Heath Carpenter

Heath Carpenter is currently the SVP of Customer Service and Collections for Rushmore Loan Management Services.  He has 17 years in the mortgage industry managing multiple servicing functions including Customer Service, Collections, Loss Mitigation, Underwriting, Default Operations, Pre-Foreclosure, Fulfilment, Acquisitions, and several other Loan Administration processes.  Heath previously worked for 9 years at Residential Credit Solutions as SVP of Customer Service, Collections, and Loss Mitigation, and also held leadership roles at Saxon Mortgage Services and Green Tree Servicing. 


Jeff Aiken

SVP – Default Management, Stonegate Mortgage

Jeff Aiken has more than 20 years’ leadership experience in the mortgage industry, with a focus on default servicing from both the institutional and vendor sides of the business. He has worked for financial and real estate services corporations including Bank of America, Wells Fargo & Co., Fidelity National Financial and privately held entities. Jeff joined Stonegate Mortage in January 2016 to lead Default Operations. He is a graduate of Southern Methodist University in Dallas, Texas.

David Allison

Mr. Allison is Senior Vice President and Manager of Marketing and Business Development.  Mr. Allison has also been responsible for all loan servicing operations at Dovenmuehle.  Mr. Allison was formerly Director of Global Cash Management Operations at Mellon Bank in Pittsburgh, Pennsylvania with responsibility for all domestic banking operations centers with a total staff of approximately 1,500.  Also at Mellon Bank, Mr. Allison held various management positions in the International Banking Department in London, Madrid, Milan and New York with responsibility for credit portfolios in excess of $500 million.  Mr. Allison is a graduate of Trinity University in San Antonio, Texas with a B.S. in Economics and The American Graduate School of International Management in Glendale, Arizona with a Masters Degree in International Management.  Mr. Allison is a member of the Loan Administration Committee of the Mortgage Bankers Association and former member of the MBA Council on Residential Mortgage Servicing in the 21st Century.  Mr. Allison is an active volunteer and instructor with the Partners for Progress Therapeutic Riding Center for special needs children in Illinois.

Bart Bailey

Global Product Manager - CeleritiFinTech

Mr. Bailey has over 18 years of loan servicing, call center and management experience.  As a Global Product Manager with CeleritiFinTech (CSC), he is responsible for EarlyResolution, AIMS & Hogan Loans.  Previously he held the position of Vice President of Loss Mitigation Outsourcing with First American.  Prior to joining First American, Mr. Bailey held the position of Vice President at EMC Mortgage Corporation where he had responsibility for Collections, Loss Mitigation, Recovery Collections, Skip Tracing and Junior Lien Monitoring.  Additional positions include Senior Vice President of Servicing & Default for Union Acceptance Corporation and Director of Operations – Technology with Fairbanks Capital Corp.  He holds a Bachelor of Science degree in Business Management from the University of Utah.

Barry R. BakerBarry R. Baker

CMB Director of Mortgage Servicing, Benchmark Mortgage

Barry has over 28 years of residential and commercial mortgage experience in mortgage servicing. Currently he is the Director of Mortgage Servicing and Compliance/Oversight for Benchmark Mortgage, where he manages all aspects of mortgage servicing. During his mortgage career Barry has served as the Director of Default Servicing for USAA, EVP of Operations for Mortgage Specialist Int’l (MSI), and VP of Default Servicing for Colonial Savings dba Colonial National Mortgage.

Todd BartonTodd Barton

Vice President and Deputy General Counsel, Fannie Mae

Todd Barton is Fannie Mae’s Vice President and Deputy General Counsel for Credit Loss Management. He is responsible for legal support for lender counterparty issues, Texas Home Equity loans, bankruptcy issues, the Real Estate Owned business unit, and Mortgage Default Counsel.  Prior to joining Fannie Mae in August 2003, Barton was a Partner with the Dallas law firm of Carrington, Coleman, Sloman, and Blumenthal, LLP. He practiced with the firm for 14 years, and his practice included complex commercial litigation and bankruptcy matters. Barton is admitted to practice in the State of Texas, the United States District Courts for the Northern, Eastern, Western, and Southern Districts of Texas, and the United States Court of Appeals for the Fifth Circuit. Barton has a juris doctorate from the University of Oklahoma College of Law.

