The National Settlement Services Summit is recognized as the leading live conference in the title insurance and settlement services industry. Each year, we bring the best and brightest to the Summit to educate the industry on proven business models, innovative methodologies, market developments and compliance matters. Our speakers are established, top-notch leaders in their fields and are recognized on international and national platforms.
June 10 Keynote Speaker
Michael Flynn joined Flagstar in March 2013 as general counsel with responsibility for all legal operations. He has spent more than 20 years in legal and financial leadership roles, with a focus on mortgage originations and servicing, major litigation and regulatory matters, and federal refinance programs.
Most recently he served as general counsel for PNC Mortgage, the mortgage division of PNC Bank, N.A. Prior to that he was general deputy general counsel and then acting general counsel for the U.S. Department of Housing and Urban Development (HUD), serving simultaneously as counselor to the board of directors of HUD’s Hope for Homeowners program. He also served as senior vice president and senior counsel for World Savings Bank, where he managed attorneys in the company’s mortgage lending business. Earlier in his career, Michael was vice president and general litigation counsel for Chicago Title Insurance Company, with responsibility for the company’s corporate- and major-claims litigation. He also was in private practice, focusing on commercial litigation.
He is a fellow of the American College of Consumer Financial Services Lawyers and the American College of Mortgage Attorneys. He has served as chair of the American Bar Association (ABA) business law section task force on litigation reform and rules changes, and as a member of the ABA business law section task force on federal preemption of state laws. He also has served as co-chair of the ABA business law section subcommittee on in-house litigation management and chair of the ABA TIPS section title insurance litigation committee, as vice-chair of the ABA TIPS section insurance coverage litigation committee, and as a member of the American Land Title Association claims committee.
June 11 Keynote Speaker
Tens of thousands of people have had their lives transformed through hearing Mark Eaton’s astounding story of triumph and record breaking success. Mark is a business and motivational speaker who shares with organizations and audiences nationwide how he went from a 7’4” twenty-one year old mechanic who couldn’t play basketball to a 12-year career as an NBA All Star with the Utah Jazz. In Mark’s high energy, action-packed presentations he explains the philosophy, principles and techniques that enabled him to take it to the top, winning again and again and making history in the NBA. He reveals the secrets that skyrocketed him to fame as the Two-Time Defensive Player of the Year, enabled him to break the NBA record for the most blocked shots in a single season and be selected to play in the 1989 All-Star Game.
After his career with the Jazz, Mark went on to success after success in the competitive world of business as an entrepreneur and leader, helping others achieve their personal and professional best. From 1994-2005, he was the chairman of the Mark Eaton Standing Tall for Youth Organization which provided sports and outdoor opportunities to more than 3,000 at-risk children. Then in 1997, Mark entered the entertainment arena, where for eight seasons he hosted Jazz Tonight on KJZZ-TV and Mark Eaton Outdoors, as well as SportsHealth Today, an internationally syndicated radio show. In 1996, Mark initiated another successful venture; opening the award winning restaurant, Tuscany and in 2005 Francks; home of acclaimed Chef Franck Piessel. Currently, besides speaking and facilitating teambuilding and leadership programs, Mark is writing a book about the “Four Commitments of a Winning Team” and is the subject of a soon to be released feature film.
Speakers for the 2014 Summit
Marc Aronson began his career at the Pennsylvania Association of Notaries (PAN) in 1972. Under his leadership, the nation’s first state notary association has grown to more than 39,000 members. He has been an expert witness regarding the functions of the notary public. Additionally, he has worked with the Pennsylvania Secretary of the Commonwealth in reviewing and drafting legislation to further improve the notary profession. A major aspect of this legislation gave the Pennsylvania notary public the ability to act as an electronic notary.
Marc is a long time member of the Property Records Industry Association (PRIA) and currently the business sector co-chair of a work group within PRIA that is studying the adoption of eNotarization. Marc has also been involved with the Mortgage Industry Standards Maintenance Organization, the Organization for the Advancement of Structured Information Standards, and the ABA Legal XML eNotary Technical Committee.
He has participated in the National Association of Secretaries of State Notary Public Administrators Committee for more than a decade, providing valuable insight and experience to those who appoint and oversee notaries public in the United States. Marc was an active participant as an official observer of a drafting committee of the Uniform Law Commission. The resultant work, titled, the Uniform Real Property Electronic Recording Act, has been adopted by a number of states. He also initiated the recent ULC uniform law, the Revised Uniform Law on Notarial Acts. Marc served in the Armed Forces, seeing action in Vietnam, and subsequently attended the Rochester Institute of Technology in Rochester, N.Y.
