase HQ

Hotel - Discounted Room Block Full

The Harbor Court Hotel (TripAdvisor 4 star hotel) blocked a limited number of rooms for attendees of the Risk & Compliance Summit - available Wednesday, November 1 - Friday, November 3 at a special rate. Special rate expired on September 22.

To reserve your room, click the below link or call contact Jhonae Mazique, Group Reservation Coordinator at Jhonae.Mazique@harborcourthotel.com or (415) 882-1300.

Harbor Court Hotel, 165 Steuart St, San Francisco, CA 94105


Wednesday, November 1

11:00 AM – 12:30 PM  User Advisory Council
(By Invitation Only)
One Market Restaurant
Wine & Wall Room
30 Steuart Street (at Market)

1:00 PM – 4:00 PM

Pre-Summit Workshops
(ComplianceEase Clients Only)
Speakers: ComplianceEase SMEs

(A)
ComplianceAnalyzer Best Practices, Tips & Tricks
(B) Mastering TRID Monitor

One Market Restaurant
30 Steuart Street (at Market)

6:00 PM – 7:30 PM Registration 34/F Sunset Foyer

6:00 PM – 7:30 PM

Welcome Reception
Sponsor: Morrison & Foerster

34/F Sunset Foyer

Notes:

*Schedule, speakers, and topics subject to change.

Thursday, November 2

7:30 AM – 5:00 PM

Registration

33/F Town Hall Foyer

7:30 AM – 8:30 AM

Breakfast
Sponsor: Independent Settlement Services, LLC

33/F Town Hall A & B,
Alcatraz Room,
Golden Gate Room

8:30 AM – 9:00 AM

Welcome Remarks
Speaker: Dan Smith, CMT, SVP, ComplianceEase

33/F Town Hall A & B

9:00 AM – 9:45 AM

Risk Management: What It Really Means
Speaker: Don Lampe, Partner, Morrison & Foerster

33/F Town Hall A & B

9:45 AM – 10:00 AM

Refreshment Break
Sponsor: Black Knight

33/F Town Hall

10:00 AM – 11:00 AM

Digital Mortgage and eClosings: Rethinking the Process
Speakers: Melissa Richards (moderator), Chief Legal & Risk Officer, CMG Financial
Scott Aberle, VP IT Compliance, Quicken Loans
Rick Hill, VP Technology, MBA

33/F Town Hall A & B

 11:00 AM – 12:00 PM Regulatory Update: What's Here to Stay, Gone Tomorrow, and Coming Soon
Speakers: Malorie Hilscher (moderator), Senior Staff Attorney, ComplianceEase
Ken Markison, President, Ken Markison Advisors LLC
Laura LaRaia, Chief Compliance Officer, Supreme Lending
 33/F Town Hall A & B
12:00 PM – 1:00 PM Networking Lunch
Sponsor: Mortgage Builder

33/F Town Hall A & B,
Alcatraz Room, 
Golden Gate Room
 1:00 PM – 2:00 PM Developing a Compliance Social Media Strategy
Speakers: Malorie Hilscher (moderator), Senior Staff Attorney, ComplianceEase
David Lykken, President, Transformational Mortgage Solutions
Don Lampe, Partner, Morrison & Foerster
 33/F Town Hall A & B

2:00 PM – 3:00 PM

State Exam and Enforcement Update: No Signs of Slowing Down
Speakers: Sharif Mahdavian (moderator), Vice President, ComplianceEase
Chuck Cross, SVP Consumer Protection & Non-Depository Supervision, CSBS
Scott Wyckoff, General Counsel, State of California Department of Business Oversight

33/F Town Hall A & B

3:00 PM – 3:15 PM

Refreshment Break
Sponsor: Black Knight

33/F Town Hall

 3:15 PM – 4:15 PM FinTech Innovation Lab
Speakers: Jason Roth, CMT, (moderator) CTO, ComplianceEase
Frank Tuttle
, SVP Product Management, ComplianceEase
Deborah K. Hoffman, Esq
Teresa Blake,
 Managing Director, KPMG
 33/F Town Hall A & B

