JOSH LINKNER

ENTREPRENEUR & HYPER-GROWTH CEO

To Josh Linkner, creativity and innovation are the lifeblood of all human progress, and as such, he’s spent his career harnessing the spirit of creative disruption. The four‐time successful tech entrepreneur, keynote speaker, and CEO delivers a clear call to action — it’s better to innovate and disrupt your organization before your competition does. The riskiest move companies can make today is hugging the status quo — believing the future will be like the past is the fast road to obsolescence.

Entrepreneur & CEO. Linkner was the founder and CEO of four successful technology companies over the last 24 years. He is Founder and former CEO of ePrize, the world’s largest interactive promotion agency that provides digital marketing services for 74 of the top 100 brands. Prior to ePrize, he was founder/CEO of three other successful technology companies. Each of his four startups enjoyed successful exits with a combined value of over $200 million. He’s been involved in the launch and growth of over 100 businesses, raised over $150 million of venture capital, employed thousands of people and fought through the dot-­‐com crash, 9/11 and the 2008 financial meltdown. His extraordinary business accomplishments led him to be honored twice as the Ernst & Young “Entrepreneur of the Year” and as a President Barack Obama “Champion of Change” Award recipient.

Author & Thought Leader. Linkner’s first book, Disciplined Dreaming – A Proven System to Drive Breakthrough Creativity was a New York Times bestseller and named one of 2011’s top ten business titles by Amazon.com. It is now available in 13 languages. He second book, The Road to Reinvention – How to Drive Disruption and Accelerate Transformation, was also named a NY Times Bestseller in its first week on bookshelves and was named the 2014 Best Leadership/Management Book by 800‐CEO‐READ. He is a regular columnist for Forbes, The Detroit Free Press, and Inc. Magazine. His work has been featured consistently in the media, including The Wall Street Journal, Harvard Business Review, USA Today, and The New York Times.

Venture Capital Investor. As Founding Partner of Detroit Venture Partners, Linkner remains at the cutting edge of technology and entrepreneurship. He oversees a $60 million venture fund investing in tech startups with the goal of revitalizing his hometown of Detroit, Michigan.

Doug Ekizian | Director, Consumer Finance Group, PwC

Doug is a Director in the Consumer Finance Group within PwC’s Banking and Capital Markets practice, and a member of PwC’s automotive finance leadership team.

He has a broad range of experience helping clients solve complex business issues related to business strategy and transformation, operational risk management, process optimization and standardization, and regulatory readiness and compliance.

As a significant contributor to PwC’s thought leadership, Doug is at the forefront of industry trends including behavioral analytics, customer experience, retention and segmentation, and new technology entrants to auto lending.

Doug has over 15 years of both captive and non-captive experience and, before joining PwC, spent the majority of his career in operational leadership roles in credit, collections, and risk analytics.

Doug earned his MBA and BA degree in Economics from Pepperdine University.


David Laterza | Senior Vice President, Head of US Non-Bank FIG, Gobal Financial Institutions Group, DBRS, Inc.

Based in New York, David has been with DBRS since 2006 and is a member of DBRS’s Financial Institutions Group with responsibilities for managing the Company’s Non-Bank Financial (NBFI) ratings coverage. In this role, David is responsible for the development of DBRS’s global rating methodology for finance companies, as well as authoring and overseeing the production of topical research by the DBRS NBFI team covering more than 12 asset sectors within the non-bank space.

In addition to his management responsibilities, David is the lead analyst for commercial related finance companies, including aircraft lessors, container lessors, equipment lessors, commercial fleet management companies and business development companies (BDCs). Further, David is deeply involved with DBRS’s growing non-bank financial ratings coverage in Canada, Mexico and Europe. A member of DBRS's rating committee, David participates as a voting member in reviewing, assigning and changing ratings and rating trends for financial institutions globally.

Before assuming responsibility for the NBFI team at DBRS, David’s responsibilities have included leading the coverage of U.S. non-bank financials, as well as Dutch banks, Irish banks and other European financial institutions.

Prior to joining DBRS, David spent a year and half at Fitch Ratings focusing on student loan and tobacco-settlement ABS. Prior to working at Fitch, David spent six years at Sallie Mae, where he was a manager in the company’s Securitization Accounting and Reporting group.

David holds a B.A. in Finance from Towson University and is a certified public accountant.


Mark Ryan | Vice President Emerging Markets, FICO

Mark Ryan is Vice President of Client Services for Financial Services at FICO. In this role he guides the Sales, Marketing and Services functions for FICO’s software and analytic offerings spanning originations, customer management, collections and recovery, applied optimization and fraud. Mark is responsible for the Auto, TELCO, Banking, FinTech and Government industries in North America and frequently speaks at Banking and FinTech industry events.

Prior to FICO, Mark worked as a Executive at a subsidiary of General Motors Financial Corporation having responsibility for the credit policy, origination operations, analytic development and deployment and business technologies to drive efficiency and customer satisfaction in the auto finance industry. Mark started his career at Wells Fargo Finance in branch operations running sales, originations and collections for direct lending, indirect auto finance and the financing of other goods and was responsible for building the highest volume region at the time of his departure. Mark holds a bachelor’s degree University of Massachusetts Fitchburg and a MBA from Nichols College.


Chris Stinebert | President & CEO, American Financial Services Association

Chris Stinebert is president and chief executive officer of the American Financial Services Association (AFSA), a national, Washington, D.C. – based trade association for the consumer credit industry, protecting access to credit and consumer choice. Founded in 1916, AFSA has 375 members which include consumer and commercial finance companies and banks involved in auto finance & leasing, mortgage lenders, personal loans, credit card issuers, industrial banks and industry suppliers. Although diverse, AFSA’s membership is united by its goal of serving the credit needs of consumers and businesses.

Government affairs and advocacy – legislative, regulatory and judicial – are major association activities. AFSA also focuses on financial literacy through the AFSA Education Foundation, as well as on professional development through conferences and expositions, investor forums, and management development programs at the University of North Carolina and Marquette University.

Mr. Stinebert joined AFSA in 2006. Previously, he served as president and CEO of the Manufactured Housing Institute (MHI), which represents the interests of manufacturers, lenders, and communities that produce, sell, finance and purchase factory built homes. Prior to joining MHI in 1998, he was president and chief executive officer of the National Concrete Masonry Association (NCMA) based in Herndon, VA.

Mr. Stinebert has over 30 years of experience in association management with emphasis on government affairs and advocacy; strategic planning and implementation; member communications; and economic and statistical data collection.

A graduate of Randolph-Macon College in Ashland, VA, Mr. Stinebert currently is the chairman of Americans Well-informed on Automobile Retailing Economics (AWARE), whose missions is to educate consumers on vehicle financing. He also serves on the U.S. Chamber of Commerce’s Committee of 100 and the Key Industry Association Committee at the American Society of Association Executives (ASAE).


Melinda Zabritski | Senior Director, Automotive Credit, Experian Automotive

Melinda Zabritski is Senior Director for Experian Automotive’s financial solutions team where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also manages the business unit’s thought leadership efforts.

Throughout her career with Experian, Zabritski has overseen the product management for Experian Automotive’s lending channel as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Additionally, she serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends.

Prior to joining Experian in 2004, Zabritski spent eight years in various product management and analyst positions within the credit industry, including management and development of credit risk models and market trending tools.

Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, Ariz., and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, La.

