With more than 28 years in mortgage technology, Mark Ramirez has built a career at the intersection of business strategy and technical innovation. His experience spans the planning, architecture, design, development, and implementation of enterprise-scale mortgage platforms, proprietary technologies, and mission-critical systems across the lending lifecycle.
Mark’s work has consistently focused on solving hard problems others accept as unavoidable. From origination workflows and underwriting automation to secondary market execution, he has developed technology solutions that eliminate friction, reduce complexity, and improve decision quality at scale.
Today, Mark is leading efforts to modernize the industry’s underlying infrastructure, leveraging intelligent automation, orchestration, and next-generation architecture to transform how mortgages move from application to investor delivery.

Jacob Barra is an Enterprise Account Executive at Insyde.ai, where he works with mortgage and financial institutions to bring practical AI into their sales, marketing, and customer engagement workflows. He partners closely with enterprise lenders to understand their goals and match them with technology that drives measurable growth.

Matthew Smith is an AI Strategic Growth Manager at Insyde.ai, where he helps mortgage and financial institutions put practical AI to work across sales, marketing, and customer engagement. A B2B AI SaaS sales professional with a passion for sales innovation, Matthew partners with lenders to turn emerging technology into measurable growth. A lifelong learner at heart, he is focused on making artificial intelligence approachable and genuinely useful for the people closest to the borrower.

Shawn Malhotra is Chief Technology Officer of Rocket. He has held this position since May 2024. In this role, Shawn oversees the development and implementation of technology across the entire Rocket Companies’ ecosystem.
Shawn is especially focused on increasing the rate of innovation and execution in the organization along with amplifying Rocket’s AI initiatives – driving the company toward its goal of AI-fueled homeownership. In addition, he has oversight of the company’s data science, product engineering, technology operations and information security.
Prior to joining Rocket Companies, Shawn worked at Thomson Reuters Corporation, serving as Head of Engineering from September 2020 to May 2024, Chief Technology Officer of the Corporate Technology business unit from August 2018 to September 2020 and Vice President of the Toronto Technology Centre from February 2017 to August 2018. Previously, Shawn served as the Site Director, Software Engineering for Intel Corporation from August 2013 to February 2017. Prior to Intel, Shawn served as Manager of Software Engineering at Altera Corporation from 2005 to 2013. He began his career in technology at Qualcomm Incorporated as a software engineer in 2000.
Shawn earned a Bachelor of Applied Science degree in Computer Engineering from the University of Waterloo, and a Master of Engineering degree from the University of Toronto. He is credited with five issued U.S. patents and two published papers.

Shant Banosian, the #1 Loan Officer in the U.S. for nine consecutive years, is first and foremost a devoted husband and father of three. Family is the foundation of everything he does, and that same commitment carries into his work with clients, agents, and teams. Over the past 20 years, Shant has helped thousands of buyers achieve homeownership, funding more than $10 billion in loans and earning a 95% referral-driven retention rate built on trust and results.
In 2025, Shant was named President of Rate Mortgage, where his focus is empowering loan officers to grow scalable, successful businesses while maintaining balance and impact. He remains fully engaged in production with Team Banosian, continuing to deliver world-class speed, certainty, and execution for agents and homebuyers nationwide.

For more than 30 years, Dustin Gray has built and led technology-driven businesses across real estate and mortgage, working at the intersection of product, operations, and growth. He’s had the opportunity to start companies, lead business units, and scale platforms in both early- and later-stage environments.

Today, as Founder & CEO of Homeowner.AI, Dustin is focused on modernizing how businesses engage across the homeowner lifecycle. The industries that serve homeowners operate in silos, limiting long-term engagement and value creation. OneHomeowner is an AI-powered platform that unifies property data and ongoing engagement into one system, enabling partners across real estate, lending, insurance, and home services to move beyond transactions and build lasting relationships.

Dustin is passionate about applying technology thoughtfully to one of the world’s largest and most important asset classes: the home.

Melissa Langdale is the Founder and CEO of Praxis Lending Solutions, an executive consultancy helping mortgage lenders modernize workflows, redesign operating models, and reduce their cost to originate. A recognized leader in housing innovation, Melissa has served as President & COO of The Mortgage Collaborative and led sales and operations for fintechs and community banks alike. She is the host of Future Proof, a bi-weekly webcast and podcast on mortgage innovation, and a national speaker on AI and transformation. Melissa lives in Austin, TX, with her husband and twin boys.

Francesco Paola is the Chief Growth Officer of MOZAIQ. With 25+ years of global leadership experience, he has pioneered enterprise adoption of successive technology waves — ecommerce, BPO and IT outsourcing, cloud computing, and AI. He pairs deep mortgage expertise with a record of scaling new technologies across industries. He holds an engineering degree from MIT and an MBA from UC Berkeley’s Haas School of Business.

Along with her signature passion for people, Sue Woodard brings over thirty-five years of financial services and fintech experience to her roles as an independent consultant, Strategic Advisor with both STRATMOR Group and Housing Wire, and industry “Evangelist At Large!”

Sue started her career at the ground level in banking, became a top producing loan originator, then leveraged her knowledge to become a highly acclaimed industry speaker, subject matter expert and fintech executive.