Michael B. Galligan

President

Manager of Compliance & Quality Control CMCP, CUCE
CAP COM Federal Credit Union

Throughout his two decades in real estate lending, Michael Galligan has blended business skills, regulatory knowledge, and consumer satisfaction. He serves as Manager of Compliance and Quality Control at CAP COM Federal Credit Union and is a Mortgage Bankers Association-certified Mortgage Compliance professional. Galligan’s areas of expertise include laws and regulations impacting financial institutions and mortgage entities. Prior to joining CAP COM in 2013, Galligan served in a number of lending and banking roles he worked as Loan Operations Manager, Assistant Vice President for Legacy Banks in Pittsfield, Massachusetts (now part of the Berkshire Bank family).

His current role at CAP COM evolved from service he performed at Homeowners Advantage, CAP COM’s mortgage subsidiary. As Mortgage Audit Specialist, Galligan created procedures and training courses for audit and quality control delivery processes. As Manager of Compliance and Quality Control, Galligan focuses on adherence with Federal and New York State laws and regulations which impact the operations of the credit union. He creates and manages programs that address regulatory risk for CAP COM’s $2 billion dollar business, including Homeowners Advantage and Old Heritage Realty Services subsidiaries. Michael’s B.A. in Psychology is from Siena College. He holds certifications in Mortgage Compliance and Quality Control from AllRegs Academy, a real estate lending trade school. He also holds a Certified Credit Union Compliance Expert (CUCE) designation from the Credit Union National Association (CUNA). Other professional accreditations include Meyers Briggs Management Training, HVHC Management Development Training, and the OZ Principle Accountability Training. Michael is a member of the New York Mortgage Bankers Association Board and lives in Niskayuna, NY. Michael enjoys working internally with various departments at CAP COM. He graduated from the CAP COM Emerging Leaders Class of 2019 and also served on the CAP COM Employee engagement and encouragement committee, GUSTO.

Patrick O'Brien

Director, Buffalo-Niagara MBA

Lender Logix

Patrick worked as a residential mortgage banker for a large regional financial institution for 15 years. Having been a successful retail loan originator, he understands the importance of the lender/realtor relationship and helped create LenderLogix from a banker’s perspective. Patrick has a passion for process improvement and led initiatives to bring efficiencies to the mortgage process. He’s advised on several major LOS implementations and consulted throughout design, testing and implementation. Patrick is a graduate of the University at Buffalo and lives in Buffalo, NY.

Steven A. Milner

Immediate Past President

Founder & CEO, US Mortgage

Steven A. Milner has nearly 4 decades of experience in the Mortgage Banking industry having started his career as a Loan Officer in 1981 in New York on Long Island. Currently, Mr. Milner is the Founder and CEO of US Mortgage Corporation, an Independent Mortgage Banker licensed in 47 States and Washington, D.C. which he founded in 1994.

In 1994, Mr. Milner made the decision to start his own Independent Mortgage Banking Company and founded US Mortgage Corporation on February 1, 1994. Mr. Milner as CEO oversees the day to day operations of US Mortgage Corporation. The company, headquartered in Melville, NY has over 260 employees and in 2017 will originate over $1billion, 82% of which is Purchase Money. Moreover, Mr. Milner is a Licensed Mortgage Loan Originator in 50 States and Washington, D.C. The company has proven its lasting power through volatile market cycles by following its Core Value “Seek Longevity” and making strong critical decisions, including not funding Sub-Prime loans as a Mortgage Banker before and after the Financial Crisis of 2007. In his career he has originated over $4 billion and continues to  personally originate in excess of $4mlllion per month. 

US Mortgage Corporation is currently a Fannie Mae Seller Servicer with over 25 Branches. His employees all believe in the value of helping people attain the dream of Home Ownership. As such, Mr. Milner has consistently focused on making education the key cornerstone to helping home buyers attain their dream of homeownership.

Greg Rodgers

Director

Fulton Savings Bank

Greg has 30 years experience in Multi-Unit restaurant management with International restaurant companies as well as over 15 years as a Mortgage Originator. He is the current President of the Central New York Mortgage Bankers Association. He also is on several industry related committees.

Jeff Barringer

Of Counsel

McGlinchey

Jeff Barringer is a member in the Albany office of McGlinchey and concentrates his practice on consumer financial services regulatory compliance. Jeff advises financial institutions, mortgage lenders, mortgage servicers, sales finance companies, and other providers of consumer financial services on compliance with state and federal law. He has particularly notable experience in mortgage lending, mortgage servicing, and manufactured housing finance. He also counsels clients regarding automobile finance, sales finance, secured and unsecured lending, commercial lending, real estate brokerage, and money services businesses.

Jodi Gaines

Treasurer

Chief Client Officer, Insight One Financial

Jodi Gaines is the Chief Client Relations Officer and EVP of Business Development and Government Relations of Insight One Solutions.  Insight One Solutions is a family of companies that consists of Sortis Financial, MSI, IProperty Claims and Williams & Williams Auction.  Prior to joining Insight One, Jodi co-founded and started Claims Recovery Financial Services, LLC “CRFS” at her kitchen table.  CRFS specializes in Government, GSE and PMI Claims and Loss Analysis.  Prior to CRFS, Jodi spent 14 years at North American Mortgage, Dime Savings and Anchor Mortgage.  Jodi is on the Board and Executive Board of New York MBA and serves as the NYMBA Loan Servicing Chair.  Jodi is the co-chair the MBA Claims working group and participates on the MBA LAC and Property Preservation Committees.  Jodi is the Co-chair Five Star’s American Mortgage Diversity Council “AMDC”.  Jodi is on the Board of United Way of Orleans County and serves as the Allocations Chair.