Andrew Arculin

Venable LLP

Andy Arculin is a partner in Venable’s Regulatory Group and the firm’s Consumer Finance practice. He has over a decade of experience in consumer financial matters, both in private practice and with the federal government. Mr. Arculin advises a wide range of clients on all aspects of the mortgage business from chartering and licensing, to marketing, to loan origination and servicing, to secondary purchase and diligence. Mr. Arculin’s practice focuses on the “alphabet soup” of consumer credit statutes and regulations, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), th ... (view full description)

William Aubrey

Senior Vice President &. Chief Investment Officer
Capital Alliance

Rishi Bansal

Chief Investment Officer

Rishi Bansal, Chief Investment Officer, BankUnited: Mr. Bansal has been the Bank's Chief Investment Officer since February 2017 and most recently served as Executive Vice President, Mortgage Portfolio. Mr. Bansal joined the Bank in July 2009, and was part of the advisory group that worked on the Bank's acquisition. In his role as Chief Investment Officer, Mr. Bansal is responsible for the bank’s investment securities portfolio. He manages the Bank's residential loan portfolio, residential mortgage warehouse business and Pinnacle Public Finance business. Prior to joining BankUnited, Mr. Bansal was a Managing Director in fixed income with Merrill Lynch from 2007 through 2009 a ... (view full description)

Kevin Barker

Senior Research Analyst
Piper Jaffray

Kevin Barker is a senior research analyst at Piper Jaffray covering large cap regional banks and specialty finance companies. Prior to joining Piper Jaffray in 2015, Barker was a senior analyst covering similar equities at Compass Point Research & Trading from 2012-15. He also spent five years in equity research at FBR & Co. and three years at Freddie Mac. Barker earned a bachelor’s degree in international finance from American University and a Master of Business Administration degree from the Smith School of Business at the University of Maryland.

Justin Bayle

LendLA Team/New American Funding

Monte Bays

Vice President
Morningstar Credit Ratings

Jason Biegel

Managing Director
Angelo, Gordon & Co.

Jason Biegel joined Angelo, Gordon in February 2013 as a Managing Director on the firm’s residential and consumer debt investment team. Jason focuses on leading the build out and developing of the firm’s residential whole loan investment efforts. Prior to joining Angelo, Gordon, Jason worked at Lone Star Funds where he was the head of the residential whole loans business platform and Chairman of the Board of Vericrest Financial, Loan Star Funds’ residential mortgage loan servicer. Previously, Jason was a Senior Managing Director at Bear, Stearns & Co. where he worked on the Mortgage Trading Desk in New York. Jason holds a B.A. degree from Rutgers University.

Samuel Bjelac

Senior Vice President
Sprout Mortgage

SVP of Sprout Mortgage correspondent conduit focused on Non-QM/Non-Agency residential mortgages and business purpose investment property loans.  Available programs include Jumbo/Super Jumbo “near miss,” DSCR and no-ratio investment loans, Luxury SFR, self-employed borrowers/bank-statement loans, foreign nationals and non-warrantable condos.  Previous experience includes Vice President of Wholesale at CoreVest American Finance, and Divisional Vice President at Carrington Mortgage Services, where he helped establish their wholesale lending channel and develop its nationwide expansion.

Anatoly Burman

Alesia Re

Anatoly has over 30 years of experience in analyzing, structuring, assessing  ALM suitability, trading securities and managing portfolios for insurance  companies and institutional investors. Prior to cofounding Alesia, Anatoly founded the Structured Products Group at  Aladdin Capital in early 2005, managing $13bn of structured product assets, at  its peak, across Structured Product CDOs, hedge funds, separate and  proprietary accounts and an ABCP conduit. Prior to joining Aladdin, Anatoly  was a Vice-President/Senior Portfolio Manager at SunAmerica/AIG Insurance  company, managing over $40bn of investments in asset-backed, mortgage-  backed securities and other structured assets, acro ... (view full description)

Craig Chang

1st Reliant Home Loans, Inc.

