Third Annual Electronic Mortgage Closing Conference November 16, 2021 - 10:00 AM
Fee is $100.00 per attendee.
*We do not accept payments at the event*
Vice President of Mortgage Services.
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.
North Carolina Secretary of State
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.
Garth Graham is a Senior Partner at STRATMOR Group, a 40-year-old mortgage banking consulting firm. At STRATMOR, Graham manages the company’s mergers and acquisitions activities, providing strategies for some of the largest Independent and Bank-owned mortgage lenders. Graham has more than 30 years of experience in mortgage banking ranging from Fortune 500 companies to successful startups, including management of two of the most successful e-commerce platforms.
A true digital pioneer, Graham is one of the most knowledgeable, trusted, and widely cited technology experts in the mortgage industry today. Since joining STRATMOR, Graham has advised more than 175 mortgage companies, including many of the top lenders in the country, on making IT investments that streamline operations, improve profitability, and accelerate growth. In 2019, Graham was named to HousingWire’s inaugural list of Technology Trendsetters.
Graham is a frequent speaker at national mortgage conventions where he balances data insights with humor. While COVID-19 curtailed his in-person appearances, Graham filled his no-travel time with fostering rescue dogs who may not appreciate his mortgage insights or laugh at his jokes, but do appreciate the long walks on the beach near his home in Fort Lauderdale, Florida.
Director of Digital Services
Harry Gardner is Director of Digital Services at ICE Mortgage TechnologyTM, part of Intercontinental Exchange, Inc. (NYSE: ICE), a leading global provider of data, technology and market infrastructure. In this role, Gardner leads product management for MERSCORP, including the MERS® System, MERS® eRegistry, and new product development. He also provides eClosing and eVaulting subject matter expertise to help guide the development of new product offerings for the Encompass loan origination system and Simplifile (all part of ICE Mortgage Technology).
Prior to his current role at ICE Mortgage Technology, Gardner served as Executive Vice President of eStrategies at Docutech where he guided the design and development of a new eVault/eClosing product offering. Before that, Gardner served as Vice President of eStrategies at Ellie Mae (now part of ICE Mortgage Technology), President of SigniaDocs (now Evolve Mortgage Services), and Vice President of Industry Technology for the Mortgage Bankers Association, supporting and guiding the digital transformation needs of the lending industry.
Gardner has been a significant contributor to the mortgage industry during his 20+ year tenure as an industry expert and MISMO® leader. He began his professional career as an electrical engineer and then turned mortgage technologist and eMortgage evangelist in 2001, taking turns along the way as a network administrator, database systems designer, and early intranet systems designer.
Gardner has served the industry in numerous roles, including Chair of the Board of Directors for the Electronic Signature and Records Association (ESRA), President of MISMO, Chair of the MISMO Residential Governance Committee, and then as a member of its Board of Directors.
A recognized industry expert, Gardner was recognized for his industry contributions by Mortgage Technology Magazine in 2012 with the Steve Fraser Award, “A lifetime achievement award that recognizes the accomplishments of an outstanding mortgage technology innovator, visionary or evangelizer.”
As “The eMortgage Evangelist,” he wrote a series of articles for Mortgage Banking Magazine covering many aspects of the early world of electronic mortgages and was recognized by MBA as an “eMortgage All-Star” in 2009 and twice as a “Tech All-Star,” most recently in 2018. Gardner was also named to Mortgage Professional America’s Hot 100 List in 2018, highlighting individuals who have made a significant impact on the mortgage industry.
Gardner earned a bachelor’s degree in electrical engineering from the University of Virginia.
First Vice President and Manager of Community Financial Institutions
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.
Senior Relationship Development Officer
- 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
- 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.
- North Carolina State University
- Enfield, North Carolina
- Outside the Office
- I enjoy fishing, watching a good game (Go Pack!) and spending time with my grandchildren.
First Vice President and Director of Collateral Management
Kent Scott directs collateral management services for the Federal Home Loan Bank of Atlanta. In his role, Scott manages the types of collateral accepted by the Bank and works with the Bank’s shareholders to help them maximize value from their eligible collateral. Prior to joining the Bank in 2003, Scott worked for Equitable Real Estate Investment Management and Lend Lease Real Estate Investments as a senior commercial real estate underwriter. Scott earned a Bachelor of Business Administration in finance from Georgia State University in Atlanta, Georgia.
National Director of the Customer Group
Liz Barnicle is the National Director of the Customer Group at MERSCORP Holdings, Inc. The organization, with over 5,000 customers, owns and operates the MERS® System, which tracks the serving rights and beneficial ownership rights for over 77% of all mortgages in the U.S. MERSCORP Holdings also owns and operates the MERS® eRegistry, the national mortgage registry and system of record for identifying the Controller and Location of all electronic notes. Her primary focus is to support MERS® System Members as they evolve their business providing tools for digital mortgage implementation, including the MERS® System Residential, MERS® eRegistry and MERS® eNote Solutions. She entered the mortgage market in 2010 as a shareholder and member of the Sales Management Team at Titan Lenders Corp in Denver, CO. Her primary role was business development of a diversified product set that included; aggregating loans as a Jumbo Correspondent Investor, Trade Transaction Management, Whole Loan Purchase Review, General Fulfillment (outsourced closing, funding, post-closing and shipping), Warehouse Line QC and MERS Data Integrity and QA Services. She helped position Titan for a successful exit and acquisition by MetaSource in 2016. Liz joined MERSCORP Holdings, Inc. in March 2018 from MetaSource, a technology-driven provider of Business Process Outsourcing (BPO) / Business Process Management (BPM) services. As Director of Business Development, she was tasked with cultivating the MERS® QA data integrity platform and other QC outsourced channels. She received a BA in Media Communications and Minor in Biology from University of North Carolina at Greensboro. Since earning the MBA’s Accredited Mortgage Professional (AMP) designation, she is in pursuit of her Certified Mortgage Banker (CMB) accreditation.
Director, Electronic Notarization and Notary Enforcement
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.
Product Development Director
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.
SVP Director of Digital Strategy & Product Innovation
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.