Tricia Wang, a social scientist, consultant, and thoughtleader, is on a relentless quest to ensure technology serves humanity, fostering social impact at the intersection of data and humanity. Renowned for helping companies unearth pivotal customer behavior insights to unlock growth,Tricia co-founded Sudden Compass andhas advised industry giants like Google, Spotify, and P&G. As an acclaimed speaker, Tricia's enlightening keynotes and her TED Talk delve into AI, data, and their societal, economic, and personal impacts. Currently penning a book on how humans can be more human in the age of AI, Tricia is documenting an emerging skillset amongst those who work well with AI.

Lyle Radke joined Fannie Mae in 2013 and is a Principal of Collateral Risk/Policy. His team establishes and maintains policies for property eligibility, appraisals, and condo project standards. He holds a master’s degree in geology from Brigham Young University and is a certified residential appraiser in New Mexico. He advises the team on policy matters. Recent initiatives from his team include updated Appraiser Independence Requirements (AIR), adoption of the ANSI sq. ft. standard, valuation alternatives for certain purchase loans, the Undervaluation Risk Flag in Collateral Underwriter® (CU®), and the Uniform Property Dataset (UPD), and reconsideration of value requirements (ROV). Current workstreams include the Appraiser Diversity Initiative®, the next generation Uniform Appraisal Dataset, appraisal bias mitigation, hybrid appraisal requirements, and additional enhancements to CU. He is also responsible for Fannie Mae’s quarterly Appraiser Update newsletter and frequently speaks to lenders, risk investors, and appraisers about Fannie Mae’s collateral risk management policies, programs, tools, and vision for the future.

Scott and his team lead the effort for ongoing development and refinement of property valuation risk management strategies, and establishing oversight and prioritization for all appraisal quality issues and concerns. He is a state-certified general appraiser. Scott has held management positions previously with Bank of America, Goldman Sachs and GE where he helped build out and manage nationwide appraisal review teams. He received General Electric’s prestigious “America’s Award” in 2006 for significant contributions to the business (GE Consumer Finance) for conceptualizing and implementing collateral workflow efficiencies into securitization review. Scott has been a long time contributor to CRN and Valuation Expo events.

Thomas H. Humphreys is a career-long real estate appraiser. He grew up measuring houses with his father, an appraiser. In the course of the past 30 years, Mr. Humphreys has appraised property across the country. He is a hearing officer for the Davidson County Board of Equalization. He has been a contract investigator/reviewer for the State of Tennessee Department of Commerce and Insurance. He also assists attorneys who represent citizens accused of crimes. Mr. Humphreys is a partner in Appraiser eLearning and is the director of education for StoryboardEMP, LLC, an education media company.

Bryan S. Reynolds, CDEI™ is a KY/TN Certified General Real Property Appraiser, a registered agent with the TN State Board of Equalization and an AQB Certified USPAP Instructor. He has testified and appeared in various courts, planning and zoning boards as both an expert and as an agent making valuation arguments before local and state hearing officials and Administrative Law Judges. Reynolds is the owner of Bryan S. Reynolds & Associates, Reynolds Appraisal Service and a partner in Appraiser eLearning, www.appraiserelearning.com. He provides residential and commercial valuation services throughout the region and various educational offerings, mentoring, consulting and litigation support services throughout the country as well as being available for lectures and is well known for his Think Outside the "Check" Box approach.

Nathan Brannen is the Chief Product Officer for Restb.ai. Restb.ai is the leader in real estate computer vision solutions. Restb.ai’s artificial intelligence automatically tags and classifies property photos with real estate-specific information. Nathan specializes in partnering with industry innovators to implement AI technology.

At ABB Enterprise Software, Brannen was Global Product Manager. He wrote design requirements, maintained backlog and determined priority for Agile scrum team designing and creating a new shared software framework. Brannen oversaw the design, beta release, and successful general release of the product platform and was recognized with ABB Top Talent Award. Brannen also managed a software platform focused on helping energy utilitiesaround the world (developed and emerging markets) make operational and planning decisions by focusing on forecasting, generation optimization, market bidding, constraint modeling and future resource expansion Worked with clients from the six major continents to model their unique power portfolios and markets while executing projects ranging from local deployments to cloud based (Azure) solutions.