David Paul | Chairman, AFSA Vehicle Finance Board
David Paul | Senior Vice President, Financial Services
David Paul | Financial Services, American Honda Finance Group

David has over 25 years of experience in the automotive / financial services industry and is presently responsible for all the national operations and sales financing business of Honda Financial Services and Acura Financial Services. Previously as AVP Field Operations and Sales he oversaw all the credit, customer service, collections and dealer relationship and sales activities for Honda’s captive finance company in the U.S. based in Torrance, California.

David began his career at Chrysler Corporation in Detroit, Michigan in the Management Development Program of the Corporate Finance Group. He was given various roles in the Corporate Treasurer’s Office, the Automotive Sales and Marketing Group and Chrysler Financial Corporation.

David was then given the opportunity to help create a new captive finance company for BMW of North America headquartered in Woodcliff Lake, New Jersey to support the U.S. market. He was the co-founder of BMW Financial Services, serving as Vice President over Marketing, Sales and Operations.

Later, David served as Chairman, President and CEO of BMW Bank of North America located in Salt Lake City, Utah. He was the founder of this FDIC insured Industrial Loan Corporation and subsidiary of BMW Financial Services. At the same time, David acted as President of BMW Insurance Agency, Inc. and directed all insurance services activities for BMW Financial Services.

David also has led the business development activities at Toyota Financial Services based in Torrance, California with focus on obtaining regulatory approval and creating a FDIC-insured Nevada Thrift Company for Toyota. Based upon this new business platform, Toyota Financial Savings Bank, new products and services were developed to broaden the offerings for Toyota and Lexus dealers and drivers.

Just prior to joining Honda, David led DaimlerChrysler Financial Services’ efforts to develop and create an Industrial Loan Bank in Salt Lake City, Utah. Seeking to obtain approval by the FDIC for Chrysler Financial Bank, his efforts were focused on building a strategic platform with banking powers and broader funding capabilities in order to complement and support the existing automotive finance business.

David graduated from the University of Utah with a Bachelor of Science degree in Economics and later received his MBA with emphasis on Finance and Investments from the Marriott School of Management at Brigham Young University.

David was born in Santa Monica, California and lived in Japan for five years. He enjoys spending time with his wife Marci Harding Paul and five children.


Mark Scarpelli | 2017 NADA Chairman
Mark Scarpelli | President, Raymond Chevrolet and Kia

Mark Scarpelli is president of Raymond Chevrolet and Raymond Kia in Antioch, Ill., and co-owner of Ray Chevrolet and Ray Chrysler-Jeep-Dodge-Ram in Fox Lake, Ill. Scarpelli is 2016 vice chairman of the National Automobile Dealers Association and represents Metropolitan Chicago's franchised new-car dealers on its board of directors. (Term: February 2011-January 2017). Scarpelli is a past chairman of the Chicago Automobile Trade Association and is involved in his communications as the Director, Better Business Bureau of Northern Illinois (2003-present); Director, State Bank of the Lakes, a Wintrust Community Bank (2006-present); and as a member of the Antioch Rotary Club. He is the recipient of GM’s Mark of Excellence Award (2010 & 2011), Make A Difference Award from Antioch Community High School (2008), Recognition award from the Boys and Girls Club of Chicago (2006), and the Forefronts Award from Lakeland Media (2005). Scarpelli received his associate and bachelor’s degrees in Business Administration from Northwood University in Midland, Michigan.

Jason Grubb | Chief Executive Officer, Exeter Finance Corp.

Jason joined Exeter Finance Corp. in February 2016 and brings over 25 years of leadership to his position. His most recent experience includes 11 years at Santander Consumer USA, where he served in leadership roles including President & COO of Originations, in addition to SVP of Servicing, Jason also served as a Vice President for WFS Financial from 1998 to 2004, where he managed servicing operations. He also held key leadership positions in the U.K. and the U.S. for the servicing operations Commercial Financial Services. Additionally, he led teams in the floorplan, audit, underwriting and servicing areas at Nissan Motor Acceptance Corp. Jason received his bachelor’s degree in finance from Oklahoma State University and his Master of Business Administration degree from Our Lady of the Lake University. He also holds graduate certificates in finance and telecommunications from Southern Methodist University. Jason serves on the Vehicle Finance Board of AFSA.


Dale Jones | Executive Vice President, Americas, Ford Motor Credit Company

Mr. Jones is Ford Motor Credit Company Executive Vice President of the Americas, with responsibility for North America and South America operations. In addition, he is currently serving as; Chairman, Board of Directors Ford Credit Canada Ltd., Chairman, Board of Directors RouteOne Ltd., Member, Board of Directors American Financial Services Association (AFSA), Member, Board of Directors Ford Credit Swiss Holding Company, and Member, Board of Directors Greater Metropolitan Detroit YMCA. Previously served as Vice President Global Operations, responsible for purchasing/credit decisioning, collections and customer servicing. Prior to this, Vice President Global Corporate Strategy, and Vice President, North American Sales Operations. He joined Ford Credit in 1989 and has held a variety of positions including Branch Manager, District Manager, Business Center Director, Director of Product Marketing and Director of North America Service Center Operations.


Mark O’Donovan | Chief Executive Officer, Chase Auto Finance

Mark O’Donovan is CEO of Chase Auto Finance, one of the leading bank providers of auto financing in the country with a portfolio of more than $60 billion in assets and relationships with 75% of U.S. franchised automotive dealers. He is also a member of Chase’s Consumer and Community Banking leadership team.

Previously, O’Donovan served as firm-wide Controller of JPMorgan Chase. Before that, he was the Global Controller of the Investment Bank and from 2007 to 2010, he was the Global Controller for Treasury & Securities Services.

Prior to 2007, O’Donovan was the head of the Bank Regulatory Reporting group. Before that, he spent eight years in a number of business controller roles within the Investment Bank, during which time he was based in New York, London and Singapore.

Before joining J.P. Morgan in 1996, O’Donovan worked in the Audit / International Banking practice at Deloitte & Touche, where he became a Certified Public Accountant.

O'Donovan received a Bachelor of Science degree in Accounting from Susquehanna University where he is a member of the Alumni Executive Board.

He lives in New Jersey with his wife and three children.


Vince Rice | Executive Vice President, Consumer Finance Division Head, Bank of the West

Vincent Rice is EVP for Bank of the West, a part of the BNP Paribas Group which is a leading bank in the Eurozone and a prominent international banking institution. As the head of the consumer lending division, his responsibilities include the consumer and commercial portfolios in the automotive, recreational vehicle, and marine industries. Vince was asked to join Bank of the West to build the automotive initiative in the U.S. in alignment with BNP Paribas’ global auto strategy. Recently, Bank of the West has committed to expand its investment in automotive lending to include a national presence and a full banking product suite customized to the unique needs facing dealers in today’s market.

Vince has over 28 years of experience in commercial and consumer auto financing. He began his career at Chrysler Financial in an entry level position and progressively increased his responsibilities at regional offices in Omaha, San Francisco, and Denver, gaining experience in all aspects of automotive finance operations. With the merger of Daimler and Chrysler, Vince moved to the headquarters in Detroit and led strategic projects, developed national sales processes, and then managed major accounts for DaimlerChrysler Financial Services.

