|Exam Name||:||CA Service Desk Manager r12 Professional(R)|
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Jan 6, 2014
CA technologies introduced that its CA provider Desk manager r12.9 has executed the maximum level of certification for PinkVERIFY 2011 from crimson Elephant, an tips technology Infrastructure Library (ITIL) certification and education issuer.
“because it continues to play an more and more strategic function in our customers’ companies, it has become absolutely vital for them to rigorously make sure that every element of it's functionally optimized,” pointed out Crystal Miceli, senior director, product advertising, CA technologies. CA carrier Desk supervisor is supposed to help businesses advance their ITIL abilities base, she brought.
CA carrier Desk manager r12.9 carried out PinkVERIFY certification on all 15 available ITIL methods that span the IT maturity spectrum, from chaos to proactive business alignment. ITIL premiere practices help organizations enrich the satisfactory and effectivity of core IT processes and more advantageous align corresponding investments with their broader business objectives.
To attain PinkVERIFY certification, CA provider Desk manager r12.9 changed into assessed against ITIL terminology, definitions, performance and workflow necessities by using an skilled purple Elephant consultant with the maximum stage of ITIL certification.
extra tips on CA is obtainable at www.ca.com.
For greater information on pink Elephant, go right here.
big apple--(company WIRE)--CA applied sciences (NASDAQ:CA) these days introduced that Oceana group, South Africa's greatest fishing company, has efficiently implemented CA service management solutions to optimize their IT operations and raise consumer service levels.
Oceana community’s Chief information Officer, pleasure Hilton, says the enterprise required know-how that might increase carrier delivery to its clients, and that may be carried out directly.
“improved provider start and quick implementation is what we wanted – and it’s what we acquired from CA,” says Hilton. “CA service Desk manager’s reporting capabilities permit us to manage our efficiency degrees and listing alterations made to the device. Our users can also log into the gadget to tune development on their carrier requests.”
Hilton explains different critical components that stimulated the option of CA were the robustness of the expertise, its large acceptance and the high degrees of help.
Now outfitted with an built-in view of all carrier requests in procedure, Oceana can at once establish bottlenecks as well as persistent device faults, for this reason enabling IT to hone in on the basis reasons of concerns. CA carrier administration additionally gives Oceana the skill to pinpoint—and as a result reward—the high performers in the branch. additionally, finished reporting makes it easy to monitor the carrier provided by means of Oceana community’s IT carriers.
“international traits are seeing inside IT branch’s position themselves as actual service providers to the enterprise, and not as can charge centres. main corporations like Oceana group are relying on CA carrier administration to make this alternate efficaciously, and establishing IT as a real strategic enabler of the enterprise,” says Gary Lawrence, managing director, CA Southern Africa.
CA Southern Africa assisted Oceana within the implementation of CA carrier management.
“throughout the answer deployment, CA Southern Africa facilitated key consumer cognizance and change administration periods,” says Sue Dods, account manager, CA Southern Africa. “The sessions played a vital role riding user involvement and acceptance, assisting Oceana obtain highest advantage from CA service management and further rushing time to value.”
Hilton says that Oceana community is also planning to extend CA carrier management to its procurement, collectors and HR departments to support manage interactions with clients more with no trouble.
About CA applied sciences
CA technologies (NASDAQ: CA) creates utility that fuels transformation for businesses and makes it possible for them to capture the alternatives of the utility financial system. software is at the heart of each business in each business. From planning, to building, to management and security, CA is working with corporations worldwide to alternate the style we reside, transact, and communicate – across cell, inner most and public cloud, dispensed and mainframe environments. gain knowledge of extra at www.ca.com.
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Copyright © 2015 CA. All Rights Reserved. All trademarks, trade names, carrier marks, and logos referenced herein belong to their respective organizations.
Nigeria’s access bank has deployed a number CA technologies options aimed toward taking carrier administration to greater tiers; boosting client service and enriching customers’ experiences via stronger technology availability.
CA Southern Africa associate sign Alliance signed the contend with access bank to put into effect CA carrier Desk supervisor, CA customer Automation, CA Unified Infrastructure administration (formerly CA Nimsoft video display) and CA Spectrum.
in response to Rotimi Famuwagun, head of subsidiaries IT at entry financial institution, the deployment of those IT provider administration (ITSM) and infrastructure administration solutions is anticipated to dramatically increase the enterprise’s ability to control know-how for ideal operational performance.
“Banks these days are extremely elegant on expertise for effective operations and adequate client carrier,” he says. “besides the fact that children, our present methods and community management solutions had been limited and isolated to particular departments with basically no integration on the enterprise degree. This led to a chronic effort within the evaluation of hobbies from distinct sources and uncertain results which expanded the imply-time-to-repair.”
Famuwagun adds that the present equipment also had limited, if any, old records gathering capabilities. “That made root cause evaluation inconceivable, specially within the absence of primary collection of IT pursuits and monitored metrics which is fundamental to keep in mind the class and frequency of hobbies obtained over time.”
Following a aggressive request for proposal and a proof-of-conception endeavor, CA’s integrated options were chosen on the foundation of confirmed capabilities and the past performance of other initiatives. Famuwagun provides that the turnaround time of subject resolution and the availability of native aid have been other key metrics, as changed into CA Southern Africa’s verified skill to with no trouble interact with the bank.
while the implementation of the a number of options is at the moment underway, Famuwagun says outcomes are already being considered. “these days, we will with ease display screen expertise infrastructure from throughout the globe in a single area. We’ve also considered a lift in service start to group of workers in terms of the time taken for our guide team to get to the bottom of concerns from the point at which faults are logged.”
Famuwagun notes that this drives up delight stages within the bank’s users, but additionally has an even greater important benefit. “This has more desirable efficiency vastly, with decreased downtime and a right away tremendous impact on client service.”
Johan Redelinghuys, CA Southern Africa account manager, says organizations like access financial institution consider the price of legit IT programs which can be always monitored for availability, performance and reliability. “The means to music every configuration item, every component and each service means entry financial institution is capable of manage vital know-how service start.
“guidance technology techniques are a a must have component in attaining enough customer experiences. CA Southern Africa specialises in IT administration and we now have introduced these talents to bear within the position of helping entry financial institution to take its interior efficiency tiers to new heights and thereby enhancing customer provider and pride tiers.”
