Speaker Topic and Biography


Gregory Allen
Pairity, Inc.
Topic: Technology Meets Collections
Hear from technology and operational experts on topics such as: Understanding the role of AI and machine learning in your organization, Key elements in implementing AI in the collection process, key risks with technology, leveraging new technologies, innovations in identity intelligence, optimizing right party contacts and decreasing operational costs! Joining our panel to start are: Dan Fox, SmartAction, Abhishek Goel, Dasceq, Matthew Wolk, Neustar, and Gregory Allen, Pairity.

Biography: Gregory Allen is the Founder and CEO of, Pairity, and well versed in the mathematics of machine learning and artificial intelligence. He grew up in Westchester, NY and studied applied mathematics at MIT and the University of Maryland. In 2008, as a student, he sold his first technology in the form of high frequency trading algorithms, which are still in use to this day, and began a career developing intellectual property in the field of algorithmic modeling for the financial and health care industries. Three years ago, he began researching his current endeavor of developing artificial intelligence powered software as it applies to the consumer debt industry. From designing usable technology to composing music, Greg, brings and unprecedented level of passion to every challenge he faces and is leading Pairity to innovate across an entire industry.



Rod Arends
Southeast Toyota Finance - Service Center Operations
Topic: Skip Strategies & Solutions Sessions: Data Sources - Making Better Use of Data and Alternative Data
A theoretical approach focusing on big data, analytics and turning data in to usable knowledge

Biography: Rod Arends is vice president of Southeast Toyota Finance - Service Center Operations. He has more than 30 years of experience in managing both captive and independent vehicle finance portfolios, and excels in deploying leading-edge servicing technologies and strategies to improve operational performance. Arends is responsible for leading account servicing functions within the Southeast Toyota Finance service centers in St. Louis, Mo., and Mobile, Ala. He joined the company in June 2007 as director of Collections and was promoted to vice president in June 2011.



Parul Desai
Federal Communications Commission (FCC)

Topic: Meet the Regulators
This session provides an opportunity to ask key regulators questions involving our industry. Join this session to hear their answers to your questions in areas of interest/concerns to you. A great way to start the conference!

Biography: Parul P. Desai is currently Deputy Chief of the Telecommunications Division in the Enforcement Bureau, where she leads the Bureau’s enforcement efforts of TCPA and Truth in Caller ID Act violations. Parul joined the FCC in 2012 as an Attorney-Advisor in the Media Bureau’s Audio Division. Prior to that, she was Policy Counsel for media, telecommunications and technology policy at Consumers Union, the policy and advocacy division of Consumer Reports magazine. While at CU, Parul developed and managed the organization’s strategy, policies, and advocacy efforts on telecommunications, media, and technology policy. She previously served as Vice President at Media Access Project, a non-profit communications law firm. She is a graduate of Rutgers University and New York University Law School.



Teresa Dodson
Greenbacks Consulting

Topic: Debt Settlement Strategies and Solutions: Debt Settlement Overview and Regulatory Perspective

Biography: Teresa Dodson has over 20 years of executive management experience. Her background includes 11 years of corporate leadership experience in running Advertising agencies who specialize in technology, medical and health industries. The last 16 years, she’s focused on the financial services industry ranging from operations management, industry compliance, software development and creating new business opportunities to help grow and scale existing businesses.

Currently she is the Founder and CEO of Greenbacks Consulting. Greenbacks Consulting has been providing consulting services to the financial services industry since 2008. Teresa has been focused on the debt settlement industry since 2003. During her time in the industry she served as COO of two large debt settlement companies and has built two more from the ground up.
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Brent Dorner
BBVA Compass

Topic: Debt Sales
Debt Sales represent a critical component to the Collections & Recovery industry; however, the past 10 years have been a roller coaster of emotions, from a very liquid market to minimal volume and new and burdensome protocols both buyers and sellers must comply with, and now the anticipation of many key players re-emerging. We will discuss key components to putting in place a best in class selling program that covers compliance, protocols, documentation, valuation, strategies and technology.

Biography: Brent Dorner is the Director of Retail Default & Recovery for BBVA Compass. In his position, he is responsible for all recovery operations for the bank, including repossession and remarketing, real estate loss mitigation and foreclosure, bankruptcy and probate, and charged off debt recovery. Brent came to recovery operations from a legal background, with over 10 years of experience in consumer and commercial loan workout matters, vendor contract negotiation and drafting, and loan regulatory compliance.



James Dotson
Prestige

Topic: Skip Strategies & Solutions Sessions: Challenges and Strategies for Locating Collateral

Biography: As of 2019, James Dotson has been with Prestige for 17 years. James has worked in finance for more than 23 years, spending time in various segments of the credit industry. James started his career as a front-line collector at Discover Card and has spent time in various roles in credit card and sub-prime auto finance. James has been a VP with Prestige for 10+ years and his oversight has included collections, deficiency recoveries, repossession liquidations, customer service, bankruptcy and insurance claims. James has a bachelor of science degree in business/finance from the University of Utah.

In his spare time James enjoys fishing, hunting, camping, softball and any activity with his kids.

James has 8 kids ranging in age from 24 to 8 years old. His 3 oldest boys have graduated school and started their own young families. His oldest daughter is a senior in high school, he has 2 junior high school students and 2 elementary school students.



