Kyle is the principal of Hayman Capital Management L.P., which was formed in December 2005. Hayman Capital Management serves as the investment manager to the Hayman Capital Master Fund, L.P. and Japan Macro Opportunities Master Fund, L.P. Previously, Kyle co-managed the Subprime Credit Strategies Fund, L.P. and Subprime Credit Strategies Fund II, L.P. He is a member of the Board of Directors of the University of Texas Investment Management Co. (UTIMCO), which has aggregate assets of over $26 billion. Kyle is a founding member of the Serengeti Asset Management Advisory Board and serves as a Board Member for the Troops First Foundation and Texas Rangers Foundation. In addition, Kyle is a member of the Advisory Council of the Comeback America Initiative, which is dedicated to promoting fiscal responsibility and sustainability. Kyle has testified as an expert witness before the US House of Representatives, the US Senate, and the Financial Crisis Inquiry Commission. Prior to forming Hayman Capital Management, Kyle worked as a Senior Managing Director at Bear, Stearns & Co., Inc. and a Managing Director at Legg Mason, Inc. He graduated with a Bachelor of Business Administration in Finance and Real Estate Finance from Texas Christian University in May 1992.
Gary left his co-CEO role at Starwood Waypoint Residential Trust (ticker: SWAY) in April of 2015 to co-found ROOFSTOCK (formerly DwellConnect), a technology-enabled Internet marketplace designed to dramatically improve transactional liquidity in the SFR sector. In 2009 he joined the board of single-family rental (SFR) pioneer Waypoint Homes and began investing in SFR, eventually joining full-time in 2011 to help raise the first significant institutional capital into the sector. In the fall of 2013 Gary helped orchestrate Waypoint’s merger with Starwood Capital Group, forming SWAY and taking the company public on the NYSE in early 2014.
Gary has spent the majority of his career in operationally-intensive and technology-driven companies with a significant real estate component to their businesses. Prior to joining Waypoint, Gary served as CEO of boutique hotel company Joie de Vivre Hospitality and award-winning solar technology start-up Greenvolts. Between 2001 and 2007 Gary was an operating executive with ZipRealty, where as its CFO he led the innovative Internet-based residential brokerage through its successful IPO before eventually being named its President. Gary also spent six years with KSL Resorts where he was instrumental in acquiring and integrating over $800 MM of resort properties. Earlier in his career, Gary worked for leading real estate industry firms LaSalle Partners (now Jones Lang LaSalle) and Security Capital Group.
Gary earned a BA in Economics from Northwestern University and an MBA from Stanford Graduate School of Business.
Alan Boyce is Co-Founder and an active member of the board of directors of Adecoagro(NYSE:AGRO), a food and renewable energy-producing company that owns and operates highly productive land throughout Argentina, Brazil and Uruguay. Adecoagro owns 285,000 hectares of highly productive farmland, leases another 175,000 hectares and has 8,000 employees. Alan is also Executive Chairman and Co-Founder of Materra, LLC, a California and Arizona based agricultural production company. Materra was formed in 2010 and is currently the owner and operator of 25,000 acres of farmland where it grows alfalfa, cannery tomatoes, pistachios, dates, citrus, organic vegetables, jalapenos, melons, cotton and wheat.
Boyce was Senior Managing Director at Countrywide Financial, responsible for management and leadership of the bank’s investment, hedging and funding strategies. He oversaw secondary markets, securities and loan purchase activities, commercial mortgage origination, hedging and managing a large mortgage servicing book, reinsurance, as well compliance with the Community Reinvestment Act. He was at Countrywide from March 2007 to July 2008. Prior to joining Countrywide, Boyce served as Director of Special Situations at Soros Fund Management LLC. During his tenure with Soros, he managed a portfolio of assets of the Quantum Funds with a focus on mortgage backed securities and reinsurance. He also had principal operational responsibilities for the bulk of Soros’ investments in Latin America. Boyce was a full time employee at Soros from August 1999 to March 2007 and has continued as a consultant since then. Before joining Soros Fund Management, Boyce served as Managing Director at Bankers Trust. He was in charge of Fixed Income Arbitrage, the bank’s mortgage portfolio and compliance with the Community Reinvestment Act. He was with Bankers Trust for 14 years. Prior to that, he worked for the Federal Reserve Board in Washington, D.C.
Boyce holds an MBA degree from Stanford University and a Bachelor of Arts degree in Economics from Pomona College, where he graduated magna cum laude.
John became Chief Financial Officer in 2012 having joined Ocwen as Executive Vice President of Finance and Business Development in 2011. He has over 20 years of mortgage and financial services experience. Prior to joining Ocwen, John was Chief Operating Officer for mortgage insurer RMIC. He held two positions at Freddie Mac as a Vice President running Field Sales and Pricing & Structured Transactions.Â John has also been a Vice President at Capital One running Thrift and Mortgage Operations. He has investment experience raising a venture capital fund and working with buy-out firms. After business school, John worked at McKinsey & Company in their financial services industry group. Prior to business school, he was an analyst for the Central Intelligence Agency. He holds a BA in Economics from the University of Maryland and a Master's of Business Administration from Dartmouthâ€™s Amos Tuck School.
As head of this office, Meg manages various policy and regulatory initiatives involving single-family and multifamily finance and loss mitigation strategies, as well as insurance-related activities of the government-sponsored enterprises. Meg came to FHFA to lead to Office of Congressional Affairs and Communications, where she was responsible for handling external relations for the agency.
Before joining FHFA, Meg was the Director of the Office of Single Family Program Development for the Federal Housing Administration (FHA). She oversaw all origination policies related to FHA’s single-family programs. Meg managed three divisions, handling valuation, credit policy, and counseling services.
Over the last several years, Meg has been actively involved in industry-wide discussions regarding the role of the federal government in addressing the mortgage crisis. She has presented at numerous national and local events, testified before Congress, and provided information to media outlets on a wide variety of housing finance issues. Meg holds a bachelor’s degree in philosophy from Connecticut College and a master’s degree in philosophy and public policy from The George Washington University.
John is CEO of John Burns Real Estate Consulting, LLC, which helps real estate industry executives by analyzing and summarizing the information they need to make decisions with more confidence. John is on retainer with a number of companies, both in the housing industry and Wall Street, to monitor housing market conditions, and to help them refine their strategies in an ever-changing environment. He also completes customized consulting assignments to help them with land acquisition, market expansion, or strategic planning decisions. Prior to founding the company, he was Senior Consulting Manager at KPMG LLP (now BearingPoint Inc.) and Principal at a national real estate consulting firm. He is a CPA and has a MBA from UCLA and a BA in economics from Stanford University. He has been quoted by CNN, ABC World News Tonight, Business Week, and The Wall Street Journal.
Oliver is a co-founder and managing director of Sylvan Road Capital, an asset management firm focused on the buy-to-rent market. Oliver is a thought leader on the topic of institutional investments in distressed single family housing, having served both investors and government agencies. His housing research is often cited in the media at outlets including CNBC, NPR, Reuters, Bloomberg, the Wall Street Journal and the Washington Post. Before co-founding Sylvan Road, Oliver served as Morgan Stanley's Head of US Housing Strategy and focused on all aspects of the housing market including home price dynamics, supply and foreclosure issues, demand and mortgage credit concerns, and the relationship between home prices and mortgage performance. Oliver received a BS in Operations Research and Industrial Engineering from Cornell University and an MBA from Columbia Business School.
