About the FinLocker Personal Financial Management Tool
Meet the FinLocker Leadership Team
Our team includes experienced industry executives representing a diverse background in mortgage banking, technology, cybersecurity, consumer credit, real estate, mortgage legal and compliance, venture capital, data and software-as-a-service platforms.
Peter Esparrago / Co-Founder and Executive Chairman
Peter has over 25 years of global technology and security leadership experience in a variety of industries including financial services. Peter is Co-Founder and General Partner of Cultivation Capital, a venture capital firm. Peter was on the Board of Directors for Scottrade, a leading brokerage and bank. He was CEO of IntraISP, a global BSS/OSS software-as-a-service, in which he grew and sold twice. He was President of two security companies, Cigital (software security) and Mycroft (identity & access management). Peter was COO of Ariel Research, an EH&S data-as-a-service, in which he helped grow and sell. Peter was President of RCIG, a holding company of 8 technology companies (data centers, cloud services, SaaS, ISP, WISP). Peter spent 16 years at Accenture, where he was a Partner.
Barry Sandweiss / Co-Founder
Barry has over 20 years leadership experience in real estate and real estate finance. He was Co-Founder/COO of Lenders One, the largest mortgage banking cooperative in the U.S., in which he grew and sold. Barry was SVP and member of Global Leadership Team of Altisource Portfolio Solutions (ASPS), in which he helped grow market capitalization to $5+ billion via ASPS and spinouts of AAMC and RESI. He was Co-Founder of Community Lenders of America, a U.S. Bank/Mortgage Bank Advocacy Group. He is also Co-Founder of VidVerify, a mortgage video compliance company. Barry is also a General Partner at SixThirty (financial services accelerator) and Cultivation Capital (venture capital firm).
Tim Stern / Co-Founder
Tim has over 25 years leadership experience in real estate and real estate finance. He was Co-Founder/President of Lenders One, the largest mortgage banking cooperative in the U.S., in which he grew and sold. Tim was President of Origination Services, SVP and member of Global Leadership Team of Altisource Portfolio Solutions (real estate mortgage portfolio management and related technology products). He is also Co-Founder of VidVerify, a mortgage video compliance company. Tim is also a General Partner at SixThirty (financial services accelerator) and Cultivation Capital (venture capital firm).
Henry Cason / Chief Executive Officer
Henry brings a wealth of leadership and financial services experience to FinLocker, having served in several executive capacities during a successful 27-year tenure at Fannie Mae. Prior to joining FinLocker, Henry was Fannie Mae’s Senior Vice President and Head of Digital Products, and served as Fannie Mae’s Chief Data Officer. While at Fannie Mae, Henry oversaw the design, development, and launch of the company’s digital products and services across the residential mortgage loan life cycle. He was also responsible for fostering the integration of Fannie Mae’s technology and business infrastructure with that of its customers. Earlier in his career at Fannie Mae, Henry helped design, build, and distribute Desktop Underwriter, which is the most widely used automated underwriting platform in the mortgage industry today.
Brian Vieaux / President
Brian has over 25 years bank lending and mortgage experience. He was SVP Third Party Originations, Wholesale & Correspondent Lending at Flagstar Bank. Brian was SVP at Aurora Bank; SVP at Indymac Bank; and National Sales Director at CitiMortgage.
Prabhakar Bhogaraju / Executive Vice-President, Head of Strategy & Product Development
PB has over 20 years of mortgage technology and consulting experience, with ten years in executive leadership positions at Fannie Mae in product development, data management, and digital business architecture. PB also has extensive experience in customer engagement, design thinking, digital business strategy, and product development to FinLocker.
Eric Bloomquist / Chief Product Officer
Eric has over 24 years of mortgage banking experience. He was VP Product Management, Innovation, and Marketing at Equifax. Eric was SVP Global Mortgage Director at Citigroup. He also spent time as a Fannie Mae Product Manager, and Bank of America Banking Center Officer.
Bryan Garcia / CTO
Bryan has over 25 years technology and data leadership experience. He was CTO of Equifax, a global consumer, commercial, and workforce information solutions company. Bryan was SVP Technology of TALX, a workforce solutions company. He was part of the original team that developed and grew the widely used The Work Number product, now part of Equifax. He is also a General Partner and a senior mentor for SixThirty, a financial services accelerator.
Chris Hazen / SVP, Customer Success
Chris has over a decade of mortgage technology experience. He served as General Manager and Sr. Director of Product at Equator, an Altisource business unit providing industry-leading default servicing technology. His expertise is in leading enterprise-level implementations and B2B onboarding, including national banking brands such as Bank of America and Fannie Mae.
Brian O’Reilly / Director
Jason Clark / Advisor
Paul Mullings / Advisor
Phil Bracken / Advisor
Kevin Peranio / Advisor
Ari Karen / Advisor
Become a Partner
At FinLocker one of our key strengths is building strong relationships with our business partners. If you are interested in partnering with us, we welcome you to fill out the form below, and we will get in touch with your organization.
