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Dennis Alba

Senior Vice President, U.S. Reinsurance
Everest Reinsurance Company

Dennis is currently responsible for the US assumed casualty and surety reinsurance operations. He joined Everest in 2012 from Aon Corp. where he held the position of Senior Managing Director.  His responsibilities included new business production, managing broker placing teams and overseeing the corporate relationship for a large, multi-national insurer. Before joining Aon in 2004, Dennis was a Senior Vice President with Munich Re America. He spent a combined 18 years there and with its acquisition, American Reinsurance Company. Over his tenure at Munich Re he held a number of positions in the US reinsurance operations. His responsibilities included leading the domestic marketing effort, pla ... (view full description)

Roger Ashworth

Director, Research Strategist

Roger Ashworth is head of the non-agency MBS strategy team. His team is responsible for relative value, prepayment and credit analysis within the non-Agency mortgage market. Prior to joining Citi, Roger was in a similar role at Amherst Securities Group, and he was a non-agency MBS trader at Merrill Lynch prior to that.

Roger received a BS degree in engineering from the US Naval Academy and an MBA degree from Georgetown University.

Grant Bailey

Managing Director
Fitch Ratings

Grant Bailey is a managing director and head of the Global Structured Finance Enhanced Analytics group at Fitch Ratings. Grant previously led the US RMBS and Covered Bonds group at Fitch. He joined Fitch in 2001.
Grant earned an MSc in real estate finance from New York University and received a BA magna cum laude from Occidental College.

Sean Becketti

Vice President and Chief Economist
Freddie Mac

Sean Becketti is Vice President, Chief Economist and head of Freddie Mac’s Economic & Housing Research department.  In this position, Becketti is responsible for research, analysis and forecasts of the macroeconomy with a special focus on housing and mortgage markets.    Mr. Becketti previously worked at Freddie Mac from 1996-2001 in several senior financial and analytical roles.  Aside from Freddie Mac, Mr. Becketti led mortgage modeling and risk management groups at several major banks and at Fannie Mae, served as a senior economist at the Federal Reserve Bank of Kansas City, and taught economics at UCLA.   Freddie Mac was established by Congress in 1970 to prov ... (view full description)

Eknath Belbase

Director, Mortgage Strategy
Andrew Davidson & Co., Inc.

Eknath Belbase is Director of Mortgage Strategy at Andrew Davidson & Co., Inc. He also consults on a range of projects involving portfolio strategy, risk management, hedging, interest rate and credit analytics, custom models and risk-based capital. Eknath began his career in Finance at AD&Co, where he worked from 1998-2002. During that period, he developed the first version of the B-K interest rate process, an initial implementation of the implied-prepayment model, and developed prepayment models for agency fixed-rate and hybrid products that introduced national house price appreciation as a driving variable for the first time. He also supported a number of consulting proj ... (view full description)

Jim Bennison

Executive Vice President, Head of Alternative Markets
Arch Capital Group

James Bennison is the Executive Vice President and Head of Alternative Markets for Arch Capital’s mortgage division (“Arch”). He has 30 years of experience as an Investor and Investment Banker in the structured finance market. At Arch, he is responsible for a variety of businesses and activities, including the company’s mortgage insurance-linked note program (the Bellemeade Program) and traditional reinsurance; the structured mortgage insurance business; a whole loan investment platform; a captive management business (which currently supports Freddie Mac’s IMAGIN and Fannie Mae’s EPMI products); and developing other approaches to pricing and managing mortgage credit risk. ... (view full description)

Kenneth Bjurstrom

Principal and Financial Consultant
Milliman, Inc.

CURRENT RESPONSIBILITY Ken is a principal with the Milwaukee office of Milliman and joined the firm in 1998. He manages a practice dedicated to analyzing the financial risks associated with issuing and servicing mortgages, mortgage guaranty insurance and mortgage credit risk transfer.  EXPERIENCE   Ken’s area of expertise is in advising mortgage banks, mortgage insurers and reinsuers both domestically and internationally and governments on managing mortgage credit risk. He has consulted and implemented solutions involving pricing, credit risk transfer, loan loss reserving, portfolio risk management, loan performance mode ... (view full description)

