Forensic Escrow Services
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Escrow Expert Witness and Consulting Services

Anita Rubeck, or Forensic Escrow Services may not be designated formally or informally as an expert or consultant until Anita Rubeck, has received an advance fee.

Anita Rubeck, CSEO, CEI
Forensic Escrow Services

phone (510) 709-5318

Over 40 years experience in the escrow industry.  Range of specialties focus on analysis of files for application of industry standards, forms, practices and balancing of escrow transactions.

Professional Experience

  • Advisory to Escrow Holders and Compliance Officers concerning issues arising from escrow transactions
  • Auditing escrow files for processing and clearing of escrow claims
  • Investigated and reported employee embezzlement to law enforcement agencies
  • Deposed as person most knowledgeable on escrow matters
  • Managed the California Escheat and Post Closing Departments
  • Created company program for statewide auditing of escrow files
  • Worked with the title underwriter seeking approval on extra risk transactions
  • Implemented and delivered to title and escrow personnel, escrow operations managers, company policies and practices
  • Responded to California Department of Insurance inquiries concerning consumer complaints
  • Filed escrow rates with the California Department of Insurance
  • Edited and/or drafted company documents including general provisions
  • Conducted real estate related transactions from beginning to close.  Types of transactions included tracts, reverse exchanges,phase I and II exchanges, refinances, short sales, construction loans, equity lines of credit, assumptions, 'subject to', seller-carry-back, AITD, additional advances, note sales, vacant land Deeds of Trust secured by multiple property, all cash, and commercial property

“Sir Sagamore Appreciates the Homeowners Policy of Title insurance”, and “Hitting Just the Right Notes During the Escrow Symphony”, CEA News Winter 2019

“The SB2 Recording Fee Conundrum”, CLTA Claims Awareness Hot Sheet Winter 2018, contributing author

"Keeping an Eye on the SB 2 Main Attraction",  CEA News Spring 2018

“Conference Call Bingo”, contributing author and Huzzah, Escrow Elizabeth!, CEA News Winter 2017

"Seller Mends Fences and Pays Off the PACE/HERO loan, CEA News fall 2017

"Securing the Escrow Ranch", CEA News Summer 2017

"Captain Escrow and the Seller's Word of Honor", CEA News Spring 2017

"General Provisions and Captain Escrow Take Command of the Escrow Voyage", CEA News Winter 2016

“Captain Escrow Confronts OFAC”,  “To Apply a Notary Seal or Not to Apply a Notary Seal, that is the Question”,  contributor to “Entering the Challenging Escrow Maze to Find Lost Money”, CEA News Fall, 2016

“Captain Escrow Joins Forces with General Provisions”, CEA News, Summer 2016

“Grab that Preliminary Report”, California Community College Real Estate Practice Guides, Summer, 2016

“Servicing Agreements and the Payoff” CEA News,Summer 2016

"How to Earn and Keep Your Professional Designation", CEA News Spring 2016

"Un-cashed Checks pay for Christmas Festivities", CEA News Winter 2015

"The Walking Dead Escrow", CEA News Summer 2015

“The Loan that Turned Into a Gift”, CEA News Spring 2015, CLTA Claims Awareness Spring 2018

“An invitation to the Masquerade Ball”, CEA News Spring 2015

"Buying a House for Mom", CEA News, Winter 2014

"Escrow's Invisible Force Field Civil Code Section 2943", CEA News, Fall, 2013

"May I Introduce You to an Old Friend...The All-Inclusive Note and Deed of trust", CEA News, Summer 2013

"The Wise, Wonderful Wizard and the Dragon Orphanage", CEA News Summer 2013

"Open Escrow and Plan a Trip!  Just Do a Power of Attorney"  CEA News Spring 2013

"Captain Escrow and the Discharging of the Judgment Bombs from the Ship's Cannons", CEA News Summer 2012

"Connecting the Dots to Close the Escrow Circle",  CEA News, Summer 2015 and OpinExperts October 2012

"To Fund or Not to Fund the Loan?  That is the Lender's Decision",  CEA News Winter 2012, 
converted from a previous article issued January 2009 by the Escrow Association of Santa Clara Valley, 

"Seller and Buyer Disclosure Obligations to Escrow", Opinexperts, December 2011

“When Should Escrow Follow Instructions”,  CEA News Fall 2011

“The Short Sail that Discovered 20,000 Liens Under the Sea, CEA News, Winter 2011 and CLTA Claims Awareness Hot sheet December 2011