CA helps Nigerian financial institution elevate service ranges
Nigeria’s access bank has deployed various CA applied sciences options geared toward taking carrier administration to bigger levels; boosting consumer provider and enriching shoppers’ experiences through more desirable know-how availability.
CA Southern Africa accomplice sign Alliance signed the cope with entry bank to implement CA provider Desk supervisor, CA client Automation, CA Unified Infrastructure management (previously CA Nimsoft display screen) and CA Spectrum.
in accordance with Rotimi Famuwagun, head of subsidiaries IT at access financial institution, the deployment of these IT service administration (ITSM) and infrastructure management solutions is anticipated to dramatically enhance the employer’s capacity to control know-how for most beneficial operational efficiency.
“Banks today are enormously stylish on expertise for productive operations and adequate consumer service,” he says. “although, our existing techniques and network management options have been limited and isolated to selected departments with almost no integration on the commercial enterprise level. This led to a chronic effort in the evaluation of movements from distinctive sources and unclear results which improved the mean-time-to-restoration.”
Famuwagun provides that the present equipment additionally had confined, if any, ancient records gathering capabilities. “That made root trigger evaluation not possible, notably in the absence of relevant assortment of IT movements and monitored metrics which is crucial to take note the category and frequency of activities acquired over time.”
Following a aggressive request for notion and a proof-of-concept activity, CA’s integrated options have been chosen on the foundation of proven capabilities and the previous efficiency of different projects. Famuwagun adds that the turnaround time of concern resolution and the availability of local aid have been different key metrics, as became CA Southern Africa’s validated means to conveniently interact with the bank.
whereas the implementation of the a lot of solutions is presently underway, Famuwagun says effects are already being seen. “today, we will easily monitor technology infrastructure from across the globe in a single location. We’ve also seen a boost in carrier delivery to group of workers in terms of the time taken for our aid team to unravel issues from the element at which faults are logged.”
Famuwagun notes that this drives up satisfaction levels in the financial institution’s users, but also has a fair more important benefit. “This has more advantageous efficiency drastically, with decreased downtime and a direct tremendous have an effect on on customer carrier.”
Johan Redelinghuys, CA Southern Africa account manager, says organizations like access financial institution take note the value of professional IT programs that are continuously monitored for availability, performance and reliability. “The means to song every configuration merchandise, every part and every provider means access bank is capable of manipulate essential know-how provider start.
“information know-how techniques are a essential component in attaining enough client experiences. CA Southern Africa specialises in IT management and we've brought these potential to endure in the position of assisting access financial institution to take its inside performance ranges to new heights and thereby bettering consumer service and pride stages.”
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In a robust and frank conversation, the insurance legend provides unique insights into global trade, his past battles and what the future holds for the industry and his company.
In 1960, Maurice “Hank” Greenberg was hired as a vice president of C.V. Starr & Co. At age 35, he had already accomplished a great deal.
He served his country as part of the Allied Forces that stormed the beaches at Normandy and liberated the Nazi death camps. He fought again during the Korean War, earning a Bronze Star. He held a law degree from New York Law School.
Now he was ready to make his mark on the business world.
Even C.V. Starr himself — who hired Mr. Greenberg and later hand-picked him as the successor to the company he founded in Shanghai in 1919 — could not have imagined what a mark it would be.
Mr. Greenberg began to build AIG as a Starr subsidiary, then in 1969, he took it public. The company would, at its peak, achieve a market cap of some $180 billion and cement its place as the largest insurance and financial services company in history.
This month, Mr. Greenberg travels to China to celebrate the 100th anniversary of C.V. Starr & Co. That visit occurs at a prickly time in U.S.-Sino relations, as the Trump administration levies tariffs on hundreds of billions of dollars in Chinese goods and China retaliates.
In September, Risk & Insurance® sat down with Mr. Greenberg in his Park Avenue office to hear his thoughts on the centennial of C.V. Starr, the dynamics of U.S. trade relationships with China and the future of the U.S. insurance industry as it faces the challenges of technology development and talent recruitment and retention, among many others. What follows is an edited transcript of that discussion.
R&I: One hundred years is quite an impressive milestone for any company. Celebrating the anniversary in China signifies the importance and longevity of that relationship. Can you tell us more about C.V. Starr’s history with China?
Hank Greenberg: We have a long history in China. I first went there in 1975. There was little there, but I had business throughout Asia, and I stopped there all the time. I’d stop there a couple of times a year and build relationships.
When I first started visiting China, there was only one state-owned insurance company there, PICC (the People’s Insurance Company of China); it was tiny at the time. We helped them to grow.
I also received the first foreign life insurance license in China, for AIA (The American International Assurance Co.). To date, there has been no other foreign life insurance company in China. It took me 20 years of hard work to get that license.
We also introduced an agency system in China. They had none. Their life company employees would get a salary whether they sold something or not. With the agency system of course you get paid a commission if you sell something. Once that agency system was installed, it went on to create more than a million jobs.
R&I: So Starr’s success has meant success for the Chinese insurance industry as well.
Hank Greenberg: That’s partly why we’re going to be celebrating that anniversary there next month. That celebration will occur alongside that of IBLAC (International Business Leaders’ Advisory Council), an international business advisory group that was put together when Zhu Rongji was the mayor of Shanghai [Zhu is since retired from public life]. He asked me to start that to attract foreign companies to invest in Shanghai.
“It turns out that it is harder [for China] to change, because they have one leader. My guess is that we’ll work it out sooner or later. Trump and Xi have to meet. That will result in some agreement that will get to them and they will have to finish the rest of the negotiations. I believe that will happen.” — Maurice “Hank” Greenberg, chairman and CEO, C.V. Starr & Co. Inc.
Shanghai and China in general were just coming out of the doldrums then; there was a lack of foreign investment. Zhu asked me to chair IBLAC and to help get it started, which I did. I served as chairman of that group for a couple of terms. I am still a part of that board, and it will be celebrating its 30th anniversary along with our 100th anniversary.
We have a good relationship with China, and we’re candid as you can tell from the op-ed I published in the Wall Street Journal. I’m told that my op-ed was received quite well in China, by both Chinese companies and foreign companies doing business there.
On August 29, Mr. Greenberg published an opinion piece in the WSJ reminding Chinese leaders of the productive history of U.S.-Sino relations and suggesting that Chinese leaders take pragmatic steps to ease trade tensions with the U.S.
R&I: What’s your outlook on current trade relations between the U.S. and China?