Joseph Duarte
Finxera Inc. / CFT

Topic: Debt Settlement Strategies and Solutions: Operational Challenges and Concerns

Biography: Joseph joined Finxera Inc. the parent company of Crossroads Financial Technology (CFT Pay) as the Director of Business Development in June of 2016. In his current role Joseph is responsible for leading the expansion of the CFT Pay service and product offerings, aiming to position CFT Pay as a market leader and provider of integrated services beyond payment processing to the debt settlement industry.

Joseph has over 18 years of experience in the consumer financial industry. Prior to joining Finxera he was a founding partner and Chief Operating Officer of Second Round LP, a debt buyer and collection agency with a large presence in the debt settlement industry.
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Kelli Edmonds
Santander Consumer USA

Topic: Auto Finance Peer Group Moderator
The Auto Finance Peer Group break out session provides auto creditors the opportunity to meet with industry peers to discuss auto recovery issues, challenges and best practices. During the break out session, there will be discussions related to the current economic situation, its impact on auto recoveries, and the best practices of industry leaders to manage recovery operations through these challenging times. The session will be an interactive open forum providing attendees the opportunity to share their experiences, thoughts and plans for the future.

Biography: Kelli Edmonds is the Senior Vice President - Vendor Management at Santander Consumer USA with oversight of third party relationships at an enterprise level. Kelli has over 25 years of successful strategic and tactical leadership experience within the credit and collections industry with a strong focus on 1st and 3rd party agency management and internal charge-off recovery. Through her various leadership roles, Kelli has built and managed vendor partnerships, ensured regulatory compliance, increased efficiencies in call center operations and delivered large, complex projects. Kelli is Six Sigma Green Belt Certified, a Certified Receivables Compliance Professional and has a Bachelor's degree in Business Management.



K. (Gandhi) Eswaramoorthy
Consumer Financial Protection Bureau

Topic: Meet the Regulators
Other regulators invited. This session provides an opportunity to ask key regulators questions involving our industry. Join this session to hear their answers to your questions in areas of interest/concerns to you. A great way to start the conference!

Biography: Gandhi Eswaramoorthy is the Program Manager for Debt Collections within the Consumer Lending, Reporting and Collections Markets Division of Research, Markets and Regulations for the Consumer Financial Protection Bureau. Prior to joining the CFPB, Gandhi was Senior Director of Collections and Recovery Policy and Strategy at Citi Cards. Prior to Citi, Gandhi spent several years at Barclays Card (International Markets), Chase Card Services and American Express. Collectively, he has more than 25 years of experience working in all aspects of credit card risk management including risk modeling, account management, collections and recovery policy and strategy. Gandhi has PhD in Agricultural Economics from Iowa State University, Ames, Iowa.



Bev Evancic
Resource Management Services, Inc.

Topic: Skip Strategies and Solutions: Skip Vendor Oversight

Biography: Bev Evancic has almost 25 years experience in collection and recovery. She has managed all phases of collection and recovery operations, including automated dialer units, bankruptcy and legal units, skip tracing units, internal collections, outside collection agency networks, and Consumer Credit Counseling.

As a Consultant for Resource Management Services, Inc., Bev has spearheaded collection and recovery best practices reviews for many top credit grantors. Her articles on dialer operations, agency management and bankruptcy best practices have been widely publicized.

Prior to joining Resource Management Services, Inc. in 1995, Bev managed the Recovery Department for AT&T Universal Card Services where she reengineered the bankruptcy, probate, internal and litigation processes.



Ken Evancic
Resource Management Services, Inc.

Topic: Oversight Without Travel

Biography: Ken Evancic is a collections veteran with over 25 years experience. He has managed all phases of collection, including all levels of delinquency, automated dialer units, early out agency management, recovery, and skip tracing. In addition to collections operations management, he has lead initiatives in the areas of performance management, collections strategy development, collector and manager training, collector desktop design, collections reporting systems, and risk and compliance.
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Dan Fox
SmartAction

Topic: Technology Meets Collections
Hear from technology and operational experts on topics such as: Understanding the role of AI and machine learning in your organization, Key elements in implementing AI in the collection process, key risks with technology, leveraging new technologies, innovations in identity intelligence, optimizing right party contacts and decreasing operational costs! Joining our panel to start are: Dan Fox, SmartAction, Abhishek Goel, Dasceq, Matthew Wolk, Neustar, and Gregory Allen, Pairity.

Biography: Dan is the Vice President of Emerging Markets at SmartAction. In this role, he leads strategic initiatives in product and market expansion. Dan has many years of experience in market development for Artificial Intelligence technologies, with a focus on conversational speech recognition and natural language. Prior to SmartAction, Dan spent 8 years at Interactions, where he served in marketing, sales, partnerships, corporate development, and most recently, building a specialized practice in consumer debt collection & payments.



Sean Fox
Freedom Financial

Topic: Debt Settlement Strategies and Solutions: The Future of the Industry
Hear from a leader of the largest debt settlement company, Freedom Debt Relief, about strategies that the debt settlement industry can pursue to improve consumer outcomes while building confidence in the service among creditors, regulators and thought leaders.

Topic: Debt Settlement Strategies and Solutions: Operational Challenges and Concerns

Biography: Sean leads the client acquisition (marketing, sales, etc.) and partnership development functions for Freedom Financial Network, and co-owns the P&L for Freedom Debt Relief, which is the largest debt settlement company in the United States. Prior to joining Freedom in 2013, Sean served in a variety of executive roles (including Chief Operating Officer, President and EVP of Business Development) for several online marketing companies over 15 years. Sean holds degrees from Stanford University, Cambridge University, and Georgetown Law School.



