Michael Berman is the founder and CEO of Ncontracts and president of QuestSoft. His extensive background in legal and regulatory matters has afforded him unique insights into solving operational risk management challenges and drives Ncontracts’ mission to efficiently and effectively manage operational risk.
During his legal career, Mr. Berman was involved in numerous regulatory, compliance, and contract management challenges and assisted in the development of information systems to better manage these efforts.
Prior to founding Ncontracts, he was General Counsel for Goldleaf Financial Solutions, Tecniflex, Inc. and Imagic Corporation. Mr. Berman is a well-regarded speaker at financial institution conferences on risk management. He received his undergraduate degree from Cornell University and holds a J.D. degree from the University of Tennessee.
Founder and General Manager
Leonard Ryan is the founder and general manager of QuestSoft. He has been associated with the mortgage industry for over 30 years and, for the past 24 years, being a major compliance software leader. He is a frequent speaker at mortgage software and regulatory compliance conferences.
Mr. Ryan has been named twice to Mortgage Professional America’s Hot 100 list of Mortgage superstars (2018 & 2016). In January 2017, he received a Vanguard Award from HousingWire Magazine. He also is recognized as a MBA Tech All-Star for his visionary work in the area of mortgage and lending compliance.
QuestSoft serves over 2,600 banks, credit unions and mortgage lenders for a variety of regulatory mandates including HMDA, CRA, Fair Lending, CFPB regulations, state and local regulations, income verification and other needed regulatory requirements.
Vice President, Training and Support
Carey Aimone manages the support and multi-media training for more than 2,600 QuestSoft customers nationwide. His forward-thinking support approach and forty years of financial services and training background, position QuestSoft at the forefront of the industry. Carey has served in key roles in the financial services arena since 1981. Before joining QuestSoft in 2004, he held leadership positions for 13 years at Harland Financial Solutions (Finastra), helping the company grow from 50 employees to over 5,000. He has trained financial institutions in all 50 states on regulatory compliance and lectured nationwide on financial industry legislation and changing trends.
Carey is a frequent webinar panelist and has authored several important articles on compliance and training methodology. He is a member of the American Society of Training and Development.
Sr. Vice President, Business Development
Steve Butler leads business development for QuestSoft’s Compliance EAGLE®, the industry-leading, comprehensive compliance review solution for mortgage lenders of all sizes. His deep lending and mortgage experience are invaluable to clients when consulting and designing the services suite to meet their specific needs.
Butler is a financial industry veteran with more than 30 years of mortgage and financial services industry expertise, including more than 25 years in leading roles with financial institutions.
Vice President, Operations
Julie Ferraro oversees QuestSoft’s operations including billing and payables, payroll, human resources and overall operations for the 4506-C department. Her broad operations skill sets and mortgage lending experience provide the solid foundation for managing smooth, efficient daily operations.
Julie has been involved in the mortgage industry for more than 20 years and with QuestSoft since 2007.
Prior to joining QuestSoft, she served as a senior underwriter and account manager as well as in several processing positions for mortgage companies based in the Orange County, CA area.
Sr. Vice President, Lending Compliance
Loretta is Senior Vice President of Lending Compliance for QuestSoft, with responsibility for oversight of the company’s compliance program including HMDA, CRA, and fair lending.
For more than three decades, Loretta has been helping institutions navigate the constantly changing fair lending and compliance landscape. She is a regulatory compliance and risk management executive with experience in both the lending and regulatory worlds. Her most significant areas of focus include compliance management system and program development, risk assessments, data quality management, process mapping, and staff training. Her knowledge of regulations, operations, and technology throughout the financial services industry provide an integrated perspective in the design and development of QuestSoft’s products.
Sr. Vice President, Product Development & Technology
Bhavin leads QuestSoft’s product development, enhancements, technology infrastructure and data security. He continues to be pivotal in advancing QuestSoft's products and technology to meet customer needs and stay ahead of the ever-changing financial regulations.
Bhavin joined QuestSoft in 2007, enjoying the challenge of developing integrations with more than 40 loan origination systems enabling efficient and effective data exchange and automated, system-to-system communication. Prior to QuestSoft, Bhavin worked as a Software Engineer for Acoustic Home Loans, SmartMedia and Steadfast Engineering. A graduate of the University of Southern California, he has a Bachelor's of Science in Computer Engineering and Computer Science with a minor in Mathematics.