With a focus on the integration of new technology with business policies and applications, he has been instrumental in the development and implementation of Automated Valuation Models (AVMs) for the mortgage process. He has been a pioneer in the deployment and understanding of AVMs in the collateral valuation function, which included the acceptance and adoption by major institutions, investors, secondary market, and Wall Street.

Has taught for the Appraisal Institute and various Boards of Realtors across the country. Recently developed two seminars for the Appraisal Institute that debuted in the summer 2005.

Richard Barefoot, MAI currently serves two roles for Morgan Stanley. He oversees the Conduit Valuation operations as well as the design and implementation of a web-based collateral valuation review system that crosses all business lines within the company. In his roles, Richard has developed and continues to manage staff throughout the US and Eastern Europe.

Richard’s key responsibilities are the oversight of Conduit collateral acquisitions, policy and procedure establishment, implementation of best practices and the training and development of valuation staff.

During his 22 years in the valuation industry, Richard has been the Principle owner of a fee appraisal firm, a Valuation Manager for Washington Mutual and has performed various duties for Morgan Stanley including Valuation Due Diligence Manager for Subprime, Alt-A and Prime acquisitions. Richard has also served on numerous committees for the Appraisal Institute.

Barry Bates is President and CEO of InsideValuation, Inc., performs residential property valuation due diligence for investment banks and other mortgage aggregators.  Recently InsideValuation has added a line of 6 products consisting of various streamlined commercial field valuations to serve small-balance commercial (SBC) mortgage originators, servicers and securitizers.   This latter activity will become InsideValuation’s core business.   A side product line includes collateral risk scoring and default modeling.

Bates is a well-known valuation expert in the mortgage arena for over 35 years, most recently serving as Property Valuation Manager for Morgan Stanley Mortgage Capital (Acquisitions for RMBS/ABS), in New York City and Boca Raton, Florida.   His prior positions include chief valuation manager positions with Commerce Security Bank, Sacramento; Wells Fargo REIG, Sacramento; Ameriquest Mortgage, Orange, CA; First American Real Estate Solutions, Anaheim; Hansen Quality Loan Services, San Diego; and Countrywide Securities, Calabasas, CA.

Barry has a degree in English Literature from Berkeley with minors in Slavic Languages and Criminology, and two years of graduate coursework under the auspices of the Appraisal Institute.  He is a licensed certified general appraiser in California and Nevada.  He is also a former Russian linguist with training at the Defense Language Institute in Monterey, CA and 11 years’ active and reserve service in Military Intelligence, Psychological Operations and in the US Army Security Agency (a military agency under the mission direction of the National Security Agency). 

Mr. Brian Blanchard’s experience and in-depth knowledge of multiple facets of the mortgage community have been added to the expanding group of top quality professional resources available to support customer needs with the fast growing Zaio Inc. family.

Mr. Blanchard is a “thought leader” and has been a featured speaker at several industry events and published numerous times in various trade publications. As National Director of Product Development, Mr. Blanchard works with key product owners to orchestrate the development and enhancement of Zaio’s comprehensive real estate valuation product lines which include United Systems appraisal software, Real-Info AVMs, and the Realink and Kirchmeyer Appraisal Management Companies.

Blanchard has served on numerous industry advisory councils and committees for organizations such as FHA, HUD, MBA, MISMO, and NAMB. He is best known for his involvement with MISMO as a leader of several sub-groups and an expert in the appraisal management process.

Blanchard has worked in a variety of industries worldwide, including appraisal, high technology, and marketing. In his most recent position as the Chief Operations Officer of PROvalUSA.com, he was responsible for the long term vision and day-to-day operations.

Before joining the appraisal industry, Mr. Blanchard was an E-Business Consultant to multiple Fortune 500 companies such as Thermadyne, Energizer, and certain Microsoft subsidiaries. Through such roles, he educated businesses on proper application of technology in order to optimize core business processes.

Mr. Blanchard earned a Bachelors Degree in Information Technology at Missouri Tech.

Jeff Bradford has been a leader in the real estate appraisal industry for over 18 years. He is the founder and president of Bradford Technologies, the developer of ClickFORMS appraisal software.
For over 25 years, Mr. Bradford has been extensively involved with computer-aided analysis and information processing. Today, his focus is on developing new technologies and solutions that will significantly increase the quality and efficiency of the valuation process. Mr. Bradford is also heavily involved in bringing open standards to the appraisal industry and is co-chair of the MISMO Appraisal and Property XML standards workgroup.