In 2006, Vince was appointed the executive Director for Chrysler Financial’s Northeast Business Center located in New York. After successfully managing the portfolio through the financial crisis and subsequent manufacturer bankruptcy, he returned to Detroit to assist the CEO in planning the future of the finance company. Vince was a part of the team that engaged TD Bank to acquire the consumer portfolio and lending platforms, establishing the new TD Auto Finance. As the Head of U.S. Business, Vince reported to the North American CEO for TD Auto Finance until joining Bank of the West in 2014.


Charlie Vogelheim | Host, Motor Trend Audio

Charlie Vogelheim brings nearly 30 years of automotive experience his presentations including roles as the host of Motor Trend Audio, the executive editor at Kelley Blue Book and as a VP at J.D. Power and Associates.

Charlie’s career has involved many aspects of the automotive industry. He spends his time evaluating new and interesting vehicles and helping consumers receive and understand car information. He has developed keen and humorous observations and insight to this ever-changing business and the cars we love, own and remember.

In order to study trends, further product familiarity and develop contact with industry personalities he travels worldwide, attending test-drives, auto shows and gatherings. Charlie is often a featured speaker at automotive seminars, conferences and media interviews. He's a regular radio correspondent and an automotive industry commentator for televised business news.

Charlie hosts the weekly podcast “Motor Trend Audio”. Each week he shares a variety of car related conversations and interviews with car owners, characters and celebrities. This fast and fun show covers all aspects of car ownership, enthusiasm and technology. At J.D. Power, Charlie produced the International Automotive Roundtable, the premier forum for industry leaders and executives to share and discuss market forces affecting the automotive industry.

During Charlie’s 20 years at Kelley Blue Book, he served as a key member of its editorial team. He was responsible for Kelley Blue Book’s extensive database which produced the fabled Blue Book and eventually the website: www.kbb.com.

As an internet pioneer, Charlie was an original contributor to the development and implementation of the automotive sites at Microsoft, AOL, Yahoo, Google and e-Bay. Additionally, he was Chairman of the Automotive Internet Standards Committee contributing to the development of all major automotive Internet sites.

Charlie earned a bachelor’s degree in economics from Gonzaga University in Spokane, Washington. His education included one year abroad studying the formation of the Common Market/European Union.

Immediately following college, he pursued an interest in aviation, including several years as a commercial pilot, flight instructor, ground school teacher, flight club manager, Alaskan float-plane bush-pilot and air traffic controller.

Broderick Coats | Senior Manager, EY

Broderick is a Senior Manager in the Advisory Services practice of EY. He has 15 years experience assessing consumer compliance risk management programs, conducting fair lending reviews and analyses, evaluating compliance monitoring and testing programs, and conducting compliance audits. He is also a former Managing Examiner from the Federal Reserve Bank of Chicago. He has extensive testing experience with various consumer laws such as the ECOA, HMDA, FCRA, FDCPA, Flood, TILA, EFTA, RESPA and Unfair Deceptive Acts or Practices.

Broderick has assisted depository and non-depository clients with regulatory assessments for CFPB, OCC, and FRB requirements, exam preparation, vendor management reviews. His most recent engagement experience includes assisting several large financial institutions with compliance audits, conducting fair lending risk assessments, providing support with building out compliance requirements for State level regulations for a major auto lender, assisting financial institutions with fair lending and CRA remediation activities, and assisting with the development of a UDAAP risk assessment process.


Tracy Hatt-Doering | Senior Manager, EY

Tracy Hatt-Doering is a Senior Manager in EY’s Advisory Services practice. She has over 15 years industry experience focusing on consumer compliance and governance in both depository and non-depository organizations. She has served as a subject matter advisor to teams and led teams assisting institutions with assessing their current compliance programs, infrastructure, processes, and tools to identify gaps and areas of improvement needed for compliance with laws, rules, and regulations. She has also assisted institutions with regulatory preparedness and consent order remediation.

Prior to EY, Tracy spent over 7 years as a regulator with various regulatory entities. Most notably, she served as a Senior Analyst with the Consumer Financial Protection Bureau (CFPB) where she helped strengthen its newly formed Examination Oversight division. While there, she was part of a team that worked to create a yearly examination schedule; worked with regional examination teams on compliance examinations in areas such as CMS, UDAAP, credit reporting, and add-on products; coordinated regulatory actions across the 4 examination regions; and was also part of a committee that worked to determine if legal action should be pursued based on examination work.

Tracy has frequently spoke on a variety of compliance topics at conferences and training sessions, and was a 2013 commencement speaker for Utica College. Tracy has a BBA in Finance and a Master’s degree in Economic Crime Management. She is also a Certified Regulatory Compliance Manager (CRCM) and a Certified Fraud Examiner (CFE).


Liz Lasher | Senior Director, Fraud, Security, and Compliance LOB, FICO

Liz runs a team of experienced fraud, cyber and compliance solutions consultants across multiple verticals, including banking, auto finance, property and casualty insurance, healthcare and government. She is an expert in fraud prevention, fraud detection, pattern fraud and organized crime with extensive experience in leveraging link analysis and network analytics (SNA) technology to address concerns including identity abuse, synthetic identities, and identity theft.

Liz earned a Bachelor’s Degree from The University of Virginia and a Master’s Degree from The University of North Carolina at Chapel Hill


Gerald S. Sachs | Of Counsel, Global Banking and Payment Systems, Paul Hastings

Gerald S. Sachs (Gerry) is of counsel in the Global Banking and Payment Systems practice at Paul Hastings and is based in the firm’s Washington, D.C. office. Gerry advises consumer financial services companies on all aspects of state and federal consumer financial protection law ranging from disclosures to debt collection. He has assisted companies with compliance audits, supervisory examinations, enforcement investigations, and litigation. Prior to joining Paul Hastings, Gerry was Senior Counsel for Policy and Strategy with the Enforcement Office at the Consumer Financial Protection Bureau (CFPB). Gerry assisted the CFPB with strategic planning, drafting policies and procedures, coordinating with other regulators, conducting investigations, supporting supervisory examinations, and working on intra-agency payments systems and other initiatives. He led two teams of attorneys that focused on auto finance, credit cards, mobile payments, emerging payments, prepaid cards, and digital currency. In addition, he assisted the CFPB with its mortgage servicing rules implementation and internal oversight matters. Before joining the CFPB, Mr. Sachs served as an Assistant United States Attorney for the Northern District of Georgia, where he prosecuted both civil and criminal cases ranging from the False Claims Act to money laundering, economic crimes, and computer hacking. One of Mr. Sachs’ cases involved the prosecution of an elaborate international computer hacking scheme in which hackers stole consumer information and used counterfeit payroll debit cards to withdraw more than $9 million from thousands of ATMs around the world in a matter of hours. Mr. Sachs also served as part of the Hurricane Katrina Task Force and assisted the Office of Overseas Prosecutorial, Development, Assistance, and Training with its Merida High-Profile Initiative to train Mexican federal prosecutors, agents, and expert witnesses. Prior to the U.S. Attorney’s Office, Mr. Sachs was an attorney for the Federal Trade Commission’s Southeast Region Office where he prosecuted various unfair and deceptive acts and practices in violation of federal consumer law. Mr. Sachs also worked in private practice prior to his government service.


Jim Sheeran | General Counsel, Tidewater Finance Company

Jim joined Tidewater Finance Company as General Counsel in 1999. Over the past 16 years, the company has developed new financial service products and grown from a regional to a nationwide financial services company.