Andrew Bon Salle

Executive Vice President
Fannie Mae

Andrew Bon Salle is Executive Vice President – Single-Family Business at Fannie Mae, a leading source of liquidity in the U.S. residential housing market. Reporting to the President and Chief Executive Officer, Mr. Bon Salle is responsible for all aspects of the Single-Family business, including engagement with customers, managing the performance of the credit portfolio, and overseeing all capital markets activities. Mr. Bon Salle also leads the company’s efforts to integrate with the Common Securitization Platform. Most recently, Mr. Bon Salle served as Fannie Mae's Senior Vice President and Head of Underwriting and Pricing and Capital Markets, overseeing the company’s credit ri ... (view full description)

Michael Bright

Chief Executive Officer
Structured Finance Association

Michael R. Bright joined the Structured Finance Association in January 2019 as CEO, where he oversees the vision, strategy, convening, and advocacy work of the Structured Finance Association and its thousands of members in the securitization industry. Prior to joining the Structured Finance Association, Michael was the EVP and Chief Operating Officer of the Government National Mortgage Association, or Ginnie Mae. As COO he managed all operations for Ginnie Mae’s $2.0 trillion portfolio of mortgage-backed securities (MBS). In this capacity, and as the Acting President, Michael oversaw the fulfillment of Ginnie Mae’s core mission – connecting global bond investors with domestic mortgage ... (view full description)

Michael Canter

Director - Structured Assets

Michael S. Canter joined AllianceBernstein in 2007 as a Senior Vice President and is currently the Director of Securitized Assets. The group he heads is responsible for AllianceBernstein’s investing efforts in agency mortgage-backed securities, non-agency residential mortgage-backed securities, commercial mortgage-backed securities and other asset-backed securities. Canter is also the Chief Investment Officer of the AllianceBernstein Recovery Asset Fund (ABRA-S) and former CIO of the AllianceBernstein Legacy Securities (PPIP) fund. From 2000 to 2006, he was the president of ACE Principal Finance, a division of ACE Limited. There, Canter managed portfolios of credit default swaps, asset-backe ... (view full description)

Donna Corley

SVP Single Family Division, Chief Risk Officer
Freddie Mac

 Donna Corley is the division chief risk officer for the Single-Family Business at Freddie Mac, leading the team accountable for managing the risks that impact this business. Her primary responsibilities include: establishing credit policy; managing customer credit performance and compliance with Freddie Mac’s standards; providing models utilized in underwriting, costing and servicing processes; managing counterparty credit risk; and ensuring sound and efficient processes are in place to manage operational risk for Single-Family.   Prior to her current position, Corley was the senior vice president leading Credit Pricing, Risk Transfer & Securitization at Freddie Mac, where h ... (view full description)

Andy Davidson

Andrew Davidson & Co., Inc.

Andrew Davidson is a financial innovator and leader in the development of financial research and analytics. He has worked extensively on mortgage-backed securities product development, valuation and hedging. He is president of Andrew Davidson & Co., Inc., a New York firm specializing in the application of analytical tools to investment management, which he founded in 1992. Andrew was instrumental in the creation of the Freddie Mac and Fannie Mae risk-sharing transactions: STACR and CAS. These transactions allow Freddie Mac and Fannie Mae to attract private capital to bear credit risk, even as they remain in government conservatorship. Andrew is also active in other dimens ... (view full description)

Laurel Davis

Vice President for Credit Risk Transfer
Fannie Mae

Laurel Davis is Fannie Mae’s Vice President for Credit Risk Transfer, where she is responsible for developing and executing strategies to transfer credit risk associated with Fannie Mae’s single-family guaranty business to the capital markets and private investors. This includes managing Fannie Mae’s flagship Connecticut Avenue Securities (CAS) program.  Prior to joining Fannie Mae, Davis served in a variety of securitization, trading and capital markets roles at Merrill Lynch and First Republic Bank.  Davis holds a bachelor of arts from the University of North Carolina at Chapel Hill and a master of business administration in finance from the University of Maryland.   Education: ... (view full description)

Chris Deasy

Senior Solutions Consultant

Chris Deasy is the Senior Solutions Consultant supporting the Housing Finance and Capital Markets practice.  He is responsible for the delivery of data and analytics solutions that are leveraged by hundreds of entities across multiple verticals for the purpose of evaluating risk and opportunity in the capital markets space.   Prior to joining Equifax, Chris was a Securitization Consultant for Singer Meister Private Equity, where he provided advisory services related to private equity-backed securitizations.  Prior to that, Chris served as a Senior Analyst for Lewtan Technologies, a data and analytics firm that specialized in the development of data solutions and models for the se ... (view full description)

