FEMA Major Disaster Declaration – Maine Severe Winter Storm

FEMA Alert
May 24, 2024  

FEMA has issued a Major Disaster Declaration for the state of Maine to supplement state, tribal, and local recovery efforts in areas affected by a severe winter storm from April 3-5, 2024.  The following counties have been approved for assistance:

Public Assistance:

  • Cumberland
  • York

 

Maine Severe Winter Storm (DR-4785-ME)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for Maine

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Major Disaster Declaration – West Virginia Severe Storms, Flooding, Landslides and Mudslides

FEMA Alert
May 24, 2024  

***LAST UPDATED: 7/8/24***

FEMA has issued a Major Disaster Declaration for the state of West Virginia to supplement state, tribal, and local recovery efforts in areas affected by severe storms, flooding, landslides and mudslides from April 11 – 12, 2024.  The following counties have been approved for assistance:

Individual Assistance:

  • Hancock
  • Kanawha
  • Marshall
  • Ohio
  • Roane
  • Wetzel
  • Wood

Public Assistance:

  • Boone
  • Brooke
  • Doddridge
  • Gilmer
  • Hancock
  • Lincoln
  • Marshall
  • Ohio
  • Tyler
  • Wetzel

 

West Virginia Severe Storms, Flooding, Landslides and Mudslides (DR-4787-WV)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for West Virginia

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

The Fight Against Blight – How Mayor Young, Code Enforcement Team are Tidying Up Our Neighborhoods While Tackling Crime

One Community Update
May 11, 2024

Source: www.actionnews5.com

Cracking down on crime in Memphis, one blighted house at a time. Mayor Paul Young gave the code enforcement team a daunting task: speed up the clean-up of dilapidated homes that attract vagrants and violence in neighborhoods.

It takes at least 120 to 180 days for the citation process to work, and often the courts must get involved. But getting the inspector out to your neighborhood is an important first step.

At an abandoned house on Princeton Avenue in Binghampton on Friday, code enforcement inspector Marc Middlebrooks became a key part of Mayor Young’s Operation Code Zero crime mitigation plan.

“We want to make sure that we try to get the house boarded and secured,” Middlebrooks told Action News 5, “and eventually rehabbed so someone can actually be living in the house.”

If the out-of-town owner doesn’t make improvements and the house is vacant, the city will cut the grass, board up the windows and place a lien on the property.

The city hires contract crews to cut the grass at more than 9,000 private properties each year with a budget of about $1.7 million.

A few doors down, 79-year-old Mattie Latiker helped grandson Anthony pull weeds and plant flowers.

“Because I want it to look nice in the neighborhood,” she said, “I want the yard to look good.”

Anthony and his wife Tokia bought their home two years ago. They welcomed their daughter, Amoura, four months ago. Now, with three children to raise and protect, they welcome the new emphasis on fighting blight.

”I think it was overdue,” said Tokia, “We’re very appreciative of the measures that they’re taking to clean up the street.”

The next stop for Inspector Middlebrooks was a home destroyed by fire five months ago.

Code enforcement already cited the owner in March, but he’s elderly and unable to make repairs.

Concerned neighbors quickly came outside to ask Public Works Director Robert Knecht, the man in charge of the code enforcement division, how long it’s going to take to condemn the property and tear it down.

“I’m so thankful to see code enforcement stepping in and helping keep our neighborhoods clean and bright,” said Shelley Arnsman, “because this has been an eyesore for years, especially as it’s crumbled apart.”

Operation Code Zero is a holistic approach to crime-fighting. Memphis Police sweep each precinct, arresting fugitives and lawbreakers, and confiscating weapons and drugs.

Code Enforcement saturation follows, and the inspectors are out there grinding every day at a pace not seen before.

“This is our first time doing it,” said Knecht, “We’re seeing some really, good outcomes. We’re being more proactive than we’ve ever been, so that’s really what I think we’re trying to accomplish.”

It’s quite a challenge—in the last decade, Knecht said there’s been a 12% increase in single-family homes in Memphis owned by out-of-state investors.

Investor-owned properties generate three times the number of code violations compared to owner-occupied properties.

Homeowners on Princeton watching the code inspectors post notice after notice on the eyesores on their street, applaud the city’s effort.

“Because that makes you love your neighborhood,” said Anthony Latiker, “it makes you want to have more pride about your city and take care of your street.

