Michele BUSCHMAN

Chief Information Officer
American Pacific Mortgage

• • •

What inspired you to pursue a career in technology, and how have your experiences shaped your path?

My career journey took an unexpected turn early on. With a degree in biology and aspirations of becoming a teacher, I began as a junior document drawer at a mortgage company, starting my career in mortgage finance. Everything changed when I joined IMX Exchange, a dot-com company, and was introduced to the development of a groundbreaking product, pricing, and locking engine. I used the software to price mortgage loans, but it had flaws. I started collaborating with the inventor and development team, discovering I had a knack for visualizing solutions. When the software was upgraded with my ideas, it was incredibly empowering. This experience sparked my passion for technology, shaping my career and igniting my drive to create innovative solutions.

How have you navigated challenges unique to being a woman in the tech industry?

Navigating the tech industry as a woman has presented unique challenges, particularly being one of the few women at the table in a male-dominated field. To overcome this, I focused on building confidence in my knowledge, skills, and talents, ensuring I didn’t feel intimidated. It was important for me to remain authentic and trust in my abilities. I’ve been fortunate to have had several male mentors who took me under their wing, offering guidance and support. Their belief in me helped solidify my confidence and empowered me to contribute meaningfully to various organizations. These experiences have shaped my approach to overcoming challenges and continue to inspire me to pave the way for other women in tech. What’s been exciting over the last several years is that I am now seeing more and more women in the field and at leadership levels! But we still need to encourage more young women into the technology field.

What are your thoughts on the future of technology and the opportunities it presents for women in the field?

The future of technology is incredibly exciting, and the opportunities for women in the field are limitless! I’ve always believed that with time and resources, anything is possible through technology. Women have a unique advantage in tech, as we’re natural problem solvers and bring diverse perspectives to the table. There are countless areas where women can thrive, from AI to automation. One area I’m particularly excited about is generative AI, which is revolutionizing productivity and streamlining processes. In document-heavy industries, AI’s ability to understand context at a deeper level is breaking through limitations that once held us back. This presents immense opportunities for women to contribute, innovate, and lead the way in shaping the future of tech. The sky truly is the limit!

Jen DOMINICZAK

VP, Technology Operations
Xactus

• • •

What personal values or principles guide you in your work and decision-making?

In my work and decision-making, I take a risk-averse approach, carefully evaluating potential outcomes before moving forward. I always consider key factors such as impact, risk, and overall implications for the company. Rather than making impulsive choices, I prefer to ask for permission and ensure alignment with company policies and objectives. I weigh the potential effects on the business, including the size of the customer and the broader organizational impact. By prioritizing thoughtful analysis and accountability, I strive to make decisions that minimize risk while supporting the company’s long-term success and integrity.

How have you navigated challenges unique to being a woman in the tech industry?

Throughout my career, I have been a passionate advocate for advancing women in the workplace, particularly within the mortgage and technology industries — both of which continue to face significant gender disparities. Recognizing the challenges that women often encounter in these fields, I have made it a personal and professional priority to support, mentor, and empower female colleagues.

One of the most rewarding experiences in this journey has been mentoring a talented female team member, guiding her through key professional milestones, and providing the encouragement and strategic insights that contributed to her growth. Seeing her develop the confidence and skills needed to take on new responsibilities and ultimately earn a well-deserved promotion was incredibly fulfilling.

Beyond one-on-one mentorship, I actively engage in broader initiatives that promote gender equity. I regularly participate in women’s leadership conferences, panel discussions, and industry webinars, where I share insights, learn from other thought leaders, and advocate for policies that support women’s professional advancement. Through these efforts, I strive to create opportunities, remove barriers, and cultivate an inclusive workplace culture where women not only succeed but also feel empowered to lead and shape the future of their industries.

What are your thoughts on the future of technology and the opportunities it presents for women in the field?

The future of technology is promising, especially for women in the field. I’ve already seen a significant increase in female representation, which is exciting compared to when I first started. More women are not only entering the tech industry, but also securing valuable leadership roles, a shift that wasn’t as common before. Opportunities continue to grow as companies embrace diversity in hiring. During my mentoring program at Northwestern University, I noticed an equal number of women and men in the data science program, reflecting this progress. The industry is moving in the right direction, creating more opportunities for everyone.

Nichole ENOCH

VP of Customer Success
Jaro

• • •

What inspired you to pursue a career in technology, and how have your experiences shaped your path?

My family. My Dad was an owner in a technology company and naturally when the need for me arose to pursue a career, I went back to those roots. I’ve had incredible opportunities to work with amazing and smart people as investors, clients, and colleagues. The saying to surround yourself with people smarter than you has been very true for me and has always driven me to be better and learn.

