Vincent Spoto is a senior executive with over 30 years experience in the Financial Services Industry managing large diverse operations, with an emphasis on and success in driving transformational change. He has led strategies to design, develop and implement business model, process, and infrastructure solutions to meet dynamic business opportunities and complex regulatory requirements. His strong background in financial accounting, internal audit and risk management has been critical to his overall success in driving continuous process improvements. Vincent has achieved success through effective leadership of teams comprised of business executives, lawyers, regulators, examiners, investment bankers, technologists and operations partners of mid-to-large size cross-functional staff organizations. His proven leadership and management of large teams have been most evident through periods of rapid change and uncertainty. Currently, Vincent serves as Partner and Managing Director for RRMS Advisors, LLC (RRMS). RRMS is an advisory / consulting firm specializing in the investigation and recovery of losses relating primarily to residential mortgages. They also provide expert witness and discovery services to prominent law firms, and work closely with clients on matters relating to default management, operational process improvements, risk management and regulatory compliance. Prior to joining RRMS, Mr. Spoto spent several years at Credit Suisse, where he established a formalized Mortgage Servicing National Audit Oversight / Surveillance group to act as the “watch dog” for the entire vertical residential mortgage business (i.e. loan servicing, underwriting, warehousing, loan repurchases, conduit operations and fulfillment), 15+ years as Global Corporate Finance Division Head at Citibank and 5+ years as a senior auditor at Chase Manhattan Bank (now JP Morgan Chase). Vincent has published numerous articles and White Papers on a variety of topics relating to Mortgage Finance, Residential Mortgage-Backed Securities (RMBS), Audit and Internal Control. He holds a Bachelor’s degree from Queens College and two Masters Degrees with separate specialties in both Finance and Accounting, both from St. John’s University. In addition, he has passed both the Series 7 and Series 63 professional securities examinations.