John Frey
BBVA Compass - Retired

Topic: First Line Supervisors: First Defense - First Risk
The first line supervisor is your key asset in managing the risk and effectiveness of your staff having direct and frequent contact with your customers. Often the first line supervisors get less attention and support than needed. They are often unsure of how to handle difficult behavior and performance issues. We will discuss how to select, train, coach and empower these important assets. We will also define the objectives for the first line supervisor. Please bring your questions, problems, issues to the table for a productive and interactive session.

Biography: John retired from his position as Executive Vice President at BBVA Compass where he directed all Collection & Recovery operations for all of the Retail Lending, Credit Card, Indirect Auto, DDA, and Small Business products. John was also a member of the BBVA's Executive Management Team.

During his career John held senior positions with credit grantors, collection agencies, debt buyers, and BPOs. John began his career at American Express in 1968 and held a number of senior positions during his 22 years. John has held senior positions with HHL Financial Services (a major healthcare collection agency), First Card Services (First Chicago); and Chevy Chase Bank. John was Vice President of Collection at Creditrust. At the time Creditrust was the nation's largest purchaser of distressed portfolios. In that position John managed over 1,000 of the company's 1,200 employees in three sites.
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Dion Gage
Exeter
Topic: Skip Strategies & Solutions Sessions: Data Sources - Making Better Use of Data and Alternative Data
A theoretical approach focusing on big data, analytics and turning data in to usable knowledge

Biography: Dion Gage is the Director of Vendor Management for Exeter Finance. He has 13+ years working in the Auto Finance industry with 7+ of those years working in vendor management. He has worked managing vendors domestic and internationally whose services included customer service, all stages of collections, repossession, deficiency, and debt sale. Currently Dion is responsible for managing Exeter’s repossession platform.



Michael Ginsberg
Kaulkin Ginsberg Company
Topic: The State of Affairs in the ARM Industry

Biography: Mike Ginsberg is the president and CEO of Kaulkin Ginsberg, offering M&A and strategic advisory expertise to the accounts receivable management (ARM) industry for over 25 years, and KG Prime, offering market intelligence for ARM professionals on client industries, economic- and industry-specific trends. He is also co-founder of Topline Valuation Group, providing ARM owners and executives with authoritative technical, financial and benchmarking services designed to improve decisions at the corporate and operational levels. Most recently, he co-founded Fed Debt Opps, a business development and strategic advisory service formed to support PCAs and related ARM industry service providers in their pursuit of Federal Government contracts.

Mike is a member of ACA International, DBA International and the Association for Corporate Growth. He sits on the advisory boards of several industry associations and publications.

He is a frequent speaker on important industry issues and is often interviewed as an industry expert by the trade, financial and consumer media. Mike has been the recipient of numerous industry awards, including the NARCA Don Kramer Award and Collection Advisor’s award as one of the industry’s most influential professionals four years in a row.



Abhishek Goel
Dasceq

Topic: Technology Meets Collections
Hear from technology and operational experts on topics such as: Understanding the role of AI and machine learning in your organization, Key elements in implementing AI in the collection process, key risks with technology, leveraging new technologies, innovations in identity intelligence, optimizing right party contacts and decreasing operational costs! Joining our panel to start are: Dan Fox, SmartAction, Abhishek Goel, Dasceq, Matthew Wolk, Neustar, and Gregory Allen, Pairity.

Biography: Abhishek is global agile data science and strategy leader with over 15 years of experience in developing and implementing innovative solutions across customer lifecycle.

He is the founder and chief data scientist for Dasceq.com. Dasceq is Transforming Collection with Artificial Intelligence, Machine Learning and Big Data. Our Dasceq 2i Collection Platform improves Collection Efficiency by more than 30% and improve $$ collected by 8%+ through our Artificial Intelligence, Big Data and Machine Learning platform. We are able to predict which delinquent account will pay, when they payment how much they pay, best channels and mix of channel to reach and influence them.
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Mike Goins
TD Bank

Topic: Skip Strategies & Solutions Sessions
Don’t Skip this Special Skip Session. It all starts with locating people! We’ll start the day with a panel of operational industry experts—talking about their strategies to locate consumers and their skip tracing operational success stories. Hear thoughts on when to skip, who to skip, how to skip, where to skip and the ROI on the various skip tracing activities.

Biography: Mr. Goins is responsible for the operation of Loss Mitigation, Foreclosure, Repossession and Redemption Management, Bankruptcy, Loss Recovery - including Internal Recovery Collection, Collection Agency Management, Litigation Management and Debt Sale Strategies all of which are executed from the Jacksonville, FL and Falmouth, ME locations of TD Bank, America's Most Convenient Bank.

He has also participated in professional organizations and advisory boards, conducted Webinars and has spoken as a keynote and a panelist on the topic of Loss Recovery, Collections, Repossession and Debt Sales at multiple national collection, remarketing and repossession conferences such as NCCR, Re3, NARS, CRS, DCS and Auto Finance Risk Summit.



Judy Hammond
Resource Management Services, Inc.

