If you have CYNTHIA RILEY's "signature" on any document in your chain of title you need to read this. Same for Jess Almanza. 

The Mystery of Cynthia Riley’s Stamp

Nearly two-thirds of Washington Mutual promissory notes in foreclosure contain an endorsement stamp from former VP Cynthia Riley.

The problem?

• Riley left Washington Mutual in November 2006.

• Almost half of the Washington Mutual loans currently in foreclosure were originated after she left.

• Yet her endorsement appears on countless notes.

This raised a major red flag until Riley’s 2013 deposition revealed the truth.

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Riley’s Deposition: Key Admissions

In January 2013, Cynthia Riley testified that:

• She never personally stamped any mortgage notes.

• Other people in her office had access to — and used — her stamp.

• She joined JPMorgan Chase in 2009 and worked there until around 2014–2015.

When attorney Daniel Milian attempted to depose Riley in another case, JPMorgan Chase stalled for six months before claiming they could not locate her. At the same time, any online record of her connection to WaMu or Chase seemed to vanish — suggesting a deliberate cover-up.

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JPMorgan’s Problematic Pattern

Evidence suggests JPMorgan Chase was stamping foreclosure notes with Riley’s name between 2012 and 2014.

• Clients with foreclosure cases from 2009 or 2010 originally had no endorsement.

• By 2013–2014, the same cases were re-filed with Riley’s endorsement suddenly added.

• Chase’s compulsive use of her stamp became so sloppy that it impacted the bank’s bottom line by 2015.

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Enter Jess Almanza

To cover their tracks, JPMorgan Chase allegedly dug through old WaMu storage boxes and revived another stamp — this time from Jess Almanza, a former VP of Capital Markets/National Closing Operations.

• Almanza left WaMu in July 2006.

• He never worked for JPMorgan Chase.

• His endorsement stamp appears to have been used without his consent.

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Why This Matters

The use of Riley’s and Almanza’s stamps years after their departure points to systemic document fabrication in foreclosure cases.

This has major implications:

• Endorsements added years later may be invalid evidence in court.

• Homeowners facing foreclosure may be able to challenge the authenticity of their loan documents.

• It strengthens the argument that JPMorgan Chase lacks standing in many foreclosure actions tied to WaMu loans.

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The Takeaway

The Cynthia Riley endorsement scandal highlights how far major banks may go to maintain the illusion of legal authority in foreclosures. For homeowners, spotting these fabricated endorsements could be the key to defending against wrongful foreclosure.

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Tags: Chase, JP Morgan, WAMU, Washington Mutual
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