Charlie Bartlett Charlie Bartlett is a former Examiner with The Texas Department of Banking with 26 years of experience in regulatory consulting and industry expertise in credit risk, regulatory risk, corporate governance, compliance risk and anti-money laundering. |
Judith Belanger Judith Belanger started her career in the Mortgage Industry in 1975. She was one of the founders of Cornerstone Mortgage Company in 1988. She has served as a Controller, a Servicing Manager, a Secondary Marketing Manager and a Residential Loan Officer. She is the oldest person to receive their CMB designation. She is currently President and COO of Cornerstone Mortgage Company. She’s a former president of the HMBA, a director of the TMBA and a member of the MBA. She lives in Houston with her husband David. They have two married sons and five grandchildren. |
Thomas E. Black, Jr. is the managing partner of Black, Mann & Graham, LLP, a firm he founded in 1997. The firm has offices in Dallas, Flower Mound and Houston, Texas with over 130 employees. Tom practices in the area of residential real estate law and represents clients that include Wells Fargo, Chase Bank, SunTrust, AmTrust, GMAC, Ditech, Flagstar Bank, HSBC and Met Life Home Loans. Tom was admitted to the practice of law in New York in 1979. In 1994 he was admitted to the Texas Bar. In 1976 Tom received a Bachelor of Arts degree from the University of Notre Dame. He received his Doctorate of Jurisprudence degree from the State University of New York at Buffalo in 1979. He received his Masters in Business Administration from The University of Notre Dame on May 18, 2008. Tom served as General Counsel to Goldome Realty Credit Corporation from 1982 to 1985. From 1985 to 1995 he held senior positions with several nationwide mortgage companies including Empire of America Realty Credit Corp., Foster Mortgage and Victoria Mortgage. Tom is a frequent lecturer at mortgage-related seminars. He was awarded the Faculty Fellow Award (1991) and the Master Faculty Fellow Award (2000) by the Mortgage Bankers Association of America. Tom also received the University at Buffalo Law Alumni Association’s 2008 Distinguished Alumni Award. Tom is active in the area of community service. He currently serves as Chairman of the Board of Christian Community Action, Inc. and on the Boards of the North Dallas Shared Ministries and the North Texas Food Bank. He serves as Chairman of The Dean’s Advisory Committee of the University at Buffalo Law School and was a member of the Search Committee for the new Dean. He serves on the University Life Advisory Board for the University of Notre Dame. He also serves on the Advisory Board for the Alliance for Catholic Education at the University of Notre Dame and the Parents Advisory Council for St. Mary’s College. He is also a member of the Texas Mortgage Bankers Association and the Mortgage Bankers Association of America. He is a past President of the Texas Association of Mortgage Attorneys and was General Counsel for Texas Mortgage Brokers Association. Tom, his wife Bridget, son Ryan and daughter Erin are residents of Flower Mound, Texas. |
Mr. Cordry has 15 years of mortgage banking experience, and has had roles both in secondary marketing and servicing analytics. His servicing experience includes managing a 65 Billion dollar portfolio, and he has also served as a consultant providing 3rd party valuation of MSR assets. Mr. Cordry has also lead secondary marketing groups for both retail and wholesale mortgage banks. At PrimeLending, Chris is responsible for modeling the locked and funded pipeline hedge position. Mr. Cordry is also responsible for risk reporting and the goals and strategies for the secondary marketing group at Prime. Chris holds a BS degree in Finance from Missouri State University. |
SuSheila Dhillon, CMB SuSheila is a principal with The Monticello Group and has over 25 years of financial industry experience including strategic planning, project management, as well as industry regulatory compliance consulting. She is recognized as an industry expert and has spoken at Euromoney Conferences, Mortgage Fraud Conferences as well as Mortgage Banking Conferences, and has been an instructor for the National Mortgage Bankers as well as AllRegs, the industry leader in analysis and interpretation of Federal Regulations and Agency Guidelines. SuSheila teaches Mortgage Banking Best Practices in International Emerging Markets. |
