All BIOS - Mortgage Bankers Association of Florida

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					2011 Eastern Secondary Market Conference Speaker Bios
                     As Of 01/14/2011

Dave Bennett, Hedge Manager
Compass Analytics
 His clients include various sized pipeline accounts, banks and mortgage banks, servicers, and whole loan inves-
tors. In this role, he advises clients and executes hedges on behalf of them in order to mitigate interest rate and
fallout risk. He also advises pipeline customers on best execution, margin and accounting strategies. On the whole
loan/MSR side, Dave assists in modeling valuation sensitivity to factors such as housing values, default and pre-
payment assumptions, and interest rate movements. Before working at Compass, he worked on the Interest Rate
Products sales desk at Lehman Brothers. He is a graduate of Princeton University.

Mark S. Bickert, Vice President Marketing, Eastern Region
Single Family Mortgage Business
Fannie Mae
                            Mark reports to the Senior Vice President Single Family Mortgage Business
                            (SFMB), Eastern Regional Office. Mr. Bickert is responsible for developing goals and
                            strategies to achieve Fannie Mae s business objectives with some of the largest cus-
                            tomer relationships within the Eastern Region. As a leader of the Eastern Region,
                            Bickert is directly accountable for the customer management performance of a major
                            unit of the SFMB.

                            Prior to his April 2010 appointment, Bickert was Director of Strategic Customer Man-
                            agement for the Eastern Region, responsible for directing and managing a highly
                            skilled and motivated customer management staff in effective strategic planning and
                            relationship management of Fannie Mae s largest customers.

                            During his tenure at Fannie Mae, Bickert has served as Director of Capital Markets
                            Sales Desk and Senior Account Manager.

                            Before joining Fannie Mae in 1998, Bickert was Senior Vice President at Eastern
                            Capital Markets, Vice President of Trading for Meridian Capital Markets, and Assis-
                            tant Vice President with Meridian Bancorp, Inc.

                            Mr. Bickert has a Bachelor of Science degree in finance from Indiana University of

John A. Castiello, Vice President, Secondary Marketing
Radian Guaranty
John has over 30 years experience in the mortgage industry. He started his career with Fidelity Bond and Mortgage
Company in 1977 a full service mortgage banker that was located in Philadelphia, PA. John held positions in all
aspects of loan servicing, originations and secondary marketing. John has been with Radian Guaranty since 1991 in
their secondary marketing department. John s responsibilities include assisting Radian s clients with new investor
leads, loan sales and servicing sales. John is also involved in product development along with lender training spe-
cifically focusing on the use of MI programs and how to utilize them to increase production and profitability.
Jerome A. (Garry) Cipponeri, Senior Vice President and Director of Capital Markets
Chase Home Finance
Garry joined Chase in August of 2004, but has been in       specialized asset sales group. Garry has served two
the mortgage business for over 30 years, and specifically   terms as Chairman of the Mortgage Bankers Associa-
Secondary Marketing functions for 31 years. Prior to        tion s Capital Markets Committee and is a member of
becoming part of the CHF team, he spent 19 years at         the MBA s Board of Directors as well as a Board Mem-
Citimortgage as their Senior Vice President for Secon-      ber for the American Securitization Forum.
dary Marketing responsible for hedging all pipeline and
warehouse risk, selling all mortgage products and struc- Garry graduated with a BS in Finance from Wayne State
turing Citi s private label securities. He also served asUniversity. He joined Detroit Bank & Trust (now Co-
President of CitiCorp Mortgage Securities Inc., the pri- merica) in their Management Training Program, was
vate label securitization arm of Citimortgage.           moved to the Mortgage department and two years later,
                                                         was assigned to start a Secondary Marketing department
His responsibilities at Chase Home Finance include all   and manage the sale of mortgage assets. Garry was re-
hedging and asset sales, as well as Pricing, Securitiza- cruited by Peninsula Federal in Miami, Florida to create
tion, Sales Operations, Shipping & Pooling, Agency and a Capital Markets department and also worked for
MI relationships, captive MI s and Trade settlements.    United Guaranty as the Eastern head of their Secondary
                                                         Marketing Broker Division, staying there until he joined
He also serves as Chairman and President of Chase s      CitiCorp Mortgage in 1985.
three private label security companies and has a

Chris Cordry, VP Secondary Marketing
PrimeLending, A PlainsCapital Company
Mr. Cordry has 15 years of mortgage banking experience, and has had roles both in secondary marketing and ser-
vicing 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 day-to-day
locked and funded pipeline hedge position. Mr. Cordry is also responsible for risk reporting , investor relations,
and the goals and strategies for the secondary marketing group at Prime.

