Patty is responsible for management and oversight of the compliance, quality control and Fair Lending programs at Highlands Residential Mortgage. Patty has over 21 years of experience in the financial services and mortgage industries. She has been an active DE underwriter, and VA SAR, for 18 years and has an extensive background in mortgage operations including retail, wholesale and correspondent channels. She is currently working toward obtaining her Certified Regulatory Compliance Manager certification. Prior to joining Highlands in April of 2015, Patty was the Chief Compliance Officer and QC Manager with NTFN where she developed and implemented the Compliance Management System, and quality control functions. Patty will continue to build upon the current compliance and quality control systems in place at Highlands and ensure that they meet industry standards and regulatory requirements. She is also responsible for identifying compliance risks and providing training, advice, testing, and continual monitoring. Patty also represents the company in communication and interaction with all regulatory and state agencies.