Tatyana Krol serves as Vice President of Strategic Initiatives and Operations within Freddie Mac’s Single-Family Acquisitions Division. 

Since joining Freddie Mac in 2008, Ms. Krol has been instrumental in advancing data enablement and modernization efforts. She currently leads business strategy and key initiatives for Single-Family Acquisitions, with oversight of Generative AI Program Management, the Analytics Center of Excellence, Borrower Strategy (including loan product optimization and development and mortgage process simplification), and Business Operations, which supports leadership through integrated decision-making and aligned execution in support of Freddie Mac’s mission.

Ms. Krol holds a Master of Science in Finance from American University and a Bachelor of Science in Finance from the University of Maryland.

Sumanth Kamath is Chief Product & Technology Officer (CPTO) of Newrez, a position he has held since December 2025. In this role, he oversees Design, Product Management, Development, QA, and Deployment across Newrez’s Originations, Servicing, Sales Force, Artificial Intelligence, and Digital Portals functions, guiding the technology and product strategy behind the company’s core lending and servicing operations.

Sumanth is especially focused on embedding AI across the organization to drive productivity, efficiency, and a better experience for customers and employees alike. Prior to joining Newrez, he served as Chief Technology Officer of eXp Realty | eXp World Holdings, where he led a global technology organization supporting the world’s largest independent real estate brokerage, serving approximately 84,000 agents across 27 countries, with additional oversight of the company’s Data and Global Security functions.

Before that, Sumanth held Senior Vice President and Vice President roles in Product & Technology at Xome, a Mr. Cooper Group company, and earlier served as Director, Product & Tech at Internova Travel Group. He began his career at Sabre, where he spent 15 years advancing through roles in software development, program management, and delivery leadership.

Sumanth holds a Postgraduate Diploma in Artificial Intelligence and Machine Learning from The University of Texas at Austin, a Master of Science in Computer Science from the University of Texas at Arlington, and a Bachelor of Engineering in Mechanical Engineering from Bangalore University, India.

Mike Fawaz is one of the mortgage industry’s most influential leaders and the founder of Origna8, a company reimagining how independent mortgage brokers build, manage, and grow their businesses. After spending 15 years leading one of the nation’s premier wholesale lending organizations, Mike set out to create a better model for the broker channel. Origna8 brings industry-leading technology, lending, operations, marketing, and business resources together in one connected ecosystem, giving brokers the control, flexibility, and choice to compete at the highest level while remaining fiercely independent. Today, Mike is helping define the future of independent mortgage lending by putting the power back where it belongs, with the broker.

Young has been providing strategy for digital delivery for over 25 years, specifically with a focus in financial services. He’s previously led digital product teams at Chase and also co-founded separate venture back startups in mortgage and investing. At CI&T, Young is responsible for helping clients create digital distribution strategies, customer experience and product strategies for clients such as Wells Fargo, BlackRock, Invesco and Chase. Most recently, he’s been advocating for how AI will transform the financial services industry while also creating greater accessibility to banking for all consumers.

In today’s times where nine in ten consumers are worried about committing to financial obligations there seem to be consensus that any sort of consumer/payment protection would be a good option for financial institutions to offer and for consumers to evaluate. What are the best tools that can help consumers make better decisions, be protected during hardship and still follow all the regulations to ultimately benefit the consumer to have a financially bright future?
Based on discussions with consumers, the OCC and the FDIC, the discussion will focus on the consumers’ needs and on financial institutions working with 3rd parties to provide tools and solutions to achieve better outcomes. Your input is vital to drive a better financial future.

Anand Prakash is Co-Founder and CEO of Authentive, where he is building AI agents that carry a mortgage file from application to underwriting-ready — and retire the stack of point solutions lenders assembled to do the same job.

He spent more than fifteen years at Microsoft, most recently as Principal Group Engineering Manager for Microsoft Teams, where he led the channel experiences used by over 270 million monthly active users and built the engineering teams behind them across two continents.

He founded Authentive in 2023 with José Chiarino on a simple conviction: if documents are collected directly from the systems that issued them, the borrower can be trusted from the first click — and the industry of chasing, re-requesting, and re-verifying paper stops being necessary.

José Chiarino is Co-Founder and CTO of Authentive, where he leads the engineering behind the platform’s browser agents — software that logs into payroll, banking, and IRS systems on a borrower’s behalf and collects source documents without a single manual upload.
He came to Authentive from Airbnb, where he was engineering lead for design systems and led internal research into code generation, including a platform that generated and published production web applications directly from Figma files — an early version of the machine-does-the-work thinking now at the center of Authentive. Before Airbnb he spent nearly four years at Microsoft, where he was tech lead for education experiences in Microsoft Teams.

Savor handcrafted drinks, indulge in delectable bites, and enjoy the company of fellow attendees in a relaxed and vibrant atmosphere at our closing reception.

As the mortgage industry continues to navigate significant modernization and market transformation efforts, Sellers need clear visibility into current initiatives, implementation readiness and future changes that may impact their operations and doing business with Freddie Mac.