Brannen holds an MBA from IESE Business School (Barcelona) and a Bachelor of Science from Georgia Institute of Technology.

Ken DeFeo is a Senior Manager of Risk Management at Fannie Mae. He manages the team updating the Uniform Appraisal Dataset to better meet the needs of the mortgage industry and provide better clarity around appraisal reporting. DeFeo has worked in the Mortgage and Real Estate industry for 30 years with extensive experience in loan origination fulfillment, quality control and servicing valuations. At BNC Mortgage in 1995, he helped drive technological expansion while maintaining quality. DeFeo then worked on vendor contracts for JP Morgan Chase, where he also oversaw the startup of a QA department to validate vendor quality and internal audits. He then oversaw appraisal operations and was tasked with improving visibility around appraiser quality and the customer experience.

Sean Murphy is a Certified Residential appraiser, appraising residential real estate since 1992. As Freddie Mac’s Credit Policy Risk Analytics Manager, he manages the Freddie Mac team of appraisal experts in the redesign of the Uniform Residential Appraisal Report (URAR); a joint effort with Fannie Mae to update the Uniform Appraisal Dataset (UAD) to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization in the appraisal process and the mortgage industry. Originally hired by Freddie Mac for the creation and design of the Loan Collateral Advisor (LCA); a web-based tool that analyzes appraisal reports and provides a view of appraisal quality and valuation risk. Prior to Freddie Mac, Sean supervised the calibration of the cost and market models for all residential real estate assessments for Fairfax County, Virginia’s most populated county.

Damien Weldon is Director, Product Management of ICE Valuation Analytics, where he oversees product management and data science for automated valuation models and collateral products. A seasoned practitioner, he has over 20 years’ experience in quantitative solution development. Before joining ICE, he was managing director, business development at Vichara Technologies. Prior to Vichara, he held a number of senior business development, product management, and data science roles at CoreLogic. Damien has a bachelor’s in science in physics and mathematics from the University of Dublin and a master’s of science in mathematical modeling and numerical analysis from the University of Oxford.

Toni Moss is the founder and CEO of AmeriCatalyst LLC and EuroCatalyst BV, “sister” advisory firms with specialized services for investors and companies engaged in global housing finance, residential real estate and Single Family Rental (SFR). She is also Chairman of the Board of The AmeriCatalyst Idea Lab, a non-profit that generates viable ideas to improve the products, processes and practices of the housing industry, as well as stabilize and sustain the housing ecosystem.

Toni is a very unique force in housing; with an entrepreneurial background in corporate intelligence, strategy and scenario planning, market positioning and trend forecasting, she is both a catalyst and connector to move agendas forward. Moss has hands-on operational and senior management experience in 23 national markets around the world, and is one of few housing experts with a truly global perspective on the industry.

In one of the most important roles of her career, From 1996 to 2001 Toni was the Director of Corporate Development for Bouwfonds in the Netherlands. In that role, she was instrumental in facilitating the first mortgage securitization in Continental Europe, and was pivotal in creating the first and largest third-party, cross-border servicer in Europe; the world’s first structured covered bond, and the world’s first shared servicing utility (in Spain). From 2001 to 2009, she was responsible for some of the largest new market / cross border entries for firms engaged in investment banking, mortgage origination, mortgage servicing, mortgage insurance, and title insurance in the European Union.

Cathy Putegnat is an appraiser, consultant, and author. With a career spanning almost two and a half decades, Cathy has established herself as a trusted professional in the industry. Throughout her career, Cathy has kept pace with the ever-evolving real estate landscape, staying informed about the latest industry regulations, advancements in technology, and valuation methodologies. Cathy has a dedication to constant professional development and learning.

