In our Hot Topic this week, we have Christy Moss, Chief Customer Officer, FormFree, and Christina Zulueta Randolph, Sr. Director, Single-Family Strategy & Integrations, Freddie Mac, to discuss Freddie Mac's announcement that lenders can now reverify employment with direct deposit data, as well as what FormFree is doing to help lenders take advantage of AIM for income using direct deposits.

Want to know more about Christy Moss?

Christy Moss, CMB, is the chief customer officer (CCO) at FormFree. As head of the company’s customer strategy, the 30-year mortgage industry veteran leads voice-of-customer initiatives across the organization and oversees sales.

Before joining FormFree, Moss spent 11 years at Fannie Mae (OTCMKTS: FNMA), where she played a critical role in advancing business initiatives in the post-crisis mortgage lending ecosystem. From 2015 to 2019, Moss focused on the driving lender and partner adoption of technologies that improve the borrower experience and lender profitability in her strategic business and relationship manager role.

Moss has held advanced positions in the correspondent lending divisions of CitiMortgage (NYSE: C), Wachovia (NYSE: WB), and GE Capital Mortgage Services (NYSE: GE), where she gained an in-depth understanding of the primary and secondary mortgage markets. She has received numerous accolades for her contributions to housing finance and holds a bachelor’s degree in public relations from Georgia State University.

Direct Deposit Verification Solutions for Mortgage Companies & Lenders

Want to know more about Christina Zulueta Randolph?

Christina Randolph is a senior director of technology partnerships in Freddie Mac’s Single-Family Strategic Delivery, Data, Operations, and Technology division. She oversees software partner strategy across the origination technology continuum and is responsible for distributing and optimizing Freddie Mac tools and capabilities within the software partner ecosystem.

Ms. Randolph has been with Freddie Mac for four years, focusing on increasing the adoption and utilization of digital offerings to lower origination costs, maximize operational efficiencies and improve the overall lending experience for clients and consumers. Her team also plays a critical role in surveilling the fintech landscape for partnership opportunities that will help lower risk and further digitize and automate once manual processes.

With almost 25 years of experience in the mortgage and technology industries, she has held various roles in sales, operations, implementations, and product management at companies like Fannie Mae, FIS Global, PHH Mortgage, and Chase Home Loans. Her career has become dedicated to transforming the mortgage experience by bridging the gap between business processes and technology challenges.

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