Chris holds a BS degree in Finance from Missouri State University.

Kim Ellison, Senior Industry Relations Manager Mortgage Fraud Program
Fannie Mae
Kim s role is to coordinate Fannie Mae s anti-fraud ef-     roles in fraud training, servicing operations, underwrit-
forts with Fannie Mae s partners, including the lending     ing and internal audit.
community, industry groups and law enforcement. Prior
to joining Fannie Mae, Kim was a credit risk and claims     Kim has been an active participant with the MBA s
division senior executive for a mortgage fraud insurance    Quality Assurance and Leadership committees as well
company where she had oversight over claims investiga-      as numerous conference planning committees for the
tions, insurance claims processing and risk based opera-    MBA. Kim has been a frequent speaker and trainer at
tional assessments of lenders with an emphasis on fraud     MBA, NHEMA, School of Mortgage Banking and other
prevention measures. Kim has extensive fraud manage-        industry events related to mortgage fraud and quality
ment and QC experience in her 25 year mortgage career,      control. Kim co-created the Fraudopoly and Fraudster s
having served as a Fraud       Investigations Division      Feud games played at MBA functions.
Director at GMAC-RFC, a QC Sr. Manager at Norwest
Bank (Wells Fargo), and a QC specialist at a small mort-    Kim holds a BS degree in Accounting from the Univer-
gage lending company. Her experience also includes          sity of Minnesota.
Donny Flores, Loan Guaranty Officer
Department of Veterans Affairs Regional Office

Donny was appointed Loan Guaranty Officer in St.            Mr. Flores began his career as a Construction Analyst at
Petersburg, Florida on May 1, 2007 and was formerly         the Detroit Regional Office in March, 1994. He was
the Assistant Director of the Department of Veterans        selected Chief, Construction and Valuation in March
Affairs Regional Office, Indianapolis, Indiana. He held     1995 at the Oakland Regional Office. He has held vari-
that position for three years.                              ous positions in the field and VACO both in VBA and
As Loan Guaranty Officer, Donny is responsible for
administering the Loan Guaranty benefit throughout          Prior to his federal service, Mr. Flores was an Architect-
Florida, Mississippi, Alabama and Puerto Rico. As As-       Builder. He holds a Bachelor of Architecture from the
sistant Director, Mr. Flores was responsible for support-   University of Detroit, School of Architecture. He is a
ing the Director in managing the full range of non-         graduate of Leadership VA (2001), the Justice Center of
medical benefits provided to nearly 569,000 veterans        Atlanta Mediation program (2003), VBA s Assistant
and their dependents throughout the state of Indiana.       Director Development Program (2003) and the Federal
These benefits included compensation, pension and vo-       Executive Institute (2004).
cational rehabilitation.
                                                            Donny and his wife, Candis are proud parents of six
 The Indianapolis Regional Office administers nearly        children, four daughters and two sons.
$33 million a month in benefits.

Rosemary S. Gadsden, Acting Field Office Director/Supervisory Housing Program
US Department of HUD, Tampa, Florida
                      Mrs. Gadsden is presently delegated as the Acting Field Office Director. She is the principal
                      management official in the Tampa Field Office. In addition, Mrs. Gadsden is the Supervi-
                      sory Housing Program Specialist for the Atlanta Homeownership Center. As a result, she
                      manages, coordinates, and administers single family technical assistance. In addition to that,
                      Mrs. Gadsden provides education and outreach to the mortgage industry, processes housing
                      counseling grant applications, monitors the housing counseling agencies, and she performs
                      management and marketing contract monitoring reviews.