TransUnion is a global information and insights company that makes trust possible between businesses and consumers, by ensuring that each consumer is reliably and safely represented in the marketplace. TransUnion does this by having an accurate and comprehensive picture of each person.
A leading presence in more than 30 countries across five continents, TransUnion provides solutions that help create economic opportunity, great experiences and personal empowerment for hundreds of millions of people.
For more information, visit www.transunion.com/business
Lenders One is an end-to-end marketplace for mortgage bankers to access the products and services that create opportunities to earn more revenue, cut costs and increase operational efficiency. The Lenders One cooperative was established in 2000 as a national alliance of independent mortgage bankers. Today, we’re one of the largest mortgage co-ops in the country with a diverse mix of 220+ member companies. These businesses cover the entire lending spectrum — from banks, credit unions, independent mortgage banks and real estate/builder-affiliated firms — and they originate between $50 million to $25 billion per year.
For more information, visit www.lendersone.com/
Fiserv, Inc. (NASDAQ: FISV) enables clients worldwide to create and deliver financial services experiences that are in step with the way people live and work today. For more than 30 years, Fiserv has been a trusted leader in financial services technology, helping clients achieve best-in-class results by driving quality and innovation in payments, processing services, risk and compliance, customer and channel management, and insights and optimization. Fiserv is a member of the FORTUNE® 500 and has been named among the FORTUNE Magazine World’s Most Admired Companies® for seven consecutive years, ranking first in its category for innovation in 2016 and 2017.
For more information, visit www.fiserv.com
Fiserv / FinLocker Use-Case.10.2020
Microsoft – Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.
For more information, visit https://news.microsoft.com
Ellie Mae is the leading cloud-based platform provider for the mortgage finance industry. Ellie Mae’s technology solutions enable lenders to originate more loans, reduce origination costs, and shorten the time to close, all while ensuring the highest levels of compliance, quality and efficiency.
For more information, visit www.elliemae.com
DataVerify is the premier provider of risk mitigation, data validation, and decision management solutions for the mortgage industry. DataVerify harnesses advanced analytics and technology to create automated and configurable workflow and decision management solutions. Our highly responsive platform empowers lenders to make precise and consistent business decisions through an engine that identifies and measures hidden threats such as data integrity errors and misrepresentations, identity theft, and property and application risk. Engineered to offer optimal flexibility, the DataVerify platform (which incorporates 4506T, SSA, and employment and income verification) allows lenders to manage risks according to their institution’s tolerance level.
For more information, visit www.dataverify.com
Partners Credit & Verification Solutions, the go-to provider of credit-related services for thousands of mortgage brokers, bankers, credit unions and lender. Far more than just providing borrower credit data to the mortgage industry we offer a comprehensive suite of non-credit verification tools including Income, Employment, and Identification verification services.
For more information, visit www.partnerscredit.com
NestReady – Founded in 2012, NestReady is a technology firm that uses integrated software platforms to create an end-to-end digital homebuying experience that positions lenders at the center of the journey. NestReady’s platforms allow financial institutions to provide a complete homebuying experience on their website and empowers each loan officer with their own home search engines. Its technologies use machine learning and AI to deliver insights and transparency related to the customer lifecycle and the lender’s portfolio. Through the use of predictive analytics models, mortgage lenders can use this data to take action in a timely manner.
For more information, visit www.nestready.ai
CoreLogic – CoreLogic (NYSE: CLGX) is a leading global property information, analytics and data-enabled solutions provider. The Company’s combined data from public, contributory and proprietary sources includes over 4.5 billion records spanning more than 50 years, providing detailed coverage of property, mortgages and other encumbrances, consumer credit, tenancy, location, hazard risk and related performance information. The markets CoreLogic serves include real estate and mortgage finance, insurance, capital markets, and the public sector. CoreLogic delivers value to clients through unique data, analytics, workflow technology, advisory and managed solutions. Clients rely on CoreLogic to help identify and manage growth opportunities, improve performance and mitigate risk. Headquartered in Irvine, Calif., CoreLogic operates in North America, Western Europe and Asia Pacific.
For more information, visit investor.corelogic.com
Get Credit Health utilizes its proprietary operational methodologies and software platform to integrate with lenders and facilitate lead recapture. Developed for and by professionals with extensive mortgage industry experience, Get Credit Healthy’s platform is the leader in credit education and rehabilitation, having facilitated millions of dollars in new loan opportunities for lending institutions across the U.S.
For more information, visit getcredithealthy.com/
America’s Homeowner Alliance, the first ever national advocacy and member benefits alliance representing the exclusive interest of homeowners and aspiring homeowners of America. Our mission is simple: To Protect and Promote Sustainable Homeownership for ALL Segments of America.