Jim joined AFSA’s Law Committee in 2005, and served as chair from 2012-2014. During his tenure, he authored the committee’s bylaws, served as parliamentarian, and chaired the litigation and emerging issues subcommittees. He also chaired the working group that developed AFSA’s Civil Investigative Demand Response Procedures last year. Currently, he chairs the Ancillary Products Working Group and the group that is developing AFSA’s Cybersecurity Response Procedures. He also serves as the liaison between the Law Committee and the Operations & Regulatory Compliance Committee.


Daniel D. Soto | Chief Compliance Officer, Ally Financial Inc.

Dan is the Chief Compliance Officer for Ally, where he is responsible for Ally’s enterprise-wide compliance activities.

Before joining Ally, Dan spent two years with Wachovia/Wells Fargo in anti-money laundering and retail banking compliance; was for three years the Chief Compliance Officer for Royal Bank of Canada–Centura; and spent eight years with Bank of America in the global anti-money laundering compliance function.

Prior to joining the private industry, Dan was in the public sector as a commissioned bank examiner where he spent six years with the FDIC and nearly 10 years with the Federal Reserve Board.

Dan is based in Charlotte, North Carolina; was awarded the 2014 Distinguished Service Award from the ABA Compliance Administrative Committee; is a faculty member of the American Bankers Association’s National Compliance School; on editorial advisory board for Banking Exchange; Chairman, Operations & Regulatory Compliance Committee (ORCC); and also on the advisory boards of the Association of Certified Anti-Money Laundering Specialists and the BSA Coalition.


Christopher J. Willis | Partner, Ballard Spahr

Christopher J. Willis leads the firm's Consumer Financial Services Litigation Group. He devotes his practice to assisting financial services institutions facing government investigations and examinations, counseling them on fair lending risk and compliance assessments, and defending them in individual and class action lawsuits brought by consumers and enforcement actions brought by government agencies.

Mr. Willis also chairs the firm's Fair Lending Task Force. His clients span the financial services industry and include banks and non-banks, mortgage banking lenders and servicers, debt collectors and buyers, third-party service providers, student lenders and servicers, and auto finance companies.

Mr. Willis speaks nationally on the subject of consumer financial services law and has been featured in numerous articles in publications such as the Wall Street Journal, the New York Times, American Banker, National Law Journal, BNA Bloomberg, and Bank Safety and Soundness Advisor.

Representative Matters

  • Represented multiple financial services companies in responding to civil investigative demands issued by the Consumer Financial Protection Bureau (CFPB) in areas including auto finance, mortgages, credit cards, payment processing, credit card add-on products, and debt collection
  • Served as lead counsel in multiple force-placed insurance cases around the country
  • Advised multiple financial services companies in conducting compliance reviews in anticipation of examinations by the CFPB
  • Conducted fair lending risk assessments for banks and non-banks, covering mortgage, credit card, auto financing, and other product lines
  • Represented a bank in ACH class actions related to payment processing for alleged illegal lending activity
  • Represented an auto lessor in a nationwide Consumer Leasing Act class action
  • Conducted a UDAAP assessment for a large credit card rewards program
Nathan Benson | Chief Executive Officer, Tidewater Finance Company

Nathan Benson is the Chief Executive Officer of Tidewater Finance Company in Virginia Beach, Virginia.

Nathan Benson grew up in Cape Town, South Africa. In 1977, he graduated from the University of Cape Town with a CPA.

He began his career in financial services in 1977. He became one of the youngest partners ever at the accounting firm Rosenberg, Shulman & Gordon.

In 1986, Nathan and his family moved from South Africa to Virginia Beach where he worked at a CPA firm for two years before joining L.M. Sandler & Sons as its CFO.

Nathan’s job was to create other business opportunities for the Sandler family. In 1992, he started Tidewater Finance Company, a specialty lending company.

Nathan joined AFSA in 1996, and quickly became actively involved in the leadership of the Independents Section and Vehicle Finance Division. He was a member of the Independents Advisory Board and became the AFSAPAC Chairman in 2004. In 2005, Nathan was elected Chairman of the Independents Section and served two terms. In 2013, Nathan also served as Chairman of the Operations and Regulatory Compliance Committee.

During the 2007 AFSA Annual Meeting, Nathan was honored by AFSA as the recipient of the AFSA Distinguished Service Award.

In 2009, Nathan testified on behalf of AFSA at a hearing on “Consumer Credit and Debt” The Role of the FTC in Protecting the Public.”

In 2010, Nathan spearheaded the development of the AFSA Independent Auto Finance Executives Group to focus on best practices, compliance, operational efficiencies and using new technology. The success of this group has attracted new independent auto finance companies to join AFSA.

Currently, he serves on the AFSA Vehicle Finance Advisory Board, the AFSA Executive Committee, Board of Directors, AFSA Education Foundation Board, Operations & Regulatory Compliance Committee, Nominating Committee, Audit Committee and the Investment Policy Committee.

Nathan’s passions also include many hours of charitable work, including serving as Chairman of an annual golf tournament that has raised more than $1 million for a summer camp for Autistic children, Holocaust Commission, and a youth hostel for troubled children.


Mike Callahan | Chief Financial Officer CarMax Auto Finance

Mike Callahan is the Chief Financial Officer for CarMax Auto Finance. As a 20-year veteran of CarMax, Mike has been integral in the company’s growth including its captive finance arm. Mike has significant experience in finance and accounting, treasury, and capital markets.

Prior to CarMax, Mike served in various finance and accounting roles. He holds a bachelor’s degree from the University of Richmond.


Lana Johnson | Executive Vice President, Head of Originations, Santander Consumer USA, Inc.

Ms. Johnson joined Santander Consumer USA (SC) in February of 2009 with responsibility for Loan Originations, Dealer Services and New Business/Strategic Servicing. She has over 20 years of experience in auto finance across a variety of disciplines including marketing, business development, underwriting, operations and pricing. Prior to SC, Lana has held leadership positions with Citigroup, HSBC and AmeriCredit/GM Financial. She holds a BBA in Accounting/Finance from Stephen F. Austin State University and has completed Executive Education Programs at Kellogg School of Management.


Jim Satterfield | President & Co-Founder, Firestorm® Solutions, LLC

Jim Satterfield, President and CEO of Firestorm® Solutions, LLC, is a nationally-recognized expert on crisis management, threat assessment, disaster preparedness and business continuity. Firestorm® is America’s CRISIS COACH®. Since 2005, Firestorm has assisted clients in transforming crisis into value. The Firestorm PREDICT.PLAN.PERFORM.® methodology combines best-practice consulting with proven crisis management expertise, empowering clients to manage risk and crisis. Jim has spoken to hundreds of groups advocating a culture of preparedness.

Jim has extensive public and private company experience in the identification of problems and designing solutions. His added experience as CEO and COO of various public and private companies provides for a substantive background in addressing the significant risks and exposures many corporate boards face in today’s highly regulated, dynamic environment. Jim led the Firestorm team that provided the crisis and media management support at Virginia Tech in response to the shootings. He is currently leading a national focus on the failure of disaster plans, the role of schools in protecting their students, and the impacts of disaster discrimination.

Jo Ann Barefoot | CEO, Barefoot Innovation Group, LLC

Jo Ann is a Senior Fellow at Harvard University’s Mossavar-Rahmani Center for Business & Government in the John F. Kennedy School of Government and is CEO of Barefoot Innovation Group, LLC. Based in Boston, she is writing a book on financial technology innovation and regulation.