Brian Braly

Vice President of Contact Strategy, Caliber Home Loans

Brian Braly is the Vice President of Contact Strategy for Caliber Home Loans. He has over 15 years of mortgage servicing experience managing multiple functions within Caliber including Collections, Loss Mitigation, Asset Oversight, and Contact Strategy.  His current responsibilities include strategy development for multichannel borrower engagement including the servicing web portal, mobile app, and IVR, as well as, outbound contact strategy development and execution, borrower correspondence administration, and Workforce Management

James D. CampbellJames D. Campbell

Executive VP - Asset Performance, Caliber Home Loans, Inc.

Mr. Campbell has over 30 years in the financial industry with a successful record of developing cost control and streamlined servicer management initiatives at Deutsche Bank, Credit Suisse, Ocwen Federal Bank and CommonPoint Mortgage. At Caliber Home Loans, Inc. he collaborates with investors on strategic initiatives, has responsibility for loan boarding, manages an enterprise analytics team responsible for developing proprietary decision-making models and reporting, oversees the escrow department, actively manages the real estate owned function and reporting to investor’s holding the loans serviced by Caliber.

Daniel C. Chilton

Managing Attorney, Citibank

Mr. Daniel C. Chilton is Managing Attorney of Citibank’s Law Firm Oversight.  Mr. Chilton is an experienced financial services attorney and has served on numerous financial services panels because of his extensive experience and expertise in the areas of financial services, regulatory compliance and corporate affairs.  He has been with Citi since 2002 and has held positions in Operations, Finance and Legal.  He earned his degrees in Finance and in Economics at Northern Kentucky University, and his Juris Doctor at Salmon P. Chase, College of Law.  Mr. Chilton is licensed in Ohio and Kentucky, and currently lives in Flower Mound, Texas with his wife and four children.

Lisa L. Cockrell

Managing Attorney, Codilis & Stawiarski, P.C.

Ms. Cockrell is the Managing Attorney of Codilis & Stawiarski, P.C., and has been representing servicers and lenders on foreclosure and bankruptcy matters since 2003. Ms. Cockrell joined the firm in 2003 and worked eleven years as Senior Bankruptcy Counsel and worked alongside with the managing attorney at that time regarding contested matters in litigation regarding foreclosure and eviction issues. She has been very active on committees throughout her career and has been a guest speaker in past years at various conferences on consumer issues and creditors’ rights. She left the firm for a brief period of time in 2014 to work specifically with a reverse mortgage servicer where she gained valuable insight into this emerging area of law as well as concentrating on issues Servicers face in the servicing world.

John Crane

Managing Partner - RAS Crane, LLP

John Crane received his Bachelor's Degree from the University of Tennessee and his law degree from Mississippi College School of Law. Mr. Crane counsels national mortgage servicers on the myriad of federal and state laws impacting foreclosure, bankruptcy, loss mitigation, REO, eviction and other areas of the default servicing industry. His areas of expertise include bankruptcy law, creditor rights, foreclosure law, property law, Fair Debt Collection Practices Act, Truth-in-Lending, RESPA, mortgage regulatory compliance, banking regulations and FCRA. Mr. Crane has devoted much of his time to the consumer bankruptcy space and has played an active role in the National Association of Chapter 13 Trustees (NACTT) Mortgage Committee and currently serves as the Committee’s Co-Chairman. Prior to joining the firm, he was the Deputy General Counsel of Citi’s North American Operations where he provided legal support to the default servicing areas within Citi’s consumer businesses.