How have you navigated challenges unique to being a woman in the tech industry

Early on in my career I didn’t think there was any type of prejudice. It wasn’t until I was promoted to do a role for half the pay of the man doing it before me that it became so in my face. I think it’s good to recognize there are men and women who want you to be successful and will make sure you have those opportunities. I also think it’s important to recognize your worth and put yourself in environments that will help you grow and for your voice to be heard. Don’t waste time where you aren’t supported.

What personal values or principles guide you in your work and decision-making?

Be honest, your words are your bond.

The smartest person in the room isn’t always the loudest. You learn more if you listen and then form a response.

Don’t let emotions drive decisions. If you think you are right, stand by it, but more can be solved when you seek to understand.

Loyalty doesn’t mean you have to agree. You can show your respect when there are differences of opinion, however, and understand other points of view.

We have more in common than what divides us. You go a lot further when you understand that people have good intentions and are fighting for the same things.

Data tells a story, but your gut is the missing context. Just like AI can’t tell that a picture of rust isn’t rust, our brain picks up so many things subconsciously. Don’t underestimate the value of that context and dig deeper when your gut is telling you something.

Lori JOHNSON

COO
DocMagic, Inc.

• • •

How have you navigated challenges unique to being a woman in the tech industry?

One of the ongoing challenges I see for women entering the mortgage technology space is access to mentorship. Having trusted mentors who are genuinely invested in a young woman’s career growth is invaluable. I cannot stress enough the importance of seeking out mentors who can provide guidance, advocate for opportunities, and help navigate the complexities of both the mortgage industry and the broader fintech ecosystem.

How do you stay up-to-date with the latest advancements and trends in the tech industry?

Staying current with tech trends comes naturally in my role. Overseeing operations at an innovative mortgage technology firm means I’m surrounded by software architects, developers, engineers, and technologists. With this daily exposure, osmosis kicks in and I’m up to speed whether I like it or not!

At DocMagic, I have held hands-on, tech-centric positions. As Director of Client Services, I was responsible for onboarding lenders to DocMagic’s Total eClose platform. This gave me firsthand experience with lender technology stacks, third-party integrations, and ever-evolving digital mortgage solutions.

Now as COO, my responsibilities span all functional areas of the business. While I’m comfortable in this C-level role, it requires a broader, strategic perspective to ensure operational efficiency, foster innovation, and maintain our company’s leadership in a fast-paced and dynamic industry. Staying ahead of technological advancements isn’t just a priority — it’s a necessity to drive growth and deliver the best solutions to our clients.

What are your thoughts on the future of technology and the opportunities it presents for women in the field?

Change is the only constant in technology. The digital mortgage ecosystem is still growing and building value for the mortgage supply chain. This rapidly evolving landscape creates endless opportunities for women to contribute, innovate, and lead.

As technology reshapes the mortgage industry, there is a growing need for diverse perspectives to drive progress. Women bring unique problem-solving approaches and leadership styles that are critical to shaping the future of mortgage fintech. My advice to women entering the field is to embrace challenges, take risks, and not be afraid to fail — because that’s where the greatest learning happens. Be confident in your abilities, roll up your sleeves, and dive in.

I’m grateful to be in a position to mentor the next generation of women in mortgage fintech, helping them navigate their careers and step into leadership roles that will shape the industry’s future. 

Janelle LINDSETH

Director of Product Strategy
Docutech, a First American Company

• • •

What inspired you to pursue a career in technology, and how have your experiences shaped your path?

I began my career in the mortgage industry by chance and quickly recognized the potential for tech-driven change when I realized many operational tasks were redundant and time intensive. I quickly took interest in using technology to streamline processes and automate tasks wherever possible.

A pivotal moment came when I traveled to India for Bank of America when my son was one year old. This trip not only broadened my horizons but helped me build lasting professional relationships, including with a mentor who has supported me for more than 22 years.

Having close mentors is not just a privilege, it’s vital for women to break barriers, navigate challenges, and accelerate their growth in the technology industry. My relationship with my mentors, along with my dedication to advocating for other women in the workforce, have helped bridge the gap between technology and practical, on-the-ground needs.

What personal values or principles guide you in your work and decision-making?

My motto is: Don’t be afraid to fail, but fail fast if something isn’t working. I believe in using data to guide decision-making and measure success. I constantly challenge myself to think outside the box and approach challenges in new ways.

How have you navigated challenges unique to being a woman in the tech industry?

I lead with emotional intelligence, which has helped me navigate the challenges that come with being a woman in the tech industry. I believe women offer a distinct perspective to workplace challenges and solutions, which can be particularly valuable in a predominantly male-dominated field.