Hank Greenberg: As to the current environment, when you are in negotiations, every leader negotiates differently.
President Trump is negotiating based on his well-known approach. What’s different now is that President Xi (Jinping, General Secretary of the Communist Party of China) made himself the emperor. All the past presidents in China before the revolution had two terms. He’s there for life, which makes things much more difficult.
R&I: Sure does. You’ve got a one- or two-term president talking to somebody who can wait it out. It’s definitely unique.
Hank Greenberg: So, clearly a lot of change is going on in China. Some of it is good. But as I said in the op-ed, China needs to be treated like the second largest economy in the world, which it is. And it will be the number one economy in the world in not too many years. That means that you can’t use the same terms of trade that you did 25 or 30 years ago.
They want to have access to our market and other markets. Fine, but you have to have reciprocity, and they have not been very good at that.
R&I: What stands in the way of that happening?
Hank Greenberg: I think there are several substantial challenges. One, their structure makes it very difficult. They have a senior official, a regulator, who runs a division within the government for insurance. He keeps that job as long as he does what leadership wants him to do. He may not be sure what they want him to do.
For example, the president made a speech many months ago saying they are going to open up banking, insurance and a couple of additional sectors to foreign investment; nothing happened.
The reason was that the head of that division got changed. A new administrator came in who was not sure what the president wanted so he did nothing. Time went on and the international community said, “Wait a minute, you promised that you were going to do that and you didn’t do that.”
So the structure is such that it is very difficult. China can’t react as fast as it should. That will change, but it is going to take time.
R&I: That’s interesting, because during the financial crisis in 2008 there was talk that China, given their more centralized authority, could react more quickly, not less quickly.
Hank Greenberg: It turns out that it is harder to change, because they have one leader. My guess is that we’ll work it out sooner or later. Trump and Xi have to meet. That will result in some agreement that will get to them and they will have to finish the rest of the negotiations. I believe that will happen.
R&I: Obviously, you have a very unique perspective and experience in China. For American companies coming to China, what are some of the current challenges?
Hank Greenberg: Well, they very much want to do business in China. That’s due to the sheer size of the country, at 1.4 billion people. It’s a very big market and not just for insurance companies. It’s a whole range of companies that would like to have access to China as easily as Chinese companies have access to the United States. As I said previously, that has to be resolved.
It’s not going to be easy, because China has a history of not being treated well by other countries. The U.S. has been pretty good in that way. We haven’t taken advantage of China.
R&I: Your op-ed was very enlightening on that topic.
Hank Greenberg: President Xi wants to rebuild the “middle kingdom,” to what China was, a great country. Part of that was his takeover of the South China Sea rock islands during the Obama Administration; we did nothing. It’s a little late now to try and do something. They promised they would never militarize those islands. Then they did. That’s a real problem in Southern Asia. The other countries in that region are not happy about that.
R&I: One thing that has differentiated your company is that it is not a public company, and it is not a mutual company. We think you’re the only large insurance company with that structure at that scale. What advantages does that give you?
Hank Greenberg: Two things. First of all, we’re more than an insurance company. We have the traditional investment unit with the insurance company. Then we have a separate investment unit that we started, which is very successful. So we have a source of income that is diverse. We don’t have to underwrite business that is going to lose a lot of money. Not knowingly anyway.
R&I: And that’s because you are a private company?
Hank Greenberg: Yes. We attract a different type of person in a private company.
R&I: Do you think that enables you to react more quickly?
Hank Greenberg: Absolutely. When we left AIG there were three of us. Myself, Howie Smith and Ed Matthews. Howie used to run the internal financials and Ed Matthews was the investment guy coming out of Morgan Stanley when I was putting AIG together. We started with three people and now we have 3,500 and growing.
“I think technology can play a role in reducing operating expenses. In the last 70 years, you have seen the expense ratio of the industry rise, and I’m not sure the industry can afford a 35 percent expense ratio. But while technology can help, some additional fundamental changes will also be required.” — Maurice “Hank” Greenberg, chairman and CEO, C.V. Starr & Co. Inc.
R&I: You being forced to leave AIG in 2005 really was an injustice, by the way. AIG wouldn’t have been in the position it was in 2008 if you had still been there.
Hank Greenberg: Absolutely not. We had all the right things in place. We met with the financial services division once a day every day to make sure they stuck to what they were supposed to do. Even Hank Paulson, the Secretary of Treasury, sat on the stand during my trial and said that if I’d been at the company, it would not have imploded the way it did.
R&I: And that fateful decision the AIG board made really affected the course of the country.
Hank Greenberg: So many people lost all of their net worth. The new management was taking on billions of dollars’ worth of risk with no collateral. They had decimated the internal risk management controls. And the government takeover of the company when the financial crisis blew up was grossly unfair.
From the time it went public, AIG’s value had increased from $300 million to $180 billion. Thanks to Eliot Spitzer, it’s now worth a fraction of that. His was a gross misuse of the Martin Act. It gives the Attorney General the power to investigate without probable cause and bring fraud charges without having to prove intent. Only in New York does the law grant the AG that much power.
R&I: It’s especially frustrating when you consider the quality of his own character, and the scandal he was involved in.
In early 2008, Spitzer was caught on a federal wiretap arranging a meeting with a prostitute at a Washington Hotel and resigned shortly thereafter.
Hank Greenberg: Yes. And it’s been successive. Look at Eric Schneiderman. He resigned earlier this year when it came out that he had abused several women. And this was after he came out so strongly against other men accused of the same thing. To me it demonstrates hypocrisy and abuse of power.
Schneiderman followed in Spitzer’s footsteps in leveraging the Martin Act against numerous corporations to generate multi-billion dollar settlements.
R&I: Starr, however, continues to thrive. You said you’re at 3,500 people and still growing. As you continue to expand, how do you deal with the challenge of attracting talent?
Hank Greenberg: We did something last week.
On September 16th, St. John’s University announced the largest gift in its 148-year history. The Starr Foundation donated $15 million to the school, establishing the Maurice R. Greenberg Leadership Initiative at St. John’s School of Risk Management, Insurance and Actuarial Science.
Hank Greenberg: We have recruited from St. John’s for many, many years. These are young people who want to be in the insurance industry. They don’t get into it by accident. They study to become proficient in this and we have recruited some very qualified individuals from that school. But we also recruit from many other universities. On the investment side, outside of the insurance industry, we also recruit from Wall Street.
