Michael is a deeply knowledgeable credit-reporting and data-verification industry veteran, drawing on his nearly 30 years of experience to successfully lead the SettlementOne team.
Before joining SettlementOne in 2020, Michael held executive and senior leadership roles at CoreLogic, First American, First Advantage, and Rels (a Wells Fargo joint venture). He has built, grown, and led successful teams in sales, operations, information technology, marketing, product development, vendor management, and compliance.
Michael is a U.S. Navy combat veteran who served in operations Desert Shield and Desert Storm. He holds a Bachelor of Science in Business Administration and additional undergraduate degrees in Management and Electronics Technology. Michael is also a graduate of the Mortgage Bankers Association’s School of Mortgage Banking.
Cheryl has 30+ years of Tier-1 Sales and Account Management experience with SettlementOne and Kroll Factual Data. She applies her many years of extensive knowledge and expertise in the credit reporting and verification services industry to provide consultative support to SettlementOne’s top-tier clients. Cheryl has worked with several of the top 20 mortgage lenders in the country. She is actively involved with and serves as a founding member for the New England Mortgage Advisory Board and is a member of the local Mortgage Bankers Association.
Aaron serves as the Director of Finance at SettlementOne and joined the team in 2022. Prior to joining SettlementOne, Aaron most recently served as Business Operations Manager at BBS Automation, where he managed as a right-hand to the President, and as a Financial Analyst at Universal Gaming Group, where among other duties, he assisted in the financial due diligence preparation for the sale of the company to a private equity firm. Aaron earned an MBA from Lake Forest Graduate School of Management.
As our Director of Operations, Annette specializes in improving efficiency and streamlining processes for SettlementOne and our clients. Results-driven and a natural leader, she has more than 15 years of experience in banking, mortgage servicing, and credit reporting. Before joining SettlementOne, Annette worked in the mortgage departments of both J.P. Morgan Chase and Bank of America. She has played pivotal roles in restructuring multiple operations units into consolidated, cohesive, high-performing teams – providing a competitive advantage to the organizations she has served.
Steve has over 20 years of experience in residential real estate lending, successfully leading multiple companies to industry prominence by building strong relationships with customers, service partners, and technology providers. From 2021 to 2024, Steve served as CEO of SettlementOne, where he achieved 40% growth despite challenging conditions in the post-COVID mortgage market.
Prior to SettlementOne, Steve was Chief Operating Officer at AppraiserVendor, a national appraisal management solutions provider, where he doubled the company’s size over a five-year period. He also held the role of Executive Vice President at Nations Valuation Services, managing operations, P&L, sales, compliance, strategic partnerships, and process improvements—all while driving similar growth.
Known for his strong business acumen, innovative thinking, and ability to build high-performing teams, Steve has held leadership roles across various organizations. In addition to serving as Executive Director and Board Member at SettlementOne, he is currently the CEO of VerifyToday.
Patty has provided exemplary services to the real estate industry for over 33 years. Quickly displaying her leadership skills, Patty managed residential closing offices in Ohio and Indiana early in her career. Patty’s focus on details and follow through allows her to lead the dedicated compliance and human resources departments for SettlementOne, LLC. Patty’s accomplishments have been recognized by several awards; Women in Housing – MReport, CEO Award (2017 and 2015), and Affiliate of the Year Award (MIBOR).
