“I’m motivated by the passion our team has for helping older homeowners.”

- Reza Jahangiri
CEO, American Advisors Group


Reza Jahangiri

Chief Executive Officer

Reza Jahangiri

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Reza Jahangiri

Chief Executive Officer

Reza is the founder and chief executive officer of AAG, the nation’s leader in reverse mortgage lending, and an Orange County Top Workplace since 2013. AAG’s unparalleled brand platform is built upon its highly-recognized national advertising campaign featuring Emmy-award winning actor Tom Selleck. Reza serves as co-chairman of the National Reverse Mortgage Lenders Association board of directors, the national voice of the reverse mortgage industry. Reza also serves as chairman of the board for Willow International, a non-profit organization dedicated to preventing and rescuing victims of human trafficking in Uganda. Prior to founding AAG, Reza was president and CEO for several healthcare service companies focused on imaging for the early detection of heart disease and cancer. Reza earned a Bachelor of Science degree from the University of California, Irvine and a Juris Doctor degree from Loyola Law School in Los Angeles, California.

Martin Lenoir

Chief Operating Officer &
Chief Marketing Officer

Martin Lenoir

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Martin Lenoir

Chief Operating Officer &
Chief Marketing Officer

As chief operating officer, Martin is focused on making sure AAG’s key initiatives are well resourced and managed to ensure that the company delivers on its transformation into a senior home equity solutions provider. In his chief marketing officer role, Martin is also responsible for the entire enterprise-wide marketing function, including call center operations, digital marketing, marketing operations, lead generation, financials, and analytics. Martin joined AAG in 2014 with 15 years of experience managing high-performing teams and maximizing marketing performance to grow sales. He has driven highly-successful direct-to-consumer marketing campaigns for blue chip organizations like DISH Network, New York Life, Kaiser Permanente, and Capital One. Martin earned his Bachelor of Science degree at the University of Pennsylvania and Master of Business Administration degree from the University of Texas at Austin.

Matt Engel

Chief Financial Officer

Matt Engel

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Matt Engel

Chief Financial Officer

As chief financial officer, Matt is responsible for the finance, treasury, capital markets, servicing and accounting aspects of the company. Matt has 24 years of experience in corporate finance and accounting for both public and privately-held organizations. Prior to joining AAG in April 2014, Matt served as executive vice president of finance for Newmark Grubb Knight Frank (a commercial real estate services company), chief financial officer of Option One Mortgage Company (a sub-prime mortgage lender that originated $27 billion of mortgage loans in 2007 and serviced loans totaling $67 billion), and chief accounting officer of H&R Block, Inc. (parent company of Option One). He began his career as an auditor with Price Waterhouse and also served in various financial roles with DST Systems, Inc. Matt earned a Bachelor of Arts degree in accounting from the University of Northern Iowa and is a certified public accountant (inactive, Missouri).

Paul Fiore

Chief Retail Sales & Operations Officer

Paul Fiore

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Paul Fiore

Chief Retail Sales & Operations Officer

As chief retail sales and operations officer, Paul oversees sales and operations for AAG's centralized retail sales channel. Since joining the company in 2009 as executive vice president of retail sales, Paul has helped transform AAG into the largest retail originator in the industry. Prior to joining AAG, Paul was the chief learning officer at Senior Lending Network (World Alliance Financial). He serves on the board of the National Reverse Mortgage Lenders Association and has been a featured speaker at various NRMLA and MBA meetings on the topic of effective reverse mortgage sales strategies. Paul earned his Bachelor of Arts degree in marketing from the New York Institute of Technology.

Rebecca Pacillas

Senior Vice President,
Human Resources

Rebecca Pacillas

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Rebecca Pacillas

Senior Vice President,
Human Resources

As senior vice president of human resources, Rebecca is responsible for the strategic planning, leadership and operational management of all human resources, including talent acquisition, learning & development, benefits, and performance management. Rebecca has more than 20 years of human resources experience. Before joining AAG in November 2012, she directed the HR function at RMA Land Construction, and prior to that, served as vice president of human resources for TOMRA North America. Rebecca studied human resources management at University of California, Riverside.