R&I: We’re very interested in how you and other leaders in this industry view technology and how they’re going to use it.
Hank Greenberg: I think technology can play a role in reducing operating expenses. In the last 70 years, you have seen the expense ratio of the industry rise, and I’m not sure the industry can afford a 35 percent expense ratio. But while technology can help, some additional fundamental changes will also be required.
R&I: So as the pre-eminent leader of the insurance industry, what do you see in terms of where insurance is now an where it’s going?
Hank Greenberg: The country and the world will always need insurance. That doesn’t mean that what we have today is what we’re going to have 25 years from now.
How quickly the change comes and how far it will go will depend on individual companies and individual countries. Some will be more brave than others. But change will take place, there is no doubt about it.
More will go on in space, there is no question about that. We’re involved in it right now as an insurance company, and it will get broader.
One of the things you have to worry about is it’s now a nuclear world. It’s a more dangerous world. And again, we have to find some way to deal with that.
So, change is inevitable. You need people who can deal with change.
R&I: Is there anything else, Mr. Greenberg, you want to comment on?
Hank Greenberg: I think I’ve covered it. &
Whether it is reducing the number of cookies in a package and keeping the price the same or putting less ounces of cereal in a box and keeping the price the same, both are ways of slyly passing on costs to consumers. In housing, the same thing can be done. It turns out that 10% of the homes in Seattle consist of a single room! Is this 1720? (Think your job is tough? What about appraisers appraising, and investors valuing, homes with only one room?) As we head toward winter, and higher rates, on the flip side Trulia analysis shows 17% of U.S. listings have dropped asking prices. Housing outpacing wage gains is not a long-term recipe for success for real estate.
Training and Events
Join me for lunch next week! On Thursday, October 25th at Wente Vineyards in Livermore, CA join me, the California MBA and their President's Council member Riivos for a CFO Peer Group Luncheon event. My colleague, Joe Garrett, and I will speak on planning for 2019, mergers and acquisitions and other top of mind issues for independent mortgage bankers. This event is designed exclusively for mortgage banking CFOs and senior finance executives. Normally these CFO round table events are a benefit of membership in the California MBA, but Riivos is extending the invitation for this event to non-members as well. Doors open at 11:30 am (reservation required) with lunch and the program beginning at noon. If you're interested in attending this free event, please contact Susan Milazzo to make your reservation.
The hurricane season has been particularly rough on the Southeast this year and last. The Mortgage Bankers Association of Georgia in connection with NAMMBA, GREFPAC and NAMPW are hosting a charity event to raise money for the hurricane victims in their state and neighboring states. The first ever MBAG Connect for a Cause will be held on Thursday October 25th at Three Sheets in Sandy Springs from 5:30pm - 8:30pm with the Red Cross onsite collecting donations. Registration and more information at www.mbag.org and if you can't make it, donations can be made online via www.rdcrss.org/mbag.
Would you like to attend one of the California MBA events for free in 2019? Take advantage of its October Membership Month promotion and join the organization before 10-31-18 and you can receive a complimentary registration to any of their conferences next year. It's a great time to join this valuable organization. If you do business in California, it's time to support the organization that supports you and your company. Join today!
Join MBA NJ on its November 6, 2018 for its Webinar Series. Demystifying Credit Repair: Your Tools for Closing More Loans, Saving Time and Building Referrals. Hear Vic Melillo discuss Credit Repair and the different tools to help close more loans, save time and build a referral system. There will be time for Q & A at the end of the session.
If you're in the Kansas City area, register for the MBAKC Luncheon on November 15th. Speaker Rob Chrisman, questionable industry newcomer, will discuss, "What the Industry can expect in the First Half of 2019 - Without Making Forecasts."
National MI is pleased to bring the following four webinars to you in November.
Freddie Mac's Home Possible Mortgage: Nov 7 10AM-11:30AM PST, Learn more about how Freddie Mac has combined their Home Possible Mortgages into one low down payment offering and how it provides new flexibilities to expand homeownership opportunities for borrowers with low-to-moderate income. This webinar is led by 30-year mortgage industry veteran, Tom Ward, National Training Manager, Customer Education Services in Freddie Mac's Single Family Strategic Delivery organization. Advanced Self-Employed Borrower: Nov 8 10-11:30AM PST Need help navigating the complicated self-employed borrower process? In this advanced session, led by Marianne Collins of Diehl Mortgage Training and Compliance, participants will get a deep dive into the various schedules and tax code rules that come into play when underwriting the self-employed borrower.
National MI continues with: Oh, Shift! Session #2 - Oh, Shift. Nov 13 from 12:00 pm - 1:00 pm PST. Words give you power and control. National MI University presents the second webinar in a powerful six-part series. Best-selling author and Executive Coach, Jennifer Powers, MCC's "Oh, shift!" will teach you how to use your words to affect your mindset, motivation, relationships, results and reality. This is a big-time game-changer. Building Partnerships That Work: Nonprofit and Community Outreach: Nov 15 @ 12:00 pm - 1:00 pm PST, 75% of household growth is projected to come from minority segments over the next five years. Millennials and Generation Z are more likely to choose providers associated with a social cause. Join Kristin Messerli of Cultural Outreach and learn how to identify and build the right community partners, how to develop strong relationships through networking and communication and how to convert community outreach initiatives into a new channel of sales and recruitment!
Lender products & services
Government submissions are on the rise. JMAC Lending is offering Appraisal Fee Credits of up to $500 at closing for all Government Purchase loans submitted in October and Novemberand closed by Dec. 31, 2018. "JMAC provides flexible credit and income guidelines manual underwriting (DTI to 50%) manufactured home loans (FHA) and reduced seasoning for credit events such as foreclosure, short sales, DIL and bankruptcy," Regional Sales Manager Robin King says. "We are closing government purchase loans in 14-21 days. Plus, you can get your borrowers pre-qualified to save more time." Click here for details on the Govt. promotion. To speak with an AE, and to submit a scenario, contact sales@JMACLending.com or call 844.888.5622.
TCF Bank's Relationship Lending Unit (RLU) is happy to announce the addition of four new sales leaders to grow its HELOC business nationwide. Mark Mazzenga will lead the eastern United States team, Jim Sprick will lead the western United States team, Ken Cudia joins as the southern Florida business development manager and Douglas Smurthwaite joins as the northern California business development manager. "These four individuals bring decades of experience to the TCF RLU team," said Mark Zierott, national sales manager, relationship lending unit at TCF Bank. "With expanded loan sizes, reduced FICO scores, lower margins, and our concurrent and standalone offerings, TCF RLU continues to be the number one choice for HELOCs in the TPO channel." If you are interested in becoming an approved partner with TCFRLU, please contact Mark Zierott.
