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.

Expand digital payment options, streamline exception management and boost the borrower experience through next- generation payment technology from REPAY (NASDAQ: RPAY). Integrated with the leading mortgage servicing platforms, REPAY enables servicers to accept borrower payments anytime, anywhere, increase efficiency, and reduce the cost of servicing through automated transfers and exception handling. Industry experts deliver the advanced payment solutions of today while anticipating and preparing for the needs of tomorrow. REPAY sets the industry standard for faster payments and better business. For more information, visit repay.com/mortgage

Demo Presentation Information

Payment IQ

Payment IQ is an exception management and workflow tool that leverages the intelligence of the REPAY LIFT Platform to process resource-intensive manual payments like bankruptcy checks, pay-offs, money orders, foreclosures payments, wires, electric bill payments and more. Payment I IQ is designed to ingest transactions regardless of source or type, apply configurable business rules and either auto-post the item or route it to a workflow queue for manual posting. Payment IQ is designed to ingest lockbox exception items, apply configurable business rules.

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. 

Christina Randolph is Vice President of Distribution within Seller Engagement in the Freddie Mac Single-Family Acquisitions Division. She oversees distribution of Freddie Mac tools and capabilities into the marketplace through a multi-channel model designed to focus on an easier and more efficient way to do business with Freddie Mac. Her group — comprising Partner Strategy and Integration, Business Development and Customer Service — is responsible for engaging with thousands of lending institutions, software platforms and third-party data providers, as well as consumers across the mortgage ecosystem. 

Since joining Freddie Mac in 2018, Ms. Randolph has contributed efforts to enhance the loan manufacturing experience by developing new operating models and improving how we engage with channel partners to optimize lender adoption and use of Freddie Mac products and tools across the mortgage lifecycle. Her team focuses on providing superior customer and partner support experiences, as well as identifying impactful and meaningful partnership opportunities to help mitigate risk, lower origination costs, increase efficiencies and further digitize the mortgage industry.

With over 25 years of experience in both the mortgage and technology industries, she has held various roles in sales, operations, implementations and product management at Fannie Mae, FIS, Chase, Countrywide and PHH. In her career, she is dedicated to transforming the mortgage experience by bridging the gap between business process and technology. 

Ms. Randolph holds a B.S. in finance from Rutgers University. She was recognized with HousingWire’s 2024 Women of Influence Award and the MBA Newslink 2023 Tech All-Star Award.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog. 

As AI becomes central to competitive advantage, the buy vs. build decision is taking on new urgency. Should lenders develop proprietary AI capabilities in-house to maintain control and differentiation, or partner with external providers to accelerate deployment and keep pace with innovation? In this session, we explore how organizations are evaluating this trade-off across speed, cost, data ownership, and long-term scalability — and how to strike the right balance in an increasingly AI-driven mortgage landscape.

Matthew VanFossen is the CEO of the Absolute Home Mortgage Corporation, a mid-size Independent Mortgage Banker located in Fairfield, NJ, and Mortgage Automation Technologies, a financial technology provider specializing in consumer mortgage technology. Matthew has been a driving force in the mortgage industry and is a respected figure in the community. Additionally, he serves as the president of the New Jersey Mortgage Bankers Association. 

Matthew commands an extensive knowledge of the broader housing industry, with over a decade of experience in residential mortgage lending and overseeing over $10 billion in retail originations as CEO of Absolute Home Mortgage. Throughout his career, he has taken on an executive role at several successful mortgage companies and has worked as a consultant for various fintech start-ups and mortgage lenders nationwide. 

VanFossen’s passion for innovation and the industry is evidenced by his numerous industry achievements. He has been named a “Top Mortgage Professional Under 40” by National Mortgage News and has been featured in various publications, including Forbes, Scotsman Guide, and HousingWire. In 2023, he was awarded the ICE Mortgage Technology Innovators Award for Best Use of Next-Generation Mortgage Technology by Encompass. 

Under VanFossen’s leadership, Both Absolute Home Mortgage & Mortgage Automation Technologies has become a major player in the financial technology space, offering the web-based BIG Point of Sale to some of the largest companies in the mortgage industry. He coined the “Farm to Table” Loan Officer to Programmer rapid design and testing methodology. VanFossen’s technology enables efficient and speedy consumer mortgage transactions, eliminating consumer communication complaints and reducing costs for lenders. 

Matthew is also the youngest individual to ever serve as the President of the Mortgage Bankers of NJ and the only 4-year term president. Currently Matthew Co-Chairs the Mortgage Bankers of America State and Local Regulatory Committee and is a past board member of Community Home Lenders of America.

Mike Hogan is the Senior Managing Director and Chief Information Officer at Pennymac, and is responsible for the overall vision and leadership for technology initiatives across the company. Hogan has demonstrated consistent success in delivering database and application software solutions within the financial services industry.

In his current role at Pennymac, Hogan is leading a number of AI initiatives. He headed the rollout of Google Gemini at the enterprise level, as well as the launch of several AI productivity tools. He is also leading GenAI workstreams to foster innovation within the company, while carefully monitoring safety and compliance of GenAI tools before implementation. Hogan serves as vice chairman on the MISMO board, which represents a wide range of expertise in residential and commercial real estate finance, where members collaborate on critical issues within the mortgage industry.

Previously, Hogan was the Managing Director of Capital Markets Technology at Pennymac. He is currently a member of the Executive Committee at Pennymac and has served on the company’s management team since 2020.

Prior to joining Pennymac, Hogan led technology teams at Bank of America and Countrywide Financial in the Secondary Marketing, Data Management, Corporate Accounting and Mortgage Servicing areas. He has spearheaded the development of custom-built software solutions to support all facets of the mortgage business, and during his time as a Senior Consultant for Microsoft he helped clients develop and implement new applications.

Hogan earned a Bachelor of Science in Electrical Engineering from Rice University.

Jeff Kvalevog brings nearly 25 years of experience and knowledge of the mortgage industry to his position as Chief Strategy Officer at New American Funding.

In this role, Jeff leads multiple departments including Product Management, Engineering, Enterprise Portfolio Strategy, Strategic Partnerships and Customer Success.

Beyond this, Jeff evaluates and establishes strategic opportunities that provide additional revenue and relationships for the company, including partnership agreements, potential expansion into new business channels, and much more. Additionally, he focuses on building on New American Funding’s reputation in the mortgage industry and enabling increased opportunities for the company.

Throughout his career, Jeff has been a driver of process innovation with a solutions-focused mindset, specializing in digital transformation and digital product experience. His passion for leadership and helping develop his team members is enhanced by his background in sales, operations, underwriting, and digital product development.

Jeff believes in New American Funding’s mission to become an invaluable partner to homebuyers on their mortgage journey, by delivering world-class technology, products, and services.