Photo: Mark Casale

Mark A. Casale

Chairman, President & CEO

Mark A. Casale is the founder, Chief Executive Officer and Chairman of the Board of Directors of Essent Group Ltd. (NYSE: ESNT). Mr. Casale has more than 25 years of financial services experience, which includes senior roles in mortgage banking, mortgage insurance, bond insurance and capital markets.

Founded in 2008 by Mr. Casale with $500 million of equity funding, Essent Group Ltd. has grown to a market capitalization of approximately $5 billion and manages more than $200B of insurance in force. Under Mr. Casale’s leadership, Essent has become a leading mortgage insurer and reinsurer serving as a trusted and strong counterparty to lenders and GSEs and has enabled over two million borrowers to become homeowners. Mr. Casale continues to evolve the franchise using risk-based pricing and AI-driven analytics to support his core mission of prudently growing shareholder value and promoting affordable and sustainable homeownership.

Mr. Casale also champions Essent’s philanthropic mission, supporting local and national organizations centered around children, housing, health and education. He currently serves as a member of the Board of Trustees for St. Joseph’s University, La Salle College High School and the Academy of Notre Dame de Namur.

A native of the Philadelphia region, Mr. Casale holds a BS in accounting from St. Joseph’s University and an MBA in finance from New York University.

Photo: Vijay Bhasin

Vijay Bhasin

Senior Vice President, Chief Risk Officer

Vijay has served as Senior Vice President and Chief Risk Officer since 2009. He has significant mortgage finance industry expertise, including holding multiple senior management positions specializing in mortgage risk, modeling and analytics.

From 2006 to 2008, Vijay served as a managing director of Countrywide Financial Corporation/Bank of America, a mortgage lender, with responsibility for capital assessment, asset liability management, counterparty credit risk measurement and structured credit analytics. Earlier in his career, he held several management positions with Freddie Mac, including vice president for credit and prepayment modeling, and held research positions with Fannie Mae and the Board of Governors of the Federal Reserve System.

Vijay holds a BS in mechanical engineering from the National Institute of Technology, Kurukshetra, India, an MBA in finance and marketing from Southern Illinois University, and a PhD in finance from Indiana University, Bloomington.

Photo: Christopher Curran

Christopher G. Curran

Senior Vice President, Corporate Development

Chris has served as Senior Vice President of Corporate Development since 2011. He has more than 24 years of experience in mortgage banking and financial services in the areas of financial management, pricing, asset valuation, capital markets, operations and originations.

Most recently Chris served as senior vice president of pricing and operations for a mortgage insurer, where he also led their capital markets group.

He has also served in a variety of leadership positions with JP Morgan Chase and Advanta at both the corporate and business levels. Chris’ areas of responsibility included residual and mortgage servicing valuation, investor relations, corporate development, secondary marketing and corporate controller. He began his career as a CPA with Arthur Andersen LLP, specializing in financial services and securitization.

Chris holds a BS in accounting from LaSalle University.

Photo: Mary Gibbons

Mary Lourdes Gibbons

Senior Vice President, Chief Legal Officer, Secretary

Mary has served as Senior Vice President, Chief Legal Officer and Secretary since 2008. She has more than 20 years of experience in the mortgage industry.

From 2003 to 2008, Mary served as chief legal officer of Wilmington Finance, Inc., a mortgage lender. She began her career at the U.S. Bankruptcy Court and White and Williams LLP, a law firm. Mary’s mortgage-related experience includes senior roles at ContiMortgage Corp. and Advanta Mortgage Corp.

She holds a BS in marketing from St. Joseph's University and a JD from The Delaware Law School.

Photo: Ted Gray

Ted Gray

Senior Vice President, Chief Information Officer

Ted has served as Senior Vice President and Chief Information Officer since 2009. He has more than 25 years of experience serving Fortune 500 companies in the area of information technology, including 17 years in mortgage and financial services.

Before joining Essent, Ted served as a vice president of business systems solutions, overseeing application development and delivery to enhance risk management capability and improve operational efficiency.

His experience also includes senior management positions with GMAC Mortgage, SunTrust Mortgage, and BearingPoint Consulting, where he focused on information technology strategy, architecture, delivery, and management.

Ted holds a BS in management information systems from Indiana University of Pennsylvania.

Photo: Bill Higgins

Bill Higgins

Senior Vice President, Strategic Initiatives

Bill has served as Senior Vice President for Strategic Initiatives since 2014. He has more than 30 years of wide-ranging experience in the banking, mortgage and financial services industries, covering areas of financial management, capital markets, credit and mortgage operations.

From 2006 to 2012, Bill was a member of ING Direct USA’s senior management team, serving as chief lending officer. His mortgage-related experience includes various senior positions in finance, operations, credit and capital markets at ContiMortgage Corp. Bill began his career as a CPA with KPMG LLP, specializing in financial services and mortgage banking.

He holds a BBA in accounting from the University of Notre Dame.

Photo: William D. Kaiser

William D. Kaiser

Senior Vice President, Chief Operations Officer

Bill has served as Senior Vice President and Chief Operations Officer since 2009. He has more than 25 years of experience in the areas of operations, technology and finance.

Before joining Essent, Bill’s served as senior vice president of operations of a nationwide mortgage insurer, with responsibility for the field underwriting organization, centralized operations, quality assurance, and other service-related functions.

Prior to that, he served as vice president of business solutions for a nationwide mortgage insurer, where he developed and implemented solutions for improved business performance with an emphasis on advanced technology. Bill has also managed mortgage-lending retail and wholesale channels, as well as a broad range of staff support functions for financial services companies.

He holds a BS in business administration from Boston University.

Photo: Lawrence E. McAlee

Lawrence E. McAlee

Senior Vice President, Chief Financial Officer

Larry has served as Senior Vice President and Chief Financial Officer since 2009. He has over 25 years of experience in the areas of finance, accounting, controls and risk management.

Between 2002 and 2009, Larry held a series of senior management positions at Sovereign Bancorp, Inc., including serving as its chief accounting officer, general auditor and chief enterprise risk management officer. Prior to joining Sovereign he was a partner with Arthur Andersen LLP.

Larry holds a BS in accounting from St. Joseph's University and is a certified public accountant.