Are You Ready to eClose the Digital Loop? Nancy Pratt, Pavaso's Vice President of Partner Relations and Government Affairs, says front-end origination technologies have made enormous strides toward digital mortgages and improved the borrower experience with intuitive designs and automated approvals. Now, she says, it's time for lenders to take the next step toward eClosing loans. "Today's lenders have the ability to expand the digital experience by letting customers view closing documents online prior to close, in the comfort of their own homes and at their own pace," Pratt says. "They can even access educational links, videos and explanations about individual documents. When given a more transparent eClosing process, we've found borrowers spend a fraction of time at the closing table, often executing documents in 15 minutes or less." To learn more about Pavaso's eClose solutions, visit www.pavaso.com, reach out to email@example.com or give them a call at (866) 288-7051.
Did you sell off yourself along with your loans? This new white paper from TMS will stop you in your tracks and make you rethink what you know about correspondent lending, or, as TMS calls it, CAREspondent lending. It's time you start caring about who you choose as a correspondent investor because your customer sure does. As it stands, less than 10% of customers return to their original correspondent lender when they decide to get another mortgage or refinance. The Correspondent lender loses connection with the borrower when they dump them onto a correspondent investor and never explain the process. If you want to secure future growth and create repeat customers, it's time to start caring about who you partner with, and how you're communicating to borrowers. Read more here.
Amidst rising interest rates and declining origination volume, lenders must cast a wider net for customers, a growing number of which are self-employed. To capitalize on this trend, lenders need a simpler, faster way to underwrite mortgages for Americans who are their own bosses. To this end, Freddie Mac has integrated fintech vendor LoanBeam's technology with Loan Product Advisor®, our automated underwriting system, to introduce the first and only integrated self-employment income solution for the market. LoanBeam's software uses optical character recognition technology to extract and digest a borrower's tax returns and other financials, and then calculate a total income figure that aligns with Freddie Mac's guidelines. This integration offers lenders several advantages, including an automated review of the accuracy of qualifying income, eliminating the need to chase down unnecessary documents that support residual/excess income and certainty that the income calculation is eligible for representation and warranty relief. Learn more.
Steady as she goes. (For now.) The U.S. 10-year closed at 3.18% after the release of a disappointing Housing Starts (20k below expectations) and Building Permits (32k below expectations) report for September. The supply of new homes isn't picking up fast enough to meet the demand for new homes at more affordable price points, and overall home sales activity should continue to be repressed by affordability constraints. The afternoon release of September FOMC Minutes showed that policymakers are ready to increase the fed funds rate range past the neutral policy rate, acknowledging the presence of strains on emerging market economies but without significant concern. The implied likelihood of a hike in December increased to 83% from 80%, but the implied probability of another rate increase in March dropped slightly 50%.
Weekly jobless claims and the Philadelphia Fed Manufacturing Index began today's calendar (-5k to 210k, -.7 to 22.2, respectively) followed later by September Leading Economic Indicators. "Fed speak" consists of messages from St. Louis Fed President Bullard, and Governor Quarles. Finally, the NY Fed will be back with likely the last MBS large-scale purchase recap of the year at 2PM. We begin Thursday with the 10-year yielding 3.20% and agency MBS prices roughly unchanged from Wednesday's close.
Jobs & promotions
Fiserv/PCLender is searching for a Client Services Manager. This senior position leads a national customer support team and reports to Fiserv/PCL Director of Client Experience. A successful candidate will work directly with clients, professional services and sales to ensure highest level of customer support services and relationship management for LOS Clients. Send inquiries to Resumes@PCLender.com or apply online for R-10098051-1.
Guardian Mortgage, a division of Sunflower Bank, N.A., has announced that due to unprecedented retail growth, that it will move resources away from its less profitable Correspondent Lending division to focus on the rapidly growing retail platforms. Even in a rising interest rate environment, with refinances slowing, Guardian's volume is up over 119% in 2018 alone, beating projections. The decision was solidified with their 2019 expansion plans for new and existing retail markets, and the addition of new sales teams in several states to fuel further growth. "Due to balance sheet or cash flow concerns, others are retracting and we're expanding. We just purchased $50 million in servicing when others are selling. For Originators, is your current company experiencing this kind of growth? If not, maybe we should talk." said Guardian Mortgage president Mischelle Weaver. Guardian Mortgage is growing, and they're always looking for top performers. Please visit its website.
Do you have the niche products you need to win business from builders and REALTORS? Can you increase your market share via MSAs or desk rental agreements? Planet Home Lending branches can. Join Planet and get a robust product portfolio with no agency overlays, plus: no MI and near-miss jumbo, bank statement, Debt Service Coverage Ratio (lease income), foreign national, and asset depletion non-QMs, 203(k) renovation and 203(h) 100% post-disaster loans, TDB (lock and shop), non-warrantable condos, manufactured homes, USDA, 80/10/10, and DPA. Call 888-792-8480 for a confidential consultation or email Planet Home with a note of interest.
Assurance Financial offers branch managers and top producing loan originators something they seek: consistency - a way to close more loans on time with the same amount of effort. "Our team is designed, built, and marketed to support the LO-every time. We deliver what we promise. Assurance Financial is a growing private residential mortgage banker with offices throughout the South, East Coast, and Midwest US, and we may be just what you're looking for. Contact Paul M. Peters, CMB (225-939-6353) for a confidential discussion today."
The Equitable Mortgage Corporation (EMC) welcomed Todd Reigle as its new Vice President of Marketing. Reigle joins EMC with over 24 years of marketing experience in the Columbus area various radio and nonprofit organizations including Radiohio Inc./97.1 The Fan, Canine Companions for Independence, Goodwill Columbus and Make-A-Wish.
Sun West Mortgage Company, Inc. has expanded its distributed retail division with the launch of new DBA, Mortgage Possible. Congratulations to industry experts Ty Kern, Jeff Onofrio, Eddie Brown, and John Brumund who are managing the launch of this new DBA.
“I didn't do her any favors,” Waltman said. “I was so f--ked up I couldn’t even take care of myself. I had no business trying to help someone else.”
