Escrow Title Real Estate Expert Witness

Is prepared to opine and give expert witness testimony in the following topics


Escrow Industry, Escrow, Title Insurance, Escrow Transactions, Escrow Transaction, Escrow Standards, Escrow Form, Escrow Forms, Escrow Practices, Escrow Practice, Escrow Policy, Escrow Policies, Balancing of Escrow Transactions, Escrow Audit, Escrow Claims, Escrow Claim, Notary, Notaries, Real Estate, Real Estate Tracts, Real Estate Exchanges, Real Estate Refinances, Real Estate Short Sales, Construction Loans, Equity Lines of Credit, California Notary Public, Predatory Lender Activity, Escrow Operations, Escrow Operation, Lender Instructions, Escrow Instructions estimated statement general provisions, Title Instructions, Closing statemement, HUD and TRID, Disbursement Records, Fee Schedules Tickets, Payoff Instructions, Third Party Instructions, Cancellation Instructions, Rate Filing, Drawing Documents,
California

Expert Witness No.264

 

CSEO, CEI
Forensic Escrow Services

Over 40 years experience in the title insurance and escrow industry.  Range of specialties focus on analysis of escrow files for application of industry standards, practices and balancing of escrow transactions.

Professional Experience

  • Advisory to Escrow Holders and Compliance Officers concerning issues arising from escrow transactions 
  • Auditing escrow files for processing and clearing of escrow claims 
  • Created programs and implemented company requirements for employee and non-employee notaries 
  • Investigated and reported employee embezzlement to law enforcement agencies 
  • Deposed as person most knowledgeable on escrow matters 
  • Managed the California Escheat and Post Closing Departments 
  • Created company program for statewide auditing of escrow files 
  • Worked with the title underwriter seeking approval on extra risk transactions 
  • Implemented and delivered to title and escrow personnel, escrow operations managers, company policies and practices 
  • Responded to California Department of Insurance inquiries concerning consumer complaints 
  • Filed escrow rates with the California Department of Insurance 
  • Edited and/or drafted company documents including general provisions 
  • Conducted real estate related transactions from beginning to close.  Types of transactions included tracts, exchanges, refinances, short sales, construction loans, equity lines of credit and sales. 

Professional Certifications and Affiliations 

  • California Escrow Association Certified  Senior Escrow Officer, since 1990 

  • California Escrow Association Certified Escrow Instructor, since 2000 

  • President of the Escrow Association of Santa Clara Valley, 2000, 2009 and 2010  

  • Director to the California Escrow Association, 1999, 2000, 2005, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016 and 2017

  • California Escrow Association Education Portfolio Chairperson 2012

  • California Escrow Association Forms and Practices committee secretary 2009

  • California Escrow Association News Editor and Chairperson 2010, 2013, 2015,   2016 and 2017

  • Committee Chair of the Year Award 2010  

  • Member of the American Escrow Association, since 1990 

  • Member of the California Escrow Association, since 1990 

  • California Land Title Association Claims Awareness Committee, 2000 - 2005 

  • Vice President of the SF Chapter of Forensic Expert Witness Association, 2011

  • California Escrow Association Practices Committee Secretary 2017

  • California Land Title Association Settlement Service Committee 2017

Career History

2016-Present
North American Title Company for California and Nevada
Trainer

2012 - 2013
North American Title Company, Santa Clara and Alameda, CA
Escrow Advisory

2012 
First American, San Jose, CA
Escrow Auditor for Hawaii and California
2005 to 2008
Alliance Title Company, Santa Clara, CA
Director of Escrow Operations for California and Nevada
2002 - 2005
Ticor Title Company (formerly American Title), Santa Clara  and San Mateo County, CA
County Manager of San Mateo County, Escrow Operations Manager for Santa Clara and San Mateo
2000 - 2002
New Century Title Company (formerly BridgeSpan Title Company and EZ Close Title Company), Santa Clara County, CA
National Advisory and Claims Officer
1999 - 2000
American Title Company, Santa Clara County, CA
Escrow Operations Manager

1988 - 1999
Mercury Company (formerly United Title Company and Santa Clara Land Title Company), Santa Clara County, CA
Legal and Underwriting Department, Escrow Advisory Officer 1995 to 1999
Branch Manager and Escrow Officer 1988 to 1995

1985 - 1988
First American Title Company, Alameda County, CA
Branch Manager and Escrow Officer
1977 - 1985 
Valley Title Company,  Santa Clara County, CA
Branch Manager and Escrow Officer
1974 - 1977
First American Title Company, Santa Clara County, CA
Policy Processor and Escrow Assistant

A Selection of Seminars and Workshops Recently Attended


Northern California Escrow Association Conference, San Ramon, July 2017
A Thing of Value, Tax Update, DOI regulations, TODD, Broke Priority, IRS Tax 
Reporting Requirements, Avoiding Getting E-Zapped,  FTB Requirements, and     
Legislative Update

California Community Colleges Real Estate Educator’s Conference, Livermore,2017

Northern California Escrow Association Conference, San Ramon, July 2016
Legislative update, TODD’s, New Escrow Laws and lawsuits , Notary Laws, 
1031 Exchange, Escaped Property tax laws, Cal-firpta update 

American Escrow Association, Tempe, AZ, May 2016
Reading the Lender Instructions, Cybersecurity, Regulatory Enforcement,
eClosings, AEA meets with the CFPB Update 