A specialist in leading strategic initiatives and achieving mission critical priorities, Ms. Charles currently serves as the General Deputy Assistant Secretary for the Office of Housing and Deputy Commissioner for the Federal Housing Administration (FHA) at the United States Department of Housing and Urban Development (HUD). In this role she oversees the operations of the FHA and advises on policy and regulatory development, portfolio management, legislative affairs and communications in the areas of Housing Counseling and Single Family, Multifamily and Healthcare mortgage insurance and finance. Previously, Genger served as a Senior Policy Advisor and the first ever Chief of Staff to the FHA Commissioner.
Ms. Charles has led multiple high priority initiatives impacting primary and secondary mortgage markets, FHA insurance funds, and affordable housing, including FHA’s Blueprint for Access, the sale of mortgage notes through the Distressed Asset Stabilization Program (DASP) and the Multifamily Small Buildings Risk Share Initiative. Genger has also served as a key decision maker in the establishment of FHA mortgage insurance premiums, enforcement policies and organizational change management through the Multifamily for Tomorrow Transformation Initiative and institutionalizing the FHA Office of Risk Management.
A frequent media contributor, speaker and guest lecturer, Genger earned a Bachelor of Science in Policy Analysis and Management from Cornell University and is a graduate of The George Washington University Law School. During law school she worked as a law clerk for the U.S. Department of Justice Antitrust Division, the Senate Judiciary Committee and at the government affairs and public relations firm Dutko Grayling (formerly Dutko Worldwide).
In 2013, Ms. Charles was selected for the inaugural class of the President's Leadership Workshop, a highly selective leadership training course created by President Obama to prepare the next generation of Senior Administration Officials by offering participants an opportunity to refine management, communications and leadership skills.
From assisting in the development and implementation of strategy on operational, legislative, legal and regulatory issues, to securing the passage of legislation in multiple sessions of Congress, Ms. Charles has a breadth of experience in multiple facets of the affordable housing and housing finance industries.
Andrew Davidson is a financial innovator and leader in the development of financial research and analytics. He has worked extensively on mortgage-backed securities product development, valuation and hedging. He is president of Andrew Davidson & Co., Inc., a New York firm specializing in the application of analytical tools to investment management, which he founded in 1992.
Andrew was instrumental in the creation of the Freddie Mac and Fannie Mae risk-sharing transactions: STACR and CAS. These transactions allow Freddie Mac and Fannie Mae to attract private capital to bear credit risk, even as they remain in government conservatorship. Andrew is also active in other dimensions of GSE reform and has testified before the Senate Banking Committee on multiple occasions. Andrew also helped establish the Structured Finance Industry Group and served on the Executive Committee at its inception.
He is co-author of the books Mortgage Valuation Models: Embedded Options, Risk and Uncertainty; Securitization: Structuring and Investment Analysis; and Mortgage-Backed Securities: Investment Analysis and Valuation Techniques. He has contributed to The Handbook of Mortgage-Backed Securities and other publications. He received an MBA in Finance at the University of Chicago and a BA in Mathematics and Physics at Harvard.
Wanda DeLeo is the Deputy Director of the Office of Strategic Initiatives for the Federal Housing Finance Agency (FHFA). She assumed the position in May 2012, leading and overseeing all activities associated with the agency’s conservatorship strategic plan. The strategic plan outlines an expansive agenda of agency activities to shape the future of housing finance—maintaining a focus on loss mitigation and market liquidity issues—while contracting the footprints of Fannie Mae and Freddie Mac in the marketplace.
Wanda has held multiple positions at FHFA, including Deputy Director of the Division of Examination Programs and Support, Acting Deputy Director of the Division of Housing Mission and Goals and Chief Accountant. Before becoming Chief Accountant at FHFA in 2008, she was Examination Manager for Accounting and later Chief Accountant for the former Office of Federal Housing Enterprise Oversight (OFHEO), one of FHFA’s predecessor agencies.
Before joining OFHEO in 2002, Ms. DeLeo enjoyed a 20-year academic career that included teaching and conducting research in financial accounting, information systems, critical thinking, and problem solving at Winthrop University, Christian Brothers University, University of Houston – Downtown, Georgia State University, and Kennesaw State University.
She also has been Chief Accountant for America Pioneer Life Insurance Company and began her career as an Assistant National Bank Examiner with the Office of the Comptroller of the Currency.
Wanda is a Certified Public Accountant and a member of the American Institute of Certified Public Accountants. She holds a PhD in accounting from Georgia State University, a master’s degree in accounting from the University of Central Florida, and a bachelor’s degree in accounting from the University of Georgia.
Ed is the current President and CEO of the Five Star Institute, a leading mortgage banking association providing education and strategic services to the US mortgage market. He is the former Chief Operating Officer of Wingspan Portfolio Advisors, an award-winning, diversified mortgage servicing company.
Formerly SVP of Wells Fargo and executive at Freddie Mac, Ed has more than 20 years of experience in mortgage banking and is recognized as a thought leader and innovator throughout the industry. In his role as Five Star CEO, Ed has hosted discussions with global leaders including former President George W. Bush, New York Mayor Rudolph Giuliani, and U.S. Secretary of State Condoleezza Rice.
While SVP of government and industry relations at Wells Fargo, Ed played an integral role within the company's mortgage servicing group and served as a leader in the mortgage community, government agencies and industry trade groups in Washington, D.C. Ed was a key representative to the U.S. Department of the Treasury, and in conjunction with industry leaders, was supportive of the Obama and Bush administration's efforts to develop mortgage solutions designed to prevent home foreclosures in the U.S. He has also spoken before the Federal Reserve Bank and the President's Economic Recovery Advisory Board (PERAB) on matters related to housing.
Ed's experience includes serving as a member of the Housing Policy Council of the Financial Services Roundtable. He previously chaired several subcommittees for the HOPE NOW Alliance, a public and private sector partnership focused on assisting at-risk mortgage consumers. He was elected chairman of the Office of the Comptroller of the Currency Advisory Council, an independent working group supporting federally chartered banking institutions. Prior to joining Wells Fargo, Ed served as an executive at Freddie Mac in various leadership roles including loss mitigation, structured risk transactions, investor reporting, and portfolio analysis. He currently holds a seat on the National Advisory Council on consumer credit and is ex-officio of Legal League 100 and its committees.
Tom is the Executive Director of the American Securitization Forum, Inc., serving to implement the organization's securitization market advocacy initiatives. Tom previously served as an Associate in the Capital Markets Department of Cadwalader, Wickersham & Taft LLP, where he represented issuers and underwriters in various structured finance offerings, including residential mortgage-backed securitizations and asset-backed securitizations. Prior to that, Tom served as an Associate at McKee Nelson LLP, where he focused on residential mortgage-backed securitizations. Tom earned his J.D. from the University of Pennsylvania, where he was also enrolled in the Wharton School's Ph.D. program in Public Policy and Management. In addition, he earned an M.Sc. from the London School of Economics and Political Science and a B.S.B.A. with Honors and a B.A. magna cum laude from Washington University in St. Louis.