Widely known for her advocacy of “regulation innovation,” Jo Ann has over thirty-five years of experience in consumer financial regulatory issues and fintech. The first woman Deputy Comptroller of the Currency, she established the original consumer protection regulatory unit for U.S. national banks. She was a member of the original Consumer Advisory Board of the federal Consumer Financial Protection Bureau. Currently she serves on the board of Oportun, a financial technology company that provides affordable loans to underserved communities. Previously she served on the staff of the U.S. Senate Banking Committee and was Partner and Managing Director at KPMG. Her consulting clients have included many of the world’s largest financial institutions.

Jo Ann is an angel investor and advises a number of fintech startups. A frequent media source, she speaks annually to thousands of people throughout the world and has published nearly 200 articles. She also hosts the acclaimed podcast series Barefoot Innovation.

Jo Ann is vice chair of the board of CFSI.


Duane Freeman | National Sales Executive, Consumer Vehicle Lending, Dealer Financial Services, Bank of America

Duane Freeman is the National Sales Executive for Bank of America’s Consumer Vehicle Lending Dealer Financial Services, which provides financing and the full range of consumer banking services to dealers in the automobile and recreational vehicle industries across the United States. Bank of America is one of the largest bank providers of retail financing to more than 8,000 dealers in the U.S.

Duane’s responsibilities include managing the day-to-day production activities of the indirect sales team while developing strategies to maintain, deepen, broaden, and identify new client relationships. He serves as a member of the Consumer Vehicle Lending leadership team and works to identify opportunities to maximize client performance, market share, improve operational efficiencies, leverage our brand, and improve the consumer finance experience. Duane joined Bank of America in 2004 and has 20 years of automotive finance experience, including roles in commercial banking, national accounts, collections, underwriting, floor plan management, aftermarket product sales, dealer portfolio risk assessment, sales, and marketing. He previously worked for Ford Motor Credit.

Duane graduated from the University of Utah and currently resides in Southern New Jersey, just outside of Philadelphia.


Beth Osburn | Director, Consumer Communications & Account Services, Nissan Motor Acceptance Corp

Beth leads an organization responsible for the customer support and back-office processing of a portfolio of more than 2 million customers, including contact center and payment processing operations in addition to the website and digital strategy.

With more than 20 years in the Financial Services industry, Beth began her career with NMAC in 1992 in the Customer Service and Lease Maturity areas where she then went on to Manage these operations. She spent more than two years supporting Nissan North America as a six-sigma expert, before re-joining the NMAC organization as a Senior Manager. Her experience in a Senior leadership role included managing Customer Service, Lease Customer Network, Consumer and Commercial Credit Operations and Collections.


Elizabeth Webb | Executive Vice President, Partnerships, Exeter Finance Corp.

Elizabeth is Executive Vice President, Partnerships, and also served as Chief Marketing Officer at Exeter Finance Corp. Her extensive background includes developing and managing strategic partnerships for AmeriCredit as Senior Vice President of Business Development, at WFS Financial as Vice President of Sales, and at GMAC, where she worked at various branch offices as well as on special assignment at Executive office.

Elizabeth serves as a member of the AFSA Vehicle Finance Planning Committee, previously served on AFSA’s Vehicle Finance Division Board, current Chair of the AFSA Women’s Leadership Council, and also a member of the board of NAF Association. Elizabeth attended the University of Texas at San Antonio and Kellogg School of Management, Northwestern University

John Garff | CEO, Ken Garff Automotive

John Garff is the CEO of Garff Enterprises, Inc. He received his Bachelors of Science Degree from the University of Utah's David Eccles School of Business and earned his M.B.A. from Northwestern University's Kellogg School of Management.

He currently serves as a board member on the National Advisory Board for the University of Utah's David Eccles School of Business. In 2010, John served as President of the New Car Dealers of Utah.

John resides in Salt Lake City with his wife Amy and their five children.


Mark Kaczynski | President & CEO, Nissan Motor Acceptance Corporation (NMAC)

Mark Kaczynski is President and Chief Executive Officer for Nissan Motor Acceptance Corporation (NMAC), Nissan North America.

Mark joined Nissan in 2007 as controller of Sales and Marketing, Nissan America. Since joining Nissan, his responsibilities have been expanded to include finance responsibilities for Parts and Service and NMAC. In this role Mark has successfully led key efforts to drive efficiency within Nissan’s Finance organization. Mark’s work has encompassed a wide range of mission-critical activities including piloting the Americas Cross-Functional Team responsible for optimizing Sales & Marketing strategies.

Prior to joining Nissan Mark held various executive positions with Fisher Scientific and over 10 years experience with Ford Motor Company. His positions within Ford included Finance roles supporting Marketing and Sales, Product Development and Manufacturing.

Mark holds a bachelor’s degree in mechanical engineering from Michigan State University and a master’s of business administration degree from the University of Chicago. Mark, his wife Danielle, and their two daughters live in Brentwood, Tennessee.


Nick Stanutz | Senior Executive Vice President, Managing Director of Auto Finance Huntington National Bank

Nicholas G. Stanutz oversees the performance of some of Huntington’s more asset-centric businesses, which account for approximately 30% of all loans and leases.

Stanutz joined Huntington in 1986, established its Indiana presence as auto finance regional manager, and went on to manage auto finance, home equity, and credit card and consumer collections. In 1998 he began focusing exclusively on expanding Huntington’s auto finance business. Today the business is comprised of more than 3,800 dealers in 17 states and finances more cars than at any other time in Huntington’s 60 years of service to the automotive industry.

Committed to customer and community, Stanutz serves on the American Financial Services Association board, its executive committee and the organization’s vehicle finance committee. He’s a 19-year member and past chairman of the Consumer Bankers Association auto finance committee. Locally, Stanutz serves as treasurer of the Columbus Speech and Hearing Center, in addition to serving on the organization's board of directors. He is a past member of the Central Ohio United Way and Ohio Chamber of Commerce boards.

Stanutz graduated from the University of Wisconsin Graduate School of Banking and holds a bachelor's degree in finance from Indiana University, Bloomington.


Charlie Vogelheim | Host, Motor Trend Audio

Charlie Vogelheim brings nearly 30 years of automotive experience his presentations including roles as the host of Motor Trend Audio, the executive editor at Kelley Blue Book and as a VP at J.D. Power and Associates.

Charlie’s career has involved many aspects of the automotive industry. He spends his time evaluating new and interesting vehicles and helping consumers receive and understand car information. He has developed keen and humorous observations and insight to this ever-changing business and the cars we love, own and remember.

In order to study trends, further product familiarity and develop contact with industry personalities he travels worldwide, attending test-drives, auto shows and gatherings. Charlie is often a featured speaker at automotive seminars, conferences and media interviews. He's a regular radio correspondent and an automotive industry commentator for televised business news.

Charlie hosts the weekly podcast “Motor Trend Audio”. Each week he shares a variety of car related conversations and interviews with car owners, characters and celebrities. This fast and fun show covers all aspects of car ownership, enthusiasm and technology. At J.D. Power, Charlie produced the International Automotive Roundtable, the premier forum for industry leaders and executives to share and discuss market forces affecting the automotive industry.

During Charlie’s 20 years at Kelley Blue Book, he served as a key member of its editorial team. He was responsible for Kelley Blue Book’s extensive database which produced the fabled Blue Book and eventually the website: www.kbb.com.