Week after week, Laurer and Waltman met up with friends for binges that almost always involved crystal meth—Waltman injected the drug; Laurer either snorted the powder or chugged it with a glass of water.
The meth gave Laurer and Waltman enough energy to stay awake for two or three days straight. Then they’d sleep for 24 hours and do it all over again. Tonia Moore, a former champion bodybuilder, said she used meth with Laurer and Waltman multiple times in 2003 and 2004.
“When you get caught up in that stuff, it feels like you’re in a time warp,” Moore says. “Life doesn’t move forward very much. You sit around and come up with all these ideas but never follow through with any of them.”
When she left WWE, Laurer said her goal was to land modeling gigs and roles on TV shows and movies. But the deeper she plunged into her drug addiction, the more she no-showed casting calls.
“When you get caught up in that stuff [meth], it feels like you’re in a time warp…”
Moore began to worry about her friend in 2003 when Laurer called to say she was throwing away all of her possessions. Moore sped to Laurer’s apartment in Marina del Rey and found her cramming years’ worth of wrestling outfits, magazines, DVDs—even her WWE Women’s World Title belt—into $500 Tumi suitcases. Laurer said she planned to leave them on the curb for strangers. Her friend wouldn’t allow it.
“I told her I’d keep them for her until she was ready to take them back,” Moore says.
Twelve years later, the items are still in Moore’s closet.
With autograph signings as her main income, Laurer complained to friends that she was running out of money and joked about applying for a job at Burlington Coat Factory.
She and Waltman got engaged and filmed a sex tape. Waltman said he made $250,000 from 1 Night in China and estimates Laurer received significantly more—but the teasing and shame that followed drove Laurer deeper into depression.
Waltman said Laurer physically assaulted him twice, breaking his nose the first time before punching him repeatedly in the presence of his children in January 2005, when she was arrested for domestic assault.
“What people need to remember is that she was mentally ill,” Waltman says. “Drugs definitely didn’t help the problem, but she was just using those to self-medicate from the pain that comes from being messed up in the head, from the childhood trauma and other stuff that happened in her life
“I saw some crazy s--t. The shade of her eyes would switch colors. The features in her face would change. She could go from being mean- and scary-looking to looking like a little child in her face and her eyes. She had two personalities.”
Her friends were in love with the other Chyna, the one who adored chihuahuas and played the cello and sang songs from Moulin Rouge! on her karaoke machine. They talk about the month of September 2001, when Laurer packed a suitcase full of Playboys and traveled to New York, popping into fire stations alone to sign autographs and take pictures with Ground Zero first responders. They tell stories about the Chyna who, when she didn’t have enough money for a tip, gave her black mink coat to a mover she had hired off Craigslist.
“People wanted to be her friend because she was a star, because she was Chyna,” says Christian Moralde, an actor and former roommate. “But she was so much more than that. It was impossible to meet her and not fall in love with her.”
It was also impossible, Moralde says, not to ache for Laurer during those moments of clarity when she grasped all that she had lost.
Moralde was in the car with Laurer one day when they passed a Los Angeles billboard featuring Dwayne “The Rock” Johnson, who had turned a successful stint with the WWE into a blockbuster movie career. Laurer and Johnson had appeared together on the cover of Newsweek in February 2000.
“It’d be difficult,” Moralde says, “to go from the cover of Playboy and ringing the bell at the New York Stock Exchange and seeing your likeness on a building in Times Square to being unemployed—to not have a sense of where you’re going or what you’re going to do next.
“She was struggling to remain relevant.”
When Natasha Bardon arrived at Joanie Laurer’s studio apartment in July 2012, she found a man named Stephen hiding in the kitchen.
Laurer told Bardon she’d met the drifter when he called out to Laurer as she jogged along the beach a few months earlier. Broke and homeless, Stephen told Laurer he had followed her career and that she’d been an inspiration. Laurer offered him a place to stay, and now the two were in love.
“He buttered her up,” Bardon says, “and she fell for it.”
A longtime friend, Bardon had traveled to Redondo Beach from Honolulu that July afternoon sensing trouble. Laurer liked to chat on Facebook and through text messages, but by early 2012, her replies had grown slower, more cryptic, saying only that she was “miserable” and “stuck.”Laurer in her apartment, 2012 (Courtesy photo)
Arriving unannounced with her infant daughter—whom she’d named Deztinee-Chyna—Bardon walked into a 600-square-foot apartment with no furniture. A blow-up mattress without sheets sat in the middle of the living room, and dirty clothes were strewn across the floor. The stench of whiskey was noticeable as soon as Laurer opened her door, eyelids heavy, face drooped, a bottle of Jack Daniel’s in her right hand.
“She was chugging it like it was Gatorade,” Bardon said. “She was beyond drunk. I started crying because I couldn’t believe the Chyna I knew—the Chyna I idolized—was living like that.
“I was scared to even let her hold her goddaughter.”
Bardon walked into the kitchen and found Stephen pressed against a wall, hoping to go unnoticed. Shirtless and disheveled, he introduced himself as Laurer’s boyfriend and then fished her debit card out of her purse, telling Bardon he was going to “pick up Chyna’s medicine.” He finally returned at 7 a.m. the next day, Bardon says, with two more bottles of Jack and a wad of twenties from the ATM.
Laurer later confided to Bardon that Stephen had asked her to marry him. When she declined, he got a tattoo of a wedding band inked around his left ring finger emblazoned with one word: CHYNA.
Laurer and her new boyfriend shared an email address. She told Bardon that Stephen had cut out chunks of her long black hair—and that he’d also persuaded her to cash in a 401(k) for $140,000. Only $20,000 remained, Laurer told her friend.
“He was controlling her,” Bardon says. “He was using her for money and keeping her intoxicated so she wouldn’t know the difference.”
(Stephen did not respond to multiple requests for comment for this story.)
Bardon had seen enough.
“You’re coming to Hawaii with me,” she told her friend, “and the only answer I’ll accept is yes.”
Laurer with Natasha Bardon in Hawaii (Courtesy of Natasha Bardon)
The following afternoon Laurer boarded a plane to Honolulu, needing only two duffel bags to carry all of her belongings. She spent Halloween, Thanksgiving and Christmas with Bardon and her family. She stopped taking Valium and Ambien and drank only in moderation. Then, before New Year’s Eve, Stephen reached Laurer by phone.
