[ca_audio url_mp3='http://blogtalk.vo.llnwd.net/o23/show/5/660/show_5660005.mp3' css_class='codeart-google-mp3-player' autoplay='false' download='false' html5='false']Richard is a Senior Vice President in the Operational Risk Assessment Group at Morningstar. He is responsible for overseeing the development and publication of all residential mortgage and consumer finance industry-related evaluation and ranking criteria.
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