I’m a strong advocate for women in the mortgage technology industry, and I dedicate time and effort to networking, professional development and outreach, and community involvement. I regularly attend mortgage industry conferences for women, both online and in person, and participate in networking and growth opportunities through virtual events.

Beyond my work, I’m dedicated to advocating for women in the workforce and am actively involved in online groups supporting moms of military members — my son is on active duty with the U.S. Air Force.

Heather LOVIER

Chief Operating Officer
Rocket

• • •

What personal values or principles guide you in your work and decision-making?

My leadership is built on four key principles: Care, Accountability, Visibility, and Support.

I believe that strong leadership starts with genuinely caring for people — team members, clients, and the communities we serve.

Accountability is essential; I take ownership of my decisions and ensure that my team operates with integrity. Visibility matters, too — transparency in communication builds trust and alignment.

Support is at the heart of my approach. Whether it’s guiding my team through challenges or ensuring clients feel heard and valued, I prioritize creating an environment where people can thrive.

At its core, my leadership philosophy is to lead from the heart and make a meaningful impact.

How do you stay up-to-date with the latest advancements and trends in the tech industry?

As a leader in finance and tech, staying ahead of industry advancements is essential. I prioritize continuous learning through a mix of industry reports, thought leadership, and networking. I actively engage with emerging technology by collaborating with experts and leveraging insights from our teams working on AI and automation. Additionally, I make it a point to mentor and connect with other women in tech, ensuring diverse perspectives shape my approach to innovation.

How have you navigated challenges unique to being a woman in the tech industry?

Navigating the tech industry as a woman comes with unique challenges. I’ve encountered moments where I had to push beyond expectations and prove that my insights, skills, and leadership were just as valuable as anyone else’s. Rather than letting these challenges discourage me, I’ve used them as fuel to lead with confidence and authenticity.

Mentorship has played a crucial role in my journey. I’ve had incredible mentors who encouraged me to take risks, embrace challenges and trust my instincts. These experiences have shaped my leadership approach — I actively mentor and advocate for women in technology, encouraging them to step outside their comfort zones and pursue growth opportunities.

At Rocket, I’m committed to fostering an environment where diverse perspectives are not only welcomed but celebrated. Technology evolves rapidly, and we need strong, diverse leaders to drive innovation. My goal is to continue empowering women by ensuring they have the support, visibility and opportunities to lead and succeed. True progress happens when we lift each other up, and I take pride in contributing to a workplace that values both innovation and inclusivity.

Julie MAY

B2B Scores Vice President and General Manager
FICO

• • •

Written from nomination using chat GPT

How have you driven Innovation in Mortgage Technology?

As Vice President and General Manager of FICO B2B Scores, I have had the privilege of leading innovation in mortgage technology. I oversee global strategy, product development, and operations for the FICO® Score, which is used by 90% of top U.S. lenders and available in over 40 countries. With a career spanning sales, consulting, and product management, I have developed deep expertise in advanced analytics, fraud management, and strategic partnerships.

In 2024, I led the adoption of FICO® Score 10 T, the industry’s most predictive credit score, helping lenders increase loan approvals while managing risk. Under my leadership, 20 early adopters implemented the model, representing $244.2 billion in originations and an eligible servicing portfolio of $1.33 trillion. I have been a strong advocate for the use of trended data analytics to improve credit decisioning, benefiting both lenders and borrowers.

How have you championed Women in Mortgage Technology?

I am deeply committed to supporting and advocating for women in mortgage technology. Under my leadership, the FICO Mortgage and Capital Services team has grown to ten members, six of whom are women. Through mentorship, I have helped team members achieve notable successes, with two earning prestigious industry awards. I also actively support professional development by participating in MBA’s MPower events and Women in Securitization initiatives.

As a former Executive Sponsor of Women @ FICO, I have championed programs that empower women in tech. I have shared my insights through SheCanCode and led discussions at FICO® World, reinforcing my commitment to equity in lending. My goal has always been to create opportunities for women to grow and lead in this industry. 

Vadivarasi MUTHIAH

VP Engineering
Sagent

• • •

What inspired you to pursue a career in technology, and how have your experiences shaped your path?

It’s my passion which made me choose this career. Evolving technology is enabling me to learn new things daily while nurturing my curiosity.

I strongly believe that when you look back, it’s not your success but your actions that determine your value. I have learned key principles from great leaders while a few have shown me what to avoid in my career. An example of the former: I am currently trying to apply reinforcement learning to optimize my decision making.

How have you navigated challenges unique to being a woman in the tech industry?