For more information, visit www.myaha.com/
Join the FinLocker Team
Want to join the FinLocker team? We are creating a revolutionary customer-centric company of talented, enthusiastic people who enjoy coming to work every day. Things move quickly at FinLocker and that means we have to be nimble. We look for people that love big challenges, welcome change and want to be part of an organization that is on the front line of how lenders interact with consumers. We keep sane working hours, while still taking care of business, and believe in being ourselves on and off the job.
Our Core Values
Current Job Openings
Data Scientist APPLY NOW
FinLocker is a leading financial data and analytics company. We focus on analyzing consumer financial data such as assets, income, employment, taxes, credit, liabilities, real estate and more. You will be responsible for designing and implementing the models and analyses for the function of a “virtual financial advisor” for the consumer.
Our office is located in Clayton, MO with remote employees throughout the US. This is a full-time position that will be based in our Clayton (St. Louis) office. Salary is competitive to relevant experience.
Key Qualifications:
- 6+ years’ experience of applying machine learning techniques, optimization, and statistics to drive key decisions
- Extensive hands-on experience with development of predictive models and machine learning/AI-based solutions
- Solid programming skills in Python, R or similar data science language
- Advanced proficiency in data visualization
- Prefer financial services industry experience
- Prefer experience in CRM, financial analysis, financial advisory
- Bachelors or Master’s degree in Computer Science, Math, Data Science, or Statistics
- Be a United States citizen
Principal Software Engineer APPLY NOW
We are looking for an exceptional Principal Software Engineer (SE) with experience in building solutions designed for the Cloud SaaS platforms. Our team leverages fundamental building blocks like Windows Azure and SQL Azure and various Microsoft cloud services to build next-generation financial services products to drive the FinLocker vision and business. Our customers and consumers expect our platform to work flawlessly and be there for them to use whenever they are needed. You must have experience in and enjoy building a platform from inception to a full production system including wearing hats as needed ranging from design and development to production deployment. You need to be passionate about availability, scalability, reliability, security. Ability to provide technical leadership on a high-performance development team building cloud services is critical. Experience working on a financial services platform is highly beneficial.
Senior Software Engineer APPLY NOW
We are looking for an exceptional Senior Software Engineer (SE) with experience in building solutions designed for the Cloud SaaS platforms. Our team leverages fundamental building blocks like Windows Azure and SQL Azure and various Microsoft cloud services to build next-generation financial services products to drive the FinLocker vision and business. Our customers and consumers expect our platform to work flawlessly and be there for them to use whenever they are needed. You need to be passionate about availability, scalability, reliability, security. Ability to provide technical leadership on a high-performance development team building cloud services is critical. Experience working on financial services platform is highly beneficial.
Digital Marketing Intern
It’s an exciting time to be joining FinLocker!
FinLocker is a personal financial well-being app that provides the tools and educational resources to help consumers improve their financial health to achieve their short-term and long-term financial goals. Our clients are some of the leading mortgage companies, businesses, colleges, and dedicated non-profits in the nation.
We’re particularly focused on helping first-time homebuyers save for their down payment, improve their credit, and get mortgage ready. Helping college students prepare to start life financially independent, manage their student loan debt, and begin to save for their financial goals, is another priority and one where you can share your insight.
With so much news to share with our clients and new consumers to introduce and start using the app, we’ve got a lot of content to write and promote. That’s why we are seeking a confident and creative Marketing Intern to join our team for 10-12 weeks this summer through our paid internship program. This program will provide you with the opportunity to contribute to an exciting, fast-paced fintech where you will enhance your knowledge, improve your business and marketing skills, and leave with several portfolio pieces.
About You:
FinLocker app users range from college students wanting to learn how to manage their finances to renters preparing to become first-time homebuyers and homeowners looking to achieve additional financial goals and save for retirement. You’ll learn their motivations and empathize with each target audience so you can write communications that resonate with them.
- Excellent research and writing skills to compose compelling emails, blogs, and social media posts on mortgage, homeownership, student loans, and credit topics.
- Proficient computer skills and web-savvy
- Able to utilize and provide work through own means using Microsoft Word, Excel & Outlook
- Confident monitoring and extracting analytics from Facebook, Instagram, Twitter, and LinkedIn.
- Able to work 40 hours a week on Eastern Standard Time.
- You’ll learn to create emails, email journeys, and workflows in our CRM.
- The Marketing team works remotely, so you’ll need to have high-speed internet access and a dedicated workspace. We will provide a laptop computer for the duration of your internship.
- Able to prioritize work, meet assigned deadlines, and organized to manage your day.
- Applicants should be graduating in 2021 or graduated in 2020 with a Bachelor’s or Master’s degree in Business, Marketing, or Communications.
To Apply: Email your resume with a cover letter explaining why we should consider you for the position and what you would like to achieve during your internship to diana.mulhall@finlocker.com. Also, include two business or marketing writing samples – one around 50 words and the other around 500 words, and the link to your portfolio (if you have one).
