Beth Eller joined Winston-Salem, N.C.-based Truliant Federal Credit Union 2019. Eller launched Truliant’s innovative eClosing program and worked in conjunction with the FHLB pilot eNote program. Truliant was the first Atlanta FHLB member to pledge an eNote for collateralization. Eller has more than three decades of mortgage lending experience. She is responsible for overall leadership, performance, growth, administration and strategic direction of Truliant Mortgage Services. She leads its mortgage lending operations, and develops new services to best meet member needs.

Brian D. Pannell serves as Chief eServices Executive for DocMagic. In this role, he has managerial responsibility for all post-sales activities for customers who are adding eMortgage and eChattel capabilities (eSign, eNotary and eVault) as well as Post-Closing (e.g. MERS eRegistry) technologies and efficiencies to their business models.

With extensive experience in the evolution of eMortgage and eChattel solutions, Brian has initiated industry leading implementation processes for DocMagic’s entire suite of eSolutions.

Prior to joining the organization, Brian was VP of Client Services for eSignSystems. He also spent 17 years at Fannie Mae where he served as a Senior Manager responsible for the building and development of strategic third-party technology and business relationships. Brian attained his B.A. in Economics and Minor in Computer Science from Virginia Military Institute. He also has a M.B.A. in eBusiness from the University of Phoenix and acquired his Project Management Professional (PMP®) Certification from the Project Management Institute.

Cindy Pearson is the Director of Mortgage Operations for Truliant Federal Credit Union. She began her career in mortgage in 2001 and joined Truliant in 2016. She provided key leadership in Truliant receiving approval as a seller/servicer for Freddie Mac and Fannie Mae and enhancing mortgage operations through conversion of the origination system and adoption of best-in-class digital solutions to better serve itsmembers. She played an integral role in Truliant becoming the first credit union to conduct an eClosing and developed the infrastructure for its third-party originations initiative. Truliant’s Mortgage team has tripled in volume and added more than 30 employeesduring her time at the credit union.

Cindy is a graduate of the Bryan School of Business and Economics at the University of North Carolina at Greensboro and a Certified Public Accountant.

Dan is a Founding Partner of Elite Digital Mortgage Consulting, LLC. Dan’s focus is guiding lenders through their Digital transformation. He works closely with lenders to understand where they are in their journey and helps them prepare for a successfully digital transformation. The process involves assistance with MERS eRegistry setup, meeting with all lender’s counterparties, as well as equipping his lender customer with knowledge and ‘Best practices” of how to move from a traditional paper based process to eClosing(all types). Over the last 10 years Dan has worked with over 100 lenders interested in making the jump to e.

Prior to EDMC Dan was COO and managed all Sales at Pavaso, an eClosing provider. Dan has over 30 years of experience in software consulting helping customers in Change Management, Project Management and helping customers with adoption both internally and externally of their new software.

Dan and EDMC specialize in determining ‘eReddiness” of Mortgage Originators and focuses on putting lenders and their team in position to succeed in the journey to e.

Don DeAngelo has been with Federal Home Loan Bank of Atlanta for 14 years and is currently the VP Collateral Verification Review Manager responsible for oversight of the Bank’s risk-based collateral review program. Don represents FHLBank Atlanta in an initiative to facilitate acceptance of eNotes as collateral across the entire Federal Home Loan Bank System, and he has been instrumental in the development of FHLBank Atlanta’s eNotes guidelines and eNote acceptance pilot program. Prior to joining FHLBank Atlanta, Don spent 20 years in the mortgage industry managing sales, servicing, and underwriting.

In 1996, Secretary of State Elaine F. Marshall became the first woman ever elected to a statewide, executive branch office in North Carolina.

Secretary Marshall was a member of the NC State Senate before rising to statewide office. She holds a B.S. in Home Economics from the University of Maryland and a law degree from Campbell University. She has received Honorary Doctorate Degrees from Campbell University, Lees-McRae College, Meredith College and the Republic of Moldova Testemitanu State University of Medicine.

