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About Us Charles Irsch, Partner Charles is a Partner responsible for MLinc's ComplyMSA services. He is the founder of 10point2 Consulting, a strategic practice which specializes in the alignment of information systems and technology with business performance metrics. Previously, Charles spent 10 years as Vice President, Information Systems and Chief Information Officer for Centex Homes, a $12 Billion real estate development and home building construction company with operations in the US and UK. At Centex Homes, he developed an award-winning IT/IS team recognized as a business technology leader in the industry, and was responsible for the development and leadership of the Company's retail strategies. Charles also has over 12 years experience as a systems and technology consultant, including 4 years with Andersen Consulting (now Accenture), and 8 years as principal/co-owner of Integrated Services, Inc., a successful technology consulting firm. He has worked with advertising, public relations and media businesses, including print and radio, and has experience in marketing, merchandising and direct sales. Charles has a BFA and MBA, with emphasis on Marketing, from Southern Methodist University. Joseph J. LaBate, Partner Joseph J. LaBate is a Partner responsible for helping MLinc clients with Best Execution services. He founded Midwest Mortgage Analytics ("MMA"), a boutique secondary marketing consulting company, after working for Wells Fargo, US Bank and others for over 20 years. Joseph has been involved in pricing, execution analysis, and risk management since his early days employed at the Chicago Board of Trade. Joseph has been instrumental in building risk management and hedging structures for secondary marketing divisions at major banks while insuring risk mitigation during some of the most volatile rate periods over the last two decades. The last senior corporate position held was with Wells Fargo where he oversaw the economics of pricing in both the mortgage wholesale and correspondent channels. In the two years proceeding the founding of MMA, Joe provided secondary marketing expertise for various risk management and consulting companies. It was from these experiences Joseph concluded there are higher levels of customer service to be provided and more user friendly technological approaches to delivering risk management services - all with a Client first approach. Penny A. Paplanus, CMB, Partner Penny A. Paplanus is a Partner responsible for providing Proactive Compliance solutions to MLinc's clients. Ms. Paplanus has worked in the mortgage and banking industry for over 25 years. She has extensive background in all areas of loan production and has held senior management positions in Operations, Credit Administration, Business Development, Internal Audit and Compliance. Penny has designed several compliance based manuals and co-wrote Basics of Quality Control which is sold by the Mortgage Bankers Association. She earned her Certified Mortgage Banker (CMB) designation in 2004. She has done significant work in the areas of Predatory Lending, Privacy, and Quality Control. She has taught at the American School of Mortgage Banking, the Association of Professional Mortgage Women and has serrved on the Advisory Board of the University of California, Northridge, and Mortgage Certification Program and is a frequent speaker for MBA and CMBA. She is Vice Chairman of the MBA Legal Issues and Regulatory Compliance Committee and serves on the MBA Steering Committees for Loan Administration, Quality Assurance and Fraud and Ethics.
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