Kenon Chen

EVP, Strategic Partnerships
Clear Capital

He’s an award-winning musician with five albums to his name, but Kenon is equally as comfortable leading the boardroom as he is rocking out in the studio. His inquisitive mind and passion for intuitive, people-friendly solutions have brought technology to market that solves some of the financial industry's hardest problems. Kenon sits at the intersection of our executive, product, operations, and sales teams, guiding our growth and ensuring we deliver consistent and long-term value to our customers and partners. He also serves as head of marketing. In his 15 years at Clear Capital, Kenon has developed and launched some of our most revolutionary solutions, including ClearProp and ClearCollate ... (view full description)

Richard Cooperstein

Director, Model Risk Management
Andrew Davidson & Co., Inc.

Richard Cooperstein, Ph.D. leads Model Risk Management at Andrew Davidson & Co., Inc. bringing decades of experience from various risk and policy roles in the mortgage market. His experience includes senior positions at Freddie Mac, Ocwen, HSBC Securities and Ranieri Partners. At the US Office of Management and Budget, he applied option pricing theory to value Federal guarantees and was one of the chief architects of Credit Reform. Richard is a published author and experienced speaker on applied option pricing and the economics of financial policy.

Michael Crockett

Executive VP Product Development
Credit Plus

Mr. Crockett joined Credit Plus in 2013 and is responsible for overseeing the development of quality assurance and quality control products that lenders can utilize throughout the loan cycle. He has decades of experience with a proven track record in operations, leading teams and developing products for the mortgage industry to assist lenders in mitigating risk. Prior to joining Credit Plus, Mr. Crockett served as Senior Vice President of Operations at a national mortgage information company for 20 years where he was responsible for almost every aspect of the business by managing resources and providing insight to improving operations performance. Mr. Crockett currently serves on the Boards ... (view full description)

Julia Curran


Julia Curran has 25 years' experience in the mortgage industry, with over 13 years in the due diligence arena. Julia joined AMC in 2013, previously holding director and/or vice president level positions on both the vendor and investment bank sides of the residential mortgage due diligence industry. Julia started her career on the origination side of the business developing systems to automate the originations process and then worked in the secondary marketing, servicing and master servicing areas managing various aspects of each department. She has managed the definition of business requirements leading to system design, development, implementation and maintenance of mortgage originati ... (view full description)

Jon Daurio

Founder, Chairman & CEO
Nikkael Mortgage

Jon R. Daurio, Esq. is currently the founder, Chairman and CEO of Nikkael Mortgage.  In 1982, after only three years of study, Mr. Daurio graduated from Harvard University with a degree of Bachelor of Arts cum laude.  From 1982 to 1983, Mr. Daurio was a Syndicate Manager with Stoever, Glass & Company, a premier Wall Street Municipal Bond Broker/Dealer.  He then decided to attend law and business schools.  In 1986, after only three and one half years of study, Mr. Daurio graduated at the top of his class from the University of Southern California, earning both a Juris Doctor and Master of Business Administration. After beginning his law practice at La ... (view full description)

Raymond Eshaghian

Greenbox Loans, Inc.

Aaron Greenberg

Senior Vice President, Real Estate
Oaktree Capital Management, L.P.

Scott Groves

Loan Officer & Branch Manager
LendLA Team/New American Funding

Eric Hagen


Eric Hagen joined KBW in 2014 and covers the mortgage and specialty finance sectors in KBW’s equity research department. Previously, he was an Analyst at the U.S. Treasury Department where he worked on the Federal government’s Troubled Asset Relief Program (TARP). In 2018 he was recognized as a “Rising Star” by Institutional Investor. Eric received a Bachelor of Science degree from George Washington University in finance and a Masters degree from Georgetown University. He is a CFA Charterholder.

Daniel Hall

Senior Vice President
DBRS Morningstar Credit Ratings

Daniel Hall is a Senior Director in the U.S. RMBS group at DBRS Morningstar Credit Ratings. He focuses on market outreach and ratings criteria development, as well as the credit and structural analysis of securities backed by most mortgage asset types, including: newly originated prime jumbo, agency, and non-QM loans; seasoned performing and reperforming loans; and nontraditional assets such as mortgage insurance contracts. Prior to joining DBRS Morningstar in 2019, Daniel spent more than10 years in various roles in the RMBS group at S&P Global Ratings, most recently as a director and team leader responsible for new ratings issuance.  Daniel was also heavily involved in the d ... (view full description)