Her work experiences include teaching Home Economics in the public school and community college systems, co-ownership of a book and gift store, establishing an interior decorating business and the private practice of law.

Secretary Marshall has been very active in many civic groups in the areas of child welfare, women's issues, and agriculture and small town economic development.

Since becoming Secretary of State, she has received numerous state and national awards for leadership in technology, government innovation, and women's leadership. These awards include:

• • The NC Bar Association’s 2020 Chief Justice I. Beverly Lake Jr. Public Service Award honoring exceptional attorneys practicing in North Carolina who’ve contributed to the community with exemplary public service. Secretary Marshall is the first woman to receive the Lake Public Service Award;
• 2019 Brand Protection Hero Award from the Center for Anti-Counterfeiting and Product Protection (A-CAPP);
• 2018 Person of the Year Award from The Women’s Business Center of North Carolina;
• 2018 Inductee to the North Carolina Women Business Owners Hall of Fame;
• The 2017 International Trade Lifetime Achievement Award from the Charlotte Business Journal;
• The 2017 Woman of Achievement Award from Meredith College;
• Leadership North Carolina’s 2016 Governor’s Award for public service and commitment to developing leaders;
• U.S. Department of State’s Office of International Visitors Certificate of Appreciation, 2016;
• President of the National Association of Secretaries of State, 2015;
• Campbell University’s 2014 Distinguished Alumni Award;
• Induction into the National 4-H Hall of Fame, Class of 2014;
• The 2014 Public Policy Leader of the Year Award from the National Association of Women Business Owners, Charlotte;
• The North Carolina 4-H Lifetime Achievement Award;
• The National Foundation for Women Legislators 2013 Elected Women of Excellence Award;
• Named to the Triangle’s 100 Most Influential Business Leaders of 2012 list by Triangle Business Journal;
• The Moldovan Order of Honor, the highest distinction Moldova awards to non-Moldovan citizens;
• The Distinguished Attorney Award from the NC Association of Women Attorneys. She was the second person ever to be honored with this award;
• Induction into the Honor Society of Agriculture of N.C. State University;
• Leadership awards from Common Cause North Carolina, the NCAE and the Delta Kappa Gamma Society;
• The Lifetime Achievement Award for Women in Business by the Triangle Business Journal;
• Named to National Notary Magazine's list of “The 50 Most Influential People in Notarization in the Last 50 Years”;
• Served as President of the National Electronic Commerce Coordinating Council, a think tank dedicated to bringing best technology practices to government across this country;
• Recognized leader in state Trademark protection by the US Chamber of Commerce, the International Anti-Counterfeiting Coalition and Underwriters Laboratories;
• And Secretary Marshall has even received an official “Gold Record” from the Recording Industry Association of America for her law enforcement work to protect Trademarked goods and patent holders, as well as being named an honorary member of the Royal Canadian Mounted Police for trademark protection!

She is married to Jessie Thomas Bunn.

Esther is the Executive Director of Operations and Client Relations at Brady & Kosofsky, PA. Over the past 12 years Esther has proven herself as a thought innovator and leader in all aspects of the real estate closing, mortgage servicing, loss mitigation, title insurance and fintech industries. Esther is a hands on leader which has enabled her to develop the unique perspective of an industry stakeholder who thoroughly understands the expressed and unexpressed needs of the various client types. This enables her to develop workflows and products which satisfy those needs. As a project manager, Esther has led countless projects within all sectors of the industry. Esther has built teams and assembled various workflows and the accompanying training manuals for mortgage servicers and their closing operations based across the United States and around the world. Esther’s extensive experience and hands on approach made it possible to marry Financial Technology and its efficiencies with production and its needs. She believes technology does not build and design products, better yet, technology enhances the efficiencies and allows humans to do what they do best: communicate and provide customer service. The Staff and Attorneys at Brady & Kosofsky are industry visionaries committed to assisting all parties in developing and implementing eMortgage closing operations.

