2018 Conference Speakers

2018 14th Annual GREFPAC Conference Line Up of Speakers

   KeyNote Speaker: Ann Fulmer, FreeForm, 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 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."

  Bob Simpson, IMARC, President 
IMARC is the acronym derived from: Investors Mortgage Asset Recovery Company, LLC. They are highly trained process people using proprietary software whose clients depend upon them
to verify and check the accuracy of income, employment, and deposit information, plus full loan audits and investigations.

 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.

 Michael Anaya, FBI Atlanta, Supervisory Special Agent, Cy2 (Cyber Crimes Sqaud)

 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.

 Bridget Berg, CoreLogic, Senior Director, Fraud Solutions Strategy

Bridget leads the delivery of fraud risk management solutions to the financial services marketplace.  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.