Before founding Bradford Technologies, Mr. Bradford worked for companies such as Apple Computer and Structural Dynamics Research where he specialized in computer-aided engineering.

Before joining Fannie Mae in 1997, Bill was a Vice President at Columbia National, Inc. (CNI) and its predecessor PaineWebber Mortgage Finance, Inc. (PWMF) in Columbia, Maryland. Bill’s management responsibilities at CNI/PWMF included residential mortgage production support, regulatory compliance, quality assurance, credit policy and training. Prior to that, he was Assistant Director of Government Agency Relations at the Mortgage Bankers Association of America (MBA) in Washington, DC, where he specialized in underwriting, quality assurance, appraisal and residential production issues advocacy.

Before joining the MBA staff in 1987, Bill worked as a mortgage loan originator in the Baltimore/DC area, served as a Congressional aide in Washington, DC, and served four years of active duty with the U.S. Air Force. He is an associate member of the Association of Certified Fraud Examiners and holds BA and MA degrees from the State University of New York at Albany.

Mr. Brush is a software architect specializing in the design and development of enterprise level B2B and E-Commerce systems. Mr. Brush has been involved with designing scalable component-based real estate frameworks utilizing open standards such as the Real Estate Transaction Standard (RETS) since 2002. Most recently he co-authored the next-generation of that standard, RETS2, designing an architecture using web services and open standards for interoperability across platforms and related industry standards. Mr. Brush is actively involved in continuing to design these extensible frameworks that allow business process management across multiple standards.

Mr. Brush has worked with local, state and national associations, as well as large retail institutions and top 10 consulting firms, architecting large-scale systems using service oriented design principles. His experience includes serving as the lead architect of a high-volume, high-availability E-Commerce system serving a national customer base for a major retailer. He has performed technical evaluations for major real estate vendors, including system, code and performance analysis.

Mr. Brush is a frequent contributor to RETS trimester meetings and has also represented RETS at related industry meetings and conferences. He is actively involved RETS research and development and also participates in the MISMO Valuation Services workgroup.

Prior to forming Ronin Technologies in 2006, Mr. Brush was the chief architect for the real estate practice group of a software services company. He has worked in information technology for 20 years, primarily as an architect.

Mr. Brush earned a Bachelors Degree from Kent State University, where he graduated Cum Laude.

He was recently appointed to the Appraisal Institute’s newly formed Mentoring & Apprenticeship Project Team.

Other activities include:

Appraisal Institute Residential Experience Review Screener.

Appraisal Institute’s representative to the Mortgage Industry Standards Maintenance Organization (MISMO).

Chair of MISMO's Valuation Services/Real Estate Property Information (REPI) Workgroup.

XML Data Advisor for the Employee Relocation Council (ERC(R)).

John is a graduate from the Ohio State University with a Bachelor of Business Science degree in Finance and Real Estate.

From her earliest involvement in mortgage fraud matters, she has brought her litigation experience to industry-sponsored forums nationwide. She is a nationally recognized speaker and frequently teaches in-house seminars on mortgage fraud issues to lending professionals, QC/QA management and general counsel. Ms. Dollar acts in a consultative role on policy and procedure for mortgage lenders including the creation of lending documentation and direction of quality control practices.  She frequently consults with licensing and local, state and national criminal agencies across the country on mortgage fraud matters. She is sought out regularly by the press to comment on mortgage fraud issues and cases and has contributed to and been quoted in news publications across the country.

Ms. Dollar handles mortgage fraud litigation for lenders on a nationwide basis and has supervised successful complex mortgage fraud and RICO litigation in the federal courts, and complex litigation involving secondary market investors, mortgage insurers, loan servicers, and other financial service companies. She has been involved in the discovery, investigation, resolution and litigation of large-scale fraud schemes nationwide. Her practice includes complex commercial litigation, RICO litigation, secured creditor rights and title insurance litigation with a focus on closing protection letter claims, identity theft and closing agent conduct. She also handles matters concerning broker and fidelity bonds, appraiser and settlement agent errors & omissions policy claims and issues associated with repurchase.

The last 20 years spent as an appraiser full time.

Past director of NAIFA having served two terms and as a national officer.

