Company
At Interthinx, we believe true innovators reinvent the game.
The Interthinx Advantage
Executive Leadership
Risk-mitigation decisions based on a combination of fraud detection and performance data analysis hold greater promise for the mortgage industry than fraud detection alone. It’s one thing to detect mortgage fraud after it has occurred. It’s quite another to detect possible fraudulent activity pre-funding based on commonalities and inconsistencies that should not exist, and then it’s quite another matter still to be able to predict the likelihood of losses based on the addition of performance data.
In other words, if there were a way to accurately predict the level of losses that would occur if certain loans were funded, wouldn’t it make sense to use that tool on 100 percent of volume to truly protect company assets?
We at Interthinx believe the future of the industry is in performance data and evaluating the performance of a fraud system against the hundreds of thousands of loan files run through it. Only this will allow a fraud-detection tool to be tuned so that it can accurately predict the performance and mitigate loss during the origination process. Read more in our Risk Metrics Validation Study.
Executive Team
The Interthinx executive team is dedicated to the company’s mission of honesty, integrity and individual respect in all matters involving customers, partners and employees.
> Kevin Coop President

Kevin Coop is president of Interthinx, where he oversees the day-to-day operations. Coop has more than 15 years of sales management and general operating experience in both technology and software enterprise-wide solutions.

Prior to Interthinx, Coop joined Sysdome in 2002. He served as president and chief executive officer at Sysdome, a leading provider of fraud management technology.

Coop was senior vice president and general manager of the Retail/Consumer and Realtor groups of Westlake, Calif.-based Homestore.com. During his tenure at the company, Coop was instrumental in growing product and enterprise solutions with revenues from $5 million to $225 million. He was chief sales and implementation architect, deploying more than 1,000 field sales personnel and eventually managing the day-to-day operations for multiple divisions of the company.

Prior to joining Homestore in 1998, Coop spent time in sales and sales management positions at Harbinger Corp. and Premenos Corp. promoting Electronic Data Exchange (EDI) and e-Commerce business-to-business solutions.

Coop earned a bachelor's degree in history and political science from the University of California, Los Angeles.

 
> Constance “Connie” Wilson Executive Vice President

As executive vice president for Interthinx, Connie Wilson is responsible for directing product marketing and design. Wilson oversees the direction of the fraud unit and quality control functions for the company. She has 24 years experience in mortgage banking, including first and second mortgages and sub-prime products, as well as underwriting, quality assurance, due diligence, claims and fraud management.

Prior to Interthinx, Wilson was executive vice president for AppIntelligence. She designed the company's automated data integrity scoring system, DISSCO, and its automated Desktop Appraisal Review program, FRADAR. She also co-developed AppIntelligence's FRADAR, Valverify (property value verifier) and AVM (automated valuation model). Wilson's expertise was instrumental in designing the company's quality control program and fraud tracking database for all mortgage loan types. Wilson has authored and published an extensive fraud-training program nationwide to financial institutions and state and federal law enforcement agencies. She has also been chosen as a keynote speaker at numerous industry-sponsored events, seminars and conferences.

 
> Mike Zwerner Senior Vice President of Business Development and Marketing

Mike Zwerner is the senior vice president of Business Development and Marketing for Interthinx and is responsible for establishing and maintaining strategic partnerships with customers in the mortgage industry. Additionally, he oversees the company's national marketing and public relations efforts.

With more than 15 years of sales and management experience, Zwerner has served as vice president of Business Development for Sysdome since 2002. Prior to Sysdome, Zwerner was vice president of Sales and Marketing for Homestore Inc., where he managed the sales and marketing efforts for the company's largest division, Realtor.com, as well as its Homebuilder division. He managed more than 500 employees and was responsible for the company's revenues of more than $100 million. Zwerner was also director of Business Development for PointCast Inc., an Internet media and technology company, and was responsible for creating the company's business-to-business strategy before joining HomeStore Inc. Additionally, he worked in Office Depot's office technology and support division as director of Business Development. As a systems engineer with Electronic Data Systems (EDS), Zwerner graduated from the Systems Engineering Program in 1990 where he went on to be instrumental in the development and sales efforts for the Blue Cross and Blue Shield of Massachusetts. Zwerner graduated with a bachelors of science degree from the University of Massachusetts, Amherst.