Joel DavisJoel Davis

Senior Vice President, Customer Care, Freedom Mortgage

Joel Davis serves as Senior Vice President of Customer Care and Early Intervention. Joel brings over 15 years of call center and financial services experience, with a proven record of devising, implementing and executing effective strategies that maximize operational effectiveness, minimize costs and propel organizations to their optimal levels. Prior to joining Freedom, Joel has held a number of different Executive Leadership roles focusing primarily in the Contact Center Space at Kaiser Permanente, where he most recently was responsible for managing over 2,000 Customer Care Representatives. Prior to his assignment at Kaiser Permanente, Joel has held a number of leadership roles, such as Senior Director of Call Center Operations for Walgreens, Senior Vice President of Residential Servicing Call Center Operations at Nationstar Mortgage and Aurora Bank FSB, Vice President of Residential Servicing Call Center Operations at Saxon Mortgage, and Assistant Vice President of Servicing Call Center Operations at Washington Mutual.

Christopher Dove

Director of Operations for the Homeownership Preservation Office, U.S. Department of the Treasury

Christopher Dove, is the Director of Operations for the Homeownership Preservation Office at the U.S. Department of the Treasury.  As the Director, he oversees the implementation of Making Home Affordable’s foreclosure prevention programs among participating servicers, key state stakeholders, and trusted advisors, including monitoring borrower and program performance.  In addition he also he also manages many of MHA’s consumer-facing operations including the Homeowner’s HOPE Hotline, Borrower Escalation Centers and Post Modification Counseling Initiative.

Courtney Ehinger

SVP, Performing Servicing, Nationstar Mortgage

Courtney Ehinger joined Nationstar in March of 2012 as Senior Vice President of Servicing Operations, transitioning to EVP of Core Servicing in August 2014.  Effective June 2015, Courtney was promoted to EVP of Performing Servicing, replacing Kim Greaves in this Senior Servicing leadership role. Mrs. Ehinger previously held leadership roles at Homecomings Financial, GMAC-RFC as Director of Operations in their International Business Group, and SVP of Loan Administration and Special Servicing at Saxon Mortgage, a division of Morgan Stanley. She has 16 years of experience in the mortgage industry.  Mrs. Ehinger earned a Bachelor’s of Business Administration/International Business from the University of Oklahoma, and a Master’s of Business Administration from the University of North Texas.

Scott G. Ellerbee

Vice President, Customer Relations

Scott joined Nationstar Mortgage in June 2013 as Vice President of Customer Relations. His responsibilities include Nationstar’s Social Media Listing Room, Community Outreach Operations, and Hardest Hit Fund processing.  Scott has 31 years experience in the mortgage servicing industry. 

Scott began his career in 1985 with Household Finance and was appointed Branch Manager in 1987. Over his career, he has advanced to higher levels of responsibility with companies including Fleet Financial Group, Provident Consumer Financial Services, Homebanc Mortgage, and Homeward Residential.  Previous experience includes managing mortgage processing/underwriting teams, international multi-site Default Call Centers, Single Point of Contact Call Centers, and Short Sale Processing teams.

Scott obtained a B.B.A in Business Management from Valdosta State University and is a graduate of the University of North Carolina Management Development Program.

Pam Forrester

Vice President of Operations Management, First American Mortgage Solutions

Pam Forrester is Vice President of Operations Management for First American Mortgage Solutions Post Closing Services. In this position, Pam is responsible for managing delivery of a variety of products which provide servicers the ability to deliver a full collateral package in the MSR/MSA process, verify and resolve document file defects, curing chain of title issues in support of the foreclosure referral process, lien release services, and other loan boarding and document management and warehousing services.

Pam brings almost 30 years of mortgage experience to First American’s leadership team. Most recently, she served as Assistant Vice President for Mortgage Contracting Services. Prior to that, Pam held leadership roles in Business Process Outsourcing, Training and Development, and Default Servicing with CoreLogic formerly, First American Financial Corporation.

In addition to extensive experience with Post Closing and Servicing functions, Pam has a broad knowledge base in mortgage origination, underwriting, and regulatory requirements acquired during her tenure at Wells Fargo Home Mortgage, Bank of America, and Colonial Mortgage. Among a number of industry certifications, Pam has Bachelor of Science degrees in Business Management and Finance from University of Phoenix.

