Jina Choi is a strategic problem solver and innovator with deep experience across the mortgage origination ecosystem. Throughout her career, she has developed a reputation for tackling complex industry challenges by identifying the root cause, defining the optimal outcome, and building practical paths to achieve it.
Her experience spans multiple facets of mortgage origination, giving her a unique ability to connect processes, technologies, and stakeholders that often operate in silos. Jina approaches problems differently than most, refusing to accept legacy constraints or conventional wisdom as fixed limitations. Where others see obstacles or reasons something cannot be done, she sees opportunities to rethink assumptions and design better solutions.
A true blue ocean thinker, Jina is driven by the belief that meaningful innovation comes from questioning how things have always been done and imagining how they should work instead.

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.

MMI One is the mortgage growth platform built for loan officers, brokers, and lenders. It unifies market intelligence, CRM automation, and borrower monitoring in one connected experience — so professionals can identify new opportunities, engage the right people, and retain past clients automatically. One platform where everything works together from day one.

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.

Phil Shoemaker is an experienced professional currently serving as the Chief Executive Officer at The Loan Store, Inc. in Ann Arbor, Michigan. With a diverse background, Phil has gained extensive experience in the financial industry.

He kicked off his journey at The Loan Store in June 2023, leading the company for the past 8 months. Before this, Phil spent about 5 years at Home Point Financial, holding the role of President of Originations. During that time, he played a key role in growing, making profits, and ensuring quality in the loan origination business.

Prior to Home Point Financial, Phil worked at Caliber Home Loans, Inc. for a solid 9 years. His roles included Executive Vice President, Chief Operating Officer of Production, and Executive Vice President of Wholesale Lending. From strategic initiatives to national operations and administrative functions, Phil showcased his versatility.

Phil’s professional journey also took him to StoneWater Mortgage Corporation as Director of Business Analysis & Program Management and First Magnus Financial Corporation as Director of Application Design.

With a career spanning various institutions and roles, Phil Shoemaker is a dynamic leader in the financial sector, making significant contributions to the growth and success of the organizations he’s been part of.

Tim Von Kaenel is Chief Strategy Officer at CI&T, a global technology transformation firm for large enterprises and fast growth clients, where he specializes in building, integrating and reengineering tech stacks for banks, mortgage lenders, and fintech companies. Tim’s deep roots in mortgage lending include chief product officer roles at tech-forward mortgage bank LoanDepot, mortgage servicing software leader Sagent, and mortgage point of sale software pioneer CloudVirga.

AI adoption is often discussed as a technology challenge, but its success ultimately depends on leadership. As organizations integrate AI into core workflows, leaders must navigate changing employee expectations, evolving skill requirements, and concerns about the future of work. This session explores how forward-thinking organizations are building trust, fostering adaptability, and creating cultures where people and AI can work together to drive stronger business outcomes

Alpharun is the leading AI sales coaching and compliance platform for high-volume, regulated sales teams. Alpharun analyzes 100% of calls to identify top-performing behaviors, then delivers personalized AI coaching to help every agent perform like your best while improving conversion rates and adherence to regulated scripts.

Verse.ai is a fully managed, AI-powered SMS platform pairing conversational AI with human agents for authentic, two-way borrower conversations at scale. Built for mortgage speed and compliance, Verse texts every lead within 15 seconds, qualifies them against your criteria, and routes confirmed appointments to loan officers. Turnkey, lead to lock.