We Exist to Predict and Improve Loan Performance

We’ve brought together a team of mortgage experts, data scientists, and loan analysts to build a solution that will improve the accuracy and efficiency of predictive analytics, while enabling better loan decisions on investments and servicing surveillance.

Lester Firstenberger,
Chief Executive Officer

Lester is recognized nationally as a regulatory attorney  in consumer finance, securitization, mortgage, and banking law. Over the past 30 years as an attorney, Lester has represented the interests of numerous financial institutions in transactions valued in excess of one trillion dollars.

He has founded several technology companies, including RegsData, Regs Tech, and FortifID, as well as Veptas, and AiCurio. He was appointed to, and served a three-year term as a member of the Consumer Advisory Council of the Board of Governors of the Federal Reserve System. He has extensive governmental relations experience in the US and Canada at both the federal, state and provincial levels.

Click here to view an interview with Lester

Christopher L. Kelly,
Chief Operating Officer & Chief Revenue Officer

Chris is a Senior Financial Services Executive that has specialized in mortgage banking for over 35 years. During his career Chris has acquired experience in effectively all aspects of the residential mortgage banking business. He started his career as an accountant and worked his way up through various positions. Chris has been successful in starting new divisions and growing existing platforms and companies in both sales and operations.

Chris has served as the President & CEO of a HUD/Ginnie Mae Multifamily and Healthcare lender and previously was the Chief Operating Officer of a top-ten residential mortgage lender. Chris has served on the Boards of four institutions.

Chris is the Vice President of the Board of Directors of The Clinic, a Nonprofit Medical Clinic for the uninsured, and a former Member of the Affordable Housing Council of Phoenixville, PA. Chris holds a B.S.B.A. in Accounting from Shippensburg University.

Mike Biddle,
Chief Data Scientist

Mike has more than 20 years of experience in mortgage analyses, banking, and asset management. Widely known in the industry as a data and analytics expert, Mike has served as Director, Analytical Technology and Quantitative Analysis for MorningStar Structured Ratings; VP, Mortgage Analytics for Hudson Advisors and Provident Consumer Financial Services; and Chief Risk Officer for LongPoint Asset Management and Aegis Mortgage

Early in his career, Mike was an actuary in the life insurance industry. Mike holds a B.S. in Finance; B.S. Economics; MBA with a concentration in Finance and a Doctoral Dissertation in Econometrics.

Todd Morgan,
Chief Technology Officer

Todd Morgan joined AiCurio in 2019 as the CTO after owning and operating an independent software consulting firm.  Todd has been working in technology for over 20 years, with a focus on financial services for the past 15 years. 

Prior to joining AiCurio, Todd co-founded a FinTech startup known as Claren Financial Services, serving as CTO and Chief Architect.  Prior, he was a consultant for companies like RR Donnelley to automate their financial software product offerings, creating increased efficiency and profitability, and paving the way to contracts with government agencies including Fannie Mae and Freddie Mac.

Bob Penland,
SVP, Sales

Bob is a financial services executive with over 40 years’ experience in mortgage originations, servicing, compliance, and international consulting.  Bob has held senior level positions with firms including Associates Financial Services, Countrywide Home Loans, Fremont Investment and Loans, and ALLSEC Technology. 

Bob is a proud Veteran of the U.S. Army’s 101st Airborne Division and a strong supporter of Hope Farm which focuses on at risk youth in Fort Worth, Texas.

Tony Meola,
Board Member & Senior Advisor

Tony is a business leader with over 30 years of experience guiding prominent financial services companies in the areas of business strategy transformation, turn-around operations, and  organizational growth. Throughout his career as a banking executive, Tony has held a variety of key leadership roles and demonstrated core strengths in the areas of organizational restructuring, mortgage servicing and operations, P&L leadership, risk management, product strategy, constituency management, leadership development, and corporate governance.