Former President of the Illinois Coalition of Appraisal Professionals- a consortium of foundation organizations in IL intended to influence legislation pertaining to appraisers.

Former President of NAIFA Chicago Metro combined chapters

An early AQB certified instructor

Nationally certified instructor for NAIFA. 2006 NAIFA Instructor of the Year.

Former panel manager and quality control manager for HUD’s AQA program via the REAC.

Currently Chief Appraiser for Valuation Quality Assurance for Indymac Bank, America’s 9th largest mortgage lender.

Author of numerous articles on appraising for a variety of publications.

William Fall, MAI, SRA, ASA, is the Chief Executive Officer of The William Fall Group, headquartered in Toledo, Ohio with regional offices in 11 states and 33 markets. Bill has focused on integrity and a commitment to excellence both in The William Fall Group and within the valuation industry. Bill has served on the boards of the Cardinal Ohio Chapter Appraisal Institute and the National Appraisal Institute subcommittees on appraisal experience and peer review.

Bill is committed to the enhancement of cultural, educational and economic development. He is currently Finance Chair of the University of Toledo Board of Trustees, a member of the Toledo Community Foundation, Vice Chair of the Valentine Theatre and Council President of the Erie Shores Boy Scout Council.

Bill is a Certified General appraiser in the States of Ohio and Michigan. He is a 1971 graduate of the University of Toledo with a Bachelor of Science in Civil Engineering.

wfall@williamfallgroup.com
701 Jefferson Avenue, Suite 201, Toledo Ohio 43604
419-418-5251 Direct
419-255-9171 Reception
419-255-1745 Fax
www.williamfallgroup.com

For 24 years Alan has provided appraisal and consulting services for a diverse clientele in the field of mortgage lending, litigation support and regulatory compliance activities. He has served as the National President of the Appraisal Institute and as a member of their Executive Committee and Board of Directors. He has also testified before the U.S. Senate and the U.S. House of Representatives on mortgage fraud and appraisal issues.

Mr. Inserra has also previously served as a Chief Appraiser with Citicorp (nation’s largest bank) based in Phoenix, Arizona, National Chief Appraiser with HFC in Chicago, and as Director of eCommerce and Financial Services with Accenture in Singapore, which required extensive travel throughout Asia providing consulting services to financial service corporations. Mr Inserra has an established track record of being recruited to small companies, successfully building management teams, technology solutions and other internal resources, acquiring the necessary capital, and then leading those companies through periods of rapid revenue growth. Prior to joining Zaio, Mr. Inserra was the founder of Pinnacle Peak Advisors, LLC and Pinnacle Peak Appraisal located in Scottsdale, Arizona. Mr. Inserra is a Certified General Appraiser, an SRA designated member of the Appraisal Institute, holds an MBA degree from the University of Phoenix, and a B.S. degree from Purdue University. For 6 years Mr. Inserra served as a Trustee with the Appraisal Foundation, which is authorized by Congress to establish USPAP appraisal standards. Tom, his wife Nancy, and their two children reside in Scottsdale Arizona.

As the Principle owner of AVMetrics, LLC Lee provides AVM testing, auditing, and Alternative Valuation implementation strategies for lenders responsible for system development and portfolio management. Lee is an authority on current AVM regulations and guidelines.

Prior to starting AVMetrics Lee Kennedy was part of the executive management team at American Reporting Company (ARC) tasked with the development of a “Start Up” regional settlement services company. Lee’s specific business line was the Alternative Valuation Products division. This division provided AVM Testing/Auditing services and also offered consulting services surrounding collateral valuation tools and product development.

Lee joined ARC after a successful career at Washington Mutual Bank. As Senior AVP Manager, Lee worked with AVM developers and public record vendors to develop automated valuation solutions and appraiser-assisted valuation productivity tools. Prior to this role Lee was a district level manager within the appraisal production group. He began his real estate career as an independent fee appraiser in the mid 1980’s. Prior to his real estate career Lee was a trained Nuclear Engineer.

Lee is a recognized industry expert in the testing and use of AVMs and has been a speaker, panelist or moderator at many industry events. In 2005 Lee was engaged to speak at the following conferences: Loan Performance Conference, Housing Finance Summit, Predictive Methodology Conference and the Appraisal Buzz Valuation 2005 Conferences in New Orleans and Las Vegas.