Douglas Harter

Credit Suisse

Chris Helwig

Managing Director
Amherst Pierpont

Chris Helwig joined Amherst in December of 2015 as a senior mortgage strategist with nearly 20 years of experience across MBS and structured products. Prior to joining Amherst, Chris spent six years at Deutsche Bank in research and trading roles, most recently as co-head of RMBS research. Before his tenure at Deutsche, Chris spent nearly nine years at Bear Stearns, the large majority of which was spent in the Portfolio Strategies division of the Financial Analytics and Structured Transactions (FAST) group. In this role he was responsible for providing portfolio, hedging, securitization and asset liability solutions to financial institutions. Chris holds a Bachelor of Arts from Georgetown Uni ... (view full description)

Danny Horanyi

Head of Non-Agency Lending

Daniel Huang

Managing Director
Angel Oak Capital

Tom Hutchens

Executive Vice President of Production
Angel Oak Mortgage Solutions

Tom is Executive Vice President of Production for Angel Oak Mortgage Solutions. He has over 18 years of experience in leading sales for a wholesale and correspondent lending platform with proven success in the expansion of a lending footprint nationwide.

Prior to Angel Oak, Tom was a senior sales leader at SouthStar Funding and was responsible for business and sales development across the country. He later served as the President of Novo AMC where he was instrumental in launching the organization.

Tom holds a B.S. degree in Finance from Florida State University.  

Jason Jepson

VP Brand Marketing

Mr. Jepson served as a managing partner for the Experience Firm. Mr. Jepson also served as CMO for Wild Tonic, SVP at Mota and Vice President at Treble Public Relations. Mr Jepson has led communications on two separate billion dollar acquisitions. Mr. Jepson is an industry veteran with over 20 years of experience in all facets of corporate and crisis communications, marketing, public relations and corporate strategy. Mr. Jepson received his BS in Communications from Vanguard University.

Keith Jones

VP-Credit Risk and Product Development

Paul Jones

Non-QM Business Development Manager
First Guaranty Mortgage Corporation

Jack Kahan

Senior Managing Director
Kroll Bond Rating Agency, Inc.

Jack Kahan is a Senior Director responsible for Residential MBS at Kroll Bond Rating Agency, Inc. He covers all RMBS asset types, including newly-originated prime jumbo loans, legacy performing and reperforming loans, newly-originated agency loans, and resecuritized legacy RMBS bonds.   Prior to joining Kroll, Jack spent seven years in various roles in the U.S. RMBS group at Standard & Poor’s, most recently as a Director and Analytical Manager responsible for newly issued ratings.  In addition to leading a team of analysts in applying new issuance methodology and ratings, Jack lead and co-authored many of the firm’s RMBS-related criteria and research publications.  His focus ... (view full description)

Eric Kaplan

Director, Housing Finance Program
Milken Institute - Center for Financial Markets

As director of the Milken Institute Center for Financial Markets Housing Finance Program, Eric Kaplan focuses on the health, sustainability, and reform of the U.S. housing finance ecosystem. He regularly engages policymakers, regulators, and industry stakeholders on such issues as the roles of public and private capital, primary and secondary market dynamics, and lending and servicing practices, maintaining a focus on consumer, industry, and systemic impact. Mr. Kaplan brings over 26 years of housing and mortgage experience across a variety of finance, legal, and policy roles. Prior to joining Milken, Mr. Kaplan served as a managing partner at Ranieri Strategies LLC, where he worked closely ... (view full description)

Mike Kortas

Nexa Mortgage

Josh Lewis

Buywise Mortgage

John Lynch

PCMA Private Client Lending

John is a serial entrepreneur with a passion for bringing ideas to life. Considered by many as the “Disruptive Entrepreneur” and one of Orange County’s top entrepreneurs, his big idea projects have been featured in various media outlets and is a sought after public speaker. His first book “You Can’t Build Skyscrapers on Swampland” The Foundation Principles for Success in Life and Business” is available in stores now! John rose to prominence in the late 90’s after he and a partner launched a startup specialty finance company online in 1997 and grew to over $300MM in annual sales and courted for acquisition in 2006 by Capital One. The John Royce Companies po ... (view full description)