As an internet pioneer, Charlie was an original contributor to the development and implementation of the automotive sites at Microsoft, AOL, Yahoo, Google and e-Bay. Additionally, he was Chairman of the Automotive Internet Standards Committee contributing to the development of all major automotive Internet sites.

Charlie earned a bachelor’s degree in economics from Gonzaga University in Spokane, Washington. His education included one year abroad studying the formation of the Common Market/European Union.

Immediately following college, he pursued an interest in aviation, including several years as a commercial pilot, flight instructor, ground school teacher, flight club manager, Alaskan float-plane bush-pilot and air traffic controller.

William Chesnut | Regional Director, William Grant & Sons, Inc.

 


Matt Heydon | National Marketing Manager, Channel Integration, Toyota Financial Services

Matthew Heydon is the Group Manager of Retail Transformation for Toyota Financial Services (TFS). In this role, Matt is responsible for Toyota and Lexus Financial Services Strategy, Business Case, Mobilization and Execution of the Retail Transformation program. Matt’s 20+ year career with Toyota began at various Toyota Motor Sales (TMS) and TFS field offices, from customer service to associate and dealer technology and early websites.

In 2002, Matt moved to Toyota Headquarters in Torrance, holding multiple positions in the digital and strategic planning areas of both TMS and TFS. He has worked on large scale web projects with Scion.com, the Toyota.com and Lexus.com. He has helped lead dealer digital business solutions like TFS Dealer Daily/Dealer Passport, RouteOne & Route One e Contracting. As a Strategist Matt helped the company shift to a capability based strategy in Strategic Planning. Matt is now in the TFS Sales Product & Marketing department helping to build TFS’ Future of Retail, Service and Retention capabilities in partnership with Toyota, Lexus, Dealers & Customers.

Matt has a passion for and considers himself an eternal student of the automotive industry. He is a father of a great 10 year old girl and crazy 8 year old twins and likes to dabble on the grill and smoker. Matt earned his Bachelor of Science in Business-Marketing from the University of Missouri.


Jim Houston | Senior Director, Auto Finance, JD Power

James Houston is Senior Director, Automotive Finance Practice at J.D. Power. He is responsible for leading and directing the practice in providing the auto finance industry with Voice of the Customer data and insights into the current market and future trends.

Mr. Houston joined J.D. Power in 2016, bringing with him nearly 30 years of experience in the auto finance business, most recently at TD Auto Finance. There, he was head of major account strategy; data governance and business intelligence; fair lending; and pricing and program development. Prior to TD Auto Finance, Mr. Houston was senior manager of marketing operations and acquisition strategies at Chrysler Financial, where he directed the activities and performance of field sales operations; pricing and program development; portfolio systems and support; reporting and business intelligence; and Chrysler Reward Visa. Previously, he was vice president of national accounts at Chase Automotive Finance and senior vice president of the Midwest region at Bank of America Auto Group.

Mr. Houston received a bachelor’s degree in business administration from Central Michigan University.


Patrick Kelly | SVP, Regional Credit Officer, Huntington Auto Finance & Asset-Based Lending, Huntington National Bank

Patrick received a BS in Finance from the University of Illinois, earned his MBA from the University of Dayton and is a graduate of the ABA Stonier Graduate School of Banking.

Mr. Kelly’s experience at Huntington includes the following positions: Special Assets Officer, Branch Manager, Small Business Banker, Corporate Banking Relationship Manager and Regional Credit Officer.

He is the Board Chairman of the Central Ohio Alzheimer’s Association, Steering Committee Chairman of HBI-PAC, the Co-Chairman of Auto Financial Services Association Commercial Credit Committee and the former Chairman of the Central Ohio Chapter of Robert Morris Associates (RMA).


Erin Kerrigan | Founder & Managing Director, Kerrigan Advisors

Erin Kerrigan is Managing Director of Kerrigan Advisors, which she founded in 2014. Kerrigan Advisors is a national buy/sell advisory firm focused on providing a limited number of sellers, a high level of client service. Prior to founding Kerrigan Advisors, Ms. Kerrigan headed Presidio Automotive. During her time at Presidio, the firm represented dealer clients in numerous large, multi-million dollar transactions. Prior to Presidio, she was a Senior Vice President at AutoStar, a subsidiary of iStar Financial (NYSE: SFI), where she led transaction origination. Early in her career, she was dealer operator of her family’s dealership, which she sold in 2006. She began her post-graduate career as an investment banker for Piper Jaffray.

Ms. Kerrigan is a recognized industry expert on dealership valuation, real estate and buy/sells, and is a frequent speaker at leading auto retail events and conferences, including NADA (#1 speaker in 2012), American Institute of Certified Public Accountants (AICPA), National Association of Dealer Counsel (NADC), Auto Team America’s Buy/Sell Summit and DrivingSales’ President’s Club. She has also been a key note speaker for events hosted by American Honda Motor Company, Audi of America, Bank of America, US Trust, Ohio Automobile Dealer Association, Colorado Automobile Dealer Association, and SunTrust Bank and has also led webinars for NADA and Automotive News. Her expertise is also featured in a monthly column she writes for Dealer Magazine.

Ms. Kerrigan earned her undergraduate degree from Northwestern University and her Masters in Business Administration from The UCLA Anderson School of Management.


Glenn Mercer | Automotive Industry Analyst, GM Automotive, LLC

Mr. Mercer is an automotive industry analyst, having spent three decades of experience in automotive advisory work, including over 20 years at McKinsey & Company, where he was a leader of the Automotive Practice, participating in hundreds of client studies over that timeframe.

When he left McKinsey as a Partner in 2006, he established his own independent advisory service. In particular, he has been involved in dozens of due diligence processes over the years. In addition to project-based work for investment firms (e.g. KKR, Greenbriar, Kleiner Perkins), he has been an advisor to various industry entities (e.g. Ricardo PLC, the Automotive X Prize, Alliance Bernstein), a Board member for several automotive firms (e.g. Stackpole, Grakon, Tinnerman, Rimstock), an expert witness in automotive legal actions, and a lecturer on automotive economics in several academic settings (e.g. Case Western, Wharton, Cambridge University). He is a previous President of the Society of Automotive Analysts, and a former Director of the International Motor Vehicle Program. Most recently he completed an extensive project on the Dealership of Tomorrow for NADA in the USA.

Mr. Mercer holds degrees (of varying relevance...) from Dartmouth, Yale, and the Tuck School of Business. He lives with his wife Ida, a cellist, in Ohio, although his work has taken him around the world, including extended tours of duty in the UK, Denmark, Italy, Japan, and elsewhere. He is currently not driving anything of interest, but he does miss his NSX!


Doug Mitchell | Senior Vice President, Dealer Financial Services, SunTrust Banks

 


Charlie Vogelheim | Host, Motor Trend Audio

Charlie Vogelheim brings nearly 30 years of automotive experience his presentations including roles as the host of Motor Trend Audio, the executive editor at Kelley Blue Book and as a VP at J.D. Power and Associates.

Charlie’s career has involved many aspects of the automotive industry. He spends his time evaluating new and interesting vehicles and helping consumers receive and understand car information. He has developed keen and humorous observations and insight to this ever-changing business and the cars we love, own and remember.

In order to study trends, further product familiarity and develop contact with industry personalities he travels worldwide, attending test-drives, auto shows and gatherings. Charlie is often a featured speaker at automotive seminars, conferences and media interviews. He's a regular radio correspondent and an automotive industry commentator for televised business news.