Mike Derstine

EVP, Chief Risk Officer
Enact Mortgage Insurance

Chris DiAngelo

Katten Muchin Rosenman LLP

Chris DiAngelo is managing partner of Katten's New York office and a member of the firm's Board of Directors and Executive Committee. He focuses his practice on structured finance and securitization matters. Chris represents a variety of clients, including issuers, lenders, underwriters and bond insurers, in a wide range of programs and projects involving asset-backed debt, municipal debt, straight corporate debt and equity, warehouse lines, regulatory matters and acquisitions.   Chris's clients describe him as a "significant market player" and say "He has the ability to zero in on the legal and business issues, explain them and then find an appropriate solution," according to  ... (view full description)

Michael Dryden

Managing Director
Sixth Street

Michael Dryden is a Managing Director of Credit Suisse in the Investment Banking division, based in New York. He is the Global Head of Asset Finance in Securitized Products. Formerly, he was Co-head of Residential Mortgage Finance, Head of European AF and most recently Head of AF Special Situations.  Mr. Dryden is part of the SP and AF Management teams and previously served on the European Fixed Income Operating Committee.   As the Global Head of Asset Finance, he is responsible globally for asset finance activity across residential mortgage, consumer, commercial, transportation, esoteric and commercial real estate assets, including principal, financing, advisory and underwriting ... (view full description)

Christopher Flanagan

Managing Director
Bank of America

Chris Flanagan is Head of US Mortgage and Structured Finance Research at Bank of America Merrill Lynch.   He was Head of ABS, CDO and CMBS Research at JP Morgan, where he worked since 2010. Prior to that, he held positions as the Head of ABS and MBS Research at Merrill Lynch.   In recent years, Chris has been highly ranked in various MBS and ABS categories in the Institutional Investor Fixed Income Research Survey and was widely recognized for his early call on the subprime mortgage collapse. He is ranked #2 for total number of appearances on the Institutional Investor team over the past twenty years.   He holds BS and MS degrees in Electrical Engineering ... (view full description)

Michael Fratantoni

Chief Economist, Senior VP, Research & Industry Tech
Mortgage Bankers Association

Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of the Mortgage Industry Standards Maintenance Organization (MISMO).  He also serves on the CSP's Industry Advisory Group. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist ... (view full description)

Jade Friedensohn

Managing Director

  Jade Friedensohn currently serves as  Group Managing Director of the Structured Finance and Asia Pacific Divisions of Information Management Network, a subsidiary of Euromoney Institutional Investor PLC. IMN is an organizer of best in class financial conferences spanning the globe. Jade has 16+ years’ experience creating and executing large scale events and managing a talented team of conference professionals.  Since that time, she has for expanded the business into new markets and asset classes such as Italy, China and Greece; and new sectors such as renewable energy and fintech. In addition to new business development, her responsibilities include oversight of a team of ... (view full description)

Daniel Goodwin

Emporium TPO LLC

Dan is the founder and President of Cleveland Park Advisors. Dan leverages over 25 years of experience in securitization, principal finance, and M&A to provide strategic advice to mortgage market participants. Previously, Dan was Director of Mortgage Policy for the Structured Finance Industry Group working with industry leaders and governmental bodies to shape regulations and laws impacting the mortgage securitization market.  Prior to that, Dan's longest tenure was at Bank of America Merrill Lynch, where he held a variety of positions over the years, including: Head of Advisory Services, Head of Asset Securitization and Principal Investing – Originations, and Co- ... (view full description)

Joseph Hissong

Essent Reinsurance Ltd

Joe Hissong is the President of Essent Reinsurance Ltd., a Bermuda reinsurance company specializing in mortgage risk, as well as the President of Essent Agency (Bermuda) Ltd., a Bermuda insurance agency that underwrites mortgage risks on behalf of other insurers.  Both companies are subsidiaries of Essent Group Ltd., a publicly traded company with a market capitalization of over $3 billion.  Mr. Hissong has over 25 years of experience in transactions in the financial services industry, with a focus on insurance and investments. Prior to joining Essent Re, he was the President of Cartesian Re, an asset manager specializing in insurance industry loss warranties.  Prior to Cartesian ... (view full description)

Max Jaeger

Head of NonAgency RMBS Trading
Wells Fargo Securities

Max Jaeger heads the Non-Agency RMBS Trading Desk at Wells Fargo Securities, responsible for trading Credit Risk Transfer, Legacy RMBS, NPL, RPL, and SFR sectors.  Max joined Wells Fargo Securities in 2015 after working at Deustche Bank and RBS/Greenwich Capital.  He holds a B.A. in Economics and a Masters of Engineering in Operations Research and Industrial Engineering from Cornell University

Crystal Jin

Director, Global Securitized Markets

Crystal is a Director on the Citi Non-Agency RMBS trading desk. Her current responsibilities are CRT, legacy RMBS and Jumbo 2.0. Prior to trading Non-Agency RMBS in 2008, she traded Agency Hybrids. She has been at the Citi since 2005.