Jeffrey E. Bode, currently is Chairman of the Board, Chief Executive Officer and President of MAM. Mr. Bode has been active in politics persuasion since childhood. Mr. Bode has always continued this interest and he has close association with state regulators and helps influence legislation in the State of Texas. Mr. Bode purchased Schmidt Mortgage Company on March 31st, 2010 and reorganized its operations and incorporated the loan production of Moncor (a mortgage operating unit he managed prior to the acquisition) in August of 2010 to build Mid America Mortgage in December of 2011. Mr. Bode founded the original Mid America Mortgage in 1989 and was the first lender to develop an interface inside Calyx’s Point software. The interface enabled brokers to price, lock, underwrite, and receive loan status, while drawing loan documents within Point or from a website linked to Point. Mr. Bode further developed the technology and has utilized those advances to offer superior performance in the mortgage industry. In 2003, Mr. Bode sold the previous company to Aegis Mortgage and focused on developing his software until 2007 when he returned to the mortgage business. Mr. Bode opted to stay out of ownership of a mortgage company due to the perceived risk he saw in the products being originated from 2004 until 2007. During that time he focused on winding down the original Mid America Mortgage, developing Mortgage Machine software, and creating a tax lien business.

Mr. Bode also has successfully founded and grown two other companies. Moncor Tax Advisors was a tax lien company that he founded in 2006. Within two years of its founding, Moncor became the largest single family tax lien company in the State of Texas. Bode also owns and manages Mortgage Machine Services Inc. a technology provider that is an IT solution for mortgage companies. It is the origination system that MAM utilizes.

In 2016 Mid America Mortgage began e-closing loans and has been e-closing in excess of 95% of its retail production electronically.

Mr. Bode was the driving force behind Texas HB 1217 allowing for an online Notary commission and perform electronic notarizations by means of audio-video communications. This bill has become the model remote online notary bill throughout the country.

In October of 2019 Mid America Mortgage, Inc. started a title company named Click’n Close Title, LLC. Click’n Close Title is planning to offer digital closings to it’s customers.

Jon Keagle is First Vice President and Manager of Community Financial Institutions for FHLBank Atlanta. In his role, Keagle directs FHLBank Atlanta’s relationship management efforts with nearly 800 community-based financial institutions across the Bank’s district. Prior to joining FHLBank Atlanta in 2012, Keagle was a senior account manager for national accounts with Fannie Mae, where he served in various customer relationship management roles since 1997. Keagle began his career at NCNB National Bank of South Carolina and later worked in small business consulting. He earned his Bachelor of Science in financial management from Clemson University, and a Master of Business Administration specializing in corporate finance and marketing from The University of Georgia’s Terry College of Business.

Kelly Arrington serves as senior vice president and chief mortgage operations officer for Raleigh, North Carolina-based North State Bank, where she has worked since 2013. She brings 20-plus years of mortgage industry experience to the role, including origination, underwriting, closing, training and compliance. In her current position, she led the North State Bank team in bringing North Carolina’s first full e-closing to fruition in May 2017. She is a member of the North Carolina eMortgage Closing Advisory Committee and regularly promotes the benefits of eMortages.

Kelly graduated from North Carolina State University with a degree in technology education. Prior to joining the mortgage industry, she taught in middle school, where she also coached the boy’s golf team. A native of Selma, North Carolina, she has lived and worked in Raleigh for over 25 years. Outside of work, she enjoys cheering for and supporting NC State Wolfpack athletics, biking, kayaking and spending time outdoors.

Professional Affiliations

American Mortgage Conference, Chairman
2019 North Carolina eMortgage Closing Advisory Committee, Vice Chairman

Community Involvement

NC State Poole College of Management, Mentor
North Carolina Community College Buyer Education Initiative 2019

Background

I served as president of North State Bank Mortgage for nine years before transitioning into this role where I can focus my time on deepening North State Bank’s community connections and educational programs. Prior to joining the Bank, I was president of Affiliated Mortgage from 1995-2010.

Education

North Carolina State University

Hometown

Enfield, North Carolina

Outside the Office

I enjoy fishing, watching a good game (Go Pack!) and spending time with my grandchildren.

