This is a past event. To see the list of our current events, please click  HERE
7:25 AM Eastern Time
Registration and Breakfast for All Small Group Meeting Attendees
7:40 AM Eastern Time
An Introduction to MSR Product Dynamics… Correlation, Volatility, Interest Rate Changes & Performance
  • Rates, rate expectations vs. consumer behavior
  • The hidden flow activity 
  • How much mortgage rate volatility do you need to get MSR spread widening?
  • TBA & MSR basis risk correlation when there is market volatility
  • How much of a MSR price is determined by volatility?
  • Liquidity impact 
  • Runoff and decay 
  • Recapture expectations 
  • Counterparty considerations
  • Acquisitions/Dispositions and performance

Brian Stewart

Managing Director
MountainView Capital Group
8:15 AM Eastern Time
Registration and Breakfast for All Attendees Courtesy Of:

8:30 AM Eastern Time
State of the MSR Market… State of the Industry, Regulatory Pressures, Capital & Profitability
  • Future Fed tightening… What would be the industry impact?
  • Increasing your revenue: What are your best options today?
  • What are the challenges of different MSR investment models going forward?
  • Regulatory capital impact 
  • Where is capital inflow coming from? Where is the volume going? 
  • Rate of return, lending rate and leverage’s influence 
  • Rise of private label securities and its affect 
  • Cost drivers… Where are they going? 
  • RMBS 3.0 initiatives
  • What the US Treasury Department and other Federal regulators are doing 
  • Housing finance market dynamics
  • What are the key drivers of valuation today?
  • What’s on the horizon with Freddie, Fannie & Ginnie

Matt Maurer

Managing Director
MountainView Financial Solutions, LLC

Lee Smith

EVP/ President of Mortgage
Flagstar Bank

Jeffrey Levine

Managing Director/Co-Head of FIG
Houlihan Lokey

Thomas Piercy

Managing Director
Incenter Mortgage Advisors

Matthew Jozoff

Managing Director
JP Morgan Securities LLC

Anup Agarwal

Head of Securitized Products
Western Asset Mortgage Capital Corp
9:15 AM Eastern Time
Origination/Product Development/Trends in Consumer Credit and their Impact on MSR
  • Mortgage supply/demand… Where is it going?
  • How is home equity looking? 
  • Impact of TRID on production costs 
  • HMDA requirements 
  • Are you going down the credit quality spectrum to increase volume? What will be the impact on defaults? 
  • Home value, debt consolidation and consumer spending impact
  • Can Ben Bernanke now get a mortgage? 
  • 3% down programs… How are they going?
  • The latest on millennials
  • Non-agency market issuance and performance update
  • Gain on sale margins
  • Fannie loan-level price adjustment

Bose George

Managing Director
Keefe, Bruyette & Woods

Edward Pinto

Director & Chief Risk Officer
American Enterprise Institute

Chris Mayer

Chief Executive Officer
Longbridge Financial

Peter Brown

Managing Principal
PMB Financial Services, LLC

Patrick Tadie

Senior Vice President of Global Capital Markets
Wilmington Trust
10:00 AM Eastern Time
Economics of Retaining MSR
  • Now that it is getting more costly to retain MSRs is it still worth it? 
  • What kind of performance are you expecting? What are the capital and non-capital costs? 
  • The Funding side…
  • Liquidity risk 
  • Interest rates expectations-Are they already in the price?
  • Retaining for the short-term

Hakan Beygo

Senior Director
Freddie Mac

Mike Ondrovich

Senior Vice President-Capital Markets
Highlands Residential Mortgage

Michael Carnes

Managing Director

Wayne Liu

SVP, Secondary Marketing
Royal Pacific Funding
10:45 AM Eastern Time
Networking and Refreshment Break Courtesy Of:

11:10 AM Eastern Time
The Regulatory View… Evaluating Key Consumer-Facing Issues
  • What is your role in protecting the consumer? 
  • Capital requirement changes and the latest on Basle III 
  • Compliance with new servicing rules: What is being looked at?
  • Disclosure concerns 
  • TRID and HMDA points of clarification 
  • CCAR reporting requirements
  • OCC consent orders on MSR
  • The CFPB Mortgage Servicing Rules and Guidance on Servicing Transfers
  • Drafting sales agreements 
  • Issues raised by enforcement actions
  • Which regulations have been tricky to comply with on transfers?
  • Changing the 10% MSR cap-Where is it going?

