As executive vice president for Interthinx, Constance 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 25 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.
Her determination to protect her family and community led to the development of the Georgia Real Estate Fraud Prevention and Awareness Coalition, Inc. (GREFPAC). Fulmer is a co-founder and immediate past president of GREFPAC, a coalition of representatives from every segment of the real estate and lending industries, state regulators, local, state and federal law enforcement agencies and neighborhood victims. GREPAC’s success identifying fraud rings and its assistance in criminal prosecutions has garnered national recognition and serves as a model for fighting mortgage fraud. As a lawyer, Fulmer spent several years litigating insurance fraud cases. She has also served as an Assistant District Attorney prosecuting white collar crime, as a private detective specializing in mortgage fraud and as a civil litigator representing lenders in mortgage fraud cases. Fulmer’s expertise is often sought for assistance in researching and analyzing fraudulent transactions, identifying fraudulent schemes and perpetrators, and in the preparation of evidence for prosecutions.
As a member of the BITS loan fraud working group in Washington D.C., Ronan contributed to the BITS Fraud Prevention Strategies White Paper that was presented to the lending industry. With 18 years of experience in the industry, his background also includes positions as vice president of Quality Control Servicing Review for Aurora Loan Services and senior investigator for Radian Guaranty, where he performed investigations involving complex fraud cases and matters that are expected to go to litigation. Additionally, Ronan currently serves as vice chair of the MBA Fraud and Ethics subcommittee.
Roger, an experienced attorney, is active in the residential mortgage lending industry. His credits include numerous published articles and speaking engagements. Prior to joining Interthinx in 2004, Roger served in the legal department of Nexstar Financial Corporation (acquired by MBNA/Bank of America), where he focused on issues such as federal and 50-state licensing and examinations, loan officer licensing and education, fair lending and predatory lending compliance and legislative review and analysis. He also held positions at Citimortgage and spent several years in private practice.
Roger received his jurist doctor from St. Louis University School of Law in 1994 and his bachelor's degree in economics from the University of Missouri at Columbia in 1990. He is a member of the Missouri Bar and serves on the MBA's Legal Issues and Regulatory Compliance Subcommittee.
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.
Most recently, Dr. De Zilwa worked for Fair Isaac Research where he led efforts to better assess default risk associated with mortgage owners and HELOC consolidators, as well as fraud risk associated with credit cards. Prior to his position with Fair Isaac Research, he conducted research on low emission combustion engines and hybrid rockets at the Sandia National Laboratories and NASA Ames Research Center, respectively.
Dr. De Zilwa received his B.Eng. and Ph.D. in Mechanical Engineering from the Imperial College, London.