“In an instant,” Bardon said, “she went from a beautiful person who was loving life, to ‘F--k it, I just want to drink.’”
Laurer continued expressing anger toward the WWE, particularly because the company had yet to induct her into its Hall of Fame. Bardon reminded her that when she walked into a store, people screamed her name.
“That should be enough,” her friend said.
For Laurer, though, it wasn't.
She told Bardon she was ready to take control of her life. She wanted to start over, she said, and to do so, she needed to move as far away as possible.
“In an instant, she went from a beautiful person who was loving life, to ‘F--k it, I just want to drink.’”
Laurer chose Japan. She’d wrestled there briefly after leaving the WWE and loved the culture and lifestyle. In Japan, she told Bardon, she’d be all alone, free from the drugs and the booze, free from the abusive boyfriends and free from the social media hounds and gossip rags.
By moving to Japan, Laurer wouldn’t be running from her problems—she’d be confronting them. Or at least that was her plan.
Laurer with members of the Church of Jesus Christ of Latter-day Saints, into which she was baptized in 2014. (Courtesy of LDS S.M.I.L.E.)
Yohei Sato, an independent crude oil trader who was once Laurer’s business manager, was with Laurer on the flight to Tokyo in January 2013. He says she reeked of alcohol and was heavily intoxicated when she boarded the plane and was almost removed from the aircraft.
A few weeks later, Sato says Laurer called him at 10 a.m. and asked him to come to her apartment. When Sato arrived, the door was ajar and Laurer was on the living room floor in a pool of red. She had sliced deep wounds into her forearm, forcing Sato to rush her to the hospital, both of their clothes covered in blood.
Sato says doctors in Tokyo prescribed everything from Xanax to lithium to Ritalin to stabilize Laurer’s moods, but she regularly ingested more than the prescribed dose.
“It was obvious she had mental illness,” Sato says, “and the drugs only made it worse because they made her hallucinate. She’d call me and say the LAPD was outside her apartment with her ex-boyfriend. I’d say, ‘Chyna, we’re in Japan.’”
Police arrested Laurer at 2:49 a.m. one day after she climbed to the top of a pole outside her residence and screamed loud enough to wake the neighbors. When Sato went to pick her up from jail, he says Laurer was telling the Japanese officers that she was a famous wrestler, that the WWE had cheated her out of money and that she was one of the biggest reasons for the company’s success.
“She wanted to make sure everyone knew she’d been a star,” he says.
About a month later, Sato says 12 police cars responded to a call about a woman walking through the streets of Tokyo with blood streaming from her arms and her legs. As a crowd gathered nearby, he says Laurer swung a knife at officers as they approached, forcing them to gang-tackle her and hold her against the concrete until she was handcuffed. Laurer was admitted to Tokyo Metropolitan Matsuzawa Hospital, a facility specializing in mental health.
Word of the episodes spread locally, costing Laurer her part-time job teaching English. She landed similar work at a corporate education center, Sato says, only to be fired when a human resources manager walked into a class and witnessed Laurer teaching students how to kiss.
“She showed up to work intoxicated,” Sato says. “I kept asking her, ‘Why are you doing this, Chyna? Why? Why? Why?’”
Sato tried to help Laurer in 2014 by introducing her to members of the Mormon church. She was baptized on April 6 of that year and joined a women’s service organization.
Still, unable to find steady work and with few friends, Laurer never achieved the inner peace she sought in Japan. Nothing she had hoped to conquer—the alcohol and drugs, the rage at the WWE, the lingering mental health issues—got any better. If anything, they all became worse.
Cradling her chihuahua, Horn, each night in her tiny apartment, Laurer documented her feelings in short videos on her flip phone.
“It’s dark, and it’s cold, and I just wanna get out of here,” she said. “How am I going to get out of here?”
The email—marked “URGENT”—arrived in Dr. Drew Pinsky’s mailbox on November 8, 2015, at 7:08 p.m.
“I have a very serious issue regarding our old friend Chyna. If she doesn’t get help ASAP, she will die. The pills, the booze, it’s bad.”
The message to Pinsky—who had counseled Laurer when she appeared on his reality show Celebrity Rehab in 2008—was written by Anthony Anzaldo, the former manager Laurer had contacted the previous June when she was ready to leave Japan.
Anzaldo had spent the past five months chronicling Laurer’s life on film for a documentary entitled The Reconstruction of Chyna, the footage for which had begun immediately after she stepped off the plane.
“Does anyone remember who I am?” Laurer said as the two left New York’s JFK Airport, a backpack her only piece of luggage. “Show me that people still care.”
Anzaldo drove Laurer into Manhattan, where she was mobbed by autograph-seekers as she passed through Times Square. A few days later, fans at the College World Series in Omaha, Nebraska, chanted her name—Chy-na! Chy-na!—as she took her seat behind the first-base dugout.
When Laurer arrived at Planet Hollywood in Las Vegas for a celebrity poker tournament to raise money for cystic fibrosis, one of the benefactors—a young man confined to a scooter—was so moved by her presence that he burst into tears.
“She needed that feeling of acceptance again,” Anzaldo says. “She hadn’t set foot in a ring in 15 years, and she was more famous than ever.”
As happy as they were to see her back in the United States, Laurer’s friends and former colleagues worried she may be embarking on too much, too quickly. They feared she’d be overwhelmed by the documentary, the constant travel for signings and the campaign for the WWE Hall of Fame.
Laurer attends the Chiller Theatre Expo, October 2015 (Photo by Bobby Bank/Getty Images)
Blais, who had reconnected with Laurer, says she was “trying to find the magic again.” Mick Foley sensed it, too, as they ate dinner and watched WWE on pay-per-view at his home in Long Island, New York.
“It’s something a lot of wrestlers encounter once their career is over,” he says. “It’s an identity issue. You don’t know what to do next. You try to find ways to make an impact in other areas the same way you did in the ring, but it’s difficult. It’s an incredible feeling that you can’t replace.”
Starting with an interview on the Opie and Anthony radio show just days after her return from Japan, Laurer began lashing out at the WWE to anyone who would listen, spreading the narrative once again that the company had released her back in 2001.
A few weeks later, with Anzaldo’s camera rolling, Laurer showed up at the organization’s corporate office in Stamford, Connecticut, to inquire about money she felt it owed her. They didn’t make it past the receptionist’s desk before security guards escorted them out.