Lindsey Johnson

U.S. Mortgage Insurers

Lindsey Johnson currently serves as U.S. Mortgage Insurers (USMI) President and Executive Director.  USMI is comprised of five of the six U.S. mortgage insurance companies in the country.  As President of USMI, Lindsey works with member companies to advance the value of private mortgage insurance (MI) to borrowers and to taxpayers and to promote a sustainable housing finance system backed by private capital.  Lindsey previously served as a Director on PwC’s public policy team, where she engaged policymakers on key public policy issues that impacted the firm.  Prior to joining PwC, Lindsey was a former member of the Senate Banking Committee staff as the Minority Staff Director for ... (view full description)

Raghu Kakumanu

Senior Vice President, Housing Policy and Capital Markets
Wells Fargo Bank LLC

Raghu Kakumanu is Senior Vice-President of Housing Policy and Capital Markets at Wells Fargo.  He provides leadership on Wells Fargo’s housing and mortgage policies across both primary and secondary markets, including work on housing finance reform, homeownership growth, credit availability and loan servicing.  On behalf of Wells Fargo, he also manages relationships and presents to a wide range of housing finance, mortgage industry and consumer advocate groups.   Raghu is a 14 year veteran of Wells Fargo.  Prior to his current role, he created and managed the financial reform office for Wells Fargo Home Lending where he led all mortgage regulatory work resulting from the Dodd-Fra ... (view full description)

Daniel King

Managing Director
Credit Suisse

Daniel King is a Director and Head of the Securitized Products Finance Structuring and Analytics Team at Credit Suisse.  Daniel has worked closely with the GSEs and MI issuers on their CRT programs.
Prior to joining Credit Suisse in 2011, Daniel held securitization analytics positions at Barclays Capital and Citigroup.
Daniel holds a BS in Quantitative Economics and Computer Science from Tufts University.

Youriy Koudinov

Vice President Senior Credit Officer
Moody's Investors Service

Youriy Koudinov , CFA, is a Vice President and a Senior Credit Officer at Moody’s Investors Service. Mr. Koudinov joined Moody’s in 2014 with over 16 years of fixed income and structured finance experience. At Moody’s, Mr. Koudinov’s role includes research, RMBS monitoring and investor outreach. Prior to joining Moody’s, Mr. Koudinov worked at Lewtan Technologies as a Director and at TIAA-CREF as the Director of Fixed Income Research in the Global Public Markets, where he focused on Non Agency RMBS and most recently oversaw securitized products research across RMBS, CMBS, CLOs, Consumer and Esoteric ABS. Mr. Koudinov also held research and portfolio management positions at TIAA-C ... (view full description)

Jeffrey Krohn

Managing Director
Guy Carpenter & Company, LLC

Jeff leads Guy Carpenter’s Global Mortgage Credit Specialty practice and has more than 25 years of experience in the insurance and reinsurance industry.  Jeff’s expertise in the mortgage insurance sector has been independently recognized:  he was named to Risk & Insurance magazine’s list of Reinsurance Power Brokers and his transaction covering European mortgage risk was highly commended at the Worldwide Reinsurance Awards.  Prior to joining Guy Carpenter in 2002, Jeff was with PricewaterhouseCoopers where he worked as a management consultant in the Corporate Strategy Practice for the firm’s Insurance Sector. Jeff received his MBA in Finance from Carnegie Mellon's Tepper Scho ... (view full description)

Donald H. Layton

Chief Executive Officer
Freddie Mac

Donald H. Layton is chief executive officer of Freddie Mac, a publicly traded company that is one of the largest sources of mortgage financing in the United States and a leader in the nation’s effort to ensure responsible access to mortgage credit for working families and also to finance workforce rental housing.   Layton has over 41 years of experience in financial services and as a corporate leader. He worked for nearly 30 years at JPMorgan Chase and its predecessors, starting as a trainee and rising to vice chairman and member of the three-person Office of the Chairman, retiring in 2004. More recently, from 2007 to 2009 he served as chairman and then CEO of E*TRADE Financial, ... (view full description)

Alex Levin

Director of Financial Engineering
Andrew Davidson & Co., Inc.