Jeffrey A. Arouh, one of the nation’s leading RESPA and settlement services attorneys, is a partner in the New York City office of McLaughlin & Stern LLP.
Chris Black’s vision for Winged Foot Title is to create a profitable and replicable enterprise that will succeed in any market. He is committed to crafting experiences that are comfortable for consumers and that enhance the businesses of real estate professionals through satisfied, repeat clients and enthusiastic referrals.
Chris received a Bachelor of Arts degree from the University of Wisconsin – Madison and a Juris Doctor from the Catholic University of America Columbus School of Law. He has contributed to the Coconut Point Press and has been featured in industry publications. Chris was recognized in the 2010 Gulfshore Business 40 Under 40 and the 2010 GulfCoast Business Review 40 Under 40.
Brian Benson is chief executive officer of ClosingCorp, a leading provider of residential real estate closing cost data and technologies for mortgage lenders, real estate professionals and consumers. Brian is responsible for overseeing the company’s daily operations and long-term strategic direction.
Brian’s expertise spans many facets of the mortgage industry including title, lending, commercial and residential real estate brokerage, vendor management, appraisal and secondary market operations. Prior to joining ClosingCorp, Brian spent 16 years with CoreLogic, Inc., where he built award-winning teams with a consistent record of sales overachievement and revenue growth. During his tenure at CoreLogic, he helped execute and integrate large-scale acquisitions of Transamerica Intellitech, Basis100 and several other businesses. He also helped drive product development for marketing, market share, risk mitigation and ecommerce in the title and mid-market lending segments.
Brian began his career as a regional sales manager at USA Today and later was a manager of national accounts at United Parcel Service. He is a graduate of the U.S. Coast Guard Academy and held several executive and leadership roles within the Coast Guard in Hawaii, Alaska, France, Japan and West Africa.
Dama Brown is the regional director of the Federal Trade Commission’s Southwest Region, which covers Arkansas, Louisiana, New Mexico, Oklahoma and Texas. As regional director, Dama oversees litigation involving unfair or deceptive acts or practices or rule violations in a variety of industries, including automobile and home financing, consumer credit, debt collection, mobile technologies and telemarketing. She also speaks to business, industry, media and consumer groups about consumer protection issues and regulation.
Prior to becoming regional director, Dama was a staff attorney with the FTC. In that role, she brought regulatory enforcement actions against debt collectors, mortgage relief service providers, mortgage brokers and precious metals dealers and received the FTC’s Paul Rand Dixon and Janet D. Steiger awards for excellence. Dama joined the FTC in 2006 after spending 10 years in private practice in metro Detroit.
William Burding Jr. joined Orange Coast Title Company and its family of companies in 1998 and serves as its executive vice president and general counsel. In addition to his legal responsibilities, he is a member of the company’s executive committee and oversees its Nevada companies in Las Vegas and Reno, which are among the state’s largest providers of title-related services. From 1993 to 1998, he was the chief operating officer and general counsel for National Title, an underwritten title company in Denver specializing in large multi-state commercial transactions.
William is a member of the American Land Title Association’s Board of Governors. He serves on the association’s Abstracters and Title Insurance Agents Section Executive. He’s also active in numerous state land title associations, including the California Land Title Association — where he was awarded the 2010 President’s Award for outstanding contribution to the California title insurance industry.
In addition to industry related organizations, William sits on the Board of Directors of the Alzheimer’s Family Services Center, one of the finest facilities of its kind caring for those suffering with dementia. He graduated cum laude with a bachelor’s degree in political science from Whittier College and received his juris doctorate from Loyola Law School-Los Angeles. A frequent lecturer and author in various publications, William is licensed to practice law in California and Colorado.
Chuck Cain is senior vice president, agency manager, Midwest, for WFG National Title Insurance Co. Chuck has been in the title insurance industry since 1977. He is a graduate of The Ohio State University and the Salmon P. Chase College of Law at Northern Kentucky University. He is admitted to practice in Ohio and Kentucky, several federal district courts and the U.S. Court of Appeals for the 6th Circuit. He is former chair of the Real Property section of the Cincinnati Bar Association, a former director of the Cincinnati Mortgage Banker’s Association and a recipient of a special citation from the U.S. Department of Housing and Urban Development concerning Fair Housing Best Practices.
