[KEYNOTE] Noah Breslow
Noah Breslow is Chief Executive Officer and Chairman of the Board of OnDeck® (NYSE: ONDK), the nation’s leading online small business lender. Mr. Breslow was OnDeck’s first employee, joining the company in 2007 to lead its product and technology efforts. Prior to being named CEO in 2012, he served as OnDeck’s Chief Product Officer from October 2009 until September 2011 and as its Chief Operating Officer from October 2011 until June 2012. Previously, he was Vice President of Marketing and Product Management for Tacit Networks, Inc., a provider of wide area network optimization solutions. OnDeck pioneered the use of data analytics and digital technology to make real-time lending decisions and deliver capital rapidly to small businesses online. Since its first loan in 2007, OnDeck has provided over $11 billion in financing to customers in 700 different industries across the United States, Canada and Australia. Mr. Breslow holds an MBA with Distinction from Harvard Business School and a S.B. in Computer Science and Engineering from MIT.
[KEYNOTE] Tom Burnside
Tom Burnside is a founder and the Chief Executive Officer of LendingPoint. Originally created to provide NearPrime consumers with affordable access to credit that they are often denied, LendingPoint has now expanded to serve folks with credit scores ranging from 580- 850, both online and at the point of sale. Tom brings over 25 years of experience and a wealth of industry knowledge to LendingPoint. An accomplished credit and financial services leader as well as a respected data scientist, Tom’s early career focused on using big data to solve needs for the payments industry, including development of models for check clearance at Telecheck, a First Data Company and casino lending at Global Cash Access, a First Data Company. Tom also led Hogan Services data collection aggregation businesses for credit bureau clients. Prior to founding LendingPoint, Tom served as President and COO of CAN Capital. Tom believes that while the mission of LendingPoint is to serve our customers’ financial needs, that mission is only possible through disciplined, data-driven credit and risk management.
[KEYNOTE] Kirk Chartier
Kirk Chartier leads Global Marketing, Communications, and Strategy groups. From 2010 through 2012, he served as CMO at optionsXpress. Prior to that he was the Senior Managing Principal for Strategy at Zyman Group (part of MDC Partners) from 2005 to 2010, and was contracted as the interim Marketing and Distribution leader at Safeco Insurance and Global Product Marketing Leader at EDS. Kirk has an MBA from Syracuse University, a BA in Economics from Holy Cross and a BS in Engineering from Worcester Polytechnic Institute. He is also served as a Marine Corps Officer and combat helicopter pilot.
[KEYNOTE] Jim Dolmas
Jim Dolmas is a senior research economist and advisor at the Federal Reserve Bank of Dallas. His main research interests are in the field of macroeconomics, where he has worked on such topics as the costs associated with business cycles, the effectiveness of stabilization policy, inflation measurement, and the politico-economic determinants of inflation, taxation and immigration policy. His research has appeared in scholarly journals such as International Economic Review, Review of Economic Dynamics and Journal of Economic Dynamics & Control. Dolmas holds a PhD in economics from the University of Rochester and a bachelor’s degree with honors in economics from the University of Chicago. Prior to joining the Dallas Fed in June 2000, he taught economics at the undergraduate and graduate level at Southern Methodist University. He has also taught at the University of Rochester and the University of Texas in Austin. Dolmas developed and maintains the Dallas Fed’s Trimmed Mean PCE inflation rate. In addition to briefing the Bank’s president on national economic conditions, Dolmas writes monthly analyses of inflation data for the Bank’s website.
[KEYNOTE] Rob Frohwein
In 2008, Rob Frohwein recognized that companies like eBay offered automated access to small business transaction data via APIs. Rob realized small businesses can simply share this data to allow underwriters to make better, faster credit decisions and provide a great user experience. He co-founded Kabbage in Atlanta, Georgia to leverage this power of real-time data automation through technology and has since expanded the business to serve all small businesses throughout the U.S. In the U.S., Kabbage has provided over $6 billion to 165,000 customers. In addition, Kabbage has licensed its technology to large, global banks so they can provide the same experience to their small business customers and Kabbage’s technology now powers automated small business lending across the globe. Rob holds a law degree from Villanova University, where he graduated Magna Cum Laude. He is the listed inventor on ten United States Patents, a co-author of three books on intellectual property and has been recognized four times as one of the top 300 intellectual property strategists globally by Intellectual Asset Magazine. As Kabbage expands and continues to support more small businesses, Rob ensures the company maintains great conviction to its vision, as well as a unique culture and considerable laughter quotient.
[KEYNOTE] Jim Granat
Jim Granat is Head of Small Business Financing for Enova International (NYSE: ENVA), a leading provider of online financial services to non-prime consumers and small businesses. In his role, he is responsible for bringing easy-to-access working capital to more small businesses in the U.S. and growing the Headway Capital and The Business Backer branded products. With a decade of experience in online lending, Jim previously served as President at Lendio and as Chief Operating Officer at FDI Management. He holds his BA in accounting and finance from Arizona State University. While at ASU, Jim was a member of the golf team, and he later played professionally.
[KEYNOTE] Scott Griest
Scott has more than nine years in the small business funding industry and 15 years in the financial services space. He was the founder and CEO of American Finance Solutions (which was acquired by Rapid Capital Funding), Co-founder and COO of Consolidebt, and founder and CEO of Second Chance Finance before joining RCF. Scott has been heavily quoted and authored numerous industry articles. Among other duties, Scott oversees RCF’s west coast operations and facilities. In Scott’s downtime, he enjoys surfing and traveling.
[KEYNOTE] David Leibowitz
As the co-founder and Chief Executive Officer at Mulligan Funding, David motivates, directs, and leads the organization, as well as lays its foundation for expansion. At Mulligan Funding, we understand the value that accessing reliable working capital plays in being able to compete in a demanding marketplace. We also understand the frustration of being denied access to small business financing or being subjected to an unnecessarily complicated process. In light of these revelations, Mulligan Funding was founded to specifically serve the unique financial needs of small to medium sized businesses. Prior to moving to the United States from South Africa in 2009, David spent many years practicing as an attorney, as well as several years working in Corporate Finance and Structured Finance.
[KEYNOTE] Kathryn Petralia
Kathryn Petralia is the President and Co-Founder of Kabbage, a leading global financial services, cash-flow technology and data platform for small businesses. Before co-founding Kabbage, Kathryn spent nearly 15 years working with large and small companies focused on credit, payments and e-commerce. After graduating from Furman University with an English degree, Kathryn pursued her interest in technology to launch a number of successful startups. She also served as Vice President of Strategy for Revolution Money, an Internet-based credit card startup, and was a corporate development executive with CompuCredit Corporation, where she was responsible for entering new markets, developing products and establishing strategic alliances. Kathryn was named to Forbes’ 2017 list of the World’s Most Powerful Women. Kathryn serves on the boards of CARE USA, Fannie Mae Advisory Board, The Woodruff Arts Center, Padsplit, Rented.com, and the Atlanta Chamber Music Festival.
[KEYNOTE] Don Ross
Don joined Trustpilot in October 2016. Formerly the CEO of Bankrate.com, he and his team grew the personal financial service website’s revenue from $79M to over $550M in under nine years. Don works to further grow Trustpilot’s business and revenue, and cement its position in North America. Previously, he served as the Senior Vice President of Sales & Marketing at Harris Connect, Inc. and SVP of Sales at Worldweb.net. Don holds a Masters of Marketing & Advertising from Michigan State University and Executive Education in Sustainable Marketing Leadership from Harvard Business School.
[KEYNOTE] Adam Stettner
Adam has over 25 years of leadership experience. He is the Founder and CEO of Reliant Funding, providing funding to small and medium sized businesses nationwide. Under his leadership, Reliant has been named to the Inc. 500/5000 list 7 consecutive years and has been recognized by numerous other national publications as a leader for growth, profit and entrepreneurial drive. Reliant has funded $1.5 Billion to over 50,000 small businesses since 2008 and has grown to employ over 180 people in two offices, New York and its headquarters in San Diego, CA.
Andrew Alias is a Certified Payments Professional and has been in the payments industry for over twelve years. He began his career as a Sales Manager for REPAY and has served as the Vice President of Sales for REPAY for nearly a decade. As Vice President of Sales, Andrew is responsible for developing new business opportunities and providing payments expertise to clients in the consumer finance industry. Andrew serves on the Shepherd Center Foundation Board of Trustees, a private, not-for-profit hospital specializing in the medical treatment, research and rehabilitation for people with spinal cord injuries. He pursued a degree from the University of Mississippi in Hospitality Administration and Management.
Alterman has been with GDS Link for ten years. Until recently Alterman managed the sales and marketing teams. His focus now is on strategic partnerships and acquisitions. He has more than 37 years devoted to credit risk management in consumer lending. Before joining GDS, Alterman was senior vice president of product management and new business development for Corelogic-Teletrack. Prior to Teletrack he held the position of Director of RSA banking and CRM solutions for Computer Sciences Corp. (CSC), where he administered the account management for three of the largest banks in the Republic of South Africa. His role included overseeing the development of an event-based consumer management platform for South Africa’s largest financial institution. Alterman’s background also includes hands on risk management experience at American Express Centurion Bank, the credit card division at First National Bank of Boston and Citicorp Retail Services Inc.