Michael Manes

SVP of Business Development
Sprout Mortgage

Ron Mass

Managing Principal
Almitas Capital

Ron Mass is managing principal of Almitas Capital. Prior to founding Almitas Capital, Mr. Mass was a senior portfolio manager and head of Structured Product Investments at Western Asset Management in Pasadena, California for 21 years. Mr. Mass chaired the Leverage Products Committee at Western Asset and was on the Broad Market Strategy Committee as well as the Risk Management Committee. Mr. Mass was responsible for management of over $100 billion of fixed income investments in Asset Backed, Commercial Mortgaged Backed and Residential Mortgage Backed Securities and responsible for management of the Public Private Investment Partnership with the US Treasury as well as closed end funds and dedi ... (view full description)

Scott McNulla

Director, Regulatory Compliance

Scott McNulla has worked at SitusAMC since September 2015. He is responsible for leading the Regulatory Compliance team in their efforts to ensure SitusAMC continues to lead the industry in delivering premier loan level compliance reviews. Through his leadership, the compliance team will ensure the systems continue to provide accurate results and the operations staff are trained and prepared to provide top tier residential mortgage compliance reviews to our clients. Scott has over 25 years of experience in the Mortgage Industry. Prior to joining SitusAMC, he worked at Clayton Holdings LLC and Allonhill, LLC, managing their compliance departments. While at Clayton, he was responsible fo ... (view full description)

Tom Millon

Computershare Loan Services US

Tom Millon is CEO of Computershare Loan Services US, including Specialized Loan Servicing, Credit Risk Solutions, Capital Markets Cooperative, and Property Solutions.
Tom founded Capital Markets Cooperative (CMC) in 2003. Subsequently, Tom and his team grew CMC from a one-man operation to a leading national mortgage brand, delivering a broad range of services to over 500 institutional customers.
A Chartered Financial Analyst (CFA) and Certified Mortgage Banker (CMB), Tom is FINRA Series 3 licensed and is a member of the National Futures Association, the Association for Investment Management and Research, and the Security Analysts Society of San Francisco.

Mark Neely

Managing Director
EJF Capital

Mr. Neely joined EJF in 2011 and is responsible for the analysis and management of EJF’s high yield and event driven fixed income investments.  He has covered the firm’s bond insurance investments post the financial crisis and has been an internal and external lead for major bondholder restructurings for many of the firm’s fixed income investments.  Mr. Neely has over 14 years of investment and mortgage finance experience focusing on structured product and synthetic/esoteric investment opportunities.  Prior to joining, EJF he worked at Fannie Mae as a mortgage backed securities trader and financial analyst where his role included trading mortgage backed securities and pricing structured lega ... (view full description)

Paul Norris

Head of Structured Products
Conning & Co

Paul Norris, is a Managing Director and Head of Structured Products at Conning where he leads a team of traders and analysts. In this role Mr. Norris oversees all research, investment and trading for structured products. Prior to joining Conning in 2017, Mr. Norris was most recently at Mariner Investment Group where he was a Portfolio Manager for a mortgage hedge fund and focused on mortgage derivatives. Prior to that, Mr. Norris was Head of Securitized Products at Dwight Asset Management where he led a team of portfolio managers, traders and analysts managing that sector. He has also held various senior roles, such as Director of both mortgage and non-mortgage investments at Fannie Mae. Mr. ... (view full description)

Shea Pallante

Sprout Mortgage

Shea Pallante is the Executive Vice President of Sprout and Recovco Mortgage, the leading provider of rental and Non-QM loans. Previously, Shea was Managing Director at CIVIC Financial Services where he helped the one time start up become an industry leader in originating business purpose loans. Shea has over 15 years of experience in the residential mortgage industry with a focus on sales, acquisitions/dispositions, asset management, and strategic planning. Shea holds a degree in Labor Law from Pennsylvania State University.

Domonic Purviance

Senior Financial Specialist
Federal Reserve Bank of Atlanta

Mr. Purviance serves as a Senior Financial Policy Analyst within the Supervision and Regulation division at the Federal Reserve Bank of Atlanta. In this function, Mr. Purviance is primarily responsible for conducting an ongoing assessment of risks associated with residential real estate markets and the potential impacts they may pose to the financial system. This includes analyzing conditions within individual markets as well as the impacts of external forces on real estate. In addition, Mr. Purviance is responsible for developing real estate related analytical reports and tools utilized throughout the Federal Reserve System to aid in risk surveillance and banking supervision. Prior to jo ... (view full description)

