2018 Schedule

2018 LEND360 agenda

Sponsored by: LeadsMarket.com and MicroBilt

The focus on the LEND360 agenda is to bring together industry thought-leaders to discuss the topics that are most pressing to the fintech community. Don’t miss out on your opportunity to shape the future of the online lending industry by participating in our LEND360 content sessions:

Day oneDay twoDay three

Monday, October 8

10:00 AM
Sponsored by: Clarity Services, Inc. A part of Experian

Chicago Ballroom Foyer

Registration Opens

Registration desk will remain open throughout the conference.

1:30 PM

Innovation Hall: Chicago Ballroom

Welcome to LEND360 Chicago!  Networking Session and Innovation Floor Grand Opening

2:35 PM

General Session [KEYNOTE]
Sheraton Ballroom 5

Congressman Sean Duffy (R-WI)

2:55 PM

General Session [KEYNOTE]
Sheraton Ballroom 5

Why is Financial Health Good for Your Customers?

Jennifer Tescher, CFSI

Whether they realize it or not, banks and fintechs are in the financial health business. As companies continue to identify their role in helping their customers develop strong, long-term financial wellness, what are the key factors impacting financial health? Join CFSI President and CEO, Jennifer Tescher, as we explore how individual companies and the online lending industry can better understand our customers’ financial behaviors to help develop an industry framework for financial health.

3:15 PM

General Session [KEYNOTE]
Sheraton Ballroom 5

The Secrets of Customer Loyalty and Trust to Support Your Online Lending Business

Lily Harder, Mintel; Katie Spring, Edelman; Jonathan Walker, The Center for the New Middle Class; Kirk Chartier, Enova International; Bruce Cook, LendingTree

As the common saying goes, “perception is reality” and fintech is certainly no exception to that adage. Join our panelists as we dive into the data on how our customers view our industry, identify the 3 biggest factors affecting trust in online lending and how the fintech community can incorporate these practices into their business to continue to build trust with our end users.

4:05 PM
Sponsored by: Elevate

Forum Session [Legislative & Regulatory]
Erie Room

Navigating Issues at the State Level: A Discussion on How the States Can Support Fintech Innovation

Bryan Schneider, Illinois Department of Financial Regulation; Paul Purcell, Continental Advisors; Allen Denson, Hudson Cook; Katy Ryan, Buckley Sandler; PJ Hoffman, Electronic Transactions Association (ETA)

It is no secret that online lenders are facing multiple challenges when attempting to work within the existing regulatory structure including licensing issues, rate caps and interest rate disclosures, so what efforts can fintech do in the states to make sure they are staying compliant? Join our discussion with our panelists on the issues that they see making the biggest impact on fintech at the state level and how state regulators can support fintech innovation through concepts including model laws, passporting, and harmonizing licensing and supervision practices.

4:05 PM

Forum Session [Consumer Lending]
Sheraton Ballroom 5

Serving the Everyday Consumer: Products and Services for the Underbanked

John McWilliams, LexisNexis Risk Solutions; John Kaltenbach, MicroBilt; Senthil Ramanath, DM Analytics; Victor Pacheco, LendingPoint; Thomas Ervesun, Braviant Holdings; Tim Olzer, Lending Science DM

According to new survey data, 57% of American consumers don’t have enough cash to cover an unexpected $400 expense, traditional financial institutions have struggled to meet these needs due in part to the compounded fact that 43% of Americans have credit scores lower than 700. As a result, the demand for access to credit from these consumers has created a need to meet the demands of the underbanked community. Join our panelists as they explore the products and services that fintech providers are deploying to meet the needs created by hardworking Americans looking for funding.

4:05 PM

Forum Sessions [Business Lending]
Ontario Room

Small Business Lenders’ Call to Action: Coming Together for an Industry Discussion

Cathy Brennan, Hudson CooMark Dabertin, Pepper Hamilton; Steve Denis, SBFA; Bob Gage, Hudson Cook; Scott Stewart, Innovative Lending Platform Association (ILPA)

With regulators knocking on the door, building trust with our small business customers through transparency of terms, sound underwriting judgement and a unified set of best practices can help your business stay ahead of the curve. Join our panelists as they lead the call to action for best practices for small business finance and how the industry can come together to improve underwriting, compliance and the customer experience to ensure small business lenders are in the best light for not only our customers, but also regulators and investors.

