Ron Carrillo has been with DocMagic for over 23 years and serves as Business Development Manager. His current focus centers on partnering with lending organizations to navigate change management and develop comprehensive eStrategy initiatives. Ron specializes in helping these organizations assess their digital readiness, architect scalable technology solutions, and implement workflow automation that reduces closing times and enhances operational efficiency.


As a solution specialist, Ron keeps prospects and customers informed about the latest product enhancements and features, improving the experience for current clients while attracting and educating new customers. His expertise spans digital transformation planning, process optimization, and technology integration, enabling lending organizations to modernize their operations while maintaining regulatory compliance. Ron’s strategic approach helps organizations evaluate their current infrastructure, identify automation opportunities, and create roadmaps for sustainable digital adoption across their mortgage operations.

Leah Sommerville is DocMagic’s Director of Sales, responsible for leading our sales team with nearly a decade of experience in the eMortgage industry. She is a thought leader and frequent speaker on managing digital-mortgage transformation, sharing her passion about empowering the mortgage industry towards the future of lending.


Leah has been honored with numerous industry awards, including HousingWire’s Rising Stars, Mortgage Professional America’s 50 Elite Women in Mortgage, Mortgage Professional Association’s Elite Women Award, National Mortgage Professional’s 40 Under 40 Influential Mortgage Professionals, Progress in Lending Association’s NextGen Leader Award, and Progress in Lending’s Trailblazer Award.
Prior to DocMagic, she held sales executive and director of marketing positions in the mortgage technology industry. Leah holds a Bachelor of Business Administration from the University of Texas at Arlington.

Jonathan Kolodziej represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.

Jonathan’s regulatory compliance practice centers around helping clients ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes
in the regulatory environment. Jonathan is able to analyze and synthesize complex regulatory changes and then explain the legal and operational impact to business, compliance, and legal stakeholders. When assessing an entity’s compliance or beginning the implementation process for a regulatory change, he leads clients through gap analyses, risk assessments and targeted reviews. He routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules. As necessary, Jonathan also helps develop and execute appropriately tailored remediation plans.

Jonathan understands and appreciates that, in a heightened regulatory environment, the ability to prove your compliance is often equally as important as actually being compliant. As such, when helping financial service providers structure their day-to-day operations, he makes
sure that policies, procedures, training and oversight functions are in place and structured so that an entity can quickly and definitively demonstrate their compliance to state and federal regulators. During examinations and other reviews, Jonathan regularly assists with managing and drafting responses to supplemental requests, developing successful exam strategies, rebutting preliminary findings, and responding to allegations of legal violations. He has helped clients with examinations initiated by various state regulatory bodies, the Consumer Financial Protection Bureau (CFPB), the Multistate Mortgage Company (MMC), the Office of the Comptroller of the Currency (OCC), and the Department of Housing and Urban Development (HUD). Because of his familiarity with clients’ operational structures and applicable law, Jonathan is also able to assist with responding to complaints and allegations of regulatory violations made by borrowers, state attorneys general and other regulatory bodies

As a result of his familiarity with various federal consumer financial laws and regulations, Jonathan has taught regulatory compliance issues at the Mortgage Bankers Association’s Schools of Mortgage Banking | and II. He is also a frequent speaker during webinars and trade
association presentations on regulatory compliance issues.

Since 2021, Jonathan has taught Real Property Security as an adjunct professor at the University of Alabama School of Law in Tuscaloosa, Alabama.

Josh Weinberg is the President of Firstline Compliance, a consulting company specializing in mortgage compliance and technology and a Co-Founder of Talk’uments, the industry’s solution for providing language access and increasing market share. He previously served on the Mortgage Bankers Association’s Residential Board of Governors (RESBOG) as the Chair of the State Legislative and Regulatory Committee and was the past Chair of MBA’s Regulatory Compliance Committee, and the previous Vice Chairman of the Board of Directors for MISMO.

Before Firstline he was the Executive Vice President of Compliance for Guaranteed Rate, Inc. (now Rate), and before that the EVP of Compliance for First Choice Loan Services Inc. He has also worked for a major LOS vendor, and in retail banking and non-depository environments, as well as independently, as the owner of a mortgage broker company.

Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a Washington, DC-based law firm serving the financial services industry. Mitch provides strategic counsel to a wide range of clients including financial institutions, mortgage companies, homebuilders, real estate settlement service providers, and credit card issuers. He advises on complex regulatory compliance matters and represents clients in federal and state investigations, enforcement actions, and both individual and class action litigation.


Mitch is widely recognized for his deep industry knowledge and practical approach to legal challenges. He regularly presents at national conferences, trade group events, and podcasts. Mitch also hosts industry leader roundtables, where he shares timely insights and analysis on key issues shaping the financial services landscape.

Richard Horn was formerly a Senior Counsel & Special Advisor in the Office of Regulations of the Consumer Financial Protection Bureau (CFPB).  Prior to that, he was a Senior Attorney at the FDIC’s New York Regional Office.  Richard is currently Co-Managing Partner of Garris Horn LLP.

While at the CFPB, Richard led the final rulemaking for the TRID mortgage disclosures (the TILA-RESPA Integrated Disclosure rule).  He also led the CFPB’s design and consumer testing of the disclosures.  As a key architect of the TRID rule, Richard is one of the foremost experts on the rule.

In private practice, Richard advises on consumer finance compliance, examination, and enforcement matters, including:

Richard advises clients of all sizes, including banks, credit unions, non-bank mortgage lenders and brokers, title underwriters and agents, investors, and technology vendors.  His law firm Garris Horn LLP provides large law firm expertise at small law firm cost.  You can reach Richard at rich@garrishorn.com. 

Andrew Martinez joined National Mortgage News in January 2022. He previously worked at Bisnow, covering commercial real estate news in the Boston region, and prior to that, covered the federal court for the Boston Herald. He began his career in 2015 as the sports editor of the Rio Grande Sun newspaper in Northern New Mexico. He studied journalism and political science at California State University, Northridge, where he was the editor-in-chief of the student newspaper.

Marty Green brings more than 30 years of high-level experience in the legal, banking and financial services industries to his client engagements. He leads the firm’s Dallas office.

Marty advises clients on the latest rules and regulations covering residential lending, in addition to building on the firm’s long tradition of delivering loan closing documents with speed and accuracy. Before joining Polunsky Beitel Green, Marty served as the executive vice president and general counsel for Dallas-based CTX Mortgage Company, then the country’s largest non-bank residential lender. He also previously worked as special counsel at Baker Botts, a leading international law firm.

Marty is admitted to practice before all Texas state and federal district courts in addition to the U.S. Court of Appeals for the Fifth Circuit. An honors graduate of the University of Texas School of Law, he earned his undergraduate degree at Southern Utah University. Texas Monthly has recognized him multiple times as a Super Lawyer.

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.

Kim Nichols is the Chief TPO Production Officer and Senior Managing Director, where she leads a team that drives strategy and revenue within the wholesale channel. Under her leadership, Pennymac TPO quickly became one of the top wholesale lenders in the country.

Nichols joined Pennymac in 2011 as part of the core leadership team charged with building the foundation for what is now the largest correspondent investor in the country. She has been recognized for her expertise in the mortgage industry throughout the years.

Nichols consistently demonstrates exceptional leadership and industry expertise. In 2025, the Broker Action Coalition (BAC) appointed Nichols to its Board of Directors, recognizing her leadership and expertise within Pennymac TPO as highly beneficial to advocating for the broker and wholesale channel within the industry. In 2024, Nichols was selected to join the Forbes Advisory Board to offer insightful mortgage content that aligns with the current industry and help empower readers to navigate the home buying process. In 2023, Nichols joined the inaugural Corporate Board of Governors for the National Association of Mortgage Brokers (NAMB), an organization committed to promoting the highest degree of professionalism and ethical standards for mortgage professionals. She also is a Board Member for the California Mortgage Bankers Association (CMBA), to help support its mission in representing the residential and commercial real estate finance industry before all government and regulatory agencies. In 2022, Mortgage Professional America Magazine included Nichols in its Mortgage Global 100 list, which highlights renowned industry leaders driving forward innovations to carry the mortgage sector into a new era. Her exceptional leadership also earned her a spot as a 2020 Women of Influence by HousingWire. As one of the 100 most highly-regarded women in housing finance, Nichols showcases her expertise in mentoring, leading teams and driving technical advances.

Prior to joining Pennymac, Nichols spent the beginning of her career in secondary marketing and capital markets, followed by a decade within the mortgage insurance space.