Mark Rubinstein leads product for UiPath Solutions for Financial Services, where he’s spent his time embedded with dozens of lenders, from credit unions to national banks, rethinking how loan origination software should feel. Before UiPath, he spent over a decade building consumer and enterprise products at Microsoft, including Microsoft Teams, which he helped scale to hundreds of millions of users. His focus is simple: build lending software that isn’t just effective, but genuinely delightful to use, to help raise the bar for the whole industry.

Cheng Lo is the Chief Operating Officer of LoNav Solutions and an accomplished business strategist, technology leader, full-stack developer, and engineer with more than 24 years of professional experience.

Throughout his career, Cheng has helped organizations unlock business value by aligning product strategy, operating processes, data management, and technology. His experience spans digital product development and management, business process improvement, large-scale transformation, DevOps and Agile delivery, cloud architecture, data analytics, artificial intelligence, machine learning, and enterprise systems integration.

Cheng brings an unusually broad perspective to software product development. His background includes financial-technology SaaS solutions, custom business applications, cloud infrastructure, PostgreSQL and enterprise databases, and full-stack development using technologies such as C#, ASP.NET, JavaScript, React, Java, and Python. Before expanding deeply into software and digital transformation, he built extensive expertise as a mechanical engineer and product lifecycle management architect across manufacturing, aerospace and defense, medical devices, semiconductors, and other complex engineering environments.

At LoNav Solutions, Cheng helps translate the company’s mortgage-industry vision into an executable product and operating strategy. LoNav is a modular Mortgage Management Platform designed to connect borrower engagement, CRM, application, qualification, disclosures, processing, underwriting, and closing workflows on one data spine. Its four modules—TITAN, KLARA, NAVI, and ATLAS—can operate independently or together as a connected platform.

Cheng’s combination of business transformation, engineering discipline, software architecture, and hands-on product development helps LoNav approach mortgage technology as an integrated operating system rather than another disconnected point solution. He supports a product philosophy in which compliance is built into the workflow and AI-assisted outputs remain transparent, reviewable, and subject to human decision-making.

Brandon Olson is a mortgage loan officer and the founder of LoNav Solutions, a mortgage technology company building a more connected approach to mortgage management and origination.

Since entering mortgage lending in 2015, Brandon has worked directly with borrowers and real estate professionals while building and managing a growing mortgage team. Like many originators, he invested heavily in technology intended to improve lead conversion, communication, team productivity, and the borrower experience. Instead, he repeatedly encountered disconnected point solutions—each with its own login, its own copy of the borrower record, and its own vendor-approval and compliance burden.

That frustration led Brandon to develop Lo-Net, originally conceived as a video-based borrower connection and prequalification experience. The concept expanded into a lightweight mortgage CRM and ultimately evolved into LoNav Solutions.

LoNav is not simply another CRM or business-development tool. It is a modular Mortgage Management Platform designed to connect the people, processes, communication, and technology of a mortgage transaction on one data spine. Its four modules—TITAN, KLARA, NAVI, and ATLAS—are being developed to support the mortgage organization from borrower engagement, CRM, and application through qualification, disclosures, processing, underwriting, and closing. Each module can operate independently or as part of the complete platform.

Two principles guide the product: compliance is the frame, not an add-on, and AI drafts while humans decide. LoNav’s AI-assisted workflows are designed to remain transparent, reviewable, and controlled by mortgage professionals. Brandon brings a practitioner’s perspective to mortgage technology, building from firsthand experience originating loans, leading a team, navigating compliance, and working through the technology gaps mortgage professionals face every day.

Avery Arasin is a Sales Engineer at REPAY, where he helps modernize the borrower payment experience through digital payment solutions and enterprise integrations.

Prior to joining REPAY, Avery led product strategy and engineering for a technology startup, where he guided product development, built payment capabilities, and led crossfunctional teams from concept through launch.

Drawing on experience across software development, product management, and payments technology, Avery is passionate about simplifying complex financial workflows and building digital experiences that solve real business problems.

Mike Romano is a mortgage technology executive and thought leader with more than two decades of experience helping financial institutions modernize lending through technology and innovation. As Senior Director of Sales at JazzX, he partners with banks, independent mortgage lenders, and credit unions to apply Enterprise AGI to the mortgage lifecycle, enabling faster loan decisions, lower operating costs, and improved borrower experiences. Before joining JazzX, Mike co-founded two Y Combinator-backed mortgage fintech companies, and held leadership roles at Wells Fargo, PwC, KPMG, and Evolve Mortgage Services. Throughout his career, he has built high-performing sales organizations, advised many of the nation’s largest lenders, and helped scale businesses from startup through significant revenue growth. Mike holds both his bachelor’s degree and MBA from the University of California, Berkeley.

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.

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.

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.