Commercial banking

Justin Pulgrano, CPA, is the senior vice president of strategic growth at Crunchafi, with a 15+-year career spanning Big Four audit, transaction advisory and technology leadership. Pulgrano helps CPA firms harness technology to simplify complex workflows and free up more time for insight and client impact.

Bespoke securitizations have been gaining in popularity as private fund managers look for ways to raise cash amid a slump in dealmaking and fundraising.

Matt Scully is a reporter based in New York. He covers large banks and reports on complex financial topics, often related to the post-crisis recovery of consumer and mortgage credit. He tweets news often @scullymb.

Coupons range from 4.17% on the A1 notes, rated P1/A1+ by Moody's and Fitch Ratings, respectively, to 5.38% on the class N notes, which S&P rates BB.

The average return on investment for flipped homes was 25.1% in the second quarter this year, the lowest point since the second quarter of 2008.

Sathiya Livingston is an insurance operations & digital transformation specialist with over 12 years of experience helping U.S. carriers optimize claims, underwriting, and policy servicing. He works with mid-market insurers to design process improvements that blend automation, analytics, and strategic partnerships for sustainable growth. Contact him at sathiya.l@flatworldsolutions.com.

The U.S. Department of Justice declined prosecution after BofA Securities self-reported the violations and fixed major compliance gaps.

Troy Stang is the president and CEO of GoWest Credit Union Association.

Dr. Andrada Pacheco is EVP and Chief Data Scientist at VantageScore

Banks are bracing for hundreds of millions of dollars in losses, while investors who piled into asset-backed bonds sold by the company as recently as June have seen the prices of their securities plunge.

Notes are anticipated to repay in October 2032, with a final maturity date of December 2055.

Intermediary automation has increased the immediate availability of product, pricing and eligibility information to both sides of the mortgage business.

Loans for hotels and motels, except those that have casinos, account for 19.43% of the pool balance, the largest portion.

Pradip Patiath is a senior partner in McKinsey & Company's Miami office.

President Donald Trump asked the Supreme Court to reverse a lower court ruling allowing Federal Reserve Gov. Lisa Cook to remain in office pending the outcome of her lawsuit challenging Trump's move to fire her late last month.

Dan Himmerich is an Insurance Consulting Partner at Kyndryl, where he leverages expertise in P&L management, lead qualification, and financial literacy to bridge the gap between business and technology for insurance clients. Previously, he served as Strategic Markets Business Development Leader at Kyndryl, leading initiatives across more than 30 countries, and today he focuses on advancing the success of the firm's U.S. insurance customers.