Tim Armbruster has a strong background in delivering strategic technology initiatives within the real estate and mortgage industries, as well as experience managing technology infrastructure and large software development teams.

Prior to joining cloudvirga, Tim was chief technology officer and SVP of product strategy for Woodfinn, maker of the cloud-based Woodfinn Compass ® appraisal management suite. Before that, Tim spent seven years as chief technology officer for ClosingCorp, the leading provider of residential real estate closing cost data and technology for the mortgage and real estate services industries.

Tim began his career at First American Corporation (NYSE: FAF), a Fortune 500 company that focuses on title insurance and real estate information services, where he was director of software development. While at First American, he built and managed large software development teams, both on and offshore, was responsible for the architecture of the company’s strategic Web services and websites, and had several positions including process manager, lead architect and director of software development.

Tim graduated from McPherson College with a bachelor’s degree in computer science and mathematics.

A seasoned corporate finance and operations executive, Dennis Liu is responsible for driving cloudvirga’s financial strategies to accelerate growth and profitability.

Dennis has extensive corporate finance experience in the mortgage and technology sectors and has held roles in operations and business development for several start-ups. Mostly recently, Dennis was vice president of finance and strategy for Altisource, where he oversaw financial operations, strategic planning and risk management for the company’s Mortgage Solutions business unit. Prior to joining Altisource, Dennis was co-founder and chief financial officer for Kyrus Mobile, a provider of mobile technologies designed to prevent distracted driving.

Dennis holds a bachelor’s degree in political science from Tufts University and a law degree from Suffolk University. He spent his early career as a corporate attorney for Bingham McCutchen and McCarter & English, where he specialized in providing business law services related to venture-capital financing, public-equity offerings and mergers and acquisitions. He also spent three years as an investment banker at Oppenheimer.

Bill Dallas is a visionary in the fintech industries, responsible for founding and managing more than a dozen mortgage startups and financial tech companies over the past 40 years. His first venture, First Franklin, grew to be one of the nation’s largest lenders and eventually sold for $330 million. Other hugely successful ventures include risk management solution Interthinx and lending process automation software company Mindbox, which Bill sold for $27 million and $20 million, respectively. Most recently, Bill sold a minority stake of Own It to Merrill Lynch for $500 million.

Although technology has disrupted and improved many industries, the antiquated mortgage lending process remains manual, slow and costly. Along with his co-founders, Bill created the intelligent Mortgage Platform (iMP), the enabling technology behind cloudvirga’s mortgage point-of-sale platforms which leverages data and an intelligent workflow to drastically cut the time and cost associated with closing a loan. The proven system, which has already processed more than $7 billion in loans, is successfully transforming home lending by digitizing, automating and simplifying the process for consumers, lenders and Realtors®.

Currently CEO of Skyline Home Loans, a top-50 mortgage lender, Bill serves as chairman of cloudvirga’s board of directors. He holds a law degree from Santa Clara University School of Law as well as an undergraduate degree from Bowling Green State University, where he graduated magna cum laude.

Kyle Kamrooz has 18 years of senior/executive management experience in residential mortgage lending. By age 25, Kyle had built one of the largest direct-to-consumer mortgage lending companies in Orange County. His next venture, a nationwide mortgage company, processed more than $7 billion in loans yearly and employed more than 500 employees.

Kyle witnessed first-hand the inefficiencies of the home loan process for both consumers and lenders and earned Direct Endorsement underwriting approval from the FHA to better understand the problem. While serving as executive vice president at top-40 lender Skyline Home Loans, Kyle developed the digital mortgage platform that would become cloudvirga.

Since co-founding cloudvirga in 2016, Kyle has led the company through multiple rounds of investment funding, set the vision for its flagship POS systems, forged partnerships with leading mortgage service providers, and signed eight of the top 40 non-bank mortgage lenders.

Kyle serves on Fannie Mae’s Technology Advisory Board and is a member of the Mortgage Bankers Association, where he has served on the Loan Production, Legal and Regulatory Compliance, and State Legislative & Regulatory committees.

Kyle’s thought leadership has been featured in TechCrunch and The Huffington Post. He was named one of Entrepreneur magazine’s inspiring tech entrepreneurs under 40.

Mark Attaway has over 25 years of executive and hands-on experience in delivering technologies that automate the real estate and mortgage industries. Before co-founding cloudvirga, he served as chief information officer for Skyline Home Loans, where he played a critical role in creating streamlined online origination processes for consumers and loan professionals. Before that, Mark co-founded the AQUA title decisioning and workflow system as chief information officer for LSI/ServiceLink, where Mark worked for ten years. Earlier in his career, Mark co-founded ACS Systems, Inc, which later became a wholly-owned subsidiary of Fidelity National Title, and served as president of interest transaction intermediary company Escrow.com.

For 20 years, Michael Schreck has built and led pioneering companies whose innovative technologies enable the world’s leading brands to better engage with their customers. He most recently served as managing director of Altisource Labs, an innovation center within mortgage software provider Altisource Portfolio Solutions. In that role, he was responsible for overseeing more than 1,000 employees across four next-generation software and analytics companies, including leading software-as-a-service providers Equator and Mortgage Builder.
Michael previously held CEO positions at digital publishing firm Zmags and government service provider Corrective Solutions. He also co-founded General Catalyst Partners, a multi-billion-dollar venture capital firm where Michael helped develop successful startups including Upromise, SmartBargains, m-Qube and CoreMetrics. Collectively, these companies were acquired for over $1 billion by SLM, GSI Commerce, VeriSign and IBM, respectively.
Michael started his career as a strategy consultant at McKinsey & Company and Monitor Company. He holds an MBA degree from Harvard Business School and a bachelor’s degree from Brigham Young University.