Matthew Bowe Consulting

Strategy and Product Consulting for Startups, Entrepreneurs and Mid-Market Organizations.  Realizing outcomes through Product Strategy, Product Management, mentoring Product Owners.

Strategic Product and Marketing Consultant

GRAVICORE

Director Of Solution Strategy

Charles Schwab

Director, Product Strategy, BPM, Agile Leader COE

Modis

Agile Coach, Program and Product Transformation

Product Management/Agile Consultant and Engagement Manager

Pearson eCollege

Agile Program Manager / Agile Program Coach

Colorado Housing and Finance Authority

* Guided organization wide team to create reporting methodology to efficiently report on almost $100 million of American Recovery and Reinvestment Act (ARRA) funds.
* Represented organization as presenter of industry award winning software which manages liquidity, swaps, and bond activity for over $1 billion in assets.
* Currently assisting in the adoption of Agile project management methodologies on an organizational level.

Product Manager

Consultant

Embracing projects in User Experience Design, Business Analysis, Product Strategy, and Product Delivery. Currently designing and helping to build a Healthcare and Benefits Account system for FSA, HSA and other card benefit systems.

Product Owner

The Mortgage Coach

Director of Product Development

Self-Employed

Entrepreneur, Mortgage Technology

My 9 years at Apple were the best fit for me of any company.  Why?  Because Apple empowers the individual.  

It's what I am currently focused on... empowering Solopreneurs, Intrapreneurs and Entrepreneurs to fathom and realize their full potential.

Matthew Bowe

Linda Yeh

Promote the growth of this pre-seed stage start-up that aims to revolutionize the financial and insurance industries by offering the world’s first credit card fully secured by life insurance.

Attend and contribute to meetings with fellow C-suite officers and advisors to strategize approaches, capitalize upon emerging opportunities, and collaboratively resolve issues.
 
Negotiate mutually beneficial terms of contracts and partnerships.

Prepare financial models, pitch decks, and cultivate relationships with potential investors and B2B partnerships.

Co-Founder and COO

Fund That Flip, Inc.

Directed the activities of an 80-person team in the private lending business across underwriting, appraisals, legal, servicing, asset management, risk, and compliance, with a focus on scaling and automating operations.

Executed legal reviews of vendor contracts and investment agreements; delivered knowledgeable advice on litigation matters.

Fostered a data-driven culture through the consolidation of disparate servicing payment data streams, leveraging data to drive decision-making and streamline internal processes; decreased external legal expenses by 40% and improved internal drafting of closing document costs by 50%+.

Built and grew a risk and compliance department with responsibility for drafting corporate and departmental regulatory policies, maintaining business registrations and licensing, information security, and investment guidelines.

Oversaw the recruitment, interviewing, qualification, and hiring of a high-performing department team.
 
Pioneered a new contract operations program and implemented a procurement system from intake through payment; authored vendor policies and questionnaires, facilitated company training, and defined risk rating.

Demonstrated up-to-date knowledge of dynamic regulatory requirements in the industry, including those on federal/state/local levels.

Chief Risk & Compliance Officer

Celink

Developed a dashboard to manage the claims pipeline through Power BI, including forecasting and identifying impediments, to improve claims quality and productivity by 20%+.
 
Initiated an enterprise risk management program to monitor all levels of company-wide risks based on a defined framework and rating matrix, which proactively identifies and deploys action plans to mitigate high-risk areas, including the production of dynamic oversight control reports reflecting metrics such as month-over-month operational compliance violations, critical third-party downtime with associated lost productivity costs, and financial fraud attempts in volume and dollars for submission to corporate leadership.
 
Integrated quality control software applications and testing programs in compliance with FHA guidelines, including operational monitoring and targeted reviews.

Mitigated counterparty risk through the development of a contract management program that actively manages vendor agreements and tracks vendor performance through detailed scorecards and servicing level agreements.

Orchestrated data privacy and security monitoring programs to protect customers’ personally identifiable information from illegal distribution outside the company and its affiliates.

Senior Vice President Risk Management

Mortgage Assets Management, LLC

Led the sourcing and selection of new technology and business intelligence systems to manage a $2b portfolio.

Contributed insights to inform executive-level decision-making with the company’s investors and other third parties related to due diligence on mergers and acquisitions and other contractual transactions.

Coordinated critical work streams to accelerate the acquisition, stabilization, and integration of a bankrupt sub-servicing company, which was 16 times the size of MAM, and eliminated $800m+ in restructured debt.

Maintained oversight of legal issues and litigation cases impacting the company, including contested loan-level cases.

Evaluated servicing activities performed by the company’s sub-servicer and vendors to assure compliance with regulatory guidelines with a focus on reducing servicing costs while maximizing loan performance.