Robert Doggett A graduate of Texas A&M with a BBA in Business and a JD from the SMU Dedman School of Law. He has served in various capacities, including Chief of Code Compliance for the City of Dallas, City Attorney’s Office; Public Policy and Impact Section Chief for Legal Services of North Texas; and currently serves as the Team Manager of Foreclosure Defense for the Texas RioGrande Legal Aid, where he provides legal services and advice to indigent Texans in housing disputes and manages a team focused on foreclosure prevention. He also is a volunteer lobbyist for the Texas Housing Justice League. In 2008 he received the Houser Award from the Texas Low Income Housing Information Service. Mr. Doggett is an expert in Loan Servicing and frequently testifies before the Texas Senate Committee on Business & Commerce representing the homeowner. His most recent testimony was regarding mortgage loan servicers’ abuses and their impact on foreclosure rates. Mr. Doggett also is a frequent contributor to the foreclosurebuzz.org blog on topics ranging from MERS to the Protecting Tenants at Foreclosure Act. Mr. Doggett is a resident of Austin and he misses rain in any form. |
Christopher A. Eason Christopher Andrew Eason is an Assistant United States Attorney in the Eastern District of Texas in Plano, Texas, where he prosecutes mortgage fraud cases as well as other mail and wire fraud schemes. Mr. Eason has prosecuted several licensed real estate professionals – including appraisers, mortgage brokers, escrow officers, title attorneys, home builders, and loan officers – in mortgage fraud schemes that have caused millions of dollars of losses to lending institutions across the United States. Prior to joining the Department of Justice, he served on active duty in the United States Air Force as a Judge Advocate General for approximately seven years. During this time, he was stationed at Langley Air Force Base, Virginia, and at the Pentagon. In his last assignment, he prosecuted two members of al Qaeda at U.S. Naval Station, Guantanamo Bay, Cuba, including Osama bin Laden’s media secretary and another member of al Qaeda who was convicted of murder of a U.S. Army Special Forces soldier in violation of the law of war. |
Tony Florence Tony Florence joined the Department of Savings & Mortgage Lending in September 2003 and is currently serving as Chief Examiner. Prior to joining the department, Tony was a Vice President with Olympus Servicing, where he managed the Loan Resolution Department for this residential loan servicer. Tony has over 25 years of experience in the financial arena including loan origination, loan workout and loan servicing functions with variety of companies. Tony graduated from the University of Texas system in 1984 with a BBA in Marketing / Finance. |
Troy focuses on federal and state regulatory compliance and transactional work. He also assists clients with labor and employment issues. In regulatory compliance, Troy represents mortgage lenders and servicers, title companies, secondary market investors and builders in the areas of mortgage origination and servicing. In transactions, Troy works closely with senior management in forming, acquiring and selling mortgage banking companies. He helps clients perform and prepare for comprehensive due diligence reviews, and advises clients regarding credit lines, mortgage sale and servicing agreements and establishment of joint ventures. |
Kevin Gillespie He joined the company in June 2010. His responsibilities include management of the Distributed Retail Branch Originations Channel. Kevin has 27 years in the mortgage industry. During his career, Kevin was responsible for a variety of loan production and operational areas including process improvements, regulatory compliance, customer relations, capital markets, finance, quality control and overall production. |
Garrett Griffin Garrett Griffin is a mortgage industry professional with over 27 years of production experience. Garrett was First Vice President and regional manager with Flagstar Bank for 18 years and instrumental in developing the emerging correspondent model for Flagstar. Currently, Garrett is EVP of National Marketing and Fulfillment Services for P & P Services, INC. |
