John Wines, Chief Strategy Officer at Atlantic Bay Mortgage Group, leads enterprise-wide innovation in lending, overseeing IT, data, and sales training. His work drives scalable growth at Atlantic Bay.

John earned HousingWire Vanguard honors in 2023 for “moving markets forward” — recognized for launching Atlantic Bay’s AI chatbot, modern POS, and systems architecture that empower both borrowers and staff. With more than 20 years in operations, sales, and mortgage tech, John brings hands-on insight into tech leadership, vendor strategy, and digital transformations in the mortgage space.

Prior to working at Atlantic Bay, John held roles at Homestead Mortgage Corporation and Wells Fargo. He graduated from James Madison University in 2001 with a BBA in Finance.

Jay Promisco brings more than 20 years of executive leadership experience building high-performance mortgage platforms at scale. Known for blending operational rigor with forward-leaning technology adoption, he has led initiatives spanning AI-enabled underwriting, cost-to-originate optimization, digital production models, and enterprise growth strategies.

A mortgage industry partner since 2013, Verse is an AI-enabled communication platform that fully manages lead conversations for you. Verse works by automatically engaging leads via SMS, qualifying them, and booking appointments with qualified leads—and nurturing leads that aren’t ready yet. With Verse, loan officers only receive warm, qualified leads.

Ocrolus is a leading AI-powered workflow and analytics platform for lenders. We automate underwriting workflows across small business, mortgage, and consumer lending, delivering a best-in-class solution for analyzing financial documents. Our platform classifies documents, extracts key data, detects fraud, and delivers comprehensive cash flow and income analysis—all with exceptional precision and reliability. With Ocrolus, lenders can streamline the borrower experience, scale operations efficiently, and manage risk with greater confidence.

Joe Welu is the founder and CEO of Total Expert, the fintech software leader that launched the first customer experience platform purpose-built for modern financial institutions. Since 2012, Joe has led Total Expert’s vision, culture, and growth to more than 300 employees today. The company powers CRM, marketing, and customer engagement for more than 170 financial institutions—from leading community banks and credit unions to 15 of the top 25 U.S. banks and lenders. Total Expert’s growth has skyrocketed since its inception, being named the #1 CRM platform by STRATMOR Group and earning top spots on the Inc. 5000 and HousingWire Tech100.

UiPath develops AI that mirrors human intelligence, transforming how businesses operate, innovate, and compete. The UiPath Platform advances agentic automation, where agents, robots, people, and models work together to drive autonomy and smarter decisions. UiPath is committed to secure, accurate, and resilient AI that enhances human potential.

Plaid is a global data network that powers the tools millions of people rely on to live healthier financial lives. Our ambition is to facilitate a more inclusive, competitive, and mutually beneficial financial system by simplifying payments, revolutionizing lending, and leading the fight against fraud.
Plaid works with thousands of companies, including fintechs like Venmo and SoFi, several Fortune 500 companies, and many of the largest banks to empower people with more choice and control over how they manage their money. Headquartered in San Francisco, Plaid’s network spans over 12,000 institutions across the U.S., Canada, U.K., and Europe.

TJ brings nearly 15 years of experience leading architecture and engineering  teams across financial services. She has a strong track record of driving change— modernizing platforms and aligning technology with business strategy. She’s  passionate about bringing product and technology together to create meaningful,  sustainable impact. 

Beyond her day-to-day work, TJ stays actively involved in tech community events  to connect with and learn from others who are shaping the future of our industry. 

Outside of work, she’s a proud mom of two daughters, lifts weights to clear her  head, and enjoys reading non-fiction.

Dara by Sagent is the mortgage servicing industry’s first cloud-native, end-to-end platform that replaces rigid, monolithic mainframes and a constellation of supporting applications with adaptable, connected systems built for real-time data and compliance. By unifying core servicing, default management, and consumer engagement in one ecosystem, Dara enables servicers to slash operational costs, accelerate innovation, and deliver borrower experiences that meet modern expectations. This shift isn’t incremental — it’s a fundamental transformation in America’s $14 trillion dollar mortgage servicing industry that positions servicers to thrive in a dynamic regulatory and economic landscape.