FinTech Genius: ClearCloser Founder and CEO Kristine Viera’s Mission to Comprehensively Transform Mortgage Tech
Kristine Viera is the visionary founder and CEO of ClearCloser, a revolutionary platform in the mortgage technology and private lending space. Her unique blend of financial and technical expertise, combined with her innovative approach to problem-solving, has established her as a thought leader in the FinTech industry.
Viera's career began in construction finance with Vias, a subsidiary of Grupo ACS, where she managed large-scale financial operations for North America. This role provided her with valuable experience in managing financial operations and refining her skills in technology and process optimization. Viera later served as the CFO of a private lender in South Florida, where she achieved remarkable success by generating $7 million in originations within just 90 days. This milestone was achieved through her self-taught coding skills and the implementation of automation technology.
Viera's journey into coding began out of necessity to develop solutions for scaling mortgage operations. Her self-taught education, delving into building bots and automation using resources like Google and YouTube, revealed a significant gap between the language spoken by developers in finance and technology. Viera's ability to bridge this gap has been instrumental in creating solutions that directly tackle financial problems, often leading to innovative solutions that challenge traditional norms.
Viera was inspired to start ClearCloser after witnessing the inefficiencies and outdated processes in the mortgage industry. Her goal was to modernize the industry by leveraging technology and artificial intelligence to improve efficiency and accuracy. She was driven by the potential to not only enhance operations but also to have a broader impact on the industry by setting a new standard for mortgage transactions.
One of the significant challenges Viera faced with the launch of ClearCloser is overcoming the hesitation of established financial institutions to adopt new technologies. She addressed these challenges by educating decision-makers about the tangible benefits of ClearCloser's solutions, organizing workshops, webinars, and pilot programs to demonstrate the platform's capabilities. Her achievements include consulting for multi-billion-dollar financial institutions, creating a bi-directional API for loan sales, and launching an advanced mortgage platform that has transformed how mortgage transactions are conducted.
Viera's accomplishments have earned her recognition and accolades, including being named one of Brickell Magazine's Top 20 Professionals Under 40. She has also participated in the EndeavorLab sponsored by MasterCard and the Endeavor Pitch Competition sponsored by JP Morgan & Dell Technologies. Her work with ClearCloser has garnered high-profile endorsements, further validating the transformative potential of her technology.
Viera aspires to continue leading advancements in AI and FinTech, influencing industry standards, and expanding ClearCloser's global reach. She aims to inspire future generations, particularly young girls, to pursue careers in technology and finance. By becoming a recognized figure in technology, Viera hopes to shift societal perceptions and demonstrate that women can excel and lead in these predominantly male-led fields. Her goal is to prove that intelligence, innovation, and determination can break through any barriers, opening doors for the next generation.
Viera's journey has been anything but conventional. As an accountant by trade, she always approached her work with the mindset of "trust, but verify." Her experiences in the mortgage industry revealed a lack of verification processes, motivating her to start her own private lending business. Despite facing skepticism and resistance, Viera persevered, driven by the belief that there were more efficient and safer ways to conduct business. Her determination and innovative solutions have not only proven successful but have also garnered respect and validation from industry leaders.
Viera's work with ClearCloser is not just about building a company; it is about creating a legacy. By challenging existing paradigms and embracing creativity, Viera and her team have crafted solutions that redefine possibilities and set new standards in the mortgage industry. Her vision for ClearCloser includes transforming mortgage bonds into real-time, transparent investment assets and ensuring their performance, ultimately contributing to financial stability and preventing future market crashes.
Through ClearCloser, Viera continues to drive significant advancements in the financial sector, setting a new standard for transparency, efficiency, and accuracy in mortgage transactions.