“There were times when we thought she had put it past her,” Anzaldo says, “but she kept reverting back to it. She blamed the WWE for a lot of stuff.”
Laurer still had her encouraging moments.
During stretches of sobriety, she routinely left flowers on her landlord’s doorstep, and she loved interacting with her followers on social media. When a fan at an autograph show noticed the scars on her arms and revealed that he, too, was a cutter, Laurer gave him her phone number, encouraging him to call if he ever needed to talk.
At the August 2015 funeral for “Rowdy” Roddy Piper, Laurer came face-to-face with Levesque for the first time since her departure from the WWE. Earlier in the year, on a podcast, Levesque had suggested that Laurer’s appearances in porn films may keep her out of the Hall of Fame. Still, Laurer wrapped her arms around her ex-boyfriend and hugged him tightly.
“I’m so sorry all of this has happened,” she whispered.
“It’s something a lot of wrestlers encounter once their career is over: It’s an identity issue. You don’t know what to do next.”
Laurer recommitted herself to fitness, drinking smoothies and protein shakes multiple times a day while stocking her pantry with vitamins. Muscle-toning classes at Cardio Barre and stretching sessions at Hot Yoga became regular staples. As cameras rolled for E!’s plastic surgery reality show Botched, Laurer had scars on her breasts and her waist removed for good.
“I have all of these appearances coming up,” her yoga instructor, Kimberly Shrednick, remembers Laurer saying. “I know I can’t look exactly like I did, but I still want to look like me. I still want to look like Chyna.”
Yet as motivated as Laurer often appeared, her life continued to resemble a ladder match for a WWE title belt: Each time she neared the top of the steps and reached for the reward dangling above, her addictions—to fame, to drugs, to darkness—sent Chyna tumbling back down.
“She was a binger,” Anzaldo said. “She’d go months without touching drugs and alcohol and then go crazy on it for nine to 10 days. It was one extreme or the other.”
It wasn’t uncommon for Laurer to take multiple doses of Valium and Ambien each day, often chasing them with a $9 bottle of wine called Barefoot Bubbly.
Even though he hadn’t seen Laurer in more than a decade, Waltman continued to hear stories of her drunken episodes from friends. He said he contacted the WWE, and the company agreed to provide the funding for Laurer to enter a rehabilitation facility. But Laurer, through intermediaries, refused the help, Waltman says.
The email from her manager to Pinsky came after Laurer was found unconscious in front of her apartment in November 2015, resulting in her arrest for public intoxication. Laurer, who had nearly $20,000 in her purse from an autograph signing the previous weekend, told police she’d been unable to find her keys.
This March, Anzaldo says Canadian border agents in Windsor, Ontario, ordered him and Laurer out of his car when she was noticeably inebriated as the two attempted to cross into the country from Detroit.
Back home, members of Laurer’s social media team routinely removed drunken rants from YouTube and Twitter.
“I checked the internet every day just to see if Joanie was alive,” her sister says.
She wouldn’t be for much longer.
Anzaldo had spent months trying to convince Laurer to rekindle her relationship with her mother, Janet, who lives in Hendersonville, North Carolina. The two had already been emailing, and they eventually agreed to meet in Charlotte while Laurer was in town for an autograph show in March.
But just before they were scheduled to reunite, Anzaldo says Laurer became intoxicated and sent Janet a long, offensive email—“spewing,” her manager called it.
Rattled by the message, Janet called Anzaldo on a Friday afternoon and backed out of the meeting.
Laurer was irate. She tipped a maid to sneak bottles of wine to her room at the Sheraton and spent the night drinking in the hotel, causing her to be an hour late for her signing the next day. Anzaldo passed her Altoids under the autograph table, hoping to mask her condition from fans. Laurer refused to speak to him that Saturday, and they sat apart on the flight home to Los Angeles the following morning.
Five days later, Laurer no-showed an autograph signing in Dallas before WrestleMania 32, a decision Anzaldo says cost her $25,000. Laurer claimed she backed out because Vince McMahon and Waltman planned to have her arrested as soon as she walked off the runway at DFW Airport.
On the morning of Sunday, April 17—in what would mark her final form of communication—Laurer posted a 13-minute, six-second video on YouTube that has now been viewed more than two million times.
A feather dangling from her hair, Laurer guzzled an orange energy drink, a glass of water and a spinach smoothie.
She rambled about a health food delivery business she hoped to start and then stepped onto her balcony, where she complained about the whistles and catcalls she often heard from construction workers.
“I’m just kidding,” she said. “I love it.”
Laurer gazed toward the beach across the street, where surfers rode waves in the Pacific.
“It looks like it’s going to be a gorgeous day out there,” she said. “How lucky am I?”
Unbeknownst to Laurer, friends had planned to confront her that week about her substance abuse on the TV show Intervention. But when a cameraman called her on Monday, she didn’t answer the phone. Voicemails and texts the next day weren’t returned, and there were no posts from @ChynaJoanLaurer on social media.
Concerned, Anzaldo drove to Laurer’s apartment on Avenue B and Esplanade around 3:30 p.m. that Wednesday, sneaking past her security gate with the mailman after her landlord refused to buzz him in. Stepping off the elevator onto the fourth floor, Anzaldo approached apartment 407 and knocked on the door.
No answer. He rang the bell. Nothing.
If the door is unlocked, he thought to himself, it means she’s home.
His cellphone camera focused on his hand, Anzaldo reached for the knob, twisted it and stepped into the entryway. Immediately, he noticed an odor.
“It was the smell of death,” Anzaldo says.
He walked past the bathroom and kitchen into the den. Turning to his left, the manager looked through the open doorway of the bedroom. Lying on her right side and tucked neatly under a white down comforter, Laurer appeared to be sleeping peacefully.
Anzaldo could see the top of her forehead, but a pillow obstructed the view of her face. He lifted it away.
“There was no vomit, no blood,” Anzaldo says. “Her eyes were open. She was staring straight ahead.”
Two pill bottles rested on a nightstand next to Laurer’s bed. Although toxicology reports have yet to be released, Anzaldo believes an accidental overdose of Valium and Ambien caused Laurer’s death. It was not, he insists, a suicide.
“She didn’t want to die,” Anzaldo says.
TMZ cameras captured Laurer’s body as it was wheeled toward an ambulance. Anzaldo contacted her family members and close friends, then posted the news on Laurer’s official website, TheRealChyna.com.
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