2025 Small CU Webinars

Dates & Times

Part I: Introduction to ITIN, Market Opportunity, and Account Opening

This session will provide an overview of the Individual Taxpayer Identification Number (ITIN), its purpose, and its relevance to credit unions. We'll explore the market potential of serving ITIN holders and discuss strategies and best practices for account-opening processes that meet community needs while ensuring compliance.

Part II: ITIN Lending: From Consumer Lending to Mortgage and Small Business Lending

Dive into the lending opportunities available through ITIN. This session will highlight how credit unions are meeting the credit needs of ITIN holders across consumer, mortgage, and small business lending. Learn about underwriting strategies, portfolio performance, and how to build sustainable and mission-aligned lending programs.

Part III: ITIN Compliance and Risk

Understanding the regulatory and risk landscape is essential for any successful ITIN program. This session will address key compliance considerations, including BSA/AML, risk mitigation practices, and documentation standards. Credit unions will gain insights into navigating regulatory expectations while staying true to their mission of financial inclusion.

Speakers:

Jean Carlos Rosario Mercado

Jean Carlos Rosario Mercado serves as a Juntos Avanzamos Program Officer at Inclusiv Network, providing comprehensive administrative and programmatic support to facilitate coordination across multiple departments. With over five years of leadership experience, Jean has implemented strategic business initiatives, significantly enhancing operational efficiency and profitability. 

Pablo DeFilippi

Pablo DeFilippi leads Inclusiv’s membership development and engagement strategies and manages Inclusiv/Network, a network of community development finance practitioners that provide valuable consulting services to CDCUs. Mr. DeFilippi has more than 20 years of experience in community finance, working with regulated financial institutions both in the domestic and international arena. Originally from Chile, DeFilippi came to the US in the early 90s and almost immediately became involved in credit unions.

Bob Mundy

A seasoned professional in the mortgage industry, Bob Mundy has dedicated nearly 30 years to helping clients realize their homeownership dreams. Bob began his career as a loan officer, gaining invaluable experience at several brokerage houses in New York City. In 2013, Bob was appointed by Actors FCU to spearhead their Mortgage Program, successfully launching their inaugural in-house initiative. His expertise led him to Inclusiv in 2015, where he played a pivotal part in establishing Inclusiv Mortgage as a leader in high-impact lending. 

Wendy Soria

Wendy Soria is the CU Operations and Compliance Specialist at Inclusiv, with nearly 20 years of experience in the credit union sector. She specializes in forensic accounting, corporate reconciliation, internal controls, budgeting, and has extensive experience working with the NCUA on troubled credit unions.

Rosa Franco

Rosa Franco is the Inclusiv Vice President of Lending. Rosa has extensive experience in high-impact lending and economic development in the United States and Peru, her country of origin. Before joining Inclusiv, Rosa worked at Neighborhood Trust FCU for fifteen years, first as Director of Credit Union Education and then as Director of Lending and Development. During her tenure at NTFCU, Rosa expanded training and technical assistance to micro and small business owners of the Upper Manhattan and South Bronx and expanded the credit union offering, including mortgages, to undocumented immigrants. She started her career in Peru in economic development and microfinance for urban and rural areas until 2007, when she moved to New York.

Thanks to our generous sponsor