7:00 a.m.-4:30 p.m.
Registration

7:30 a.m.-3:15 p.m.
Exhibits Open

7:30 a.m.-8:30 a.m.
Continental Breakfast

8:30 a.m.-10:00 a.m.
Industry Update and the Fight Against Mortgage Fraud
As the mortgage marketplace goes through a major transition it is crucial that lenders stay abreast of changes in real time. Mortgage fraud against lenders continues to garner national attention. The fight against mortgage fraud needs to be a national and industrywide assault on the predators that perpetrate these crimes that harm both consumer and the industry. Efforts to combat mortgage fraud against lenders have proliferated into a number of initiatives, including state and federal legislation criminalizing mortgage fraud and increased synergy between law enforcement and lenders. This session provides an overview of the current status of the industry, law enforcement and government’s efforts in combating mortgage fraud.

Opening Remarks:

James H. Freis, Jr.
Director, Financial Crimes Enforcement Network (FinCEN)
U. S. Department of Treasury

Moderator:

Rosemarie A. Wolfe
Director Quality Control
EquiFirst

Speakers:

Gregory A. Brower
United States Attorney
District of Nevada

Jeffrey Klurfeld
Regional Director, Western Region
Federal Trade Commission

Merle D. Sharick, CMB
Vice President, National Business Development Manager
Mortgage Asset Research Institute, LLC

10:00 a.m.-10:30 a.m.
Coffee Break in the Exhibit Hall

10:30 a.m.-11:45 a.m.
Concurrent Sessions

Maximizing Fraud Detection in Times of Economic Unrest
Economic volatility and unreliable credit continue to plague the real estate industry. With these factors and many others at play, mortgage fraud may be around for some time. Today’s technological advancements offer tools that help optimize workflow and maximize fraud detection for lenders leading to better loans and less risk. Panelists highlight today’s strategies and tools, such as analytics and data assets combined with databases that can be used as a resource for fighting fraud.

Moderator:

Mark Fleming, Ph.D.
Ph.D, Director-Economics
First American CoreLogic

Speakers:

Bridget Berg
Vice President, Fraud Risk Management
Wells Fargo Home Mortgage

Richard McCoppin
Vice President, Fraud Risk Management
Wells Fargo Home Mortgage

Robin Ramsay
Managing Director
TPG Diligence LLC

Fighting Fraud and Working with Law Enforcement
Mortgage fraud is becoming the priority with law enforcement from local up to federal levels. Hear what is being done from the law enforcement perspective and how lenders can interact with the various agencies. Panelists identify what civil and criminal actions are being pursued and what schemes are being investigated. In addition, they discuss how to increase lender participation in these enforcement efforts.

Moderator:

Ann Fulmer
Vice President
Interthinx

Speakers:

Rosemary Canales
Investigator
Wells Fargo Home Mortgage

Gary W. Carr
Manager-Mortgage Quality Control
AmTrust Bank

Glenn Theobald
Chief Counsel, Miami-Dade Police Department
Chairman, Mayor Alvarez Mortgage Fraud Task Force

11:45 a.m.-1:30 p.m.
Luncheon

1:30 p.m.-2:45 p.m.
Concurrent Sessions

Anatomy of A Sting
Mortgage fraud sting operations have occurred with increasing frequency over the past several years. Hear from an appraiser, a closing agent and a national lender about their first-hand experiences cooperating with law enforcement in conducting these operations. These industry experts share their views on the latest developments in mortgage fraud schemes and ways to safeguard against being victimized by fraud.

Moderator:

Amy Heinz
Senior Industry Relations Manager
Fannie Mae

Speakers:

Donald J. Gossman, SRA
Managing Director
Metro Real Estate Services/IRR-Residential

Allison F. Rabin, Esq.
Vice President; SW Metro Loop Manager
Chicago Title Insurance Company

Craig Weitzel, CFE
Fraud Department Manager
Taylor, Bean & Whitaker Mortgage Corp

Fighting Fraud in Today's Highly Volatile Environment: What Lenders Should Know
The economic environment today and through the foreseeable future mandates a substantial return to validation of the three C’s in the underwriting process (Credit, Capacity and Collateral), while the due diligence to confirm the validity of the borrower, the property, etc. will be critical to the viability of any consumer finance organization. This requires several enhancements/improvements to the origination and fulfillment process, such as business partner due diligence, talent acquisition and process management, to name a few. This panel explores current and planned activities in these areas and their expected relative success. The panel includes discussion on best-in-class approaches.

