2023 HW Vanguard: Bernadette Kogler

Bernadette Kogler

Bernadette Kogler is CEO and co-founder of RiskSpan, a data and analytics firm serving mortgage investors, traders and others in the origination, servicing and secondary marketing space. During the past year, Kogler has presided over record growth in the adoption of RiskSpan’s Edge Platform. She is a visionary leader who is constantly innovating and finding new ways to improve the industry by encouraging cloud and other novel forms of technology adoption — something the housing finance industry has historically been slow to do. She is also a strong advocate for diversity and inclusion, working to make the housing industry more accessible to everyone. Kogler is a dynamic, hands-on executive with a unique ability to oversee complex technical initiatives while also managing the day-to-day operations of a growing firm with over 100 employees. Her deep range of experience spans the entire lending lifecycle, from loan origination to servicing, to capital markets transactions and asset management. As a respected leader on mortgage finance issues, she has authored several articles and research studies for a variety of clients. Kogler co-founded RiskSpan’s SmartLink Lab, which brings innovation to clients in the lending and securitization markets. Under Kogler’s leadership, RiskSpan has developed a powerful, flexible and affordable way to organize mortgage data, models and forecasts to maximize investment returns. Her company sits uniquely at the intersection of data, modeling and innovation, and offers reliable and ready-to-use data, transparent models, analytics that scale and deep domain expertise that can be leveraged on-demand.

What’s the best advice you’ve ever received?

My old friend Laurie Goodman, director of the Urban Institute’s Housing Finance Policy Cente, said to figure out the balance that works for you between your personal life and your work life, realizing that you can’t be all things to all people all the time. There are times when you will spend more time on your work life and times when you will spend more time on your home life. You can’t be a super performer at both all the time. Don’t beat yourself up for that part of your life where you feel you are underperforming.


Bernadette Kogler


Co-Founder and CEO

Company Name:


3d rendering of a row of luxury townhouses along a street

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