Alex Levin is Director of Financial Engineering at Andrew Davidson & Co., Inc.  He has developed innovative and efficient valuation models for mortgage-backed securities, including the Active-Passive Decomposition burnout model, the concept of prepay-risk-and-option-adjusted valuation, the method of Credit Option-Adjusted Spread and non-Monte Carlo shortcuts. His recent work focuses on the valuation of instruments exposed to credit risk, home price modeling, and projects related to the MBS crisis and credit-risk sharing.   Alex has been a speaker at both academic and practitioner events and has published a large number of papers. He is co-author (with A. Davidson) of the book ... (view full description)

Shawn Lynch

Senior Vice President

Shawn has over 30 years of professional experience focused on credit related risk and joined Trans Re in 1998.  Shawn currently manages the Guaranty Department in New York including Surety, Trade Credit, Political Risk and Mortgage Risk product lines.  Additionally, Shawn serves as President of Trans Re Underwriting Managers Agency, LTD wherein we offer underwriting services on behalf of client partners for Mortgage Risk Products (GSE’s and Private Mortgage Insurers).  Shawn also manages the Marine & Energy and Aviation product lines for NA.  Prior to joining Trans Re Shawn spent six years at Winterthur Re underwriting Surety and Credit business having started his career at Seaboard Sure ... (view full description)

Steve Mackey

Executive Vice President & Chief Risk Officer

Stephen Mackey joined MGIC in 2015 and is the company's Executive Vice President - Chief Risk Officer. He has more than 30 years of experience in the financial services industry, and came to MGIC from JP Morgan Chase & Company where he had held a number of senior leadership positions and most recently served as Managing Director, Firmwide Market Risk. His diverse background includes various leadership positions with Fannie Mae, where he worked for 13 years; managerial experience with the Office of Federal Housing Enterprise Oversight (the predecessor to the Federal Housing Finance Agency), which regulated Fannie Mae and Freddie Mac; employment with the Board of Go ... (view full description)

Richard Meyerholz

Head of Financial Risks North America
Partner Reinsurance Company

Richard Meyerholz is Senior Vice President and Head of Financial Risks at PartnerRe North America.  He is responsible for managing all the Surety treaty business as well as Crisis Management, Fidelity and Mortgage Insurance portfolios.  Additionally, he is responsible for developing niche product lines in North America.  Rich joined PartnerRe in 2001 as Vice President for Surety and assumed his current role in 2010.   Prior to PartnerRe, Richard worked for Sorema NA from 1998 to 2001 as Vice President and Department Manager for Surety.  Before then, he worked for SCOR Re; then as a primary Surety underwriter for Reliance and Travelers (formally Aetna C&S).  Richard Served as ... (view full description)

Suzanne Mistretta

Senior Director
Fitch Ratings

Suzanne Mistretta is a senior director in Fitch Ratings residential mortgage backed securities ratings group. She is responsible for US RMBS new issue ratings and surveillance, and North American covered bonds. Previously, Suzanne worked in Fitch's credit policy group where she was responsible for credit policy and global rating criteria with a focus on asset-backed and commercial mortgage backed securities in The Americas.

Suzanne began her career at Fitch as an RMBS rating analyst in Fitch's US RMBS group and was responsible for rating transactions and developing criteria.

Joe Monaghan

Chief Executive Officer
Aon’s Public Sector Partnership’

Joe is CEO for Aon’s Public Sector Partnership (PSP) which focuses on developing innovative solutions to help governments and other public institutions reduce volatility and increase the resiliency of their mission. The PSP is a global team of talented colleagues that have deep experience serving in government, insurance, reinsurance, and the capital markets. Prior to his role leading the PSP, Joe was the Strategic Growth Leader for Aon’s US reinsurance platform responsible for growth across all lines of insurance. He was also the founder of the Credit & Guaranty, and Government practice which led the development of innovative (re)insurance solutions for Fannie Mae and Freddi ... (view full description)

Ned Myers


Ned brings over 25 years of proven FinTech experience rapidly growing software, data, and information businesses in structured finance, mortgage and capital markets while managing marketing, sales, product, operations, and strategy functions. In this role as AlphaPoint’s Head of Product, Ned is charged with leading the product management and marketing of the company. Prior to joining AlphaPoint, Ned led the capital markets and government businesses for Black Knight Inc.’s Data & Analytics division, a leader in mortgage information. Ned also spent over two decades with Lewtan, a securitization data & software company, holding positions that included head of Sales and Marketing, Genera ... (view full description)

Paul Nikodem

Managing Director, Head of Securitized Products Research
Nomura Securities International, Inc.