Moderator:

James Ronan
Vice President, Industry Relations
Interthinx

Speakers:

Adam Leitman Bailey
Partner
Adam Leitman Bailey, P.C.

Russell E. Johnson
Senior Manager
PricewaterhouseCoopers LLP

Frank Sillman
Managing Partner
Fortace LLC

2:45 p.m.-3:15 p.m.
Refreshment Break in the Exhibit Hall

3:15 p.m.-4:30 p.m.
Legislative and Regulatory Update
The regulatory and legislative environment for the mortgage industry has undergone unparalleled change in the past year and much more is anticipated in the months ahead. Join this expert panel for a review of major changes, including those under the Truth in Lending Act (TILA), the Home Ownership and Equity Protection Act (HOEPA),the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Transactions Act (FACTA), to name a few. The session also considers proposals for regulatory restructuring of the industry.

Speakers:

Francis Creighton
Vice President and Chief Lobbyist
Mortgage Bankers Association

Ken Markison
Associate Vice President
Mortgage Bankers Association
 
4:30 p.m.-6:00 p.m.
Opening Reception in the Exhibit Hall

Tuesday, March 17

7:30 a.m.-4:45 p.m.
Registration

8:00 a.m.-9:00 a.m.
Continental Breakfast

8:00 a.m.-3:30 p.m.
Exhibits Open

9:00 a.m.-10:15 a.m.
The Secondary Market Response to Mortgage Fraud
Fraud discovered after a loan is sold on the secondary market presents a unique set of challenges. This session explores what quality control processes secondary market players are using to address fraud and how lenders can limit their repurchase liability.

Opening Remarks:

John A. Courson
President and Chief Executive Officer
Mortgage Bankers Association

Moderator:

Kurt Lofrano
Vice President, Quality Assurance
Wells Fargo Home Mortgage

Speakers:

Jenny Nunn Brawley
Mortgage Fraud Investigations Manager
Freddie Mac

Amy Heinz
Senior Industry Relations Manager
Fannie Mae

Mark A. Ross                                                       
Acting Director, HQ Quality Assurance Division
U.S. Department of Housing & Urban Development

10:15 a.m.-10:45 a.m.
Coffee Break in the Exhibit Hall

10:45 a.m.-Noon
Concurrent Sessions

Effectiveness of the Mortgage Fraud Task Force Approach
Panelists from the Federal Bureau of Investigation, United States Attorney and U.S. Department of Housing and Urban Development (HUD) Inspector General present an overview of national mortgage fraud trends and identified problem areas. Hear specific examples of how problems are being addressed in some of the leading areas for fraud in the country, through cooperation and integration of Federal/State/Local law enforcement, regulatory agencies and industry partners.

Moderator:

Ann Fulmer
Vice President
Interthinx

Speakers:

Jenny Nunn Brawley
Mortgage Fraud Investigations Manager
Freddie Mac

Ellen Cohen
Assistant United States Attorney
United States Attorney's Office – Southern District of Florida

Lisa R. Gore
Assistant Special Agent in Charge, Criminal Investigation Division, Office of Inspector General
U.S. Department of Housing and Urban Development
HUD-OIG Representative, FBI National Mortgage Fraud

William Stern
Supervisory Special Agent
Federal Bureau of Investigation

Scott Tanchak
Special Agent-HUD-OIG
Department of Housing & Urban Development

Identity Theft in Mortgage Lending - No Slow Down In Sight
According to the U.S. Department of Justice statistics, identity theft is now passing drug trafficking as the number one crime in the nation. With more sophisticated fraud cases emerging every day, the specific threat to mortgage lenders is growing at an accelerated pace. This panel examines the various threats and schemes that occur in the lending process, provides an overview of the current and emerging regulations designed to
address identity theft risk, examines what risks and vulnerabilities lie within the processes and systems, and outlines what can be done to secure safe and efficient lending capability through technology, automation and procedural management.

Moderator:

Heather Czermak
Senior Product Manager
Wolters Kluwer Financial Services/VMP/PCi

Speakers:

Donald Bundy
General Counsel
Prospect Mortgage

Therese (Terry) G. Franzen
Partner
Franzen and Salzano, P.C.