Cathy has been an independent business owner for most of the span of her career beginning in Colorado. After spending 5 years in Colorado, Cathy and her family left the mainland and spent the next 12 years living, breathing, and working in the beautiful islands of Hawaii. During that time, Cathy not only was the owner and operator of her appraisal firm, she was also the chief consultant for Appraiser Aide, a data entry company for Appraisers across the country. In 2018, Cathy and her husband left the islands and she continued her professional career path in Oregon and Washington. Cathy currently serves on the State of Oregon Appraisal Board, has served on the board for the National Association of Appraisers, and continues to serve on committees for the National Association of Appraisers. In her free time, Cathy enjoys hiking, spending time at the coast, sky-diving, and spending time with her family.

Andrew Komaromi is Director of Business Planning & Analysis at Stewart Valuation Intelligence. Andrew sits on Stewart's corporate-wide Artificial Intelligence Council, bringing over a decade of experience in strategic data analytics and business insights. Growing up professionally within an Appraisal Management Company (AMC), Andrew uses his industry knowledge to distill complex data into actionable strategies, now further amplified by artificial intelligence. Leveraging advanced machine learning and large language models, he continuously drives data accuracy, operational efficiency and strategic insight. Under Andrew's guidance, Stewart Valuation Intelligence confidently stands as the industry's premier AMC, pioneering forward-thinking innovations at the intersection of data analytics and artificial intelligence.

Peter Christensen is an attorney. His law practice is focused on providing legal counsel for matters concerning real estate valuation services and insurance coverage. He's the author of Risk Management for Real Estate Appraisers and Appraisal Firms published by the Appraisal Institute. His clients include appraisers, appraisal firms and management companies, as well as investors and technology companies. Prior to forming the Christensen Law Firm (www.valuationlegal.com), Peter worked with the national law firms of Latham & Watkins LLP and Irell & Manella LLP. For 14 years, he then served as the general counsel of LIA Administrators & Insurance Services, which provides liability insurance to thousands of appraisers, appraisal firms and right-of-way service providers. He continues to provide risk management education on behalf of LIA. Peter earned both his BS and JD at the University of California at Berkeley.

Jeff Bradford is the founder and CEO at BradfordTechnologies which has been serving the appraisal profession for 36 years. Mr. Bradford has been recognized by the Mortgage Bankers Association and the Collateral Risk Network as a Tech All Star and a Valuation Visionary for his innovations in property valuation.

Prior to founding Bradford Technologies, Mr. Bradford worked at companies such as Apple Computer, Structural Dynamics Research and FMC Central Engineering Labs. He holds three master’s degrees: Engineering Mechanics from the University of Texas; master’s in Computer Science and an MBA, both from Santa Clara University.

Paula K. Konikoff, JD, MAI, AI-GRS of Los Angeles, is the 2025 president of the Appraisal Institute. As president, she serves on AI’s Executive Committee and chairs the policy-setting Board of Directors. Konikoff started her career in advertising and quickly moved to law. She joined the corporate department of a large firm in 1978, where her practice focused on corporate governance and mergers and acquisitions. This corporate practice had her review financial statements and appraisals of both businesses and real estate. Konikoff became active in the AIREA (a predecessor organization to the Appraisal Institute) as a member of her chapter’s Admission Committee and as an instructor. She went on to the Appraisal Institute’s Standards Committee and Ethics Committee. She was also on her chapter’s board of directors. When her term on the Appraisal Standards Board ended, she was appointed to AI’s Professional Standards and Guidance Committee (then ASC), and has been a member or, more often, chair of that national committee since 2010.

Most recently, she was instrumental in the creation of the Women’s Initiative Committee and was the first chair of that committee starting in 2019. Konikoff has made presentations to AI chapters, regions and at the annual conference. She is the author of the book, “Appraisers in Arbitration,” the developer of online seminars, was on the development team for the AI-GRS qualifying education and is a reviewer of textbooks and articles submitted to The Appraisal Journal. She was also a member of the Body of Knowledge Committee. Konikoff has been honored twice with the AI President’s Award and once with the Y.T. and Louise Lee Lum Award.

Craig Capilla is a trial lawyer with Franklin, Greenswag, Channon & Capilla, LLC, concentrating his practice in a wide range of civil litigation, including professional liability and commercial claims. He has successfully defended real estate brokers, brokerage firms, residential and commercial appraisers, appraisal firms, and appraisal management companies accused of negligence or improper activity in their real estate and valuation services. Craig has also represented numerous licensed professionals in state licensing matters including real estate brokers, real estate appraisers, appraisal management companies, mortgage loan originators and brokers, and others. He has represented clients in both state and federal lawsuits as well as licensing matters in a number of states including Illinois, Wisconsin, Minnesota, Maryland, Idaho, Michigan, Colorado, Indiana, Kentucky, Kansas, Tennessee, Delaware, and California.

Craig is authorized to practice law in Illinois, Wisconsin, several Federal districts, the United States Court of Appeals, 7th Circuit, and is a member of the trial bar of the United States District Court for the Northern District of Illinois. He is also a member of the National Association of Appraisers, the Illinois Coalition of Appraisal Professionals, the South Carolina Professional Appraisers Coalition, the Ohio Coalition of Appraisal Professionals, the Association of Texas Appraisers, the National Association of Realtors, Illinois Realtors, the Chicago Association of Realtors, and sits on the board of directors for the Northern Illinois Commercial Association of Realtors.

With nearly 30 years of experience in the Appraisal Industry, Jared Preisler has established himself as a seasoned independent fee appraiser dedicated to serving Northern Utah. He is currently the Chief Appraiser at DataMaster and also serves as the Weber County Assessor. Jared balances these roles while continuing to work as an independent fee appraiser.

Jared has earned two designations from the Appraisal Institute, SRA and AI-RRS. In 2014, he was certified as a national instructor for the Appraisal Institute. In 2018, he became an AQB-certified USPAP Instructor. His industry leadership extends to the Directors Board of the Utah Chapter of the Appraisal Institute, where he has served previously as president, vice president, and currently as education chair and government relations chair. Additionally, since 2010, Jared has served as a board of trustee member and is the current Vice President of the Utah Association of Appraisers (UAA).

Jared’s dedication to education is evident through the development of numerous Continuing Education (CE) courses for the real estate profession. Leveraging his roles at UAA, the Utah Chapter of the Appraisal Institute, and as Chief Appraiser for DataMaster, he continues to contribute significantly to professional development.

Before entering the appraisal field, Jared earned a Bachelor of Science degree from Weber State University. His diverse background includes ownership of a remodeling and construction company, a home inspection company, and he owned 64 rental properties. In his personal life, Jared finds joy in family moments with his wife Lisa, their five children, and five grandchildren. He loves traveling with Lisa, playing with the grandkids, cycling, and golf.

Shawn Telford is Chief Appraiser and Valuation Officer at Cotality. Telford brings extensive expertise encompassing mortgage lending, risk management, collateral valuation, and technology development. Telford drives innovation through the integration of technology, analytics, and data to solve important lending problems. Throughout his professional journey, he has adeptly led multiple initiatives and teams focused on conceptualizing and implementing software as a service (SaaS) solutions, along with automated risk-based collateral review systems for the lending industry. Telford is a Certified Residential Appraiser. He contributes to the real estate lending industry in numerous roles and initiatives, including as a member of the Appraiser Qualifications Board (AQB) and was previously a member of the Appraisal Standards Board (ASB). Telford holds an MBA, an MS in Computer Information Systems, and a BS in Business Management.

George is Senior Principal – Market Lead: Government & Capital Markets. George joined Cotality (formerly CoreLogic) in February 2012, bringing an extensive background in commercial & corporate real estate data and technology platforms, as well as commercial development & asset management experience.

George’s work with the US Federal Government is anchored by Cotality solution and analytic offerings with the Federal Emergency Management Agency (FEMA). Cotality supports FEMA in both its hazard mitigation efforts as well as FEMA’s hazard event response program, providing post-event data and analytics in support of in-field recovery efforts.

George is the Natural Hazard SME for Cotality engagements with other Federal Agencies, including the Federal Reserve Bank, the US Treasury – Office of Financial Research, the Veteran’s Administration, and additional Federal Agencies.