4:05 PM
Sponsored by: Clarity Services, Inc. a part of Experian

Forum Session [Service Partner]
Superior Room

Protecting Your Brand: Developing a Strategy for Fraud Prevention and Data Security

Jon Geidel, DataX; John Dancu, IDology; Steve Craig, Mitek; Kurt Weiss, Whitepages Pro; Peter Maynard, Equifax; Greg Cote, Accelitas

For today’s fintech ecosystem, fraud and data security are a particularly painful form of risk that are damaging to both company bottom lines and their all-important reputations. Traditional approaches to controlling fraud and data security risk can be expensive, friction-heavy, and due to their heavily manual nature, scale poorly. As companies continue to observe unprecedented growth, how can the industry scale business without scaling risk? Join our panelists as they discuss the inherent challenges facing companies looking to scale their business without scaling risk, and how leveraging a combination of industry best practices and innovative technologies has allowed them to tackle the issue head-on.

4:05 PM
Sponsored by: CURO Financial Technologies Corp

Forum Session [Fintech Lending Perspectives]
Michigan Room

The Art of Making Your Pitch: The Do’s and Don’ts from the Investor and Originator Perspective

Larry Chiavaro, First Associates; Fred Wang, Hudson Cove; Ray Chan, Atalaya; Stephanie Klein, Braviant Holdings

Developing your pitch to investors can be a difficult task, especially when millions of dollars of capital for your business is at stake. Join our panel of investors that are providing capital to the fintech community for their insights on what investors are looking for, the rules of the road for a successful pitch and case studies of previous deals in online lending.

4:05 PM
Sponsored by LeadsMarket.com

Spotlight Stage

Late Night Show with LeadsMarket.com

Phil Richards, LeadsMarket.com; Donald Ung, LeadsMarket.com

4:20 PM
Sponsored by Datarobot

Spotlight Stage

Cutting Through the Hype: Machine Learning in Fintech

Igor Veksler, DataRobot

4:35 PM
Sponsored by LoanPaymentPro

Spotlight Stage

The “True” Cost of Not Taking Debit Card Payments

Michael Perkins, LoanPaymentPro

A healthy payments and customer retention strategy for any lender involves utilizing multiple payment methods that help increase the likelihood of payment approval, while also improving customer experience and ease of use.

5:00 PM
Sponsored by: LeadsMarket.com

Reception on the Innovation Floor [Chicago Ballroom]

Celebrate Chicago’s music legacy with blues music and classic cocktails.

Tuesday, October 9

8:00 AM
Sponsored by: Arrowshade

Chicago Ballroom

Breakfast on the Innovation Floor

8:00 AM
Sponsored by: First Associates Loan Servicing

Ontario Room

CEO Breakfast (By Invitation Only)

David Johnson, First Associates Loan Servicing

How Artificial Intelligence is Transforming Your Alternative Lending Business

8:00 AM
Sponsored by: Ingo Money

Huron Room

Specialty Breakfast

David O’Connell, Aite Group; Sam Verrill, OnDeck; Lisa McFarland, Ingo Money

Don’t Be Left Behind: Instant Loan Funding as the New Norm

8:00 AM
Sponsored by: Bradley LLP

Erie Room

Specialty Breakfast: Litigation and regulatory enforcement trends in small dollar lending. Is your Compliance Management System ready?

Jennifer Galloway, Bradley LLP; S. David Smith, Bradley LLP

8:00 AM

Spotlight Stage

Chicago Innovation Spotlight Stage

Avery Stone Fish, Chicago Innovation

8:15 AM
Sponsored by Elevate’s Center for the New Middle Class

Spotlight Stage

Hispanic Americans: The Un(der)tapped Opportunity in Non-Prime Lending

Jonathan Walker, The Center for the New Middle Class

8:30 AM
Sponsored by Emailage

Spotlight Stage

Email Risk Assessment for Online Fraud Prevention

Brian Roser, Emailage; Leslie Sutton, Emailage

9:00 AM

General Session [KEYNOTE]
Sheraton Ballroom 5

Congressman Mike Quigley (D-IL)

9:20 AM

General Session [KEYNOTE]
Sheraton Ballroom 5

Building Trust Through the Customer Experience in Fintech Lending

Brock Blake, Lendio

Helping small businesses think big begins with earning their trust. The key to that is customer experience. Lendio CEO Brock Blake will discuss his company’s approach to focusing on the customer experience, and best practices for how you can implement it into your business today.