Mark Ladd is the VP of Regulatory & Industry Affairs for Simplifile, part of the ICE Mortgage Technology family of companies. Ladd has nearly three decades of experience as a Recorder, an industry consultant and a technology provider for the mortgage and property records industries.

Prior to joining ICE Mortgage Technology, Ladd was the owner of Addison/One, LLC, a consulting firm focused on improving and automating land records recording and management systems. In this capacity, Ladd served as the Technology Coordinator for the Property Records Industry Association (PRIA) and was instrumental in the development of the PRIA eRecording XML standards.

Ladd served as the Register of Deeds in Racine County, WI from 1994 until 2004. During his tenure he implemented the first electronic recording system in Wisconsin, which was the tenth such system in the nation.

Active in many national trade associations, Ladd is a past president of the Property Records Industry Association (PRIA), and he has previously served as the Vice-Chair of the Residential Governance Committee for the Mortgage Industry Standards Maintenance Organization (MISMO).

Ladd’s background as a Register of Deeds, his involvement in the national standard setting process and experience in both the public and private sectors provides comprehensive insight into the dynamic digital mortgage arena.

Michael Cafferky is a Principal within Fannie Mae’s Digital Products organization responsible for the company’s eMortgage program. Holding a BBA from the College of William & Mary, Mike has spent the last half of his over 30 years at Fannie Mae developing and managing Fannie Mae’s requirements and technology related to eNotes and paperless closings. He is widely recognized as an industry expert on the topic, is a frequent speaker on industry panels related to eMortgagesand eClosings, and has provided numerous educational sessions at industry conferences on eMortgage requirements and processes. Mike routinely works with Fannie Mae customers, technology solution providers, document custodians, and warehouse funding providers to support their efforts to transition to electronic Notes and documents.

Nancy G. Pratt is the Senior Strategic Business Manager at Black Knight Technologies. She provides team leadership in attaining company goals and manages the strategic relationships for the growth of the company. She is responsible in maintaining the relationships at Federal and State level, understanding key regulatory issues and laws that pertain to the operations of Black Knight Technologies. She is involved with Sales Support and strategy of the promotion and development of the Digital Mortgage Solutions throughout the Title agent network and lender segment of the industry.

Nancy has over seventeen years of experience in the eMortgage/eClosing space, which played a key role in leading the go-to-market and implementation strategies for two of the five CFPB eClosing pilots. She has been in the mortgage/title industry for over 35 years and highlights of her career include industry milestones of performing the first complete eMortgage with lenders and conducting the first ever FHA and VA eClosings.

Nancy has been invited to speak at various industry conventions as an eClosing/eMortgage subject expert. She is a member of the ALTA Government Affairs, Public Relations, State Regulatory Action and Technology Committee, ALTA Remote online Notary Taskforce and has been an ALTA Springboard facilitator in 2017, 2018 and 2019. She is the Co-chair of the MBA MISMO eMortgage Group and was elected to the MISMO Board of Governance Technology Committee for the past several years. Additionally, over that same period of time, Nancy serves on the North Carolina Electronic Mortgage Closing Advisory Board. A member of MBA’s Residential Technology Committee, Nancy also holds professional memberships with PRIA, MBA, MISMO, ESRA, RESPRO, NASS/NPA and has served on the eMortgage FNMA Innovation Team.

In 2015 and 2016, Nancy was named as a Leading Lady in the Mortgage Industry by the MReport, and was a recipient of the 2016 MBA Tech All Star Award. Additionally, Nancy was named as an Elite Women in Mortgage by Mortgage Professional America and was named one of Housing Wire’s Women of Influence in 2016, 2017 and 2018.

