As Chief Operating Officer at The Money Source LLC, Rick Toma brings expertise from his experience at Cendant Corporation where he played a key role in the development of the national Preferred Alliance Program as well as his experience with NRT where he executed transaction related services in the mortgage, title and warranty sectors. As Deputy Director of the Office of Lender Activities and Program Compliance at the FHA during the financial crisis and mortgage industry meltdown, Rick led the operational execution of Final Rule 5356, the largest piece of FHA Lender Reform action. He is a Bronze Star Veteran of the Persian Gulf War and has been published in Scotsman Guide.