George has also taken a leading role in industry groups and initiatives, presently serving as Education Chair of the
Mortgage Industry Standards Maintenance Organization (MISMO) ESG CoP (community of practice), as well as the Structured Finance Association (SFA) ESG Benchmarking Committee for MBS Policy. George was named a “HousingWire Insider 2023” for his industry work supporting natural hazard education.

Nick Conteduca is a seasoned appraisal industry leader with over 20 years of experience spanning valuation, technology, and business strategy. He’s helped grow some of the largest appraisal firms in the country—building, merging, and scaling operations with a focus on quality, efficiency, and innovation.

As Chief Strategy Officer at Banks Valuation, Nick brings a unique perspective shaped by years of working closely with appraisers, lenders, AMCs, realtors, and homeowners. He has led the development and launch of order management systems, inspection apps, valuation tools, marketing campaigns, and learning management systems—all designed to elevate performance across the industry.

At the core of his success is a passion for building strong relationships and connecting the right people and organizations to accelerate growth. Whether it’s product innovation, operational strategy, or partnership development, Nick is focused on moving the industry forward—together.

Jeff Dickstein is responsible for Stewart Valuation Intelligence’s compliance with all state, federal and industry regulations. Having spent his entire professional career within the mortgage industry, Dickstein has worked as a loan funder, underwriter, processor, loan officer and residential appraiser. For more than a decade, he has specialized in all aspects of regulatory compliance on behalf of SVI’s portfolio of clients — working diligently to ensure that our products, policies and processes adhere to all applicable regulations, statutes and laws.

Jeff is currently President of the Real Estate Valuation Advocacy Association (REVAA), he is also a Certified Residential Appraiser in 19 states.

Jake Lew is the Co-Founder and CEO of Aivre, a pioneering real estate technology company that utilizes artificial intelligence to streamline and enhance the appraisal process. Under Jake’s leadership, Aivre is at the forefront of integrating advanced tech solutions to ensure compliant and efficient real estate appraisals.

Jake’s professional background includes certification as a Certified Residential Appraiser, which provides him with a deep understanding of the appraisal industry. His expertise is further demonstrated through his role as a Board Member for the Real Estate Appraisers Board (LARA) in Michigan, where he contributes to the development and implementation of industry standards.

A graduate of Michigan State University with a bachelor’s degree, Jake combines his academic background with practical experience to drive innovation and excellence in the real estate sector. His dedication to advancing the industry is evident in his work at Aivre and his contributions to regulatory practices.

Jessica Jenkins-Tomé is a respected collaborator and seasoned expert in valuation and risk management, bringing over two decades of industry leadership to the mortgage space. As Director of Property Risk Management at Freedom Mortgage and a former Chief Appraiser, Jessica has mastered the art of navigating complex appraisal challenges while driving institutional change with precision and intent.

A Certified Residential Appraiser by trade, Jessica has built her career on the principles of strategic influence and operational excellence. She has led high-performing teams, reengineered quality control frameworks, and forged trusted partnerships across the appraisal ecosystem — always with a sharp focus on elevating standards and minimizing risk. Her ability to balance industry demands with forward-thinking solutions has made her a sought-after advisor and voice of authority in collateral risk.

Jessica’s prior roles include leadership at Citibank, Temple View Capital, Homepoint, and several respected national Appraisal Management Companies, where she consistently turned insights into action and positioned her teams to lead. Her impact extends beyond organizational walls: she has cultivated influential industry relationships and built cross-functional alliances that amplify her reach and drive long-term value.

With a leadership style grounded in empowering her teams, clarity, and collaboration, Jessica continues to shape the future of property risk — not by following the rules, but by understanding them deeply enough to lead with intention, earn respect, and deliver results.

Jeff Hogan, Chief Appraiser for Valligent (a Veros Real Estate Solutions sister company), is an accomplished leader with a proven record in fostering transparency, diversity, and reliability within the appraisal profession. He regularly engages with government-sponsored enterprises (GSEs), government agencies, and policymakers to drive advancement within the industry. Jeff's previous tenure was as senior review appraiser for Banc of California, further leveraging his expertise in leadership roles at major financial institutions, including Bank of America and Citigroup. His commitment to cultivating transparency and inclusivity within the appraisal profession sets him apart, as he continuously seeks opportunities to enhance and provide reliable and unbiased appraisals, standards, and practices.