9:45 AM
Sponsored by: Elevate

Forum Session [Legislative & Regulatory]
Erie Room

Updates on a National Charter, Bank-Fintech Partnerships and Small Dollar Lending: A Conversation with Federal Regulators

Michael Day, LEND360; Blake Paulson, Comptroller of the Currency; Rae-Ann Miller, Federal Deposit Insurance Corporation (FDIC)

As fintech companies look to expand their business and mature, promoting an environment of collaboration with federal regulators can help support innovation for consumers as well as the fintech industry. Join our conversation with federal regulators as we dive into the important regulatory and compliance issues facing fintech companies today.

9:45 AM

Forum Session [Consumer Lending]
Sheraton Ballroom 5

The Disruptors Becoming the Disrupted: Industry Trends and the Future of Fintech Consumer Finance

John Farber, Citi; Alex Lakatos, Mayer Brown LLP; Jesse Levey, Credit Sesame; Marc Schneider, Zebit; Jared Kaplan, OppLoans

The fintech consumer finance space is rapidly changing and evolving as relatively unknown disrupters to traditional financial institutions years ago have now become mainstream. Join our panelists as we explore what the current consumer fintech industry landscape, the impact of technology and innovation on the space and what the future of the industry will look like. We will explore who the major players are in the industry and what strategies they are executing to succeed.

9:45 AM

Forum Session [Business Lending]
Ontario Room

Challenges and Strategies for Acquiring Your Small Business Customers

Scott Spencer, Equifax; Jim Granat, The Business Backer; James Mendelsohn, Breakout Capital; Darrell Johnson, FRANdata; Ben Gold, QuickBridge Funding; John Lesnik, Lending Science DM

Attracting small business borrowers can prove to be a much more difficult challenge than that on the consumer side. Join our panelists as they share their latest marketing strategy secrets for customer acquisition for fintech small business lenders. Our experts will discuss what they are doing differently, how they are using alternative data in acquisition strategies and what costs are associated with acquisitions.

9:45 AM
Sponsored by: Clarity Services, Inc. A part of Experian

Forum Session [Service Partner]
Superior Room

Automation, Artificial Intelligence and Machine Learning Trends Fintechs Can Utilize

Ohad Samet, TruAccord; David Johnson, First Associates Loan Servicing; Dr. Pat Nanda, MicroBilt; Sam Bobley, Ocrolus; Kareem Saleh, ZestFinance

Fintech has already firmly established its place in the crowd of modern trends. What is on the horizon for fintech? Our panel shares insights on the new technology currently available to us – virtual reality, blockchain, and artificial intelligence.

9:45 AM
Sponsored by: CURO Financial Technologies Corp

Forum Session [Fintech Lending Perspectives]
Michigan Room

Investor Pain Points and Perspectives for Fintech Consumer Lending

Sasha Grutman, MiddleMarch Partners; Tom Welch, Victory Park Captial; Chris Sugden, Edison Partners; Jonathan Pompan, Venable LLP; Alex Dunev, Park Cities Asset Management

Hear the perspectives from the industry funders as they discuss their views of what is happening in the non-bank consumer finance market. Join our panelists as they focus on strategies for how consumer lenders are acquiring customers, what lenders are doing to differentiate themselves from their competitors, and examples of how successful deals in the space were completed.

9:45 AM
Sponsored by LoanPaymentPro

Spotlight Stage

What Keeps Lenders Up At Night?