Sean Dobson is Chief Executive Officer and Chair¬man of the Board of Amherst Holdings, an invest¬ment services holding company which controls several companies dedicated to the U.S. real estate finance industry. Amherst is widely known for their data and analytics and one of the few residential mortgage specialists to anticipate the 2008 mortgage crisis. Mr. Dobson has over 25 years of experience in the mortgage industry, including origination, banking, brokerage, and asset management. Mr. Dobson served as a board member of the Structured Finance Industry Group, is a Co-Founder of CapCityKids in Austin, Texas and serves as a Gov¬erning Trustee for the Dana-Farber Cancer Institute in Boston. He lives with his wife and two children in Austin, Texas
Pat leads the Real Estate Special Situations Group with responsibility for the Home Place Partners strategy. He joined TCW during the acquisition of Metropolitan Asset Management LLC (MetWest). Prior to joining MetWest,Pat was a Managing Partner of The Winter Group (TWG) where he was President of the firm's asset management business which managed approximately $6.5 billion in CDO product and served on the Board of Directors of Specialized Loan Servicing LLC, formerly a TWG subsidiary company currently focused on special servicing approximately $15 billion of distressed mortgage assets. Prior to founding TWG, he was a Managing Director at Credit Suisse First Boston. He began his career at Bank of America where he initially traded U.S. Treasury and Agency debt and ultimately managed the fixed income sales, trading, and the proprietary risk positions for Bank of America Asia Limited. Pat earned a bachelor's degree in Economics with a minor in Japanese Studies from the University of California, Berkeley.
Douglas G. Duncan is Fannie Mae's senior vice president and chief economist. He is responsible for providing all forecasts and analyses on the economy, housing, and mortgage markets for Fannie Mae. Duncan also oversees corporate strategy and is responsible for strategic research regarding external factors and their potential impact on the company and the housing industry.
Named one of Bloomberg / BusinessWeek's 50 Most Powerful People in Real Estate and one of Inman News' 100 Most Influential Real Estate Leaders fo2013, Duncan is Fannie Mae's source for information and analyses on the external business and economic environment, the implications of changes in economic environment to the company's strategy and execution, and forecasting for housing activity, demographics, overall economic activity, and mortgage market activity.
Prior to joining Fannie Mae, Duncan was Senior Vice President and Chief Economist at the Mortgage Bankers Association. His experience also includes service as a LEGIS Fellow and staff member with the Committee on Banking, Finance, and Urban Affairs for Congressman Bill McCollum in the U.S. House of Representatives, and work on the Financial Institutions Project at the U.S. Department of Agriculture.
Duncan received his Ph. D. in Agricultural Economics from Texas A&M University and his B.S. and M.S. in Agricultural Economics from North Dakota State University. September 2014
Frank joined Neuberger Berman in 2011 and is the Head of Residential Loan Activities. For 12 years prior to joining the firm, he was Chief Executive Officer of Newport Coast Capital Management, a private equity real estate investment firm. At Newport, Frank focused on residential, condominium, apartment to condominium conversion, multi-family, and commercial investments. Before Newport from 1988-1997, Frank held various regional and district management roles at GE Medical Systems, Sopha Medical Systems, and ADAC Labs. Frank earned his BS in Mechanical Engineering from the University of Illinois and an MBA from the Harvard Graduate School of Business with a concentration in investment management and real estate.
Bill is chief executive officer of Quicken Loans, Inc., the nation's largest online home loan lender and fourth largest retail mortgage lender. Bill is responsible for the day-to-day leadership and growth of Quicken Loans.
Bill joined the company in 1993 as a mortgage banker. His passion and commitment for learning and growing, and his zeal for taking care of clients, helped him take on many roles at the company. He pioneered the centralized business model that Quicken Loans utilizes today. In February of 2002, Emerson was promoted to CEO.
Bill is an active spokesperson on the housing industry and has testified before the United States Senate Committee on Banking, Housing, and Urban Affairs. He serves on the Mortgage Bankers Association Residential Board of Governors and the Housing Policy Executive Council. Bill earned a bachelor's degree in business from Penn State.
Mr. Fiorillo is a founding member of DoubleLine. He is the head of Global Sales. Prior to joining DoubleLine in 2009, Mr. Fiorillo was previously a Managing Director at TCW for the previous four years, where he oversaw ABS and CMBS trading. Mr. Fiorillo was an Executive Director with Morgan Stanley. Responsibilities at Morgan Stanley included developing mortgage origination providers into the Morgan Stanley Conduit and expanding the Firm's activity in both the Asset-Backed and Commercial Mortgage Backed securities markets. Prior to joining Morgan Stanley, Mr. Fiorillo was the Co-Head, Managing Director of the Mortgage-Backed Securities Group at Smith Barney. Before being recruited to Smith Barney, he was the head of marketing and sales of the Mortgage-Backed Securities Group at Merrill Lynch. He brings over thirty years of mortgage, asset-backed and commercial mortgage experience to our team. Mr. Fiorillo attended the City University of New York and Marist College.
Chris Flanagan is Head of US Mortgage and Structured Finance Research at Bank of America Merrill Lynch.
Previously, he was Head of ABS, CDO and CMBS Research at JP Morgan, where he worked from 2000-2009. Prior to that, he held positions as the Head of ABS and MBS Research at Merrill Lynch.
In recent years, Chris has been ranked #1 in the Institutional Investor Fixed Income Research Survey in ABS and CDOs.
He holds BS and MS degrees in Electrical Engineering from Cornell University and an MBA from the State University of New York at Albany.
Mark Fleming serves as the chief economist for First American Financial Corporation, a leading provider of title insurance, settlement services and risk solutions for real estate transactions that traces its heritage back to 1889. In his role, he leads an economics team responsible for analysis, commentary and forecasting trends in the real estate and mortgage markets.
Fleming's research interests primarily include real estate and urban economics, applied econometrics and mortgage risk. He has published research in the American Journal of Agricultural Economics and Geographic Information Sciences. His research has also been published in the book, "Advances in Spatial Econometrics," and is a U.S. patent author.
As a trusted and influential voice with 20 years of experience in the mortgage and property information business, Fleming is frequently quoted by national news outlets and industry trade publications such as The Wall Street Journal, The New York Times, and Housing Wire and he is a regular guest on high-profile broadcast news channels, including CBS, CNBC, Fox Business News and NPR.
Before joining First American, he developed insights and analytical products for CoreLogic, and property valuation models at Fannie Mae. Fleming graduated from the University of Maryland with a Master of Science and a doctorate in agricultural and resource economics and holds a Bachelor of Arts in economics from Swarthmore College. He lives and works in the Washington, D.C. area.
A recovering investment banker, Rich deserves the Single-Family Rental Lifetime Achievement Award... for being one of the first to embrace the Single-Family Rental sector as an institutional asset class during his time at Jefferies. Having previously spent time at Lehman and Bank of America, Rich is embracing startup life and only wonders why he waited this long to dive in! Being Canadian, of course Rich put himself through college rappelling out of helicopters to fight forest fires. Don’t they all?