Paul Nikodem is the head of US Securitized Products Research at Nomura. His key focus areas include CLOs, mortgage credit, and agency MBS. Paul and his team maintain a regular dialogue with numerous fund managers investing in securitized products, and frequently speaks on panels at industry conferences and is regularly quoted in the news media. In the 2018 Institutional Investor survey, his team was ranked #4 for CLO research and #2 for RMBS research, and in the 2018 Greenwich survey, Paul was the #2 most helpful CLO research analyst and the #1 most helpful RMBS research analyst.   Prior to joining Nomura in 2010, Paul was a senior mortgage ... (view full description)

Mark Palim

Vice President
Fannie Mae

Dr. Mark Palim is Vice President of Applied Economic and Housing Research at Fannie Mae. He is responsible for overseeing the Economic and Strategic Research Groups forecasting functions and manages multi-disciplinary partnerships across the company to address specific business issues facing Fannie Mae. Dr. Palim is a key spokesperson on economic and banking trends and a frequent speaker at national mortgage finance and housing industry events. Prior to working at Fannie Mae, Dr. Palim was an economic consultant for PricewaterhouseCoopers and for LECG. His practice focused on applying economic and financial theory to a variety of business disputes and policy questions. He worked ... (view full description)

Kevin Palmer

Senior Vice President, Single Family Portfolio Management
Freddie Mac

Kevin Palmer is SVP of Credit Risk Transfer at Freddie Mac. He is responsible for Credit Risk Transfer (CRT) for the Single Family business. In this capacity he leads all CRT efforts including the STACR securitization, Mortgage insurance, ACIS reinsurance, FWLS and other front end risk transfer offerings. In addition he is responsible for the Single Family costing process that assists in guarantee pricing.
Since 2001 Kevin has served in a variety of other positions at Freddie Mac including whole loan trading, non-agency ABS portfolio and risk management.
Kevin holds an MBA in Finance from Virginia Tech and a BA in Economics from Weber State University.

Jim Parrott

Owner, Falling Creek Advisors, Senior Fellow
Urban Institute

Jim Parrott is a senior fellow at the Urban Institute and owner of Falling Creek Advisors, which provides financial institutions with strategic advice on housing finance issues. Jim spent several years in the White House as a senior advisor on the National Economic Council, where he led the team of advisors charged with counseling the cabinet and president on housing issues. He was on point for developing the administration’s major housing policy positions; articulating and defending those positions with Congress, the press and public; and counseling White House leadership on related communications and legislative strategy. Prior to his time in the White House, Jim was counsel to Secretary S ... (view full description)

Craig Phillips

Counselor to the Secretary
U.S. Department of the Treasury

Mr. Phillips joined the Treasury in January 2017 and serves as Counselor to the Secretary. He assists the Secretary in a range of matters including domestic finance, domestic financial institution policy and housing finance policy and regulatory reform.   Since 2008 Mr. Phillips served as a Managing Director and Member of the Global Operating Committee of BlackRock, Inc.  Mr. Phillips was the global head of the Financial Markets Advisory Group in BlackRock Solutions which provided analytical and risk consulting services to a wide range of private and public sector organizations globally.   Clients included central banks, banking supervisors and multi-lateral organizations around ... (view full description)

Mike Reynolds

Vice President, Credit Risk Transfer
Freddie Mac

Mike Reynolds is the vice president of Freddie Mac’s Single-Family Credit Risk Transfer (CRT) program. CRT comprises capital markets, reinsurance, and mortgage insurance, including the Structured Agency Credit Risk (STACR®) and Agency Credit Insurance Structure (ACIS®) family of credit securities – multi-billion dollar programs that transfer mortgage credit risk to private investors. Mr. Reynolds has over 20 years of GSE experience and joined Freddie Mac in 2012 to help launch the Single-Family CRT program. Prior to Freddie Mac, he was vice president of strategic initiatives at Fannie Mae. Earlier in his career, he worked on automated underwriting. He holds a Bachelor ... (view full description)

