The expert is a Managing Director and senior risk analyst with more than 35 years of experience in financial services and information technology, including over 5 years providing expert witness and testimonial support in financial services matters. His expertise spans residential mortgage-backed securities (RMBS), mortgage servicing, securities pricing, credit and operational risk management, and cyber security, with extensive experience in both primary and secondary mortgage markets.

He specializes in risk analysis involving credit performance, underwriting practices, loan-level data integrity, trustee payment and disclosure activities, and bond cash flow evaluation. His subject matter expertise includes fixed income trading operations, mortgage securitization, bond administration, financial modeling, forensic loan reviews, regulatory compliance, data mining and stratification, and capital markets analytics. He has significant experience analyzing servicing advances, foreclosure timelines, loan modifications, and the effects of servicing conduct on RMBS bond performance.

He currently serves as Principal of a consulting firm focused on financial services, IT, and litigation support issues involving fixed income securities, particularly residential mortgages and mortgage-backed securities. In this role, he provides expert witness and testimonial support in matters involving issuer loan-level underwriting activities, servicer performance, cash flow generation issues, and bond trustee payment and disclosure analysis. His work includes developing analytical methodologies to assess the effects of collateral quality on bond performance, evaluating underlying mortgage and bond performance, reviewing servicing data for anomalies, and assessing loss mitigation strategies.

Previously, he served as Chief Executive Officer and founding partner of a mortgage analytics and data solutions firm that developed a comprehensive database of residential mortgages backing both conforming and non-conforming trusts. He led the creation of benchmarking and analytic tools used to evaluate servicer conduct, trustee performance, and bond-level cash flows through detailed review of deal documents and servicing data. His work included extensive correlation analysis of servicing advances and subsequent bond payments across thousands of RMBS transactions.

In earlier executive roles within major financial institutions and securities firms, he directed secondary mortgage trading operations, securities settlements, trust administration, and securities accounting functions. He supervised reconciliation of loan-level cash flows within multi-class trusts and the generation and disclosure of bond factors and investor payments for thousands of mortgage-backed securities. He also contributed to fixed income risk modeling initiatives and the development of early automated mortgage allocation systems.

His governance and regulatory experience includes banking and regulatory compliance, operational risk management, underwriting oversight, and evaluation of servicing practices, including analysis related to federal housing and loan modification programs. He has served for more than 10 years on the steering committee of a leading asset management industry forum.

He holds an undergraduate degree in finance and completed graduate-level work in economics. Through his combined leadership, analytical, and litigation support experience, he provides specialized analysis of complex financial instruments, mortgage securitization structures, servicing conduct, securities valuation, and operational controls within the financial services industry.