Carol is the Acting Assistant Secretary for Housing-FHA Commissioner, U.S. Department of Housing and Urban Development. President Obama appointed her in March 2009 as the Deputy Assistant Secretary for Multifamily Housing programs, where she oversaw the largest ever expansion of the Multifamily portfolio. As Acting FHA Commissioner, she has direct responsibility for oversight and administration of the FHA insurance portfolio, which includes multifamily housing, insured health care facilities and over 20 percent of mortgages in the domestic single-family market. She is also responsible for several of HUD's rental assistance programs, including 1.2 million units of Project Based Rental Assistance, and over 424,000 apartments for elderly and the disabled under the Section 202 and 811 programs. Carol holds a Master of City Planning from U.C. Berkeley, and a Bachelor of Arts from Ohio Wesleyan.
Laurie Goodman is the director of the Housing Finance Policy Center at the Urban Institute. The center is dedicated to providing policymakers with data-driven analyses of housing finance policy issues that they can depend on for relevance, accuracy, and independence. Before joining Urban in 2013, Goodman spent 30 years as an analyst and research department manager at a number of Wall Street firms. From 2008 to 2013, she was a senior managing director at Amherst Securities Group, LP, a boutique broker/dealer specializing in securitized products, where her strategy effort became known for its analysis of housing policy issues. From 1993 to 2008, Goodman was head of global fixed income research and manager of US securitized products research at UBS and predecessor firms, which were ranked first by Institutional Investor for 11 straight years. Before that, she was a senior fixed income analyst, a mortgage portfolio manager, and a senior economist at the Federal Reserve Bank of New York. Goodman was inducted into the Fixed Income Analysts Hall of Fame in 2009.
Laurie currently serves on the board of directors of MFA Financial, a Real Estate Investment Trust, is an advisor to Amherst Capital Management (ACaM), and is a member of the Bipartisan Policy Center’s Housing Commission, the Federal Reserve Bank of New York’s Financial Advisory Roundtable, and the New York State Mortgage Relief Incentive Fund Advisory Committee. She has published more than 200 journal articles and has co-authored and co-edited five books.
Goodman has a BA in mathematics from the University of Pennsylvania and an MA and PhD in economics from Stanford University.
Ben is senior vice president of Real Estate & Financial Services for CoreLogic. He is responsible for leading the Capital Markets, Mortgage Analytics, and Realtor solutions businesses. All three businesses are market leaders in their respective industries. Ben also leads the economics team which analyzes real estate and housing finance topics and presents written research to the press and academic communities.
Under Ben’s leadership, CoreLogic has introduced many innovative products and solutions, including the Partner InfoNet MLS revenue sharing initiative, Vector continuous blind testing, Vector Securities, ValueMap and ListSource. Also under Ben’s leadership, CoreLogic established itself as the dominant automated valuation model (AVM) provider in the U.S. and Australia. Ben assists in guiding the company’s mergers, acquisitions and expansions into new markets. Ben led the acquisition of TaraSoft in 2011. Recently, he was named one of Inman’s 100 Most Influential Real Estate Leaders. He has been with the company since joining First American Real Estate Solutions in 2003.
Before joining CoreLogic, Ben managed a portfolio of mortgage and analytics technology products as vice president of Interthinx (a Verisk company), and served as chief information officer prior to that for Move, Inc., a leader in online real estate and operator of the Move Network of real estate websites for consumers and real estate professionals. Ben also previously worked for the New York Times, where he created the newspaper’s first online article delivery and advertising website, www.nytimes.com, and for IBM, where he developed and launched its first-ever website, www.ibm.com.
Ben holds bachelor of arts degrees in Physics and French from the University of California, Berkeley.
Daniel is one of the most widely read financial and economic writers working today. He is global business editor and columnist at Newsweek and the Daily Beast, where he oversees economic coverage for the magazine and the website. His column appears online, in the magazineÕs domestic and international editions, and in the several foreign language editions. He is the host of "The Number", a daily video feature that appears on TheDailyBeast.com. A native of East Lansing, Michigan, Daniel graduated from Cornell University in 1989, with degrees in government and history, and holds an A.M. in American history from Harvard University (1991).
Matt joined Sterling Partners in 2009 and is a Vice President. Prior to Sterling, Matt was a founder and Vice President of Business Development at Metropolitan Capital Bank. He also worked in Corporate Strategy and Business Development for JPMorgan and as a Management Consultant for Accenture. Matt received a BSE, magna cum laude in Mechanical Engineering from the University of Michigan and an MBA with honors from The University of Chicago Booth School of Business.
Chris is a Partner and the Head of Capital Markets at Fenway Summer. He also serves as Head of Capital Markets for Ethos Lending, Fenway Summer’s mortgage venture.
Chris joined Fenway Summer from the U.S. Consumer Financial Protection Bureau (CFPB), where he served on the Mortgage Markets team as the CFPB’s senior expert in residential mortgage servicing and securitization. Chris managed many of the CFPB’s efforts in developing and executing mortgage policy and led Mortgage Markets’ efforts in developing the CFPB’s mortgage servicing rules.
Prior to joining the CFPB, Chris was the Director of Asset Management and Servicer Monitoring at Ginnie Mae, where he was responsible for surveillance of 220+ servicers for GNMA’s portfolio of 7.1 million loans. In addition, Chris oversaw servicing and asset management of Ginnie Mae’s $25+ billion defaulted issuer portfolio.
Before joining Ginnie Mae, Chris was a Senior Director at Capital One where he managed Capital One’s $13+ billion held-for-investment whole loan mortgage portfolio. Prior to that, he has held senior positions in structured finance, servicing and capital markets at BlackRock Financial Management, GE Capital Mortgage, Fannie Mae and the National Consumer Cooperative Bank. He has over 20 years of experience in the mortgage industry and holds a B.S. from Georgetown University and a M.B.A. from the University of Michigan.
Laurie Hawkes is the former co-founder of American Residential Properties, which is one of the top-five fastest-growing companies in the housing industry. In the past year, she has taken ARPI public as a REIT, and overseen its first rental-backed securitization, backed by 2,876 single-family homes in the company’s portfolio. Ms. Hawkes co-founded the Phoenix Fund and ARM in early 2010, as well as ARP LLC in October 2008. From 1995 to 2007 Ms. Hawkes worked at U.S. Realty Advisors, a $3 billion real estate private equity firm, becoming a Partner in 1997 and serving as President of the firm from 2003 to 2007. In the seventeen years prior to joining U.S. Realty Advisors, Ms. Hawkes was a Wall Street investment banker specializing in real estate and mortgage finance. From 1993 to 1995, Ms. Hawkes was a Managing Director in the Real Estate Investment Banking Division at CS First Boston Corp., and from 1979 to 1993 was a Director in the Real Estate Investment and Mortgage Banking Departments at Salomon Brothers Inc. During her investment banking career, she structured and negotiated more than $16 billion in real estate acquisitions and securitized mortgage debt transactions for all property types utilizing many types of financing, including private equity, capital markets financial institutions and institutional investors. She holds a BA Degree from Bowdoin College and an MBA from Cornell University.