Andrew Rippert

Founder, President & Chief Executive Officer
Portum Trust Inc

Andrew Rippert has been Chief Executive Officer of the Global Mortgage Group at Arch Capital Group Ltd. (ACGL) since January 2014 and served as ACGL’s Chief Executive Officer of Global Mortgage Insurance and Reinsurance from 2010. In 2016, Andrew led the acquisition of United Guaranty (UGC) from AIG, which included UGC’s US and Asian mortgage insurance operations. The Global Mortgage Group at Arch includes a network of operations that provide mortgage insurance and reinsurance on a global basis. Mortgage insurance companies under AGCL include Arch Mortgage Insurance – US, Arch Mortgage Insurance – Europe, Arch Mortgage Insurance – Australia and Arch Mortgage Insurance — Asia. The ... (view full description)

Bob Ryan

Special Advisor, Federal Housing Finance Agency, and Acting Deputy Director, Division of Conservatorship
Federal Housing Finance Agency

Bob Ryan joined the Federal Housing Finance Agency (FHFA) as Special Advisor to Director Mel Watt in January 2014.  Since July of 2015, he has also been the Acting Deputy Director for the Division of Conservatorship.   Prior to joining FHFA Bob served as Senior Vice President of capital markets at Wells Fargo Home Mortgage.  He was responsible for strategic policy impacting capital markets and the mortgage company.  From 2009 to 2012 he was Senior Advisor to HUD Secretary Donovan, the Acting FHA Commissioner and Assistant Secretary for Housing and prior to that first Chief Risk Officer for FHA.  In that capacity, Bob was responsible for establishing a new Office of Risk Mana ... (view full description)

Nicholas Sapirie

VP, Capital Markets
Fannie Mae

Nicholas Sapirie is Vice President – Capital Markets reporting to the Senior Vice President – Single-Family Capital Markets. Sapirie manages Investor Engagement and Advocacy for Single-Family Capital Markets, collaborating with all areas of Capital Markets to develop strategies on how to promote Fannie Mae’s offerings, regularly engaging with dealer research analysts, and educating investors on our programs. Additionally, he serves as an information conduit to the Single-Family Leadership Team about activities, policies, products, and other factors that may influence the performance of Fannie Mae’s securities. Previously, Sapirie served as Vice President – Capital Markets Analytics, pr ... (view full description)

Robert Schaefer

VP for Credit Enhancement Strategy & Management
Fannie Mae

Rob Schaefer is Vice President – Credit Enhancement Strategy and Management reporting to the Senior Vice President – Single-Family Capital Markets. Schaefer is responsible for developing and managing Fannie Mae’s approach for transferring credit risk to insurance providers – enhancing the company’s ability to manage credit risk for its book of business under varying economic scenarios. Additionally, he is responsible for managing Fannie Mae’s engagements with – and counterparty risk to – approved mortgage insurers. Previously, Schaefer held several Single-Family positions – including Director of the Trading Desk and Director of Product Development and Program Management. Prior to joini ... (view full description)

Tom Schopflocher

Senior Director, Structured Finance Research
S&P Global Ratings

Tom Schopflocher is a Senior Director with the S&P Global Structured Finance Research group. Prior to that, he worked as a financial economist consulting on securities litigation cases. Tom has also worked with various institutions as a strategist/modeler in the area of RMBS. He holds a Ph.D. in applied mathematics from the University of Western Ontario.

Faith Schwartz

Housing Finance Strategic Senior Advisor

Faith created an advisory services firm in 2016 to support on-going efforts to modernize the housing finance marketplace, bringing mortgage into the 21st century. Prior to this, Faith joined CoreLogic in 2013 to lead a Washington based effort in building business and relationships with the Government, non-profits, think tanks and universities.  She also led the public policy efforts for CoreLogic in Washington DC.  Prior to this, she was the leader of the crisis era HOPE NOW Alliance, a non-profit coalition created in 2007 to bring together, trades, servicers, lenders, investors, Federal Reserve Banks, Government agencies, and government-sponsored enterprises (GSEs) to help homeow ... (view full description)

Roman Shimonov

Managing Director
Annaly Capital Management

Roman Shimonov is a Managing Director within Annaly's Residential Credit team and is responsible for managing Annaly's CRT portfolio. Roman joined Annaly in 2014 from the Federal Reserve Bank of New York where he was involved in managing some of the Fed's Financial Crisis emergency lending facilities  and subsequently managed a team responsible for the analysis of mortgage markets and execution of large-scale asset purchases in Agency MBS. Prior to joining the NY Fed, Roman was a Vice President in Goldman Sachs' Structured Products Trading team. Roman holds a Bachelor's degree in Finance and Accounting from NYU's Stern School of Business and is a CFA Chart ... (view full description)