- Northwestern University, B.A. in Philosophy and Political Science
- Kellogg School of Management at Northwestern University, M.B.A.
- CFA 40 Under 40 Award Recipient, 2018
- Calder Capital Partners, Analyst
- MindShare Capital, Equity Analyst
- Chicago Association of Private Equity Executives
Dipanjan is head of Credit Risk for Marcus by Goldman Sachs responsible for end to end Credit Risk Management for Marcus Lending Business. He joined Goldman Sachs in 2015 as part of initial hires to build consumer finance business within GS. Prior to joining GS, Dipanjan worked at Commonwealth Bank of Australia, Discover and GE Capital in various leadership roles building and managing consumer and small business lending products across the globe. Dipanjan has a Bachelors and Masters degree in Statistics from Indian Statistical Institute.
Brock Blake is the CEO and founder of Lendio, the largest online marketplace of business loans in the U.S. Brock believes that access to capital should be simpler and quicker for small business owners, and he’s built a successful company around solving this problem. Brock leads the team that has facilitated over $1.5B in loans to small businesses to-date. An Inc. 500 CEO, national keynote speaker, Forbes columnist, and Utah’s Emerging Executive of the Year, Brock’s dedication extends far beyond the boardroom. He has shaped a superior company culture with a humble and hungry team that is passionate about driving results and giving back. For every loan facilitated on Lendio’s marketplace platform, Lendio Gives, an employee contribution and employer matching program, provides a microloan to a low-income entrepreneur around the world through Kiva.org. Brock’s most important accomplishments come from being a husband and a father of four.
Brett Boehm is the CEO for TBF Financial, LLC. Brett has over 20 years of experience in the commercial debt buying marketplace and is an attorney licensed in the state of Illinois. TBF focuses on purchasing small ticket non-performing commercial paper and has purchased from some of the largest finance companies in the country. Their portfolio of purchases include equipment leases, MCA, small business loans, unsecureds and real estate secured. Brett has attended and presented at many different industry related associations and looks forward to participating at LEND360 this Fall.
Aman Boyd is a transformational leader with a proven passion and talent for creating sustainable human, social and economic value. Aman is responsible for identifying and implementing Strategic Partnerships and Integrated Business Risk at Alliant Credit Union – the 7th largest credit union with over $11.5 billion in assets. Prior to his current role at Alliant he built and led the Loan Trade Desk in 2013 which executed over $1.5 billion in secondary market transactions. His finance career began at Bank of America in the syndicated and leveraged loan capital markets group. From 2008 – 2013 Aman pursued his culinary and business dream and founded and operated a pizza and craft beer restaurant concept – Revolution Pizza and Ale House. Prior to financial services Aman worked for the United Nations in Rwanda. He holds two Masters Degrees from the University of Maryland – Business Administration and Public Policy. He earned his bachelors in sociology from Washington University in St. Louis.
Catherine is a partner in the Hanover, Maryland office. She assists national and state banks, investment banks, consumer and commercial finance companies, mortgage bankers, installment lenders and other licensed lenders in the development and maintenance of nationwide consumer and commercial lending programs. Catherine engages in credit due diligence on behalf of investors in fintech firms, bank partnership platforms, small business lenders, merchant cash advance companies, consumer finance companies, title loan companies and payday lenders. Catherine serves as a Vice Chair of the American Bar Association (ABA) Consumer Financial Services Committee and is a frequent presenter for the ABA Business Law Section, Alternative Finance Bar Association, deBanked and Lend360. She writes articles and comments regularly for national publications in the areas of fintech, small business lending, bank partnerships and other consumer finance compliance topics. Catherine was the Assistant City Solicitor/Assistant State’s Attorney for the Department of Housing and Community Development, Code Enforcement Legal Section from April 2001 to January 2004.Catherine also represented the Mayor and City Council of Baltimore City in the civil prosecution and the State of Maryland in the criminal prosecution of owners of properties in violation of the Baltimore City Building, Housing and Zoning Codes, obtained search warrants to investigate possible violations of municipal law, provided technical assistance with press and public relations to the Director of the Code Enforcement Legal Section, and worked with communities and lenders on foreclosed properties to address complaints. Catherine was the Education Director, Advocates for Children and Youth from November 1999 – April 2001. She was Staff Director for The New Maryland Education Coalition from November 1999 – April 2001, the Staff Attorney for The Women’s Law Center of Maryland, Inc. from January 1999 – November 1999 and was the Pro Bono Project Coordinator for the Bar Association of Baltimore City from August 1997 – January 1999. Catherine was also a Legal Writer for The (Baltimore) Daily Record from October 1995 – August 1997. Catherine received her law degree in 1995 from the State University of New York at Buffalo and received her Bachelor of Arts degree in English and Psychology from Fordham University in 1992.
Karen Brown joined Lending Science DM as Vice President & General Manager Risk Analytics in May 2019. Prior to joining LSDM, Karen was the SVP, Model Development for Synchrony where she had responsibility for the development of all consumer, commercial and capital models supporting Synchrony’s private label credit card, bankcard, and installment lending programs. She was also integral to the establishment of Synchrony’s independent Model Development and Model Risk Management functions when Synchrony sought independence from GE Capital in 2015. Karen joined GE Capital in 2003 when GE acquired Conseco Finance. She worked in a variety of roles leading model development, credit strategy development, and credit risk infrastructure for the Sales Finance business prior to her promotion to SVP. Karen has over 25 years’ experience in financial services as both a consultant and a lender. In her free time Karen enjoys spending time with her husband and two sons, running, and boating.
Steve is the CEO of ForwardLine Financial, a PE-backed lender helping America’s small businesses improve their financial health by providing transparent access to working capital loans. Prior to ForwardLine, Steve was the co-founder and CEO of Ascend, where he led a team in defining the next generation of lending through the use of behavioral economics and real-time data. The former head of marketing and business development at Intuit Financial Services (Mint.com and Quicken), Steve has also held senior executive roles at HSBC and Washington Mutual, and advised global financial services firms as co-founder of Sung Carlson Associates. He is actively involved on the regulatory front, including having served as an inaugural member of the CFPB’s Consumer Advisory Board. Steve holds a B.A. in political science from the University of Illinois at Urbana/Champaign, and an M.B.A. from the Kellog School of Management at Northwestern University.
Tom is the VP of Business Development and Strategic Partnerships at ForwardLine Financial, a leading SMB lending platform backed by institutional investors. ForwardLine started in 2003 and is focused on improving the financial health of America’s small businesses by providing convenient, transparent and fairly priced working capital loans. Prior to ForwardLine, Tom held various leadership positions in lending and fintech with expertise in building innovative products and business development. In his career, Tom has also developed partnerships with a variety of companies including leading fintechs, lenders, banks, brands and retailers. Most recently, Tom was with Think Finance and Prosper leading business development. Prior to that, Tom was a founding executive at innovative POS financing platform Vyze, which was recently acquired by Mastercard. His earlier career was with Dell Financial Services, where he held several leadership positions in operations, strategy and product helping them grow from early stage to a multi-billion dollar portfolio and a premier captive financing company. Tom earned his M.B.A. from the University of Texas at Austin and his B.A. in Economics from the University of Wisconsin at Milwaukee.
Larry Chiavaro is a dynamic sales and business development executive with an outstanding 25-year track record of identifying and developing growth in the consumer finance industry. In his current role as Executive Vice President and Principal of First Associates Loan Servicing, Mr. Chiavaro has used his vast expertise and deep industry relationships to help build the company into the fastest growing servicer of loan and lease portfolios in the United States. Prior to joining First Associates, he developed the BPO Loan Servicing Business for CSC, working with banks, investment banks, finance companies and credit unions on a national level. Mr. Chiavaro also created and managed a national wholesale sales force for NovaStar Mortgage and held leadership positions at Household/HSBC Auto Finance and GE Capital, where Jack Welch, the legendary CEO of General Electric, recognized him for his record-setting production. He has strong historical ties to the rating agencies built over years of experience in the consumer finance industry and was active in the first publicly-rated marketplace lending securitization for Eaglewood Capital, CAN Capital and Blackrock’s securitization for Prosper Loans. Mr. Chiavaro is the owner of the Consumer Finance Professionals Group on LinkedIn and is a graduate of the GE Management Institute and GE Six Sigma program.
Mark T. Dabertin is special counsel in the Financial Services Practice Group of Pepper Hamilton LLP, resident in the Berwyn office. Mr. Dabertin has over 25 years of broad-based experience in financial services law and regulatory compliance. Mr. Dabertin’s career includes extensive experience in banking, lending, safety and soundness, and anti-money laundering. His work in regulatory compliance at large financial institutions has been marked by innovations that resulted in fundamental structural changes to existing firm-wide compliance activities, including with respect to regulatory change management, risk assessments, and vendor management. Mr. Dabertin frequently handles the negotiation of agreements between non-bank lenders and regulated banks, and has represented both banks and non-bank parties to such relationships. Mr. Dabertin has authored numerous articles regarding the online lending industry, including for the Review of Banking and Financial Services, the American Banker, and the Journal of Taxation and Regulation of Financial Institutions, and is often called upon to serve as a speaker or panelist at online lending conferences.
