John Seroka, President, Seroka Brand Development.  Highlights include:  trust factor is key; segment emails by needs and pain points; consistent uncanned approach; use of data to segment and do more with less in today’s marketplace.  With over 20 years’ experience, John’s company focuses on marketing, digital marketing, social media and and public relations for the mortgage and real estate industries. John was a former mortgage loan originator and past Chair of the California MBA Mortgage Innovation Committee.