A native Cincinnatian, Chuck has been a licensed title insurance agent for over 25 years and was an owner-operator of his own agency for 18 years. He has spoken before the American Land Title Association, Ohio Land Title Association, the Indiana Land Title Association, the Michigan Land Title Association, the Missouri Land Title Association, RESPRO, the National Settlement Services Summit, Title Radio, and numerous other groups and classes on the topic of title insurance and compliance. He is also the president of consulting firm Alliance Solutions, LLC.
Paul Doman currently serves as a president and chief executive officer of Accurate Title Group, LLC and the president and a member of the board of directors of Accurate Group Holdings, Inc. Paul has 19 years of national title insurance, valuation and mortgage lending experience. He has extensive sales and operational experience managing national settlement service operations focusing on all aspects of the real estate lending industry.
Paul also is a member of the board of directors of Optima Lender Services, a minority-owned settlement services business, and a member of the Evolution Capital Partners Advisory Board. He previously served as president of First American Title Insurance Company’s Equity Loan Services Division, where he led a team of 500 employees and developed creative product solutions for the home equity industry. He began his career with First American in 1995 working as a corporate and title attorney.
Paula Franks is president of the Escrow Institute of California which is a statewide trade organization representing California independent licensed escrow companies.
Paula has achieved the Professional Designation of Certified Escrow Officer from the California Escrow Association and is a member of the Long Beach Escrow Association and American Escrow Association. Paula has served as a director for the Orange County Escrow Association where she held the positions of secretary, education chair and first vice president. She joined the board of directors of the Escrow Institute in 2009 and has held the position of education chair for three consecutive years. Paula also co-chaired the Conference Committee putting together programs of current industry information and education for their members. Paula became president of the Escrow Institute in 2013 and will service in that capacity until the end of this year. She is also a member of the Escrow Advisory Committee which meets quarterly with the California Department of Business Oversight. This committee provides direct communication to the Department where concerns and industry-related topics can be discussed with the state regulator.
Paula opened Discovery Escrow Company in Huntington Beach, California in 1988 and severed as vice president until 2011 when Discovery Escrow merged with Advantage One Escrow, where she currently manages a staff of 18. Paula has in excess of 35 years experience in the processing of escrows. She is well versed in the various aspects of the escrow industry, keeping abreast of pertinent laws and procedures within the escrow profession as well as in other real estate related industries. In addition to resale, commercial, investment, REOs and short sales, her background also includes complex transactions such as land trusts and holding escrows. Paula also managed JCS Service Exchange, Inc., an Accommodator Company for 1031 Tax Deferred Exchanges, for 15 years.
Matthew Froning is the chief information officer of Security Compliance Associates (SCA) and a TS-SCI cleared Information Technology/Information Security specialist with extensive experience. In the U.S. Air Force, as both an active duty member and federal contractor, Matt led technical assessments, evaluations and integrations of multiple complex Network Warfare products, identifying shortfalls, gaps and capabilities critical to the Air Force’s network operation mission. A former commissioned USAF officer, Matt was a federal agent and the chief of Computer Investigations & Operations for the Air Force Office of Special Investigations, where he was responsible for investigating, managing and directing the investigation of computer related criminal, counterintelligence, counterespionage, fraud and undercover matters.
After active duty, Matt was the regional manager, Cyber Operations Division, for ManTech International Corp., where he led the daily operations of a nearly $8 million government contract, while also conducting vulnerability assessments for several Fortune 500 corporations and providing critical information on vulnerabilities and solutions to ensure the integrity and security of their networks.
Chris Gulotta is the founder of Real Estate Data Shield (REDS) and was one of the very first to speak to our industry on the need for data security compliance. REDS is the first industry-specific company to provide title and settlement companies with security compliance tools through its Compliance Management Platform that provides our industry with: (i) Security Policy templates; (ii) award-winning staff training courseware; and (iii) security-assessment compliance tools, to help ensure compliance with the applicable federal and state laws, rules and regulations regarding data security. Fidelity National Title Group and other leading national title underwriters have named REDS as their Preferred Vendor for Data Security Compliance.