John Dancu has served as CEO of IDology, a GBG Company, since 2005. John has a widespread track record in advising customers, including many Fortune 500 companies, and pioneering industry collaboration initiatives. IDology’s reputation as an innovator has been driven by continual advancements to identity verification and fraud detection methodologies. The fraud landscape is continually evolving and through IDology solutions, John has helped businesses reduce losses, improve processes and collaborate across industries with solutions that attack fraud.
Bob Deter has more than 30 years of financial services experience. He has served in key senior roles with a major credit issuer, with debt buyers and a third-party collection agency. He spent 17 years with Discover Card, including his role managing Discover’s former debt sales program. He later served as EVP of Acquisitions and Business Development with a debt purchaser where he successfully increased market share and improved processes within analytics and transactional programs. Just prior to joining Crown, Bob was VP of Compliance with a large third-party collection agency. Bob’s background provides unique insight, knowledge and understanding of the credit and collection industry.
Vikas Dua is the Chief Operating Officer at Ocrolus. In this role, Vik oversees an international team of engineers and more than 400 operations employees. He is obsessed with maximizing the company’s operational capacities — ensuring industry-leading speed, accuracy, and efficiency in our product — while optimizing cost controls. Before working at Ocrolus, Vik was Director of Special Operations at Handy HQ. He spent five years in private equity consultancy at AEG and McKinsey & Company, working with dozens of different companies in operational, strategic, and financial capacities to solve key business problems. Vik has a Masters in Electrical Engineering from the State University of New York at Buffalo, and an MBA from the University of Chicago Booth School of Business. In his spare time, Vik enjoys running with his wife, or after his 2-year-old little daughter.
Richard P. Eckman is Of Counsel in the Wilmington office of Pepper Hamilton LLP. He is a finance and transactional lawyer. He has practiced consumer financial services law for over 35 years representing financial institutions, non-depository lenders, and service providers in compliance matters, strategic transactions, government investigations and enforcement actions. He represents fintech lenders in many areas, including consumer finance small business lending, merchant cash advance and co-branding relationships. He also represents many clients in dealing with payment issues including dealing with FinCEN and state money transmitter statutes. He specializes in helping non-bank lenders and their service providers in designing and launching online lending platforms and businesses that operate on a national basis. He also has represented a number of American Indian tribes in launching online lending businesses.
As creator of the Ellis Insight publication and Senior Political Analyst for the Business-Industry Political Action Committee (BIPAC), Jim Ellis analyzes electoral politics and reports upon trends, characteristics, and tendencies in American elections. He is a 35-year veteran of politics at the state and national levels. He specialized in corporate grassroots lobbying, campaign management and coalition building as President of the Ramhurst Corporation of North Carolina and as a manager of the Public Issues Department of R. J. Reynolds Tobacco Company in Winston-Salem, NC. Additionally, he formerly provided political consulting services to the House Republican majority through 2006, has run two national political action committees, and managed successful political campaigns. In 2018, Jim Ellis delivered nearly 100 speeches or presentations about the Midterm Elections to groups across the country. He previously appeared as a debate participant on the CBS affiliate in Washington, DC’s morning news program, and has been interviewed on many national and local radio programs. Jim Ellis earned a B. A. in Political Science from the University of California at Davis in 1979. Outside of politics, he is a high school football official and resides in northern Virginia.
Rob Enayati is the managing attorney of Bel Air Law Firm, P.C., a premier boutique corporate law firm representing specialty finance companies, investment advisors, and other financial institutions in a wide array of commercial transactions, such as structuring and negotiating asset-based loan facilities collateralized by pools of small business loans, factored receivables and merchant cash advances, consumer loans, auto warranty contracts, patents and licensing rights, mortgage loans and SFR properties, non-performing loans, microloans in emerging markets, structured settlements, and other pools of homogenous or semi-homogenous collateral assets. Previously, Rob was the first general counsel of an alternative credit fund based in Los Angeles where he lead the foreclosure of two fintech companies: a small business lender and a point-of-sale consumer lender. Prior to his role as general counsel, Rob practiced in the New York, Hong Kong and Los Angeles offices of large international law firms, each of which are consistently ranked among the top 10 most prestigious firms in the United States. Rob received his law degree from Georgetown University and obtained a bachelor of arts in Rhetoric from UC Berkeley. He served as law clerk to the Honorable Richard Neiter of the United States Bankruptcy Court in the Central District of California. Rob is admitted to practice in New York and California. https://www.belairfirm.com/rob-enayati
Thomas is a serial fintech operator who has launched and grown multiple online lending businesses. Prior to becoming President and Chief Operating Officer at Braviant, Thomas was the Head of Strategy and Operations for NetCredit, a U.S. personal loan business owned by Enova International. While at Enova, Thomas was an integral member of the team that launched the company’s first-ever bank origination partnership to establish a national footprint. In his current position at Braviant, Thomas launched the Chorus Credit product, expanding Braviant’s offerings to include larger, lower-cost loans for near-prime consumers. He earned his B.S. in Industrial Engineering from Purdue University.
Dennis has spent his entire 30+ year career in consumer financial services, the vast majority of those years in marketing leadership roles in the sub-prime lending industry. In those years Dennis has developed and managed customer acquisition campaigns generating over 3 million consumer accounts annually, using all varieties of marketing channels. As a founder and partner with IM Group Marketing, Dennis works with clients to help shape all of their customer communication programs.
Katherine (“Kate”) Fisher is a partner at the law firm of Hudson Cook, LLP and co-chairs the firm’s Business Funding Group. Her practice focuses on Consumer Financial Services and Small Business Financing. Kate represents banks, finance companies, private equity and investment bank investors, merchant cash advance companies, and small business lenders in establishing new programs and products, and conducting due diligence and compliance reviews of consumer lending and business financing portfolios. Kate is a founding member of the Alternative Finance Bar Association, an organization of attorneys who represent merchant cash advance companies and lenders providing financing to small businesses. She has testified before the United States House of Representatives Small Business Subcommittee regarding improving small business capital access and recently appeared several times before the California legislature and New Jersey Senate Committee on Commerce regarding proposed disclosures for business finance transactions.
Jennifer Galloway serves as Banking and Financial Services Counsel in Bradley’s Tampa office. Her practice is dedicated to helping financial services clients successfully navigate increasingly complex regulatory and business environments. She is co-chair of Bradley’s Small Dollar and Unsecured Consumer Lending team and focuses on consumer financial services laws and regulations affecting banks, non-depository banks and other financial institutions. Jennifer provides skilled regulatory guidance and detailed knowledge of the laws impacting the alternative financial services market, such as online consumer lending. Her compliance work includes assisting clients with developing, implementing and maintaining compliance management systems, performing internal compliance audits for clients, preparing clients for outside audits as well as preparing related lending documents and disclosures. She also counsels financial services companies regarding CFPB preparedness, implementation and operational strategies for complying with applicable state and federal regulations.
James Garlock has been the Vice President of Global Sales at Chetu for over 8 years overseeing the Financial Services Team. As the Vice President at Chetu, James overseas the development of financial software services that cater to the finance industry, providing customized software development solutions. James is familiar with technology trends within the financial market and has helped companies develop a custom technology roadmap for implementation that is in alignment with their organizations goals and budget.
Prior to joining the Bob Riley staff, Dan also served for two years during the historic 104th Congress as the Legislative Director to former Congressman Bill Martini (R-NJ). Dan was responsible for the former federal prosecutor’s work on the House Government Reform and Oversight Committee. Gans and Martini uncovered a HUD scandal that ended up being featured on NBC’s Fleecing of America. Gans also worked with Martini to re-write the federal law criminalizing false public statements to the Congress, which had been overturned by a Supreme Court decision. Bill Martini is currently a Federal District Court Judge in the Northern District of New Jersey. Dan began his Capitol Hill career in the fall of 1991 as intern for Congressman Alex McMillan (R-NC). In January of 1992 Dan was hired by Congressman Gary Franks (R-CT) as a Legislative Correspondent. Gans was quickly promoted to Legislative Assistant and left the office in January of 1994 as the Congressman’s Senior Legislative Assistant responsible for Franks’ work on the House Energy and Commerce Committee. Dan is a member of the University of Colorado Alumni Association (Former Vice President of the local Washington DC chapter) and the Sigma Alpha Epsilon Alumni Foundation. Dan and his firm are involved with a number of local charities including Horton’s Kids, Project Northstar and REACH Program. Mr. Gans currently serves as a Member of the Board of Directors for the Capital Area REACH Program, which is a local community-service based non-profit organization that provides job training, scholarships, and professional internships to disadvantaged youths. Currently, the Capital Area Reach Program has over 175 students in the Program, places more than 100 students in internships, and provides over $30,000 of scholarships to students in need. Dan and his wife Laura live in Alexandria, Virginia with their daughters Ellie and Maggie.
Don Gayhardt has over 25 years of executive management experience in the short-term credit industry with a history of completing large acquisitions and complex financial transactions. During Don’s 18 year tenure with DFC Global, he expanded operations to the UK and Canada adding 715 stores in these geographies. In 2011, Don served as a consultant for CURO In early 2012, Don accepted the position as CEO and was appointed to the Board of Directors in late 2012. In accepting his position, Don was attracted to the “Great people, great culture, great technology, and great branch network” that is the CURO culture. Today, Don leads the high-achieving CURO team of over 5,000 employees that leads the market in providing a range of financial services to underbanked consumers in the U.S. and Canada under a number of brands including Speedy Cash, Rapid Cash, Cash Money, LendDirect, Avío Credit, Opt+, and Revolve Finance. Don is passionate about the progressive team that he is a part of, and is dedicated to providing consumers with a great experience by using increasingly advanced technologies. Don Gayhardt holds a B.B.A. in Accounting from the University of Notre Dame.