Topic: Opening Remarks

Biography: As President and founder of Resource Management Services, Inc., Judy Hammond has more than 35 years of experience with an emphasis on operational reviews for compliance and operational effectiveness of collection operations, both for creditors' internal collection and recovery operations as well as of their collection agencies, attorneys, and specialty vendor partners. She has worked generally with the top banks/financial institutions, auto finance, retailers, utilities and telcoms, (auditing their vendors) and has conducted multiple Best Practices projects through Visa, USA. Her position as a consultant to creditors, and as their independent agency auditor, as well as a background with two collection agencies, provides a unique perspective of the industry. She is author of various industry publications: "Comprehensive Agency/Attorney Usage Study," "Comprehensive Agency/Attorney Usage Study II", "Buyer/Seller Research Study and" "Collect More From Collection Agencies".
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Miranda Jackson
Santander Consumer USA

Topic: Repo Strategies Roundtable

Biography: Miranda Jackson is the Assistant Vice President – Vendor Management at Santander Consumer USA. Miranda oversees third party relationships specific to repossession at an enterprise level. She provides vision and direction in matters of existing vendors, their performance, reporting and business objectives. Miranda comes from an IT background of 14 years’ experience testing, planning and managing the creation and implementation of both desktop and web based applications. Her recent focus has been to partner with the integration to a mobile technology allowing users immediate access to assignment information and have the ability to manage and submit updates and recoveries.



Matt Justice
Professional Bureau of Collections of Maryland Inc.

Topic: Millennial Peer Group
Announcing the newest Peer Group to meet at Debt Connection Symposium & Expo 2018 – the Millennial Peer Group. This newly organized peer network, is an elite network of young professionals in the industry focused on issues of relevance to Millennials. Whether you meet the age requirements of a Millennial, or think like a Millennial, or just have an interest in Millennials – this group can be for you.

Biography: Matthew K. Justice, MBA, President. Matt joined PBCM after completing his Masters’ Degree in International Business at Concordia University - Wisconsin. While in Graduate School, Matt worked for wealth management firm Wells Fargo Advisors. Matt spent the first few months at PBCM as a collector to learn the operations side before transitioning in to the sales and marketing department when he was promoted to Client Relationship Manager. From there he was promoted to the VP of Business Development. As VP he helped coordinate and manage PBCM’s sales and marketing efforts including: convention attendance, RFP bids and Sales Team management. Matt was then promoted to President in January 2018 and currently serves as President.



David Kaminski
Carlson & Messer LLP

Topic: Launching a Compliant & Effective Text and Email Campaign for Collections Operations

The electronic communication age is here. As the CFPB is poised to allow certain electronic methods as new modes of communication with consumers, confusion abounds. How can you send emails? How do you send texts? Which regulations and statutes apply to both? What will be the E-sign Act impact on communications? This session covers steps to inform attendees as to the state of the law, how to move your letter campaigns to electronic delivery, and what must be considered when launching an electronic communications program.

Topic: Roundtable: The Current Regulatory Front, The Impact on the TCPA and Your Business, and Answers to Your Questions
The current TCPA Regulatory front and the impact on your business, consent/re-consent and revocations, and answers to your questions

Biography:
David Kaminski is the Chair of the Financial Services and Class Action Litigation Group at Carlson & Messer LLP in Los Angeles, and focuses his practice in the defense of banks, collection agencies, credit grantors, and asset buyers in all areas of financial services litigation. He regularly gives presentations at leading industry trade organizations throughout the U.S.  David manages the nationwide litigation for numerous financial institutions and collection agencies and has helped shaped the law affecting the rights of collections agencies and creditors throughout the US.   

David was the 2019 ACA Foundation Fellow recipient, the 2016 ACA Int’l. Attorney of the Year, and the 2014-2016 Chair of the Attorneys Div. of the ACA.  He serves on the ACA Judicial Committee and the ACA Education Foundation.

David serves as outside compliance counsel to numerous companies throughout the U.S. and has developed policies, procedures and training programs to enable clients to stay compliant with the law and minimize risks of liability.
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Pete Klipa
National Foundation for Credit Counseling

Topic: Debt Settlement Strategies and Solutions: Understanding the Options and Educating the Consumer

Biography:
Mr. Klipa has over 25 years of experience, primarily in collections and recoveries, in the utility, credit card, and auto finance industries. Prior to joining the NFCC, he was Vice President of Loss Mitigation at American Credit Acceptance, a sub-prime auto lender, in Spartanburg, SC. Before that, Pete spent eight years at Discover Financial Services in its Ohio-based National Recovery Center. While at Discover, Pete initially managed collection agencies, and eventually was responsible for Discover’s legal collection network made up of around 100 direct and indirect firms. He began his work in the credit and collections field at the regional utility NiSource, also based in Ohio.
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Roger Knauf
The Axiom Group

Topic: Debt Settlement Strategies and Solutions: Operational Challenges and Concerns

Biography: Roger Knauf has been in the consumer receivables industry since the late 1970s. Over the past 40 years he has successfully founded five asset recovery companies, four of which continue to operate today. In 1996, he was the founding member and Managing Partner at Fourscore Resource Capital, LLC, one of the nation’s largest debt purchasers at the time.

In 2012, he acquired Full Circle Financial Services, LLC, a collection agency based in Tampa, Florida. He is also Managing Director of Axiom Acquisition Ventures, LLC, a licensed debt buying firm also based in Tampa, Florida.

