Vivien Rayam

Vivien Rayam is Senior Director of Business Development at MMI, the largest provider of nonprofit financial counseling and education in the United States. She specializes in developing and managing the fee-for-service programs at MMI and its Clearpoint division. Vivien also develops and expands existing local and national partnerships. She has worked in the housing industry for nearly 15 years.

A strong advocate of financial education, Vivien managed Peer Learning and Communications for the National Foreclosure Mitigation Counseling (NFMC) Program, an $853 million initiative that supported up to 1,700 housing counseling agencies and helped over two-million homeowners mitigate foreclosure. At MMI, Vivien provides oversight for MMI’s Financial Solutions Program, a highly customizable education program for credit unions and employers, aimed at increasing productivity, reducing healthcare costs, improving morale, reducing turnover, and creating more financially stable consumers and employees.

Based at MMI’s contact center in Atlanta, Vivien has been sourced as a subject matter expert on predatory lending and income and racial disparity issues in housing. She has presented at numerous conferences and assemblies, including the National Association of Housing Counselors & Agencies, Federal Reserve Bank of Boston, U.S. Department of Housing and Urban Development, National Housing Conference, and several state events. Vivien received a Senate Citation for her leadership in the passing of anti-predatory legislation in Rhode Island.

Vivien’s areas of expertise include: predatory lending, foreclosure prevention, lending disparities, financial wellness, and business development. Vivien is available for speaking engagements throughout the United States and can be booked by contacting Thomas Nitzsche at 404.490.2227.

LinkedInConnect with Vivien on LinkedIn

  • The Consumer Federation of America (CFA) is an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.

  • Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

  • The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.