4:30 PM – 5:45 PM

Roundtable Discussion



(A) Mock Exams

33/F Town Hall A & B


(B) State Compliance Issues

33/F Alcatraz Room


(C) MISMO, UCD, LEF

33/F Golden Gate Room

6:30 PM – 9:00 PM

Dinner - San Francisco Unplugged: A Peek into the City’s Rich (and Dark) History
Speaker: Charles Fracchia, Founder, Rolling Stone Magazine
Sponsor: LoanLogics

One Market Restaurant
Wine & Wall Room
30 Steuart St (at Market)

Notes:
*Schedule, speakers, and topics subject to change.


Regulatory Update: What’s Here to Stay, Gone Tomorrow, and Coming Soon

Speakers: Ken Markinson, VP Regulatory Counsel, MBA

Laura LaRaia, Chief Compliance Officer, Supreme Lending

Regulatory Update: What’s Here to Stay, Gone Tomorrow, and Coming Soon

Speakers: Ken Markinson, VP Regulatory Counsel, MBA

Laura LaRaia, Chief Compliance Officer, Supreme Lending





Friday, November 3

7:30 AM – 12:00 PM

Registration

33/F Town Hall Foyer

7:30 AM – 8:30 AM

Breakfast
Sponsor: Access Business Technologies

33/F Town Hall A & B,
Alcatraz Room,
Golden Gate Room

8:30 AM – 9:30 AM

Info Security and Privacy – What You Want to Know but Are Afraid to Ask

Speakers: Rick Hill (moderator), VP Technology, MBA
Jason Roth, CMT, CTO, ComplianceEase
Justin Kirsch, CEO, Access Business Technologies
Alex Wood, VP-IS; Chief Information Security Office, Pulte Mortgage

33/F Town Hall A & B


9:30 AM – 10:30 AM

Best Practices to Ensure HMDA / Fair Lending Compliance
Speakers: Angela Kleine (moderator), Partner, Morrison & Foerster
Amanda Phillips, Senior Legal and Compliance Counsel, Mortgage Cadence, an Accenture Company
Brian Fitzpatrick, President and CEO, LoanLogics, Inc.

33/F Town Hall A & B


10:30 AM – 10:45 AM

Refreshment Break
Sponsor: Black Knight

 

10:45 AM – 11:45 AM

Preparing for NMLS 2.0
Speakers: Neal Kingsley (moderator), Staff Attorney, ComplianceEase
Tim Lange, Senior Director – SRR Policy, CSBS
Therese Ainsworth, Business Ops Lead - Licensing & SAFE Act Compliance, Accenture Credit Services

33/F Town Hall A & B

11:45 AM – 12:00 PM

Closing Remarks
Speaker: John Vong, CMB, CMT, President, ComplianceEase

33/F Town Hall A & B

12:00 PM

Lunch Box To-Go

33/F Town Hall

Notes:
*Schedule, speakers, and topics subject to change.

Speakers

Alex Wood
Amanda Phillips
Angela Kleine
Brian Fitzpatrick
Charles Fracchia
Chuck Cross
David Lykken
Deborah Hoffman
Donald Lampe
Frank Tuttle
Jason Roth
Justin Kirsch
Ken Markison
Laura LaRaia
Malorie Hilscher
Melissa Richards
Neal Kingsley
Rick Hill
Scott Aberle
Scott Wyckoff
Sharif Mahdavian
Teresa Blake
Therese Ainsworth
Tim Lange

SPEAKER

BIO

SESSION TOPIC


Donald Lampe
Partner
Morrison & Foerster

Donald C. Lampe is a partner in the Financial Services Group in the Washington D.C. office of Morrison & Foerster. Mr. Lampe represents banks, mortgage companies, insurance underwriters and agents and other financial services providers in a variety of financial services and bank regulatory matters. He devotes significant time to counseling innovative financial services companies bringing products and services to market through technology-driven platforms (FinTech).

