Zyra Velline | CFA, CFP®, FPWM, CAS™
Chartered Financial Analyst · Certified Financial Planner® · Financial Planning & Wealth Management (Wharton Executive)
- 18+ yrs financial modelling
- Board‑certified fiduciary
- FINRA Series 65 (inactive)
- Founder, AmortizationChecker.com
“I built AmortizationChecker.com to bring clarity to loan calculations — because every borrower deserves to understand the math behind their payments.” — Zyra
Degrees
- MBA in Finance – NYU Stern School of Business (with honors)
- B.Sc. Economics, summa cum laude – University of Florida
- Executive Education: Financial Planning & Wealth Management – Wharton
- Certificate in Mortgage Lending – Cornell University
Global Certifications
- Chartered Financial Analyst (CFA) – CFA Institute, charter since 2012
- CERTIFIED FINANCIAL PLANNER™ (CFP®) – CFP Board
- Financial Planning & Wealth Management (FPWM) – Wharton Executive
- Certified Amortization Specialist (CAS™) – American Bankers Association
- Certified Mortgage Consultant (CMC) – National Mortgage Lenders
Degrees
- CFA Institute (member #14278)
- Financial Planning Association (FPA)
- National Association of Mortgage Brokers (NAMB)
- American Financial Association (AFA) — amortization research group
- Forbes Finance Council (official contributor)
Career & leadership
| 2021 – present | Founder & Lead Analyst, AmortizationChecker.com – created a suite of free amortization calculators used by 2M+ annual visitors. Oversee content accuracy, regulatory compliance, and user privacy. |
| 2014 – 2021 | VP, Mortgage Analytics at Fidelity National Financial – led a team of 12 analysts, developed proprietary amortization models for $3B loan portfolio. |
| 2008 – 2014 | Senior Financial Analyst, Wells Fargo Home Mortgage – specialized in loan amortization schedules, truth‑in‑lending disclosures, and compliance reviews. |
| 2005 – 2008 | Junior Analyst, Federal Reserve Bank of Atlanta – consumer credit & mortgage market research. |
Selected publications & expert contributions
- “The Psychology of Prepayment: Why borrowers misunderstand amortization” – Journal of Financial Planning, March 2025.
- “Amortization Schedules Under Rising Rates” – Forbes Finance Council, Jan 2026.
- “CFA Institute webinar: Advanced Amortization Techniques” (Feb 2026) – guest speaker.
- Regular columnist for Mortgage Professional America (quarterly column “Amortization Unlocked”).
- Co-author: “The Borrower’s Right to Know” – white paper for Consumer Federation of America (2024).
✉️ Reach Zyra directly
📍 6436 Bud Bexley Pkwy, Land O’ Lakes, FL 34638
📞 (601) 609-7001 (Zyra’s personal line, 9am–5pm ET)
📧 [email protected] – answered by Zyra or her privacy associate within 24h.
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