I like the initiative they’re doing right now.”  The City of Memphis Solid Waste division created strike teams as part of Operation Code Zero.

They work closely with code enforcement, targeting dump sites and piles of garbage in neighborhoods.

 

For full report, please click the source link above.

KC Cracks Down on Illegal Dumping with New Proposals

One Community Update
May 22, 2024

Source: www.kctv5.com

Illegal dumping, it’s not a pretty sight and has been a persistent annoyance for many neighborhoods in Kansas City, for generations.

From mattresses and bed frames to piles of tires and trash, these are just some of the items KCTV5 found illegally dumped.

City council members are trying to crack down on the issue with new legislation aimed at tougher penalties and more surveillance.

KCMO council members Crispin Rea, Melissa Patterson Hazley and Melissa Robinson all brought forth proposals to address the issue.

Those include:

Increasing the fines for people who dump trash on vacant lots, unimproved areas, and Land Bank properties to $500 and $750 for repeated offenders.

Residents can request an unlimited number of free, curbside pick-ups for bulky items.

Organize an event for residents to drop-off trash in dumpsters.

Legislators said they’ve also hired five additional investigators this year, last year they only had one.

“We have seen around 200 cases actually reference to the municipal prosecutor’s office, which is more than what you expect,” said Rea. Rea said with the new proposals and additional surveillance he’s hopeful the city will have cleaner neighborhoods.

“We are taking a very comprehensive approach. there is improvement in every step of the system along the way from the abatement to the investigation to the penalty phase and beyond.”

“Yeah, it’s a reoccurring issue,” said Alana Henry, the Executive director for Ivanhoe Neighborhood Council. Henry works with the Ivanhoe Neighborhood Council and said the area is flooded with trash, especially down Woodland Ave. She hopes the city looks at the difficulties navigating trash pickup. “If a trash crew comes through and they don’t pick up all the trash that has been set up on the curb, then what often happens, is the homeowner then finds an alternative location to put that residential trash,” said Henry.

Henry said she doesn’t think there is just one answer, but rather a multitude of answers.

“I think equipping neighborhoods with financial support to address the problem is a great place to start, actual prosecution of folks who are caught dumping illegally and making the process easier for average citizens to dispose of their household trash,” said Henry.

 

For full report, please click the source link above.

FEMA Major Disaster Declaration – West Virginia Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides and Mudslides

FEMA Alert
May 22, 2024  

FEMA has issued a Major Disaster Declaration for the state of West Virginia to supplement state, tribal, and local recovery efforts in areas affected by severe storms, straight-line winds, tornadoes, flooding, landslides and mudslides from April 2 – 6, 2024.  The following counties have been approved for assistance:

Individual Assistance:

  • Boone
  • Cabell
  • Fayette
  • Kanawha
  • Lincoln
  • Marshall
  • Nicholas
  • Ohio
  • Putnam
  • Wayne
  • Wetzel

Public Assistance:

  • Brooke
  • Hancock
  • Marshall
  • Ohio
  • Preston
  • Tyler
  • Wetzel

 

West Virginia Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides and Mudslides (DR-4783-WV)

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Major Disaster Declaration – Kentucky Severe Storms, Straight-line Winds, Tornadoes, Landslides and Mudslides

FEMA Alert
May 22, 2024  

FEMA has issued a Major Disaster Declaration for the state of Kentucky to supplement state, tribal, and local recovery efforts in areas affected by severe storms, straight-line winds, tornadoes, landslides and mudslides on April 2, 2024.  The following counties have been approved for assistance:

Individual Assistance:

  • Boyd
  • Carter
  • Fayette
  • Greenup
  • Henry
  • Jefferson
  • Jessamine
  • Mason
  • Oldham
  • Union
  • Whitley

 

Kentucky Severe Storms, Straight-line Winds, Tornadoes, Landslides, and Mudslides (DR-4782-KY)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for Kentucky

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

Mortgage Delinquencies Increase Slightly in the First Quarter of 2024

Industry Update
May 16, 2024

Source: Mortgage Bankers Association

The delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 3.94 percent of all loans outstanding at the end of the first quarter of 2024, according to the Mortgage Bankers Association’s (MBA) National Delinquency Survey.

The delinquency rate was up 6 basis points from the fourth quarter of 2023 and up 38 basis points from one year ago. The percentage of loans on which foreclosure actions were started in the first quarter remained unchanged at 0.14 percent.

