OFFICERS

Keith Kelly, Founder & CEO
Keith Kelly is an entrepreneur who created and patented the Mortgage Annual Revenue Stream (MARS; U.S. Patent # 7292995), the platform that enabled the introduction of the Harmony Loan. A seasoned retail mortgage banking executive, Mr. Kelly has been an advocate for proper homeowner education for nearly two decades, focusing on strategies to avoid paying closing costs. His closing-cost savings platform has been featured in Money, The Washington Post, Time, New York Times, Woman’s World, CNBC and a host of other national publications. He successfully beta tested components of the Mortgage Harmony platform with National City Mortgage from 2002-2005, closing over $1.3 billion in loans. His research and development provides proprietary consumer behavior patterns necessary for the proper structuring of a modifiable mortgage. When combined with the patented MARS system, some of the biggest problems facing the mortgage industry today are solved. He is also host of MyMortgageWatchDog (a mortgage educational talk show) in Washington, D.C. Mr. Kelly has a bachelor’s degree from James Madison University.

Robert Catalanotto, Founder & COO
Mr. Catalanotto oversees the daily operations of the company and is responsible for the implementation of its strategic plan. Mr. Catalanotto has more than 25 years of experience in the financial services industry, mainly in the secondary mortgage market at Fannie Mae. He has significant experience in all aspects of business strategy, data warehousing, business intelligence, new product development, management and mortgage operations. Prior to joining Fannie Mae, Mr. Catalanotto was with GW Fauth and Associates, an economic consulting firm in Washington DC. Currently, Mr. Catalanotto is the Chairman of the Board of Directors at the Fannie Mae Federal Credit Union, having served in various leadership roles there for more then 15 years. Mr. Catalanotto has a bachelor’s degree in accounting from CW Post College in New York and a master’s degree in international management from the University of Maryland.

Shane Chalke, President
Mr. Chalke oversees the commercialization of Mortgage Harmony’s innovative mortgage products and services. Prior to joining the company, he founded and recently sold Finetre Corp., an electronic platform for buying and selling annuities that transformed the delivery of annuity products. An actuary by training, Mr. Chalke founded AnnuityNet in 1997 to reengineer the variable annuity market by automating the sales process and stripping the steep broker commissions from the equation. In 2000, he renamed the company Finetre and evolved the business model to become a business-to-business exchange, which ultimately handled more than $80 billion in annuity transactions for the nation’s largest brokerage firms. Mr. Chalke created his first business in the early 80s at the age of 25. Chalke Incorporated developed risk management software that was quickly adopted by the larger players in the insurance industry. Mr. Chalke holds a degree in mathematics from Worcester Polytechnic Institute and has taught graduate-level finance theory at George Mason University.

ADVISORY BOARD

Craig Chapman, Managing Director-Mortgage Division, 1st Commonwealth Bank of Virginia
Mr. Chapman is responsible for all mortgage related activities for 1st Commonwealth Bank of Virginia - credit policy, investor relations, secondary loan procedures and loan origination services. Mr. Chapman has twenty years experience in the financial services industry, mainly as a wholesale mortgage banking executive. He was an executive vice president for Legacy Bank, First National Bank of Arizona and GreenPoint Financial. Mr. Chapman has extensive experience in capital markets, regulatory compliance, and sales. Mr. Chapman holds a bachelors degree in Government from St. Lawrence University in New York.

Mariano J. Claudio, Jr., Chairman & CEO of The Claudio Group
Mr. Claudio leads an international promotional and financial services enterprise based in the Washington D.C. area with a focus on the Americas-wide Hispanic markets. The Claudio Group is focused on a variety of industries, including telecommunications, mortgage, luxury hospitality, and multimedia. An advocate for the Hispanic community, Mr. Claudio has been involved in an array of charitable projects, including immigration reform and educational opportunities. Additionally, he is the principal of Escape Foreclosure LLC, where he leads a team of consultants educating and helping the Latin American community in the D.C. area on how to save their homes from foreclosure. He was previously an executive vice president for Pinnacle Financial Corporation and leader of its National Emerging Markets Division. Mr. Claudio’s Washington-based international and public affairs endeavors include working closely with the Latin American diplomatic community and the various participants in the financial services industry restructuring community. Mr. Claudio, born in West Germany, was raised in Puerto Rico, and resides in Northern Virginia. He attended the University of Puerto Rico where he was a pre-med student.