Knauf's seasoned career includes several other accomplishments. Since 1980, Knauf has been an active member of the American Collectors Association. He served on the Board of Directors of the Wisconsin Collectors Association from 1985-1989 and the Minnesota Association of Collectors from 1991-1998, serving as President in 1996-1997.
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Kelly Knepper-Stephens
TrueAccord

Topic: What's the Buzz in the Industry - E-Sign and Privacy

Biography: Kelly Knepper-Stephens is Vice President of Legal and Compliance for TrueAccord. Her work focuses on government regulation, compliance, and civil litigation. Kelly serves on the Board of Directors for the Receivables Management Association International and is an ACA Certified Instructor. She also served as a SER for the Arbitration and Debt Collection Rulemakings. Her podcast Two DEBTicated Attorneys can be found on podbean. Collection Advisor Magazine named Kelly one of the 20 Most Powerful Women in Collections in 2018.



Robert Linderman
American Fair Credit Counsel (AFCC)

Topic: Debt Settlement Strategies and Solutions: Debt Settlement Overview and Regulatory Perspective

Biography: Robert Linderman is a nationally recognized expert in the debt resolution field. Prior to his retirement, in February 2019, Bob was the General Counsel for the Freedom Financial Network group of companies, a role he had held for 11 years. As Freedom’s General Counsel, Bob was responsible for all aspects of Freedom’s legal representation, including regulatory, corporate transactional and litigation matters. In addition to his legal responsibilities, Bob was also responsible for founding and managing the Compliance Department and the Government Affairs group.

Bob has also been, for the past eight years, the Vice President of the Executive Board of the American Fair Credit Council (“AFCC”), the trade association representing the debt settlement industry, and serves as its Legislative Director. In that role he oversees all government affairs activities, including state and federal lobbying (both legislative and regulatory) and communications. Bob also collaborates closely with Greg Regan on the production of the “Regan Report,” the seminal analysis of the debt settlement industry, now in its third iteration.
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John Lewis
Intellaegis
Topic: Skip Strategies & Solutions Sessions: Challenges and Strategies for Locating Collateral

Biography: John Lewis is the founder and CEO of Intellaegis. Their SaaS platform for debt collection, masterQueue®, is a collection, compliance, skip tracing and recovery management platform that uses AI and workflow automation to improve high-risk debt collection efforts by some of the largest lenders and vendors in auto finance.

John started his career in auto finance as a repossessor for Chrysler Credit in 1982. In 1988, he started one of the first skip tracing companies in the US, Skipbusters. Then he founded several repossession companies in Southern and Northern California, and ultimately American Recovery Service (ARS), the first repossession forwarding company, in 1994. Today, skip-tracing and forwarding in auto finance are billion-dollar industries and a main component of every major lender's skip and repo strategies.

After selling these companies in 1999, John came back to build masterQueue in 2007, starting first by building FindJohnDoe to help develop and test masterQueue, and then RepoRoute, to help repossessors be more efficient in the field, and lenders to create more effective repo assignments using AI. After selling FindJohnDoe to Location Services and RepoRoute to Steve Schroeder, founder of CoreLogic (CLGX), John’s focus is now 100% on continuing to develop masterQueue into the dominant platform for contact management and analytics in high risk debt collection across multiple verticals including and beyond auto finance.



Oscar Marquis
Oscar Marquis & Associates

Topic: Anti-Trust Attorney

Biography: Oscar Marquis is the principal of the law firm, Oscar Marquis & Associates, which specializes in privacy and consumer reporting. He also serves as an Independent Legal Consultant to the international law firm of Hunton & Williams on credit reporting, GLB and other privacy matters.

Mr. Marquis served as General Counsel of Trans Union LLC, one of the three national consumer reporting agencies, for over 15 years, and was affiliated with Trans Union for over 24 years. At Trans Union, Mr. Marquis was responsible for all of the company's legal, government and public affairs. He served on the company's executive council and participated in all major strategic decisions and business initiatives. Prior to forming his current law firm, he was a partner in the Washington, DC law firm, Oldaker, Biden & Belair.
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Vanessa Megaw
Consumer Financial Protection Bureau

Topic: Debt Settlement Strategies and Solutions: Debt Settlement Overview and Regulatory Perspective

Biography: Vanessa Megaw is a Finance Analyst in the Office of Consumer Credit, Payment, & Deposit Markets at the Consumer Financial Protection Bureau. She has worked at the Bureau since June, 2012 and monitors debt relief markets. Prior to the Bureau, Vanessa was the Marketing Director for the Center for Cross Cultural Study. She earned MBA and MPPA degrees from the University of Massachusetts, Amherst and undergraduate degree from Mount Holyoke College.



Chris Mitcham
Security National Automobile Acceptance Company "SNAAC"

Topic: The Great Debate: Collection Effectiveness and Compliance
This lively session will include extremely knowledgeable debaters who will address the most relevant topics of the day - based on attendee requests. Don't miss this informative, educational and animated dialogue of the key issues for collection and recovery effectiveness and compliance!

Topic: Skip Strategies & Solutions Sessions: Data Sources - A Practical Approach to Skip Waterfalls - The Who, What, When, Where and Why Panel
The A-Z of waterfall options and ROI for various solutions

Biography: Chris Mitcham currently serves as the SVP of Servicing at Security National Automobile Acceptance Company "SNAAC". In this role he oversees all loan servicing, loss mitigation, recovery, and remarketing operations. With over 18 years of industry experience, he has directly managed the acquisition, origination, and/or servicing of over $4B in automotive receivables across the credit spectrum. Further experiences in the direct to consumer and risk management services arena provides a holistic view of the greater consumer finance industry. Mitcham's background has provided deep knowledge in automotive and consumer credit, alternative banking solutions, risk management, specialty finance, and capital markets space.



Mark Naiman
Absolute Resolutions Corp.