“Overall mortgage delinquencies increased slightly in the first quarter of 2024, but not across all three of the major loan types. Delinquencies declined for FHA loans, were relatively flat for conventional loans, and increased for VA loans,” said Marina Walsh, CMB, MBA’s Vice President of Industry Analysis. “Notably, all three loan types saw an increase in delinquencies compared to one year ago. Higher unemployment, lower personal savings, increases in property taxes and insurance, and a run-up in credit card debt and delinquency contributed to conditions that would make it tougher for some homeowners to make their mortgage payments.”

Added Walsh, “At the end of 2023, the Department of Veterans Affairs encouraged mortgage servicers to implement a foreclosure moratorium until the end of May 2024. With this pause came an increase in VA loans that remained delinquent, but not in foreclosure inventory.”

The delinquency rate includes loans that are at least one payment past due but does not include loans in the process of foreclosure.

 

For full report, please click the source link above.

 

Top 10 U.S. Counties with Greatest Numbers of Foreclosure Starts in April 2024

Industry Update
May 17, 2024

Source: ATTOM

According to ATTOM’s just released April 2024 U.S. Foreclosure Market Report, there were a total of 31,649 U.S. properties with foreclosure filings.  This figure reflects a 4 percent decrease compared to the previous month and a 4 percent decrease compared to the same period last year.

ATTOM’s latest foreclosure market analysis reports that in April 2024, Maryland, Illinois, and Nevada exhibited the highest foreclosure rates. Across the nation, one out of every 4,453 housing units had a foreclosure filing during this period.  States with the highest foreclosure rates were Maryland (one in every 2,214 housing units with a foreclosure filing); Illinois (one in every 2,517 housing units); Nevada (one in every 2,546 housing units); South Carolina (one in every 2,573 housing units); and Florida (one in every 2,854 housing units).

The report notes that of the 224 metropolitan statistical areas with a population of at least 200,000, Elkhart, IN, had the highest foreclosure rate in April 2024 (one in every 1,565 housing units with a foreclosure filing).  Followed by Columbia, SC (one in every 1,689 housing units); Cleveland, OH (one in every 1,859 housing units); Lakeland, FL (one in every 1,861 housing units); and Flint, MI (one in every 1,998 housing units).

The analysis also reports that foreclosure starts saw a 7 percent decrease from the previous month, with lenders commencing the foreclosure process on 21,753 U.S. properties in April 2024. This figure reflects a 3 percent decline compared to the same period last year.

ATTOM’s April 2024 foreclosure report also noted that among states with a minimum of 100 foreclosure starts in April 2024, the most significant monthly declines were observed in New Jersey (down 51 percent); Indiana (down 32 percent); Colorado (down 31 percent); Massachusetts (down 21 percent); and Connecticut (down 20 percent).

The report states that among those major metro areas with a population greater than 1 million, those with the greatest numbers of foreclosure starts in April 2024 were Chicago, IL (1,211 foreclosure starts); New York, NY (1,141 foreclosure starts); Houston, TX (1,068 foreclosure starts); Miami, FL (751 foreclosure starts); and Los Angeles, CA (652 foreclosure starts).

In this post, we dig a bit deeper to uncover the top 10 U.S. counties with the greatest numbers of foreclosure starts in April 2024. Those counties include: Cook County, IL (787 foreclosure starts); Los Angeles County, CA (532 foreclosure starts); Harris County, TX (488 foreclosure starts); Liberty County, TX (351 foreclosure starts); Miami-Dade County, FL (321 foreclosure starts); Clark County, NV (283 foreclosure starts); Maricopa County, AZ (281 foreclosure starts); Broward County, KY (275 foreclosure starts); Cuyahoga County, OH (229 foreclosure starts); and Riverside County, CA (216 foreclosure starts).

For full report, please click the source link above.

 

Share of Mortgage Loans in Forbearance Remains at .22% in April

Industry Update
May 20, 2024

Source: Mortgage Bankers Association

The Mortgage Bankers Association’s (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance remained unchanged at 0.22% as of April 30, 2024. According to MBA’s estimate, 110,000 homeowners are in forbearance plans. Mortgage servicers have provided forbearance to approximately 8.1 million borrowers since March 2020.

In April 2024, the share of Fannie Mae and Freddie Mac loans in forbearance declined 1 basis point to 0.11%.  Ginnie Mae loans in forbearance dropped 1 basis point to 0.39%, and the forbearance share for portfolio loans and private-label securities (PLS) stayed the same at 0.31%.