Paul is a recognized leader and innovator in the distressed residential housing market and national property management services. Paul brings a wealth of knowledge and experience to this dynamic housing environment from service provider to personal investor. Prior to joining Inclyne Inc., Paul was the founder and CEO of TenantAccess Inc., the leading national provider of single family residential rental and property management services. Under his leadership, TenantAccess became the largest provider of property management services to the single family residential rental market. Just last year, Paul Hayman was also the driving force in creating the Single Family Residential Rental Think Tank. This non-partisan organization draws together some of the most dynamic and influential leaders and institutions in the country who are working to address the opportunities and challenges of this evolving institutional asset class.
Paul began his long-term career with TFC, a subsidiary of publicly traded FirstService Corp., in 1985. For 26 years, Paul held various executive positions within the TFC holding company, including president of TFC Contractor Networks, CEO of Pillar to Post, and president of CertaPro Painters, among others. It was during his term with the Contractor Network division that he founded TenantAccess while at the same time was responsible for the scaling and results of Field Assets Services Inc. during its explosive and highly successful growth years from 2008 to 2011.
For over 30 years Paul Hayman has committed his professional life to three primary areas: understanding and leading growing companies which are the forerunners in their respective industry; understanding the needs of families who enjoy the benefits of living in a single family residence regardless of the family being an owner or renter; understanding the dynamics of meaning in the workplace for all levels of organization's stakeholders.
As Founder, CEO and President of Wingspan Portfolio Advisors, Steven Horne brings a wealth of mortgage servicing experience to clients. Under his leadership, Wingspan has partnered with many of the top 5 financial institutions in the U.S., and the company was recently named #23 on the Inc. 500 list of fastest-growing private companies. Horne is a career-long expert in creating and executing strategies to mitigate losses in real estate portfolios of all types. Previously, he was director of servicing risk strategy with Fannie Mae where he restructured the National Servicing Organization and redesigned servicer performance reporting and legal services management. Prior to Fannie, he was with Sherman Financial Group and Resurgent Capital Services. Horne holds a JD from George Washington University and bachelor degrees in English and Economics from Emory University.
JK Huey is senior vice president of Wells Fargo Home Lending Asset Management and Preservation, headquartered in San Antonio, Texas. In her role, Huey is directly responsible for managing all REO (real estate owned) and property preservation activities for the servicing channel.
Huey, a 30+-year veteran of the mortgage industry, joined Wells Fargo in 2009. Prior to joining Wells Fargo, she was the servicing manager at IndyMac Bank and held senior management positions with Washington Mutual and HomeSide Lending. Huey has managed customer service, default management, escrow administration, cash management, investor reporting, acquisitions, and retail production.
Along with being a Certified Mortgage Banker, Accredited Mortgage Professional, a member of the MORPAC and Loan Administration Steering Committees with the Mortgage Bankers Association of America, Huey was president of the Texas Mortgage Bankers Association from 1998-1999 and chairman of multiple committees. She is the recipient of the Young Mortgage Banker of the Year Award in 1992, the Larry E. Temple Distinguished Servicer Award for 2012, and the 2014 Five Star Lifetime Achievement Award. She also has experience on the Black Knight Mortgage Advisory Board, Freddie Mac Servicer Advisory Board, Fannie Mae Customer Advisory Group, and the National Mortgage Servicing Association.
Huey is a graduate of the MBA School of Mortgage Banking and holds the designations of Master Certified Mortgage Banker and Accredited Mortgage Professional. She also has a master’s degree in Business Administration from Our Lady of the Lake University, San Antonio, Texas.
Louise is a Senior Vice President at Nielsen and concurrently serves as Chief Research Officer for The Demand Institute. She was most recently Intellectual Capital Director at The Cambridge Group, a division of Nielsen that specializes in helping Fortune 500 companies drive growth strategies that are grounded in a deep understanding of consumer demand. Before joining The Cambridge Group in 2005, Louise spent seven years as a member of the Department of Economics faculty at the University of Wisconsin-Madison and as a research fellow in economics at Oxford University. Louise earned a PhD in economics and an MSc in econometrics from the London School of Economics, where she began graduate studies as a Marshall Scholar. Louise holds a BS in international economics from Georgetown University's School of Foreign Service.
Bill is founder, Chairman and CEO of De Novo Corporation, an integrated management and advertising consultancy with offices in the United States, Canada and the United Kingdom. De Novo Corporation is the parent to Creative Solutions, Convergence Group, Stratcom, Owen Holleway, iLabyrinth and De Novo UK. The firms provide a wide range of services to Fortune 500 companies with a strong practice in payments systems, financial services and pharmaceuticals. Engagements have included co-brand credit card startups, virtual bank conduits, interim management, portfolio acquisitions, turnaround of the world's largest direct-to-consumer insurance company providing low end annuities, and strategic and operations planning. Bill has over 20 years of experience in banking, payment systems, general advertising, direct mail, and interactive media.
Jacob has been a research fellow at the Institute since 2002 and is also a senior associate at the Rhodium Group, a New York-based research firm. Before joining the Institute, he worked with the Danish Ministry of Defense, the United Nations in Iraq, and in the private financial sector. He is a graduate of the Danish Army's Special School of Intelligence and Linguistics with the rank of first lieutenant; the University of Aarhus in Aarhus, Denmark; and Columbia University in New York. He is coeditor of Transatlantic Economic Challenges in an Era of Growing Multipolarity (2012) and author of The Accelerating Decline in America's High-Skilled Workforce: Implications for Immigration Policy (2007) and coauthor of US Pension Reform: Lessons from Other Countries (2009) and Transforming the European Economy (2004) and assisted with Accelerating the Globalization of America: The Role for Information Technology (2006). His current research focuses on European economies and reform, pension systems and accounting rules, demographics, offshoring, high-skilled immigration, and the impact of information technology.
D. Robert Anderson Lee is a co-founder and managing director of Sylvan Road Capital, an asset management firm focused on the buy-to-rent market. Rob is also the CEO of HavenBrook Partners, a wholly owned subsidiary of Sylvan Road Capital. He has over 16 years of experience in the real estate construction industry. Before co-founding Sylvan Road, Rob was a founder and managing director of Delmar Realty Advisors, an Atlanta-based firm focused on the buy-to-rent market. Prior to this, Rob owned several successful companies that designed and built commercial and residential properties, most recently serving as vice president and owner of Chesapeake Development where he designed and built over 150 single family homes. Rob was also an owner and principal of Axio Designs and Rice Design Studio. Both firms focused on residential and commercial design and build projects. Rob received a Bachelor’s of Arts in Philosophy from Emory University and a Masters of Architecture from Georgia Institute of Technology.
Kyle is the President of IndustryVault, and has experience managing diverse cross-functional teams at data and analytics firms such as Black Knight, Andrew Davidson & Co, and LoanPerformance. He co-founded the analytics firm VaRisk, and has worked with C-level executives at many Fortune 500 public companies. Kyle combines a Ph.D. in finance with a strong track record managing both the top- and bottom-lines in data & analytics businesses. He speaks frequently at industry conferences such as ASF, the Housing Policy Council, and MBA Annual, and on news shows such as CNBC and Fox Business.
