2018 14th Annual GREFPAC Conference  Speakers

Keynote Topic: How New Technology is Re-Shaping the Lender/Investor Ability to Assess Credit Worthiness

 

   Keynote Speaker: Ann Fulmer, FormFree, Chief Strategist and Industry Relations Officer.
Ann drives FormFree's strategic planning and implementation, manages the firm's institutional relationships and interactions with federal and state regulators and oversees outreach to industry associations and advocacy groups. In addition, she will spearhead the firm's long-term development of a comprehensive mortgage compliance solution.

She is a nationally recognized strategist, thought leader, speaker and author specializing in data integrity, fraud and federal/Consumer Financial Protection Bureau (CFPB) regulatory compliance in mortgage loan originations, Fulmer has been a mortgage industry mainstay for more than 17 years.

Most recently, Ann was vice president of industry relations and strategy for First American Mortgage Solutions following its 2014 acquisition of mortgage fraud solutions provider Interthinx, a groundbreaking data and analytics innovator she joined in 2005. Previously, Fulmer built her grassroots mortgage fraud expertise in metro Atlanta in her roles as Assistant DeKalb County district attorney and in the county's tax assessor's office, where she helped develop metrics to identify mortgage fraud in property transactions.

"Thanks to the maturation of augmented intelligence and other digital solutions that automate data-intensive processes, the mortgage industry is poised to solve some of its most deeply-rooted challenges, and FormFree has led the way with its AccountChek asset verification app already transforming both the borrower and lender experience," said Fulmer. "Given my decades-long obsession with risk management and fraud mitigation in mortgage lending, joining FormFree as an employee feels a lot like coming home."
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Topic: Balancing Business, Ethics, and Legalities in a Hyper-Regulated Industry

  Bob Simpson, QuestSoft Verification and Audit Services, President 

Bob Simpson has two positions at QuestSoft, one as a company senior vice president, and the second overseeing QuestSoft’s newest division, Verification and Audit Services. Bob has been an industry expert in the field of mortgage loan investigations for more than 20 years. He has vast experience in the verification and quality control business having been president of Investors Mortgage Asset Recovery Co. (IMARC) managing several hundred employees at one time, and as a successful mortgage fraud attorney providing investigation services to some of the nation’s most prominent lenders and mortgage insurance companies.

Bob has also been nationally recognized on television and through his public speaking for his expertise in the areas of mortgage credit quality and detection of fraud in lending processes and operations. IMARC was acquired by QuestSoft in September 2017.

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PANEL DISCUSSION: Does Fraud Still Matter?

 Don Effertz, DataVerify, Vice President Fraud Risk Management
Don manages a team of seasoned mortgage and fraud professionals who are responsible for assisting with client product understanding, training, customization and product enhancement. He joined DataVerify in December 2008 following a 25 year career in mortgage banking with a primary focus on Operational Risk Management, Quality Assurance and Fraud Prevention. 

He has published several articles in national periodicals concerning mortgage fraud awareness and prevention and has conducted fraud awareness training courses across the country.

Prior to joining DataVerify Don was a VP with Interthinx where he managed several areas including File Review, Customer Service and Industry Relations. He has also served at SVP over Operational Risk Management at JPMorganChase where  he was a member and former chair of the Operational Risk Management Committee, a member of Freddie Mac’s Fraud Roundtable and MBA’s Fraud and Ethics Subcommittee. Effertz holds a Bachelor of Science degree from St. John’s University in Collegeville, MN.

 Bridget Berg, CoreLogic, Principal, Fraud Solutions Strategy
Bridget leads the delivery of fraud risk management solutions to the mortgage industry. With over 30 years of major financial institution experience, she has focused on all aspects of mortgage fraud, managing investigations and developing fraud risk programs and analytics.

Prior to that, she was a Vice President of Fraud Risk Management at Wells Fargo, where she managed the fraud strategies team that supports Wells Fargo Consumer Real Estate Lending business lines. From 1985 to 1996, she had roles in mortgage loan production, underwriting, closing, wholesale lending, correspondent lending, post-closing, and quality control.  Since 1997, she specialized in mortgage fraud operations, strategy, controls, and development of new tools/methods to combat fraud, with an emphasis on the use of data analysis as a prevention and early detection tool.  Bridget received her BA in Finance from the University of St. Thomas in St. Paul, Minnesota.
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TOPIC: A Case Walkthrough - Illuminating the Dark Net:   Analysis of a Cyber Dark Net Investigation.

 Michael Anaya, FBI Atlanta, Supervisory Special Agent, Cy2 (Cyber Crimes Squad)
The FBI selected Michael F. D. Anaya to serve as a Supervisory Special Agent (SSA) in the Atlanta Field Office on a Cyber Squad. He was chosen, due to his outstanding work as a lead Agent on several complex Cyber cases and his reputation as a strong and dynamic leader. In addition, SSA Anaya has a breadth of knowledge (spanning 12 years) in various other investigations involving program fraud, extortion, terrorism, fugitive apprehension, and counterintelligence. Prior to joining the FBI, SSA Anaya worked as a lead application developer, designing and developing software for major commercial banks. In college, he studied Business Computer Systems and Finance at various universities.
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PANEL DISCUSSION: Georgia Department of Banking and Finance. 2017 in Review and 2018 Updates

 Rod Carnes, CFE, CMEM – Deputy Commissioner for Non-Depository Financial Institutions, Georgia Department of Banking Finance
Rod was appointed to his position in November 2005.  He was hired as the first full-time Mortgage Examiner in 1998 and later promoted to Chief Investigator for the Mortgage Division, before becoming the Supervisory Manager for Licensing in April 2004.