Charlie hosts the weekly podcast “Motor Trend Audio”. Each week he shares a variety of car related conversations and interviews with car owners, characters and celebrities. This fast and fun show covers all aspects of car ownership, enthusiasm and technology. At J.D. Power, Charlie produced the International Automotive Roundtable, the premier forum for industry leaders and executives to share and discuss market forces affecting the automotive industry.

During Charlie’s 20 years at Kelley Blue Book, he served as a key member of its editorial team. He was responsible for Kelley Blue Book’s extensive database which produced the fabled Blue Book and eventually the website: www.kbb.com.

As an internet pioneer, Charlie was an original contributor to the development and implementation of the automotive sites at Microsoft, AOL, Yahoo, Google and e-Bay. Additionally, he was Chairman of the Automotive Internet Standards Committee contributing to the development of all major automotive Internet sites.

Charlie earned a bachelor’s degree in economics from Gonzaga University in Spokane, Washington. His education included one year abroad studying the formation of the Common Market/European Union.

Immediately following college, he pursued an interest in aviation, including several years as a commercial pilot, flight instructor, ground school teacher, flight club manager, Alaskan float-plane bush-pilot and air traffic controller.

Mark Calabria | Director of Financial Regulations Studies, Cato Institute

Before joining Cato in 2009, Mark spent six years as a member of the senior professional staff of the U.S. Senate Committee on Banking, Housing, and Urban Affairs. In that position, Calabria handled issues related to housing, mortgage finance, economics, banking and insurance for Ranking Member Richard Shelby (R-AL). Prior to his service on Capitol Hill, Calabria served as deputy assistant secretary for regulatory affairs at the U.S. Department of Housing and Urban Development, and also held a variety of positions at Harvard University’s Joint Center for Housing Studies, the National Association of Home Builders, and the National Association of Realtors. Calabria has also been a research associate with the U.S. Census Bureau’s Center for Economic Studies. He has extensive experience evaluating the impacts of legislative and regulatory proposals on financial and real estate markets, with particular emphasis on how policy changes in Washington affect low- and moderate-income households. He holds a doctorate in economics from George Mason University.


Bill Himpler | Executive Vice President, AFSA

 


Frank Salinger | Principal, Public Policy Law Practice

Frank Salinger runs a boutique law practice helping financial services companies and their trade associations unravel federal and state legislative and regulatory knots that impede business. His practice specializes in legislative and regulatory analysis and political strategy.

Before establishing his practice, he headed the government relations department for a leading issuer of MasterCard® consumer and small business payment cards where he also served as chief corporate compliance officer and directed the community reinvestment act functions.

Frank formerly headed the government relations programs for the American Financial Services Association and the Truck Trailer Manufacturers Association. His experience as a legislative staffer, operations-oriented financial services lawyer, chief corporate compliance officer and outside director of an FDIC-insured state chartered bank gives him a real world overview of policy challenges facing business.

A frequent speaker on financial services, political and lobbying issues, Frank has presented at American Bar Association meetings in Chicago, New York, London, and Washington, DC. He has addressed groups including: Association of Finance Banks of Argentina, Japan Association of Finance Houses, Manufactured Housing Institute, Merchant’s Research Council, National Association of Industrial Bankers, National Home Equity Mortgage Association, National Association of Consumer Credit Administrators, Women Impacting Public Policy, Women in Government Relations, as well as state banking and financial services associations throughout the country.

Frank is a Life Member of the Republican National Lawyers Association where he headed the national media outreach program and currently serves on the Board of Governors. He is a member of the Federalist Society for Law and Public Policy Studies.

A graduate of the University of Baltimore School of Law, he is admitted to practice in the District of Columbia and Maryland.

He is listed in Who’s Who in American Law and has AVVO rating of “Superb” in the government lawyer category.

Randy Dohse | Senior Vice President of Operations, NextGear Capital

Randy Dohse serves as SVP of Operations for NextGear Capital. In this role, he is responsible for guiding the company’s field processes to maximize customer service levels and deepen dealer relationships. With 20 years of experience in the automotive industry, Randy has been with the company since its inception as Dealer Services Corporation in 2005, holding multiple leadership positions within the company. Most recently, he served as Division Vice President-West. Prior to joining NextGear Capital, Randy spent time with AFC and AmeriCredit in a Branch Manager capacity. Randy holds a Bachelor’s of Science in Economics from University of Wisconsin.


Joelle Emerson | Founder & CEO, Paradigm

As the Founder and CEO of Paradigm, Joelle partners with leaders of some of the world's most innovative companies to consult and advise on diversity and inclusion. Joelle's work has been featured in PBS NewsHour, The Wall Street Journal, The New Times, Harvard Business Review, Fortune, and several other outlets.

In 2015, Joelle was named to Vanity Fair’s “next establishment” list for being one of the “most ambitious, innovative, disruptive entrepreneurs” of the year. Before founding Paradigm Joelle was a women's rights employment lawyer, representing women in gender discrimination lawsuits, and advocating for local, state, and federal policies to ensure equal pay and other workplace protections. She is a graduate of Stanford Law School.


Larry Hund | President, Harley-Davidson Financial Services, Inc.

Larry Hund is the President and Chief Operating Officer of Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc. (NYSE: HOG).

A 24-year financial services veteran, Larry has held a wide range of executive roles throughout his career. Upon joining HDFS in 2002, Larry served as Vice President of Operations and Chief Financial Officer and also was interim Chief Operating Officer from July 2006 to January 2007.

After leaving HDFS, Larry joined Bridge Finance Group as Chief Financial Officer. In November 2008, he joined Tygris Commercial Finance as Chief Financial Officer.

Earlier, Larry spent 17 years at Heller Financial, Inc., and in the six years prior to Heller’s purchase by GE Capital served as Executive Vice President and Controller.

Larry rejoined HDFS in June 2009.

Larry is a Certified Public Account, earned a Bachelor of Business Administration degree in Accounting from Chicago’s Loyola University and a Master of Business Administration degree from the University of Chicago.


Tim Russi | President, Auto Finance, Ally Financial Services

Tim Russi, President, Auto Finance - Ally Financial Inc. He is responsible for developing the strategy and driving the performance of the auto business. Prior to this role Russi was Executive Vice President of North American Operations – Auto (NAO) for U.S. and Canada and Chief Financial Officer for Ally’s Global Automotive Services and chief Operating Officer for NAO.

Prior to joining Ally in October 2008, Russi worked for Cerberus Operations and Advisory Company as a senior advisor to Ally. He assumed this role in early 2008 after serving as the President of Dealer Financial Services for Bank of America.

Russi has more than 25 years of business and financial services industry experience, having previously served in management and leadership positions at US Leasing (a Ford Financial Services Company), Deloitte, DHR International and Ernst & Young.

Russi has a bachelor’s degree in managerial economics from the University of California at Davis. He is a certified public accountant and is Six Sigma certified.

Denise Brown | Chief Risk Officer, Veritas Auto Finance

Denise joined Veritas Auto Finance in 2016 as Chief Risk Officer, bringing 30 years of leadership experience to the role. Just prior, Denise spent 8 years as Chief Credit & Risk Officer at Harley-Davidson Financial Services with key leadership responsibilities including strategy, business intelligence, technology, enterprise risk, decision analytics, and credit risk management for global consumer and commercial loans, credit cards, and insurance products; she also was a member of the International Credit Committee and Compliance and Ethics Committees of Harley-Davidson.

