CBA Webinars

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Jake Fowler

Mortgage Servicing – Regulatory readiness for both primary servicers and sub servicing oversight

Recorded On: 12/03/2020



Jeff Hulett , Promontory Mortgage and Consumer Lending Solution Center Leader, Promontory Financial Group, an IBM Company
Rachel Anderika, Director, Promontory Financial Group, an IBM Company
Tatum Crotinger, Director, Promontory Financial Group, an IBM Company
Brandon McKnight,
Senior Vice President of Operations, Promontory Financial Group, an IBM Company
Miles Ravitz,
Senior Principal, Promontory Financial Group, an IBM Company


This session will highlight regulatory expectations for a Compliance Management System (“CMS”), with a focus on mortgage servicing, based on federal requirements and investor guidelines in the wake of Covid-19 following the continued surge of mortgage delinquencies and defaults. The session will also highlight common pitfalls that servicer and sub-servicer experienced while quickly operationalizing a large number of regulatory and investor expectations.  Lastly, the session will conclude with a focus on key preventative solutions for enhancing your organization’s compliance risk management processes, thereby improving the overall framework related to mortgage compliance and operations.


  • Overview of key federal regulatory and investor expectations for a mature CMS Program and programmatic elements (e.g. Complaint Management, Issue Management, Risk Assessments, Monitoring) with a focus on mortgage servicing/sub-servicing
    Current Pitfalls & Trends with a focus on:
    • CARES/ FCRA compliance
      Potential for borrower harm
    Identification of Solutions
    • CMS Assessment/ Exam Preparedness
      Cognitive control solutions for managing control environment


  • Greater understanding of current regulatory landscape for mortgage servicers/sub-servicers.
  • Greater understanding of current industry landscape for  mortgage servicers/ sub-servicers.
  • Identification of solutions to address current mortgage servicing/sub-servicing challenges.

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Jeff Hulett

Promontory Mortgage and Consumer Lending Solution Center Leader, Promontory Financial Group, an IBM Company

Jeff draws on more than 25 years in financial services consulting and banking. He has deep experience advising clients on new business line development, operational leadership, functional risk management, and credit product management.

Jeff joined Promontory from KPMG where he was a managing director who specialized in financial services clients, advising them on credit operations, risk management, and analytics needs. Among his signature engagements, he led a 10-year, 30 bank Federal Deposit Insurance Corp. loss share engagement, including commercial and mortgage-related bank products and processes. He also led numerous assessments related to model governance, compliance, and enterprise risk management.

Prior to his time in consulting, Jeff was a senior vice president and senior credit officer at Rockland Trust Company, a bank based in Rockland, Mass. He was previously a senior vice president and general manager at Wells Fargo.

Jeff has an extensive background in mathematics, especially using data to drive organizational success. He has experience standing up robotic platforms utilizing machine learning and natural language processing and has developed and managed algorithms in credit and consumer-demand identification.

Rachel Anderika

Director, Promontory Financial Group, an IBM Company

Rachel advises clients on a broad range of regulatory issues, including problem-bank remediation, consumer compliance, BSA/AML, and institutions with complex commercial loan portfolios.

Before joining Promontory, Rachel spent 9 years with the Office of the Comptroller of the Currency (OCC) examining institutions of all sizes. She has a strong background in reviewing commercial credit, including commercial real estate, commercial and industrial, and asset-based lending. Recently, Rachel has worked extensively in helping problem banks remediate a variety of enforcement issues. She also has experience examining large and complex banks in the retail space, including credit card, installment, and home equity lending. Rachel is a graduate of the OCC’s Retail Excel Program which was designed to identify a cadre of professionals to work in large complex financial institutions in the retail credit space. She participated on the OCC’s cross-functional national home equity lending team where she conducted horizontal reviews to ascertain home-equity-lending risks and exposure in the national banking system. Rachel has also served as assistant portfolio manager of a $20 billion institution. Rachel was commissioned a national bank examiner by the U.S. Treasury in 2010.

Tatum Crotinger

Director, Promontory Financial Group, an IBM Company

Tatum draws on a strong and diverse background in consumer financial protection and lending regulations to help financial institutions conduct compliance testing and meet their regulatory obligations.

Prior to joining Promontory, Tatum spent three years in the regulatory-risk advisory practice of a Big Four accounting firm, where she developed and performed risk assessments on compliance-management systems, programs, and controls. She also developed and performed compliance testing and multiple fair-lending assessments, with a focus on the Home Mortgage Disclosure Act and regulation for preventing unfair, deceptive, or abusive acts or practices. Tatum previously spent several years as a compliance attorney working directly with federal and state regulatory agencies on mortgage servicing examinations and audits, as well as assessing compliance with federal banking laws and mortgage regulations. Additionally, she served as a consulting auditor as part of an Office of the Comptroller of the Currency foreclosure-related look-back review.

Brandon McKnight

Senior Vice President of Operations, Promontory Financial Group, an IBM Company

Brandon oversees the North America operational delivery of Promontory’s anti-money-laundering, customer due diligence, and asset reviews. He develops solutions to complex organizational problems while also maximizing operational efficiencies.

Prior to joining Promontory, he was the Senior Vice President of Operations at Stewart Lender Services (SLS), where he managed three acquisitions, two of which became profitable under his supervision. While at SLS, he also served as the Vice President of Product Development and Implementation, designing new products and managing implementation processes.

Brandon was also the Vice President of Operations at Claremont Information Systems, where he was responsible for day-to-day operations and expanded the company’s data footprint from 9% to 60%. Prior to that, he was the Director of Business Development at Gardner Signs, where he generated new business and managed strategic partnerships.

Brandon has a B.S. in Business and Administration and a J.D. from University of Colorado at Boulder.

Miles Ravitz

Senior Principal, Promontory Financial Group, an IBM Company

Miles draws on his background in enterprise risk management, quantitative finance, regulatory compliance, and program managementto advise clients on salient issues in risk management. He is well versed in governance, risk, and compliance frameworks, Basel risk-based capital requirements, and capital stress testing. As a Promontory employee, Miles has worked on engagements to establish ERM programs, perform risk assessments, evaluate compliance with regulatory expectations and infuse technology into risk and compliance processes. Prior to joining Promontory, Miles served as a consultant at Capgemini, helping clients validate credit risk models, carry out Basel III program assessments, develop pre-provision net-revenue models, and manage programs for regulatory compliance. Miles has also held a variety of roles at the New York Mercantile Exchange, where he had experience in both open-outcry and algorithmic trading. He has served as an adjunct professor at Touro College. Miles earned a B.A. in economics from Emory University, an M.S. in financial engineering from New York University, and is certified as a financial risk manager (FRM) by the Global Association of Risk Professionals (GARP).


12/03/2020 at 2:00 PM (EST)  |  Recorded On: 12/03/2020
12/03/2020 at 2:00 PM (EST)  |  Recorded On: 12/03/2020