Dan is the founder of Center Creek Capital Group, which he formed as an investment fund investing in the REO-to-rental space and to provide strategic advisory services to private investment funds and mortgage finance companies. He also serves as a Senior Advisor at the Collingwood Group, a business development advisory firm in Washington DC. Previously, as Director of Investments for Lone Star Funds, a $40B private equity fund specializing in distressed debt, he opened the fund's Washington DC office to focus on public-private partnerships. Dan has worked as an investment banker and a Director of Corporate Development at Capital One, where his deals included the $14B acquisition of North Fork Bank. Dan has published research papers on economics and business policy, and spoken at Harvard Business School, George Washington University School of Business, and industry conferences. He serves on the Board of Directors and as Chairman of the Finance Committee for Friends of Choice in Urban Schools (FOCUS), as well as on the Board of Directors for DC Scholars, a start-up public charter school in Washington DC. Dan has a BA from Yale and an MBA from the Wharton School of Business.
Richard has over 30 years of experience in mortgage banking and property management including managing all aspects of mortgage banking including originations, servicing, and secondary marketing. His prior experience includes SVP of Executive Administration for Lomas Mortgage USA, President of Winstar Mortgage Partners, and 11 years with Guaranty Residential Lending ,a top 25 mortgage operation, as Chief Operating Officer. His accomplishments include operating a $10 billion a year origination and 100,000 loan servicing platform, extensive M&A experience, development of several asset or investment M&A structures, and management of multiple conduits and national operational platforms including property management. Richard received his BS from the School of Communications at The University of Texas in Austin, Texas.
Ryan is an Executive Vice President and member of the Executive Committee at Colony American Homes, the investment vehicle established by Colony Capital to pursue a large-scale investment strategy relating to single-family residential rental assets across the US. He helps lead the Company's acquisition arm and is responsible for building and managing the Company's affiliate network and overall operational activities. Previously, Ryan was a Senior Managing Director at Carrington where he was responsible for directing the firm's single-family buy and hold strategy. Ryan also spent over 12 years in investment banking, most of this time with JPMorgan. He led public and private capital financings and M&A advisory services for companies across a range of industries. Ryan received a BBA degree in Finance from The College of William and Mary and a MBA degree in Finance from Duke University's Fuqua School of Business.
Patrick McEnerney is a Managing Director of Deutsche Bank’s Non Core Operations Unit with responsibility for legacy RMBS and related mortgage risk in the US and UK. Pat joined Deutsche Bank in 2007 and has held multiple roles in the firm as part of DB Americas Regional Management team and within Global Markets.
Over his 30 year banking career, Pat has held multiple senior management roles in the mortgage banking and banking industries including as President of The Bank of New York Mortgage Company, Executive Vice President of EverBank and Chief Credit Officer of Participants Trust Company (currently part of DTC).
Pat has also been active in numerous industry boards and not-for-profit organizations. He is an Executive Committee member of the Financial Services Roundtable’s Housing Policy Council. He also serves on the Advisory Board for Neighborhood Housing Services of New York City and as an Advisory Board Member of The Institute for Affordable Housing Policy at New York University’s Furman Center.
Dale started his career in Loss Mitigation more than 38 years ago and has led FAS for the past 13 years. Dale has previously worked with several mortgage lenders and service providers, including Ryan Mortgage Co., Lomas Mortgage, USA, Mellon Mortgage West and CALMCO, Inc. Collections, foreclosures, and REO administration have been the sole focus of Dale's career, and he has dutifully earned the trust and respect from his colleagues across the industry. In addition to many awards and accolades over the years, Dale serves on The DSN Editorial Advisory Board.
Managing Director and Head of Financial Services/Real Estate Research Paul Miller is well known in the investment community for providing in-depth, fundamental analysis and investment recommendations on money center, regional, and community banks, as well as on mortgage finance companies. Mr. Miller’s coverage includes Wells Fargo & Co., JPMorgan Chase & Co., Bank of America, and U.S. Bancorp.
In 2010, Mr. Miller was named the top overall stock analyst among 2,700 analysts by Forbes.com. He also received the Forbes.com Blue Chip Analyst Award as the leading analyst covering banks & thrifts in 2008, 2009, and 2010; he received the same award for coverage of finance companies in 2009. Mr. Miller was recognized by the Financial Times/StarMine in 2008 and 2009 as the leading earnings estimator in thrifts & mortgage finance. He was also named The Wall Street Journal’s “Best on the Street” in 2006 and 2007 for coverage of thrifts. In 2008, Bloomberg Markets ranked Mr. Miller No. 1 for Bearish Best Calls from among more than 3,000 analysts worldwide.
Mr. Miller is a former bank examiner for the Federal Reserve Bank of Philadelphia, where he worked for five years. As a bank examiner, Mr. Miller conducted financial analysis for more than 30 community banking institutions in the Philadelphia and Harrisburg market areas. Mr. Miller earned his B.S. in economics, his B.A. in international relations, and his M.S. in economics from the University of Delaware. He received the chartered financial analyst designation in 1997.
Toni Moss is the founder and CEO of AmeriCatalyst LLC and EuroCatalyst BV, “sister” advisory firms with specialized services for investors and companies engaged in housing finance and Single Family Rental (SFR). She is also Chairman of the Board of The AmeriCatalyst Idea Lab, a non-profit which generates viable ideas to stabilize and sustain the housing market. Toni is a unique force in housing and real estate; with an entrepreneurial background in corporate intelligence, strategy, market positioning and trend forecasting, she is both a catalyst and connector to move agendas forward. With hands-on operational and senior management experience in 21 national mortgage markets around the world, Toni is one of few experts with a truly global perspective on the industry.
Frequently among the first to identify significant trends and articulate their impact, she is known for calling a series of international government meetings and giving industry-wide presentations and interviews (beginning in 2001) to draw attention to the role of international housing finance and investment as “the epicenter of the global economic fault line”. She believed that this role, in combination with over-leverage and the accelerating forces of globalization were likely to cause an unprecedented global economic fracture.
To amplify her efforts, the following year (in 2002) Toni launched the revolutionary annual EuroCatalyst conference series to share research, observations and ideas among the most respected peers in global housing finance. Today, the series continues as the AmeriCatalyst conference in Austin (Texas), which acts as a collaborative think tank to discuss current issues in housing finance and SFR in the context of globalization and generate innovative ideas across the housing finance and rental lifecycle. Renowned for its unparalleled content and powerhouse of participants, the event is considered the most influential and intellectually challenging conference experience in the industry.
Brandon is a Managing Director at Hayman Capital Management, L.P.Prior to joining Hayman Capital Management in September 2007, he was employed by Countrywide Financial Corp.as a Senior Vice President in Treasury, where he managed the company's asset-backed commercial paper programs and secured warehouse lines of credit. His responsibilities included structuring the facilities, legal documentation and rating agency negotiations. Brandon was also responsible for collateral modeling and liquidity forecasting. Previously, he was employed by AmeriCredit Corp., where he managed the conduit finance, securitization modeling and derivatives groups. During this time, he was responsible for modeling all current and prospective term securitizations. In addition, Mr.Osmon assisted in structuring the company's short-term asset-backed financing programs. Brandon graduated with a Bachelor of Business Administration in Finance from the University of Texas in May 1999.
Ketan is a Director in the Mortgage Finance Group based in New York. He joined Bank of America Merrill Lynch (through Merrill Lynch) in 2006. Ketan is currently involved in the banks disposition of NPLs and REOs, as well as providing securitization and mortgage lending solutions for originators and owners of the mortgage loans and REOs. These clients include private equity, hedge fund, money managers, mortgage companies and servicers.