Ryan Abramovic, LoanPaymentPro

Chokepoint 2.0, Banks pulling out and closing accounts, Costs risk and security, Competitors advantage…

10:00 AM

Spotlight Stage

Whitepages Pro Spotlight Stage

Kurt Weiss, Whitepages Pro

10:15 AM
Sponsored by: DM Analytics

Spotlight Stage

Credit Pre-Screen Channel for Rapid Growth

Senthil Ramanath, DM Analytics

10:45 AM
Sponsored by: ArrowShade

Innovation Floor: Chicago Ballroom

Break on the Innovation Floor

11:30 AM
Sponsored by: Elevate

Forum Session [Legislative & Regulatory]
Erie Room

What’s Going on in Policy Making at the State Level

Elliot Richardson, Small Business Advocacy Council (SBAC); Greg Porter, Catalyst; Danny Pfeifer, Catalyst; Brian Yates, Elevate; Jason Romrell, LeadsMarket.com

Our panel of experts share the latest updates on what is happening on the ground in the states. They’ll share issues and concepts that they see making the biggest impact on fintech ranging from state interest rate caps to the bank-fintech partnership model.

11:30 AM

Forum Session [Consumer Lending]
Sheraton Ballroom 5

Building a Successful Working Relationship: What Fintechs and Banks Can Learn from Partnering with Each Other

Phil Toth; Oberon Securities; Mark Dabertin, Pepper Hamilton LLP; Rochelle Gorey, SpringFour; Ric Leitheiser, BMO Harris; Jason Osterhage, Alliant Credit Union

Bank-fintech partnerships are the future. Hear from our panel as they share how these partnerships provide exciting new products and services that can help meet your customers’ demands, grow your customer base, and create cost efficiencies. And finally, hot to maintain the edge over competition.

11:30 AM

Forum Session [Business Lending]
Ontario Room

Industry Trends, Diverse Products and the Future of Small Business Lending

Stu Richards, Bredin; Carl Fairbank, Breakout Capital; Tim Mages, Expansion Capital Group; Bill Phelan, PayNet

The landscape of fintech small business finance is one of the hottest topics in the industry. Join our industry experts as we explore what current trends and innovations in small business finance are having the biggest impact on the industry. We will also discuss who the major players are in the industry. We will also discuss who the major players are in the industry, what strategies they are executing to succeed and what they believe the future of small business finance will look like.

11:30 AM
Sponsored by: Clarity Services, Inc. A part of Experian

Forum Session [Service Partner]
Superior Room

The “New Normal” in Underwriting Consumer Loans

George Coutros, Clarity Services; Christine Leddy, Clarity Services; David Peterson, Elevate; Chris McKay, OppLoans

Join us for an insightful panel discussion that will transform how you think about underwriting. Lenders are no longer at the mercy of limited data, but knowing how to leverage that data can make or break your portfolio. Discover what drives different types of credit scores and how to ensure you’re using the most current, relevant underwriting tools for their intended applications.

Panelists will discuss why it’s important to clearly delineate credit and fraud evaluations, and provide insights about how to approach expanding your market share by servicing near prime and subprime consumers. Learn how advancements in credit underwriting can prevent your decisioning from becoming the next casualty of incomplete, inaccurate or inappropriate data.
11:30 AM
Sponsored by: CURO Financial Technologies Corp

Forum Session [Fintech Lending Perspectives]
Michigan Room

How Blockchain and Emerging Technologies will Shape the Future of the Online Lending Ecosystem

Michael Day, LEND360; John Mizzi, Bond.One; Greg Nowak, Pepper Hamilton LLP; Reshma Kamath, Northwestern University Pritzker School; Steve Snyder, Bradley LLP

Our panelists will discuss the blockchains value in business plans for fintech companies. They’ll also cover potential applications for security, real-time funding, digital legal identity and corporate records.

11:30 AM

Spotlight Stage

LEND360 Startup Innovators Program: Company Pitches

Fintech startups compete for a $10,000 prize

12:30 PM
Sponsored by: Emailage

Innovation Floor: Chicago Ballroom

Lunch on the Innovation Floor

12:30 PM

Huron Room

Legal Issues Luncheon

12:30 PM
Sponsored by Bredin

Spotlight Stage

New Research: Building Small Business Trust

Stu Richards, Bredin

12:45 PM
Sponsored by: Microbilt

Spotlight Stage

Innovation in Banking Products

Keith Goodnight, Microbilt; John Kaltenbach, Microbilt; Sheri Reynolds, Microbilt