Any social inequality often manifests through both conscious and unconscious bias, creating barriers to progress. Every woman has to remind herself that she’s not running for her alone, but for the upcoming generations too. Also, the fight must begin from within. Self reflection, adaptability and resilience are the key strengths that empower me to overcome challenges. Swiftly analyzing situations then implementing and embracing the ensuing changes has always helped me to keep moving forward.

What are your thoughts on the future of technology and the opportunities it presents for women in the field?

We are at a pivotal moment where AI is set to transform the way we work. While some existing roles may diminish, opportunities will increase for evolving positions like AI Product Manager, Ethics Specialist, and Cybersecurity Analyst. These roles will demand a blend of tech expertise, critical thinking, creativity, and deep understanding of business processes for automation. Different perspectives are much needed to build AI with inclusivity, so the opportunities for women are going to increase. Also, organizations believe that gender diversity is very important to foster a culture of innovation, so it is essential to equip ourselves with the right skills to seize opportunities at the right time.

What personal values or principles guide you in your work and decision-making?

This question is very important because at the leadership level, our personal values play a key role in influencing our leadership style, which in turn impacts the culture of the team and the organization. Integrity and empathy are the key values that I consciously uphold in every decision I make. I believe these values help me to create a positive and meaningful impact in the team.

Anita PADILLA-FITZGERALD

Founder & CEO
MegaStar Financial Corp & Take 3 Technologies

• • •

How have you navigated challenges unique to being a woman in the tech industry?

Being a woman in both the mortgage and tech industries, I’ve often been underestimated. Early on, I learned that confidence, preparation, and expertise are the best ways to gain respect in any room. Rather than focusing on obstacles, I focused on results — proving the value of my technology and demonstrating how it solves real problems. I’ve also built a strong team and surrounded myself with people who share my vision and are committed to changing the industry.

How do you stay up-to-date with the latest advancements and trends in the tech industry?

I study every night, constantly researching advancements in AI, automation, and security to ensure our solutions remain cutting-edge. I listen to my users because their real-world experiences drive meaningful innovation. I enjoy collaborating with other tech companies to explore new possibilities and enhance our technology. Most importantly, I am the CEO and owner of an independent mortgage banker, responsible for my employees, buybacks, cost to produce, and growing my team. My role requires me to stay ahead of industry shifts — not just in technology, but in the broader mortgage landscape — to ensure long-term success and sustainability.

What are your thoughts on the future of technology and the opportunities it presents for women in the field?

The future of technology is rich with opportunity, especially as AI reshapes industries. In mortgage banking, AI should enhance — not replace — human expertise, helping seasoned professionals work smarter while equipping new mortgage bankers with the tools to succeed. I’m passionate about supporting independent mortgage bankers, especially young women advancing in both mortgage and tech.

Starting as a receptionist in 1999, I know the value of hard work, mentorship, and opportunity. I love fostering growth for those eager to learn but needing the right support. As more women step into leadership, technology will better reflect diverse perspectives, driving meaningful change. I encourage women to be bold, trust their knowledge, and actively shape the future of tech.

Rukhsana SATHE

VP, Software Engineering
Loandepot

• • •

What inspired you to pursue a career in technology, and how have your experiences shaped your path?

I’ve always been drawn to technology because of its power to solve problems, drive meaningful impact, and transform organizations. What excites me most is how it can improve experiences and enhance people’s quality of life. Early on, I realized my passion for problem-solving, which led me to pursue a degree in engineering and, eventually, a path in technology leadership.

How do you stay up-to-date with the latest advancements and trends in the tech industry?

For me, staying current means consciously investing time in upskilling and maintaining a continuous growth mindset. I keep up with quick updates through tech newsletters like TLDR, and when I want to deepen my expertise, I pursue formal training, certifications, or courses tailored to my interests. I also make it a priority to attend industry events, not just to stay informed, but to connect with like-minded professionals and gain a well-rounded perspective.

What personal values or principles guide you in your work and decision-making?

Openness and clarity are two values that strongly influence my leadership style. When making decisions, I prioritize having a clear understanding of the objectives and ensure that others do as well. I also strive to create an environment that fosters openness and welcomes diverse viewpoints. The best outcomes are achieved when the entire team feels heard and is aligned on your goals.

What are your thoughts on the future of technology and the opportunities it presents for women in the field?

I see plenty of opportunities, particularly for women in technology, as they bring a unique perspective that can truly enrich forward-looking organizations. In the last couple of years, AI has been a game-changer, especially in how it has democratized access to information. I believe this has opened the barrier to entry for STEM and technology-oriented careers, not just for women, but also for other groups that may not have previously had the tools and exposure that are now available to us.