Financial Brokerage

This expert is the principal consultant at a banking and financial consulting firm. This expert provides technology consulting to investment Banking companies, major Commercial Banks and National Brokerage firms. This expert has designed and implemented specialized database and real time on-line financial applications. This expert has worked with the Foreign Exchange & Reserve Banking departments for the Federal Reserve Bank. This expert has participated as an expert witness in approximately 20 matters. This expert has given a dozen depositions and has testified in a number of trials and hearings.

This expert is a Certified Regulatory Compliance Professional and brings many years of securities industry expertise to the table. This expert's career includes serving as Chief Compliance Officer of public and private financial services institutions, managing and directing the AML, compliance, controls and risks of various businesses in the financial services industry and years of sales and management in other retail businesses. This expert held Municipal Principal responsibilities at financial services and supervised options business at financial services institutions as either Senior Registered Option Principal or Compliance Registered Option Principal. This expert served on the FINRA Committee that created the Operations Professional Series 99 and is a frequent panelist and facilitator at industry conferences and regional and national meetings. This expert is well-prepared to serve as an expert witness for financial services institutions from testifying as the company representative for three financial services institutions in 15 arbitrations. To remain prepared for paid board service this expert is trained in SOX requirements.

This expert has many years' experience with financial institutions, and specifically with the lending, underwriting, and refinancing of real estate transactions. This expert has been designated as an expert witness in over eighty matters and has extensive experience in drafting expert reports for both state and federal litigation matters. This expert's skill as an expert witness brings to bear experience as a Bank President, the CEO of a mortgage brokerage, and Vice President and Chief Lending Officer at more than one lending institution. This expert understands the complexities of financing and refinancing and has had direct responsibility for lending and its ancillary evaluation tasks.

This expert leads a national consulting practice. This expert specializes in a wide array of real estate and mortgage specialties, including bank fraud, mortgage origination, underwriting, and sub-prime/stated income fraud analysis. This expert provides litigation consulting and expert witness services, as well as financial research and damage calculations.

This expert’s firm has been retained in over 500 civil and criminal cases, and worked with clients as varied as banks, insurance companies, state government agencies and escrow companies.   Two cases concerned FHA brokerage operations. Some of the services this expert provides include:

Litigation Consulting in Civil & Criminal Cases

Mortgage Document Review and Analysis

Evaluation of Bank Underwriting Practices

Evaluation of FHA/VA Underwriting Practices

Lenders' Standards of Care & Due Diligence

Predatory Lending Abuses

Mortgage Broker Malpractice

Real Estate Broker Standards and Practices

Title Issues (title chain, zoning) and Interpretation

Escrow and Title Procedures & Closing Practices

Real Estate-Related Economic Damages

Short Sale Fraud & Wrongful Foreclosure Actions

Lenders' Misconduct in Processing Loan Modifications

Dual-tracking: Loan Modification Concurrent with Foreclosure