Our Team
Sandra Madigan, Kevin Foster, and Monique Riccobelli bring complementary expertise and over 70 years of combined experience in mortgage technology, financial services, product development, and strategic account leadership. Whether you're navigating a critical product decision, planning a digital transformation, evaluating strategic opportunities, or seeking to deepen relationships with key clients, our team brings the combination of industry expertise, strategic thinking, and hands-on operational experience that turns vision into results.
About Sandra Madigan
Founder & CEO, S Madigan & Associates
Sandra Madigan is a strategic consultant and digital transformation leader with over 20 years of experience driving innovation and operational excellence in financial technology. She specializes in helping mortgage lenders and software providers navigate complex challenges, accelerate product development, and achieve measurable business outcomes.
As Founder and CEO of S Madigan & Associates, Sandra partners with leadership and C-suite executives across all company sizes to address mission-critical priorities in product management, SaaS strategy, digital transformation, mortgage origination and servicing, M&A decisions, and market positioning.
Sandra most recently served as General Manager and VP of Servicing Technologies at InterContinental Exchange (ICE Mortgage Technology) In this role, she led comprehensive business transformation spanning people, processes, and technology, overseeing an enterprise-wide technology portfolio while delivering consistent year-over-year revenue growth through strategic initiatives including organic market share expansion, new product development, and targeted M&A activities.
Throughout her tenure in leadership roles at ICE/Black Knight, Sandra directed enterprise product strategy, managed operations across multiple business divisions, and established industry thought leadership through published articles in premier trade publications including MBA Insights, National Mortgage News, and American Banker, along with regular speaking engagements at leading industry conferences and podcasts.
Sandra combines strategic vision with hands-on execution. She excels at turning complex challenges into strategic opportunities through bold problem-solving, skillful negotiation, and resourceful innovation. Her approach centers on adding tangible value through superior execution while remaining flexible enough to embrace new perspectives that drive measurable business outcomes.
Sandra believes that the most valuable consulting work happens when strategy meets execution. She partners with clients not just to develop recommendations, but to help implement solutions that drive real, measurable business impact. Whether you're navigating a critical product decision, planning a digital transformation, or evaluating strategic opportunities, Sandra brings the combination of industry expertise, strategic thinking, and hands-on operational experience that turns vision into results.
About Monique Riccobelli
Partner, S Madigan & Associates
Monique brings over 20 years of deep mortgage and banking expertise to S Madigan & Associates. With extensive experience across origination, servicing, and financial operations, Monique partners with leadership teams to develop strategic roadmaps, optimize organizational performance, and navigate complex mortgage market dynamics. Her background spans roles in product strategy, operations, and business development, giving her a comprehensive understanding of the mortgage ecosystem and the challenges facing lenders and servicers of all sizes. Monique's collaborative approach and market knowledge complement Sandra's technology and transformation expertise, enabling the firm to deliver well-rounded strategic guidance.
About Kevin Foster
Kevin Foster is a strategic business development and account leadership executive with over 30 years of progressive experience in financial services and fintech. Throughout his career, Kevin has demonstrated expertise in managing strategic accounts with full P&L ownership, driving software and services growth for marquee financial institutions with $100 billion to $2 trillion in assets. His account management capabilities span contract negotiations, pricing optimization, and client satisfaction while developing and executing comprehensive growth plans.
During his 18+ years at Black Knight Financial Services, Kevin established himself as a trusted senior account director, managing the firm's most critical client relationships and driving significant revenue growth through strategic account expansion and solution development.
Kevin's broader career trajectory reflects deep expertise in building and scaling high-performing teams and managing complex client relationships. During his nine years at Fidelity National Information Services, he led operational management of a 250-person team of consultants, developers, and business analysts while driving solution development, strategic growth initiatives, and delivery excellence for enterprise clients. His earlier tenure at Ford Motor Credit Company in sales, marketing, and business development, coupled with rotations in internal audit and operations, provided foundational expertise in organizational dynamics and financial acumen.
Known for his consultative approach and ability to navigate complex corporate environments, Kevin excels at anticipating client needs, aligning organizational capabilities, and building enduring partnerships with C-level executives. His track record of sustained account expansion, revenue growth, and client satisfaction positions him as a trusted strategic partner capable of identifying and capitalizing on new opportunities within sophisticated financial services organizations.
Our values
Our approach is professional, candid, and focused on delivering actionable insights that move the needle for your organization.
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Integrity
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People
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Velocity
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Flexibility
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Vision