1:00 PM
Sponsored by: Equifax

Spotlight Stage

The Future of Analytics

Peter Maynard, Equifax

1:15 PM
Sponsored by: ZestFinance

Spotlight Stage

Explainable AI and the Future of Underwriting

Kareem Saleh, ZestFinance

1:30 PM

Spotlight Stage

Illinois Technology Association Spotlight Stage

Julia Kanouse, Illinois Technology Association

1:45 PM
Sponsored by: Zero Parallel

Chicago Ballroom Foyer

Popcorn party

2:15 PM

General Session [KEYNOTE]
Sheraton Ballroom 5

The Growing Fintech Ecosystem: Sizing Up and Noting Trends for the Non-Bank Market

John Hecht, Jefferies

There’s no question John Hecht, Jefferies’ Managing Director, is one of the best analysts out there, with a success rate of 78% and an average return per rating of 14.1%! This presentation will highlight exciting new growth opportunities for online lenders.

2:35 PM

General Session [KEYNOTE]
Sheraton Ballroom 5

A Fireside Chat with Kabbage

Kathryn Petralia, Kabbage, Inc.; Rob Frohwein, Kabbage, Inc.

As the fintech leaders of our industry move from the niche into the mainstream, how will online lending organizations evolve and build their brand in an ever-changing, digital world? Will fintech organizations focus on being the “fin” in fintech and strive to become the banks they have disrupted, or will they focus on the technology and partner with traditional financial institutions? Join Kabbage Co-Founders Kathryn Petralia and Rob Frohwein for a conversation on the state of the online lending industry and the future of fintech.

2:55 PM

General Session [KEYNOTE]
Sheraton Ballroom 5

GETTING. LENDERS. PAID. – A Fireside chat with Visa, Republic Bank, and LoanPaymentPro

Justin B. Perun, LoanPaymentPro; Greg Berg, Republic Bank of Chicago; James Celli, Loan Payment Pro; Corrina Chow, VISA

Come listen to how the Card Association, a Fintech Friendly Bank and a Leading Payment Processor are working hand-in-hand to truly innovate the consumer finance industry.

3:30 PM
Sponsored by: DataRobot

Innovation Floor: Chicago Ballroom

Break on the Innovation Floor

4:10 PM
Sponsored by: Elevate

Forum Session [Legislative & Regulatory]
Erie Room

Legal Challenges to Bank/Fintech Partnerships: Current Landscape Regarding True Lender and Valid When Made Litigation

Michael Day, LEND360; Rick Eckman, Pepper Hamilton; Scott Pearson, Ballard Spahr; Brian Knight, Mercatus Center at GMU; Cathy Brennan, Hudson Cook

There has been a lot of action at the state level when it comes to litigation and at the federal level pertaining to guidance from governing agencies, but what does it all mean for fintech? Our panelists discuss the court cases and agency policies that online lenders should be tracking and what they could potentially mean for your business.

4:10 PM

Forum Session [Consumer Lending]
Sheraton Ballroom 5

Meeting Unique Consumer Access to Credit Needs

Robert Gage, Hudson Cook, LLP; Joel Frisch, Prodigy Finance; Amitay Kalmar, Lendbuzz; Eric Wilson, Better Mortgage

Ensuring our customers have access to credit is critical for the future of our industry. So, what is it they’re looking for? Our experts will share what they are doing to meet the unique needs of their customers from a variety of lending verticals.

4:10 PM

Forum Session [Business Lending]
Ontario Room

Investor Pain Points and Perspectives for Fintech Small Business Lending

Edward Wu, Revere Capital; Mark Solovy, Monroe Capital; Jeffrey Rogers, LiftForward; Ryan Rosett, Credibly; Jeremy Todd, Prime Meridian Capital Management

Hear the perspectives from the industry funders as they discuss their views of what is happening in the nonbank small business finance market. Join our panelists as they focus on strategies small business lenders are using to acquire new customers, differentiate themselves from their competitors and examples of how successful deals in the space were completed.

4:10 PM
Sponsored by: Clarity Services, Inc. A part of Experian

Forum Session [Service Partner]
Superior Room

Innovative Fintech Payment Trends and Solutions

Annette Higgins, Cash Flow Solutions; Jim Colassano, The Clearing House; Manoj Verma, TabaPav; Blake Sims, Hudson Cook, LLP; Jesse Berger, MerchantBoost; Justin B. Perun, LoanPaymentPro

While we expect the payments industry to keep growing at a healthy rate, powerful disruptive forces will begin to reshape the global landscape. Hear from our panelists as they share their insights on current trends shaping the industry, and what to expect next.