Topic: The Great Debate: Collection Effectiveness and Compliance
This lively session will include extremely knowledgeable debaters who will address the most relevant topics of the day - based on attendee requests. Don't miss this informative, educational and animated dialogue of the key issues for collection and recovery effectiveness and compliance!

Biography: In his current position as President, Mark Naiman has been with Absolute Resolutions Corp. (a national debt buyer) for almost 20 years. Beginning his ARC career as Operations Manager, Mark worked his way from Vice President to Chief Operating Officer and finally to President/CEO in 2014. Responsible for creating and driving the position of ARC within the industry, as well as developing opportunities for growth, diversification and advancement, Mark works closely with the Chief Compliance Officer to ensure risk and relationship management with ARC clients. He has overseen all operational functions, including management of personnel, administration of policies, and supervision of the IS technology department. His experience with asset location, computer applications, design and advertising is key to the success of Absolute Resolutions Corp. Mark has been involved in the stratification of over 800 individual transactions, including the analysis behind the potential liquidation for over $20 Billion in purchased accounts. During his tenure at ARC, Mark has diligently managed spending and cost analysis well below expected amounts, while at the same time staying ahead of the curve in the implementation of new technologies and cost saving innovations. Mark has extensive experience in numerous computer applications, programming languages, collection software and skiptracing databases.
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Manny Newburger
Barron & Newburger, P.C.

Topic: The Great Debate: Collection Effectiveness and Compliance
This lively session will include extremely knowledgeable debaters who will address the most relevant topics of the day - based on attendee requests. Don't miss this informative, educational and animated dialogue of the key issues for collection and recovery effectiveness and compliance!

Topic: Legal Strategies & Outsourcing
Legal Strategies – learn the where, the what, the why, the when and the how comes to putting together a successful legal collection strategy for your organization. Understand what is changing in today’s climate, and how clients and attorneys can work together to efficiently and successfully collect on legal accounts. Always a few horror stories and hints for your operation as well.

Biography: Manuel H. (Manny) Newburger is the Vice President of Barron & Newburger, P.C., a multi-state law firm with offices in Austin, Houston, and Dallas, Texas, Tampa, Florida, and Scarsdale, New York. He is also an Adjunct Professor at the University of Texas School of Law, where he teaches consumer protection law, and the President of Fair Debt Consultants, LLC, through which he provides training and management consulting services to the collection industry. Mr. Newburger is the principal author of Fair Debt Collection Practices: Federal and State Law and Regulation (Sheshunoff & Pratt). He is also the presenter of "The Compliant Collector Series", a three DVD series providing practical, real life training to boost compliance of collectors.



Tom Nusspickel
American First Finance

Topic: The Great Debate: Collection Effectiveness and Compliance
This lively session will include extremely knowledgeable debaters who will address the most relevant topics of the day - based on attendee requests. Don't miss this informative, educational and animated dialogue of the key issues for collection and recovery effectiveness and compliance!

Topic: Debt Settlement Strategies and Solutions: Operational Challenges and Concerns

Biography: Thomas (Tom) Nusspickel, Chief Operating Officer for American First Finance, has a 28-year career in the banking & financial services industry in executive-level roles directing Customer Service and Collections/Recovery divisions for credit originators, third-party servicers, and BPO companies. Tom began his management career with HSBC, serving close to 10 years running Collections & Recovery for three divisions.
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Larry Randazzo
Dollar Financial Group (Money Mart)

Topic: Skip Strategies & Solutions Sessions: Data Sources - A Practical Approach to Skip Waterfalls - The Who, What, When, Where and Why Panel
The A-Z of waterfall options and ROI for various solutions

Biography:Larry Randazzo has been with Dollar Financial for 2 years. He successfully leads Credit, Collections, Operational and Analytical teams accomplishing flawless execution of high-impact, business-critical initiatives. Defines objectives, benefits, deploys and measures the improvements from financial risk, efficiency, compliance, legal and governmental perspective. Utilizes proven leadership and management skills to effectively coach, motivate, empower, develop team players. As Senior Executive Leader in financial services with accomplished career in Risk and Collections Operations at industry-leading financial organizations.

Larry has worked with Bank of America as VP Default Servicing Operations, then as Sr. Director for American Express Co. Collections and Citi-Group Collections, managing agencies and skip trace the unit.



Joseph Sciarrotta
Office of Arizona Attorney General Mark Brnovich

Topic: Meet The Regulators
This session provides an opportunity to ask key regulators questions involving our industry. Join this session to hear their answers to your questions in areas of interest/concerns to you. A great way to start the conference!

Biography:Joseph Sciarrotta, Jr. graduated Phi Beta Kappa and with High Honors from the University of Michigan (B.A. in Political Science) and Order of the Coif from Vanderbilt University School of Law and was Chief Justice of the Vanderbilt Moot Court Board. His law career began as trial attorney in the oldest and one of the largest law firms in Arizona. In 2002, he then became in-house counsel to several Fortune 500 companies managing complex litigation throughout the United States and Puerto Rico. In 2010, Joe became General Counsel to the Arizona Department of Administration. He then served as General Counsel to the Arizona Governor for three and half years, representing the Governor and the State of Arizona in many matters before the United States and Arizona Supreme Courts, as well as the Ninth Circuit and Arizona Court of Appeals. Joe became a member of the United States Supreme Court bar in 2012 and appeared before the United States Supreme Court that same year. Subsequently, Joe was appointed as a Maricopa County Superior Court Judge. In 2015, he joined the Arizona Attorney General’s Office as Senior Counsel and Deputy Division Chief for the State Government Division, which provides legal counsel to most Arizona state agencies. He is now Division Chief Counsel - Civil Litigation Division, overseeing and managing the Consumer Protection Section; Civil Rights Section; Bankruptcy and Collections Section; and the Tobacco Enforcement Unit. Joe also assists the Attorney General on special projects and represents the Attorney General at events or conferences.