Patrick J. (PJ) Harrigan CMB As Divisional Vice President of Radian Guaranty’s Western region, Patrick (P.J.) Harrigan, AMP, CMB, is responsible for leading the company’s field sales account managers in Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. With more than 24 years of mortgage banking experience, Mr. Harrigan joined Radian from Franklin American Mortgage Company, where he was responsible for correspondent sales throughout Arizona, Colorado, New Mexico, Utah, and Wyoming. Prior to joining Franklin American, Mr. Harrigan spent three years as President of IndyMac Bank’s Western Correspondent Services Division and seventeen years at Principal Residential Mortgage, Inc. Mr. Harrigan holds a bachelor’s degree in business administration from Iowa State University and a master’s degree in public administration from Drake University. PJ is a graduate of the MBA’s School of Mortgage Banking, was a member of the MBA’s 2001 Futures Leaders Program and is a Certified Mortgage Banker. Harrigan currently serves as the chairperson of the MBA’s Grass Roots Lobbying Organization, the Mortgage Action Alliance and is a member of the MORPAC, Secondary Marketing and Production Committees. |
Lawrence “Larry” Huff is co-founder and co-CEO of Plano, Texas-based Optimal Blue LLC, a Software as a Service (SaaS) end-to-end pricing and secondary marketing automation platform. Huff, who has a unique entrepreneurial spirit with keen business savvy, vision and an extensive record of success in the mortgage, leasing and technology sectors, co-founded Optimal Blue with Dr. Ivan Darius. He has more than 20 years of executive experience in technology, business and product development and operations. In his current position, he is jointly responsible with emphasis on for the day-to-day management of the company with an emphasis on corporate strategy, sales and marketing, business development and product feature enhancements. Concurrent to co-founding Optimal Blue, Huff was chief operating officer of the Oakwood Group, a London-based Private Equity firm with responsibilities including the role of interim CEO of One World Leasing, Ltd in Manchester, England, where he was responsible for the daily operations and a staff of 50 employees as well as organizing and managing the business from its initial start-up stages in late 2002 until he returned to the states in 2006. Additionally, Huff was co-founder and COO of Sollen Technologies LLC in Dallas. While there, Sollen became the first successful SaaS selling automation and process improvement tools to the mortgage industry. Huff developed the business concept, plan, vision and strategy for the company and was charged with the development of all product concepts and features as well as sales and marketing. During his three-year tenure, the company grew from zero to $2.5 million in annual revenue. Huff began his career in mortgage banking and technology in late 1996 when he founded SMI Financial Services LLC. In less than three years, with no start-up capital, Huff built a successful mortgage banking operation with fundings in excess of $200 million per year. He attributes his success to improving and automating back-office operations, which helped him gain a competitive advantage. Huff earned a Bachelor of Science degree in geology and civil engineering from Texas A&M University. |
David Jackson has been selling insurance for 31 years. He started his career by selling life insurance with Northwestern Mutual with an expertise in estate tax planning and closely held corporations. In April of 1993, David and his father founded Mortgage Insurance Agency, Ltd. with a business plan to gain in-house underwriting authority nationally. David is now an underwriter for nine surety bonding companies, and Mortgage Insurance Agency has about 4,500 clients. In June 2011, Gallagher announced the acquisition of Mortgage Insurance Agency, Ltd. in Crystal Lake, Ill. David Jackson and his associates continue to operate in their Crystal Lake location under the direction of Tom Gallagher, Midwest Regional Manager of AJGRMS.
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Mr. Klassen is a Research Analyst for the Real Estate Center at Texas A&M University in College Station, Texas. He works closely with Dr. Mark Dotzour, Chief Economist, to identify emerging economic, social and political issues and evaluate how they might impact both commercial and residential real estate. Mr. Klassen received a bachelor’s degree in accounting and finance from Simon Fraser University in scenic Vancouver, British Columbia. He also holds an MBA from the University of Texas at San Antonio and a Master of Land Economics and Real Estate (MLERE) degree from Texas A&M University. |
Keith Kitterman is a Graduate of The University of Iowa. He has been a part of the Mortgage industry since 1992 serving in a variety of capacities.
