APPLIED COMPLIANCE TRACK: Customer Contact and Marketing

Senior Vice President, Servicing Risk and Compliance, CMG Financial

Melissa Koupal serves as the Senior Vice President of Servicing Risk and Compliance at CMG Financial, a comprehensive lender based in San Ramon, California, specializing in retail, correspondent, wholesale, and servicing. In her current role, she is responsible for overseeing all aspects of risk and compliance related to servicing operations. As a seasoned professional in the mortgage industry, Melissa was a founding member of loanDepot in 2009, where she played a pivotal role in shaping the overall direction and strategy for Mortgage Operations Risk. Her responsibilities included managing the compliance management system, overseeing origination and servicing mortgage compliance programs, managing licensing, compliance quality control, and handling agency and regulatory examinations, audits, and enforcement matters across all channels of loanDepot. Since 2008, Melissa has been the owner and leader of the Reglist, a community of over 1,900 mortgage compliance professionals specializing in compliance and legal issues within the residential mortgage field. Her expertise and insights have made her a sought-after speaker at industry conferences, including the Mortgage Bankers Association and NMLS. Melissa's commitment to the industry is further demonstrated through her leadership roles, currently servicing as Chair of the California MBA Mortgage Quality and Compliance Committee and having served as the Chair for the MBA State Legislative and Regulatory Committee and the Chair of the MBA Regulatory Compliance Committee. Additionally, she actively participates in the Industry Working Group for the NMLS, showcasing her dedication to advancing regulatory practices and standards in the mortgage sector.

Chief Risk and Legal Officer, Lennar Mortgage

As Lennar Mortgage’s Chief Risk and Legal Officer, Patti oversees the Legal, Compliance, Quality Assurance, Corporate Risk Management, and Governance functions. Patti joined Lennar Mortgage in 2018 as part of Lennar’s merger with CalAtlantic Homes, where she was the Associate General Counsel of Financial Services. Patti has over 23 years of experience advising financial services and real estate clients, including serving as General Counsel of a publicly traded REIT and holding increasingly senior roles at Fortune 500™ companies. Patti began her legal career at national law firms. Patti is a strong advocate of inclusion and diversity in every aspect of her personal and professional life. She strives to ensure that diverse backgrounds and opinions are given platforms and opportunities in classrooms, board rooms, and on the field. Patti has focused her volunteer efforts on Special Olympics, Dress for Success skills training, and undergraduate and law student mentorships. Patti has especially enjoyed being able to further embed that mentality of inclusion as part of Lennar’s Fair Housing and Fair Lending efforts.

Partner, Taft Stettinius & Hollister LLP

David K. Stein is a partner at Taft, Stettinius & Hollister and maintains a national practice in Banking and Consumer Financial Services. For nearly 20 years, David was general counsel for a top fifty lender and now represents and defends institutions of all sizes against claims arising from TILA, RESPA, ECOA, FCRA, GLBA, and other state and federal-related matters. David is the author of MBA's Social and Digital Media Compliance Guide and counsels lenders facing issues related to loan origination and servicing, marketing and sales practices, state and federal regulatory investigations and examinations, privacy and data security, and the defense of legal and administrative claims. He is a frequent speaker and thought leader on RESPA, Fair Lending, BSA/AML, UDAAP and compliance management

Managing Attorney, Sterbcow Law Group LLC

Marx Sterbcow is one of the country’s leading RESPA attorneys and Managing Attorney of the New Orleans based law firm Sterbcow Law Group, LLC, a full service real estate and RESPA law firm that focuses its practice on areas of real estate law impacting large local, national, and international real estate development projects, mortgage fraud, RESPA, Truth In Lending Act (TILA), federal and state mortgage lending and consumer credit compliance issues, real estate brokerage programs, affiliated business arrangements, marketing and promotional programs, licensing, commercial financing, and transactional matters. Marx has handled over 400 commercial and residential real estate transactions. He also represents clients in connection with predatory lending, RESPA, TILA, and other administrative enforcement actions. Mr. Sterbcow is the only attorney in the State of Louisiana to have earned an L.L.M. in Real Estate law from the highly acclaimed John Marshall Law School’s Center for Real Estate Law in Chicago. He is one of fewer than 150 attorneys in the United States to have earned a Master’s Degree in Real Estate Law. Mr. Sterbcow was recently named as one of the top ten people to watch in Louisiana by Southern Woman Magazine and Greater New Orleans Living Magazine and is widely quoted by both local, national and international newspapers and magazines on national real estate industry issues.