                      The Single Family staff is currently responsible for 12 counties in the Tampa jurisdiction as
                      well as the following counties in the Miami Jurisdiction (e.g., Charlotte, Lee, Glades, Hen-
                      dry, and Levy). Mrs. Gadsden is the Single Family primary point of contact for the State of
                      Florida mortgage industry.

                      Mrs. Gadsden became a member of the HUD staff in August 1979 and has worked in the
federal government for 37 years. She has served the agency as a Personnel Assistant, Administrative Services/
Personnel Assistant, Administrative Assistant, Single Family Underwriter, Chief of the Single Family Production
Branch, Community Builder, and the Chief Customer Service Branch. Prior to joining HUD, Mrs. Gadsden was
employed by the James A. Haley VA Medical Center in the Personnel Division.

 Mrs. Gadsden attended the University of South Florida and is a native of Tampa, Florida. She has also furthered
her education by attending an array of classes at the John F. Kennedy School of Government at Harvard University
and the University of Maryland School of Public Affairs.
David Green, President
The StoneHill Group
                           David Green is founder, President and CEO of The StoneHill Group a Mortgage
                           Outsource Solutions provider. David has over 30 years of senior management and ex-
                           ecutive experience in the real estate and mortgage banking industry. Since 1996, David
                           has been president of The StoneHill Group Inc.
                            David started his Real-Estate and Mortgage career at Cameron Brown and has also
                           worked for First Union Mortgage, Resolution Trust Corp (RTC) and The Federal De-
                           posit Insurance Corp (FDIC).

                           David Green has served in the roll of Senior Consultant on various projects and was
                           brought in to work with Bank One to manage a $500 million investor-owned portfolio
                           of home equity loans, David also served as National Default Manger, where he planned,
                           organized, and implemented the start-up of the Default Management Department for a
                           nationwide home equity line of business.

                           Today The StoneHill Group is a nationwide provider of Mortgage outsource solutions
                           serving over 150 clients in the following areas

    Quality Control Audit services
    Due Diligence services
    Post Closing & Investor Delivery
    FHA, VA & USDA Insuring
    Contract Underwriting

The StoneHill Group is one of four companies selected by the Federal Home Loan Bank of Atlanta to conduct
annual loan collateral reviews of member banks.

David attended The University of North Carolina Chapel Hill and the University of Tampa,

The StoneHill Group is members of the Mortgage Bankers Association of America, MBA of Georgia, Caro-
lina s, Florida, Texas, Alabama and California.

Karin Hill, Director
U.S. Department of Housing and Urban Development
Office of Single Family Program Development for the Federal Housing Administration
Karin recently joined the U.S. Department of Housing and Urban Development as Director, Office of Single Fam-
ily Program Development for the Federal Housing Administration, where she is responsible for the Home Mort-
gage Insurance (Program, Product and Policy Development and Implementation), Valuation (Appraisal and HE-
CEM) and Program Support (Housing Counseling) Divisions. She joined HUD in June, 2010 following a 30 year
career in private sector mortgage lending with banking institutions. Karin has in-depth mortgage lending and man-
agement experience supporting all origination channels, portfolio and mortgage banking lending models, spanning
a wide range of economic and lending cycles and changing regulatory environments. Her experience includes a
leadership position with the California Savings and Loan League where she was responsible for lending and regu-
latory policy research and development, industry education and conferences. She most recently completed 15 years
with Washington Mutual/Chase where her responsibilities focused on strategic leadership, managing complex
cross-functional strategic initiatives, asset management, merger and acquisition integration, credit policy and risk
management, compliance, product and policy development and affordable and underserved market programs and
community outreach.
John B. Jung, Jr., Senior Managing Director
BB&T Capital Markets

John has 27 years of experience in the capital markets business, and is currently a member of the Executive Com-
mittee at BB&T Capital Markets and the Senior Leadership Team at BB&T. Mr. Jung holds a Bachelor of Science
degree in Systems Engineering and a Master s in Business Administration from the University of Virginia. He
serves on several charitable boards and is the past Chairman of the Greater Richmond Chamber Foundation.

