OUR TEAM
You deserve a compliance partner who helps your business thrive—not just survive.
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At Loan Risk Advisors, we support you. Whether you’re facing exams, scaling your business, or sorting through new regulations, our job is to make yours easier.
Our team brings decades of real-world experience in compliance and credit risk—earned from working inside mortgage operations just like yours. We’ve handled the pressure, solved the tough issues, and built systems that actually work.
Now, we use that knowledge to help you move forward with clarity and confidence. From strategy to execution, we’re by your side—turning regulatory challenges into smarter growth.
Founder and President
Raymond Snytsheuvel
Ray brings more than 30 years of mortgage industry experience, with a background that includes loan origination, funding, operations, compliance, and legal oversight. He has held roles as a loan officer, funding manager, internal auditor, chief compliance officer, and general counsel.
His expertise spans TILA, RESPA, and Fair Lending, along with policy development, audit readiness, and operational strategy. Ray helps lenders align compliance with business goals, manage regulatory challenges, and improve internal workflows.
Clients value his direct communication, practical insight, and strong understanding of how compliance works in fast-paced mortgage environments—not just in theory, but in practice.
Compliance Advisor
Cassie Ellis
With over 30 years of mortgage experience, Cassie has worked across a wide range of roles in operations, funding, loan delivery, and compliance. Her career includes leadership positions at lenders, credit unions, and mortgage banks, where she supported sales, managed closing teams, and built operational procedures.
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Cassie has deep expertise in federal and state regulations, including experience with Fair Lending, loan delivery, and origination system transitions. At multiple institutions, she served as the go-to resource for interpreting new regulatory changes and integrating them into daily operations.
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Clients and teams value her calm approach, practical insight, and ability to build trust while getting things done.
Compliance Advisor
Jeanne Brown
Jeanne brings over 15 years of compliance experience in mortgage lending, risk management, and regulatory oversight. She has held leadership roles at credit unions and mortgage banks, including Chief Compliance Officer, VP of Risk Management, and Real Estate Lending Compliance Officer.
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Her background covers real estate lending, credit risk, and mortgage servicing. She is skilled in audit response, program development, and helping lenders strengthen internal controls. Jeanne also holds the NAFCU Certified Risk Manager designation and a degree in Political Science from UCLA.
Clients trust her steady leadership and ability to simplify compliance issues with practical, well-informed solutions.
Compliance Advisor
Nichole Salazar
Nichole brings over 20 years of experience in mortgage lending, loan processing, and compliance support. She has worked in roles ranging from senior loan processor and compliance analyst to trainer and advisor, guiding teams through regulatory requirements and operational processes.
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She has led training programs on loan origination and processing. Nichole is known for her attention to detail, strong communication skills, and ability to keep teams moving forward. Her experience spans residential lending, credit analysis, investor relations, and legal documentation.
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Clients rely on her practical knowledge and team-first approach to deliver consistent, reliable compliance support.
Compliance Advisor
Mary Costello
Mary brings over 15 years of experience across mortgage lending, compliance, vendor management, and fintech. She began her career at a leading VA lender, rising from processor to team manager while building operational workflows. She later built and implemented their third-party risk management program.
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She later led strategic compliance programs at two mortgage tech startups, where she built risk registers, authored policy libraries, and translated complex regulations into structured rule sets to support automation and audits. Mary’s skills span regulatory compliance, risk management, internal audits, third-party oversight, and mentoring future leaders.
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Her clients value her ability to lead with both precision and empathy, combining technical know-how with a collaborative, problem-solving mindset.
Marketing/Communications
Evelyn Bai
With over 25 years in marketing, Evelyn has worked with small teams to Fortune 500 companies. She has a knack for turning complex ideas into clear, engaging content that connects with readers and performs well in search.
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Evelyn is skilled at weaving in strategic keywords and writing easy-to-scan headlines that help people find what they need—and enjoy reading it.
Whether she's refreshing an outdated web page, crafting social media posts, or tuning up SEO settings behind the scenes, Evelyn brings energy and care to every project, making content that works for both the audience and the algorithm.
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Plus, she can often stump Ray with random music trivia —a skill that’s impressive, if not particularly useful in compliance.