Product & Platform Leadership

Frank Barilone

Product and platform leader at the intersection of AI governance, vendor strategy, and mortgage servicing: turning regulatory mandates into systems, contracts, and capital decisions across an $8B portfolio.

Lead Product Manager, VP Corporate Officer Rank · Wells Fargo Home Lending Servicing

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Frank Barilone
Differentiation

Three disciplines that rarely appear together.

Most platform leaders own one. The intersection — where a federal mandate, a vendor relationship, and a capital decision arrive in the same room — demands someone who can navigate all three. That's the role this background is built for.

AI Governance

From mandate to contract clause.

Formal MISMO FRAME AI working-group reviewer. Published contributor on AI accountability in mortgage vendor contracts. Founder of Barinhall, an AI governance advisory practice that built production regulatory-intelligence tooling for financial services clients.

  • MISMO FRAME Reviewer
  • HousingWire Contributor
  • Barinhall Founder
Vendor Strategy

From RFP to capital outcome.

Directed five enterprise-scale RFPs covering $35M+ in technology and managed-service spend. Led the vendor decisions and platform transitions that delivered $117M in annualized cost efficiencies — including a $17M vendor-decoupling program that replaced a core third-party platform.

  • $35M+ RFP Program
  • $117M Cost Efficiencies
  • 5 Enterprise Contracts
Mortgage Servicing Regtech

From regulation to system.

Twenty-plus years in mortgage servicing, from frontline operations to enterprise product strategy. Designed governance frameworks and KPI structures that translate federal regulatory mandates into operational controls, risk reporting, and capital decisions across an $8B portfolio.

  • $8B Portfolio
  • 20+ Years
  • Federal Compliance Frameworks
About

Background

Frank Barilone is a product and platform transformation leader with 20+ years in mortgage servicing, AI governance, and regulated technology environments. He leads product and vendor strategy for an $8B Home Lending Servicing portfolio at Wells Fargo, working at the intersection of three disciplines that rarely appear together: AI governance in production financial services, enterprise vendor strategy at scale, and the regulatory and operational mechanics of mortgage servicing. That combination defines where the industry's hardest decisions land — and where he's built his career.

His vendor and platform strategy work has delivered $117M in annualized cost efficiencies across a portfolio of RFPs, vendor decoupling programs, and platform modernization initiatives — including a confidential platform replacement that cut $17M in annual licensing and workflow costs. He has directed enterprise RFPs covering $35M+ in technology and managed-service spend, and built the governance frameworks and KPI structures that translate federal regulatory mandates into operational controls and capital decisions.

Frank holds an MBA from the University of Redlands, where he received the Whitehead Leadership Award and served as cohort president, a Certified ScrumMaster (CSM) credential, and a Google Generative AI Leader certification. He’s a regular contributor on AI governance and regulatory intelligence in financial services, and currently serves as a formal industry reviewer for MISMO’s FRAME AI working group.

Outside of work, Frank is based in Eastvale, California.

Career

Experience

January 2020 – Present
Remote, California

Lead Product Manager

VP, Corporate Officer Rank

Wells Fargo Consumer Lending

  • Own product roadmap and capital prioritization for an $8B servicing portfolio, with decision authority spanning platform investments, vendor contracts, and regulatory response — influencing outcomes across Product, Technology, Risk, Compliance, Finance, and Operations.
  • Lead vendor decoupling and platform modernization programs that have delivered $117M in annualized cost efficiencies, including a confidential platform replacement delivering $17M in annual savings through licensing reduction and workflow automation.
  • Direct enterprise RFP and vendor evaluation efforts covering $35M+ in technology and managed-service spend, incorporating financial modeling, risk scoring, regulatory alignment, and scalability analysis.
  • Define KPI frameworks covering adoption, cost-to-serve, operational risk, and service quality to guide executive and board-level decisions.
  • Design and implement AI and vendor governance frameworks — including formal contribution to MISMO FRAME AI standards — supporting compliance with heightened federal regulatory expectations.
2015 – 2020
San Bernardino (Hybrid), CA