Chris possesses a truly unique combination of sophistication in lender service-provider needs, regulator expectations and data security compliance obstacles and solutions. Chris has represented the leading institutional lenders in mortgage finance transactions for nearly 20 years and has been a thought leader in addressing the most essential needs of lenders. He has served on the board of directors and executive board of leading mortgage industry associations and speaks at the leading industry conventions (ALTA, NS3, etc.), on issues critical to the title and settlement industry, including industry Best Practices, data security compliance and lender liability for their service providers.
Chris is a graduate of Fordham Law School. He has served as a continuing legal education faculty member at Fordham Law School, Pace Law School, the Association of the Bar of the City of New York and the New York State Bar Association. He has been a featured columnist for and interviewed for articles in: The New York Law Journal, The National Law Journal, The Title Report; The Legal Description; Valuation Review, etc., on topics including: data security compliance for title and settlement companies; privacy law; title escrow funds; RESPA reform; and new media and Internet law.
Martin J. Hazen is commercial lines manager for the Kansas Insurance Department. He has worked in the Department’s Property & Casualty Division since 1995, where he oversees title insurance and numerous other commercial lines of insurance.
He represents the commissioner on the National Association of Insurance Commissioners Title Insurance Task Force, where he is co-chair of the Consumer Shopping Tools (C) Working Group and served on the Escrow Theft White Paper (C) Subgroup. Martin is currently serving a third term on the board of directors for the Insurance Regulatory Examiners Society and is chair of the Property & Casualty section.
Martin has a Bachelor of Science degree in transportation/distribution management from Niagara University in Lewiston, New York. He is a native of Niagara Falls, New York.
Richard is a partner at Dentons US LLP, in the firm’s Capital Markets practice. He joined the firm from the Consumer Financial Protection Bureau (CFPB), where he served as senior counsel and special advisor in the Office of Regulations. At the CFPB, Richard led the final rulemaking for the integrated disclosures under the Truth in Lending Act and the Real Estate Settlement Procedures Act. He also led the CFPB’s design of the proposed integrated disclosures as well as the qualitative and quantitative consumer testing of the disclosures.
Richard advises clients on all state and federal regulatory compliance matters for consumer lending, including residential mortgage loans. He focuses on regulations issued by the CFPB, as well as other federal financial and banking regulations, state high cost lending laws and state licensing laws. He also advises clients on CFPB investigations and enforcement actions.
Prior to joining the CFPB, Richard was a senior attorney at the U.S. Federal Deposit Insurance Corporation (FDIC) in New York. At the FDIC, he supported the agency on both consumer compliance and risk management matters.
George Houghton serves as group president, agency operations for Stewart Information Services Corporation. With more than 38 years of title industry experience, Houghton is responsible for Stewart’s independent title agency network across the United States, in addition to Stewart Vacation Ownership.
Houghton has experience in the areas of abstracting, title examination, underwriting, closing, title policy preparation, accounting, branch office management, company management, claims handling and as agency services manager, servicing and supporting independent title agencies. Prior to becoming group president, Houghton was executive vice president, agency services group, Stewart Title Guaranty Company. Houghton has also served as senior vice president and national agency services director of Stewart Title Guaranty Company and district agency manager for South and West Texas for Stewart Title Guaranty Company from 2000 to 2005.
From 1984 to 1996 Houghton was president of Fort Bend Title Company and its subsidiary, Citizens Title Company, which were both independent title agents in the Houston area. Houghton graduated from the University of Houston with a Bachelor of Business Administration, received his Master of Business Administration from Houston Baptist University, and has been a licensed real estate broker in Texas since 1980.
Mitchel Kider is the chairman and managing partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 32 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the United States Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices.
Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2013) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2013).
Richard Koss is director of economics in the Economic and Strategic Research Group at Fannie Mae. In this leadership role, Richard provides strategic insight to the company’s economic, housing, and mortgage market forecasts and analyses and serves as a company thought leader internally and with external constituent groups. Richard is an important source of information and commentary and a key spokesperson on the external business, economic and housing environment.
Prior to joining Fannie Mae, Richard spent more than 20 years in senior positions on Wall Street, most recently as senior vice president and director of Global Investments at Brown Brothers Harriman (BBH). In this role, he had primary responsibility for investment strategy across a wide variety of institutional and wealth management clients. He served as a central spokesperson on economic and capital market developments at BBH, the largest and oldest private bank in the U.S. Prior to joining BBH in 1998, Richard worked as senior advisor to the General Motors financial staffs in New York, providing economic and market analysis to the firm’s top management. Prior positions include staff economist at the Council of Economic Advisers under Chairman Alan Greenspan.
