Expert Details
Escrow Fraud, Escrow Negligence, Escrow Embezzlement, Standards of Care in Escrow
ID: 727445
California, USA
Expert has demonstrated extensive expertise in the escrow and title industry through a variety of impactful roles and accomplishments. She developed and implemented programs to ensure compliance with company requirements for both employee and non-employee notaries, and she has investigated and reported cases of employee embezzlement to law enforcement agencies. As an authority in her field, she has been deposed as the person most knowledgeable on escrow matters.
As a Certified Senior Escrow Officer and Escrow Instructor, Expert has been an influential figure in her field. She has held multiple leadership positions within the California Escrow Association (CEA), including serving as president and director, and has been recognized with awards such as the Committee Chair of the Year. She is a long-standing member of the American Escrow Association and the California Land Title Association Claims Awareness Committee.
Expert is also a prolific speaker and educator, having presented on a broad range of topics, including escrow standards of care, predatory lending practices, short sale transactions, and the intricacies of lender instructions. Her innovative approach is exemplified in her creation of educational programs like "Escrow-opoly" and "Title-opoly." Additionally, she is an accomplished writer, contributing numerous articles on escrow and title-related topics to industry publications.
Throughout her career, Expert has demonstrated a commitment to professional development, regularly attending and contributing to conferences and workshops that address emerging trends, regulatory changes, and best practices in the escrow and title sectors. Her expertise extends to Employer, where she advises on compliance, audits escrow files, and serves as an expert witness in litigation cases.
Education
Year | Degree | Subject | Institution |
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Year: 1990 | Degree: Certificate | Subject: Escrow Practices | Institution: California Escrow Association |
Year: 1990 | Degree: Certificate | Subject: Title & Escrow Legislation, Real Estate Fraud, Trust Law, Embezzlement | Institution: California Escrow Associaton |
Year: 1990 | Degree: Certificate | Subject: Reverse Mortgages, Mortgage Fraud, Escrow Claims, Title Legislation | Institution: California Escrow Association |
Year: 1990 | Degree: Certificate | Subject: Lender Instructions, Avoiding the Courtroom, Foreclosure & Bankruptcy | Institution: California Escrow Association |
Year: 1990 | Degree: certificate | Subject: New Laws & New Cases | Institution: California Land Title Association |
Work History
Years | Employer | Title | Department |
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Years: 2008 to Present | Employer: Undisclosed | Title: Real Estate Escrow Consultant | Department: |
Responsibilities:Advisory to Escrow Holders and Compliance Officers concerning issues arising from escrow transactions. Auditing escrow files for processing and clearing of escrow claims. Range of specialties focus on analysis of escrow files for application of industry standards, practices and balancing of escrow transactions. |
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Years | Employer | Title | Department |
Years: 2012 to 2013 | Employer: North American Title Company (NATIC) | Title: Escrow Advisory | Department: |
Responsibilities:Provided services for real estate transactions across 3 states. It is now known as Doma Title Insurance, Inc. |
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Years | Employer | Title | Department |
Years: 2012 to 2012 | Employer: First American | Title: Escrow Auditor | Department: |
Responsibilities:Provided auditing for state reporting requirements for closed escrows in Hawaii. Also provided auditing of escrow files for California. |
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Years | Employer | Title | Department |
Years: 2005 to 2008 | Employer: Alliance Title Company | Title: Director of Escrow Operations | Department: California and Nevada |
Responsibilities:Responsible for providing advice to all escrow officers, escrow operations managers and county managers concerning escrow issues. Created and conducted audit reporting program. Processed complaints from the California Department of Insurance. |
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Years | Employer | Title | Department |
Years: 2002 to 2005 | Employer: Ticor Title Company (formerly American Title) | Title: County Manager and Escrow Advisory | Department: Santa Clara and San Mateo County |
Responsibilities:Responsible for recruiting of escrow agents, processing escrow claims, and providing advisory to escrow personnel. |
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Years | Employer | Title | Department |
Years: 2000 to 2002 | Employer: New Century Title Company (formerly BridgeSpan Title Company and EZ Close Title Company) | Title: National Claims and Escrow Advisory Officer | Department: |
Responsibilities:Provided ongoing education courses to escrow officers. Filed escrow rates with the California Department of Insurance. Handled escrow claims. Drafted company forms (including general provisions). |
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Years | Employer | Title | Department |
Years: 1999 to 2000 | Employer: American Title Company | Title: Escrow Operations Manager | Department: |
Responsibilities:Evaluated escrow files and counseled escrow personnel concerning adherence to industry standards and regulatory compliance. Investigated and reported defalcations. |
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Years | Employer | Title | Department |
Years: 1988 to 1999 | Employer: Mercury Company (formerly United Title Company and Santa Clara Land Title Company) | Title: Vice President & Escrow Officer | Department: Legal & Underwriting |
Responsibilities:Performed state-wide auditing of escrow files for compliance with underwriting guidelines and escrow standards of care. Processed extra risk transactions. Chair of company practices committee. Advisory to escrow personnel. Columnist for the company newspaper. |
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Years | Employer | Title | Department |
Years: 1985 to 1989 | Employer: First American Title | Title: Branch Manager & Escrow Officer | Department: |
Responsibilities:Conducted employees reviews. Revamped branch operations system. Monitored profit and losses for the branch. Processed escrows. |
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Years | Employer | Title | Department |
Years: 1977 to 1985 | Employer: Valley Title Company | Title: Branch Manager & Escrow Officer | Department: |
Responsibilities:Processed and closed escrow transactions. Managed branch offices. |
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Years | Employer | Title | Department |
Years: 1974 to 1977 | Employer: First American Title | Title: Escrow Secretary | Department: |
Responsibilities:Processed and closed escrow transactions under the supervision of an escrow officer. |
Career Accomplishments
Associations / Societies |
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• Member, American Escrow Association • Member, California Escrow Association • Former Member, California Land Title Association Claims Awareness Committee |
Licenses / Certifications |
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Certified Senior Escrow Officer Certified Escrow Instructor |
Professional Appointments |
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• Former Vice President, SF Chapter of Forensic Expert Witness Association • Former President of the Escrow Association of Santa Clara Valley (3 years) • Former Director to the California Escrow Association (11 years) • Former Education Portfolio Chairperson, California Escrow Association • Former Forms and Practices Committee, California Escrow Association • Former News Editor and Chairperson, California Escrow Association (4 years) |
Awards / Recognition |
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Committee Chair of the Year Award (2012) |
Publications and Patents Summary |
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Expert has over 50 publications and has given numerous presentations and lectures focusing on the escrow industry standards of care. List available upon request. |
Additional Experience
Expert Witness Experience |
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Experience providing escrow expertise in class action lawsuits. Has been deposed as Person Most Knowledgeable from title/escrow company. Declared an expert witness for plaintiff and defendant. |
Training / Seminars |
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Created and delivered courses in the field of escrow for company employees. Created many courses and been a guest speaker for the California Escrow Association conferences, regional escrow association meetings and other industry related associations. |
Other Relevant Experience |
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Expert is able to re-balance an escrow file for comparison of the disbursement record against the closing statements. She can provide definitions of escrow terminology. |
Fields of Expertise
escrow, residential property, Real Estate, Title Insurance, Escrow, title insurance, escrow compliance, escrow transactions, escrow audits, real estate transactions, tracts, refinancing, short sales, construction loans, escrow standards of care, predatory lending, short sale transactions, lender practices, forensic escrow services, title compliance, escrow expert witness, title insurance expert witness, escrow consultant, title insurance consultant