Kendal Sibley

Hunton Andrews Kurth LLP

Kendal focuses on federal income tax issues related to real estate investment trusts (REITs), structured finance and securitization, and investment funds. Kendal has experience in the representation of REITs, private investment funds, REMICs, publicly traded partnerships and other pass-through entities. Kendal has represented issuers, underwriters, servicers and guarantors in various aspects of federal income tax structuring of capital markets transactions and joint ventures. Before joining the firm, Kendal was a law clerk for the Honorable Karen J. Williams, U.S. Court of Appeals for the Fourth Circuit (2002-2004), and was a certified public accountant (1999). ... (view full description)

Gaurav Singhania

Senior Vice President, RMBS
Morningstar Credit Ratings

Gaurav Singhania, CFA, is senior vice president of residential mortgage-backed securities (RMBS) ratings and research for Morningstar Credit Ratings, LLC. He is primarily responsible for rating and producing research for RMBS and single-family rental transactions. Singhania has more than 12 years of experience in asset-backed securities (ABS) and RMBS ratings and research. Before joining Morningstar in 2014, he worked on RMBS transactions at Kroll Bond Ratings, and before that, he spent time at Credit Suisse in the research group. At Credit Suisse, Singhania followed trends in the housing sector and published several special reports, primers, market updates and weekly commentarie ... (view full description)

Matt Spoerlein

Head of CRT Trading

Matt Spoerlein joined StoneX in December 2020 as a Managing Director overseeing CRT and ABS secondary trading. Matt has 15 years of industry experience, having previously worked as a Managing Director at Bank of America running the CRT & AltA Trading efforts.  Matt has been routinely recognized by industry surveys and the GSE as a top liquidity provider in the space. Prior to trading Credit Risk transfer and legacy residential bonds, he worked on the Bank of America Consumer ABS trading desk 2007-2012. Matt graduated with a BS in Economics from Guilford College in 2006.

Mary Stone

Managing Director
Bank of America

Mary Stone (Managing Director, Head of Securitization and Advisory): Ms. Stone joined BofA Merrill’s Mortgage Finance group in 2009 where she is responsible for the residential mortgage securitization and advisory business. Ms. Stone manages a banking team responsible for structuring and executing mortgage transactions tailored to accommodate the needs of their clients. Prior to BofA Merrill, Ms. Stone was a Senior Vice President in the Lehman Brothers residential mortgage securitization team. Prior to joining Lehman Brothers, Ms. Stone worked in the securitization advisory practice at PricewaterhouseCoopers. Ms. Stone holds a BBA in Finance from The College of William and M ... (view full description)

Gina Subramonian Healy

Vice President, Credit Risk Transfer
Freddie Mac

Gina Subramonian Healy is the Vice President of Credit Risk Transfer.   In this role, Healy is responsible for overseeing all insurance risk transfer functions to transfer portion of single family credit risk in residential mortgage market including reinsurance (ACIS), mortgage insurance portfolio management and developing risk transfer strategies to support various forms of credit enhancement.     Prior to joining Freddie Mac, Healy was appointed as Chief Financial Officer of NASDAQ Europe (serving as an officer of parent NASDAQ Stock Market) where she was responsible for capital raising, strategic initiatives to expand globally, executing mergers & acquisitions, and managin ... (view full description)

John Vibert

Managing Director

John Vibert is a Managing Director and co-Head of Prudential Fixed Income’s Structured Product Team. Previously, Mr. Vibert was the lead portfolio manager for BlackRock’s mortgage credit portfolios and the lead trader for its non-agency Residential Mortgage Backed Securities (RMBS) trading team. Before joining BlackRock, Mr. Vibert was a managing director at Credit Suisse, where he was head of adjustable-rate mortgage trading and co-head of non-agency RMBS trading. Earlier, he was a mortgage trader at Morgan Stanley and worked as a quantitative analyst at Salomon Brothers. Mr. Vibert earned a BS in Engineering, with distinction, from Cornell University. & ... (view full description)

Ben Walker

Executive Managing Director
Aon’s Reinsurance Solutions

Ben Walker is an Executive Managing Director at Aon supporting clients with capital and risk transfer solutions for mortgage and credit default risks.  Ben leads a team of analytic professionals providing guidance on reinsurance decisions including financial modeling and reinsurance structuring for a wide variety of credit, mortgage, and traditional insurance lines of business. He also advises clients on special projects such as economic capital modeling, competitor analysis, and general research and development. 

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Contact Information
1120 Avenue of the Americas, 6th Floor
New York, NY 10036 USA

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


Event Contacts for 2nd Annual Credit Risk Transfer Symposium


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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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