About the FinLocker Personal Financial Management Tool

FinLocker empowers consumers to start and achieve their homeownership dreams, and continue to achieve future financial goals. FinLocker is a secure personal financial management tool that aggregates a consumer’s financial data, and analyzes, recommends and streamlines mortgage and other financial transactions. Consumers benefit from personalized recommendations, homeownership and mortgage education, credit score, credit report and monitoring, cash flow analysis, budgeting, goal planning, data sharing, and more. Lenders utilize FinLocker to generate and nurture leads, cross-sell value added products, reduce costs, and create customers for life.
 
FinLocker Mission: Enable people to achieve the dream of homeownership and financial well-being.
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 FinLocker CEO

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.

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.

Bob Hoffman / VP Customer Success

Bob has over 25 years of technology delivery, platform integration, and customer engagement focused in financial services. He was a VP of systems development at MasterCard leading initiatives ranging from large scale platform build outs to pointed mobile solutions in key markets. Bob was an Engagement Director at Pivotal, transforming strategic customers to Cloud and Big Data technologies. Bob also led application delivery and technology integrations at Accenture.

Brian O’Reilly / Director

Brian has over 30 years mortgage and legal experience. He is Managing Director and Co-Founder of The Collingwood Group, a Situs company financial services advisory firm. Brian was Director of Automated Underwriting and Risk Management Solutions at Fannie Mae, where he managed several customer-facing technologies and the development and launch of Fannie Mae’s anti-fraud solution. Brian was EVP and General Counsel of Mortgage Capital Investors. He also practiced law with several international law firms.

Jason Clark / Advisor

Jason has over 20 years cyber security expertise. He is a 4-time former Chief Information Security Officer (Emerson, Everbank, Websense, New York Times). Jason is Founder/Chairman of Security Advisor Alliance (group of top security leaders from Global 1000). He is former Chief Strategy Officer for Optiv (largest US cyber security consulting firm).

Paul Mullings / Advisor

Paul has over 40 years mortgage banking experience. He is Managing Director at The Collingwood Group, a Situs company financial services advisory firm. Paul was SVP of Single Family Business at Freddie Mac. He was also SVP, Manager Mortgage Finance at JP Morgan Chase; President & CEO of Mortgage Electronic Registration Systems (MERS); President & CEO of Residential Mortgage Division of First Interstate Bank in California; and EVP and Treasurer of Glendale Federal Bank in California.
 

Phil Bracken / Advisor

Phil has over 40 years mortgage banking and government relations experience. He is Managing Director at VantageScore Solutions. He is Chairman and Founder of America’s Homeowner Alliance. For past 11 years, Phil has been Co-Chairman of the Consumer / Lender Roundtable in Washington D.C. He held senior executive positions at Radian Guaranty, Wells Fargo, and Prudential Home Mortgage. Phil has received lifetime achievement awards from NAREB, MBA, NAHREP, and AREAA.
 

Kevin Peranio / Advisor

Kevin has over 20 years in mortgage banking. He is the Chief Lending Officer responsible for all loan production at PRMG, a leading mortgage bank. Kevin was COO at North Star Lending and was Regional Manager at First Magnus Financial.

Ari Karen / Advisor

Ari has over 20 years mortgage compliance and legal experience. He is Founder and Director of C3 Compliance Consultants, an Offit Kurman’s subsidiary mortgage compliance consulting business. Ari is a Principal at Offit Kurman, a law firm. He is a sought after national speaker and published writer to mortgage lenders nationwide. He writes a weekly blog for the National Mortgage News, a leading online publication for the mortgage industry
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 http://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. At Lenders One, we empower members to expand their market knowledge through continuing education and structured networking opportunities.
Lenders One celebrated its 15-year anniversary in 2015. The cooperative represents 18% of the 2014 originations market based on the Mortgage Bankers Association (MBA) Mortgage Finance Forecast.

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 four 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 https://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 https://investor.corelogic.com

Get Credit Healthy Logo

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 https://getcredithealthy.com/

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American Homeowners Alliance

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 https://www.myaha.com/

Be a Part of 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
We believe to be successful, our customers must also be successful. We design processes, policies, and products from the customer’s point of view and measure what’s important to them. We earn customer trust and loyalty by consistently providing the highest quality and value. Although we pay attention to competitors, we obsess over our customers.

We strive for excellence in all that we do and believe each individual’s contribution is critical. We accept personal accountability to consistently achieve our revenue and profit goals. We act like owners, treat the company’s assets as our own and make decisions with the company’s long-term success in mind. We always act on behalf of the customer and the entire organization. We never say “that’s not my job.” We think “big” with a bias for action, passion, determination, perseverance, and the sense of urgency.
We embrace ambiguity and expect innovation and invention from everyone. We are always striving to simplify – sounds simple, but it is hard work and requires discipline. We urge team members to keep us nimble by minimizing complexity and maximizing simplicity. We insist on the delivery of high-quality products, services, processes, and expect continuous improvement at every level of the organization.

