• DC-based IT Contracting Company
• 18 years expertise in mortgage assets
• Experience staffing 100+ person teams

Oakleaf Group is an Alexandria, VA based small business with deep expertise in mortgage assets.  Oakleaf and its key personnel have developed these capabilities over the past 18 years through valued client relationships in the primary and secondary mortgage industry, including Fannie Mae, Freddie Mac, Nomura, Chapdelaine, Schwab, Wells Fargo, Countrywide, E*Trade, Citadel and other mortgage institutions. We bring a broad range of expertise in the following areas:

• Internal Controls compliance with OMB Circular A-123, Management’s Responsibility for Internal Controls.  Developing, implementing, monitoring, and ongoing testing of financial controls in operational and financial accounting organizations.  This includes business process modeling (BPM) for operational and accounting functions, scoping, materiality determination, identification of key processes, integration of internal control-related baseline activities, testing, resource management, and documentation.
• Organizational Risk Management.  Strong capability to develop integrated risk management approaches based on strong internal controls for large-scale enterprise wide financial accounting organizations.  We bring demonstrated capabilities to manage internal controls on the most complex financial accounting standards on some of the most complex financial instruments.  Recently, for a large ($700bln) GSE, Oakleaf assisted in implementing internal controls in the financial accounting functions, including mapping operational functions and processes, designing controls, and implementing a risk management capability.
• Documentation.  Strong experience documenting an organization’s policies, processes, and guidelines necessary to ensure consistent application, clear communications, and organizational efficiency.  
• Business Intelligence and Reporting.  Strong experience developing powerful reporting databases for mortgage loans and mortgage securities.
• Business Process Management for securities trading and asset management organizations.  
• Project Management for securities trading, enterprise risk management and financial accounting initiatives.
• Financial Accounting Standards Compliance.  Knowledge of relevant financial accounting standards, including FAS 157, FAS 149 , FAS 115, and others.

• Whole Loan Analysis.  This includes pre-purchase analysis of groups of mortgage loans for pricing, risk, geographic concentration, credit characteristics, and buy-sell recommendations.  This also includes post-trade inventory analysis for ongoing credit quality and loan performance.  
• Mortgage Trading Operations.  Strong knowledge of industry best practices in mortgage trading including best execution, trade confirmations, records management, settled inventory management, fails management, P&I processing, reconciliation, and straight-through processing.
• Whole Loan Portfolio Management.  Strong capabilities in whole loan portfolio management, valuation, servicing, pricing, loss mitigation, risk management, sales and trading.
• Portfolio Analytics, Risk Management and Hedging.  Oakleaf has extensive experience developing and implementing risk management capabilities for mortgage businesses.  These credit risk management metrics and strategies, market(interest rate) risk management metrics, analytics, and strategies.  (Value At Risk, Total Return and Relative Value).
• Portfolio Pricing and Valuation.  Oakleaf brings domain expertise required to value whole loans, mortgage backed securities, structured instruments (CDOs).
• Modeling and Analytics in support of loan-level analysis, asset valuation, forecasting, risk attribution, portfolio risk management, for residential and commercial mortgage instruments and portfolios.

• Systems Expertise including designing and building Trading Systems, Inventory Management Systems, Operational Ledgers, Reconciliation Systems, Accounting Systems, Risk Management Databases, for whole-loan and fixed income instruments.  This includes design, development, testing, and production management.
• Whole Loan Data Infrastructure and Data Management.  Oakleaf has experience developing whole loan databases and data warehouses, with inherent knowledge of relevant data, and industry standards for exchanging loan portfolio data.  
• Systems Quality Assurance and Testing.  Deep QA capabilities in trading and accounting systems.

We have strong technical qualifications necessary to assist Treasury in the development and implementation of internal controls associated with the Troubled Asset Relief Program.