Jon Langlois

Buckley LLP

Rachel Rodman

Counsel, Financial Services
Arnold & Porter

Diane Thompson

Managing Counsel, Office of Relations
Consumer Financial Protection Bureau

Justin Wiseman

Director of Loan Administration Policy
Mortgage Bankers Association

Greg Walker

General Counsel
Towne Mortgage
11:55 AM Eastern Time
Why Are You in This Space? What is Your Strategy? How do You Evaluate MSR/Mortgage Relative Value
  • How has your market participation differed from the past? 
  • Do you securitize? 
  • Do you like excess servicing rights?
  • Lessons learned when borrowers refinanced 30 year fixed mortgages at 4% 
  • Buying MSR vs. Equity 
  • Pricing vs. Rates 
  • Duration hedging strategies
  • How much value can you create as an investment platform with origination?
  • Why would you leave this space? 
  • How much MSR is too much MSR? 
  • What type of margins are you seeing? 
  • Purchasing re-performing pools vs. distressed
  • Rate environment impact 
  • Comparing vs. Mortgage, fixed income and other alpha generating strategies
  • MSRs vs. IOs vs. Whole loans
  • Newer vs. Aged; Agency vs. Non-Agency MSR
  • Return on investment vs. Return on equity

Philip Laren

Director MSR Services
MCT Trading Inc

Larry Goldstone

President-Capital Markets & Lending
BSI Financial

David Akre

Managing Director
Five Oaks Investment Corp.

Jeremy Prahm

Managing Director

Eric Rosenzweig

Stone Point Capital LLC

Kenneth Adler

Managing Director
Structured Portfolio Management
12:40 PM Eastern Time
Valuing Servicing and Measuring Operational & Compliance Costs
  • Cost of single point of contact 
  • Impact on cost and value of servicing on your returns
  • How much does subservicing save?
  • Mitigating risk 
  • Acquired vs. self-generated loans 
  • How much is it costing for the necessary technology and process enhancements to ensure compliance with the new guidelines? How much will some of the proposed laws cost?
  • Legacy vs. new asset cost 
  • Non-paid reimbursements 
  • Role of national servicing standard in cost level 
  • Collateral considerations

Jorge Carvallo

Vice President
Banesco USA

Andrea Riche

Chief, International Affairs

Darrell van Amen

EVP, Chief Investment Officer & Treasurer
HomeStreet Bank

Adam Krahn

Vice President
Quicken Loans
1:25 PM Eastern Time
Luncheon is Served for All Attendees
Luncheon Roundtable Discussion Option: During the first morning of sessions all can sign up for these informal discussions on the following areas Legal/Regulatory, Mortgage Investment/Trading, Risk Management/Modeling/Valuation, Servicing, Capital Markets 
2:25 PM Eastern Time
Consumer Prepayments…Collateral Valuation, Performance Measurement & Interest Rate Impacts on MSR
  • How much has prepayments driven value historically? 
  • Is the latest refinancing wave finally over?
  • Prepayment speeds-Where were the surprises? Where will be next year’s surprises?
  • Rate raises… A historic prepayment look
  • Impact on amortization and MSR yields
  • Building a portfolio with stable prepayment speeds
  • Geographic considerations 
  • Level of prepays on newly-bought MSRs 
  • What do you think the CSF collateral model doesn’t account for?
  • Impact of change in FHA mortgage insurance premium

Ryan Bolger


Jorge Carvallo

Vice President
Banesco USA

Scott Buchta

Head of Fixed Income Strategy
Brean Capital

Brian Ye

Managing Director
JP Morgan Securities LLC

Adam Rilander

Portfolio Manager
Mariner Investment Group, LLC
3:10 PM Eastern Time
Taking Servicing In-house vs. Outsourcing, Choosing Your Servicer, Servicer/Investor JV Structures & Regulatory Oversite Issues
  • How do you evaluate management teams?
  • Transparency best practices
  • Timeliness of servicing transfer and exception resolution 
  • Monitoring obligations
  • What is your backup plan? 
  • Managing regulatory hot points and vendor management best practices 
  • Technology and process evaluation 
  • Fees and cost 
  • Making sure you are on the right side of forced placed insurance
  • Foreclosure timeliness 
  • Pricing advances 
  • Expenses vs. fees 
  • When are you willing to risk some of your fees to align servicing with investors?
  • GSE servicer liability for origination defects… Structure the direct liability to the GSE and who pays compensatory fees?
  • Prime vs. sub-prime; QM vs. Non-QM

Chadwick Hoyt

Mayer Brown LLP

Gagan Sharma

President & CEO
BSI Financial Services

David Allison

Senior Vice President
Dovenmuehle Mortgage, Inc.

