John Trinh, a co-founder of OptionWide Financial Corporation, has enjoyed a dynamic leadership career as an inventor, entrepreneur and a senior executive of successful start-ups, Fortune 500 companies, turnaround and high growth companies. In 2016, Mr. Trinh was Senior Vice President at Freedom Mortgage and established a new alternative lending division for non-QM loans. In 2011, Mr. Trinh founded SecureAds, where he invented a new methodology for combining pseudo one-time-passwords with targeted advertising based on consumer profiles. Over 30 patents have been granted worldwide. In 2010, Mr. Trinh co-founded DynaPass, where as CEO, Mr. Trinh negotiated the acquisition of a U.S. Patent for one-time-passwords via SMS. In 2008, he founded Contact Ratio, Inc., which developed the world’s first direct response video landing pages. From 2006 to 2007, Mr. Trinh served as President of Vantage Lending, Inc. and previously worked at Nationsfirst Lending, Homeloancenter.com and E*trade Financial.
Mr. Trinh holds a Bachelor of Science degree from California State University Fullerton in Political Science and attended The Fowler School of Law at Chapman University.
Janice Ramocinski, CPA, is a co-founder of OptionWide Financial Corporation and has 35 years of experience in mortgage banking, mortgage brokering, real estate syndication and distressed residential and commercial debt servicing and asset management. Ms. Ramocinski co-founded Kondaur Capital Corporation, a distressed residential mortgage servicing platform, serving as Chief Operating Officer and Chief Financial Officer. Ms. Ramocinski was a consultant specializing in problem commercial loan and asset workouts, real estate valuation, financial institution shutdown and complex issue litigation support around the 1980’s savings and loan crisis. Ms. Ramocinski started her career as a Senior Audit Manager for Deloitte & Touche.
Ms. Ramocinski earned a BA and MBA from the University of Chicago. She is a California Certified Public Accountant, Chartered Global Management Accountant, California Real Estate Broker, Mortgage Loan Originator and Notary Public.
Jim Griffin, CFA is a co-founder of OptionWide Financial Corporation and has over 20 years of experience investing in, securitizing and trading a wide array of mortgage loans and securities. Prior to OptionWide, Mr. Griffin was Managing Director of Portfolio Investments at PennyMac Financial Services, where he was a voting member of the Investment and Valuation Committees. Mr. Griffin has been an investor for a credit hedge fund and has lead mortgage trading desks at Wells Fargo Securities and Countrywide Securities Corp. Mr. Griffin was also a portfolio manager at a mortgage REIT and began his career at Freddie Mac.
Mr. Griffin earned an MBA degree in Finance from the College of William & Mary’s Mason School of Business and a BBA degree from Hofstra University. He is a CFA Charterholder and holds FINRA Series 7, 24 and 63 licenses.
Richard Ho, serves as OptionWide Financial Corporation’s Director of Technology. He has a proven, 15 year track record as CTO/CIO, leading successful companies from inception to acquisition. Over the past 8 years, Mr. Ho has been an executive technology consultant for DynaPass, Inc. (developing a two factor authentication security compliant technology platform and a client management system), CarGigi, Inc./Ebay, Legal Helpers, Inc. and LoansDecision (developing a mortgage pricing and underwriting engine). Mr. Ho served as the VP of Information Technology for Truelink.com where he developed the GMAC/RFC AssetWise loan underwriting interface engine. Mr. Ho was an EVP & Chief Technology Officer at Homeloancenter.com (acquired by Lending Tree). Previously, Mr. Ho was the VP of Information Technology at Loansdirect.com (acquired by E-Trade Financial).
Mr. Ho graduated from the University of California San Diego with a B.A. in Cognitive Science with a minor in Psychology.
Tony Rand iserves as the Chief Compliance Officer and Chief Credit Officer for the firm. In these roles, Mr. Rand leads the firm’s compliance and credit areas and oversees all risk management functions. Mr. Rand has been in banking and finance since 1987 and has served in a large variety of executive and operational roles. Mr. Rand’s mortgage banking functions have included strategic advisory for executive management and corporate boards, the preparation of expert reports and expert witness retainers in federal and state court civil and criminal cases. Specific to banking and finance, Mr. Rand has had in excess of 8000 hours of teaching and training in all aspects of banking and finance.
Jenny Chen-Drake, serves as OptionWide Financial Corporation’s outside General Counsel. Ms. Chen-Drake is the founder and principal of the Chen-Drake Law Group, P.C., which advises middle market and small cap publicly listed and private companies. Previously, Ms. Chen-Drake served as General Counsel and Corporate Secretary of Mood Media (f/k/a Fluid Music Canada) and was in private practice specializing in mergers and acquisitions, corporate securities, and general corporate law for over 11 years at law firms, including Nixon Peabody LLP, Liner Yankelevitz Sunshine & Regenstreif LLP (now DLA Piper), Luce & Forward, Rosenfield Meyer & Susman, LLP and Klein & Martin (now Rutan & Tucker, LLP).
Ms. Chen-Drake received her B.A. and M.A. in Sociology from Stanford University and her J.D. from New York University School of Law.