Perry Rahbar

Chief Executive Officer

Perry Rahbar is founder and CEO of dv01, the reporting and analytics platform that provides institutional investors transparency into lending markets, starting with marketplace lending. He founded dv01 to solve the challenges he encountered during his decade-long career trading mortgage bonds at Bear Stearns (Managing Director, MBS trading) and J.P. Morgan (Executive Director, Co-Head of CMBS trading).   To date, dv01’s portfolio management software has provided investors insight into more than $30 billion of loans (>50% of total) from the biggest marketplace lenders, including LendingClub, Prosper, and SoFi. By offering unrivaled data transparency and integrity, dv01 aims to ... (view full description)

Scot Rose

Chief Innovation Officer
Class Valuation

With over 20 years of valuation industry experience, Scot Rose joined Class Valuation in April 2018 as the Chief Innovation Officer. In this role, Scot partners with industry stakeholders and the Class executive team to drive modernization, advance product and platform innovation, and help ensure thoughtful change.   Prior to joining Class, Scot served as President for Urban Lending Solutions Appraisals (now Valuation Connect) where he and his team organically grew the business to one of the top national valuation providers. He also spent five years at Fiserv where he worked in the valuation due diligence business and ultimately helped develop and lead the Home Retention division ... (view full description)

Aaron Samples

Chief Executive Officer
First Guaranty Mortgage Corp.

Aaron Samples brings over 20 years of industry experience and expertise across all phases of mortgage lending and servicing. Prior to joining FGMC as President and CEO, Aaron served four years as Executive Vice President at Stearns Lending. During his tenure at Stearns, Aaron managed various origination channels, strategic corporate initiatives, and served as Director of MSR. Prior to joining Stearns Lending, Aaron served in various executive capacities at Nationstar Mortgage, where his responsibilities included the acquisitions of mortgage servicing rights, corporate M&A, and management of residential loan portfolio subservicing. While at Nationstar, Aaron also held various executive ro ... (view full description)

Matthew Sangiuolo

National Sales Manager
A&D Mortgage

Matthew Sangiuolo has over 20 years in the Financial Services industry and 16 years in the mortgage industry spanning various segments of the market such as wholesale & retail origination for residential & commercial loans as well as mortgage servicing.  Matthew excelled as a wholesale account executive for World Savings Bank and Lehman Brothers Company and was designated for management towards the end of his career with Lehman Brothers. Most recently Matthew worked for a publicly traded financial services company and was the leading source to assess strategic initiatives that greatly impact the organization’s positive trajectory. Matthew’s approach is to emphasize the importance of ... (view full description)

Jeremy Schneider

Senior Director
S&P Global Ratings

Jeremy Schneider is a Senior Director and Sector Lead for U.S. Residential Mortgage-Backed Securities (RMBS) within the Analytics & Research Group at S&P Global Ratings. Jeremy focuses on analytics, market developments, and outreach related to mortgage finance, housing, and credit as it relates to U.S. RMBS.   Jeremy joined the U.S. RMBS group of S&P Global Ratings in 2006. Since then, he has worked in both the new issuance and surveillance groups focused primarily on ratings and criteria development. Jeremy was heavily involved in criteria development for U.S. RMBS new issuance and surveillance of outstanding legacy U.S. RMBS ratings. He also publishes numerous comme ... (view full description)

Lisa Schrieber

SVP, NonAgency

Lisa M. Schreiber, Senior Vice President of NonAgency Lending at NewRez, LLC is a proven leader and industry innovator with over 25 years of success, experience, and dedication to the diverse field of lending. Along with her position at NewRez, Schreiber has held senior management positions with major financial services companies such as Sprout, Home Point Financial, Ellie Mae, NetMore America, American Brokers Conduit and Bank of America.

Steven Schwalb

Angel Oak Lending

Steven is the Managing Partner of Angel Oak’s lending entities (AOHL, AOMS, AOPB). His responsibilities include the development of Angel Oak’s lending and servicing strategic plan, oversight of the origination and servicing platforms, and executing growth opportunities in agency approvals, servicing and securitization.  Steven co-founded Angel Oak Mortgage Solutions, a non-agency wholesale and correspondent mortgage lender, Angel Oak Home Loans, a residential agency and non-agency retail lender, and Angel Oak Prime Bridge, a commercial lender providing financing solutions for both residential real estate investors and commercial properties. Under his leadership, Angel Oak Lending has b ... (view full description)