Previously, he has worked as head of the banking and analytics group which covers the bank and third party clients with respect to mortgage related structured transactions. Prior to Bank of America, Ketan worked for UBS in the mortgage and asset backed group focused on residential mortgages and Ameriquest Mortgage Company as the head of capital markets. Ketan holds a Bachelors of Business and Administration in Accounting and Finance.
Diane is the managing director of Fitch Ratings' Operational Risk Group. Her responsibilities include program development and oversight of global residential, and commercial servicer reviews and ratings and international ABS servicer ratings. Her group is also responsible for global CDO asset manager ratings, domestic residential originator reviews and trustee evaluations. In addition, she manages various other special projects related to servicing, origination, operational performance, and surveillance. Prior to joining Fitch in 1997, Diane was an independent mortgage-banking consultant, primarily working on the review and re-write of Ginnie Mae's single-family and multi-family issuer and document custodian compliance procedures. From 1990 to 1996, she was chief of MBS administration, Office of Securitization, in the Resolution Trust Corp.'s Washington, D.C. national headquarters.
Joshua is a Partner at independent research consultancy Graham Fisher & Co. and advises regulators, policymakers and institutional investors on housing and mortgage finance issues. Previously he was the Managing Director of financial services research for Medley Global Advisors and was an Executive Vice President at CIBC World Markets. Josh was among the first analysts to identify operational and accounting problems at the government-sponsored enterprises and one of the earliest in identifying the peak in the housing market, the likelihood of contagion in credit markets and the weaknesses in the credit rating agencies CDO assumptions.
Amy Schumacher is the President of Originations and Corporate Technology at New Penn Financial.
Prior to New Penn Financial, Mrs. Schumacher was the Chief Operating Officer of Prospect Mortgage, the second-largest FHA 203K lender in the nation. In this role, Amy oversaw all aspects of the company’s operations, including Information Technology, Operations, Credit, Capital Markets, Training, Project Management, Analytics, Post Closing/Funding and Servicing. Prior to this position, Amy served as President of Correspondent Lending and Servicing.
Prior to Prospect Mortgage, Mrs. Schumacher formed Vantium Capital, Inc. and Vantium Capital Management with Apollo L.P., a leading private equity firm. As the CEO of Vantium Capital, whose primary focus was to assist Vantium Capital Management and third party asset owners realize value in distressed asset portfolios, Mrs. Brandt-Schumacher led the acquisition of special servicer, Acqura Loan Services and third party asset recovery firm, Strategic Recovery Group, both based in Dallas, TX.
Prior to Vantium Capital, Mrs. Schumacher was the President and CEO of WMC Mortgage, a GE Money Company. During her tenure at WMC, she led the reorganization of the business into one of the largest non-traditional mortgage companies with originations exceeding $3 billion per month. She also led the sale of the organization from Apollo L.P. to GE Money. Mrs. Schumacher is an expert in the mortgage and secondary market industry with diverse experience in origination, servicing and capital markets. She has led both turn-around efforts and start-ups to profitability, has spearheaded the sale of two companies and has participated in numerous capital markets transactions, creating tremendous shareholder value.
Mrs. Schumacher is the founder of the Residential Servicing Coalition and has served on numerous industry committees and panels including Housing Policy Council, Mortgage Bankers Association and Source Media. She also serves on the Board of Directors as Co-Chair of the Women’s Committee for the Institute of International Education’s Scholar Rescue Fund and she sits on the Board of Directors of the AmeriCatalyst Idea Lab. She has served on the boards of SourceCorp, Inc., Bluebeam Software, Inc. and other privately held companies.
Mrs. Schumacher is a graduate of the University of Southern California with a Degree in Political Science and Spanish and holds a Law Degree from Arizona State University.
Faith is the Executive Director of HOPE NOW and President of Housing Finance Strategies, LLC. Since 2007, Faith has led HOPE NOW, a non-profit coalition of nationwide servicers/lenders, investors, counselors and other mortgage market participants that has engaged in collaborative outreach to homeowners that has resulted in 4.8 million loan modifications and participation in 115 face to face borrower outreach events. Additionally, HOPE NOW has been instrumental in bringing key regulators and industry leaders together to discuss mortgage servicing and homeownership preservation. Faith has more than two decades of experience that includes senior level positions at Freddie Mac, Option One Mortgage, TMC Mortgage and Dominion Bankshares Mortgage Corporation, as well as Board positions at HOPE LoanPort®, Mortgage Cadence, NCRC Mortgage Advisory Council, Mortgage Bankers Association, Asian Real Estate Association and the Federal Reserve Board's Consumer Advisory Council. Faith has appeared on several national media outlets and has testified before Congress on multiple occasions regarding housing issues.e is currently evaluating the proposal for an EU mortgage credit directive.
Ellen is an Advisor to The Urban Institute. She is the former Director of the U.S. Treasury DepartmentÕs Office of Thrift Supervision. Other past positions include Senior Research Fellow in the Asset Building Program of the New America Foundation, senior positions at ShoreBank Advisory Services and ShoreBank Corporation, Senior Counsel to the Democratic staff of the Financial Services Committee of the U.S. House of Representatives, Director of the Federal Deposit Insurance Corporation and Chairman of the Board of the Neighborhood Reinvestment Corporation, and Assistant for Economic Policy to President Clinton. She holds a bachelor's degree from Radcliffe College, a law degree from Georgetown University Law Center, and an MBA in finance and investments from George Washington University.
Rick became CMO of Ten-X in January, 2016, after spending two years with Auction.com as an Executive Vice President. One of the country’s most frequently-quoted sources on real estate, mortgage and foreclosure trends, Rick has appeared on the CBS Evening News, NBC Nightly News, CNN, ABC World News, CNBC, FOX, Bloomberg and NPR; briefed government organizations such as the Federal Reserve and Senate Banking Committee; and corporations like JPMorgan Chase, Citibank and Deutsche Bank.
Prior to joining Auction.com, Rick was an Executive Vice President for Carrington Mortgage Holdings, which owns and operates multiple businesses in the mortgage, real estate and securities industries. Rick also spent eight years at RealtyTrac, where as senior vice president he was responsible for marketing, business development and data operations, and won the Stevie® Award for National Marketing Executive of the Year. Before RealtyTrac, Rick developed and executed sales and marketing programs for technology companies such as Fujitsu, JD Edwards, Toshiba, and Hitachi; start-ups like Tickets.com; and consumer brands including Pizza Hut, Acura and Cox Communications.
Rick is a member of the Corporate Board of Governors of the National Association of Hispanic Real Estate Professionals, and was included in Inman News’ Inman 100, an annual list of the most influential leaders in real estate in both 2013 and 2014.
Thomas, as Chief Analytics Officer, is responsible for the data, analytics and decisioning systems in use and under development at Digital Risk. He has over 35 years of related experience at a number of major firms and nationally known organizations. Thomas and his development team leverage the extensive Digital Risk database to create unique and powerful analytics with an extensive focus being placed upon applications that determined the most appropriate, loss mitigating treatment for distressed mortgage loans. Thomasâ€™ experience is complemented with a B.A. in psychology from Rutgers University, a M.A. in statistics and experimental psychology from the University of Virginia, and a M.B.A. from Stanford University.
