Product & Platform Leadership

Frank Barilone

Lead Product Manager, Wells Fargo Home Lending Servicing

Driving platform modernization and vendor strategy across an $8B mortgage servicing portfolio — turning regulatory complexity into buildable systems, business cases, and capital decisions.

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Frank Barilone
About

Background

Frank Barilone is a product and platform transformation leader with 15+ years in mortgage servicing, vendor strategy, and regulated technology environments. He currently leads product and vendor strategy for an $8B Home Lending Servicing portfolio at Wells Fargo, where his work spans platform modernization, large-scale vendor RFPs, business-case development, and governance frameworks built to meet rising regulatory expectations.

His background spans the full arc of mortgage servicing operations — from frontline team leadership and operations analysis to enterprise product strategy — giving him a systems-level view that connects boardroom decisions to what actually happens in day-to-day operations. He has directed enterprise RFPs covering $35M+ in technology and managed-service spend, and led vendor and platform decisions that delivered over $117M in annualized cost efficiencies.

Frank holds an MBA from the University of Redlands, where he received the Whitehead Leadership Award and served as cohort president, a Certified ScrumMaster (CSM) credential, and a Google Generative AI Leader certification. He’s a regular contributor on AI governance and regulatory intelligence in financial services, and currently serves as a formal industry reviewer for MISMO’s FRAME AI working group.

Outside of work, Frank is based in Eastvale, California.

Career

Experience

January 2020 – Present
Remote, California

Lead Product Manager

VP, Corporate Officer Rank

Wells Fargo Consumer Lending

  • Drive roadmap strategy for an $8B servicing portfolio, transitioning legacy operating models toward modular, API-first capabilities with stronger visibility into risk, cost, and performance.
  • Led a vendor decoupling initiative that replaced a complex third-party platform with an internally aligned solution, delivering $17M in annual savings through licensing reduction and workflow automation.
  • Direct RFP and vendor evaluation efforts for SaaS, managed services, and emerging technology solutions, incorporating financial modeling, risk scoring, and scalability analysis.
  • Define KPI frameworks covering adoption, cost-to-serve, operational risk, and service quality to guide executive decisions.
  • Partner across Product, Technology, Risk, Compliance, Finance, and Operations to align roadmaps and resolve cross-functional dependencies.
  • Implement governance and reporting frameworks supporting compliance with federal regulatory mandates.
2015 – 2020
San Bernardino (Hybrid), CA

Assistant Vice President, Senior Business Systems Consultant

Wells Fargo Servicing

  • Translated complex investor, operational, and regulatory requirements into technical product specifications for high-visibility servicing and preservation workflows.
  • Supported platform releases and SDLC execution for regulated servicing environments, improving release quality and operational stability.
  • Partnered with business, risk, and technology stakeholders to close process gaps and strengthen the end-to-end operator experience.
  • Advanced modernization efforts through process design, test readiness, and implementation support.
2011 – 2015
San Bernardino, CA

Operations Analyst

Wells Fargo Home Preservation

  • Developed data models, reporting frameworks, and portfolio performance analyses used by leadership to monitor operational health and prioritize interventions.
  • Produced structured insights informing resource allocation, performance management, and escalations across high-volume operations.
2008 – 2011
San Bernardino, CA

Team Lead / Supervisor

Wells Fargo Home Mortgage

  • Managed a team of 10–15 in high-volume mortgage collections and delinquency operations, ensuring service levels, productivity, and regulatory adherence.
  • Supervised queue management, escalations, quality oversight, and employee development while maintaining compliance with borrower-protection requirements.
Work

Selected Projects

Multi-Vendor Platform Modernization Strategy

Led a confidential modernization strategy to replace a complex third-party mortgage servicing platform, securing executive alignment and delivering $17M in annual savings through licensing reduction and workflow automation.

Vendor StrategyProgram GovernanceFinancial ModelingExecutive Communication

Enterprise Vendor & RFP Leadership

Directed five enterprise-scale RFPs covering $35M+ in technology and managed-service spend, balancing financial return, scalability, operational resilience, and regulatory alignment.

Vendor GovernanceRFP LeadershipRisk ScoringCapital Prioritization

Regulatory Governance Framework Design

Designed governance frameworks integrating SLA oversight, operational risk controls, regulatory requirements, and executive KPI reporting in response to heightened federal regulatory expectations.

Regulatory ComplianceGovernance DesignKPI FrameworksExecutive Reporting

Industry Standards Contribution — MISMO FRAME

Serve as a formal reviewer for MISMO’s FRAME AI working group, contributing industry feedback on AI governance standards adoption for mortgage technology, alongside published industry commentary on AI accountability in vendor contracts.

Industry StandardsAI GovernanceThought Leadership
Perspective

Writing & Thought Leadership

Regular contributor on AI governance, regulatory intelligence, and mortgage technology.

inLinkedIn

Industry Commentary & Professional Updates

Regular posts on AI governance in financial services, regulatory intelligence, mortgage technology trends, and platform product strategy.

View Profile →
HWHousingWire

AI Accountability in Mortgage Servicing Vendor Contracts

Contributor piece examining how AI governance clauses are reshaping vendor contract negotiations in regulated mortgage environments.

Link coming soon
Venture

BarinhallClosed

2024–2026

Barinhall was an AI governance and regulatory intelligence advisory practice Frank founded in 2024 to explore how regulatory complexity in financial services could be systematized into buildable, automated tools. Over its lifecycle, Barinhall combined orchestration platforms, LLM APIs, and structured data layers with human-in-the-loop governance to build repeatable intelligence and content systems. The venture has since closed, but its systems and lessons continue to inform Frank’s product and AI governance work today.

Regulatory Intelligence Pipeline

A multi-agent system ingesting updates from 10+ federal and industry regulatory sources, scoring impact across eight dimensions using Claude, and auto-publishing structured intelligence reports.

Client Compliance Portal

A client-facing portal delivering structured regulatory intelligence and compliance insights.

Workflow & Content Automation

Orchestrated publishing and content-intelligence pipelines connecting RSS ingestion, LLM-based analysis, and automated distribution.

Get in Touch

Contact

Open to Director-track product and platform leadership opportunities in mortgage technology, financial services, and regulated environments.

EmailFrank.Barilone.Jr@outlook.com
LinkedInlinkedin.com/in/frankbarilonejr
Download Resume (PDF)