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Our Team

Sandra Madigan and Monique Riccobelli bring complementary expertise and over 40 years of combined experience in mortgage technology, product development, and financial services strategy.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.
Sandra Madigan and Associates Headshot founder and CEO

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.

Monique Riccobelli Profile Image.jpg

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.

Our values

Our approach is professional, candid, and focused on delivering actionable insights that move the needle for your organization.

  • Integrity

  • People

  • Velocity

  • Flexibility

  • Vision

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