Serving as the Chairman of the North Carolina Electronic Mortgage Closing Advisory Committee, Mr. Stallworth worked with mortgage industry stakeholders and directed the implementation of the state’s first viable electronic closing solution which will transform the multi-billion dollar mortgage industry. He also oversaw the publication of the Electronic Mortgage Closings in North Carolina 101 white paper, a first of its kind roadmap for lenders, attorneys and realtors to electronic mortgage closings. His efforts have led to North Carolina being the clear leader in eCommerce with the most registered eNotaries, having more than 90% of the state’s population with access to eRecording services and boasting the largest stream of electronic mortgage closing performed by the largest mortgage company in the nation. Stallworth developed the Secretary of State’s Continuing Legal Education program with a focus on educating the legal community on the laws governing notaries and electronic commerce. He is also responsible for the statewide notary education and training program including certifying notary instructors. Stallworth is charged with overseeing statewide investigations of notary misconduct and often serves as an expert witness for federal and state notary cases. He routinely engages and collaborates with other law enforcement agencies when notary misconduct intertwines with other criminal activities. A commissioned North Carolina Notary, registered eNotary and notarial practices expert, Stallworth graduated from Howard University in Washington, D.C., with a Bachelor of Arts degree in communications and public relations and was named by the National Notary Association as one of the 50 most influential people in the field of notarization over the past 50 years.

Raj Penugonda is a Product Development Director in Freddie Mac SF Product Delivery team and leads Freddie Mac’s eMortgage program and is responsible for managing and improving the program. In addition to identifying and managing internal strategic initiatives, he works closely with various industry stakeholders to increase eMortgage adoption.

Mr. Penugonda has over 19 years of experience in the residential mortgage industry, spanning the origination, default servicing and secondary market sectors.

Prior to joining Freddie Mac, he held roles in product management, change management and process design at Bank of America and Wells Fargo.

Mr. Penugonda holds a master’s degree in engineering and is an Accredited Mortgage Professional (AMP).

Freddie Mac provides liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities by providing mortgage capital to lenders. Today, Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. For more information, please visit www.FreddieMac.com and follow us on Twitter @FreddieMac.

Stacie Walker currently serves as Executive Vice President – Deputy Chief Lending Officer for State Employees’ Credit Union. She has over 20 years of experience with the credit union serving in various roles including the branch network and Audit Services prior to joining Loan Administration in 2013. She currently serves on the N.C. Electronic Mortgage Closing Advisory Committee.

Stacie has held licenses in personal lines and life/health insurance as well as designations for Trust representative, tax preparer, financial advisor, and investment advisor for SECU.

She is a graduate of Appalachian State University where she continues to remain involved with the University by serving on the Foundation Board and is also active in the Raleigh area by serving on various Boards such as Junior League of Raleigh and StepUp.

Tim Anderson is EVP, Director of eMortgage Strategy for eVolve Mortgage Services. He is responsible for developing product and corporate strategy and strategic partner relationships that enhance and drive adoption of their digital mortgage platform and services. Prior to joining eVolve he was SVP of Digital Strategy and Product Innovation for MortgageConnect.

He brings over 35 years of industry experience having worked on both the lender and vendor side of the business. He has held executive management positions with Pavaso, DocMagic, Docutech, Black Knight Financial Services , Stewart Title, FreddieMac and HomeSide Lending where he ran the eCommerce Division and worked at technology companies like Microsoft, Dexma and Tuttle Information Services. He was also the original founder of the eMortgage Alliance™ which promoted MISMO standards for delivering legally compliant paperless processes.

He has served on the Advisory Boards of Microsoft and the Housing Roundtable. He is a past member of the MBA's Board of Technology, (BodTech), eMortgage Adoption Task Force and MBA MISMO Governance Board and is a current member of the MBA Residential Technology Committee (ResTech), MISMO eMortgage Workgroup, the Electronic Records and Signature Association, (ERSA), ALTA Technology Committee and both FannieMae and FreddieMac Vendor Technology Advisory Committees. Known for promoting strategic applications and trends in technology such as eSign and MISMO category one SMARTDocs®, Tim has received many industry awards and accolades including the prestigious Steven Fraser Award from Mortgage Technology Magazine, Mortgage Professional’s Hot 100, Top Tech Innovator Award, Progress in Lending Thought Leader Award and named Mortgage IT AllStar by Mortgage Banker Magazine.