Rick Lieber

Chief Risk Officer

Rick Lieber

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Rick Lieber

Chief Risk Officer

As chief risk officer, Rick is responsible for AAG’s enterprise risk functions, including compliance, licensing, exam coordination, quality control and other disciplines. His focus is to ensure AAG has an effective risk and control environment that can scale as the company grows. Prior to joining AAG in June 2017, Rick was the senior vice president of enterprise risk management for OneWest Bank. Before that, he served as OneWest’s chief compliance officer and chief loan review officer. Earlier in his career, Rick managed CIT Bank’s $5B Community Reinvestment Act commitments, and held leadership positions at IndyMac Bank and Bank of America. He earned his Bachelor of Arts degree in Economics from UC Santa Barbara and a Master of Business Administration degree from NYU’s Stern School of Business.

Kimberly Smith

Senior Vice President,
Wholesale

Kimberly Smith

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Kimberly Smith

Senior Vice President,
Wholesale

As senior vice president of wholesale lending, Kim is responsible for the production and growth of AAG’s wholesale division. Prior to joining AAG in January 2013, Kim was the executive vice president of sales at Generation Mortgage where she oversaw all sales operations for the top-five reverse mortgage lenders. Kim began her career in the reverse mortgage industry in 2004 working for Financial Freedom where she was quickly promoted to western regional manager of wholesale sales. She then went on to serve as senior vice president of wholesale lending for One Reverse Mortgage. Kim graduated magna cum laude from California Polytechnic State University, San Luis Obispo, with a major in business administration and minor in economics.

Jesse Q. Allen

Executive Vice President,
Alternative Distribution

Jesse Q. Allen

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Jesse Q. Allen

Executive Vice President,
Alternative Distribution

As executive vice president of alternative distribution, Jesse is accountable for vision, strategy, and execution for AAG’s national field sales and wholesale mortgage originations business. Jesse has 30 years of experience in financial services across mortgage, consumer, and business banking. Prior to joining AAG in September 2016, Jesse served as SVP of sales enablement and execution for Bank of America’s home loans retail sales division where he oversaw the Bank’s builder and realtor relationships, sales performance, and implementation of strategic change. He previously served as head of Bank of America’s reverse mortgage business, one of the largest platforms in the history of the industry. Jesse also held senior level roles in consumer banking with Citibank. He earned his Bachelor of Business Administration from Pace University in New York, graduating summa cum laude.

Austen Verst

Chief Strategy Officer

Austen Verst

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Austen Verst

Chief Strategy Officer

As chief strategy officer, Austen is helping AAG create a more objective data-driven business model focused on analytics and metrics to optimize and drive the business. Austen joined AAG in January 2007 and is the second longest tenured employee with the company. He has directed numerous functional areas within AAG, including sales, marketing, training, IT, customer service and business development. Austen began his career as a financial analyst for a Fortune 500 technology company and holds a degree in industrial engineering from California Polytechnic State University, San Luis Obispo.

Michael Josephs

Chief Information Officer

Michael Josephs

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Michael Josephs

Chief Information Officer

As chief information officer, Michael is responsible for the mission-critical technology platforms that support the company's business, ensuring the safety and security of its systems and the data that runs on them. He also oversees the execution of key initiatives to further scale, optimize, and continuously improve AAG's capabilities. Michael joined AAG in January 2016. His career spans more than 25 years in the technology space, with software development start-ups as well as various CIO roles with Fortune 500 companies. His experience includes the delivery of complex financial systems for E*TRADE Financial, for the e-commerce lending division of Triad Financial, and managing IT platforms for agencies working in our national interest. Michael earned a Bachelor of Science degree in computer science and philosophy from the University of Maryland, College Park.

Jules Vogel

Chief Legal Officer

Jules Vogel

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Jules Vogel

Chief Legal Officer

As chief legal officer, Jules oversees AAG’s legal department, enterprise risk management department and the internal audit department. He also leads AAG Residential Services, a California licensed real estate brokerage subsidiary of AAG that was launched in August 2017. Prior to joining AAG in February 2016, Jules served on the executive teams at prominent mortgage lending and servicing organizations including IndyMac, OneWest and its reverse mortgage servicing division, Financial Freedom. He also previously ran, for seven years, a mortgage origination business unit, including managing back-office lending operations. Jules has a Bachelor of Arts degree from Pitzer College in Claremont, California and a Juris Doctor degree from Columbia University, School of Law in New York.