A mortgage leader and industry advocate for more than 25 years, Bob has extensive experience in all facets of the lending industry. Prior to his current role as a regulatory compliance advisor, he served as the Nationwide Mortgage Licensing System (NMLS) Ombudsman, providing industry users of NMLS and other interested parties with a neutral venue to discuss issues or concerns regarding NMLS use and policies. As deputy superintendent for the Ohio Department of Commerce’s Division of Financial Institutions, Mr. Niemi previously served as Ohio’s chief lending regulator.