Convention Speakers



Ralph A. Gagliardi

Ralph is an Agent-in-Charge at the Colorado Bureau of Investigation.  He oversees the Identity Theft/Fraud, Cyber Crime, and Gaming / Organized Crime Units. He has worked in law enforcement for over 27 years.  Ralph is an expert in complex fraud and organized-crime investigations, and related undercover operations. Presently, Ralph’s various teams focus on criminal activity that span multiple state and national jurisdictions. The ID Theft and Cyber Crime Units investigate such things as, Business Email Compromise’s, Business Identity Theft, money mule schemes and other cyber related frauds.  Crime prevention and timely response is critical in these types of schemes and Ralph’s team has made this a top priority.  Coupling this approach with community education and industry best practices has saved Colorado Victims hundreds of thousands of dollars. He is a Certified Fraud Examiner (CFE) and a member of the National Association of Certified Fraud Examiners as well as the local Colorado CFE chapterMe, which features his popular poem of wellness advice. And he has a CD and DVD, too! And some pretty cool T-shirts!

Michael Holden

Vice President Strategic Agency Manager, North American Title Insurance Company

Michael has been serving the title industry since 1989. Michael received his Bachelor’s degree from the University of Missouri and has previously owned and operated a large title agency in Missouri. Prior joining NATIC, he worked for two different regional underwriters as national agency manager. As active member of ALTA, Michael serves on several committees and has previously served on the agents’ section to the board of governors. Michael has been a speaker for several state land title association conventions and helps provide CE classes to title agents in the Midwest. Michael has a wealth of knowledge about the history of the land title industry in the United States and publishes a monthly article titled: “The Ramblings of a Title Man.” In 2007 he was recognized as “Top 40 under 40” by The Title Report™. In 2014, his first book, also titled “The Ramblings of a Title Man” was released.  He, or a member of his family, has worked in the title industry continuously since 1920.

Rachael Owens

Rachael is responsible for the management, program design, marketing, servicing, and coordination of executive liability coverages, including directors and officers, employment practices, fiduciary liability, crime, cyber, and miscellaneous professional liability product lines for Lockton clients in Denver.





Daniel Mennenoh

Daniel D. Mennenoh began his career in the title insurance industry in January 1982 when he joined Galena, Ill.-based H. B. Wilkinson Title Company, a privately held title agency established in 1883 in Morrison, Ill. He was named president of the company in 1996 upon the retirement of his father, John Mennenoh.

In addition to being a member of the ALTA Board of Governors and the association's president-elect, Mennenoh serves on the Abstracters and Agents Section Research Committee, Planning Committee, Best Practices Executive Committee and Congressional Liaison Committee. He's also the Board Representative to the Membership and Organization Committee and is a member of the Title Action Network.

Mennenoh formerly served as director of the Illinois Land Title Association (ILTA) and served as its president from 1998 to 1999. He continues to participate on numerous committees for ILTA. In 2006, Mennenoh was elected to the Board of Directors for the Title Industry Assurance Company (TIAC). He currently serves as TIAC's president and Board chairman.

S. Lorrie Ray

Director of the Membership Development Department at Mountain States Employers Council, Inc.

Lorrie's experience in the variety of problems typically facing employers includes resolution of civil rights cases before state and federal administrative agencies, federal wage and hour disputes and state law claims, employment discrimination, wrongful discharge and health and safety laws.  She is also a frequent lecturer on employment law matters, human resources issues, and organizational development topics.

Previous to working at MSEC, Lorrie worked at the U.S. Department of Labor Office of the Solicitor for a little over three years, prosecuting wage and hour cases for the Department.

Michael Wigge

Wigge has been working as a reporter and writer for fifteen years, for both private and public broadcasters. His work is characterized by a mixture of journalism and entertainment. His specialty lies in cultural issues, which he examines in a very entertaining way.

In 2009, Wigge received the ZDF VJ Award in the category ‘Best Newcomer Video Journalist’. In 2010, ‘How to Travel the World for Free’ became the first collaboration with ZDFneo and was also published as a book. The documentary series (5 x 30 min., ZDFneo broadcasted May / June 2010) was awarded with the Accolade Award of Merit for Best Feature Documentation in the U.S. in 2011 and was nominated for the Grimme Award 2011 in the ‘entertainment’ category. The series was renamed ‘How to Travel the World for FREE’ for the international market.

In 2011, Wigge produced the TV series ‘Wigges Tauschrausch’ (How to Barter for Paradise). For this experiment he traveled the world, ultimately bartering an apple into a house in Hawaii. The series was broadcast as six 45-minute documentaries, and was published as a book.

In 2012, he began working as motivational speaker & published the book ‘How to Travel the World for FREE’ worldwide and the series was broadcasted on numerous PBS channels in the U.S.. Wigge appeared on the Tonight Show with Jay Leno and Katy Perry. Later on his story was featured in the LA Times, USA Today and the Today Show.

Learn more about Michael on his web site



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