Richard is past chairman of the Conference of Business Economists and a member of The Economic Club of New York. He is a frequent speaker on global economic outlooks and market conditions. He received a Ph.D. in economics from the University of Pennsylvania and a Bachelor of Science degree in mathematics and statistics from Case Western Reserve University.
Noerena Limón is a policy analyst at the Consumer Financial Protection Bureau (CFPB) in the Office of Research Markets and Regulations and is the project lead for the Know Before You Owe, Closing Time Initiative. Throughout her 2-and-a-half years at the CFPB, Noerena has worked in the Office of Director Richard Cordray, the Office of Mortgage Markets and the Office of Liquidity Lending, focusing on mortgage and small dollar lending policy.
Prior to her work at the CFPB, Noerena served various branches of the federal government including The White House and the Office of U.S. Representative Xavier Becerra. Noerena received her Bachelor of Arts degree from the University of California, Berkeley and received a Master in public policy with an emphasis in economic policy from the Harvard Kennedy School of Government.
Jill spent 23 years in the banking industry specializing in financial aid (student loans) before she became president of Columbia Title (formerly Tippecanoe Title) in Lafayette, Indiana in 2001. She had two former joint venture title agencies with builders and Realtors in the mid-2000s.
Jill has developed a short sale program that specializes in negotiating liens on behalf of sellers. She has also created a life insurance referral program as a way for every title agent to boost revenues. She is a member of the American Land Title Association’s Membership Committee.
Dan Miller founded RightNow in 1997 after a successful 10-year executive career in the title insurance, mortgage lending and real estate industries. Having worked with over 350 clients nationally, including eight of the 10 largest publicly traded real estate related firms in the country, RightNow has become the market leader in leadership outsourcing, consulting, coaching and education.
Dan is a published author and highly regarded keynote speaker, having delivered speeches on the subjects of sales, management and leadership at more than 220 real estate industry events nationwide. He has operated as a C-level interim leader at some of the largest real estate companies in the world and has coached over 300 senior level executives and entrepreneurs to advance their companies and their careers. Among other recent engagements, he has held the position of CEO, COO or president of companies and/or divisions owned by Berkshire Hathaway, Prudential Real Estate and Summit Funding, in addition to his current consulting role supporting revenue growth and sales strategy for First American Title Insurance Company’s Agency Division.
Nick began his career as a document puller in the title plant almost 31 years ago. Looking for a more exciting career out of the title plant, he transferred to the escrow department. He has held the positions of branch manager, escrow manager, operations manager and division manager. Currently, he is the director for First American’s Eagle University where he teaches and writes curriculum. Nick is a past president of the Nevada Escrow Association and has been a member of the American Escrow Association for over 20 years. The American Escrow Association recently held their annual education conference in Denver, Colorado where Nick was installed as the president serving the 2014-2015 fiscal year.
Joe Piernock is the president of Corporate Development Services (CDS). CDS specializes in business valuation and expert testimony for the title insurance industry, and has completed over 500 valuations for all sizes of title agencies, insurers and plants. In addition to business valuation, Joe tackles those projects whose circumstances require advanced analysis.
Prior to consulting, Joe spent 20 years with ARCO, where he conducted dozens of large and complex “buy” and “sell” valuations. The total value of these analyses totaled many billions of dollars over all sorts of industries and jurisdictions. Joe also held positions in marketing, finance, business development, manufacturing, governmental affairs and engineering, which explains his “all business” approach to valuation. He holds a Master of Business Administration degree from the Wharton School at the University of Pennsylvania, a Master of Science degree in engineering from Carnegie Mellon and a Bachelor of Science degree in engineering from Villanova.
John Ralston is a founder and vice president of Product Development at Medallion Analytics. John has worked in the settlement service industry for 15 years, holding many operational roles, most notably managing post-closing operations for Fidelity National Financials National Division.
During his tenure, he developed products and services that improved productivity and mitigated risk between settlement service providers and lenders. One of those products, Closing Stream, was the first viable web-based closing solution in the marketplace. In 2010, John founded Medallion to bridge the gap between lenders and settlement service providers. Medallion provides powerful yet easy-to-use tools to control the lending process ensuring quality and compliance across all parties in a mortgage transaction. John studied Aerospace Engineering at West Virginia University.