John Kim, US Residential Business Head
Morgan Stanley/Saxon

John joined Saxon in March of 2010. He is responsible for and managing business development and promoting
Saxon s services as relationship manager to banks, hedge funds, asset managers and government sponsored enti-
ties. With over 23 years experience in the residential mortgage industry, Mr. Kim has held a variety of senior level
positions in Capital Markets, Portfolio Management, Sales / Trading, and Administration for financial institutions
including Bank of America, IndyMac Bank, California Federal Bank and Aames Financial Corporation. Mr. Kim
has a Bachelor of Arts degree in Economics from the University of California, Berkley.

David Lykken, Managing Partner & Owner
KLS Consulting, LLC dba Mortgage Banking Solutions
                                     David Lykken has garnered a national reputation as a business leader, vision-
                                     ary and entrepreneur. He has become a regular guest on the FOX Business
                                     News with Neil Cavuto, Stuart Varney, Liz Claman, Dave Asman and oth-
                                     ers. He has been a special guest of Governor Mike Huckabee on FOX News
                                     #1 weekend rated program Huckabee . He has appeared several times on
                                     the CBS Evening News, Bloomberg TV, NPR and many other radio
                                     shows. David is quoted frequently in the business section of leading newspa-
                                     pers across the country as well as the Wall Street Journal and the New York
                                     Post. Additionally, David has his own national weekly radio program called
                                      Lykken On Lending that can be heard each Monday at Noon Central time
                                     by going to

                                     As co-founder and Managing Partner of KLS Consulting doing business as
                                     Mortgage Banking Solutions, David Lykken has over 37 years of manage-
                                     ment experience as an owner/operator with in depth expertise in real estate
                                     finance and housing. His knowledge and skills comprise a unique blend of
                                     technology and business strategy. Above all else, David loves helping busi-
                                     ness owners and executives navigate through extremely difficult business
                                     circumstances helping them overcome seemingly insurmountable obstacles
                                     while rediscovering themselves and their passion for life and living.

Dave is married, has two daughters and currently resides in the beautiful Hill Country of Central Texas near Aus-
tin, Texas. David received a bachelor's degree in 1973 year from Pacific Lutheran University in Tacoma, Wash-
Tom Millon, President, Founder & Chief Executive Officer
Capital Markets Cooperative
                                Tom Millon is one of the    Mortgage Banking Magazine s Website of the Year
                                top secondary marketing     Award in 2003. Mr. Millon was a Partner, Managing
                                executives in the U.S.      Director and Member of the Board of Directors of Tuttle
                                mortgage business, with     & Company from 1991 to 1999, a leading risk manage-
                                over 23 years of mort-      ment and securities trading firm. Mr. Millon helped
                                gage experience and         build the firm, which specialized in managing optional
                                extensive relationships     interest rate risk for mortgage originators, from five em-
                                throughout the industry.    ployees and a handful of clients to over 100 employees
                                CMC is an outgrowth of      and a client base consisting of many of the largest bank-
                                Mr. Million s extensive     ing institutions in the U.S. Just prior to the firm s sale in
                                experience, noting that     1999, Mr. Millon s trading desk managed over 10% of
                                he has been instrumental    the entire U.S. mortgage industry s origination volume.
                                in the development and      Mr. Millon was responsible for the institutional client
                                growth of a number of       base and billions of dollars of risk capital. In 1999, the
                                companies within the        Microsoft Corporation acquired Tuttle & Co. In addi-
                                mortgage industry.          tion, Mr. Millon was a member of the Chicago Board of
                                                            Trade and worked at Merrill Lynch Capital Markets.
Mr. Millon founded CMC in 2003 and currently serves
as President and Chief Executive Officer of the Com-        Mr. Millon graduated from the Wharton School of Busi-
pany, overseeing overall operations, partnerships and       ness of the University of Pennsylvania in May 1986. He
strategy. Prior to CMC, Mr. Millon was the Director of      is FINRA (Financial Industry Regulatory Authority)
Capital Markets for Ohio Mortgage Banking from 1999         Series 3 licensed and a member of the Mortgage Bank-
to 2003, one of the top ten wholesale mortgage bankers      ers Association, the National Futures Association, the
in the U.S. Mr. Millon built an industry-leading capital    Association for Investment Management and Research,
markets group at Ohio Mortgage Banking, where the           and the Security Analysts Society of San Francisco. Mr.
company s origination volume quintupled to $30 billion      Millon holds the Chartered Financial Analyst (CFA)
under his direction. Mr. Millon was also the architect of   and the Certified Mortgage Banker (CMB) designa-
the pricing and capital markets models that drove Ohio      tions. He also serves on the board of three financial
Mortgage Banking s Gemstone website, which won              companies.