 
> Jeff Moyer Senior Vice President of Sales

Jeff Moyer is the senior vice president of Sales for Interthinx, where he directs the organization's national sales efforts and leads both the outside and inside sales teams.

Prior to Interthinx, Moyer was vice president of Sales for Sysdome, where over a 3-year period he successfully built out the company's sales team and infrastructure, resulting in a ten-fold sales increase during that same period. With more than 15 years of sales and management experience, Moyer has been responsible for several organizations' primary customer base. His experience includes successful roles at Xerox Corporation and Cadbury Schweppes. Additionally he worked at Homestore, Inc. where he headed up national sales efforts for the company's $60MM multifamily housing division. Moyer earned a bachelor's degree in economics from the University of California, Los Angeles.

 
> Mark Chapin, IFA Chief Valuation Officer

As Chief Valuation Officer for Interthinx, Mark Chapin oversees all value related activities that include our extensive file review services, new and existing product development initiatives and government and regulatory compliance efforts. Prior to joining Interthinx, Chapin served as Managing Director of National Business Development with Zaio, a Calgary, Alberta based technology firm that develops automated and appraiser guided valuation solutions.

His background includes serving three settlement service firms over fifteen years as Chief Appraisal Officer where Chapin developed and marketed national scope valuation and property inspection solutions. He pioneered the managed valuation solution, whereby independent appraisers serving a common corporate interest could produce uniform credible report products.

Chapin assisted in the growth of Tennessee based Appraisal Forum as Chief Valuation Officer. He spent five years working with FIS Valuation Solutions as Senior Vice President of Business Development building and selling risk mitigation offerings.

Chapin serves The Appraisal Foundation as former chair of The Industry Advisory Council and past member of The Foundation’s Board of Trustees. His diversified background includes federal government and conventional lending experience, independent specialty valuation experience in Virginia, North Carolina, and Tennessee - and decades of marketing, solution development and sales experience in the US and Canada.

 
> Mike Smith Chief Technology Officer/Chief Architect

As Chief Technology Officer/Chief Architect for Interthinx, Michael Smith oversees all activities related to the application of analytics to improve decision-making. His experience in the design and delivery of complex analytical systems that improve decision making and strategic planning has made him a valuable addition to the Interthinx organization.

Prior to joining Interthinx, Smith was Chief Software Architect for Strategic Analytics, a company that provides analytical software and services to the retail lending community. He was instrumental in leading software design as well as developing client relationships with major lenders. In addition, he taught courses in complex systems analysis and portfolio modeling to top retail lenders around the world. Smith designed the software application architecture for a product suite used to analyze and forecast retail credit portfolios based on nonlinear dynamics including natural customer lifecycles, environmental/economic effects and individual customer characteristics. His work has resulted in several patents in the area of retail lending.

Smith’s background also includes a senior role with the Center for Adaptive Systems Applications (CASA), where he designed and deployed banking simulations for Citicorp, and with Motorola in their Government Electronics Group where he led development of real-time intelligence applications for use by the United States Military.

He has a BS in Computer Science from Colorado State University with a specialization in machine learning. He also attended Arizona State University to pursue an interdisciplinary degree in psychoacoustics with a focus on computer modeling of the human auditory system.

 
> Mark Williams Vice President of Analytics

As Vice President of Analytics for Interthinx, Mark Williams leads the team that continues to refine Interthinx credit risk models and derivative product offerings. He brings over 30 years of experience in credit risk modeling and asset liability management with large, international financial services institutions, including Bank of America, Wells Fargo and Chase.

His deep experience, his attention to detail in modeling, and his emphasis on model outcomes that translate directly to business actions are great assets as he directs a team working to change the way the industry performs risk analysis on pools and at the loan level.

Previously, Williams served as President of VaRisk, Inc., a firm that provides software development, credit risk management, and asset liability management consulting services to financial services providers. He has overseen a number of projects, such as providing Wells Fargo Consumer Credit Group with VaRisk's prototyping system and creating a Monte Carlo simulation system for SunTrust Mortgage.

After 20 years at Bank of America, Williams left his position as vice president and manager of domestic fixed income research in 1999 to join VaRisk. He has also served as vice president of credit risk modeling for Andrew Davidson and Company and vice president of product management for LoanPerformance.

Williams earned his Bachelor's degree in Inter-American Studies with an emphasis in Business Administration from the University of the Pacific. He also completed coursework for an MBA in Finance from the University of California at Berkeley.