Viral Shah

Head of Capital Markets
Better Mortgage

Viral Shah is Co-Founder & Head of Financial Products at, where he oversees financial product innovation, the mortgage marketplace as well as recently launched marketplaces covering real estate brokerage, title insurance and homeowners' insurance. Viral’s experience spans consumer finance, capital markets, corporate development and strategy. At Better, Viral led the acquisition and integration of the mortgage lender that Better purchased in 2015, while concurrently running the $30mm Series A capital raise. Subsequent to the acquisition of Avex Funding, Viral built out the capital markets infrastructure for Better, obtaining multiple warehouse lines and establishing a loan mark ... (view full description)

Geoffrey Sharp

Managing Director
Eris Innovations

Mr. Sharp is responsible for Sales and Marketing at Eris Innovations, developers of Eris Swap Futures. As CME Group products, USD Eris Swap Futures are a suite of standardized swap contracts which simplifies the access and use of USD swaps. Prior to Eris, Mr. Sharp was a Managing Director in global interest rate markets at Nomura Securities and previously held senior derivatives trading and sales roles at Lehman Brothers in both Tokyo and New York. Mr. Sharp holds a B.Eng. from The University of Bristol, England.

Shawn Sidhu

Mortgage Consultant/Branch Manager
C2 Financial Corporation

Namit Sinha

Portfolio Manager
Angel Oak Capital

Michael Soliz Jr

1 Oak Advisory

Michael is the founder and operator of 1 Oak Advisory, a California Deed of Trust investment firm, located in Newport Beach, California. As a seasoned investor and specialized trader of California's residential mortgage assets.  Michael has carved a niche of providing a viable liquidity solution for existing California mortgage lien holders who seek to exit their delinquent investments now, rather than continue the lengthy and costly mitigation, foreclosure, bankruptcy, eviction and possibly, REO rehabilitation process.


Steve Stelmach

Managing Director, Director of Equity Research
EJF Capital

Mr. Stelmach joined EJF in 2015 and is responsible for the analysis of U.S. and residential housing opportunities as well as assisting in the analysis of the insurance sector.  Prior to joining EJF, Mr. Stelmach spent 12 years at FBR as a senior analyst in the financial services research group.  With over a decade of equity research experience, Mr. Stelmach has covered a broad array of companies and sectors throughout the financial services and housing industries, including government-sponsored entities, mortgage banking companies, small- and large-cap banks, homebuilders, mortgage and title insurance, broker-dealers and the single-family rental sector.  Prior to FBR, Mr. Stelmach worked on ... (view full description)

Ron Szukala

Director of Operations
A&D Mortgage

Ron Szukala is Director of Operations for A&D Mortgage. In this role, he is responsible for each aspect of the operations team from disclosure to underwriting. The team also manages underwriting, processing, and closing for each loan source. Mr. Szukala has over 22-years in the financial and banking industry. His expertise covers a broad range of fields such as risk analysis, project management, audit controls, process re-engineering, quality control, and training. As a DE Underwriter, he is motivated to make the loan process as efficient as possible. He has been the linchpin for implementing systems and processes which make operations run smoothly and still support company growth ... (view full description)

Harkaran Talwar

Senior Portfolio Analyst
Angel Oak Capital

Harkaran is a Senior Portfolio Analyst at Angel Oak Capital Advisors and focuses on researching and building strategies in mortgage credit, including non-qualified mortgages and residential mortgage-backed securities (RMBS).   Harkaran joined Angel Oak in 2018 from Bank of America Merrill Lynch, where he was the primary research analyst covering non-agency RMBS. Prior to Bank of America Merrill Lynch, Harkaran was part of the Structured Products research team at Barclays. He began his capital markets career in 2007, working as a Structured Credit Trading Analyst at Lehman Brothers.   Harkaran holds an M.B.A. from the Indian Institute of Management, Calcutta and a B. T ... (view full description)

Quincy Tang

Managing Director

DBRS Experience Quincy is a Managing Director in the Structured Finance Group at DBRS.  She manages the U.S. RMBS team in rating criteria development, research and publications as well as credit and structural analysis on mortgage transactions and re-securitizations.  Work Experience Prior to joining DBRS in 2004, Quincy spent three years at Fitch Ratings managing subprime / home equity securitizations.  She also spearheaded the Fitch RMBS training program and NIM Securitizations on-line surveillance project.  Previously, Quincy worked as a Vice President in the Financial Analytics and Structured Transactions and Whole Loan Securitization groups at Bear ... (view full description)