Frank E. Nothaft, Vice President and Chief Economist
Freddie Mac

                                 Frank E. Nothaft was appointed to the position of chief economist in December
                                 2001. In this position, Nothaft is responsible for forecasts, research and analysis
                                 of the macroeconomy, housing and mortgage markets. A widely quoted expert on
                                 housing and economic issues, Nothaft makes frequent appearances in both local
                                 and national media outlets. Nothaft joined Freddie Mac as a senior economist in
                                 November 1986. Nothaft was an economist with the Board of Governors of the
                                 Federal Reserve System from 1983 until 1986, where he served in the mortgage
                                 and consumer finance section and as assistant to Governor Henry C. Wallich.

                                 Nothaft holds a Ph.D. in economics from Columbia University and a B.A. cum
                                 laude in mathematics and computer science from New York University. Nothaft
                                 is past president and current member of the Board of Directors of the American
                                 Real Estate and Urban Economics Association and a past Board member of the
                                 Financial Management Association. He currently serves on the Advisory Board of
                                 the Real Estate Research Institute.

Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation's
residential mortgage markets. Over the years, Freddie Mac has made home possible for one in six homebuyers and
more than five million renters.
Evans D. Prieston, Senior Managing Attorney
American Mortgage Law Group, P.C.
As a Senior Managing Attorney, Mr. Prieston actively manages complex mortgage banking
mitigation and litigation matters for the American Mortgage Law Group, P.C. ( AMLG ) and its diverse clientele
(e.g., national mortgage lenders, warehouse lenders, secondary market
investors, loan servicing companies, Wall Street banking firms and insurers). Mr. Prieston is an
experienced trial lawyer in federal, state and local venues and has tried over 100 cases.
Mr. Prieston focuses his practice on mortgage repurchase issues. He represents clients to resolve repurchase de-
mands throughout the United States and currently supervises staff attorneys and paralegals in over a dozen repur-
chase litigation cases. He advises clients with solutions and
resources to prevent and reduce the incidents of repurchase demands. He has been the attorney
of record in compliance defense matters and complex mortgage resolution cases involving
bankruptcy, appraisal issues, title actions, loan origination, securitizations, white collar mortgage fraud and insider

Mr. Prieston received a B.A. in Political Science in 1977 from Fordham University and a J.D. in 1981 from San
Francisco School of Law. He is admitted to practice law in California and New York.

Mr. Prieston was a guest speaker for the MBA on defense and strategies regarding mortgage loan repurchases held
in Texas in October 2010. He has published articles in the Scotsman Guide and other periodicals.

Phil Rasori

Phil 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 op-
erational 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" and "theta hedges." In addition to banking clients, Mr. Ra-
sori has consulted with GSE agencies and the Federal Reserve Bank 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. In December 2010, Phil Rasori was recognized by National Mortgage Professional Magazine as one of the
40 most influential young executives in the mortgage industry.

Kim Renock, CMB, CRO, Vice President Sales & Marketing
AmeriCU Mortgage
                                    Kim Renock is the Vice President of Sales and Marketing for AmeriCU Mort-
                                    gage. Kim has been in the mortgage industry for over 15 years, of which 11
                                    years have been with AmeriCU. She has held several different positions
                                    throughout the organization over the years. In her current role, Kim is a mem-
                                    ber of AmeriCU s senior management team and is responsible for managing
                                    retail and wholesale sales, product offerings, marketing and operations for
                                    AmeriCU offices throughout the country and supporting the lending operations
                                    of over 80 credit union partners.