Under Rick’s guidance, Wachovia currently provides licensing and continuing education training for appraisers in 30 states throughout the country.  He has trained thousands of appraisers nationwide when he was the World Savings National Appraisal Training Manager and has been instrumental in the development of many innovative educational courses.

Current areas of responsibility at Fannie Mae include collateral policy guidelines, collateral valuation strategy, automated valuation issues and special projects revolving around collateral issues from both a practical and policy perspective.

Ms. O’Brien is an information services professional specializing in the domains of real estate and financial services. A long-time advocate of open standards, Ms. O’Brien has been involved with the Real Estate Transaction Standard (RETS) since its inception in 1999. She developed the RETS compliance certification process and testing toolkit as well as several reference implementations and tools to aid adoption. Most recently she co-authored the next-generation of that standard, RETS2, a B2B view meant to encompass the entirety of the real estate sales lifecycle and interoperate with industry standards such as MISMO and OSCRE. Ms. O’Brien is actively involved in bridging technologies across related standards groups to benefit participants in the real estate transaction.

Ms. O’Brien has worked with local, state and national associations, as well as large regional brokerages and financial institutions, developing business integration solutions using service oriented architectures to leverage legacy applications. She has worked on B2B and B2C enterprise internet systems, compliance systems, and marketing systems. Her experience with compliance includes regulatory compliance in addition to standards compliance, working on systems that integrated with the FDIC, the OCC, and the Federal Reserve. She has developed marketing systems incorporating data mining techniques to produce predictive models using statistical analysis and advanced neural net techniques.

Ms. O’Brien is a frequent presenter at RETS trimester meetings and has also represented RETS with presentations to related industry meetings and conferences. She is active in most major RETS workgroups and also participates in the MISMO Valuation Services and Business Rules Exchange workgroups.

Prior to forming Ronin Technologies in 2006, Ms. O’Brien was the lead project manager for the real estate practice group of a software services company. She has worked in information services for 15 years, filling multiple roles on projects.

Ms. O’Brien earned a Bachelors Degree from Ohio Wesleyan University, where she graduated Summa Cum Laude and was inducted into Phi Beta Kappa.

Mr. Opelka attended the University of Alabama where he earned a Bachelor’s Degree. His personal ties to the valuation industry date back to his father, F. Gregory Opelka, former International President of the Society of Real Estate Appraisers (1980) who was also instrumental in developing the Uniform Residential Appraisal Report.

As Chief Executive Officer of the Appraisal Institute, the nation’s largest organization of professional real estate appraisers, Ross led the 18,000 member association since November 1997. During his tenure, the Appraisal Institute has initiated activities such as:

• Development of national commercial and residential databases,
• Redesign of the entire 25+ course designation curriculum program resulting in better market positioning and improved course development processes…and more profit from educational programs.
• Challenging members to consider diversifying services and/or client bases with such innovative concepts as e-appraiser.net, the Center for Advanced Property Economics, AVM and statistically derived market analysis products, etc.
• Establishing alliances with other professional real estate organizations, and
• Forming partnerships with businesses — on Wall Street and on Main Street.

Before working for the Appraisal Institute, Ross gained extensive business and association management experience. For seven years, he was the Executive Vice President of the American Society of Farm Managers and Rural Appraisers (ASFMRA). From 1995 through 1997, he also served as the Executive Vice President of the American Society of Agricultural Consultants, which was managed under contract with the ASFMRA, and restored the association to liquidity while refocusing its organizational priorities and activities.

Prior to that, Ross managed a state association for cattlemen in California and served as a lobbyist for the National Cattlemen’s Association in Washington, D.C. He is active in the American Society of Association Executives and the Association Forum. Ross is an accomplished public speaker and has published many articles on association management and related topics.

Carlton is a certified residential appraiser (and CEO) at Segars & Associates, a full-service residential appraisal firm he founded more than 25 years ago. He is also currently serving his second, full term on the South Carolina Appraisers Board.

Another significant achievement is the fact that Carlton is one of only 110 Distinguished Real Estate Instructors (DREI) in the United States. At the DREI presentation ceremony, Review Committee members commented that Carlton “…brings excellent group exercises, topic delivery, and visual demonstrations to the classroom.” It was also noted that “…he knows his material and works very hard to make sure his students understand what is being presented.” His good sense of humor, engaging personality, and ability to handle questions well were also spotlighted.