Jeff has a master’s degree from the University of Redlands and a bachelor's degree from Cal State Fullerton University. He is also a designated member of the Appraisal Institute and holds the SRA and AI-RRS designations.

Josh Jensen is the CEO and Co-Founder of Inspectify, a venture-backed technology platform transforming how inspections, underwriting, valuations, and property data are leveraged in real estate. An avid real estate investor himself, Josh has personally flipped over 50 properties and manages dozens of short and long term rentals through a family office focused on real estate investing. Josh’s mission is to empower investors, lenders, and operators with consistent, scalable property intelligence to drive smarter decisions. A frequent speaker and thought-leader at top real estate and proptech conferences, with hundreds of public speaking engagements under his belt, Josh is widely recognized as a leading voice in real estate investing, operations, and data innovation.

As President of Valuations at Restb.ai, Tony Pistilli is responsible for providing direction to the application of Restb.ai’s products and services for the valuation segment of the real estate industry, working with the product team to develop and expand the suite of offerings and prioritizing development initiatives. Tony also plays a vital role in expanding Restb.ai’s reach in the valuation and appraisal industry, as well as fostering relationships with lenders and related industry partners.

Tony has over 30 years of executive-level real estate valuation and lending experience, including working with national banks, mortgage companies, federal agencies, and leading appraisal management firms. He is a certified residential real estate appraiser in Texas and served as Chair of the Colorado Real Estate Appraiser Board and is an AQB Certified USPAP Instructor. In 2011, he was the first recipient of the Valuation Visionary Award presented by the Collateral Risk Network at Valuation Expo.

Jim Cutillo is a recognized pioneer in mortgage technology, with over 25 years of experience building and scaling fintech platforms. Throughout his career, Jim has focused on solving one of the mortgage industry’s most persistent challenges: its reliance on manual human labor to manage processes and review documents. As the Founder and CEO of Alpha7x, Jim is leading the development of a patent-

pending AI-driven platform that replaces labor-intensive tasks with intelligent digital agents, enabling mortgage originators, servicers, and third parties to scale efficiently without increasing headcount. By leveraging agentic AI, Alpha7x eliminates operational friction and automates workflows across the mortgage lifecycle.

\Jim previously founded AppraisalVision, a technology platform built to modernize the home valuation process. He recently integrated Alpha7x into the AppraisalVision platform to reduce the amount of manual labor required to manage the appraisal process and review appraisal reports—delivering faster turn times, improved quality, and lower costs. Earlier in his career, Jim founded Stonegate Mortgage Corporation and scaled it into a top 10 national mortgage lender with more than 1,500 employees and over $300 million in annual revenue, culminating in a successful IPO in 2013.

Andrew joined Class in November 2023 bringing decades of highly relevant industry experience. He began his career as a certified appraiser, giving him a unique understanding of the industry from the ground up. He has held senior leadership positions at several major companies, including Valuation Connect, Solidifi, and Chase. Throughout his career, Andrew has demonstrated ability to drive growth, improve efficiency, and deliver exceptional client service. His strategic vision and hands-on approach help Class Valuation achieve unparalleled operational excellence in all aspects of its business.

With nearly 20 years of experience in the mortgage, real estate, and appraisal industries, Kimberly has built a career defined by leadership, innovation, and measurable success. Starting as a real estate agent in 2006, she quickly established herself as a trusted professional known for exceptional client service and market expertise. Over time, she transitioned into leadership roles, where she has consistently driven operational excellence and delivered transformative results.

Currently serving as Program Director for ACI at First American Financial, Kimberly oversees all aspects of the business, including operations, product strategy, and financial performance. She is leading a multi-million-dollar initiative to develop ACI’s flagship software, positioning it as a cornerstone of the company’s future growth. Her leadership has also driven a company-wide reorganization, enhancing efficiency and scalability while streamlining operations. Kimberly’s expertise spans business architecture, product strategy, and operational strategy, with a proven ability to lead high-performing teams and foster cross-functional collaboration. She is skilled in mentoring and developing talent, driving innovation, and aligning organizational structures with strategic goals. Her ability to navigate complex challenges has made her a trusted leader in the organizations she has served.