4:10 PM
Sponsored by: CURO Financial Technologies Corp

Forum Session [Fintech Lending Perspectives]
Michigan Room

The Changing Landscape of the Customer Experience: The Digital Transformation of Lending

Justin Steffen, Jenner & Block LLP; Sameh Elamawy, Scratch; Bill Baker, CURO; Wei Ke, Simon-Kucher & Partners

Just “going digital” is no longer a differentiator. Lenders have made significant investments in technology and digital transformation initiatives -but how does this impact the customer experience? Our panel shares their insights on what this means to the customer.

5:00 PM
Sponsored by: Microbilt

Outdoor Reception: Riverwalk Promenade

View of the iconic Chicago skyline along the river.

Wednesday, October 10

8:00 AM

Chicago Ballroom

Breakfast on the Innovation Floor

8:00 AM
Sponsored by: TransUnion

Erie Room

Specialty Breakfast: Loan Stacking – The Ongoing Impact of Fraud and Credit Risk

Liz Pagel, TransUnion

As fraud trends have continued to evolve over the past few years, a significant uplift has begun in new account fraud, and is expected to continue on a consistent growth pattern for the new few years. A strong lending market and the innovation of FinTech and peer-to-peer lending has fueled steep growth in personal loans for the last 5-6 years. Many lenders today offer same day / next day funding of loans to qualified applicants, with a focus on ease and speed of access to cash, powered by digital transformations that enable straight through processing to apply, approve, and fund loans rapidly. This is attractive to good consumers looking for the right loan delivered in a convenient manner – but it’s also attractive to others who make use of “loan stacking” activity that can lead to big losses. This presentation will cover TransUnion’s study on the issue of loan stacking and offer insights as to how lenders can spot this issue and prevent fraud.

9:00 AM
Sponsored by: Elevate

Forum Session [Legislative & Regulatory]
Erie Room

Update from Washington: Federal Fintech Policy Roundtable

Mary Jackson, Online Lenders Alliance; Dan Gans, Polaris Government Relations; Larry Lavender, Lavender Consultants; Hadley Sosnoff, EmergentDC

What is happening on Capitol Hill that will impact the future of fintech? Our on-the-ground experts share their thoughts and insights on where federal policies are heading.

9:00 AM

Forum Session [Consumer Lending]
Huron Room

Impactful Customer Acquisition Strategies for Online Consumer Lenders

Jeff White, The Wheelhouse Group; Mike Failor, Enova; Donald Ung, LeadsMarket.com; Timothy Li, MaxDecisions, Inc & Alchemy Technology; Bill Swift, dot818

Consumer lenders are always looking for new and innovative ways to attract more business. Join our panelists as they share their latest marketing strategy secrets for customer acquisition for fintech consumer lenders. Our experts will discuss what they are doing differently, how they are using alternative data in acquisition strategies and what costs are associated with acquisition.

9:00 AM
Sponsored by: Clarity Services

Forum Session [Service Partner]
Superior Room

Debt Selling and Collection Strategies for Optimizing Returns on Defaults

Jim Mastriani, Receivables Management Association (RMA); Chris Asbrock, Debt Management; Dave Ludwig, National Loan Exchange, Inc.; Roy Nickerson, Servicing Solutions; Harry Strausser III, The Association of Credit and Collections Professionals (ACA)

Find out from the collections and receivables industry on the challenges and opportunities that fintechs present.

9:00 AM
Sponsored by: CURO Financial Technologies Corp

Forum Session [Fintech Lending Perspectives]
Michigan Room

How to Fintech Workshop

Mike Nonaka, Covington & Burling LLP; Randy Rivera, BBVA Compass; Mark Matheson, Bank of the Internet; Tom Kousgaard, Enova International

Hear directly from the experts about how to form bank-fintech partnerships. Our panel will also share regulatory considerations for these unique partnerships – including opportunities, challenges, and new developments.

10:00 AM
Hosted by: Online Lenders Alliance

General Session
Michigan Room

Townhall Discussion: Issues Impacting Online Lending

Mary Jackson, Online Lenders Alliance; Melissa Soper, CURO Financial Technologies Corp; Jason Romrell, LeadsMarket.com; Doug Clark, Axcess Financial