Regina M. Lowrie, CMB, is a recognized national leader and authority in the mortgage and lending industry. She has more than 30 years of experience in the financial services industry and has established and managed multiple successful banking/lending organizations. In 2005, Regina became the first woman chairman of the national Mortgage Bankers Association and continues to serve on many MBA committees. Regina has also testified before Congress on public policy to include GSE Reform and has served as an expert witness for the financial services industry. As president and CEO of Dytrix, Regina is arming banks and lenders with a comprehensive, real time defense system against wire and identity fraud, the fastest growing type of cybercrime according to the FBI. Regina is also President and CEO of RML Advisors. Previous to Dytrix and RML Advisors, Ms. Lowrie was Founder/President and CEO of Gateway Funding Diversified Mortgage Services, a $3.2 Billion Mortgage Banker.