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James A. Stern

Director at TWO HARBORS INVESTMENT
Board

About James A. Stern

Independent director of TWO since July 2018; age 74. Former Chairman and CEO of The Cypress Group and long-time Lehman Brothers executive (joined 1974; MD in 1982; joined management committee in 1988; Co‑Head of Investment Banking; Head of Merchant Banking). Currently serves on TWO’s Compensation Committee and Risk Oversight Committee. Background centers on investments, capital markets, and public company directorships, positioning him as a financially sophisticated, governance-focused director.

Past Roles

OrganizationRoleTenureCommittees / Impact
The Cypress GroupChairman & CEONot disclosedLed the firm’s investing activities; deep PE/investing experience
Lehman BrothersMD (1982), Management Committee (1988), Co‑Head of Investment Banking, Head of Merchant BankingJoined 1974; senior leadership through late 1980s–1990sCapital markets and transaction leadership; merchant banking oversight
CYS Investments, Inc.Director2006–2018 (until merger with TWO)Appointed to TWO board pursuant to CYS merger rights
Tufts UniversityTrustee; Chairman of Board of TrusteesTrustee 1982–2013; Chairman 2003–2013Governance/oversight experience at major academic institution

External Roles

OrganizationRoleTenureNotes
Merchants National Properties, Inc.DirectorSince 2012Current directorship
OHA Investment Corp.Director2014–2019Prior public directorship
Affinia Group; Infinity Broadcasting; WESCO International, Inc.; Lear Corporation; Cinemark USA, Inc.DirectorNot disclosedPrior corporate boards
WNET; Jewish Museum; Cancer Research FoundationBoard memberNot disclosedNon-profit boards

Board Governance

  • Independence: Board affirmed Stern is independent under NYSE rules. All committees are fully independent. Independent chair structure in place (Chair: Stephen G. Kasnet).
  • Committees: Compensation Committee member; Risk Oversight Committee member. Compensation Committee signatory (with E. Spencer Abraham, Chair; and James J. Bender).
  • Attendance & engagement: Board met 5x in 2024; Audit 6x; Compensation 3x; Nominating & Corporate Governance 2x; Risk Oversight 1x. Each director attended at least 75% of aggregate Board/committee meetings in 2024; all then‑current directors attended the May 2024 annual meeting.
  • Executive sessions: Independent directors meet regularly without management.
  • Related party oversight: Audit Committee reviews related party transactions; none required disclosure for 2024. No compensation committee interlocks or insider participation.

Fixed Compensation (Director)

YearFees Paid in Cash ($)Stock Awards ($)Total ($)Notes
202498,000 117,988 215,988 Standard independent director package (no chair fees)

Key features:

  • Standard annual package for independent directors: $98,000 cash + $118,000 in RSUs (granted under 2021 Plan), vesting fully at the next annual meeting; prorated on early departure (full vesting upon death/disability). Change‑of‑control: double‑trigger vesting if service ends within 24 months post‑CoC or immediate vesting if awards not assumed.
  • Additional chair retainers paid in cash (Audit Chair $20k; Compensation/Risk/NCGC Chairs $15k); independent Board Chair receives extra $150k (half cash/half RSUs). Stern is not a chair.

Performance Compensation (Director)

ComponentPerformance Metric(s)WeightingPayout CurveStatus for Stern
Director RSUsNone (time‑based vesting to next annual meeting)N/AN/AApplies; no performance linkage

Note: TWO does not grant stock options to directors; RSUs are time‑based. Clawback policy exists for executive incentive compensation; governance framework includes strong pay practices.

Other Directorships & Interlocks

CompanyRoleOverlap/Interlock Risk to TWOEvidence
Merchants National Properties, Inc.DirectorNo related party transactions disclosed with TWO in 2024
Prior: OHA Investment Corp.; Affinia; Infinity Broadcasting; WESCO; Lear; CinemarkFormer DirectorNo related party transactions disclosed with TWO in 2024

Expertise & Qualifications

  • Investments and capital markets: PE leadership (Cypress Group); merchant banking/investment banking leadership at Lehman.
  • Public board experience: Multiple prior public company boards; current director at Merchants National Properties.
  • Mortgage/REIT context: Served on CYS board through merger; relevant sector familiarity.
  • Governance: Compensation Committee member; involved in pay governance and oversight; independent.

Equity Ownership

ItemDetail
Beneficially owned common shares53,537 shares as of March 19, 2025; less than 1% of class (104,022,948 shares outstanding)
RSUs scheduled to vest (within 60 days of 3/19/25)9,104 RSUs included in beneficial ownership; RSUs not entitled to vote until vested
Hedging/pledgingProhibited for directors under Insider Trading Policy and governance policies
Director ownership guidelineDirectors may not sell if post‑sale holdings < $300,000 market value; up to 40% of vested shares may be sold to cover taxes
Record date contextBeneficial ownership table as of March 19, 2025

Governance Assessment

Strengths

  • Independent director with deep capital markets and PE experience; sits on Compensation and Risk Oversight Committees, supporting board effectiveness in key oversight areas.
  • Strong governance framework: independent chair; executive sessions; anti‑hedging/pledging; director ownership guardrails; clawback policy; high 2024 say‑on‑pay support (~95.6%).
  • Engagement and attendance: met the ≥75% meeting attendance requirement; all directors attended the 2024 annual meeting.
  • Conflicts: No related party transactions disclosed for 2024; no compensation committee interlocks.

Watch items / potential red flags

  • Appointed to TWO via CYS merger rights (not inherently negative; monitor for continuing independence and refreshment dynamics).
  • Time commitments from multiple outside roles are not detailed; continue to monitor bandwidth and committee workload as a Compensation Committee member.

Overall implication: Stern’s profile and committee assignments align with investor expectations for independent oversight in compensation and risk, with no disclosed conflicts and solid attendance, supporting investor confidence in TWO’s board governance.