Mr. Gilker has been a senior manager of The Integrity Funding Companies, a family office-owned mid-sized specialty finance company focused on lending to consumer finance companies for 5 years. He is also a Senior Vice President at Dallas-based Revere Capital with responsibility for the origination and management of the specialty finance portfolio. He has worked exclusively in lender finance for the past 29 years. Primary responsibilities included building the investment portfolio, instituting the credit management processes, upgrading the compliance function and funding the portfolio. Previously, he served 10 years as an investment officer with Fortress Investment Group in their Credit Opportunity Funds investing in consumer and commercial finance companies. Prior to that, he worked for 15 years in the Asset Securitization group of JP Morgan Chase managing the esoteric assets practice.
Ben Gold is President of QuickBridge, a privately-held financial services firm providing smarter short-term working capital solutions for small and medium-sized businesses nationwide. Ben’s background in business and finance contributed to the design of QuickBridge’s award-winning, technology-driven, high-touch customer service business model. Prior to being named QuickBridge President in 2012, Ben served as Vice-President of Operations for Alliance Funding Group. When he isn’t at the office, or spending time with his wife and two young children, Ben serves as President of the California State University, Fullerton Mihaylo College of Business and Economics Executive Council. In addition, he is actively involved in the Southern California Chapter of the Young Presidents Organization. Ben holds a B.A. in Marketing and M.B.A. from California State University, Fullerton.
Adam Goller is General Manager of Strategic Partnerships at Cross River, where he is responsible for the Bank’s Marketplace Lending program. In addition, he is responsible for the management of the Bank’s credit administration, as well as the loan servicing department. Adam is a member of the Bank’s executive team and oversees all aspects of underwriting, loan review analysis, risk management and compliance, to ensure the quality of the Bank’s lending portfolio and products. Adam joined Cross River at its inception in 2008, having held positions at Fitch Ratings as an Associate Director, and as Director of Underwriting at First Meridian Mortgage. Adam holds an MBA from Touro College, and a Bachelor of Science from Yeshiva University, both in New York City.
Sam Graziano is a highly experienced financial services professional and entrepreneur. He is the Co-Founder and Chief Executive Officer of Fundation, the nation’s leading credit solutions provider focused on the small business market nationally. Fundation is a leader in providing technology and application processing services to support more than 25 super-regional, regional and community banks. Fundation’s solutions enable its clients to develop a digital lending capability, provide a great customer experience, drive cost efficiency into their small business lending program, and maximize the number of customers they can serve. Fundation’s solutions range from simple referral partnerships to customized, integrated private labeled lending programs. The Company also partners with a wide array of organizations that serve the small business market in various capacities to deliver credit products to the business community nationwide. Prior to founding Fundation, Mr. Graziano spent more than a decade in investment banking and private equity where he developed an expertise in strategic, financial and operational issues for banks, specialty finance companies, asset managers, broker/dealers and other institutions throughout the financial services sector. He served as a Principal with Centerview Partners, where he provided strategic and financial advisory services to some of the nation’s largest and most recognizable financial services companies. Prior to Centerview, Mr. Graziano was a Vice President with Keefe, Bruyette & Woods (KBW), the nation’s largest boutique investment bank focused on the financial services sector.
Mr. Graziano graduated with honors from Bucknell University with a degree in Computer Science and Engineering.
Steve Hotz is the CEO of The Lead Group, a leading performance-based online marketing and lead generation firm focused on the financial services market. Prior to The Lead Group, Steve oversaw the Full Service Lead Program practice at MediaWhiz Holdings. He previously served as VP, Marketing at CompuCredit Corporation, a market leader of financial based products dedicated to the underserved market within the US & UK and at TRADEX Technologies assisting in the acquisition of the company to Ariba, now SAP Ariba, in 2000 for $5.6B. Steve has an MBA from Kennesaw State University and BBA in Marketing from University of Georgia.
Gayla brings two decades of expertise to advise clients across multiple industries in challenges related to compliance, regulations, brand management, lead generation and data analytics. Her affiliate management background gives her compliance clients insights into lead generation activities and a unique approach to solving market issues. For over a decade she has been leading innovation and developing new technology to support highly regulated industries. Dedicated to the growth of her client’s industries, she provides compliance expertise, self-regulation programs, and training for their employees and partners.
Mary Jackson is leading the growth of the Online Lenders Alliance (OLA) – the first and largest trade association representing the growing industry of fintech companies that harness technology to deliver safe, convenient, private and reliable credit options for consumers. Ms. Jackson has over 25 years of experience in public policy and financial services, having served as SVP of Public Affairs for Cash America International and in various leadership positions as a board member of the Community Financial Services Association and the National Pawnbrokers Association. Prior to assuming the role of CEO of the Online Lenders Alliance, Mary served on the association’s board for 10 years. Mary is also an accomplished executive and entrepreneur who founded the public affairs and business advisory firm, Jackson Vaughn Public Strategies. As OLA’s leader, Ms. Jackson oversees a membership comprised of job creators, entrepreneurs, publicly-traded companies, fraud prevention experts, privacy protectors, lenders, alternative credit bureaus, and software developers. She is also responsible for educating the public, media and policymakers about the benefits of access to regulated, safe, and fair credit to consumers and businesses through the innovations of online lending.
Brian Kaas is President and Managing Director of CMFG Ventures, LLC and oversees all aspects of CUNA Mutual’s venture capital program. Additionally, Kaas serves as the Vice President of Corporate Development at CUNA Mutual Group. He is responsible for evaluating and executing a broad range of acquisitions and other strategic transactions for the organization. He serves as a board member for several financial technology start-up companies and is a frequent speaker on emerging fintech trends. Kaas joined CUNA Mutual Group in 2012. Prior to joining CUNA Mutual Group, Kaas was a partner at the national law firm of Foley & Lardner. Kaas has a broad range of legal and corporate experience, particularly in the areas of complex commercial transactions including mergers, acquisitions, reinsurance and corporate restructurings. Kaas graduated from the University of Wisconsin Law School with a Juris Doctorate. He also received a Bachelor of Science degree from the University of Wisconsin-Whitewater in Public Policy and Administration with an emphasis in Legal Affairs.
John Kaltenbach joined MicroBilt as Vice President of Sales in 2012. His focus is on working with fintech companies and digital lenders to effectively leverage alternative credit, identity, and banking data solutions. John’s extensive track record in the information solutions industry includes regional and vertical sales leadership positions at CoreLogic and Equifax. He holds an MBA from Emory University and a BS in Finance from the University of Missouri.
Cory Kampfer is the Chief Legal Officer and Head of Operations for OnDeck, the world’s largest non-bank online lender to small business. Kampfer joined OnDeck in 2011 as General Counsel and chief Legal Officer in the company’s New York office. He helped lead OnDeck’s successful IPO in 2014, and in 2017 was named the company’s Head of Operations. Prior to OnDeck, Kampfer served as an associate at Paul, Weiss, Rifkind, Wharton & Garrison LLP from 2007 to 2011. He holds a B.B.A. in International Business from the University of Georgia, where he graduated First in Class, an M.B.A from Duke’s Fuqua School of Business and a J.D. from the Duke University School of Law. Kampfer’s commitment to small businesses stems from running his own landscaping business before, during and after college.
Jared Kaplan is Chief Executive Officer of OppLoans, one of the highest-rated and best in class online finance platforms and service providers in the industry. OppLoans offers middle class consumers a simple, reliable source of funding when faced with financial emergencies. Founded in 2012, OppLoans brings financial inclusion products and services to non-prime borrowers through short-term, fully amortizing bridge financing at significantly lower rates than its competitors. Since joining as CEO in 2015, Jared’s leadership has rapidly expanded the company’s operations and customer reach which has translated into a five year growth rate of 9,041.9% and $134.2 million in revenue. In 2019, OppLoans was named the fourth fastest-growing Chicagoland company by Crain’s Chicago Business. OppLoans holds an “A+” rating from the Better Business Bureau, an average customer rating of 4.9/5 stars on Google and a 96% approval rate on LendingTree. The company focuses on helping customers move out of the non-prime space by reporting on-time payments to all three credit bureaus and providing free, standards-based financial education tools. OppLoans has placed on the Inc. 500 list of fastest-growing companies for the past three years consecutively. The company has also been named a 2018 “Best Workplace” by Inc. Magazine, America’s sixth place to work by Glassdoor, a number-one personal lender by LendingTree and a “Leader in Quality and Innovation” by the Center for Financial Services Innovation (FinX). In 2018, Jared was ranked the 8th highest-rated CEO on the Top CEO list by Glassdoor and named a finalist for EY Entrepreneur of the Year. He is a frequent speaker at industry leading events including LendIt, Lend360, and the Chicago Tribune Spotlight Series, which features business thought leaders in the Midwest. Prior to joining OppLoans, Jared was the co-founder and former executive vice president of Insureon, the leading online agency for small business insurance. At Insureon, Jared led the company to achieve more than 1,700% in revenue growth while building its customer base to more than 175,000 small businesses. After beginning his career at Goldman Sachs, Jared also led financial services investing for Accretive LLC, a unique early-stage private equity firm that designs, funds and builds new businesses. He holds a Bachelor of Business Administration from the University of Michigan.