Wells Fargo Home Mortgage
Penny Reed is vice president, Industry Outreach at Wells Fargo Home Mortgage. A 30-year veteran of the mortgage industry, Penny has been with Wells Fargo for 24 years in various positions including underwriting, credit risk management, capital markets, agency relations and strategic partner management.
Bill Risser is vice president, New Media and Education for Chicago Title Agency in Phoenix, Arizona. After managing a successful residential and commercial branch for 10 years, Bill was promoted to this role in March 2011. Bill assists local real estate professionals by teaching them how to use social networks and technology tools effectively and efficiently.
In addition to working with local brokerages and lenders, Bill has presented for the National Association of Realtors, the Arizona Association of Realtors, the Land Title Association of Arizona, and multiple Realtor boards in Arizona. He is also an ambassador for Inman News’ Real Estate Connect Conferences in San Francisco and New York. Bill is a graduate of The College of Liberal Arts and Sciences at Arizona State University.
Andre’ is a search and social marketing specialist who has earned certification through Google’s AdWords Program, Marketing Sherpa’s Landing Page Optimization Program, WSI’s Advanced Internet Marketing Program as well as the Search Engine Academy. He works with clients in the areas of marketing strategy, search engine optimization (SEO), pay per click (PPC) marketing and social media technology. Andre' has learned this set of digital marketing skills as a result of working on more than 50 projects over the last year as well as his advanced training and certifications.
Andre’s background includes 14 plus years in the mortgage industry. He is highly qualified to train mortgage and real estate professionals on how to use digital marketing to grow their businesses. He helps business professionals move from “old school” face-to-face style marketing to the newer technology-based digital/social selling strategies.
One of the nation’s most widely respected and most recognized RESPA attorneys, Phil Schulman’s national practice focuses on real estate finance and mortgage banking, with specialties in the Real Estate Settlement Procedures Act, Truth in Lending Act and administrative and regulatory compliance matters.
He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters; defends companies in connection with governmental audits, investigations and enforcement proceedings; develops and analyzes proposed business plans, and drafts the related agreements and disclosures, based upon applicable federal and state laws, regulations and rules; and assists in litigation involving consumer class action lawsuits and commercial claims.
Phil is the former general counsel to the Home Improvement Lenders Association and was the former assistant general counsel of the Inspector General and Administrative Proceedings Division, U.S. Department of Housing and Urban Development.
Mary Schuster serves as vice president of Legislative Affairs at RamQuest, Inc., the nation’s leading title and settlement software provider, and also as president of op2, a technology company that hosts cloud-computing solutions for title companies across the nation.
Mary’s 20 years spent in the real estate and title industries include experience in residential and commercial settlement services, agency management, marketing, employee training and software implementation. Recognizing the impact the 2010 RESPA Reform Regulation would have in the industry, Schuster became an early expert on this legislative milestone and set out to educate the industry on the RESPA changes and help RamQuest customers identify and maximize opportunities presented by the new rule.
Schuster currently serves on the American Land Title Association’s RESPA Implementation Task Force as well as the association’s Government Affairs Committee.
Paula-Rose (P-R) assists Promontory clients with regulatory and compliance issues, focusing on consumer financial services. She was one of the first employees at the Consumer Financial Protection Bureau, from which she joined Promontory. She worked in the bureau’s regulations office, where she helped lay the foundation for statutory rulemakings on mortgage disclosures, mortgage servicing and high-cost mortgages.
She was also an enforcement attorney at the bureau and investigated practices related to mortgages, credit cards and prepaid cards. She helped develop and monitor the implementation of the examination-support function performed by the bureau’s enforcement attorneys, and participated in examinations of marketing practices, disclosures, loan-originator compensation, debt collection, vendor management and fair lending at various bank and nonbank institutions. Additionally, on behalf of the director’s office, P-R helped guide a strategic-planning process to define the bureau’s policy priorities. She worked with nearly all of the bureau’s senior leadership, and was the principal author of several publications.