Alex Siotos
Enformion

Topic: PWCI - Network of Professional Women in the Collections and Call Centers Industries (Open to All Attendees)
Come join the Professional Women in the Collections and Call Center industry for a round table discussion and sharing life experiences in keeping your skills sharp, what we must know to stay relevant as our jobs, companies, and the industry are constantly changing. Bring your great ideas to share!

The mission of the Network of Professional Women in the Collections and Call Center Industries (PWCI) is to Recruit, Retain, and Promote professional women in our industry. By joining our network and becoming more involved, you are expanding your network and building your brand. During industry conferences, we provide an environment for professional leaders of all levels to meet other women and share valuable knowledge, experience and resources.

Biography:Alexandra Siotos is the Partner Strategy Leader for Enformion based our of San Francisco, CA. Her entire business career has been focused within the consumer credit industry holding key client facing positions at Experian. During the last 15 years Alex was focused her efforts within the Accounts Receivable Management industry and is recognized as an industry expert for data solutions, analytics, and account segmentation. She is on the board of directors for PWCI bringing professional women together for further education and personal development.



Dave Snyder
Midland Credit Management

Topic: Legal Strategies & Outsourcing
Legal Strategies – learn the where, the what, the why, the when and the how comes to putting together a successful legal collection strategy for your organization. Understand what is changing in today’s climate, and how clients and attorneys can work together to efficiently and successfully collect on legal accounts. Always a few horror stories and hints for your operation as well.

Topic: Skip Strategies and Solutions: Skip Vendor Oversight

Biography: Dave Snyder, currently a Director – Legal Outsourcing for Midland Credit Management, began his career working with a small creditor’s right firm in Southern California. Looking for new opportunities, Dave opened his own law firm and successfully represented creditors, collection agencies and “startup” enterprise. A role with JP Morgan Chase presented itself and Dave wound down his firm to move in house. Following his role with JP Morgan, Dave began his career with Midland Credit Management. Initially as the State Managing attorney for Midland Dave led the state of California and quickly grew to the Regional Managing Attorney position. Today, as the Director – Legal Outsourcing, Dave’s team supports the various needs of Midland Credit Management and their firms across the nation.



Jan Stieger
Receivables Management Association International

Topic: What's the Buzz in the Industry - Debt Buying

Biography:
Jan Stieger, CAE, a 30-year veteran of association management, serves as Executive Director of Receivables Management Association (RMA), the trade association representing nearly 550 member organizations in the accounts receivables industry. Jan brings a wealth of experience in financial services, strategic planning, regulatory and legislative issues, international affairs, and credit and risk management.

Prior to joining RMA in 2011, Jan spent nine years leading the California Association of Collectors (CAC), the state affiliate of ACA International. She previously served in leadership roles with the California Optometric Association and the California Pharmacists Association.

Jan holds a Bachelor of Science degree in Economics and Finance from California State University Sacramento. She is also a member of the California Society of Association Executives and MPI International where she earned the Certified Association Executive and Certified Meeting Professional designations. Jan is also a Certified Receivables Compliance Professional (CRCP).



Jason Swift
Marlette Funding, LLC

Topic: Debt Settlement Strategies and Solutions: Debt Settlement Overview and Regulatory Perspective

Topic: Debt Settlement Strategies and Solutions: Operational Challenges and Concerns

Biography: Jason Swift is COO and BSA Officer of Marlette Funding, LLC. He currently is responsible for strategic planning and operations for application and loan servicing, loan verifications, fraud, loan funding, collections and asset recovery. Jason has 23 years of experience in financial services focused on operational strategy development, call center operations, and business planning and analysis.

Prior to joining Marlette in 2013, Jason was the Head of US Risk Operations for Barclaycard responsible for managing collections, asset recovery, and fraud operations.

He holds an MBA with a concentration in Financial Management from Goldey-Beacom College.



Dan Vande Zande
Landmark Credit Union

Topic: Credit Union Peer Group

Join your Credit Union collection peers and colleagues to discuss critical issues and concerns that affect the operations and success of today’s Credit Unions. This working group is a division of the Recovery Management Network. Membership is open to creditors, no vendors. If you are not a member and would like to join, please go to http://resourcemanagement.com/networking.html and complete the membership form.

Topic: Roundtable: Fraud
Fraud is a multibillion-dollar problem and continues to grow at an alarming rate. According to the Auto Finance Journal, risk of synthetic ID theft in auto loan applications has risen 240% in last 2 years!
What can we do to IDENTIFY it, DEAL with it, and PREVENT it? I’ll cover identifying red flags on credit bureaus that may indicate ID theft, I’ll provide you with a website link on how to verify if a SS# or ITIN truly match the name of the applicant, skip tracing tips on how to track fraudsters down, how to handle credit bureau disputes on fraud by fraudsters, and I’ll provide websites, other applications, and technology that can help you and organization prevent fraud. Please bring your ideas and best practices to the table and share them with us!