Jane Keller joined the MicroBilt team as the Director of Product in 2012 and is a graduate of Drake University. Before joining MicroBilt, she was the Executive Director of the National Check Network, a division of Electronic Clearing House, Inc. a public tier one bankcard and check processing company. Jane has extensive experience in the payment transaction field and was an owner and President of a national collection agency, honored with the Presidential Business Award for the State of Iowa. At MicroBilt, Jane focuses on architecting and implementing products that exceed expectations for Risk thresholds and KYC essentials
Fahreen is the General Counsel & Privacy Officer at 4finance for their US Operations focused on regulatory, commercial, and privacy law. She spearheads the data security team, responsible for drafting data security and privacy policies coupled with designing systems for compliance enforcement, and is currently managing the fraud team. Fahreen holds a J.D. from Queen’s University Faculty of Law in Kingston, Canada, and an LL.M. from Berkeley Law. She is a licensed attorney in the Province of Ontario and in the State of New York.
Matt brings with him over a decade of experience bringing to market innovative new products for technology companies. He has a passion for building world-class products and loves technology – especially when it’s well architected, scalable, and delights customers. At Urjanet, he leads the company’s overall product strategy and development, mobilizing cross functional teams to rapidly develop and launch new offerings. Prior to joining Urjanet, he has held strategic product roles at Kabbage, CNN Digital, Apple and IBM. Matt holds a Computer Engineering degree from Georgia Tech.
Mark has over 7 years’ experience working in sub-prime lending, joining FactorTrust in 2012 to lead client services and operations in the UK as part of the LendProtect team. After moving to Atlanta in 2016 to manage relationships with short-term lenders in the US market, Mark became part of the TransUnion team after the acquisition of FactorTrust. Prior to joining FactorTrust, Mark spent 10 years in operations and relationship management roles, working with UK debt collection agencies, supporting clients across the prime and sub-prime financial services industry. As Director of Market Development, Mark engages with customers, partners, and the TransUnion Consumer Lending team to serve as solution implementation subject matter expert for short-term lending partners.
John Lesnik, co-founder of Lending Science DM, has over 18 years of experience in guiding firms in the use of data to drive marketing and operational objectives in a financial services environment. John and his team of marketing scientists specialize in developing analytically driven, omni-channel marketing solutions for consumer, mortgage and commercial lending, as well as, other financial services genres. Prior to his tenure at Lending Science DM, John held executive level sales and operations positions at SKM Media Group, V12 Group, Direct Marketing Associates (DMA), and Genesis Marketing.
Dave developed NLEX from its start as a post-RTC sales outlet to one of the nation’s leading Loan Sale Advisor of charged-off credit card and consumer debt accounts. Considered a leading pioneer in the debt sales industry, Dave has been a featured speaker at dozens of industry conferences, hosting the first of several annual US and Canadian major creditor roundtable events beginning in 1995. Since introducing NLEX to financial institutions in the early 1990’s, Dave has supervised the sale of over 5,000 portfolios with face value of $150 billion. He holds a Bachelor of Science Degree in Economics from the University of Illinois and has over 35 years of experience in the financial services industry.
Ido Lustig is the Chief Risk Officer of BlueVine, a Silicon Valley-based fintech startup that provides working capital financing to small and medium-sized businesses. A veteran data scientist and risk manager, Ido helped develop BlueVine’s fully-online cloud-based platform for invoice factoring, revolutionizing the 4,000-year-old financing system that allows businesses to receive cash advances on outstanding invoices. Ido spearheaded the creation of BlueVine’s top-notch Risk organization which is spread between California and Israel, and has played a critical role in expanding the company’s ability to offer fast and flexible online financing to entrepreneurs. Before joining BlueVine, Ido led PayPal’s behavioral analytics department, heading the creation of the company’s risk models’ features. Ido received his bachelor of law degree from Tel Aviv University.
Corey is a business attorney who’s worked with leading technology and financial companies for more than 15 years. Prior to BFS Capital, he represented corporate clients at Duane Morris in Atlanta and Kirkland & Ellis in Washington, DC as Partner at both firms. Corey holds a BS in Mechanical Engineering from Purdue University and a JD from the University of Notre Dame Law School.
While studying at Stanford University, Alain began working for the Stanford Bitcoin Group where he cultivated an interest and recognized a need for smarter anti-fraud and compliance solutions for fast growing businesses. Alain developed his ideas and Co-Founded BlockScore, a successfully funded, Y Combinator startup, now known as Cognito, and immediately began supporting companies like Coinbase helping them scale onboarding while satisfying regulatory compliance requirements. Alain is also Co-Founder of Bloom Protocol, a global decentralized identity management and credit scoring system leveraging blockchain.
Ryan is the Head of U.S. Regulatory Affairs for Funding Circle, the global small business loans platform, connecting small businesses who want to borrow with investors who want to lend in the US, UK, Germany and the Netherlands. Since launching in 2010, Funding Circle has helped over 80,000 investors lend more than $10 billion to over 50,000 businesses globally. Before joining Funding Circle, Ryan was Director of Government Affairs and Public Policy and Chief of Staff at Affirm, the leading point of sale consumer financial technology company led by serial entrepreneur, Max Levchin. He began his career at the White House under President Obama as a Senior Analyst and then Special Assistant to the U.S. Trade Representative, Ron Kirk crafting and promoting the Trans Pacific Partnership (TPP).
Keith Meyers is a Managing Director based in Atlanta and leads KBW’s FinTech & Financial Services Investment Banking Group, which serves clients in the specialty finance, mortgage finance, securities, alternative asset management, and financial technology sectors. Mr. Meyers brings more than 20 years of relevant experience serving both strategic and private equity investors in the FinTech & financial services sectors. He comes to KBW from Raymond James where he was a Managing Director in the Financial Services Investment Banking Group. Previously, he served as Head of the Financial Services & Transaction Processing Investment Banking Group at Morgan Keegan & Company. Earlier in his career, he worked in the business advisory and assurance practice at Deloitte & Touche. Mr. Meyers has an MBA from the Fuqua School of Business at Duke University and a BSBA from Washington University in Saint Louis.
John is President & CEO of ConnectMedia Ventures; a Chicago based fintech company he co-founded in 2008. ConnectMedia’s flagship software, LeadSherpa, is a lead acquisition software platform that combines lead management tools with automated optimization technology to improve lead performance. John started his career in commercial banking and then transitioned to the media industry where he spent 20 years in a variety of executive management positions with P&L responsibility for sales, marketing, strategic planning, international operations and finance/pricing. During this time, he maintained operational responsibility for businesses that ranged in size from $200M- $500M/ year in revenue. He has an undergraduate degree in Business Marketing from Indiana University and an MBA in Finance and International Business from the University of Chicago Booth School of Business.
Tom Miller, Jr. is Professor of Finance and inaugural holder of the Jack R. Lee Chair of Financial and Consumer Finance at Mississippi State University. Professor Miller received his Ph.D. in finance from the University of Washington (Seattle) and his Bachelor’s and Master’s degrees in applied economics from Montana State University. Professor Miller has also held appointments at the University of Missouri—Columbia, Washington University in St. Louis, and Saint Louis University. Professor Miller is a Senior Affiliated Scholar at the Mercatus Center at George Mason University. His current research focusses on small dollar loans. Professor Miller is a frequent speaker on consumer credit issues. Professor Miller is the author of How do Small-Dollar Nonbank Loans Work? and co-author (with Bradford D. Jordan and Steve Dolvin) of Fundamentals of Investments: Valuation and Management, 9th ed. (McGraw-Hill/Irwin). Professor Miller’s interests include golf, American saddlebred horses, and playing tenor saxophone.
Partner in the Financial Services Group of Pepper Hamilton LLP in the New York and Philadelphia offices, focusing on financial regulatory and compliance issues affecting and M&A issues involving lenders, payment processors, originators, funds, pools and advisers, family offices, brokers, syndicators, MCAT providers, ISDA traders and counterparties and ICO and cryptocurrency issuers and investors.
Tim Olzer is a proven fintech executive with a passion for driving portfolio profitability with innovative concepts that keep pace with ever changing lending markets, data, analytics & technology. His 25+ years’ experience is equally deep in risk and marketing and this experience enables him to create profit driven solutions for each client. Several of the top lenders at LEND360 started their road to success working with LSDM, the company Tim founded in 2006. Previously, Tim worked for established data & marketing companies as well as entrepreneurial consulting and analytic firms. He holds a B.A. in Applied Mathematics from the University of California and a M.S. in Decision and Information Systems from Arizona State University.
Naagesh is a Director of Market Planning for LexisNexis Risk Solutions and has over 20 years of experience in credit risk management and advisory consulting. Most recently, he was a co-founder at a startup that provided advisory and technology consulting to community banks and credit unions. Prior to that, he worked at Cognizant Technologies in their analytics consulting business unit. He is passionate about data and analytics and has extensive experience in drawing insights that help make better business decisions. Naagesh has an MBA from Virginia Tech and is currently based in San Diego.