He regularly counsels consumer creditors, loan servicers, collection agencies and secondary market participants on consumer financial services laws and regulations, including the Dodd-Frank Act. He represents a range of financial services clients in high-stakes government investigations and enforcement proceedings before state and federal agencies, such as the CFPB, HUD, FTC, DOJ, FDIC and NYFS, involving issues of lending, servicing, licensing, governance and compliance. He devotes a significant part of his practice to representing major national business process outsourcing firms and technology vendors to the financial services industry.

Mr. Lampe has been recognized by Legal 500 US 2017 in the area of Financial Services: Regulatory and by Chambers USA 2017 in the area of Financial Services Regulation: Consumer Finance (Compliance). He has been recognized by Best Lawyers in America from 2003-2018 and was named a Super Lawyer for Banking Law by Law & Politics from 2006-2014.

Mr. Lampe is currently a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the Governing Committee of The Conference on Consumer Finance Law and the Board of Advisors of the UNC School of Law Center for Banking and Finance. Mr. Lampe previously served as the chair of the American Bar Association’s Consumer Financial Services Committee.

Mr. Lampe received his S.B. degree from Massachusetts Institute of Technology, where he graduated Phi Beta Kappa, and his J.D. degree from Duke University School of Law, where he was the Administrative Law Editor of the Duke Law Journal and a member of the Dean’s Advisory Council.

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Risk Management: What It Really Means

Developing a Compliance Social Media Strategy



 

Melissa Richards
Chief Legal & Risk Officer
CMG Financial

 

 

As the Chief Legal & Risk Officer of CMG Financial, a residential mortgage banker licensed nationwide, Ms. Richards oversees all Legal matters as well as the company’s Enterprise Risk Management program. Prior to joining CMG Financial in 2012, Ms. Richards was in private law practice for 22 years, specializing in federal and multi-state regulatory compliance and licensing for the financial services industry including all facets of the mortgage banking industry. Ms. Richards is well versed Consumer Financial Protection Bureau rulemaking, as well as federal and state laws and regulations addressing Fair Lending, Consumer Financial Privacy, and Data Security.

In the past, Ms. Richards has served in leadership for the California Mortgage Bankers Association, both as a three-term Director and as its General Counsel for five years. Ms. Richards was awarded her Certified Mortgage Banker designation by the Mortgage Bankers Association of America in 2009 and in 2013, was inducted as a Fellow with the American College of Mortgage Attorneys. For 2017, Ms. Richards serves as Co-Chair of the MBA RESBOG Task Force on Regulatory Clarity.

Ms. Richards earned her J.D. at the University of San Francisco School of Law in 1988, and her B.S. in Agricultural and Managerial Economics at the University of California, Davis in 1985.

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Digital Mortgage and eClosings: Rethinking the Process

(moderator)

 



 

Charles Fracchia
The San Francisco Museum and Historical Society
San Francisco, CA

 

Charles Fracchia is the founder and President Emeritus of the San Francisco Museum and Historical Society and has given talks on a variety of historic subjects to such groups as The Commonwealth Club and the Mechanics' Institute. He currently lectures at the Fromm Institute at USF.


Charles is a native San Franciscan who was educated in Bay Area schools: USF (B.A.); University of California, Berkeley (MLS); San Francisco State (M.A.); and the Graduate Theological Union/Berkeley (M.A.Theology). He also attended Jesuit Sacred Heart Seminary with now-governor Jerry Brown.


He was one of the founders of Rolling Stone Magazine and taught for many years at S.F. State and USF, following a 25-year career in investment banking and advisory services.


He led historic walking tours of San Francisco for various groups for more than 20 years and knows the city and its history as well as can be known. He has written many books and articles about San Francisco history. His books include:


City by the Bay: A History of Modern San Francisco: 1945-present(1997)

Fire and Gold: The San Francisco Story(1998)

San Francisco Yesterday and Today(2008)

When the Water Came Up to Montgomery Street(2008)

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Dinner - San Francisco Unplugged: A Peek into the City’s Rich (and Dark) History


 


Rick Hill
Vice President of Industry Technology
Mortgage Bankers Association

 


Rick Hill serves as Vice President of Industry Technology at the Mortgage Bankers Association (MBA). In this role, he is responsible for providing leadership to MBA and its membership relating to operational and technology topics faced by the industry, including through the Mortgage Industry Standards Maintenance Organization (MISMO). He is responsible for developing the content for MBA's Technology Conference and leading all of MBA's technology forums and working groups as well as managing technology related content for MBA Education.


