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Julie Caggiano

General Counsel at Envoy Mortage, Ltd.

Julie R. Caggiano has been General Counsel of Envoy Mortgage, Ltd., a residential mortgage banker headquartered in Houston, Texas, since 2010. Envoy Mortgage has operations in 46 states and over 1,000 employees. She is the chief legal advisor to the senior management team and drives the strategic evolution of the legal function and internal compliance process.

Previously, Julie was Senior Vice President/Associate General Counsel for Sterling Bank (now Comerica Bank), where she provided legal support regarding bank regulatory compliance, mergers and acquisitions, human resources, and corporate and securities matters. Prior to that, Julie was Senior Vice President/Assistant General Counsel for Aegis Mortgage Corporation, a residential mortgage banker, where her responsibilities focused on the legal support of loan production operations, corporate operations, secondary marketing, loan servicing, compliance, and investor and warehouse relationships. Prior to going in-house, Julie was a partner with the law firm of Hughes Watters Askanase for over 15 years, where her practice concentrated on real estate, commercial and consumer financial services, and regulatory compliance.

Julie is a graduate of the University of Miami (B.B.A., Cum Laude), and the University of Houston (J.D., M.B.A.). She is President of the American College of Consumer Financial Services Lawyers, an active member of the Consumer Financial Services Committee of the ABA Business Law Section, on the Governing Committee of the Conference on Consumer Finance Law, and Co-Chair of the Regulatory/Compliance Committee of the Texas Mortgage Bankers Association. She was named one of Houston’s Top 50 Women in Law by the National Diversity Council in 2017.

Her previous positions include Chair of the Membership Committee of the ABA Business Law Section (54,000 members), Vice-Chair of the Consumer Financial Services Committee and Chair of the In-House Counsel Roundtable of the ABA Business Law Section, director of the Houston Bar Association Real Estate Section, and Treasurer of Commercial Real Estate Women (CREW) – Houston. She is on the Board of Directors of Houston Eye Associates Foundation and Vice President of the Board of Houston Delta Gamma Foundation and was previously President of the Board of Eye Care for Kids Foundation.