Liz Pagel is a Senior Vice President and the leader of the Consumer Lending line of business at TransUnion. Liz is responsible for the strategy and market development activities that support lenders offering unsecured personal loans. Prior to joining TransUnion, Liz was a Principal on the financial services team at the Boston Consulting Group. She began her career as a credit underwriter for JPMorgan’s commercial lending business. Liz holds a bachelor’s degree in Economics and English from Boston College, and an MBA from Harvard Business School.
Leslie Parrish is a senior analyst with Aite Group’s Retail Banking practice, focusing on consumer lending. Ms. Parrish was one of the initial employees of the Consumer Financial Protection Bureau, a federal financial regulator. Her role entailed engaging with lenders and helping to develop the bureau’s strategy and policies related to small-dollar loans offered by banks, nonbanks, and fintech firms. Later, she authored research publications to inform rule-making efforts on small-dollar loans, overdraft programs, and debt collection. Before her work at the bureau, Ms. Parrish spent over 10 years working on public policy issues related to financial services, financial inclusion, and consumer protection. Through this work, she developed expertise in a number of financial products and services, including student loans, mortgages, and unsecured loans marketed to nonprime consumers, as well as in debt relief strategies. Ms. Parrish holds a bachelor’s degree from Virginia Tech and a master’s degree from the University of North Carolina at Chapel Hill.
Satyajeet Prasad is a CEO at Virinchi Ltd, a company that has been delivering market leading software QFund for more than 15 years to the subprime industry in the US. Satyajeet is a serial Entrepreneur and has worked across the world delivering market leading IT solutions for last 20 years. He has been driving QFund for past many years. QFund is a suite of IT solutions, helping lenders manage the entire loan process from leads management to collection management.
Aaron’s experience stretches across the fraud, risk, and fintech industries. He is a frequent speaker at industry events and has published articles and white papers covering a range of issues. Prior to joining Emailage, Mr. Press held key strategic roles at companies including LexisNexis Risk Solutions, Gemalto, and JPMorgan Chase. He holds a Master’s degree from George Mason University, and a BA from The University of Texas at Austin.
Dan Quan is Managing Partner of Banks Street Advisory. He is also a Senior Advisor for McKinsey’s Banking Practice and an adjunct scholar at the Cato Institute. A nationally recognized FinTech thought leader, Dan serves as a bridge between Silicon Valley and the Beltway. Dan’s passion and appreciation for disruptive technologies, coupled with his deep understanding of regulatory policies, has made him a trusted advisor to many CEOs of successful FinTech firms. Dan frequently speaks and writes about issues related to FinTech, financial regulations, and financial inclusion. More recently, Dan was Senior Advisor to the Director at the Consumer Financial Protection Bureau (CFPB) and led its FinTech office, Project Catalyst. The first of its kind in the world, Project Catalyst has inspired regulatory agencies across the globe to set up dedicated innovation hubs to promote financial innovation. At the CFPB, Dan focused his work on identifying and promoting innovative technologies and business models that can help solve the most complex issues in consumer finance. He aggressively and successfully pushed policies that enabled a thriving FinTech environment, including consumer-permissioned data access/open banking and the use of AI and alternative data in credit underwriting. Sensing the urgent need to further foster FinTech growth in the U.S., Dan conceived and developed the first regulatory sandbox at the federal level. Over the years, Dan has built strong relationships with regulators in the U.S. and around the world. Under his leadership, the CFPB joined the Global Financial Innovation Network (GFIN), an organization that aims to foster regulatory cooperation and innovation. Before joining the CFPB, Dan was a research associate at Harvard Business School (HBS). He worked for Professor Peter Tufano, currently Dean-University of Oxford Saïd Business School. Dan was a key contributor to two influential HBS research projects on the U.S. competitiveness led by Professor Michael Porter: Prosperity At Risk (2012) and Competitiveness At A Crossroads (2013). Prior to that, Dan was a consultant at Willis Towers Watson. Dan is a Chartered Financial Analyst (CFA) charterholder.
Tim Ranney is President and Chief Executive Officer of Fintech Credit Innovations, Inc. He is a nationally known fintech innovator and credit expert. As president of Fintech Credit Innovations, Inc. he seeks to introduce new and innovative technology solutions that improve financial market transparency and efficiency. Formerly, he was the President and Chief Executive Officer for Clarity Services, Inc., a real-time credit bureau providing credit-related data on non-prime consumers. Prior to founding Clarity in 2008, Ranney spent 20 years as a leader in Internet security and risk management, serving as Chief Operating Officer of an industry leader and senior executive for both Network Solutions and VeriSign.
In his role as Vice President of Innovation and Policy at The Financial Health Network, Garry sets the strategic direction and oversees the execution of the organization’s innovation portfolio and policy activities. Garry also leads the Financial Solutions Lab (FinLab), a $30 million, five-year initiative managed by the Financial Health Network with founding Lab partner JPMorgan Chase & Co, a community of startups, financial services companies, and nonprofit organizations that create solutions and products to improve financial health in America. Prior to joining Financial Health Network, Garry spent a number of years advising financial service providers and investors on issues related to consumer protection and government regulation, including existing and proposed regulations, supervisory matters, and enforcement actions. He was a co-founder of Fenway Summer — a consumer finance advisory and investment firm; and headed the Consumer Financial Services Advisory Practice at BlackRock. His broad experience in regulatory matters stems from his work at the CFPB, FDIC, US Treasury, and in the asset management industry. Garry was a member of the original team at the U.S. Treasury Department charged with staffing the Consumer Financial Protection Bureau (CFPB) and setting its strategic, operational, and policy priorities. In addition to serving as Chief of Staff, he envisioned and helped develop the CFPB’s Project Catalyst, a program focused on fostering consumer-friendly innovation. Garry also served as the FDIC Deputy representing the CFPB and was a member of the Deputies Committee and Systemic Risk Committee of the Financial Stability Oversight Council (FSOC). Before joining the CFPB, he was a member of the Treasury Department’s Auto Team, which managed the Troubled Asset Relief Program’s (TARP) auto investments, including the $23 billion IPO of General Motors. Prior to his service at the CFPB and the U.S. Treasury Department, Garry spent a decade in the asset management business at Ziff Brothers Investments covering financial institutions and at Sanford C. Bernstein & Co. covering the media industry. He has served as a Fellow at the Aspen Institute’s Financial Security Program and on the Board of Directors of Commonwealth. Garry holds a B.A. in History from Yale College and an M.B.A from Columbia Business School. He lives in Washington DC with his wife and two daughters.
Stu Richards is CEO of Bredin, a B2B marketing consultancy that helps marketers develop profitable, long-term relationships with small and medium businesses (SMBs). He is responsible for setting organization strategy, business development, client engagement supervision, and partnership and alliance development. A 20-year veteran of SMB marketing, Stu joined Bredin in 1997 as vice president of marketing. He was named president in 1999 and CEO in 2001. Prior to joining Bredin, Stu served as director of marketing at DeLorme Mapping, product manager at Nabisco Brands, and marketing representative at IBM. Stu holds an MBA from the Tuck School at Dartmouth College and a BA from Middlebury College.
Sheri joined MicroBilt as Vice President of Sales in 2014. Her focus is on strategic leadership with emphasis on business development, people, and production improvement initiatives to increase performance and client satisfaction. Sheri’s prior experience includes Vice President of Sales for United Recovery Services and Vice President of Operations for Nationwide Credit. She holds a Master’s degree from Grand Canyon University and a BS in Management from the Arizona State University.
Jason currently serves as General Counsel and Director of Government Relations for LeadsMarket.com LLC, the top provider of leads to non-bank consumer finance lenders across the US and UK. Under his direction, LeadsMarket.com established an exemplary compliance program that includes two certified GRCP professionals and other highly trained compliance specialists who help set industry standards for compliant lead generation. Jason regularly presents at industry events and trade association meetings, and spends considerable time educating federal and state legislators and regulators on lead generation issues. He is licensed to practice law in California and Idaho and is a member of the United States Supreme Court bar.
A veteran entrepreneur and international executive, Mark has more than two decades of diverse experience, ranging from multi-country online financial services to mission critical enterprise software and consumer-focused mobile applications. He joined BFS Capital after completing a mandate as interim CEO of 4finance, Europe’s largest digital consumer lender. Mark holds a BSc in Computer Science from the University of Toronto.
Kathryn “Katy” Ryan advises financial services companies on a variety of regulatory, licensing, compliance, and transactional matters, including federal and state compliance requirements, Secure and Fair Enforcement (S.A.F.E.) Act compliance, Federal Housing Administration (FHA) compliance, and the risks associated with the False Claims Act (FCA) and Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA). A Partner in Buckley LLP’s Washington, D.C., office, Ms. Ryan represents banks, first and second mortgage originators and servicers, reverse mortgage originators and servicers, fulfillment service providers, commercial lenders and servicers, bank holding companies, private equity firms, finance companies, debt collection companies, financial institutions and technology companies, payment processors, money transmitters, and various related service providers. She assists clients with matters before state regulatory agencies, the Consumer Financial Protection Bureau (CFPB), the Department of Justice (DOJ), the Department of Housing and Urban Development (HUD), federal banking agencies, Fannie Mae, and Freddie Mac. She also provides strategic and tactical advice to help clients identify and secure the nationwide federal and state approvals necessary to achieve operational goals.