"The Missing Seller and the Cancellation Instructions", CEA News, Summer 2011

"A Shortcut that Almost Doubled the Commission", CEA News, Spring 2011

"Ms. Alice and the Three Home Warranty Companies", a tale of caution when making recommendations, CEA News, Winter 2010

"Bills Submitted to an Escrow File",CLTA Hot Sheet, December 2011CEA News, Summer 2011 and Escrow Association of Santa Clara Valley, October 2010

"Conversation Notes or Escrow Hieroglyphics?"  Escrow Association of Santa Clara ValleySeptember 2010

"Are There Similarities Between a Notary Public and an Escrow Professional?, Escrow Association of Santa Clara Valley August 2010

"Silence is Not Gold, Silver or Bronze"  CLTA Claims Awareness Hot Sheet, August, 2011, and Escrow Association of Santa Clara Valley, July 2010, CEA News Spring 2013

"An Escrow File Should be Able to Walk,Talk and Breathe" CEA News, Summer 2010 and Escrow Association of Santa Clara Valley June 2010

"Did the Butcher Shop Really Want to Purchase Property?", CEA News Spring 2010

"Reading the Preliminary Report", CEA News, Summer 2011 and Escrow Association of Santa Clara Valley, May 2010

"The Scammer Who 'Lifted' the Notary Seal", Escrow Association of Santa Clara Valley, April 2010

"The Mold, the Dog and the Insurance Premium", CEA News, Winter 2010 converted from a previous article “So What’s the Big Deal About Paying the Fire Insurance Premium at Close of Escrow?”, Escrow Association of Santa Clara Valley, June, 2009

“Trust, But Verify”,  CEA News, Winter 2014, and Escrow Association of Santa Clara Valley, March 2010

"In the World of Escrow, Three is NOT a Crowd!", Escrow Association of Santa Clare Valley, February 2010

"A Gamble That Doubled the Commission!", Escrow Association of Santa Clara Valley, January 2010

"I Heard It Through CEA", CEA News, Winter 2009

"Pirates of the Escrow and the Adventures of Reading the Treasure Map called Preliminary Report", Escrow Association of Santa Clara Valley, April 2009, CLTA Claims Awareness Hot Sheet, September 2009, and CEA News, Winter 2009 

“The Language of Escrow”, Escrow Association of Santa Clara Valley, December 2009, and CEA News, Spring 2010

“Third Party Funds”,  Escrow Association of Santa Clara Valley, November 2009

 “The Land That Time Forgot”, CEA News, Spring 2012, CLTA Hot Sheet, January 2010 and Escrow Association of Santa Clara Valley, October 2009

Holding Funds in Escrow”, CEA News, Summer 2011 and Escrow Association of Santa Clara Valley, September 2009

"Friends Don't Ask Friends to Borrow a Notary Journal", CEA News, Summer 2009

 “Professional Designation – Some Little Known Facts and Benefits”, CEA News, Summer 2009, an acknowledged contributor only  

"Caught by a Judge Doing a Cut and Paste Job", Escrow Association of Santa Clara Valley, August 2009 and CEA News Winter 2010

"Where is the Recording Confirmation?", Escrow Association of Santa Clara Valley July 2009 and California Land Title Association Claims Awareness Hot Sheet, September 2009

"Dr. Jekyll/Mr. Hyde Attempts to Get Out of Paying Creditors!". CEA News Spring 2009

"The Art of a Cover Letter", Escrow Association of Santa Clara May 2009, and CEA News Spring 2010

"The Value of a Litigation Consultant and Expert Witness", Forensic Expert Witness Association, Spring 2009

"Sending Checks Directly to Third Party Creditors Remains the Best Practice", Escrow Association of Santa Clara Valley, March 2009  and CEA News Winter 2010                 

"Cancellation Instructions", CEA News, Summer 2011, and Escrow Association of Santa Clara Valley, February 2009

"Balance -Audit-THEN-Record, Perfecting the File BEFORE It Goes on Record", CEA News, Winter 2005

Editorial Services

California Real Estate Escrow Instructor Study Guide for Real Estate Education Center California Community Colleges, quiz and power point presentation, 2016

California Community Colleges Introduction to Real Estate Escrow & Title Chapter 1, power point presentation, 2016

PD Workbook/Study Guide for the California Escrow Association Professional Designation testing, 2017

Escrow Book I for the California Escrow Association, 2012 and 2018

Escrow Book II for the California Escrow Association, 2012 

Fee Schedule and References upon request


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