Leon Tatevossian

Adjunct Professor, Financial Mathematics and Engineering
NYU Courant and NYU Tandon

Leon Tatevossian is an adjunct professor in Mathematics in Finance at NYU Courant and in Finance and Risk Engineering at NYU Tandon.  From 2009-16 he was a director in Group Risk Management at RBC Capital Markets, where he covered market risk for securitized products in secondary-trading, origination, and proprietary-trading areas.  Leon's experience in the fixed-income capital markets includes positions as trader, quantitative strategist, derivatives modeler, and risk analyst.  His product background includes US Treasurys, US agency bonds, interest-rate derivatives, MBSs/ABSs, and credit derivatives.  Leon graduated from MIT (SB; mathematics) and was a gradua ... (view full description)

Harris Trifon

Portfolio Manager
Western Asset Management

Harris Adam Trifon is a Portfolio Manager and Research Analyst with Western Asset Management Company, LLC and has more than 19 years of experience. Prior to joining the Firm, Mr. Trifon served as Director of Fixed-Income Research with Deutsche Bank, where he was Global Head of CRE Debt and US ABS Research Teams. As Director of Structured Finance with Standard & Poor’s, Mr. Trifon was a Portfolio Manager and Team Leader for all Conduit, Fusion, Single Borrow, Large Loan fixed-rate and Small Balance transactions. At BNP Paribas Mr. Trifon served as Assistant Vice President of Fixed-Income, where he provided analytic support to senior exotic option traders, including products of digital opt ... (view full description)

Nathan Turner

Earnest Inc

Nathan Turner is known in the note world as "the Canadian Note Guy". With a degree in Business Management, Nathan had owned his own businesses and been a franchisee before he discovered that real estate is in his blood. He got a taste for real estate investing in Canada starting in 2006, but shifted to US real estate two years later. He started in the states by creating loans and eventually evolved into buying non performing notes with the intention of taking back the house in order to seller finance. Having had the experience of working in key partnerships, Nathan then branched out on his own. He started  to build a portfolio in the spring of 2015 and since then has done well over 100 deals ... (view full description)

Steven Ujvary

Senior Vice President
Starwood Capital Group

Stephan Wiederkehr

President/Mortgage Broker
Pacific Mortgage Co./Finance West Lending Inc.

Steve vonBerg

Buckley LLP

Steven R. vonBerg is an Associate in the Washington, D.C., office of Buckley LLP. Combining his legal skills with insights gleaned from seven years in the mortgage industry as a loan officer and underwriter, he delivers practical, business-oriented advice on regulatory compliance matters to bank and nonbank mortgage lenders and mortgage servicers. Mr. vonBerg’s practice is focused on the full spectrum of federal mortgage lending laws, particularly those that have come out of the Consumer Financial Protection Bureau (CFPB), including the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, the Loan Originator Compensation rule, the Truth in Lending Act-Real Estate Settlement Procedures Act ... (view full description)
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Event Contacts for The Inaugural Non-QM Forum


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*Website or Internet failure. IMN shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between IMN and you. IMN also does not warrant or represent that the website shall be completely secure, specifically including without limitation, that no unauthorized person shall intercept or access information transmitted by you.

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*User Communication. To the extent permitted while using DirectConnect, you can use and participate in groups, free to post and delete comment on the website. You are solely responsible for your interactions with other users. IMN may limit the number of connections you may have to other users and may at its sole discretion prohibit you from contacting other users through use of the Services or otherwise limit your use of the Services.

If you violate this Agreement while posting, that content may be removed without further notice or the rights of others posting here. Nothing you post here is confidential or proprietary and you are cautioned that other posters or viewers may use any information posted here. By posting here you agree that IMN is not responsible for the misappropriation or misuse of any information posted on this website.

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*Content by Becoming a User of DirectConnect: As part of obtaining registration access to DirectConnect, unless you opt out, you may receive invitations to network from other conference attendees. We may also send you emails to keep you updated on developments in the site and services. Your registration for and/or subscription to such an email service and your use of the content received through these email services will be subject to these terms. You can unsubscribe to our email service by changing your email preferences on the website.

