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. 


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.

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.

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.

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.

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.

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.

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.

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.

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.





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