We establish bold visions and invest in our people. We look for people that exhibit passion to be the best, have a variety of strengths, as well as the experience and background that will set them up for success in their role. We raise the performance bar with new hires and recognize exceptional talent. We develop leaders and our leaders take their role seriously in coaching others. We believe when things go well, leaders share the credit; when things go poorly, leaders shoulder the responsibility.
We value and care about each other, operate with a generosity of spirit, and have fun in the process of working together. We inspire, challenge, and support each other to be the best. We invite respectful challenges to decisions when team members disagree. We believe respectful communication and collaboration opens opportunities to create more value, while consensus narrows them to a compromise. Once a decision is made, we commit totally and execute.
Trust and respect for the individual is at the core of everything we do. We believe in the merits of diversity and embrace team members’ visible and invisible differences. We value the richness and variety of ideas and approaches that result from these differences.

Current Job Openings
TECHNOLOGY
Solution Delivery Manager, Customer Success APPLY NOW

FinLocker is looking for a strong Customer Solution Delivery Manager to deliver Customer Success outcomes through the delivery of timely implementations of FinLocker solutions for our Customers and Partners.  The position is based in our Clayton (St. Louis) office.

The ideal candidate is a servant leader who puts Customers first and has a passion for their success, has good communication skills, is detail oriented, and has a can-do mindset to deliver Customer Success solutions.

Successful team members in this role:

· Enjoy being a trusted advocate and working with Customers to deliver Customer success and better than expected business outcomes

· Create and deliver timely joint Customer and FinLocker project solution outcomes including establishing upfront goals, planning and on-time delivery

· Effectively communicate with all levels of Customers and FinLocker leadership including executives, business champions, Customer users, and Technology team members.

· Proactively identify potential obstacles and roadblocks and develop mitigation plans to reduce risk and ensure Customer satisfaction

· Define and utilize standard practices and process improvements to streamline and scale the implementation of FinLocker solutions

· Grow team members and demonstrate exceptional teamwork and partnering

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.

Software Engineer APPLY NOW

We are looking for an exceptional Software Engineer with experience in building applications designed for the Cloud SaaS platforms. Our team leverages fundamental building blocks like Windows Azure, SQL Azure, and various other 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. You need to be passionate about availability, scalability, reliability, security. If you have experience in developing responsive web applications, database services/applications, an extremely good grasp of software engineering principles, and strong problem-solving skills then come join us. Experience building high performance and scalable systems and troubleshooting skills are highly desirable.

Software Engineering Manager APPLY NOW

Position

FinLocker is looking for a Software Development Manager who will lead a team of developers to deliver the flagship consumer financial management locker product. Reporting to the VP of Software Engineering, the exceptional candidate possesses strong technical expertise acquired from recent hands-on experience, software architecture, coaching & mentoring skills, and can-do attitude. The highly visible position is ideal for ambitious individuals with passion for building a high-performing organization.

Duties and Responsibilities

· Experience in leading and building Agile software development processes and teams

· Provide coaching, mentoring, and supporting developers to get their tasks done. Provide guidance for their career growth and personal development.

· Experience in building offshore development processes and managing offshore development teams including integration with on shore teams.

· Contribute to process improvement, institution, and adoption of engineering best practices.

· Oversee the design and implementation to support the overall architecture of the product.

· Plan releases in coordination with the product team and schedule development activities. Provide estimates and initial assessment for proposed development tasks. Track and report progress of projects against key milestones. Balance resources with task assignments. Ensure on-time and high-quality delivery of the project.

· Facilitate formal design reviews

· Participate code reviews and ensure compliance with standards for development.

· Leverage expertise in Software development, frameworks, database schema, UI/UX and contribute to coding, debugging, testing, and troubleshooting throughout the application development process as needed.

· Perform root cause analysis, resolve/mitigate production issues, and identify permanent resolutions to production issues.

· Work with leadership, product manager, UX design, and other business stakeholders to help define features and projects.

· Support strategic planning for organizational growth with the Leadership team.

· Will require working outside of normal business hours.

Education and Experience

· Minimum of 10 years’ experience in software development in the Microsoft technology stack, out of which 3 years managing a S/W development team

· Degree in computer science or comparable degree is highly preferred

· Understanding of software architectural principles is a must. Specifically, frameworks applied to deliver highly secure and scalable platform in a cloud environment is highly valued

· Experience with secure coding best practices and tools

· Require strong understanding of coding for high performance, large volume data sets, security & encryptions methods

· Demonstrated proficiency acquired from recent real-world experience in .NET, C#, Angular, Team Foundation Server (Azure Devops), Microsoft SQL Server, Visual Studio, REST

· Experience acquired in building technology product in Azure/AWS cloud is highly desirable

· Experience in developing native mobile apps is an added plus

· Demonstrated success working within an Agile development environment. Experience with Agile Scrum is a positive

· Experience in automated CI\CD pipeline solutions

· Experience in FinTech, Mortgage, Loan Processing highly desired

 
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