Keith has been an officer for several large financial institutions ranging from Regional Manager to Director of Wholesale Lending. Keith has served as a Consultant to several firms desiring to improve their lending platform from Secondary markets, optimizing workflow and efficiencies to production strategies. As cited in the Dallas Business Journal, “Kitterman brings superior market knowledge, ingenuity and experience to markets and understands how to pilot a lending division during intense market pressures.” Keith resides in Allen, TX. He is married to Kerri Kitterman and they have wonderful twin boys. |
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Chris Long Chris is a co-owner of sister companies Sovereign Mortgage Services, Inc. and Primus Services Group LLC and serves as the Chairman and CEO of both organizations. Through her companies she provides quality assurance solutions and training to the residential mortgage industry. She is an active member of both mortgage banker and mortgage broker associations and formerly served on the board of the Dallas Mortgage Bankers Association. She has done training for the Texas Department of Savings and Mortgage Lending and has worked with the Department in directing examinations relating to licensed loan officer activities. She also developed classroom materials and instructs SAFE Act approved licensing training as the exclusive training provider for the Texas Mortgage Bankers Association. Chris holds a Bachelor of Science degree from Le Tourneau University, a J.D. from Texas Wesleyan School of Law and serves as an adjunct law professor at Texas Wesleyan. |
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Jim’s practice focuses on financial services industry federal and state regulatory compliance matters, particularly with respect to reverse mortgage lending issues. Jim represents and advises mortgage companies, consumer finance companies, financial institutions and secondary market investors. Jim is Co-General Counsel of the National Reverse Mortgage Lenders Association (NRMLA), the national trade association supporting reverse mortgage originators, servicers, investors and their vendors, and is nationally recognized as one of the leading lawyers in the area of reverse mortgage law. |
Mr. Moore is Area Assistant Vice President of Mortgage Insurance Agency which is a division of Arthur J. Gallagher Risk Management Services, Inc. He started his career in 2001 with Mortgage Insurance Agency, Ltd. After 4 years, was promoted to Vice President of Sales for the company, before its acquisition by Gallagher in June of 2010. He is now an Area Assistant Vice President and has specialized in the mortgage industry for the last 10 years. He oversees the Errors & Omissions and Fidelity Bond division of MIA. |
Applying his creative talents within the mortgage industry for over eight years, Chad Peterson has developed effective marketing approaches that are fresh and innovative. Chad knows the ins and outs of growing a person's sphere of influence, especially utilizing social media. He was instrumental in developing PlainsCapital Corporation's systems and policies to introduce and permit “social media” into loan officers’ strategic marketing plans. Focusing mainly on facebook, twitter, linkedin, blogs and youtube, Chad works to incorporate and intertwine these useful sites into a proven and successful marketing strategy. Chad earned a Bachelors of Arts in Business from Baylor University and a Masters in Educational Administration from Texas A&M University. He also worked four years in Leadership Development and Special Performances at Baylor University. |
Philip Rasori Mr. Rasori is a recognized thought-leader in capital markets operations within the mortgage banking community. His areas of expertise include complex financial modeling, computational dynamics, and linear programming for operational optimization. He developed the ground-breaking mortgage pipeline hedging algorithms that form the foundation of MCT’s HALO Program today. He has also pioneered several metrics that have become standard industry parlance, including “beta pull-through” factors. In addition to banking clients, Mr. Rasori has consulted with GSE agencies and the US Government on hedging best practices for community banks. Mr. Rasori, has functionally led MCT operations since 2005 and ascended to his current role as COO in 2007. Mr. Rasori is a graduate of University of California, San Diego, and holds a B.S. in Management Science. |
Amy Swaney, CMB got her mortgage career started over 20 years ago at the age of 19. In 2000, she was appointed to the Board of Directors of the Arizona Mortgage Lenders Association (AMLA). Amy’s responsibility with AMLA grew over the years and in 2006 she took its helm as President. That year she created and implemented the “Future Leader of Arizona” leadership program. This program introduced its select members to the different facets of industry involvement such as political, legislative, and regulatory participation, which is required to be considered a true professional in the mortgage industry. In 2002, she was selected as one of 35 individuals nationwide to be involved in the Mortgage Bankers Association leadership scholarship program. This program sparked her passion for legislative involvement. Currently she sits on the national MORPAC Steering Committee and the Mortgage Action Alliance Steering Committee, the industry grassroots organization promoting individual involvement with Congressional and Legislative members. She is considered an industry expert and is frequently interviewed and often approached by television and print media. She regularly speaks across the country to Real Estate, Title and Legal groups on topics from legislation, industry education and regulatory changes. Today, Amy’s main focus is still managing her own multimillion dollar production pipeline within the Swaney ~ Geenen Group at Citywide Home Loans. She is one of only eleven residential mortgage professionals in the state of Arizona with their Certified Mortgage Banker (CMB) designation and one of 1,100 nationwide. During her minimal personal time she enjoys raising her wonderful 10 year old daughter, 13 year old step-daughter and 16 year old step-son with her husband, PJ Harrigan. Their family also welcomed Kate, their beautiful daughter born June 30, 2009. |