Biography:
Dan Vande Zande has been in the Financial Services Industry for 20 years. He started as a Branch Manager back in 1999 with Marine Credit Union in Waupun, WI, where he had the opportunity to work all positions from the teller line to mortgages. Dan spent a year as the Operations Manager in 2005 for six branches before they merged with another Credit Union in 2006.
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Debbie Venderley
Servicing Solutions, LLC

Topic: Vendor Oversight Roundtable

Biography: Debbie Venderley's current role as Head of Internal Audit, Vendor Management, and Internal Controls is the most recent stage of a career in banking and collections that has spanned auto finance, mortgage, and unsecured debts. With a passion for contributing to the organization’s governance, she applies a systematic, disciplined, and risk-based approach to identifying opportunities for effective operational performance. She manages enterprise vendor risk life-cycles from RFP and risk assessment to onboarding and offboarding. Prior to joining Servicing Solutions, Debbie held leadership roles at Hyundai Capital America, Triad Financial, New Century Mortgage, and Bank of America.



Jeremiah Wheeler
DRN

Topic: Skip Strategies and Solutions: Challenges and Strategies for Locating Collateral

Biography: Executive Vice President and General Manager, FinTech, Jeremiah heads up the division for DRN’s FinTech business, including business development, data collection and strategy efforts driving DRN’s license plate recognition (LPR) data and analytics solutions for collections and recovery in the auto finance and financial services industry. Prior to joining DRN more than 7 years ago, Jeremiah lead one of the largest repossession companies in the US, with more than 65 Trucks, covering 6 states and also having national coverage with the top 20 auto lenders for recovery services. He serves on two committees for the Receivables Management Association International and is very involved with numerous other financial services and recovery organizations. Jeremiah has been married for 17 years, has 4 kids, he enjoys spending time traveling with his family, teaching & coaching sports, mountain biking & most anything outdoors.



Anthony Williams
Resurgent Capital Services

Topic: Audit Oversight Benchmarking
Creditors and Debt Buyers with responsibility for vendor oversight are welcome to join this discussion.

Biography: Anthony Williams is the Senior Director of Servicer Oversight at Resurgent Capital Services. His role includes managing the External Compliance Audit, Vendor Security Audit, and all monthly compliance based audits such as TCPA, Call Monitoring, Collection Letters, etc. Anthony has been with Resurgent Capital Services for more than 15 years where he has served as Director of Recruiting & Training and Assistant Vice President of Operations. Prior to joining Resurgent Capital Services, he served as Assistant Vice President of Wholesale Loans for Emergent Mortgage Corp/HomeGold Financial Group. Anthony’s professional background covers multiple areas in the financial service industry including, banking, insurance, credit counseling, and sales. He possesses a BA in Sociology with a concentration in Business from Wake Forest University and a Masters of Business Administration from Southern Wesleyan University.



Brian Winn
Winn Law Group

Topic: Skip Strategies & Solutions Sessions:Dormant Judgment Collections - Post Judgment Asset Water Falls – Tricks and Traps
So, you’ve got the judgment, and now are just waiting for money to roll in? A good strategy and the appropriate use of available tools and resources can make a difference in maximizing collections on dormant judgments. Learn Tricks and Traps involved with using an Asset Waterfall for dormant judgments. Hear ideas for measuring success and calculating the ROI of your investment. Hear concepts to make sure that you don’t get trapped by some easy-to-make, but very expensive mistakes.

Topic: Legal Strategies & Outsourcing
Legal Strategies – learn the where, the what, the why, the when and the how comes to putting together a successful legal collection strategy for your organization. Understand what is changing in today’s climate, and how clients and attorneys can work together to efficiently and successfully collect on legal accounts. Always a few horror stories and hints for your operation as well.

Biography: : As one of the leading collection attorneys in California, Brian N. Winn recognized the need for creditor's attorneys to have a united voice in California. As a result, the California Creditors Bar Association (www.calcba.org) was formed in 2004, with Mr. Winn as its first President. This organization offers the California Courts, Legislature and Judiciary a single source of information for creditor's rights from more than forty California creditor law firms with the assistance of CCBA. After graduating with honors from UCLA, Mr. Winn attended Southwestern University of Law and received his Juris Doctor degree in 1977. He opened his own practice in 1982 specializing exclusively in creditor's right. The firm has seven full time and one part time attorney plus a support staff of more than 80. The law firm subsequently changed its name to the Winn Law Group, A Professional Corporation.
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Matthew Wolk
Neustar

Topic: Technology Meets Collections
Hear from technology and operational experts on topics such as: Understanding the role of AI and machine learning in your organization, Key elements in implementing AI in the collection process, key risks with technology, leveraging new technologies, innovations in identity intelligence, optimizing right party contacts and decreasing operational costs! Joining our panel to start are: Dan Fox, SmartAction, Abhishek Goel, Dasceq, Matthew Wolk, Neustar, and Gregory Allen, Pairity.

Biography: Matt Wolk is a Senior Director on Neustar’s Fraud, Risk and Compliance team. He is a 21-year veteran of call center analysis and operations specializing in the outsourcing of collections to improve revenue performance for both clients and vendors. Prior to Neustar, Matt worked at Capital One for 10 years managing the collection agency outsourcing along with legal collection outsourcing. After Capital One, Matt was responsible for the network of attorneys along with strategy and analysis for TRAKAmerica. Following TRAKAmerica, he most recently was responsible for operations, client management and business development for a division of CBE Companies. Matt has a BBA from Radford University.



Debt Connection Symposium and Expo

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