Richard's Experience
He has served as a Managing Director at a leading Wall Street firm and managed whole loan trading at a top-tier investment banking firm. He has been engaged as an expert in more than two dozen matters related to various aspects of the mortgage and financial industries. Clients are top-tier financial institutions, including federal agencies, bond trustees, hedge funds and major insurance companies. Mr. Payne has issued expert reports and has testified at depositions, arbitrations and trials.
Who We Are
Payne Advisory, LLC, with 40 years of Wall Street and Main Street experience, assists companies to proactively address issues that have derived from the mortgage crisis. Our areas of expertise are in litigation support, Capital Markets (invented I/Os and P/Os as an example), forensic loan file reviews and managerial and operational reviews of financial institutions.
What We Believe
The Payne Advisory team has worked together for at least 20 years. We believe that we take on each assignment with an unbiased approach aimed at deriving conclusions that will withstand the scrutiny of management or adversaries.


  • Litigation Support
  • Put-Back Reviews
  • Mortgage Risk Evaluation
  • Loss Mitigation Strategies
  • Merger & Acquisition Advisory
  • Operational Overviews
  • Warehouse Evaluations
  • Government Relations
  • Mortgage Capital Markets
  • Distressed Asset Reviews
  • Forensic Loan File Reviews
  • Corporate Valuations