                                    Kim studied business at the University of Michigan, holds a Certified Mortgage
                                    Banker (CMB) designation and a Certified Residential Originator (CRO) desig-
                                    nation from the Mortgage Bankers Association. She sits on the Board of Gover-
                                    nors for the Michigan Mortgage Lenders Association (MMLA) and is an active
                                    member of the Mortgage Bankers Association (MBA), several regional credit
                                    union support organizations, and has served on various local and national com-
Christopher Rumbos, Founder and CEO
NPR Capital Asset Management

Christopher founded NPR Capital in 1994 and has been in the mortgage banking industry for over 30 years. He is a
seasoned mortgage banking executive who has propelled both small and large companies to profitable success. His
vast experience includes the pioneering of portfolio lending, securitization, loan servicing management, loss miti-
gation, Government underwriting, and REO placement and management. He has been a licensed realtor since
1978 and has served on various national committees.

Bob Simpson, President

Bob is president of IMARC, the Irvine California based leader in the field of delinquent loan audits. A recognized
expert in mortgage fraud and delinquent loans, he speaks frequently to national and regional mortgage bankers
associations on topics related to credit quality. He was one of the first voices sounding an alarm about the mort-
gage crisis, well ahead of the collapse.

Bob is the head of IMARC for ten years, a leader in delinquent loan audits. He created system for efficiently audit-
ing high volume of loans and he increased company volume more than 1000% from 2007 to 2009. Experience as
practicing attorney in field of mortgage defaults and fraud.

         IMARC (1999 to Present)
         President Founding member
         Practicing Attorney (1996 to 1999)
         Mortgage Originator (1986 to 1995)


Speaking and Writing
Frequent speaker at various national Mortgage Bankers Association conferences
Contributing writer to mortgage publications on fraud and origination
Appearance on 60 Minutes as an expert on mortgage fraud and credit quality
Cited in by media including N.Y. Times, Wall Street Journal, Los Angeles Times, and by many other journalists

UCLA, Economics, Duke University, Law
Justin Vedder, Area Senior Vice President, Risk Management
Arthur J Gallagher & Co.
Mr. Vedder is Area Senior Vice President Arthur J. Gallagher with a primary focus on risk management and insur-
ance solutions for the mortgage banking industry. As Senior Vice President his responsibilities include client rela-
tions, sales, and new product development. Insurance solutions include established products (i.e. E&O, D&O,
Professional Liability, Surety Bonds, Employment Practices Liability, Management Liability, Identity Theft, and
Cyber Liability) as well as solutions tailored to address the risks of the current mortgage environment for financial
institutions, private mortgage bankers, and other mortgage industry participants.

Prior to joining Arthur J Gallagher Mr. Vedder has held a position at The Prieston Group with responsibility for
executive oversight of areas such as sales, marketing, operations, customer relations, claims administration and
policy administration.

Mr. Vedder was also a co-founder and principal of Platinum Data Solutions, a technology-based company offering
appraisal solutions, automated property valuation systems and risk mitigation tools. He has spoken on the subject
of mortgage fraud, auditing of lenders, repurchase management, insurance, and other mortgage banking related
subject matter.

Michael W. Young, Chairman-Elect
Mortgage Bankers Association (MBA)
Chairman of the Board of Cenlar FSB
                                Michael became Vice Chairman of MBA in October 2009. An active MBA mem-
                                ber for more than four decades, Young is a former member of MBA Board of Di-
                                rectors and currently sits on MBA's Council on Ensuring Mortgage Liquidity, a
                                task force of MBA members created to examine policy options and issue recom-
                                mendations for the future of the secondary mortgage market. Young has also served
                                on MBA's Residential Board of Governors (RESBOG) and its Strategic Planning

                                Young started his career in 1962 as Vice President and Investment Officer at Jersey
                                Shore Savings and Loan Association in Toms River, New Jersey. In 1969, he began
                                working for Larson Mortgage Company, where he worked in residential marketing,
                                then managed the company's commercial property division from 1972 to 1976. He
                                was appointed President of Larson Mortgage Company in 1978 and in 1984 he suc-
                                cessfully negotiated Larson's acquisition of Centennial Savings and Loan Associa-
                                tion, which were reorganized as Cenlar Capital Corporation and Cenlar FSB.

                                Young earned a Bachelor of Science from Monmouth College in Illinois

                            Thank You Speakers!

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