Vice President, Servicing Operations and Oversight

Relayed information regarding new regulatory guideline notifications that impact the company’s oversight and management of its mortgage loan portfolio; ensured the similar interpretation and implementation of guideline changes by its third-party service providers.

Senior Director,  Asset Management 

Devised policies and procedures that comprise the company’s quality assurance and quality control programs of its mortgage servicing portfolio and third-party servicing vendors.
 
Implemented and administered the quality control system; supervised actual quality assurance and control loan-level testing; reported findings and observations; crafted action plans for satisfactory resolution.

Director, Compliance and Quality Control

CIT Bank

Financial Accountability
Minimized the losses from a $150m reserve related to the sale of forward MSRs by appealing investor repurchase and indemnification demands and third-party claims.

Engaged in negotiations between executive management and purchasers regarding settlements of both forward and reverse mortgage portfolios, resulting in savings of $300m+ in potential claims.

Conducted and interpreted the results of data-driven analytics; capitalized upon an opportunity to reduce an arbitration demand by almost $60m.

Explained analytical findings, conclusions, and recommendations to C-suite and board leaders to obtain buy-in. 

Origination of Forward Mortgages
Conceptualized and introduced processes to identify and monitor investor and insurer guideline changes that impact mortgage lending operations and credit risk.

Guided implementation of an FHA lending program by enhancing LOS FHA modules, preparing P&Ps, and building process enhancements for each area of sales, pricing, marketing, post-sales, and closing.

Innovated a new process for appealing mortgage insurance rescissions related to origination deficiencies.

Oversaw the execution of a data integrity project to ensure compliance with CRA and HMDA reporting requirements.

Director, Secondary Marketing and Repurchase Administration

OneWest Bank

Servicing of Forward and Reverse Mortgages
Drove the achievement of a 95%+ rebuttal rate of investor indemnification and repurchase demands on mortgage loans.

Appointed as the head liaison with external auditors, business units, and executive management to expedite the remediation of material weakness and loan-level findings on a reverse mortgage portfolio.

Provided mentorship to a team of 100+ attorneys and foreclosure experts in auditing 30k+ loans and resolving 10k+ exceptions as part of the Independent Foreclosure Review mandated by the OCC Consent Order.

Recognized as the only servicer out of 14 major banks and servicers subject to the OCC Consent Order that completed the IFR on time and with a critical error rate of under 0.5%.

Vice President, Secondary Marketing

Bloomberg LP

Contributed to the design and launch of a legal research database to compete against two of the largest industry legal research systems.

Reviewed and drafted holdings for security cases and was designated the primary expert for bankruptcy and civil litigation cases.

Attorney

Bell Nunnally & Martin LLP

Industries & Notable Cases
Represented clients in the banking, commercial real estate, structured settlements, substandard assets, and soda bottling industries.

Appeals
Authored appellate briefs to federal district courts and courts of appeals and Petition for Writ of Certiorari to the United States Supreme Court.

Argued successfully an appeal before the 10th Circuit Bankruptcy Appellate Panel resulting in client’s recovery of almost half million dollars.

Litigation Experience
Deposed debtor and conducted asset search investigation which uncovered over a million dollars in rental homes and recovered for the Chapter 7 bankruptcy estate.

Effectively negotiated settlement in avoidance action deterring client’s liability in returning hundreds of thousands of dollars in preferential payments.

Management
Advised and counseled business executives on contract compliance, ethical duties, financial transactions, litigation matters, and billing issues.

Associate

United States Bankruptcy Court - Southern District of Texas

Opinion published by U.S. Bankruptcy Court

Clerk (Internship) for Hon. William Greendyke (ret.)

I am an operations executive and compliance officer with 21+ years of experience. Recognized for demonstrating a natural aptitude for enhancing internal productivity and quality while minimizing risk, I have a verifiable history of contributing directly to company growth and expansion throughout my career. As such, I have consistently exceeded budgetary and performance goals, and I am adept at achieving maximum operational output with minimal resource expenditure. Professional focal points include executive management/leadership, process optimization/automation, regulatory compliance, legal and risk mitigation, system implementation, software development, contract procurement, project management, and policy creation.  

Currently, I am the Co-Founder and COO of Vie Inc. Here, I drive the development and growth of this start-up’s operating base, including procedures, strategies, and team building. In addition, I liaise with C-suite leadership, stakeholders, and frontline teams to ensure that the company’s support structure is driving the business forward with minimal expenditures.

Colleagues describe me as a progressive, driven, down-to-earth, regulatory expert who can be relied on to offer superior solutions to complex problems in dynamic industries.

I am interested in contacting former colleagues and managers, as well as other professionals in my field. Feel free to contact me through this profile if you wish to connect.

taplio

The Battle

Matthew Bowe

Linda Yeh

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