Until recently, Scott was a managing director in the Newport Beach office, a senior member of PIMCO's portfolio management and strategy groups and head of the mortgage- and asset-backed securities teams. Prior to joining PIMCO in 2000, he was a Senior Managing Director and co-head of MBS pass-through trading at Bear Stearns. He also authored The Daily MBS Commentary there. Scott was named to positions on the Institutional Investor All-America Fixed-Income Research Team, seven times, including first place in MBS pass-throughs and overall MBS strategies. He has 30 years of investment experience and holds both master's and undergraduate degrees in industrial engineering from Stanford University.
Tim Skeet has worked in the City of London for over three decades and has specialised in the funding of financial institutions and mortgages. He is a frequent contributor to the media and a speaker at conferences and industry events. Over the past year Tim has published a number of articles on subjects such as trading and market liquidity, the impact of the bail-in regime as a solution for failing banks, hiring humanities graduates into the banking industry and the future of banking following the crisis.
Tim has spent over half his career working for Wall Street banks and played a role in trying to introduce covered bond finance to the United States. His current employment is as a Managing Director at RBS with responsibility for covered bonds and Northern Europe debt capital markets origination. He is also a board member of the International Capital Market Association, a global trade association that promotes the smooth running of the debt markets in Europe and elsewhere.
As chairman of the Investor Working Group on Bail-in, Tim works closely with investors and regulators in Europe examining the mechanisms for dealing with bank failures in future.
Yves is the creator of the "Naked Capitalism" blog and author of "ECONNED: How Unenlightened Self Interest Undermined Democracy and Corrupted Capitalism." She has spent more than 25 years in the financial services industry and currently heads Aurora Advisors, a New York-based management consulting firm specializing in corporate finance advisory and financial services. Prior experience includes Goldman Sachs (in corporate finance), McKinsey & Co., and Sumitomo Bank (as head of mergers and acquisitions). Yves has written for publications in the United States and Australia, including The New York Times, The Christian Science Monitor, Slate, The Conference Board Review, Institutional Investor, The Daily Deal and the Australian Financial Review. She is a graduate of Harvard College and Harvard Business School.
Vishwanath Tirupattur is a Managing Director at Morgan Stanley responsible for securitized products research and strategy. He has been voted to the Institutional Investor’s AllAmerican Fixed Income Research Team for Structured Securities on multiple occasions. Prior to joining Morgan Stanley in September 2004, he had portfolio management / risk management responsibilities at The Chubb Corporation, American International Group (AIG) and The Lincoln National Corporation, managing interest rate, equity and credit derivatives. He has also been a postdoctoral associate at the University of Illinois and holds a master's degree from Virginia Tech and doctoral degree from the University of Illinois at UrbanaChampaign.
Theodore W. Tozer was sworn in as President of Ginnie Mae on February 24, 2010, bringing with him more than 30 years of experience in the mortgage, banking, and securities industries. As President of Ginnie Mae, Mr. Tozer operates a multi-billion dollar corporation, administer the mortgage-backed securities program, and oversee enterprise-wide risk management initiatives including capital market activity.
Prior to his appointment as President, Mr. Tozer served as Senior Vice President of Capital Markets at the National City Mortgage Company (NCM) for over 20 years. There, his responsibilities included pipeline hedging, pricing, loan sales, loan delivery, and credit guideline exceptions. While at NCM, the company’s annual loan sales grew from $1 billion in 1989 to $106 billion in 2003. During his tenure, NCM never experienced a loss.
Previously, Mr. Tozer served as Vice President and Investment Operations Manager at the BancOhio National Bank from 1979 to 1986. In this capacity, he was responsible for all operational support functions of the bank's bond portfolio and securities dealer. From 1986 to 1989, he was Vice President and Chief Financial Officer of BancOhio Mortgage Company - which later became National City Mortgage - where he was in charge of overseeing loan delivery, pipeline hedging, pricing, corporate accounting, servicing investor reporting, and product development. In this role, Mr. Tozer was instrumental in transforming National City from an "originate and hold" lender to an "originate and sell" lender. In 1988, under his leadership, BancOhio Mortgage originated about $200 million in residential mortgages eligible for sale in the secondary market.
Mr. Tozer has also served as a charter member of Fannie Mae’s National Lender Advisory Board since 2008. Since 2002, Tozer has been a member of Freddie Mac’s National Lender Advisory Board. From 2002 to 2004, he was Chairman of the Capital Markets committee of the Mortgage Bankers Association of America (MBA). While Chairman, Mr. Tozer successfully worked with Ginnie Mae to change the structure of the Ginnie Mae II security. He also significantly influenced MBA’s decision to advocate for the Federal Home Loan Banks, as an effective alternative to Fannie Mae and Freddie Mac. Mr. Tozer also served as a member of the MBA’s Board of Governors from 2002 to 2004, as trustee of the Ohio Mortgage Bankers Association from 1999 to 2001, and as part of the Fannie Mae Midwest Secondary Advisory Group from 1994 to 1999.
Mr. Tozer received his Bachelor of Science Degree in Accounting and Finance from Indiana University. He became a Certified Public Accountant in 1980 and a Certified Management Accountant in 1984.
Colin Wiel is Co-Founder and Chief Investment Officer of Waypoint Homes, a pioneer in single-family rental, with over $1 billion of assets under management. Colin is responsible for strategy, acquisitions, technology, and overall leadership of the firm. Waypoint’s mission is to reinvent the single-family rental experience. Waypoint Homes recently announced a merger with a spinout from Starwood Capital Group, to be named Starwood Waypoint Residential Trust.
Colin has a unique 20-year career with a highly successful track record as engineer, entrepreneur, and investor. He has designed and developed notable software systems, founded several successful companies, and managed highly profitable investment entities focused on public companies, startups, and real estate.
As a Mechanical Engineer out of U.C. Berkeley, Colin worked in a prestigious research group at Boeing, where he invented a new anti-lock braking system for commercial aircraft (two US patents issued), which allows airplanes to stop in a five percent shorter stopping distance on icy runways. In the ‘90’s, Colin founded a software engineering firm, Milo.com, focused on ecommerce software, which he grew to 35 people before selling to a larger technology company. Milo.com co-architected Charles Schwab’s online trading website in 1999, which, at the time, was the largest ecommerce website (by dollar volume) in the world.
Mark A. Willis is a Resident Research Fellow at New York University’s Furman Center for Real Estate and Urban Policy. Prior to joining Furman, he enjoyed a year as a Visiting Scholar at the Ford Foundation, working on issues of community development and financial service reform. Previously, Mr. Willis spent 19 years in community-development banking at JPMorgan Chase overseeing its community development programs and products to help strengthen low- and moderate-income communities. He founded the Chase Community Development Corporation and became executive vice president and head of the Community Development Group with a staff of 250, outstandings in excess of $3 billion, and revenues of $30 million. Over those years, he had responsibility for the development and implementation of innovative lending and investment programs for affordable housing, community economic development, small businesses, and affordable home mortgages; community relations; and corporate oversight of Fair Lending and Community Reinvestment Act compliance. Mr. Willis also served as the President of the Chase Manhattan Foundation from 1998 to 1999.