Prior to joining MBA in 2010, Rick 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. Before his time at Fannie Mae, he was a senior auditor with Deloitte & Touche. He holds a BBA in Accounting from the College of William and Mary and is also a Certified Public Accountant.

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Digital Mortgage and eClosings: Rethinking the Process


Info Security and Privacy - What You Want to Know but Afraid to Ask

 

(moderator)


Deborah K. Hoffman, Esq.
Legal and Compliance Solutions

Debbie Hoffman is a veteran financial services attorney with a specialization in technology innovation. Debbie was previously the Chief Legal Officer of Digital Risk, LLC, where she was responsible for the regulatory compliance and legal functions of the company. She spent a decade of her career as a real estate finance attorney at the law firm of Thacher Proffitt & Wood in New York.


Debbie has also been a professor at the Florida A&M University College of Law and the University of Central Florida. In 2017, Debbie was named as a Top General Counsel by the First Chair Awards and was named as a 2017 “Hot 100” in Mortgage Professional America.


She was selected as a 2016 and 2014 Woman of Influence by Housingwire Magazine and was awarded a 2015 Stevie® Award, Woman of the Year and a 2014 Stevie® Award, Female Executive. She is a frequent author in industry periodicals, a speaker at conferences and events, as well as a guest lecturer at universities of higher education.

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FinTech Innovation Lab

 


David Lykken
Founder & Chief Transformational Officer
Transformational Mortgage Solutions

David Lykken, Founder & Chief Transformational Officer of Transformational Mortgage Solutions, is a 43-year industry veteran and has been an owner-operator of three mortgage banking companies, a software company and several leading consulting firms. David is in the business of transforming the businesses and lives of owners, their executives, sales and operational staff via CONSULTING, executive COACHING and various COMMUNICATIONS strategies.

He is a frequent guest on FOX Business News and hosts his own weekly podcast called “Lykken On Lending” heard Monday’s at 1 pm ET at www.LykkenOnLending.com. David will be sharing with us business strategies that will transform your businesses and increase your success and satisfaction.





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Developing a Compliant Social Media Strategy
(moderator)

 

 


Tim Lange
Senior Director
Conference of State Bank Supervisors

Tim Lange currently serves as Senior Director with the Conference of State Bank Supervisors (CSBS) which he joined in 2008.  In this role, Tim’s duties have included managing system policy and development for NMLS, the legal system of record for mortgage and other non-depository financial services regulation. Prior to joining CSBS, Tim worked in the securities industry for ten years specializing in fixed income sales and trading.

A native of Chicago, Tim holds a Bachelor of Business Administration degree with a concentration in accounting from Loyola University Chicago and a Master of Public Administration degree from the Maxwell School of Citizenship and Public Affairs at Syracuse University.

The Conference of State Bank Supervisors (CSBS) is the nationwide organization of financial regulators from all 50 states, the District of Columbia, Guam, Puerto Rico, and the U.S. Virgin Islands.

State regulators supervise approximately 5,000 state-chartered financial institutions with more than $4.9 trillion in combined assets. Further, most state banking departments oversee mortgage providers and many other financial services providers, such as money services businesses (MSBs), payday lenders, check cashers, and finance companies. State regulators license 16,022 mortgage companies, 131,725 individual mortgage loan originators (MLOs), and more than 138,000 additional non-depository financial services providers across the nation.

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Preparing for NMLS 2.0

 


Chuck Cross
Senior Vice President of Consumer Protection and NonDepository Supervisions
Conference of State Bank Supervisors

Chuck Cross is Senior Vice President of Consumer Protection and NonDepository Supervision for the Conference of State Bank Supervisors. In this role he oversees multistate supervision support for mortgage, money services businesses, payday lending, debt collection and other nonbank supervisory areas. Additionally, he is responsible for administrative support to the CSBS NonDepository Supervision Committee (NDSC) and the State Coordinating Committee (SCC) in the coordination of the state system with the Consumer Financial Protection Bureau (CFPB). Emphasis includes consumer protection and supervision policy, examination protocols, and supervisory processes.