“The number of loans in forbearance has remained stagnant for the first four months of 2024,” said Marina Walsh, CMB, MBA’s Vice President of Industry Analysis. “While forbearance is still a viable option for homeowners needing temporary mortgage payment relief, its usage has diminished without a major natural disaster or labor market downturn. Moreover, the performance of servicing portfolios and post-forbearance workouts remains strong, despite some fluctuations from month-to-month.”

For full report, please click the source link above.

 

FEMA Major Disaster Declaration – Texas Severe Storms, Straight-line Winds, Tornadoes, and Flooding

FEMA Alert
May 17, 2024  

***LAST UPDATED: 7/16/24***

FEMA has issued a Major Disaster Declaration for the state of Texas to supplement state, tribal, and local recovery efforts in areas affected by severe storms, straight-line winds, tornadoes and flooding beginning April 26, 2024 and continuing.  The following counties have been approved for assistance:

Individual Assistance:

  • Anderson
  • Austin
  • Bell
  • Calhoun
  • Collin
  • Cooke
  • Coryell
  • Dallas
  • Denton
  • Eastland
  • Ellis
  • Falls
  • Guadalupe
  • Hardin
  • Harris
  • Henderson
  • Hockley
  • Jasper
  • Jones
  • Kaufman
  • Lamar
  • Leon
  • Liberty
  • Montague
  • Montgomery
  • Nacogdoches
  • Navarro
  • Newton
  • Panola
  • Polk
  • Rusk
  • Sabine
  • San Jacinto
  • Smith
  • Terrell
  • Trinity
  • Tyler
  • Van Zandt
  • Walker
  • Waller

Public Assistance:

  • Anderson
  • Austin
  • Baylor
  • Bell
  • Bosque
  • Brown
  • Caldwell
  • Calhoun
  • Clay
  • Cochran
  • Coke
  • Coleman
  • Concho
  • Cooke
  • Coryell
  • Delta
  • Eastland
  • Falls
  • Fannin
  • Freestone
  • Grimes
  • Hamilton
  • Hardin
  • Harris
  • Henderson
  • Hockley
  • Houston
  • Jasper
  • Kaufman
  • Lamar
  • Lampasas
  • Lee
  • Leon
  • Liberty
  • Limestone
  • Lynn
  • Madison
  • Milam
  • Mills
  • Montgomery
  • Newton
  • Panola
  • Polk
  • Robertson
  • Rockwall
  • Rusk
  • San Augustine
  • San Jacinto
  • San Saba
  • Shelby
  • Sterling
  • Terrell
  • Trinity
  • Tyler
  • Van Zandt
  • Walker
  • Waller
  • Washington

 

Texas Severe Storms, Straight-line Winds, Tornadoes and Flooding (DR-4781-TX)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for Texas

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

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CHIEF EXECUTIVE OFFICER

Alan Jaffa

Alan Jaffa is the chief executive officer for Safeguard, steering the company as the mortgage field services industry leader. He also serves on the board of advisors for SCG Partners, a middle-market private equity fund focused on diversifying and expanding Safeguard Properties’ business model into complimentary markets.

Alan joined Safeguard in 1995, learning the business from the ground up. He was promoted to chief operating officer in 2002, and was named CEO in May 2010. His hands-on experience has given him unique insights as a leader to innovate, improve and strengthen Safeguard’s processes to assure that the company adheres to the highest standards of quality and customer service.

Under Alan’s leadership, Safeguard has grown significantly with strategies that have included new and expanded services, technology investments that deliver higher quality and greater efficiency to clients, and strategic acquisitions. He takes a team approach to process improvement, involving staff at all levels of the organization to address issues, brainstorm solutions, and identify new and better ways to serve clients.

In 2008, Alan was recognized by Crain’s Cleveland Business in its annual “40-Under-40” profile of young leaders. He also was named a NEO Ernst & Young Entrepreneur of the Year® finalist in 2013.

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Chief Operating Officer

Michael Greenbaum

Michael Greenbaum is the chief operating officer for Safeguard. Mike has been instrumental in aligning operations to become more efficient, effective, and compliant with our ever-changing industry requirements. Mike has a proven track record of excellence, partnership and collaboration at Safeguard. Under Mike’s leadership, all operational departments of Safeguard have reviewed, updated and enhanced their business processes to maximize efficiency and improve quality control.