Mathew Douthit, Financial Services Consultant
Mr. Douthit has extensive experience in the Capital Markets, including housing finance consulting, mortgage portfolio management, and operational risk management. Recent consulting engagements include an analysis of a large insurance company’s valuation process and market events that resulted in large losses on its credit default swap book, and helping a hedge fund navigate the housing and credit crisis. Prior to becoming a consultant, he led team of traders and analysts at Fannie Mae to maximize mortgage portfolio returns. He championed large, complex systems projects and achieved cross-organizational project acceptance by properly linking business transactions with accounting and control infrastructure; he has effectively defended business processes to oversight and regulatory bodies. Mr. Douthit has a master’s degree in Finance from American University and bachelor’s degree in Economics & Political Science from the University of Delaware.

Mark Hendricks, Principal, Taradin Services Ltd.
Mr. Hendricks is a founder and principal of Taradin Services Ltd., a venture capital, private equity and real estate investment firm. Mr. Hendricks previously served as the Managing Director of Bulgari Hotels & Resorts, a joint venture between Marriott International Inc. and the renowned Italian luxury company, where he was responsible for all aspects of brand and product development. During this time, he was also a member of the Ritz-Carlton Hotel Company, LLC Corporate Steering Committee. Prior to this assignment, Mr. Hendricks held positions in development and finance with Marriott International in Switzerland and at Marriott headquarters in Maryland. In 2007, Mr. Hendricks worked with JWM Family Enterprises, and Thomas Point Ventures, LP, both private investments companies owned by the J.W. Marriott family, as Managing Director of Investments and Business Development. Mr. Hendricks began his career as an international and admiralty lawyer and later became a corporate and private equity lawyer and investor. He has been a co-founder, director and/or early-stage investor in a number of businesses, and a principal in a number of private real estate ventures. Mr. Hendricks holds a bachelor’s degree from the University of Southern California, master’s degree from the London School of Economics, and J.D. from Brigham Young University. He has also studied at the Centro de Estudias Internacionales, Madrid and Regent’s College, London.

Samuel Bernard Little, Senior Vice President, Affinity International Corporation
Dr. Little has extensive experience in planning, fiscal management, preparation of grants, program evaluation, formation of corporate partnerships, and coordination of intergovernmental services. He has a distinguished background in affordable housing initiatives. In his current position, one of his many roles is preparing testimonies for congressional hearings and roundtable discussions with foundations on housing policies and redevelopment principles. Dr. Little was director of resident services for the District of Columbia Housing Authority in Washington, D.C. from 2004 to 2008, associate deputy director of Housing Authority of Baltimore City from 2000 too 2004, executive director of The Empowerment Network Foundation from 1999 to 2000 and director of STEP-UP Program for the Housing Authority of Baltimore City from 1989 to1999. He holds a bachelor’s degree from Morgan State University, a master’s in social work from University of Pennsylvania and a doctorate in philosophy from University of Maryland, Baltimore.

Leonard Mills, President, PI Analytics
Leonard Mills, Ph.D. CFA, has 25 years of experience in providing fixed income analytics, quantitative investment research, pricing and portfolio strategies, and economic research. His career includes 15 years in research, analytics and portfolio strategy for Fannie Mae’s investment management business. He is currently president of PI Analytics, an independent consulting firm. He is an expert in modeling residential and commercial mortgages, real estate equity investments, structured finance products, derivatives pricing, portfolio risk measurement and strategies, capital allocation, investment accounting standards, and analytic application development. Dr. Mills has taught economics and finance at Tulane University, the University of Pennsylvania (Wharton), the University of Maryland (Smith), and the Johns Hopkins University (Carey). He holds a bachelor’s degree in mathematics from Hamden-Sydney and a doctorate in economics from Tulane University.