Chuck was on detail assignment to the U.S. Department of Treasury as a “Founding Member” of the CFPB Implementation Team from 2010 to 2011. His responsibilities included early process development for supervision and response to consumer complaints. Chuck was the Director of the Washington DFI Division of Consumer Services from 2003-2006. Prior to Director, Chuck was the Division’s Enforcement Chief. Earlier in his career Chuck was an examiner for both the FDIC and the State of Washington Division of Banks.

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State Examinations and Enforcement Update: No Signs of Slowing Down

 
Angela Kleine
Partner
Morrison & Foerster

Angela Kleine is a member of the Financial Services Litigation Group, resident in the San Francisco office. Her practice focuses on complex civil litigation and enforcement, with an emphasis on defending and advising financial services companies in matters under banking, fair lending, consumer reporting, and unfair and deceptive acts and practices (UDAP) laws and regulations.

Ms. Kleine has experience litigating and advising on matters under the Fair Housing Act, Equal Credit Opportunity Act, Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act and state equivalents, Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act, and state unfair practices statutes, including California’s Consumer Legal Remedies Act and Unfair Competition Law. Ms. Kleine also has experience conducting internal investigations on behalf of companies, boards of directors, and audit and special committees.

Ms. Kleine has written on issues related to fair lending and consumer reporting litigation and enforcement. She is a co-editor of the MoFo ReEnforcement Blog and editor of the Mortgage and Fair Lending section of the firm’s Financial Services Report. Ms. Kleine received her J.D. with honors from New York University School of Law, where she was a member of the Environmental Law Review, a Florence Allen Scholar, and the winner of the Leonard J. Schreier Memorial Prize in Ethics. She earned a B.A. in biology with honors from the University of Chicago, where she was a Howard Hughes Undergraduate Research Fellow and National Science Foundation grant recipient.

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Best Practices to Ensure HMDA / Fair Lending Compliance

 

 

 
Scott Aberle
Vice President of IT
Compliance & Legal
Quicken Loans

Scott Aberle is the Vice President of IT Compliance & Legal at Quicken Loans. Scott’s teams are responsible for development of software for regulatory compliance at Quicken Loans for the origination and servicing business units, covering regulatory and legal domains, including licensing, compliance, audit and reporting, quality control, and litigation.

Mr. Aberle’s career in software development began in the 1990s in the Silicon Valley, and he has 15 years in FinTech and RegTech software development. In his role at Quicken Loans, his teams drive a wide variety of technology capabilities within the core enterprise lending systems, including direct data aggregation, digital document management, automated rules engines, loan conditions and advanced workflow.

Firsthand experience as a software engineer, combined with more than 10 years of leadership experience at technology companies, gives Scott a balanced and pragmatic perspective on both the current state and future of technology in the mortgage industry.

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Digital Mortgage and eClosings: Rethinking the Process

 

 
Brian Fitzpatrick
President & CEO
LoanLogics, Inc.

As President and CEO of LoanLogics, Inc., Brian Fitzpatrick oversees all operations of the company. He is a demonstrated leader with particular expertise in mortgage technology and business process outsourcing solutions.

Mr. Fitzpatrick has raised industry-wide awareness of how technology plays a key role in the production and measurement of loan quality and performance. He is an adept spokesperson for LoanLogics, participating on many industry panels, and has authored and been quoted in numerous articles and white papers discussing document processing, data filtering and business rules technologies.

As a result of his significant leadership, industry, and sales experience, Mr. Fitzpatrick is applying his expertise to execute a successful growth plan for LoanLogics and continue the rollout of the industry’s first enterprise, end-to-end, loan quality and performance analytics platform.