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*Third Party Information. Some of the information you access here is the property of third parties, made available here with the express permission of those third parties. IMN is not responsible for the content of any third party information provided on this website. You are cautioned that any further use of that information by you may be subject to the rights of those third parties and you may be required to obtain a license to use any such information. Failure to obtain third party permission may be a violation of federal law. You should contact the third party provider of the information to ascertain the requirements for using the information.

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*Limitation of Liability. Neither we, nor any of our suppliers, officers, employees, partners, affiliates, subsidiaries, successors and assigns, agents or representatives (our "Representatives") will be liable to you for:

(a) any incidental, punitive, indirect, special or consequential damage, loss or expenses, including but not limited to any loss of business, contracts, revenue, or profits, any business interruption, security breach, loss of data, loss of goodwill or reputation or other pecuniary loss suffered by you, even if we or any of our Representatives have been advised of their possible existence; nor? (b) any direct damage loss or expenses arising from loss of customers, loss of profits, loss of anticipated profits or loss of savings.

*Termination. You may terminate this Agreement, for any or no reason, at any time, when IMN receives notice from you. IMN may terminate the Agreement and your account for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice and may include disabling your current and future access to DirectConnect. IMN may also suspend or terminate this Agreement if you invite other users with whom you do not know to connect; abuse the any DirectConnect messaging services; creating multiple or false profiles; infringe on any intellectual property rights, violating any provisions in this Agreement, disparage IMN or its executives, Board members, affiliates, staff or other related entities or persons, or exhibit any other behavior that IMN, in its sole discretion, deems contrary to the purpose of the website.

*No Waiver. Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.

*Entire Agreement. These terms (including any terms incorporated by reference in these terms), constitute the entire agreement between you and us with respect to your access to and use of the website or receipt of any service and supersede all prior agreements, negotiations and discussions between you and us relating to the same.

*Law and Jurisdiction. Where you visit, register and/or subscribe to a this site or related service (as indicated on this website or otherwise notified to you), these terms (and any dispute or claim arising out of or in connection with these terms, including non-contractual disputes or claims), to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of the State of New York. Any action to enforce these terms shall be brought in a federal court or a state court located in the state of New York, county of New York, and you agree to submit yourself to the personal jurisdiction of those courts in any such action.

*Force Majeure. We shall not be deemed to be in breach of these Terms by reason of any delay in performing, or any failure to perform any service or our obligations in relation to these Terms, if the delay or failure was due to any cause beyond our reasonable control, including but not limited to acts of God, explosions, floods, fire or accident, war or threat of war, terrorism or threat of terrorism, sabotage, civil disturbance, epidemics, prohibitions or measures of any kind on the part of any governmental, parliamentary or local authority, import or export regulations or embargoes, or industrial actions or trade disputes (whether involving our employees or of third parties).

*Severability. If any provision of these Terms is found to be wholly or partially invalid, void or unenforceable by any court having competent jurisdiction or by virtue of any legislation or any other reason, that provision shall be invalid, void or unenforceable to that extent only and no further and the validity and enforceability of the remaining provisions of these Terms shall not be affected.

*Notices. Any notice given pursuant to these Terms shall be made by email or first class post, in the case of you, to the address provided on your registration form and, in the case of us, to the address posted on the website or otherwise notified to you in relation to any relevant service. Any such notice shall be deemed to have arrived if sent by post within three (3) days of posting and if sent by email at the time of transmission.
Information Management Network - Privacy Notice

Introduction - Who we are

Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.

For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.

Euromoney is the primary data controller of personal data collected through this website or that we may collect in different ways as described in this Privacy Notice. If you are contacted by our other group companies, they will also be controllers of your personal data. This means that they are responsible for how your personal data is used, just as we are. You may contact any of these companies directly, or you can contact Euromoney by emailing or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.

This Privacy Notice was updated on 23 May 2018

Our Approach to Your Privacy

This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.

Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.

We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.

When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).

We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).

What Personal Data We Collect & Why

Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.

  • Registration, Free Trials & Subscriptions

    When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.

    If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.

  • Events & Conferences

    If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.

    This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.

    We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.

  • Advertising & Marketing

    We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.

    Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.

    You can opt out from receiving such materials at any time.

    The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).

    Marketing materials are sent electronically, by post and we may occasionally call you.

  • Online Targeted Advertising

    We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.

    We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.

  • 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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