October 9-10, 2025
Waldorf Astoria Monarch BeachDana Point,CAPreliminary Agenda
AI Infrastructure Building Blocks
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Mortgage AI 101: Learning How To Talk To The Tech Guys (virtual)
- What is really AI and what is not?
- Tech stack, infrastructure & data needed
- Risk of AI-bias
- Defining Robotic process automation vs. machine learning vs. natural learning process vs. small language models
- Best practices in training systems and creating algorithms
- Big data, noise prevention & AI
- Chat GPT & AI copilots
- AI autonomous agent development
- Computer vision and machine learning
- Living large with LLMs
- Supervised vs. unsupervised learning
- Recommendations of getting up to speed
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Staff vs. AI vs. Virtual Assistants: How You Can Manage The AI/Human Balance
- Which mortgage jobs are in most likely to be replaced? Are there different tasks that can be done that will enhance productivity?
- How are you using VA’s? The ROI of replacing them with AI solutions
- What AI means to the life of a loan officer?
- Should you have 3rd parties train? Tools that assist in people development, training and education
- How do you mitigate the hallucinations?
- Cost of offshoring vs. AI
- On-boarding best practices
- Which roles do not see getting replaced?
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Build Vs. Buy, Choosing Your AI Vendor Partner & Measuring Performance
- How many people does it take to build a model vs. running an off-the-shelf application?
- What do you look for in an off-the-shelf solution?
- Building out a data warehouse… Build or buy?
- Is it worth building a model with the next generation always right around the corner?
- What are the competing models out there?
- Finding talent when you can’t
- Should you use a 3rd-party to help you select?
- What is your evaluation process?
- Approaches that use both buy and build
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Adapting Industry Standards & Government Regulations To Assist In Building A Legal, Regulatory & Compliance Framework
- Open AI, document storage
- TPCA/FCC prior consent for machine learning communication: Latest regulations and proposals
- Aligning data privacy and security with regulatory requirements
- Any early lawsuits out there?
- What kind of regulations are you expecting under this administration?
- What do you do about accidental information collected during the application process?
- Evaluating new federal requirements for managing risks of “high impact AI systems
- Requirements for notification, consent and transparency when AI systems process personal data
- CFPB and the agencies under the new regime
- Independent audit requirements and explaining it all to the regulators
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An AI Mortgage Overview Of The Practical: What’s Working, What’s Hype & Where Is The Real Impact Being Seen?
- Which are the key areas that are being transformed? What is the next one on the list?
- What are the current capabilities of AI in mortgage?
- What kind of labor costs can be saved? Errors that can be prevented
- Industry legal and regulatory blowback
- What is holding back the industry from further adaption?
- Risks and risk management including data quality and protection
- Impacts on origination, servicing, investment and other key functions
Using AI
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User Friendly Adaption & Brain Damage Minimization: Plan, Pilot, Train, Execute & Scale To Success
- Evaluating your current technology and the tools you are using
- Garbage in, garbage out: Training best practices you need to be aware of
- What are common errors and pain points that eat up valuable time and resources when implementing?
- Integrating with existing mortgage systems
- How do you determine when to launch?
- Evaluating what is being promised vs. what is practical
- Origination, servicing or investments: Where is the most bang for the buck?
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Data Management Excellence: Quality, Management & Training Models Responsibly And With Transparency
- What kind of work can AI do to find the best data? How can you control it?
- Picking out key data points and building out a proper data warehouse
- What are the kinds of platforms that can pull insights and strategies from your unstructured data?
- What are you doing to prevent noise?
- Using the data to make forecasts and predictions
- Different AI models; Different data
- Governance: Bias, confidentiality and access
- Security and privacy protections
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Customer Service Comms & CRM: How You Are Using AI To Improve? When Do You Have AI Interacting With Your Consumer?
- Mapping the journey and training the software: Customer service strategy and your use of AI
- When the phone call/customer communication comes in: Voice vs. electronic communications; Meeting transcription, creating and assigning actions to appropriate staff
- The 800lb gorilla… AI, job description fluidity and job replacement
- Customer service chatbots
- Social media post responding
- MISMO standards and communications
- Sentiment analysist and emotional intelligence
- Compliance and regulatory documentation
- Maintaining unified customer experience across channels
- Which areas do you reserve for higher-touch, human to human interaction
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What Can Go Wrong? Managing Your AI Risk From Displacement, Underserving & Empathy Loss To Skynet And Global Thermonuclear War
- What kind of risks are you facing?
- What is in the black box?
- Managing the compliance risks that AI can cause
- The more information that is collected the more of a risk for privacy and data going public?
- What kind of controls do you have in place?
- How do we protect our organization from the AI-technology we are introducing
- Legal, regulatory and “getting sued” risk
- How are you using humans to manage AI risk?
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The “C-Suite” Perspective: How I Am Strategically Deploying & Managing AI Initiatives?
- How are you integrating AI into the everyday life of your loan process?
