Frank Pallotta has been a leader in the mortgage industry for more than 25 years and currently owns mortgage advisory firm Steel Curtain Capital Group, LLC. Through his key positions and senior capital marketing roles, he has been instrumental in building and leading some of the largest residential mortgage teams on Wall Street. During his time at companies such as Morgan Stanley, Credit Suisse and Goldman Sachs & Co., he helped lead those firms in the origination, sourcing, structuring and distribution of loans and securities. Pallotta also helped design the industry’s first private label rewards program tied to the payment performance of underwater mortgages. For his efforts, the program won TIME Magazine’s Top 50 Inventions of 2010 by employing the use of borrower behavior and incentive theory to dramatically reduce mortgage default rates. He is a graduate of St. John’s University in New York with a bachelor’s degree in Finance.