Michael J. HendersonMichael J. Henderson

Associate General Counsel, Freddie Mac

Michael J. Henderson joined Freddie Mac's Single Family Default Management and Litigation Department as an Associate General Counsel in 2012.  He manages litigation, state legislative and other legal issues related to Freddie Mac's single family loan and real-estate owned portfolios. He also provides internal policy and procedural guidance regarding default management, manages servicer relationships and supervises outside counsel on litigated matters.

Prior to joining Freddie Mac, he worked in private practice for 10 years in both Florida and Washington D.C., specializing in complex litigation matters involving financial services, real estate, intellectual property, and appellate issues. He earned his undergraduate degree from Florida State University in 1996, and obtained his Juris Doctor, cum laude, from Stetson University in 2001.  Upon graduation, he served as a judicial law clerk to the Honorable Charles R. Wilson of the U.S. Court of Appeals for the Eleventh Circuit.  He is admitted to practice in Florida, New York, Virginia and the District of Columbia.

John KennedyJohn Kennedy

Director Single Family Business, Fannie Mae

John Kennedy is a mortgage industry veteran with 24+ years of experience focused on loan origination, business development, and the customer experience. John joined Fannie Mae six years ago to develop and launch Know Your Options Customer CARE—a consultative customer service approach that helps mortgage servicers more effectively assist homeowners facing foreclosure through sales training, scripting and a Single Point of Contact (SPOC) model. His team is now expanding on this approach to train loan officers on the effective use of Fannie Mae’s HomeReady® mortgage.

John also leads several Fannie Mae contact centers, including those that handle consumer inquiries, servicing escalations, and Selling Guide (underwriting) support. In addition, John manages Fannie Mae’s relationship with the Neighborhood Assistance Corporation of America (NACA) in a partnership focused on effective customer service and foreclosure prevention in the mortgage industry.

Bill KillmerBill Killmer

Senior Vice President for Legislative and Political Affairs, Mortgage Bankers Association

Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of nearly twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, as well as other key political advocacy efforts.

Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB). During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach.

He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration. Killmer holds a Bachelor's degree in Business Administration (BBA) with a concentration in Finance/Economics from Baylor University.

Marion McDougallMarion McDougall

VP, Operations, Caliber Home Loans, Inc.

Marion McDougall is EVP, Operations for Caliber Home Loans, Inc. Her responsibilities encompass all Servicing functions (including Performing Servicing, Default Servicing, Investor Reporting, Asset Performance, and Sales and Acquisitions), as well as Post Closing, Policies & Procedures, Training and Human Resources. Prior to joining Caliber, Marion served as COO at MetLife Bank, N.A. for five years overseeing the company’s retail banking operations, forward and reverse mortgage servicing and delivery operations. Marion has over 28 years in the mortgage industry and has held senior leadership positions with EDS, Norwest Bank and Independence One Mortgage Corporation.

Kristin MesserliKristin Messerli

Managing Director, Cultural Outreach Solutions

Kristin Messerli is the Founder and Managing Director of Cultural Outreach Solutions, specializing in helping companies in the mortgage industry better reach and serve multicultural and Millennial homebuyers. Her expertise is in multicultural marketing, Millennial homeownership, and compliance with diversity regulations in the Dodd-Frank. Kristin is a frequent speaker at national conferences in the industry and has written for numerous publications. In addition to her business, she consults with the National Association of Hispanic Real Estate Professionals Consulting Services, and she is the co-author of the MBA’s Section 342 Compliance Essentials Toolkit. Kristin started her career in the mortgage industry and later worked as a social worker both locally and abroad, training providers on culturally competent practice. Prior to starting her own business, she consulted with former McKinsey consultants at the Center for the Creation of Economic Wealth to develop international social enterprises. Kristin is fluent in Spanish and holds her Masters in Public Administration from the University of Oklahoma.