- Are you going from reducing cost per file to delivering intelligence, speed and strategy at scales? • Running leaner and meaner using AI
- What is your role in AI development?
- How is AI changing your organizational strategy?
- How are you measuring and quantifying the ROI of your AI investments across different business units?
- What governance frameworks and ethical guidelines have you implemented for responsible AI deployment?
- How are you managing the cultural transformation and change management aspects of AI integration?
- What strategies are you employing to upskill and reskill your workforce to work alongside AI systems?
- Which areas do you see AI being most impactful in going forward?
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Large Mortgage Investor, Originator & Servicer Plenary
- When would you use a start-up?
- Are you going from cost center to creating value?
- ROI of current projects
- Are you creating AI tools for decision making, efficiency or insight?
- How are you getting compliance involved?
- How are you evaluating and mitigating AI-related risks in mortgage underwriting and servicing processes?
- What role does AI play in improving loan portfolio performance and predictive analytics?
- How are you balancing automation with human expertise in complex mortgage decisions?
- What strategies are you implementing to ensure AI models remain accurate across different market conditions and economic cycles?
- Impact on business models
AI Mortgage Applications
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The Consumer-Facing Mortgage Full Digital Lifecycle Experience: How Can AI Assist?
- Is the consumer ready to interact with an AI agent?
- How are you personalizing the digital mortgage journey using AI-driven insights and customer data?
- Communicating missing information and documents
- What role does AI play in providing real-time loan status updates and proactive notifications?
- Workflows and AI agents
- How are you using chatbots?
- Consumer education apps
- All technology vs. hybrid, in-branch approaches
- What strategies are you implementing to ensure AI-powered solutions remain accessible to diverse consumer segments?
- The post-closing experience
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Mortgage Origination & Client Onboarding: Improving Your Operational Efficiencies, Replacing Redundant Tasks & Workflow Automation
- Streamlining post- close operations
- How much underwriter error can we save?
- What are the barriers to fully underwriting loans using AI?
- Employing AI to foster inclusive credit access
- How fast? Can AI halve your underwriting time?
- Pre-qualification and pulling information in
- Guardrails and system protections
- Using AI for which part of origination and onboarding has the highest ROI?
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How You Can Increase Your ROI Through Predictive Modeling, Detecting & Preventing Fraud
There is a proliferation of fraudulent documents being created by borrowers, with some of them using AI tools … What tools and disclosures need to be put in place to prevent abuse or mortgage fraud?
- What can be gleamed from past fraud cases
- AI-assisted Identification verification
- Document cross-verifications and audit trails
- Detecting suspicious communications
- Flagging suspicious digital interactions
- Using document authentication to detect manipulated files
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The Future of Intelligent Loan Servicing, Default Management & Reporting
- What behavior will lead to loan defaults?
- How AI can plaster over some of the servicing cracks
- Servicing has a massive trove of data to incorporate…
- How AI is helping with accounting and reporting
- Streamlining post-closing operations
- Using an AI voice agent Proactive risk management
- Regulatory compliance automation
- Document processing efficiency
- Using AI-assisted predictive modeling to predict prepayments and defaults
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Property & Mortgage Valuation: How You Will Be Using AI For Precision Pricing
- AVMs and AI… How is the market for appraisals and assessments changing?
- Traditional software-based appraisals order management systems vs. AI-agent delivery agents
- Document analysis automation
- Extracting valuable data from unstructured property documents and local market reports
- AI-powered image analysis for property condition assessment from photos and virtual tours
- CFFP regulations to be aware of
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Using Your New AI-Marketing Assistant To More Effectively Reach New Customers & Cross-Selling Existing Clients
- Blending AI with your CRM tools
- Looking for refi’s and upsells in all the right places
- How have AI-driven predictive models are helping find customers
- Social media and branding strategies
- What kind of tools do brokers and correspondents need
- Multi-channel optimization: Identifying optimal communication channels and timing for different customer segments
- Harnessing predictive analytics for customer lifetime value assessment and prioritizing high-potential leads
- Automated lead engagement: Identifying customer lifecycle stage and personalized, appropriate content
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Capital Markets, Trading, Investments, Risk Models & Pricing: Using AI To Create Alpha
- Where AI is being used for securitization?
- Loan pooling and pricing
- Enhancing risk management including prepayment, credit and default risk predictive modeling: Let’s start at training!
- How have you used AI in buying on the secondary market?
- Liquidity & hedge management and cash flow forecasting
- Cross-asset correlation analysis
- Securitization applications
- AI, trading and control: What is the balance?
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Commercial Mortgages & AI
- How is AI being used for capital markets, trading and investments? How about risk management and pricing the secondary market?
- Servicing and special servicing applications
- AI in commercial mortgage origination
- Integrating environmental, natural disaster and insurance risk
- Tenant lease evaluation and credit quality
- Location-based econometric analysis
- Construction monitoring
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