Kevin Hecht, MNAA, CDEI, ChE Chartered Economist^®, AQB Certified USPAP Instructor, has been a real estate appraiser since 1987 and currently holds a Certified Residential appraiser license in Missouri. As a McKissock Learning instructor, Kevin specializes in market analysis, USPAP, and real estate economics. His teaching style is highly adaptable and individualized. In addition to being an appraiser, Kevin is an Adjunct Professor of Economics and enjoys researching and examining the economy.

Rachel Robinson is the Director, Collateral Policy and Product Development, Rocket Mortgage and responsible for creating policy specific to collateral and developing new and innovative products in the collateral space within the Rocket Mortgage Capital Markets team. The Collateral Policy team explores new ways to approach traditional offerings around valuation, natural disaster management, and leveraging data to mitigate collateral risk. Rachel joined Rocket Mortgage in 2004 as a Loan Officer. After spending eight years in that space, she transitioned to leading an internal process improvement team. In that role, Rachel was responsible for evaluating efficiencies of current processes and building out new processes or system enhancement to improve efficiency or client

experience. She then moved into leading the Government Credit Policy and Product Development team, immediately preceding her current role, where her team was responsible for creating and maintaining all policy and product development for VA, FHA, and USDA. Rachel recently served as the Chair of the Residential Loan Production Committee for the Mortgage Bankers Association, is the former FHA Subcommittee chair for MBA and serves on numerous housing policy working groups. Rachel holds a Bachelor’s degree from Wayne State University and a Master’s degree from University of Phoenix.

Scot Rose is the Chief Strategy Officer for Quantarium. Scot is a nationally recognized leader at the convergence of real estate, valuation science, and regulatory technology. With a career defined by executive vision and operational execution, he brings rare depth across housing policy, collateral risk, and innovation in the secondary mortgage market. His work spans both the public and private sectors, where, blending vision with execution, he has consistently helped define the modernization agenda for the valuation industry. As the former Chief Innovation Officer at Class Valuation, Scot architected the company’s evolution into a top-tier, tech-forward valuation provider. Now as Chief Strategy Officer at Quantarium, he is guiding the deployment of advanced AI, data science, and computer vision to build next-generation platforms for property intelligence, risk modeling, and regulatory-grade valuation.

Scot is a sought-after advisor to lenders, investors, and regulatory bodies for his ability to bridge legacy infrastructure with scalable, compliant, and forward-engineered solutions. His insights shape how property value and risk are defined in a digital era—one now standing at the threshold of an Agentic AI transformation poised to redefine decision-making, automation, and systemic intelligence across housing finance. With his rare combination of regulatory fluency, technological acumen, and industry foresight, Scot is uniquely suited to help lead this next evolution.

Mike Scarpa is a Certified Appraiser with 29 years of experience in the industry. He began his career in 1996 as a field appraiser in Salt Lake City, where he was trained by his father and two brothers. After moving to and appraising in Lake Havasu City, Arizona for 7 years Mike joined Fannie Mae’s Dallas location in 2010. During his tenure at Fannie Mae, he held progressive roles, providing leadership and training on multiple review teams and projects before joining Freedom Mortgage in 2021. He is also a member of the National Association of Appraiser and serves on their Government Affairs Committee.

In his current role as Vice President of Property Risk Management at Freedom Mortgage, Mike provides SME support to senior leadership and government affairs while also being responsible for oversight of originations and servicing valuation vendor quality, compliance, quality control, and appraiser quality monitoring. Mike holds a degree in Organizational Leadership with a Certificate/Minor in Applied Data Analytics from Arizona State University.

Ronyelle Banks is the Director of Product Management at ICE Mortgage Technology. Leveraging her 20+ years in financial services, she is dedicated to enhancing operational efficiency and customer experience. Her expertise lies in strategic planning, cross-functional collaboration, and implementing technology solutions to optimize business processes. Ronyelle holds a Bachelor of Science degree in Organizational Leadership and is a licensed California Real Estate Salesperson.