Shaun A. Monthie

Senior Leader/Vice President – Customer Experience, Colonial Savings, F.A.

Shaun Monthie currently leads Customer Experience for Colonial Savings, F.A.  He has 16 years of experience in the mortgage servicing industry with an emphasis on customer satisfaction.  This includes leadership of multiple areas ranging from customer care and default to information technology.   Prior to joining Colonial Savings, Shaun was an integral member of the senior management team responsible for implementing Freedom Mortgage’s servicing division including leadership of Customer Care, Loss Mitigation and Payment Processing.  He previously held management roles at Retreat Capital, Residential Credit Solutions and New Century Mortgage.  He currently serves as a member of the LoanServ Client Advisory Council.

Allen C. MyersAllen C. Myers

Allen serves as LOB Counsel to Chase’s Foreclosure Department, providing legal support on a wide range of issues implicating federal, state, and local laws and regulations, covering the foreclosure process from sending the demand letter to vesting in REO.  Prior to joining Chase, Allen served as litigation counsel with Ocwen, practiced complex mortgage litigation with Goodwin Procter in DC, and clerked for Senior US District Judge Robert Payne in Richmond, Virginia.  An alumnus of Washington & Lee School of Law and the University of Virginia, Allen lives in Dallas with his wife and two daughters.

Creighton OswaldCreighton Oswald

SVP, Director Mortgage Loan Servicing, Texas Capital Bank

Creighton joined the Texas Capital Bank team in November, 2014 where he has been assigned the task of building out the organization’s mortgage servicing operation. Immediately prior to joining Texas Capital, Creighton served as EVP of Mortgage Servicing at BBVA Compass where he was responsible for the management and strategic oversight of that institution’s $20 Billion consumer real estate secured portfolio.
His functionally broad-based career in banking and financial services spans over two decades and boasts key leadership assignments with a number of industry leading organizations including Merrill Lynch, Daimler Benz, Washington Mutual, and JP Morgan Chase. He has held key domestic and international leadership positions in consumer, small business, and commercial lending, loan servicing and operations, and securities investment management.

Benjamin Paden

Business Development Manager for Doyle & Foutty, P.C.

Benjamin Paden is the Business Development Manager for Doyle & Foutty, P.C. He graduated with a Bachelor’s Degree in business from Milligan College in May of 2003 and has been with the Firm since 2005. His duties include attending all industry conferences and functions to stay current on industry news, trends and developments as well as network with other professionals in an effort to maintain existing client relationships and develop new client relationships.

Allen Price

Senior Vice President of Business Development, RoundPoint Mortgage

Allen Price serves as Senior Vice President of Business Development.  Mr. Price joined RoundPoint from LoanCare, part of Black Knight Financial Services, where he was SVP and head of business development for subservicing.  In that position, he focused his team on acquiring subservicing assets from a variety of investors that included: capital market participants, credit unions and credit union service organizations, independent mortgage banking firms, private equity firms, and state housing finance agencies as well as the GSEs.  Prior to LoanCare, Mr. Price was Senior Vice President and Head of Business Development for Nationstar Mortgage, a Fortress Company.  Earlier in his career, he was Vice President and Senior Risk Executive for residential mortgages for BBVA Compass, and served as Senior Vice President of Capital Markets Risk for Bank of America.  Allen started his career at Fannie Mae and received his formal credit training from SunTrust Bank.  Mr. Price obtained his B.B.A. from the University of Baltimore.

Tim J. Ryan, CMBTim J. Ryan, CMB

MortgageSAT Senior Director

Tim Ryan joined STRATMOR in June 2014 as Senior Director over STRATMOR’s borrower satisfaction survey service. His role includes client sales, marketing, survey instrument management, customer support and product development. Since coming to STRATMOR he has overseen dramatic growth in the MortgageSAT service and development of MortgageSAT for Servicing, TPO, Referral and Home Equity. Prior to joining STRATMOR, Tim held a variety of positions in the mortgage banking industry.

