{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"In the Loop","title":"In the Loop Episode 2 | Mortgage Compliance and AI in Today’s Mortgage Industry","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/6d24dc76\"></iframe>","width":"100%","height":180,"duration":2677,"description":"\nMortgage compliance is changing faster than ever, with technology, AI, and multistate oversight reshaping how companies and regulators work together.\nIn this episode of In the Loop, hosts Kareeme Tucker and Derek Storms sit down with Melissa Koupal, Chief Risk and Compliance Officer at CMG Mortgage, and Jeff Midbo, SVP and Chief Compliance Officer at United Wholesale Mortgage. They dive into how the mortgage industry is adapting to AI-driven workflows, navigating multistate exams, and fostering collaboration with regulators to maintain efficiency, risk management, and consumer protection.\nIn this episode, you’ll learn:How AI and operational tools are streamlining compliance and quality controlStrategies for balancing efficiency with thorough, risk-focused supervisionWays industry and regulators can collaborate for smoother multistate examsThings to listen for:\n\n(00:00) Introduction(03:33) Guest introductions: Melissa Koupal & Jeff Midbo(06:05) Individual vs. multistate exams: challenges and benefits(13:40) Lessons from the OCOE process and exam moratoriums(15:05) The evolving mortgage environment and technology adoption(20:16) Leveraging AI for fraud detection, asset verification, and operational efficiency(26:32) Effective collaboration between industry and regulators during exams(31:44) SES and NMLS: the importance of consistent systems across states(36:10) Best practices for remote vs. in-office exams(38:48) Compliance pro tips: building relationships and learning across organizations(40:40) Reading preambles, operationalizing regulations, and attention to detail(41:41) Pizza question: fun insights and personal favorites \nResources:Derek Storms’ LinkedIn: https://www.linkedin.com/in/derek-storms-81026269/\nKareeme Tucker’s LinkedIn: https://www.linkedin.com/in/kareemetucker/ Jeff Midbo’s LinkedIn: https://www.linkedin.com/in/jeff-midbo-15268a5/ Melissa Koupal’s LinkedIn: https://www.linkedin.com/in/melissa-koupal/ \nExaminers know the drill—new city, long day,...","thumbnail_url":"https://img.transistorcdn.com/X5vGNvHuQ3b0l4Rg1LvoxRvdW4VetQh51dBOhSmxhpw/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9kMTYz/YjFiMzFjMmZkOTFh/NzFkZTYyOGYzZmM0/ZTk3Yi53ZWJw.webp","thumbnail_width":300,"thumbnail_height":300}