Rosemary Ostmann, President & CEO, Rose Communications
Ms. Ostmann is responsible for the operations of public relations firm Rose Communications as well as the strategic direction of the programs the team manages for its clients in the health care, publishing, design and construction, and financial services industries. She started in the marketing communications business 15 years ago as a copywriter. Before launching Rose Communications in 2003, she led the consumer practice at Euro RSCG in New York. In this position, she created and directed communications strategies for some of the most recognized brands in business, including Procter & Gamble, Consumer Reports, Tommy Hilfiger, United Airlines and Sony, as well as a number of start-up firms. Her financial services experience includes work on behalf of Scottrade, TD Bank, Mercantile Bankshares (now PNC) and Annuity Net/Finetre, among others. Rosemary spent the first seven years of her career in Baltimore doing public relations inside two different advertising agencies and working with consumer, business-to-business and non-profit clients. Rosemary graduated magna cum laude from the University of Maryland’s College of Journalism with a minor in Spanish.

Richard Spires, CIO, U.S. Department of Homeland Security (DHS)
On July 29, 2009, Secretary Janet Napolitano announced the appointment of Richard Spires—who brings decades of experience managing complex information technology systems—as Chief Information Officer (CIO) of the Department of Homeland Security. As Chief Information Officer, Mr. Spires will be responsible for managing and directing information management support processes—combining the functions of information technology and telecommunications to provide coordinated support strategies for meeting DHS-mission related information needs. Mr. Spires specializes in senior-level operations and information technology issues for large-scale corporations and United States federal government entities. In 2007 and 2008, Mr. Spires served as the deputy commissioner for operations support for the Internal Revenue Service (IRS). In this capacity, he had overall responsibility for a $3 billion budget and a 12,000-employee organization that provides key support and administrative functions for the IRS. Prior to this post, Mr. Spires served as the IRS’ chief information officer (CIO), where he had oversight of the organization accountable for administering more than 200 million United States taxpayer records. He also previously served as the associate CIO for applications development. Before joining the IRS, Mr. Spires served as president, chief operating officer, and director of Mantas, Inc., a leading software vendor that provides business intelligence solutions to the financial services industry. There he led efforts to raise $29 million in venture funding. Prior to Mantas, Mr. Spires spent more than 16 years serving in a number of technical and managerial positions at SRA International. Mr. Spires received a bachelor’s degree in electrical engineering and a bachelor’s degree in mathematical sciences from the University of Cincinnati. He also holds a master’s degree in electrical engineering from the George Washington University. Mr. Spires was named a Distinguished Alumnus of the University of Cincinnati’s College of Engineering in 2006. He was also named to the FED 100 list for 2006, recognizing him as one of the 100 people who had the most influence in Federal Government information technology for that year.

Deborah Whiteside, Senior Vice President, Mortgage Solutions for ABA Business Solutions
Deborah is Senior Vice President, Mortgage Solutions for ABA Business Solutions. In that role, she is responsible for developing successful partnerships between the community banking industry and the mortgage finance industry. Since inception, the partnerships have produced over $150 billion in business.
She is also President & COO of Community Bank Mortgage LLC an ABA subsidiary organization co-owned with bankers. The LLC launched in September 2007 to serve as a cooperative-like structure for community banks that are active in the secondary markets.
Prior to joining ABA Business Solutions, Deborah was a managing director at Pedestal Inc. a B2B Internet mortgage-trading firm. Prior to that, she spent 14 years at Fannie Mae in various management positions including Director of Single Family Product Development and Director of Transactions Management.
Deborah attended Georgetown University and received degrees in English Literature and Economics. She also holds an MBA in Finance from The George Washington University.