Mr. Fitzpatrick has held various senior management positions with several of the nation’s largest technology and business process outsourcing firms. These include: CEO of Aklero Risk Analytics, Inc., one of the merged entities that formed LoanLogics, President of Lydian Technology Group, which was the nation's leading provider of business infrastructure and integration technology for the mortgage industry, President of WellFound Decade Corporation, CEO of Decade Systems Corporation, and Senior Vice President of Sales for GHR Systems.
For outstanding achievement in leadership, Mr. Fitzpatrick was named twice as finalist for the EY Entrepreneur of the Year Award and once for the Marcum Innovator of the Year Award. These awards identify game-changing business leaders in the Philadelphia area.

In 2015, Mr. Fitzpatrick received HousingWire Magazine's prestigious Vanguard Award™ for leading and changing the housing economy. Prior to that, he also was awarded SmartCEO's Voltage Award as a Leader in Technology, recognizing his innovative efforts in developing new technologies that improve operational efficiencies. He has been a two time recipient of Mortgage Banking Magazine's prestigious IT All-Star designation for his career contributions in the field of mortgage technology, once in 2007 and again in 2012. Additionally, Mr. Fitzpatrick is the first CEO in the mortgage industry to win Mortgage Technology Magazine's coveted 10X Award twice with two different companies and technology solutions.
Mr. Fitzpatrick attended Rowan College and Temple University.

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Best Practices to Ensure HMDA / Fair Lending Compliance

 


Alex Wood
VP-IS; Chief Information
Security Office
Pulte Mortgage

Alex Wood is the CISO for Pulte Financial Services and has over 18 years of experience in Information Security. Previously he has had managerial, program, and technical roles at several major companies in different verticals. Additionally, Alex has served on the Board of Directors for ISSA International and is a host of the Colorado = Security podcast. Alex holds CISSP and CISM certifications, and has a MAS in Information Security from the University of Denver.








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Info Security and Privacy – What You Want to Know but Afraid to Ask


Justin Kirsch
CEO
Access Business Technologies

Justin Kirsch is the Founder and President of Access Business Technologies (ABT), a leading provider of mortgage technology and security solutions.

Prior to starting ABT in 2001, Justin was the Chief Technology Officer at the Security National. He led a team of 80 professionals to build out the technology infrastructure for over 60 mortgage subsidiaries processing billions in mortgages loans annually. 

The large majority of Justin’s career has been solely rooted in the mortgage industry, and he has become one of the foremost authorities in the mortgage technology and Fintech security space. 

Justin knows that “when we provide a safe, compliant, and reliable cloud workspace for mortgage professionals, they thrive.” He and the rest of the team at ABT pride themselves on “listening to customers well, collecting their feedback, and actively improving products to keep solutions current and relevant, to help our clients stay competitive.”

Justin has also earned an MBA with Masters Degree in Management Information Science, and a Bachelor’s Degree in Business Administration. 

Please feel free to reach out directly to Justin via email at justin@myabt.com

LinkedIn profile: https://www.linkedin.com/in/justin-kirsch-mba-541160117/
 

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Info Security and Privacy – What You Want to Know but Afraid to Ask


Ken Markison
President
Ken Markison Advisors LLC

Until September 30, 2017, for more than 13 years, Ken was Vice President and Regulatory Counsel at the Mortgage Bankers Association in Washington, DC. In that capacity, he worked on and represented the mortgage industry on a very wide range of legal and regulatory issues. These included virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and virtually every other law and regulation affecting the industry.

He joined MBA following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development.  At HUD, Ken served as HUD’s Assistant General Counsel for Government Sponsored Enterprises/RESPA.  He was one of the principal architects of HUD’s first RESPA Reform Rule and HUD’s GSE rules. Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending.  He also represented HUD on the staff of the Oversight Board for the Resolution Trust Corporation.

Ken received his BA and his JD, with honors, from the George Washington University and is admitted to the Bar of the District of Columbia and Maryland.  He is a frequent speaker on legal issues facing the mortgage industry and can be reached at
kenmarkison@gmail.com


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Regulatory Update: What’s Here to Stay, Gone Tomorrow, and Coming Soon 


Teresa Blake
Managing Director
KPMG 

Teresa Blake is an Executive Manager with over twenty five years of diverse management experience. Results-focused leader with demonstrated ability to formulate & implement organizational change strategies, process improvements, and technology solutions to satisfy a range of strategic imperatives. Proven record of managing large-scale, mission critical initiatives through the entire project lifecycle, including scope management, issue resolution, risk mitigation, and execution.