Noon-1:45 p.m.
Luncheon

1:45 p.m.-3:00 p.m.
Benchmarking and Preventing Early Payment Defaults
As mortgage fraud losses, specifically those tied to early payment defaults, continue to increase, the detrimental effects to lenders, the mortgage industry and the economy as a whole are becoming more obvious. Fraud professionals must understand the impact this is having to their companies and work to curb the effects. Attend this session to hear an overview of early payment default trends across the nation. Panelists evaluate default trends from industry-wide loan performance databases. Attendees get detailed EPD trend analyses by product type, credit profile and zip codes, and learn how to leverage this data in order to benchmark portfolios and improve risk-management strategies.

Moderator:

Kurt Lofrano
Vice President-Quality Assurance
Wells Fargo Home Mortgage

Speakers:

Debbie Higdon
Vice President, Fraud Solutions
Lender Processing Services, Inc.

Mike Pratt
Vice President, Fraud Solutions
Lender Processing Services, Inc.

Appraisal Fraud Prevention
The key to preventing property fraud is understanding the appraisal. In a declining mortgage market, accurate appraisal reviews are more important than ever. Lenders have a desire and a need to continue to originate and approve loans while managing risk. Balancing these two goals can be a daunting task. Join us to discover how to spot inconsistencies that indicate fraud and which appraisal report entries may signify declining property values. In addition, learn effective techniques to use when communicating with a qualifying appraiser.

Moderator:
William P. Heller
Partner
Akerman Senterfitt

Speakers:

Steven Albert, MAI, SRA
Partner/Executive V.P.
Allstate Appraisal, L.P.

Kathy Coon, CRU, SRA
Chief Appraiser-Director
FNC, Inc.

3:00 p.m.-3:30 p.m.
Refreshment Break in the Exhibit Hall

3:30 p.m.-4:45 p.m.
Servicing and Foreclosure Fraud
Despite all the recent legislation and media attention, servicing and default servicing is becoming fertile ground for identity theft and mortgage fraud. This trend is due in part to the public nature of listing actions surrounding default, foreclosure proceedings and Real Estate Owned (REO) properties. This session reviews multiple fraud schemes that are being revealed across the country. Panelists discuss steps servicers can take to prevent these activities.

Moderator:

Sandra M. Rampino
Vice President-Quality Assurance
HSBC Consumer & Mortgage Lending

Speakers:

Chris Christopher
Retired Detective
Corporate Fraud Investigator

David Fleck
Deputy District Attorney
Los Angeles District Attorney's Office
Major Fraud Division, Real Estate Fraud Section

Robert R. Maddox, CMB, AMP
Attorney
Bradley Arant Rose & White LLP

5:00 p.m.-6:00 p.m.
Networking Reception in the Exhibit Hall

Wednesday, March 18

8:00 a.m.-Noon
Registration

8:00 a.m.-9:00 a.m.
Continental Breakfast

9:00 a.m.-10:15 a.m.
State and Local Mortgage Fraud Law Update
State legislators and regulators continue to address the growing problem of mortgage fraud in consumer finance and have taken actions that will impact your business processes directly. This session addresses recent changes in state law and regulations, and what effect those changes will have on lenders and the continuing fight against mortgage fraud.

Moderator:

Linda S. Finley 
Shareholder
Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

Speaker:

David L. Lobingier
Assistant Criminal District Attorney
Tarrant Count Criminal District Attorney's Office

Glenn Theobald
Chief Counsel
Miami-Dade Police Department
Chairman Mayor Alvarez Mortgage Fraud Task Force

10:15 a.m.-10:45 a.m.
Coffee Break

10:45 a.m.-Noon
The Best Offense is a Good Defense: Using Technology to Fight Fraud
Paper processes and manual verification of loan information are loan fraud’s best friends. In today’s sophisticated fraud environment lenders can’t afford to expose themselves to fraudsters by staying with processes that have led us to today’s fraud-friendly situations, with fake tax returns and pay stubs readily available on the internet. Attend this session to hear expert panelists explore solutions to some of the most common schemes in the marketplace.

Moderator:

Rosemarie A. Wolfe
Director Quality Control
EquiFirst

Speakers:

Tim Anderson
President
SigniaDocs, Inc.

Lisa Binkley
Executive Vice President-Risk Strategy
Rapid Reporting Verification Company

Rocky Donathan
President
Platinum Data Solutions

Noon
Conference concludes