As the Founder and Managing Partner of AQN Strategies, Ben has 20+ years of financial services experience with executive roles and P&L experience across Credit Card, Auto, Installment Lending and Small Business. Ben has led a multitude of lending and analytics engagements across the financial services industry. He has an MBA from Stanford Graduate School of Business
Emilio Santiago is the Vice President of Security Engineering & Architecture at Experian. He is a seasoned cybersecurity expert with over 15 years of experience in various SecOps roles, including Security Operations Practice Lead @ ArcSight/HP, where he helped several Fortune 100 companies develop strategic threat detection and incident response capabilities. Emilio is most passionate about developing people and helping teams develop a strong rhythm of business to enable successful execution of their mission.
Mr. Schaefer is the founder and chief executive officer of Orion First and of its subsidiary, Mintaka Financial, LLC. His focus is on growing Orion to become the leading loan and lease servicing company in the United States. He is a strong advocate for capital formation focused on the small and medium business. With a career spanning forty years in the commercial finance industry, Dave’s leadership experience has been influenced by a broad range of roles including business development, treasury, operations, technology, accounting and portfolio management. He has been involved in both prime and sub-prime markets. Prior to establishing Orion, he was President, and a member of the Board of Directors of Financial Pacific Leasing Company. Dave also founded Checkmate Certified Collections in 1975, a consumer and commercial collection agency. An active leader and advocate for the industry, Dave is the immediate past chairman of the board of directors for the Equipment Leasing and Finance Association (ELFA). Dave has served on the board of the ELFA since 2009 and became an officer in 2014. He has served as the chairman of LeasePAC, the industry’s federal political action committee and the Small Ticket Business Council. Dave is also on the board of the Innovative Lenders Platform Association (ILPA). The ILPA was formed to advocate for lenders that serve the small business community. He formerly served on the board of directors of the United Association of Equipment Lessors (now the National Equipment Finance Association). He obtained his Certified Leasing and Finance Professional certification in 1996, making him one of the industry’s earliest CLFP’s.
David is the founder of Forensiq, an award winning advertising fraud detection company, acquired by Impact in 2016. Prior to Forensiq, David was the CIO and head of product for Spire Vision, a marketing firm that he grew from startup through acquisition to Zeta Global. David has been in the technology space for 20 years with roles in leadership, product development, security and systems engineering. He received his BS in Computer and Information Sciences from The University of Maryland at College Park.
With 30 years of hands-on DM experience working on large-scale strategic projects for clients in financial services, healthcare and insurance, DMS CEO Mike Sherman is a specialist in direct marketing strategy and analytics for both retention and acquisition-based campaigns offline and online. With brother Steve, Mike heads the Portland, OR direct marketing company that prides itself on being where tradition and innovation intersect. Mike is also an instrument-rated pilot and volunteers his time to Angel Flight West on a regular basis.
Atif Siddiqi is the founder and chief executive officer of Branch, the mobile-first technology that helps hourly employees grow financially by allowing them to budget, get instant access to earned wages, and earn more income by picking up available shifts. Through support of and insight into the hourly worker, Branch helps companies attract and retain their hourly employees, which can in turn create better customer experiences and reduce turnover. Hundreds of thousands of hourly employees at enterprises of all sizes use Branch every day. Branch was selected as one of ten companies to participate in the inaugural class of the Techstars Target Retail Accelerator program. Atif holds a B.A. in Economics and an M.B.A. from the University of Southern California. He volunteers as a business coach, providing entrepreneurship education to low-income communities.
Blake is a partner in the firm’s Tennessee office. He focuses his practice on federal and state regulatory compliance for consumer financial services companies and their third-party vendors. Blake is a frequent presenter to industry groups including CFSA, FiSCA, Online Lenders Alliance, and the Payday Bar Association. Before joining Hudson Cook, Blake was a shareholder at Chambliss, Bahner & Stophel, P.C. where he served for more than four years as in-house counsel for a large, multi-state consumer financial services company. Blake served as a law clerk for The Honorable Houston M. Goddard with the Tennessee Court of Appeals. Blake is a member of the American and Tennessee Bar Associations and the State Bar of Georgia. Blake received a J.D. and M.B.A. from the University of Tennessee in 1998. He also holds a Bachelor of Arts in Philosophy and Political Science from North Carolina State University.
Frank Sorrentino III
Frank Sorrentino III is Chairman and CEO of ConnectOne Bank (CNOB), formerly North Jersey community Bank (NJCB), with eight branches throughout the state. The bank was founded by Mr. Sorrentino and other Bergen County civic and business leaders to serve local residents and businesses by providing the highest level of personalized community banking services.As Chairman and CEO of ConnectOne, Mr. Sorrentino is responsible for its business development plan, serves as the community liaison, sits on the loan committee and serves as the bank’s spokesperson. Mr. Sorrentino has been instrumental in developing the bank’s branch and expansion strategy and oversees all marketing activities.In 2013, he led the rebrand of the company to ConnectOne Bank. CNOB’s board of directors, shareholders, employees and loyal customer base have all contributed to its unprecedented growth. Since opening its first branch in January 2005, NJCB has grown to more than $1 billion in assets. In 2011 and 2012, NJCB was named a top 5 best performing community bank in the country by SNL Financial, a leading provider of news and data on the banking and financial services industry. Additionally, NJCB has been named to the Top 10 on NJBIZ’s “50 Fastest Growing Companies” list, was a finalist for the publication’s “Emerging Business of the Year” award, and a recipient of the Forbes’ “Enterprise Awards” – one of the most esteemed and sought-after small business awards in the U.S. Mr. Sorrentino is a frequent commentator on CNBC, Bloomberg TV & Radio, and Fox Business News Discussing community banking issues, and his views have been published in prominent business publications including The Wall Street Journal and American Banker, along with being a contributor for Forbes.com. Previously, Mr. Sorrentino was president of FSS Construction, Inc., a family-owned third generation construction business that specializes in custom-built luxury residential homes. FSS was founded in 1979 and is based in Englewood Cliffs, NJ. Mr. Sorrentino Received his B.S. in Construction Engineering Technology from Farleigh Dickinson University in 1987.He was named “Builder of the Year” in 1995 by the Builders Association of Northern New Jersey and was also awarded the Founders Medal from Bergen Catholic High School in 2005.
Mr. Spencer leads sales for the US Commercial Services business unit. His primary focus is on building the non-Financial portion of the business, including responsibility for revenue for all risk and marketing-related solutions. During his three five years in this role, Mr. Spencer has also overseen the integration of Forseva, a leading cloud-based credit application based on the Salesforce.com platform, and the development of the Commercial Financial Network (CFN). Prior to this position, Scott led media sales in the telecom vertical for Google. Before then, Scott spent nine years at IBM in a variety of managerial and individual contributor roles. Prior to those experiences, he held roles at the Private Equity firm General Atlantic ($20 Billion+ AUM), as well as McKinsey & Company. Mr. Spencer holds an MBA from the Wharton School of Business at the University of Pennsylvania and a B.S. in Systems Engineering from the University of Virginia.
Global experienced executive that has held senior leadership roles for companies such as Ezcorp Inc., Provident Financial Group, Dollar Financial Group, Lloyds TSB, GE Private Label Credit Cards and Experian Scorex. He has a proven executive management track record and over 20+ years’ experience delivering consumer lending products offline & online, utilizing complex analytical instruments and experience in small business portfolio management. Well versed in the prime, subprime and deep subprime lending for the challenge to deliver best in class risk, analytics and profitability across multi-channel products and services.
Christin Spradley serves as OnDeck’s Head of Policy and Senior Associate General Counsel, where she oversees its governmental affairs practice. Christin has played a critical role in advancing best practices and standards in the Financial Technology industry, serving as a founding member of the Innovative Lending Platform Association and helping to develop the SMART Box™ model pricing disclosure for small business capital providers. Throughout her efforts, Christin shows a commitment to supporting the health and success of small businesses and to promoting greater access to capital for entrepreneurs through innovation and technology. Christin has a background in international development and micro-business operations, serving as a Peace Corps volunteer in the Republic of Mali from 2006 – 2008 and working on women’s economic development issues with USAID and the West African Trade Hub. Before joining OnDeck, Christin was a corporate attorney in the M&A practice at Paul, Weiss, Rifkind, Wharton & Garrison in New York. Christin has a B.A. in Political Science from Duke University and a J.D. from the University of Michigan Law School.
Eric M. Sprink serves as President and Chief Executive Officer of Coastal Community Bank and Coastal Financial Corporation. Mr. Sprink joined the company in late 2006 as President and Chief Operating Officer and became Chief Executive Officer in 2010. Mr. Sprink received a bachelor’s degree from Arizona State University and an M.B.A. from the University of North Carolina. Mr. Sprink has been a member of the board of directors since 2006. Coastal went public in July of 2018 using the ticker CCB.