During P-R’s tenure at Promontory, she has conducted UDAAP risk assessments across a full suite of consumer products and services for the U.S. arm of a leading global bank and advised a U.K. company regarding consumer protection risks related to a U.S. affiliate that sold credit card add-on products on behalf of a variety of card issuers. She has also performed comprehensive evaluations of the complaint management programs for a large U.S. consumer-services company and a large regional bank. She has also helped an early-stage mobile-payments company develop a compliance risk management framework to meet the requirements and expectations of its bank partner. P-R earned a Bachelor of Arts degree from Princeton University, a master’s degree from the University of Oxford and a law degree from Harvard University.
Marvin Stone holds the position of senior vice president of business integration and currently serves as the CFPB program manager for Stewart. Since joining Stewart in 2007, Marvin has overseen a wide variety of technology and process improvement initiatives, all designed to better support Stewart’s network of Trusted Providers.
Prior to joining Stewart, he served as chief information officer for a large, West Coast title agency, as well as holding customer-serving technology positions with other national underwriters. Previous to entering the title industry, Marvin was in a management role for a national mortgage lender.
Pat has enjoyed a lengthy career in real estate and real estate related services, including “C” officer positions with three public companies and as a director on two Fortune 500 boards. The senior executive management positions included nine years as president and chief operating officer of the nation’s largest title insurance company, chairman and co-chief executive officer of a software company and chief executive officer of a real estate data and information company.
Pat also served as vice-chairman of Metrocities Mortgage, a 2005 top 20 mortgage lender, and as chairman of The Stone Group, an Austin, Texas-based tenant-rep brokerage company. Additionally, Pat served on the boards of World Minerals, DigitalMap, Homegain, RedVision, Wystein Capital and Inman News, who named him one of 2013’s “100 Most Influential People in Real Estate.”
Pat’s philanthropic involvement has included service as chairman of the Santa Barbara Art Museum and as a director of the Portland Art Museum. Currently, he is the chairman of the Oregon State University Foundation, and co-chair of its Billion Dollar Capital Campaign. Pat resides in Portland, Oregon with his wife, Vicki, and youngest daughter, Samantha.
Michael Tafoya is chief executive officer for Title365 Company (formerly Advantage Title, Inc.). Michael is the driving energy behind the company’s emergence as a nationwide title insurance company and settlement services technology innovator. Since its inception in 2009, Title365 has grown into one of the fastest growing private companies, per the Orange County Business Journal, with offices in Arizona, California, Florida, Pennsylvania and Texas. Licensed in 38 states with more than 30 direct operations, the company was recently ranked one of the largest independent title agents in California and also does business as Title365 in Florida and Texas, as Title365 Agency in Arizona, and Title365 Agency of New York in New York.
With more than 31 years of expertise in the title insurance industry, Michael’s extensive experience is weighted in award-winning title industry sales, marketing and operational leadership, coupled with considerable knowledge of the technical aspects of title insurance and escrow settlement services. Additionally, he possesses a unique understanding of technology applications, and their potential integration into the title insurance and escrow settlement services industry. In addition to the impressive expansion of Title365, Michael has played a key role in the establishment of two sister companies, X1 Labs and X1 Analytics, that develop and market innovative technology along with marketing and analytical solutions to the title insurance, settlement services, financial and real estate industries.
Prior to becoming the CEO of Title365, Michael served as executive vice president, with a national underwriter in Southern California. Previously, he has held executive-level positions at several other national and regional underwriters.
Brian Twibell is one of the original investors and co-founders of RedVision. Brian was instrumental in creating the business plan that is the foundation for RedVision’s success. He assumed the role of chairman and managing director in 2002, focusing most of his attention on strategic planning and business development. Brian assumed the position of chief executive officer in 2006 to lead RedVision’s rapid growth as an independent provider of technology-enabled solutions for the real property marketplace nationwide.
Previously, Brian was president and chief executive officer of Microbank Software, a firm he founded in 1984. Microbank grew to 200 employees with major divisions in New York, London and Singapore, and satellite sales offices in Amsterdam, Sydney, Tokyo and Zurich. By 1999, Microbank had over 1,100 systems installed in more than 30 countries. Its customers included 60 of the world’s top 100 financial services organizations. SunGard acquired Microbank in 2000. After the acquisition, Brian served as SunGard’s managing director for Strategic Acquisitions. Prior to Microbank, Brian spent two years running sales and marketing for a software company focused on banking applications. He started his career in banking operations with Manufacturers Hanover Trust (now JP Morgan Chase).