California Community Colleges Real Estate Educator’s Conference, San Mateo, 2016

Northern California Escrow Association Conference, San Ramon, July 2015
NPI Bet Practices, Closing Disclosure, Tax Update, Forgeries, Faxes and Felt 
Tips, CFPB requirements, Foreign Sellers & Buyers, TILA RESPA Integrated Disclosure, Legislative Update

California Escrow Association Conference, Costa Mesa, October 2014
General provisions, CAR Contract Changes,  mortgage Signings, CFPB 
Update, Notes and Deeds of Trust, Legal Update, Lender Liability, Legislative Update    

Northern California Escrow Association Conference, San Ramon, July 2014
CFPB Update, FTB Withholding, Escrow Claims, Legislative Update, Value of Title Insurance 

Northern California Escrow Association Conference, San Ramon, July 2013
Cyber Fraud, State of the Economy, legislative update, escrow practices, What’s New in exchanges, Notes and Deeds of Trust, CEA Update, Practical Escrow 

American Escrow Association Conference, Las Vegas, June 2013
TILA & RESPA at CFPB, Underwriting Guidelines, Vetting, Claim, Federal Regulations

California Escrow Association Conference, Costa Mesa, October 2012
Mortgage Fraud, Escrow Trends, FHA Update, Tax Laws, CFPB, Notes, Deeds of Trust, AITD, Land Contracts, Escrow Litigation Cases, Escrow Vetting, and 
Legislative Update

Northern California Escrow Association Conference, San Ramon, July 2012
Secrets kept by Real Estate Agents, Real Estate Scandals, Vesting Rights, 
Exchanges, Title and Escrow Claims, Tax Issues, and legislative Update

California Escrow Association Conference, Costa Mesa, October, 2011 
Lender v. Escrow Holder, Case Law Affecting Your Desk, Foreclosure and REO Transactions, HOA Issues, There is No Right Way, Short Sales, Fraud and Forgery, 
Legislative Update 

Forensic Expert Witness Association, San Francisco, September 2011 
Experts & Video Depositions Workshop

Northern California Escrow Association Conference, San Ramon, July 2011 
Escrow Liability, Escaping Common and Uncommon Escrow Hazards, Demystifying 
Lender Instructions, Tax Potpourri, Legislative Update 

California Escrow Association Conference, Ontario, October, 2010
Do It Right the First Time, Escrow Agents and Mortgage and Real Estate Fraud,and Legislative Update

Northern California Escrow Association Conference, San Ramon, July 2010
Legislative update, Real Estate Economy, Debt Relief Tax issues, Mock Trial, Flipping, CEA  Activities, HUD, TILA and Escrow regulations

American Escrow Association Conference, Seattle Washington, June 2010
Legislative Update, Industry updates, Escrow Claims, Ethics, Notary cases,HUD Reform Update, Mock Trial of a closer

Forensic Expert Witness Association Conference, La Jolla, February 2010
Case Biopsies, Specialty Panels and Expert Deposition Skills Workshop

California Land Title Association, webinar, December 2009
How the New RESPA Rules & forms Affect California

California Escrow Association Conference, Long Beach, October 2009
Notary Fraud, Mortgage Fraud, New Laws, Short Sales and Foreclosures

Northern California Escrow Association Conference, San Ramon, June, 2009
Legislative Update, Real Estate Fraud, Embezzlement, Land Conservation Easements,TIL/HUD Revision, Land Contracts and Installment Sales

Forensic Expert Witness Association Conference, La Jolla, February 2009
The Art of Oral Presentations, a View from the Federal Bench, Use of Experts in High-Profile Civil Cases, The Jury, A View of Experts from the Criminal Courts

Northern California Escrow Association Conference, San Ramon, July 2008
Legislative Update, Reverse Mortgages, Mortgage Fraud, Escrow Claims, Property in
Default, Short Sales, California Franchise Tax Board and Other Taxes 
                                                                                                                         
SEEK & Forensic Expert Witness Association Workshop, Newport Beach, March 2008
Report Writing and Deposition Mistakes, Communication with the Jury, Expert Witness
At Trial, Traps and Pitfalls for the Expert Witness, Dealing with Difficult Attorneys, A View from the Bench    

Northern California Escrow Association Conference, San Ramon, July 2007
Employee Fraud, Lender Instructions, Legislative Update

California Land Title Association Seminar, December 2006
New Laws/New Cases

California Escrow Association Conference, Los Angeles, October 2006
Avoiding the Courtroom, California Crime Fight, Reverse Mortgages, Employee Fraud

Northern California Escrow Association Conference, San Ramon, July 2006
Lender Instructions of the Future, Escrow Matters, Legislative Update, Foreclosures and Bankruptcy   

Educational and Editorial Services

PD Workbook/Study Guide,
for the California Escrow Association Professional Designation testing, 2017

Escrow 1, An Introduction (5th Edition)
for the Educational Textbook Company, 2016 

California Real Estate Escrow Instructor Study Guide,
for the Real Estate Education Center California Community Colleges, 2016

California Community Colleges Introduction to Real Estate Escrow & Title Chapter 1, power point presentation,
for the Real Estate Education Center California Community Colleges, 2016

Escrow Book I,
for the California Escrow Association, 2012

Escrow Book II,
for the California Escrow Association, 2012 and 2017


Presentations and Publications available upon request


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