 Texas Representative Vicki TruittDistrict 98 Now in her seventh term in office, our own state Rep. Vicki Truitt is a recognized leader in the Texas House of Representatives. She is the current Chairman of Texas House of Representatives' Committee on Pensions, Investments, and Financial Services, and is a member of the House Committee on Public Health. Prior to ascending to the chair of Pensions, Investments and Financial Services, she was the Chairman of Budget and Oversight for the House Committee on Public Health, Vice Chairman of the prestigious Sunset Advisory Commission, and a member of the state's budget writing Appropriations Committee. Vicki holds an appointment to the Texas Pension Review Board, and is the Chairman of the Executive Committee for the Texas Office for the Prevention of Developmental Disabilities. She is a member of the American Legislative Exchange Council (ALEC) and the National Conference of State Legislatures (NCSL). She was named, “Legislator of the Year” by the Texas Retired Teacher Association, and a “Fighter For Free Enterprise,” by the Texas Association Business for her work during the 2009 session of the Texas Legislature. Vicki is a native and lifelong resident of Northeast Tarrant County, and remains involved in community endeavors. She is a member of the Northeast Leadership Forum and a recipient of that organization’s “Distinguished Leadership Award,” and the Keller Chamber of Commerce named her the “2010 Spirit of Enterprise” award winner. She is a member of the Metroport Cities Partnership, the Southlake Executive Forum, the Mid-Cities Supporters of SafeHaven, an Honorary member of the Southlake Rotary Club, on the Board of the Rocky Top Therapy Center, on the Advisory Board for Southlake Art in the Square, and, among others, has served on the boards and executive committees of Metroport Meals On Wheels and ARTSNET. She is the Past-President of the Rotary Club of Keller, as well as the Past-President of the Keller Rotary Foundation. She has been a Rotary Interact Club advisor, has hosted Rotary International Exchange Students, and is a Rotary Paul Harris Fellow. Outside the Texas Legislature, Vicki has worked in the health care field for more than three decades. She owns and operates a small health care consulting company specializing in medical staff development. She and her husband, Jim, have been married for more than 30 years. They have two adult daughters and five grandchildren. In her former life, Vicki trained and showed horses, and was a national champion barrel racer. One newspaper described her as "having a calm demeanor, yet bulldog determination." In fact, during her very first term in office, her House colleagues gave her the nickname, "Bulldog." But she says that her determination and tenacity are focused to serve those to whom she owes her allegiance - the people of the 98th Texas House District, and she says that, "Resolve and a willingness to engage in an occasional war of the wills is essential if I am to effectively serve the people I represent." |
Kevin J. Whalen Kevin J. Whalen is currently employed as a Senior Special Agent with the U.S. Department of the Treasury, Financial Crimes Enforcement Network (FinCEN), Office of Law Enforcement Support, in Vienna, Virginia. He specializes in mortgage fraud intelligence, debt relief fraud, and other financial crimes, working closely with Federal, State, and Local law enforcement agencies nationwide. Agent Whalen is a member of President Obama’s Financial Fraud Enforcement Task Force (FFETF), Mortgage Fraud Working Group (MFWG), and is a member of the DOJ MFWG and Bank Fraud Working Group. Agent Whalen transferred to FinCEN in 2009 from the U.S. Department of HUD, Office of Inspector General (OIG) where he succeeded in numerous law enforcement positions over 21 years investigating public corruption, contractor fraud, violent drug gangs, organized crime, finding missing children, rental assistance fraud, disaster fraud, mortgage fraud, and money laundering crimes in HUD programs. Agent Whalen has 29 years in federal law enforcement that involved assignments to federal task forces, fraud sweeps and initiatives, especially the Office of Independent Council on the HUD Scandal, the HUD Housing Fraud Initiative in DC, the ATF Project Uptown Task Force on violent crime in HUD housing, the Federal Agency Task Force on Missing and Exploited Children, the Hurricane Katrina Fraud Task Force, and the current FFETF. Agent Whalen received numerous awards for his work, most notably the DOJ U.S. Attorney’s Office Award from the former Washington, D.C. U.S. Attorney Eric Holder. Agent Whalen holds numerous law enforcement certifications. He is an active leader and member with the Boy Scouts of America, member and supporter of the National Law Enforcement Officers Memorial, and avid bicycle rider in the Police Unity Tour, Best Buddies and Special Olympics. He lives with his family of four boys in Northern Virginia. |
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Thomas E. Black, Jr. 
Chris Cordry
Troy W. Garris
Lawrence Huff
David J. Jackson, CLU
Gerald Klassen
Keith Kitterman
Ruth Lee
Zixta Q. Martinez
James M. Milano
Michael Moore
Chad Peterson
Amy Swaney, CMB
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