Tiffany Fletcher is Chief Operating Officer of VRM Mortgage Services, where she leads operational strategy, performance, risk management, and client service initiatives. With more than 25 years of experience in mortgage lending, property management, and default servicing, she is known for driving operational excellence, improving compliance, reducing costs, and building high-performing teams. Prior to VRM, Tiffany served as Senior Vice President of Operations at Bank of America and spent 15 years at Fannie Mae, including as Vice President of Credit Loss Management. She holds a Bachelor of Business Administration from the University of Houston, an MBA from Amberton University, and a Juris Doctor from Texas A&M University School of Law. Tiffany brings a unique blend of business, legal, and operational expertise, and is passionate about developing talent, fostering innovation, and delivering sustainable organizational growth.