Rod is the Immediate Past President of the American Association of Residential Mortgage Regulators (AARMR) and still serves as a Director.  He has served on the AARMR Board of Directors since 2007 and previously held the positions of President, Vice President, and Secretary.  Rod has served as an AARMR representative on the State Regulatory Registry (SRR), State Coordinating Committee (SCC), and  NMLS Policy Committee.

Prior to working for the Department, Rod worked for the Department of Human Resources and in the private sector in management for seven years.  He also worked as a Deputy Sheriff while attending college.  Rod is a graduate of the University of Georgia with a Bachelor’s Degree in Political Science, with a concentration in accounting.  Rod is also a Certified Fraud Examiner from the Association of Certified Fraud Examiners and a Certified Mortgage Examinations Manager from the Conference of State Bank Supervisors.

Felicia Faison-Holmes 
Director for Non Depository Financial Institutions, Georgia Department of Banking Finance
Felicia began her career with the Department of Banking and Finance in 2006 in the Legal and Consumer Affairs Division. In 2008, she transitioned to the Non-Depository Financial Institutions Division as its Attorney. Prior to joining the Department, she worked in the financial services industry and practiced commercial litigation with an international law firm.

Felicia attained a Bachelor of Science degree in marketing from Hampton University in Hampton, Virginia. She is also a graduate of Emory University in Atlanta, Georgia, where she earned the joint degrees of Juris Doctor and Master of Business Administration. 
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TOPIC: Shining a Light on Appraiser Fraud. Learn deceptive appraisal practices and offer guidance on how to detect inflated appraisals.

 D. Scott Murphy, SRA, D.S. Murphy & Associates
Mr. Murphy has been appraising real estate since 1985. In 1993 he earned his SRA designation from the Appraisal Institute – a credential earned by less than 1% of the appraiser population.

In 1996 he established D. S. Murphy & Associates and has grown the firm to have over 70 associates – servicing Georgia, North Carolina, South Carolina, Tennessee, Florida and California.

In 2004, Mr. Murphy was appointed by Gov Perdue to the Georgia Real Estate Appraisers Board where he is actively working to improve the laws and more closely regulate appraisers in Georgia. He has served as the Chairman of the Georgia Real Estate Appraisers Board for the past three years.

He is an active member of the Appraisal Institute, the National Associates of Realtors, the Northeast Metro Atlanta Board of Realtors and the Georgia Real Estate Fraud Prevention and Awareness Coalition.
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PANEL DISCUSSION: The Fraud Trends the GSE is Seeing Today

  Robb Hagberg, Freddie Mac, Director of Enterprise Fraud Risk
Robb is Freddie Mac’s primary spokesperson on fraud and suspicious activity. Robb is also the Financial Fraud Investigation Unit’s liaison both within and outside of Freddie Mac relative to development of policy, guidance and strategy as they are related to fraud and anti-money laundering matters. Since 2006, Robb has directed detection, investigation, and resolution of complex mortgage fraud and other fraud schemes that cover all 50 states as well as supporting Freddie Mac’s anti-money laundering efforts. He and the Financial Fraud Investigation team actively assist numerous government agencies and law enforcement with mortgage fraud investigations including FHFA-OIG, FBI, US Attorney’s Offices, U.S. Postal Inspector, IRS, state regulators and licensing boards. 

Prior to joining Freddie Mac, he held leadership roles in the fraud investigations and quality assurance spaces for Option One Mortgage in Jacksonville, FL, ABN AMRO/LaSalle in Ann Arbor, MI and Mortgage Guaranty Insurance Corporation (MGIC) in Milwaukee, WI. Robb has a BS from the Indiana University School of Business. The focus of his degree was on Marketing, Advertising and Business Management.

Sean Sowards, Fannie Mae, Director, Mortgage Fraud Investigations
Sean is responsible for all aspects of Fannie Mae’s mortgage fraud investigation efforts.  He directs investigators in the identification, investigation, and reporting of mortgage fraud and other related fraudulent activity in the mortgage lending space.  He also serves as Fannie Mae’s primary point of contact on mortgage fraud matters for industry, regulatory, and law enforcement partners. 

Previous to joining Fannie Mae, Sean served 25 years in federal law enforcement, retiring in 2017 as the Director of Field Operations for the Criminal Investigation Division of the Internal Revenue Service.   Prior to working for the IRS, he conducted mortgage fraud investigations as a Special Agent for the US Department of Housing and Urban Development, Office of Inspector General.  

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TOPIC: Navigating the Current Regulatory Environment

James Brody, Chair, Mortgage Banking Group, Johnston | Thomas
James actively manages complex mortgage banking litigation and mitigation matters all across our Country, for the Firm and its diverse clientele. 

Over the 13+ years he has been actively involved in representing the mortgage banking community. He has successfully resolved hundreds of litigation and/or mitigation matters that involve complex mortgage fraud schemes, large-scale repurchase and/or make-whole disputes, and a myriad of regulatory compliance issues. 

James has also made numerous media appearances and industry presentations regarding the prevention, detection and resolution of mortgage fraud matters, as well as how originators may successfully resolve all those repurchase and/or make-whole demands that are continuing to be made by all the major aggregators and governmental agencies.