Meet the Team

JoyJoy Gilpin, VP, Mortgage Learning and Compliance

Joy K Gilpin holds the position of Vice President, Mortgage Learning and Compliance at Indecomm Global Services. Her role requires a keen understanding of the lending process, regulatory oversight, and risk mitigation. Prior to joining Indecomm, Joy was Director of Business Writing and Education for Ellie Mae, supporting the AllRegs product offering. She built the Business Writing team and has a long history of advocating for compliance and efficiency in the mortgage lending space. With nearly 20 years of professional expertise in the lending space, she provides great insight and understanding of the challenges lenders today face today and brings a tremendous energy and enthusiasm to the table, making her a highly effective educator and leader.

Joy has created policy and educational content to support highly efficient underwriting practices that are compliant with regulations. She spent over five years working with a wide swath of industry professionals creating and implementing tools that support regulatory oversight while helping practitioners.

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2101_denice-webfileDenise Kowalski – Compliance Analyst

Denise most recently joined the Indecomm Mortgage U team in September 2015 and is responsible for regulatory and state disclosure compliance for the mortgage division. Previously, Denise had been with Wetzel Trott since July 1988 as the Director of Compliance and Underwriting. She has been in residential mortgage related fields since 1973.

Denise started in the business as a real estate secretary. After several years, she was asked to join a title company where she started as a closing processor before being promoted to an in-office title closer. She was recruited a few years later by a mortgage company to work in their closing department. Over the next 10 years, Denise advanced in the mortgage industry from closing to processing to underwriting, holding management positions along the way. Her diverse background was a perfect match for the switch to origination quality control. Her attention to detail, expertise in agency and regulatory guidelines, along with her many years of experience, resulted in the progression of her roles within the mortgage industry.

For over 25 years Denise has been dedicated to the interpretation of mortgage related agency and regulatory guidelines and state disclosure requirements. She has guided lenders across the country through the maze of regulations. She has created internal procedures covering everything from origination to servicing. She is a trusted advisor to many compliance officers and underwriting managers. At Indecomm, Denise’s responsibilities also include coordinating corporate compliance policies, consultation support for various engagements and Health Check customers and providing research and support for compliance related services provided by Indecomm. Denise is a member of the Risk and Compliance Committees for the Michigan Mortgage Lenders Association and has been a longstanding member of the Mortgage Bankers Association.

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