In her first assignment at KPMG, Teresa co-led the vendor due diligence to select a new Consumer Mortgage Loan Origination System (LOS).  She led the LOS Planning and Configuration Execution phase of BKFS’ Empower Retail LOS implementation with a large regional lender.  She is now currently leading an LOS Implementation support of Empower with a large mid-west regional lender and completed an  Empower User Acceptance Testing program with a large investment bank.  She also is leading an Empower upgrade for a lender in Northern California.


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FinTech Innovation Lab

 



Scott Wyckoff
General Counsel
California Department of
Business Overesight

Scott Wyckoff was appointed general counsel at the California Department of Business Oversight on August 18, 2014.

Previously, Scott served as supervising deputy attorney general at the California Department of Justice, Office of the Attorney General since 2008, where he was a deputy attorney general from 1999 to 2008.  Scott was an associate attorney at Cuneo Black Ward and Missler from 1998 to 1999 and assistant to the government affairs director at the Oregon Education Association from 1993 to 1994.  He served as chief of staff for Representative Sharon Wylie from 1992 to 1993 and legislative assistant for Representative Hedy Rijken from 1990 to 1991 at the Oregon House of Representatives.

Scott is a board member of the Sacramento Law Foundation's Operation Protect and Defend, a program of lawyers and judges committed to civic education in public schools.

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 State Exam and Enforcement Update: No Signs of Slowing Down



Therese Ainsworth
SAFE Act Licensing and Compliance Manager
Zenta/Accenture, LLC

 

Therese Ainsworth has been the SAFE Act Licensing and Compliance manager for Zenta Mortgage Services, LLC, a wholly-owned subsidiary of Accenture plc, for over 7 years. Her team is responsible for company, branch and individual licensing for Zenta, a state-licensed residential mortgage BPO services provider on- and off-shore, as well as ensuring that Zenta complies with SAFE Act guidelines for all US states. . She also serves as the AML Compliance Officer for Zenta.

As a long-time veteran of the industry, Mrs. Ainsworth has a unique perspective on the history and present trends in residential mortgages, particularly with respect to state-licensed non-depository entities and their interaction with depository and non-depository clients. Mrs. Ainsworth owned a compliance company which provided pre-audit, state licensing support, and training services to small and medium-sized lenders. She also served as VP and designated licensee for a California correspondent lender and as a commercial property loan broker, working with insurance companies and other commercial investors to negotiate and complete financing for large commercial projects.

Her background includes correspondent and delegated underwriting, compliance and quality control for FHA, VA, and A-niche jumbo programs, training and supervision in residential mortgage compliance, licensing, NMLS, processing, underwriting, funding, federal and state regulations. and state-by-state restrictions and document requirements. She was also the portfolio acquisitions manager for a national secondary lender.

Mrs. Ainsworth’s expertise in the SAFE Act from its inception, the NMLS system and its ongoing evolution, and her in-depth knowledge of vendor management, as well as state licensing agencies’ perspective on the specifics of the industry including off-shore operations, provide a balanced and practical approach to the needs of lenders and service providers.

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 Preparing for NMLS 2.0


Jason Roth
CMT, CTO
ComplianceEase

Mr. Roth leads the company's technology design initiatives and manages the development of the company's product suite.

Jason is a technology executive who leverages computer science, startup, and leadership experience to design and deliver efficient and innovative enterprise products for the financial services industry. He has more than 10 years of experience in the consumer and mortgage lending and financial services software industries, with technical expertise, that ranges from design and development of enterprise Software-as-a-Service, to expert systems and Web services platform technologies.

Prior to ComplianceEase, Roth worked on Adobe Acrobat and PDF document technology development teams at Adobe Systems, Incorporated.