Dave Staley is VP of Capital Markets at Prosper Marketplace where he is responsible for growing Prosper’s funding base and ensuring a positive experience for all Prosper’s institutional investors. Dave brings 25 years of experience in financial services expanding and strengthening Fixed Income sales platforms for top tier financial institutions. Prior to Prosper Marketplace, Dave spent six years at Barclays where he was Managing Director and Head of West Coast Securitized Product Sales and Trade Capture Unit teams. Prior to Barclays, he spent 18 years at Lehman Brothers in various roles, including Senior Vice President of Sales in charge of all major institutional accounts in the western region. Dave graduated from University of California, Berkeley and lives in Piedmont, California with his family where he is an active member of a number of charities that focus on supporting under-represented public schools.
Justin C. Steffen is a partner in Ice Miller’s Litigation and Financial Services Practice Groups. Combining over a decade of experience litigating clients’ most important matters with in-depth, technical knowledge, Justin is uniquely positioned to help clients navigate the legal and regulatory issues raised by financial and emerging technologies. A recognized National Law Journal Cryptocurrency, Blockchain, and FinTech Trailblazer and cited authority on virtual currency, lending and FinTech issues, Justin advises clients on a myriad of issues pertaining to artificial intelligence, data science, machine learning, the Internet of Things (IoT), mobile payments, blockchain and cryptocurrency. He is a frequent commentator who has published articles in Law360, Corporate Counsel, FinTech Weekly, Business Insurance Journal and LegalTech News. He has been quoted in a number of leading legal and industry publications, including CoinDesk, Law360, Inside Counsel, Financial Advisor and the Chicago Daily Law Bulletin. Justin is also the founder and chair of the Chicago Bar Association’s Financial and Emerging Technologies Committee, an organizer of the Block(Legal) Tech Conference, a member of FinTex’s Legal and Regulatory Committee and a frequent public speaker on the intersection of technology and law. Amongst other engagements, he spoke at the 2017 Fin(Legal) Tech Conference, Lend360, 2018 Block(Legal) Tech Conference, FinTank’s Chicago Blockchain Summit, the FinTech Symposium and the Perrin Food and Beverage Conference. In addition to his technology practice, he is experienced in all phases of litigation and routinely represents clients in large, “bet-the-company” matters and internal investigations. Recently, he defended a subprime lending subsidiary of a large multinational corporation in a three-week, $1 billion Federal trial. Before joining Ice Miller, Justin was a partner at an international AmLaw 100 law firm where he co-founded and led his firm’s FinTech and Blockchain Practices. Outside of his practice, Justin teaches FinTech and the Law at Loyola School of Law as an adjunct professor. He earned his juris doctor, magna cum laude and Order of the Coif, from Washington University School of Law in 2007. He graduated from the University of Illinois with a Bachelor of Arts in 2004, summa cum laude and with Highest Distinction and University Honors. Justin is admitted to practice law in the state of Illinois, the U.S. District Court for the Northern District of Illinois, and the U.S. District Court for the Central District of Illinois.
David is the VP, Director of Specialty Lending at FinWise Bank where he is responsible for the overall management of the specialty lending programs, products and partnerships including oversight of the Bank’s Strategic Partnership activities, as well as other strategic initiatives. David oversees all aspects of credit, process optimization and management for these programs to ensure the quality of the Bank’s lending overall portfolio and products. David was formerly at Cross River Bank at its inception in 2008 having held several positions in Specialty Lending including Government Guaranteed Lending where he was a top SBA lender in the greater NY area for several years. Prior to Cross River Bank, he held positions at UBS as a Securities Specialist. David holds a BA from Brooklyn College in New York.
Andrew is the Compliance Audit Manager for TF Holdings, Inc., a growing financial technology company offering loan products and lending services. TF Holdings’ industry-leading products include the Cortex lending platform, iQ Decision Engine, Jora Credit and Echo Credit. Prior to joining TF Holdings, Andrew worked in the Risk Advisory Services group at Weaver. Andrew received his bachelor’s degree from Sam Houston State University and his master’s degree from TCU.
Linda Touch is the Vice President of Marketing for Identity, Fraud and Compliance at Equifax. In this role, she is responsible for the overall marketing strategy and execution of innovative solutions that leverage the extensive Equifax and partner data ecosystems to help improve identity authentication, customer acquisition, retention and channel profitability for business clients and the end consumer. Linda is a contributing author for articles that articulate the value of balancing consumer experience and risk management and the net positive impact to organizations. Linda brings 25+ years of experience as a creative, results-driven strategic portfolio marketing leader with proven ability to drive global product strategy and develop go-to-market plans that create value, increase revenue and grow brands. She is an experienced team leader, influential speaker and effective collaborator able to educate, inform and influence change. Prior to joining Equifax, Linda has led the development of innovative solutions, formulated product and marketing strategies for United Parcel Service, GE Capital, Turner Broadcasting and other organizations. She is also involved in the Atlanta philanthropic and FinTech community. Linda holds a BSBA, Marketing degree from American University.
Darryl Tyndorf is an economist and modeling consultant for PayNet, an Equifax Company. He is a former college professor and current Adjunct Professor at American University teaching economics, research methodology, and quantitative research methods. He has researched and presented on the impact of human capital on economic growth, historical and current economist status of the global, U.S., and Canadian economies, utilizing leading indicators in credit scoring, and the role of traditional and advanced analytics (Artificial Intelligence and Machine Learning) in credit scoring and small business lending. He has coordinated data collection and research with clients around the world. He holds a Masters Degree in Economics from Roosevelt University and a PhD from Old Dominion University.
Donald serves as Vice President of Compliance for LeadsMarket.com LLC where he works as the right hand man to the General Counsel in designing and executing its industry-leading Compliance Program. He has worked in three legal/compliance divisions in the corporate headquarters of Walmart Inc: the Privacy, Asset Protection and Real Estate Division. He is a certified auditor, compliance and risk management professional, holds a law degree from the University of Arkansas and a bachelor’s degree from the University of California, Los Angeles. Donald serves as an advisory board member for the Online Lender Alliance’s Compliance University and is a frequent speaker in the area of using Governance, Risk and Compliance (GRC) to improve long-term business performance.
Rahul Vaid, Managing Director at Crestline Investors and leads the Specialty Finance and Asset Oriented Investing team. Prior to joining Crestline, Mr. Vaid was Co-Founder and Managing Director of Frontier Investment Holdings. At Frontier, Mr. Vaid was responsible for sourcing, acquiring and managing secondary credit assets, hedge fund side pocket assets and direct deal investment opportunities. Prior to Frontier, Mr. Vaid was General Partner of Pacesetter Capital Group where he sourced, led and managed investments in technology and middle-market companies across growth equity, venture capital and debt investments.
Kate oversees internal audit, regulatory compliance and enterprise risk management operations including risk identification and mitigation activities – reporting to Elevate’s Board of Directors. She has more than 12 years’ experience in consumer lending law, including regulatory, compliance, licensing and litigation support for mortgage, auto and other personal lenders. At Elevate, Kate has held the roles of Senior Regulatory Attorney, Corporate Counsel, Associate Chief Counsel, and, most recently, General Counsel. Previously, Vanderkolk was an associate at Dreher Tomkies LLP in Columbus, Ohio. Kate received a J.D. from Capital University Law School and a B.S. in English and Communications from Duquesne University. She is also a graduate of Elevate’s Executive Excellence Program. In her spare time, Kate enjoys attending concerts, trying new restaurants, and spending time with her family (including lots of junior hockey).
More than 20 years of direct mail experience at various financial service organizations, including Nationwide, Orchard Bank, Household, HSBC, Standard Insurance and Freedom Financial. John was a key leader in building the Orchard Bank direct mail business from the ground up. At HSBC he worked on campaigns that averaged over 50M pieces mailed per month and resulted in net income growth >20% YOY. Launched the direct mail channel for the debt consolidation and personal loan lines of business at Freedom Financial.
Dave has held a variety of analytics and consulting roles at Equifax for 21 years. Dave leads a team of Analytics Solutions Consultants that work with Equifax clients to solve business challenges across the consumer and small business lending spectrum. Dave and his team collaborate with clients to develop strategies that utilize Equifax data, predictive solutions, advanced analytical techniques and tools to better acquire and manage customers.
Jeff White is a founding partner at The Wheelhouse Group, a marketing technology company and agency. The primary focus of The Wheelhouse Group is using technology to bridge the gap between online and offline marketing efforts in the consumer finance industry. Their focus has been in new customer acquisition, making sure you reach each prospect through every channel possible, from offline, to online, to TV, all in a one-to-one environment. The Wheelhouse Group is at the forefront of today’s marketing evolution and brings multiple new marketing technology solutions to the industry every year.
Diego Zuluaga is a policy analyst at the Cato Institute’s Center for Monetary and Financial Alternatives, where he covers financial technology and consumer credit. He has testified on consumer finance regulation before the U.S. House Subcommittee on Consumer Protection and Financial Institutions. Before joining Cato, Zuluaga was Head of Financial Services and Tech Policy at the Institute of Economic Affairs in London. While at the IEA, he studied the impact of an interest cap on consumer loans, among other subjects. Diego’s work has been featured in print and broadcast media, such as Politico, the Wall Street Journal, Newsweek, American Banker, the London Times, and the Daily Telegraph. Zuluaga is a prolific public speaker as well as a former lecturer in economics at the University of Buckingham. Originally from Bilbao in northern Spain, Zuluaga holds a BA in economics and history from McGill University, and an MSc in financial economics from the University of Oxford.