BREAKOUT SESSION: Financial Management Strategies that Return Profitability

Seth D. Sprague, Jr., CMB

Director, Consulting Services, Richey May

With extensive experience in mortgage banking and mortgage servicing, Seth Sprague leads the Mortgage Banking Consulting Services practice at Richey May. A sought-after speaker, he often speaks on liquidity and the overall challenges in the mortgage industry. Sprague joined Richey May from the STRATMOR Group where he was a principal. Prior to joining STRATMOR, he was EVP of Trading and Analytics at Phoenix Capital. Sprague also served as SVP, Servicing Asset Manager at SunTrust Mortgage for more than 10 years, where he developed and led their servicing rights valuation team. His career also includes accounting, analytics and auditing roles at Bank of America, KPMG LLP, and United Financial Inc. Seth holds the designation of Certified Mortgage Banker (CMB) from the MBA.

Michael Fontaine, CMB

Co-President/COO, Plaza Home Mortgage, Inc.

Since 2004, Mike has played a key role in the evolution and success of Plaza Home Mortgage. He shares the responsibilities for the day-to-day operations of the company's businesses and oversees Plaza’s National Correspondent Division. In addition, Plaza’s Finance, Strategic Planning, Capital Markets, Risk and Compliance, Operations, IT, Legal, Marketing, Human Resources and Servicing groups all report to Mike. He is a member of the Freddie Mac Advisory Committee, the California Mortgage Bankers Association's Board of Directors and holds the Certified Mortgage Banker designation from the Mortgage Bankers Association. A Certified Public Accountant, Mike has a Bachelor's degree in Management Science from the University of California, San Diego and a Master's of Science Degree in Accountancy from San Diego State University.

Allison Johnston, CMB

President, Success Mortgage Partners, Inc.