As Senior Director for Mortgage studies at J.D. Power and Associates, Tim developed and managed the Mortgage and Home Equity research studies for both the Origination and Servicing disciplines. These studies annually ranked and analyzed national lenders in customer satisfaction.

Tim also served as Vice President at Fannie Mae. During his tenure, Tim grew the purchase activity for the Chicago office from 6% of corporate business to over 33%. Tim’s team also developed the 7-year balloon and ASAP funding products and completed Fannie Mae’s largest single contract with a Lender. His office was a leader in DU and DO implementation and usage. In addition, Tim was Vice President for Technology Marketing. In this role he led the national sales and marketing for DO (Desktop Originator). It was in this role that Tim became a founding member of MISMO.

Tim’s career in mortgage banking originated with his role as Vice President with a Mortgage Insurance company and began in the industry in production for Lomas and Nettleton.
Tim is based in suburban Chicago. He has CMB (Certified Mortgage Banker) designation and graduated from the University of Texas in Austin.

Eric Selk

Executive Director, HOPE NOW

Eric Selk leads HOPE NOW, a progressive housing association that addresses business, government and third-party engagement to assist mortgage servicers. As the Executive Director, he has brokered relationships between the public and private sector to address consumer-facing issues, operational risk, compliance and best practices for broad mortgage industry adoption and execution. The HOPE NOW Alliance has assisted in the education, guidance and execution on government initiatives and new compliance standards. HOPE NOW has developed a coalition of like-minded mortgage servicers who are focused on improving the customer experience. The coalition shares best practices and involves third parties to help lower risk while at the same time improving business models. Prior to joining HOPE NOW, Eric was a college professor in Lincoln Nebraska for fifteen years. Eric is a native of Iowa and received his graduate degree from University of South Dakota.

Joel Singerman

Counsel - Office of Regulations, Consumer Financial Protection Bureau

Mr. Singerman serves as counsel in the CFPB’s Office of Regulations, where he works on the mortgage servicing regulations and other mortgage-related issues.  He worked on both the recent proposal and final amendments to the mortgage servicing rules under Regulation X and Regulation Z.  Prior to joining the Office of Regulations, Mr. Singerman worked in the Bureau’s offices of Consumer Response and Enforcement, also focusing on mortgage servicing issues.  Mr. Singerman earned his law degree from the George Washington University Law School and has a master’s degree from Johns Hopkins.

Brian Vaughn

Director of Marketing, McCalla Raymer Pierce, LLC

Brian Vaughn joined McCalla Raymer Pierce in 2010 and serves as the Firm’s Director of Marketing. In this capacity, Mr. Vaughn is responsible for all marketing, client relations, communications, development and public relations efforts of the Firm.

Mr. Vaughn holds a B.S. from Oklahoma State University, and brings extensive mortgage and financial service industry knowledge and experience to the Firm's management team, including prior professional experience as Product Manager for CoreLogic, and Senior Program Manager for First American Corporation’s Global Offshoring Services division.

John Wadle

Vice President of Operations, Stewart Lender Services

John is the Vice President of Operations at Stewart Lender Services. John is responsible for managing Stewart’s Servicing Oversight and Compliance department.
He has 12 years of experience in the residential mortgage industry including high-risk default servicing, securitization oversight, loss mitigation, customer service, and quality control. John also has experience in commercial real estate as an analyst and loan closer for a brokerage firm and managing tenant services for a property management firm.





M & M Mortgage Services, Inc.
RUTH RUHL, PC - Attorney At Law

Barrett Daffin Frappier Turner & Engel, LLP
Caliber Home Loans, Inc.
Fiserv, Inc.
McCalla Raymer Pierce, LLC
PHH Mortgage
Roundpoint Mortgage Servicing Corporation
Rushmore Loan Management Services LLC
Wells Fargo Home Mortgage

BackInTheBlack - AMO Inc.
Codilis & Stawiarski, PC
Colonial Savings
First American Mortgage Solutions
Mortgage Contracting Services
Stewart Lender Services

Law Office of Michael J. Schroeder