Charles Beveridge

Vice President/Associate General Counsel
Prospect Mortgage, LLC

Thomas Walsh

Executive Vice President
Rushmore Loan Management Services, LLC
3:55 PM Eastern Time
Valuation… Economic vs. Fair Value Measures & Other Issues
  • Fair vs. lower cost of market 
  • Booking an impairment vs. improvement
  • Loan accounting, reporting and valuation standards
  • Influence of IO valuations
  • How much has all the regulation impacted value?
  • Excess spread, advances & reverses valuation complexities 
  • OAS vs. Static methods
  • Model seasoning 
  • How aggressive can you be with your valuation?
  • Don’t forget state escrows
  • Leverage impact 
  • How much does incomplete data cost?
  • Bulk deals 
  • Rights tied to VA loans 
  • Valuing counterparty risk

Mark Garland

Managing Director-Analytics
MountainView Servicing Group

Jonathan Harris

Transparent Analytics

Michael Carnes

Managing Director
4:40 PM Eastern Time
Networking and Refreshment Break Courtesy Of:

4:55 PM Eastern Time
Servicing Transferor/ee Risks, Risk Management & Best Practices
  • TRID & what you need to know 
  • Negotiable points 
  • Bid letters, purchase & sale agreements 
  • Transfer instructions… Where do they usually go wrong? 
  • Reconciliation
  • Filling data gaps 
  • Compliance issues
  • Upfront work needed
  • Boarding/off-boarding procedures 
  • Reconciling data and numbers 
  • Time involved to get it right 
  • What are some of the common problems that you’ve faced? What are the solutions, up front?
  • GSE best practices 
  • Notification of interested parties 
  • Obtaining & dealing with outstanding documents
  • Integrating disparate systems 
  • Loss mitigation
  • Reps and warranties
  • Insurance issues 
  • What should be included a post-closing follow up?
  • Risks… Identifying & monitoring best practices
  • What to do about data gaps
  • Rep & warranty risk

Michael Nedzbala

Hunton Andrews Kurth LLP

Allison Brown

Deputy Assistant Director for Servicing
Consumer Financial Protection Bureau

Shujaat Ali


Gene Ross

EVP Strategy & Business Development
LoanCare, A ServiceLink Company

Jeremy Potter

Chief Compliance Attorney
Norcom Mortgage

Ruth Lee, CMB

Executive Vice President
MorVest Capital
5:40 PM Eastern Time
Paper Presentation… Dissecting Prepayment Curves and the Impact on the Value of Servicing
The value of mortgage servicing is heavily impacted by the prepayment function. The Modelling Mortgage servicing is essentially the same as modelling Interest Only (IOs). The valuation of IOs is extremely sensitive to prepayment, therefore, prepayment modelling is crucial in this valuation. We can observe significant different prepayment modelling from many different investment banks. Our paper focuses on the dissection of prepayment functions and its impact on the valuation of mortgage servicing.

Charles Stone

Deputy Chair, School of Business
Brooklyn College, CUNY

Anne Zissu

Chair of the Department of Business
Citytech, CUNY
6:00 PM Eastern Time
Networking Reception
7:00 PM Eastern Time
Day One Concludes
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New York, NY 10036 USA

Phone: +1 (212) 901-0506
(8:30 AM - 5:30 PM Eastern Time / Monday-Friday)


Event Contacts for The 3rd Annual Residential Mortgage Servicing Rights Forum


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Information Management Network - Privacy Notice

Introduction - Who we are

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This Privacy Notice was updated on 23 May 2018

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  • Lead Generation and Scoring

    We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.

    We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.

  • Surveys, Market Research & Customer Feedback

    We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.

  • Public forums, message boards and blogs

    Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.

  • Business or Asset Sale

    If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.

    If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.

  • Additional Third Party Disclosures

    We may disclose your personal data to other third parties in the following situations:

    • To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
    • Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
    • If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
  • Email Tracking

    We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.

We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:

  • Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
  • The business rationale for collection and expiry of the purpose for which personal data was collected;
  • Our ongoing ability to ensure the accuracy of the data; and
  • Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which include the following:

  • Access & Portability

    You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.

    You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.

    If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.

  • Rectification, Restriction, Objection

    You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.

  • How to Exercise Your Rights

    To exercise any of these rights, please contact us by post or email at the following addresses:

    Euromoney Institutional Investor PLC
    8 Bouverie Street
    London, EC4Y 8AX
    United Kingdom


    Web form: Complete Subject Data Request Form

    We may need to check your identity prior to processing a request.

    Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.

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