Mike joined Safeguard in July 2010 as vice president of REO and has continued to take on additional duties and responsibilities within the organization, including the role of vice president of operations in 2013 and then COO in 2015.

Mike built his business career in supply-chain management, operations, finance and marketing. He has held senior management and executive positions with Erico, a manufacturing company in Solon, Ohio; Accel, Inc., a packaging company in Lewis Center, Ohio; and McMaster-Carr, an industrial supply company in Aurora, Ohio.

Before entering the business world, Mike served in the U.S. Army, Ordinance Branch, and specialized in supply chain management. He is a distinguished graduate of West Point (U.S. Military Academy), where he majored in quantitative economics.

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CHIEF INFORMATION OFFICER

Sean Reddington

Sean Reddington is the new Chief Information Officer for Safeguard Properties LLC. Sean has over 15+ years of experience in Information Services Management with a strong focus on Product and Application Management. Sean is responsible for Safeguard’s technological direction, including planning, implementation and maintaining all operational systems

Sean has a proven record of accomplishment for increasing operational efficiencies, improving customer service levels, and implementing and maintaining IT initiatives to support successful business processes.  He has provided the vision and dedicated leadership for key technologies for Fortune 100 companies, and nationally recognized consulting firms including enterprise system architecture, security, desktop and database management systems. Sean possesses strong functional and system knowledge of information security, systems and software, contracts management, budgeting, human resources and legal and related regulatory compliance.

Sean joined Safeguard Properties LLC from RenPSG Inc. which is a nationally leading Philintropic Software Platform in the Fintech space. He oversaw the organization’s technological direction including planning, implementing and maintaining the best practices that align with all corporate functions. He also provided day-to-day technology operations, enterprise security, information risk and vulnerability management, audit and compliance, security awareness and training.

Prior to RenPSG, Sean worked for DMI Consulting as a Client Success Director where he guided the delivery in a multibillion-dollar Fortune 500 enterprise client account. He was responsible for all project deliveries in terms of quality, budget and timeliness and led the team to coordinate development and definition of project scope and limitations. Sean also worked for KPMG Consulting in their Microsoft Practice and Technicolor’s Ebusiness Division where he had responsibility for application development, maintenance, and support.

Sean is a graduate of Rutgers University with a Bachelor of Arts and received his Masters in International Business from Central Michigan University. He was also a commissioned officer in the United States Air Force prior to his career in the business world.

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General Counsel and Executive Vice President

Linda Erkkila, Esq.

Linda Erkkila is the general counsel and executive vice president for Safeguard and oversees the legal, human resources, training, and compliance departments. Linda’s responsibilities cover regulatory issues that impact Safeguard’s operations, risk mitigation, enterprise strategic planning, human resources and training initiatives, compliance, litigation and claims management, and mergers, acquisition and joint ventures.

Linda assures that Safeguard’s strategic initiatives align with its resources, leverage opportunities across the company, and contemplate compliance mandates. Her practice spans over 20 years, and Linda’s experience covers regulatory disclosure, corporate governance compliance, risk assessment, executive compensation, litigation management, and merger and acquisition activity. Her experience at a former Fortune 500 financial institution during the subprime crisis helped develop Linda’s pro-active approach to change management during periods of heightened regulatory scrutiny.

Linda previously served as vice president and attorney for National City Corporation, as securities and corporate governance counsel for Agilysys Inc., and as an associate at Thompson Hine LLP. She earned her JD at Cleveland-Marshall College of Law. Linda holds a degree in economics from Miami University and an MBA. In 2017, Linda was named as both a “Woman of Influence” by HousingWire and as a “Leading Lady” by MReport.

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Chief Financial Officer

Joe Iafigliola

Joe Iafigliola is the Chief Financial Officer for Safeguard. Joe is responsible for the Control, Quality Assurance, Business Development, Accounting & Information Security departments, and is a Managing Director of SCG Partners, a middle-market private equity fund focused on diversifying and expanding Safeguard Properties’ business model into complimentary markets.

Joe has been in a wide variety of roles in finance, supply chain management, information systems development, and sales and marketing. His career includes senior positions with McMaster-Carr Supply Company, Newell/Rubbermaid, and Procter and Gamble.

Joe has an MBA from The Weatherhead School of Management at Case Western Reserve University, is a Certified Management Accountant (CMA), and holds a bachelor’s degree from The Ohio State University’s Honors Accounting program.

