Certified Forensic Loan Auditors, LLC

 

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Michael Carrigan's Expert Witness Profile

Michael Carrigan is the Vice President of Auditing for Certified Forensic Loan Auditors, LLC. He conducts live training Mortgage Securitization Auditor certification classes generally each month at locations in New York, California and Nevada with upcoming training events that include Georgia and Arizona. He also teaches periodic webinars.

He has personally prepared audits and reviews on approximately 3,000 mortgage loans that includes full scale audits, securitization memorandums, screen shots and lookups for other auditors and/or clients, commercial property audits, credit default swap analyses, private label reports and robo-signer reviews. He has appeared in court as an expert witness and client mentor; and works in a supervisory capacity in managing, training and reviewing the work of other auditors.

In his real estate investments and foreclosure defense, he analyzed the deficiencies in the underwriting process and the fractionalization of mortgages. He had also become aware of holder in due course legal arguments in conveyance of promissory notes. In response, he began looking up loans in county records and corporate bank trust records prior to undergoing training on the Bloomberg system.

He has tested Nevada state law through the purchase of investment property homeowner association foreclosure deeds with the intent of loan removal or principal reduction; has served documents on bank.


EDUCATION/PROFESSIONAL CERTIFICATIONS

  • M.B.A. Executive Program
    • B.A. Accounting
  • Chartered Financial Analyst
    • Mortgage Securitization Auditor
    • Bloomberg Essentials Training
  • UCLA Anderson Graduate School of Management
    • 1996-1998
  • California State University at Fullerton Honors
    • 1976-1980
  • Graduate level investment management certification
  • Fixed Income and Equity Essentials


CAREER EXPERIENCE

CERTIFIED FORENSIC LOAN AUDITORS, Los Angeles, CA June 2012 – Aug. 2015

Vice President Auditing: Chief auditor; instructor; production manager; expert witness

  • Vice President of Auditing providing securitization audits (Bloomberg, non-Bloomberg, GSE) and loan lookups for the leading securitization and forensic auditing firm.
  • Managing a team of more than 25 Auditors
  • Lead Trainer having trained and certified more than 300 Executive Professionals through the industry acclaimed Mortgage Securitization Auditor Training Class (24 hours)
  • Participated in State bar Approved instruction on Banking Issues in the States of California, Nevada, Illinois, New York, Georgia, and Florida.
  • Personally completed approximately 2,500 audits of Commercial & Residential properties.
  • Lead Instructional Webinars and Pod Casts for National Audience of more than 5,000 people
  • Provide Training and Instructional Editorials that have been published in the CFLA Newsletter
    (35,000 distribution) Scottsmans Guide, and Niche Report.
  • Lead Auditor Training Classes in Georgia, Florida, Nevada, New York and California


PROFESSIONAL LICENSES / CERTIFICATIONS

  • Certified Forensic Loan Auditors “CFLA”
  • Chartered Financial Analyst “CFA”
  • Mortgage Securitization Auditor “MSA”
  • FINRA Series 7
  • FINRA Series 63
  • CFA Institute of Los Angeles, Inc.
  • Association for Finance Professionals
  • Nissan Toastmasters


EXPERT WITNESS APPEARANCES (Last 90 days)

1. Jose and Flor Barrionuevo vs. Chase Bank, NA. US District Court for Northern District of California, San Francisco Division. Case number 3:12-CV-0572 EMC. Deposition taken 5/21/13 by John C. Hedger, Attorney at Law. 560 Mission St. 25th Floor, San Francisco, CA 94105. 415-675-3400. hedgerj@bryancave.com for Chase Bank. Plaintiffs represented by Michael Yesk. Yesk Law, Attorney at Law. 70 Doray Drive, Suite 16. Pleasant Hill, CA 94523. 925-849-5525. yesklaw@gmail.com. Regarding 5931 Annandale Way, Dublin, CA 94568.

2. Richard and Barbara Rendina vs. BAC Home Loans Servicing, Circuit Court of the Fifteenth Judicial Circuit in and for Palm Beach County, FL. Case 502012CA. 014810XXXXMB. Deposition was taken 7/22/13. Defendant represented by Michael H. Stauder, Sr., Esq., 2074 West Indiantown Road, Suite 100, Jupiter, FL 33458 561-529-2919 michael@stauderlaw.com

3. George and Monique Atwell vs. Aurora Loan Services, LLC; US Bank, NA as Trustee for Lehman XS 2006-4N; Quality Loan Service Corporation; Mortgage Electronic Registration Systems, Inc.; CMG Mortgage, Inc; All Fund Mortgage. Superior Court of the State of California, County of Los Angeles, Central District. Case BC457277. Deposition taken 1/20/14 by Victoria E. Edwards, Esquire, Akerman LLP, 1400 Wewatta St., Suite 500, Denver, CO 80202, 303- 260-7712 victoria.edwards@akerman.com . Plaintiff represented by George M. Hill, Esquire, Rodriguez Law Group, Inc., 1961 West Huntington Drive, Suite 201, Alhambra, CA 91801, 626-888-5206, george@attroneyprod.com

4. Wells Fargo Bank, NA vs. Demetrial Guiuan. Superior Court of New Jersey, Chancery Division, Essex County. Docket number F-024967-12. Deposition taken 1/26/14 by Barbara K. Hager, Esq., Reed Smith, LLP, 136 Main Street, Suite 250, Princeton, NJ 08540 609-524-2071 bhager@reedsmith.com. Via video teleconference. Defendant Demetria Guiuan, pro se. 179 West Mount Pleasant Avenue, PO Box 172, Livingston, NJ 07039. 862-485-1282. demetriaguiuan@gmail.com

5. Wells Fargo Bank, NA vs. Gregoria Castillo. Superior Court of California, San Diego County. Case No. 37-2013-00052289-CU-OR-CTL. Deposition taken 1/19/15 by Fidelity National Law Group by Paul Meshek (CA State Bar 97737.) 915 Wilshire Blvd., Ste. 2100, Los Angeles, CA 90017 (213) 438-4412.

6. Wells Fargo vs. Patrick Kelly. Defendant represented by Seth N. Katz, Esq. Thompson Law Group, LLC, PO Box 53484. Atlanta, GA 30355. 404-816-0500. skatz@thomlaw.net Re. Lot 24 Rivers Reach, Eufaula, AL 36027. Case number 12C00215-5. Deposition taken 4/24/13.

7. Hill vs. Bank of New York Mellon. Superior Court of California, Torrance. Case No. YC069764. Testified at prove up hearing 6/24/15.

8. U.S. Bank National Association vs. Harmesh Verma. Superior Court of New Jersey. Chancery Division: Monmouth County. Docket No. F-013097-15. David Rubenstein, Esq. for defendant. Rubenstein Business Law. Park 80 West, Plaza II. 250 Pehle Avenue, Suite 200. Saddle Brook, NJ 07663. (201) 291-2741. drubenstein@rubensteinbusinesslaw.com Appeared in court 9/14/16. Motion to allow testimony denied due to adjudged insufficient notice.

Others available by request.

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