Roth holds an MBA from The Wharton School, University of Pennsylvania, a BS in Engineering and Applied Science from the California Institute of Technology (Caltech), and a Certified Mortgage Technologist (CMT) designation from the Mortgage Bankers Association.

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FinTech Innovation Lab
(moderator)

Info Security and Privacy – What You Want to Know but Afraid to Ask
 


Sharif Mahdavian
Vice President
ComplianceEase

 

Sharif Mahdavian is Vice President, National Sales at ComplianceEase, a leading provider of mortgage compliance technology solutions to the financial services industry.  Prior to joining the company, he served in a business development role at Lenderlive, where he was actively involved in operational implementation of regulatory disclosures for secondary market transactions. 

Mr. Mahdavian has a decade of experience as an analyst and manager in the Structured Finance Department at Standard & Poor’s from 2005-2015, where he most recently served as a Managing Director and Analytical Leader in the Residential Mortgage-Backed Securities (RMBS) group.  Prior to joining S&P, Mr. Mahdavian was a criminal prosecutor and partner in a Manhattan-based law firm from 1994-2005.

Mr. Mahdavian received a Bachelor of Arts degree from Dartmouth College and a Juris Doctor from the Fordham University School of Law.

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State Examinations and Enforcement Update: No Signs of Slowing Down




Malorie Hilscher
Senior Staff Attorney
ComplianceEase

 

Malorie Hilscher Catchpole is a Senior Staff Attorney at ComplianceEase, a leading provider of mortgage compliance technology solutions to the financial services industry.  During her 11 years at ComplianceEase, she has become an expert on a range of issues in the residential mortgage regulatory compliance space, from the Qualified Mortgage rule to Know Before You Owe.

In 2015 Ms. Catchpole was honored as Geek Wire’s “Geek of the Year” along with “Woman of the Year” from the Center For Women in Democracy. She was named a Rising Star of the by Housing Wire magazine in 2016.


Ms. Catchpole holds a Bachelor of Science in Economics from The George Washington University, and a Juris Doctor from Seattle University.


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Developing a Compliance Social Media Strategy

Regulatory Update: What’s Here to Stay, Gone Tomorrow, and Coming Soon


Neal Kingsley
Staff Attorney
ComplianceEase

Neal Kingsley is a Staff Attorney at ComplianceEase, a leading provider of mortgage compliance technology solutions to the financial services industry. Mr. Kingsley works with a broad range of teams within the company to insure that relevant regulations are faithfully and effectively implemented.

Prior to ComplianceEase, Mr. Kingsley worked in civil litigation with a focus on appellate practice.  He has extensive experience in regulatory interpretation, contract drafting and negotiation, and appellate procedure, and has successfully litigated suits regarding telecommunications, FEMA, and insurance regulations. He previously clerked for the Hon. Ronald Leighton in the Western District of Washington.

Mr. Kingsley holds a Bachelor of Arts from the University of Washington and Juris Doctor from the Seattle University School of Law.

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Preparing for NMLS 2.0




Frank Tuttle
SVP, Product Management
ComplianceEase 

Frank Tuttle is senior vice president of Product Management at ComplianceEase. Frank has over 20 years of software design and development experience in mortgage banking. He is the creator of the first regulatory compliance auditing system, author of the patent Loan compliance auditing system and method and lead founder of Mavent. His many technology accomplishments include the Foresight Loan Origination System, fully automated document generation and secondary marketing System, Semanak XML rule engine, the IPInteract technology and a very sophisticated loan product development and modeling system and regulatory compliance studio. Frank has consulted with many lenders, loan origination systems and service providers across the country in the finance industry. He is an expert with mortgage finance math, APR, TIL, auto finance and leasing, payment stream calculations, reverse mortgage calculations and mortgage calculations and requirements. Frank’s formal education includes a BEEE from Vanderbilt University and an MBA from Pepperdine University.

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FinTech Innovation Lab


Notes:
*Schedule, speakers, and topics subject to change.

Questions?

If you have any questions related to 2017 Risk & Compliance Summit, please email event@ComplianceEase.com.