APPLIED COMPLIANCE TRACK: Loan Originator Compensation

SVP, CCO, Guild Mortgage Company

Bella Guerrero is Guild Mortgage Company's SVP, CCO. She leads the company’s compliance function, including licensing, monitoring, marketing compliance, complaint oversight, quality assurance, vendor oversight and examination management functions. She is responsible for identifying and addressing areas of risk and ensuring company operations are being conducted in accordance with applicable laws and regulations. Bella began working in Guild’s Compliance Department in 2008 and spent eight years as the Company’s Vice President, Compliance and Managing Counsel. Previously, she held a leadership position at a local San Diego mortgage lender overseeing their compliance and quality assurance functions. Bella earned her juris doctor from the CA Western School of Law and her bachelor's from NYU.

Partner, Blank Rome LLP

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

Partner, Ballard Spahr LLP

Meredith S. Dante is a Partner in Ballard Spahr’s Litigation Department and is a member of the Firm’s Labor and Employment Group. Meredith represents employers in a broad range of labor and employment disputes across industries, including financial services. She partners with clients to proactively identify issues and devise legal solutions that are specifically tailored to the client's workforce and business needs. She regularly advises clients in matters involving social media policies, compliance programs, discrimination, whistleblower complaints and retaliation, wage and hour issues (including LO comp agreements), reductions in force, restrictive covenants, the Family and Medical Leave Act and other leave laws, the Americans with Disabilities Act and other accessibility issues.

Managing Partner, Garris Horn LLP

Troy Garris is Co-Managing Partner of Garris Horn LLP. A business owner’s lawyer, Troy prides himself on a results-oriented, pragmatic approach to legal and compliance for mortgage companies and banks. Troy deals with federal and state compliance, regulatory enforcement defense, company formation, and mergers and acquisitions. In these areas, he represents independent mortgage bankers, community banks, lenders, servicers, builders, title companies, secondary market investors, and equity funds. He is frequently involved in matters involving LO Compensation, RESPA, TILA, Fair Lending, FHA, social media marketing, and other issues, and appears in matters before the CFPB, HUD, FTC, and state banking agencies.

Partner, Husch Blackwell LLP

Leslie advises financial institutions and mortgage companies on the complex web of federal law that regulates the financial services industry. Leslie provides a variety of lenders with a comprehensive understanding of how federal laws and regulations impact their business operations. She guides clients around and through the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act, RESPA, TILA, TRID, Loan Originator Compensation Rule, FCRA, ECOA, HMDA, UDAAP prohibitions, as well as fair lending and financial privacy laws, and other consumer finance regulatory matters. Leslie also assists companies in successfully navigating supervisory examinations and counsels on the requirements of the CFPB, FTC, GSEs, FHA, and VA.