Leadership Team
David is the President and CEO of zIngenuity, Inc. as well as the majority shareholder. In 2005, David and Scott Allen founded the firm as a boutique consulting firm dedicated to servicing mortgage lenders and their captives regarding mortgage and mortgage insurance issues. Offerings included advisory, quantitative analysis and modeling, claims review, data management, and actuarial services.

Scott is a founder and Principal of zIngenuity, Inc. He directs most of his efforts towards strategic planning and business development. Scott enjoys life and works between rounds of golf. He retires pretty much annually, but is currently committed to working. Scott is available to consult with lenders, law firms and banking clients on strategic initiatives involving Mortgage Banking and/or Mortgage Finance.

Jeff, a Principal of zIngenuity, Inc., serves as the Company’s General Counsel and Chief Operating Officer. In these roles Jeff is responsible for Legal, Information Technology, Human Resources, Insurance, and Facilities.  Jeff also brings his extensive litigation experience to client engagements with zIngenuity's Litigation Support Services and Defense & Resolution Services.

Steve is Managing Director and Principal of zIngenuity, Inc. and is responsible for all of zIngenuity’s Services. In his leadership role, Steve oversees a number of teams including analytical, underwriting and appraisal professionals. Steve manages all client relationships and work products which span the scope of our services.  Additional functions include consulting with law firms and bank clients as an expert witness in litigation and arbitration proceedings.

Steve is Managing Director and Principal of zIngenuity, Inc. In this leadership role, Steve is responsible for developing and executing on new business and risk management opportunities with strategic partners in the residential mortgage space. Areas of focus include developing risk retention solutions to facilitate high loan to value mortgage originations as well as expansion of existing consulting and underwriting services for clients. Steve also manages zInsureRe, Inc., a Cayman Captive Reinsurance Company, which enables zIngenuity to provide reinsurance while also serving as an acquisition vehicle for existing mortgage captive reinsurance companies and trusts.


Joe is a Managing Director of zIngenuity, Inc., and comes to the firm with an extensive operational and executive management background developed at both large and expanding mortgage lender and servicing firms.  His depth of experience includes high-profile accounting/finance, credit risk, compliance, and project management positions across the financial services space.

Kyle is Vice President of Operations, overseeing all mortgage related services and client delivery for zIngenuity.  Kyle is a mortgage and banking industry veteran with over 20 years of experience in operations, compliance, quality control, finance, sales and technology.  Kyle has an extensive background in business performance improvement, business process improvement and change management.   


Bob Voll is Vice President of Business Development. In this leadership roll, Bob directs all business development efforts and marketing strategy and is supported by a team of dedicated senior consultants and mortgage professionals that serve zIngenuity’s mortgage analytics, defense and resolution, and mortgage outsourcing platforms. Bob is responsible for all sales and marketing, client development, customer engagement, and product and practice launches. Additional functions include public relations and industry outreach.

Brad serves as Vice President of Business Development with responsibilities to build key customer relationships, identify business opportunities, negotiate and close business deals.  Brad is also responsible for maintaining extensive knowledge of current market conditions and to provide clients with solutions and services that meet or predict current and future needs.  

Jen is Vice President of Human Resources. In this leadership role, she is responsible for all human resource and payroll functions. Her areas of responsibility include recruiting, employee relations, performance management, benefits, compensation and payroll.

Chris is a Senior Consultant with zIngenuity, Inc. As a technical professional in actuarial analysis and loss management for mortgage insurance, Chris assists our clients in actuarial studies and reviews, and manages our mortgage insurance claims payment audits. Chris also works with clients to interpret mortgage insurance master policies and to develop strategies to combat inappropriate contract rescissions.

Susan is a Director for zIngenuity Defense and Resolution Services. As such, she oversees teams of forensic underwriters in defending representation and warranty repurchase demands and mortgage insurance rescissions on behalf of our clients. Susan ensures that all claim allegations are addressed in our response letters and that they are supportive of the specified negotiation strategy of the client.

René is a Director for zIngenuity Defense and Resolution Services (ZIN DRS). René oversees teams of underwriters, and appraisers in defending representation and warranty repurchase demands and mortgage insurance rescissions on behalf of our clients. René also works with clients on developing and executing their negotiation and settlement strategies.

Elaine is the Director of Information Technology. She is a seasoned infrastructure director, project/program manager, CIO, and consultant with many years of experience in delivering projects in diverse environments, including higher education, healthcare organizations, businesses, and the public sector. She is a true information technology professional with ability to manage and deliver large, high profile, and multi-million dollar projects. Elaine has a proven track record of successfully managing projects, motivating teams to produce results, and exceeding goals.

Contact Us

For more information on our service offerings contact:

Bob Voll | (404) 771-1927

Brad Young | (972) 546-3841

For general information:

For employment opportunities: