As the Mortgage Advisory Leader at KPMG, Julie Midgley specializes in front and middle office operations transformation for the mortgage industry. With 17 years of experience in the secondary mortgage market, she has successfully led numerous transformation engagements. Julie represents the firm at both the Mortgage Bankers Association and the Mortgage Industry Standards Maintenance Organization (MISMO). She is skilled in developing and leading large cross-functional teams to manage complex programs, leveraging her deep industry knowledge and experience. Julie also excels in developing, applying, and coaching on innovative technology and generative AI solutions, including the Intelligent Modernization Toolkit from KPMG, to modernize and accelerate transformation programs.