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AVP, High Risk and Investor Compliance

Steve Meyer

Steve Meyer is the assistant vice president of high risk and investor compliance for Safeguard. In this role, Steve is responsible for managing our clients’ conveyance processes, Safeguard’s investor compliance team and developing our working relationships with cities and municipalities around the country. He also works directly with our clients in our many outreach efforts and he represents Safeguard at a number of industry conferences each year.

Steve joined Safeguard in 1998 as manager over the hazard claims team. He was instrumental in the development and creation of policies, procedures and operating protocol. Under Steve’s leadership, the department became one of the largest within Safeguard. In 2002, he assumed responsibility for the newly-formed high risk department, once again building its success. Steve was promoted to director over these two areas in 2007, and he was promoted to assistant vice president in 2012.

Prior to joining Safeguard, Steve spent 10 years within the insurance industry, holding a number of positions including multi-line property adjuster, branch claims supervisor, and multi-line and subrogation/litigation supervisor. Steve is a graduate of Grove City College.

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AVP, Operations

Jennifer Jozity

Jennifer Jozity is the assistant vice president of operations, overseeing inspections, REO and property preservation for Safeguard. Jen ensures quality work is performed in the field and internally, to meet and exceed our clients’ expectations. Jen has demonstrated the ability to deliver consistent results in order audit and order management.  She will build upon these strengths in order to deliver this level of excellence in both REO and property preservation operations.

Jen joined Safeguard in 1997 and was promoted to director of inspections operations in 2009 and assistant vice president of inspections operations in 2012.

She graduated from Cleveland State University with a degree in business.

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AVP, Finance

Jennifer Anspach

Jennifer Anspach is the assistant vice president of finance for Safeguard. She is responsible for the company’s national workforce of approximately 1,000 employees. She manages recruitment strategies, employee relations, training, personnel policies, retention, payroll and benefits programs. Additionally, Jennifer has oversight of the accounts receivable and loss functions formerly within the accounting department.

Jennifer joined the company in April 2009 as a manager of accounting and finance and a year later was promoted to director. She was named AVP of human capital in 2014. Prior to joining Safeguard, she held several management positions at OfficeMax and InkStop in both operations and finance.

Jennifer is a graduate of Youngstown State University. She was named a Crain’s Cleveland Business Archer Award finalist for HR Executive of the Year in 2017.

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AVP, Application Architecture

Rick Moran

Rick Moran is the assistant vice president of application architecture for Safeguard. Rick is responsible for evolving the Safeguard IT systems. He leads the design of Safeguard’s enterprise application architecture. This includes Safeguard’s real-time integration with other systems, vendors and clients; the future upgrade roadmap for systems; and standards designed to meet availability, security, performance and goals.

Rick has been with Safeguard since 2011. During that time, he has led the system upgrades necessary to support Safeguard’s growth. In addition, Rick’s team has designed and implemented several innovative systems.

Prior to joining Safeguard, Rick was director of enterprise architecture at Revol Wireless, a privately held CDMA Wireless provider in Ohio and Indiana, and operated his own consulting firm providing services to the manufacturing, telecommunications, and energy sectors.

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AVP, Technology Infrastructure and Cloud Services

Steve Machovina

Steve Machovina is the assistant vice president of technology infrastructure and cloud services for Safeguard. He is responsible for the overall management and design of Safeguard’s hybrid cloud infrastructure. He manages all technology engineering staff who support data centers, telecommunications, network, servers, storage, service monitoring, and disaster recovery.

Steve joined Safeguard in November 2013 as director of information technology operations.

Prior to joining Safeguard, Steve was vice president of information technology at Revol Wireless, a privately held wireless provider in Ohio and Indiana. He also held management positions with Northcoast PCS and Corecomm Communications, and spent nine years as a Coast Guard officer and pilot.

Steve holds a BBA in management information systems from Kent State University in Ohio and an MBA from Wayne State University in Michigan.

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Assistant Vice president of Application Development

Steve Goberish

Steve Goberish, is the assistant vice president of application development for Safeguard. He is responsible for the maintenance and evolution of Safeguard’s vendor systems ensuring high-availability, security and scalability while advancing the vendor products’ capabilities and enhancing the vendor experience.

Prior to joining Safeguard, Steve was a senior technical architect and development manager at First American Title Insurance, a publicly held title insurance provider based in southern California, in addition to managing and developing applications in multiple sectors from insurance to VOIP.

Steve has a bachelor’s degree from Kent State University in Ohio.