Michael F.

Torphy
12605 W. North Ave. #251, Brookfield, WI 53005
(414) 975-5686
mtad09d2@westpost.net

Focus
Compliance
Litigation
Team Development
Contract writing
Contract management

Internal/external audit
A/R, A/P, Gen. Ledger
Mortgage technology
Access, Excel, Word Powerpoint, MS-Project

Staffing Analysis
Risk analysis
Market analysis
RFP writing
Ethics and training
Experience
Law Offices of Michael F Torphy
Attorney, July 1, 1998 to Present
Represent business, banking and real estate clients in a variety of areas includ
ing risk management, compliance, contract writing, RFP responses, litigation pla
nning and litigation. Continuous participation in the Wisconsin Volunteer Lawye
rs Project representing clients facing insurance bad faith, denial of government
services, governmental property seizure, consumer-rights issues. Significant l
itigation involving FDPCA, FCRA, UDAPA, CERCLA, RCRA and the Wisconsin Consumer
Act.
Opus Capital Markets Corp. (Compliance Analyst - Contract Position)
Compliance Specialist, August, 2009 to Present
Evaluate mortgage loans for federal and state compliance on behalf on bank, insu
rer and agency clients.
Mortgage Data Management Corp. (Compliance Analyst - Contract Position)
Compliance Specialist, December 15, 2008 to August, 2009
Evaluate mortgage loans for federal and state compliance on behalf on bank, insu
rer and agency clients. Firm sold and renamed.
Canaan Financial Services, Inc.
Vice President - Business Development, February 2, 2008 to December 31, 2008
Profit and loss responsibility for Wisconsin mortgage brokerage. Evaluated busin
ess model, staffing, systems and margins. Ensured procedural and practical comp
liance with RESPA, TILA and FHA. Managed staff of twenty including sixteen orig
inators. Built relationships with realty and title companies, builders, account
ancies, and attorneys. Managed business relations with twenty six wholesale len
ding partners.
Millennium Mortgage Corp. (New York Operations)
Vice President - Business Development, February 2, 2006 to November 21, 2007
Profit and loss responsibility of New York operations for multi-state brokerage.
 Evaluated business model, staffing, systems and margins. Determined business m
odel could be effectively implemented from non-local and web-based assets. Elim
inated staff, equipment and premises liability on Long Island, NY, making New Yo
rk operation profitable for first time since licensing in 2002.

Mortgage Solutions, Inc.

Attorney and Vice President, July 1, 1998 to November 29, 2003
Developed procedures and practices for staff of ten in the origination, processi
ng, compliance and closing of residential and commercial purchase money and refi
nancing mortgages.
East Bay Perinatal
Operations Manager, December 18, 1996 to March 1, 1998
Built team for turn-around of multi-office, non-profit, federal health contracto
r after embezzlement left substantial non-recoverable losses.
RPP, Inc.
Founder, President and Executive Director, October 20, 1994 to September 1, 1996
Startup to $3.5M in funds for SSDI and SSI recipients required to have benefits
management by responsible party due to mental illness, developmental or cognitiv
e disabilities, and or drug or alcohol addiction. With offices in Reno, NV and
Portland, OR.
Washoe Legal Services
Staff and managing attorney, June 1, 1994 to June 30, 1996
Western Wisconsin Legal Services
Staff attorney, October 20, 1992 to May 15, 1994

Education
University of Wisconsin, School of Law, J.D. conferred May, 1992
Shaw Scholar
Director, Community Law Office
Extern, Judge John L. Coffey, 7th Cir. U.S. Ct. App.
Clerk, LaCrosse County District Attorney
University of Wisconsin-Madison, B.A. conferred August, 1988
National Merit Scholar
Research Assistant, Prof. Joel Grossman
*
Military
United States Army Reserve, November, 1992 to January, 1996
Army Achievement Medal
Foreign Service Medal
Wisconsin Army National Guard, November, 1988 to November, 1992
Army Commendation Medal
Army Good Conduct Medal
National Service Medal
Wright Medal with cluster
Volunteer Activities
Volunteer Lawyer's of Wisconsin, August 2000 to Present
Board of Directors, Project Restart, January, 1995 to August, 1996
Loan Review Committee, Nevada Self Employment Trust, October 1994 to July 1996
Board of Directors, Fund Urban Nevada Development, June, 1994 to August, 1995
Director, Community Law Office, July, 1991 to June, 1992
Tutor, Indian Education Project, September, 1987 to June, 1988
Counselor, Dane County Juvenile Protective Services, October, 1986 to May, 1987