Assistant Vice President, Senior Business Systems Consultant

Wells Fargo Servicing

  • Translated complex investor, operational, and regulatory requirements into technical product specifications for high-visibility servicing and preservation workflows.
  • Supported platform releases and SDLC execution for regulated servicing environments, improving release quality and operational stability.
  • Partnered with business, risk, and technology stakeholders to close process gaps and strengthen the end-to-end operator experience.
  • Advanced modernization efforts through process design, test readiness, and implementation support.
2011 – 2015
San Bernardino, CA

Operations Analyst

Wells Fargo Home Preservation

  • Developed data models, reporting frameworks, and portfolio performance analyses used by leadership to monitor operational health and prioritize interventions.
  • Produced structured insights informing resource allocation, performance management, and escalations across high-volume operations.
2008 – 2011
San Bernardino, CA

Team Lead / Supervisor

Wells Fargo Home Mortgage

  • Managed a team of 10–15 in high-volume mortgage collections and delinquency operations, ensuring service levels, productivity, and regulatory adherence.
  • Supervised queue management, escalations, quality oversight, and employee development while maintaining compliance with borrower-protection requirements.
Work

Selected Projects

Multi-Vendor Platform Modernization Strategy

Led a confidential multi-vendor modernization program covering platform replacement, vendor decoupling, and RFP strategy across an $8B servicing portfolio. The program delivered $117M in annualized cost efficiencies — including $17M from replacing a core third-party platform — while reducing vendor concentration risk and advancing modular, API-first capabilities.

Vendor StrategyProgram GovernanceFinancial ModelingExecutive Communication

Enterprise Vendor & RFP Leadership

Directed five enterprise-scale RFPs covering $35M+ in technology and managed-service spend, balancing financial return, scalability, operational resilience, and regulatory alignment.

Vendor GovernanceRFP LeadershipRisk ScoringCapital Prioritization

Regulatory Governance Framework Design

Designed governance frameworks integrating SLA oversight, operational risk controls, regulatory requirements, and executive KPI reporting in response to heightened federal regulatory expectations.

Regulatory ComplianceGovernance DesignKPI FrameworksExecutive Reporting

Industry Standards Contribution — MISMO FRAME

Serve as a formal reviewer for MISMO’s FRAME AI working group, contributing industry feedback on AI governance standards adoption for mortgage technology, alongside published industry commentary on AI accountability in vendor contracts.

Industry StandardsAI GovernanceThought Leadership
Perspective

Writing & Thought Leadership

Regular contributor on AI governance, regulatory intelligence, and mortgage technology.

inLinkedIn

Industry Commentary & Professional Updates

Regular posts on AI governance in financial services, regulatory intelligence, mortgage technology trends, and platform product strategy.

View Profile →
HWHousingWire

AI Accountability in Mortgage Servicing Vendor Contracts

Contributor piece examining how AI governance clauses are reshaping vendor contract negotiations in regulated mortgage environments.

Link coming soon
Venture

BarinhallClosed

2024–2026

Barinhall was an AI governance and regulatory intelligence advisory practice Frank founded in 2024 to explore how regulatory complexity in financial services could be systematized into buildable, automated tools. Over its lifecycle, Barinhall combined orchestration platforms, LLM APIs, and structured data layers with human-in-the-loop governance to build repeatable intelligence and content systems. The venture has since closed, but its systems and lessons continue to inform Frank’s product and AI governance work today.

Regulatory Intelligence Pipeline

A multi-agent system ingesting updates from 10+ federal and industry regulatory sources, scoring impact across eight dimensions using Claude, and auto-publishing structured intelligence reports.

Client Compliance Portal

A client-facing portal delivering structured regulatory intelligence and compliance insights.

Workflow & Content Automation

Orchestrated publishing and content-intelligence pipelines connecting RSS ingestion, LLM-based analysis, and automated distribution.

Get in Touch

Contact

Open to Director-track product and platform leadership opportunities in mortgage technology, financial services, and regulated environments.

EmailFrank.Barilone.Jr@outlook.com
LinkedInlinkedin.com/in/frankbarilonejr
GitHubgithub.com/frank-builds
Download Resume (PDF)