Denise was Chief Risk Officer at Merrill Lynch Business Financial Services, a small business lender, a founding member and Director of Risk Management & Compliance for Merrill Lynch Capital, a startup middle market lender, and head of Credit Risk and Compliance for Transamerica Bank. In a total of 14 years at GE Capital, Denise held a variety of roles in auto, credit cards, and insurance including credit, risk management, pricing, policy, operations, M&A, and technology; notable accomplishments include pioneering the first automated credit decision models in US auto leasing, and leading country teams to establish GE Global Consumer Finance in Europe and Asia.

Since 2015, Denise has acted as Chair of the AFSA Vehicle Finance Credit Risk Management Committee. Denise is a member of the Chicago Finance Exchange, The Executives Club of Chicago, and is an Advisory Board Member of The Salvation Army of Metropolitan Chicago. She holds a GE Six Sigma Black Belt, and is a graduate of Northwestern University with a degree in Economics.


Amy Crews Cutts | Senior Vice President and Chief Economist, Equifax

Amy Crews Cutts joined Equifax as Chief Economist in March, 2011. A recognized industry expert, Cutts brings to her role over 20 years of economic analysis and policy development experience. As Chief Economist, she is responsible for analytics and research relating to the consumer wallet – assets, income, credit, and spending along with macroeconomic factors affecting the consumer. She is also responsible for macroeconomic forecasting and the economic analysis of employment and wage trends, home equity and real property, and small business credit trends.

Prior to joining Equifax, Cutts served for eight years as the as the Deputy Chief Economist at Freddie Mac, where she was responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting, and was involved in the analysis of affordable lending activities, fair-housing policy, foreclosure prevention, credit scoring, and other policy issues affecting housing and mortgage markets. Often quoted in national print and broadcast media, Cutts has also published numerous studies in academic journals and books on such topics as the economics of subprime lending, the impact of technology on foreclosure prevention, and drivers of strategic mortgage default.

Prior to joining Freddie Mac in 1997, Cutts was Assistant Professor of Economics and Senior Researcher in the Maxwell School for Citizenship and Public Affairs at Syracuse University, where she did research on housing policy, income distribution and poverty. Cutts has also taught in the McDonough School of Business at Georgetown University, the Institute for Policy Studies at the Johns Hopkins University, and the University of Virginia.

Cutts sits on the policy advisory board of The Reinvestment Fund, Philadelphia, PA and the advisory board for Equibid Inc., Dana Point, CA. She has served on the board of directors of the American Real Estate and Urban Economics Association, and is a past chair and founding member of the AREUEA Women in Real Estate Network. From 2011-2013 she was a member of the editorial advisory board for DS News. She is also on the board of directors of the International Conservatory of Music, Washington, DC, and since 2006 she has served as the Executive Director for the ICM’s Beatty Music Scholarship Competition for Classical Guitar.

Cutts holds a Master’s and PhD in Economics from the University of Virginia and a Bachelor’s degree in Applied Mathematics from Trinity University in San Antonio, TX. In 2015 she became a Certified Business EconomistTM, a distinction of professional achievement from the National Association for Business Economics.


Jason Laky | Senior Vice President, Financial Services, Consumer Lending Business Leader, TransUnion

Jason Laky is the business leader for consumer lending within TransUnion’s Financial Services vertical. He is responsible for the strategy, market planning and financial performance of the consumer lending line of business, which includes personal, student, and retail installment lending. Prior to joining TransUnion in 2009, Jason held positions at HSBC Auto Finance and Booz Allen Hamilton, where he engaged in business unit strategy, product management, market development, and credit operations. In addition, he served as an officer in the United States Army. Jason holds a bachelor’s degree in Computer Science from Southern Methodist University and an MBA from the Kellogg School of Management at Northwestern University.


Melinda Zabritski | Senior Director, Automotive Credit, Experian Automotive

Melinda Zabritski is Senior Director for Experian Automotive’s financial solutions team where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also manages the business unit’s thought leadership efforts.

Throughout her career with Experian, Zabritski has overseen the product management for Experian Automotive’s lending channel as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Additionally, she serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends.

Prior to joining Experian in 2004, Zabritski spent eight years in various product management and analyst positions within the credit industry, including management and development of credit risk models and market trending tools.

Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, Ariz., and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, La.

Jim Carroll | Futurist

Jim Carroll is one of the world’s leading international futurists, trends and innovation experts, providing strategic guidance and insight to some of most prestigious organizations in the world for over twenty years. He is recognized worldwide as a “thought leader” and authority on: global trends, rapid business model change, business transformation in a period of economic uncertainty and the necessity for fast paced innovation.

He has a track record of inspiring organizations to reframe the opportunity for innovation in the context of significant, transformative change. The PGA (Professional Golf Association of America) selected Carroll to open their 94th Annual General Meeting for his message on future trends and innovation, the first time in their history that they have ever featured an external speaker for their AGM. When the Walt Disney Corporation needed to inspire senior staff on the topics of innovation and creativity, they brought in Carroll. The US National Recreation and Parks Association had Carroll open a conference for 4,000 recreation professionals to inspire them to reframe the context of recreation in the 21st Century. The Swiss Innovation Forum featured Carroll as their closing keynote speaker, delivering a message of the hope and opportunity that can come from being relentlessly focused on innovation.

Carroll’s global client base is extensive. It includes organizations such as: the National Australian Bank, Diners Club, H Heinz, PPG, the Minnesota HealthCare Association CEO Summit, Toshiba Australia, Blue Cross Blue Shield, Nort Grumman, Missouri Governor Economic Development Congress, Johnson & Johnson, Signature Travel, Microsoft, & Young, US National Recreation and Parks Association, Burger King, Rockwell Collins, Oracle, Illinois Governors Tourism Conference, US Navy, Marine, Air Force Child Youth Programs, Nestle, the Swiss Innovation Forum, Read Digest Food & Entertainment Group, Motorola, KPMG, World Congress on Healthcare Innovation & Technology, Yu Brands (KFC, Taco Bell, Pizza Hut), Towers Perrin, British Broadcasting Corporation (BBC), Swiss Innovation Forum, Property & Casualty Insurance Association of America, World Congress on Quality, SAP Sweden, American Community Bankers, Providence Health Plans, Fidelity Bank (Cayman) Ltd, Verizon, Sporting Goods Manufacturers Association, American Express, Taiwan Semiconductor Manufacturing Company to name but a few. Hundreds of thousands have shared his insight with highly energized presentations in Zurich, New York, Vancouver, Cayman Islands, Palm Springs, Sydney, London, Los Angeles, Budapest, Miami, Toronto, Costa Rica, San Francisco, Nassau and Stockholm.

Carroll is an author, columnist, media commentator and consultant, with a focus on linking future trends to innovation and creativity. He has a 20-year track record in providing direct, independent guidance to a huge, diverse global client base, combined with a previous professional financial background, including 12 years with the world's largest professional services firm. Carroll provides high energy keynotes for audiences of 5,000, or intimate, detailed customized strategic planning sessions for CEO / board / senior management meetings. He has researched key innovation success factors for dozens of associations, professions, companies, individuals and industries including life sciences, health care, insurance, automotive, manufacturing, agriculture, technology, education, government, consumer products, retail, banking and countless others.

His insight has been recently covered in the UK Telegraph, Dubai’s Capital Magazine and South Africa’s The Star newspaper. BusinessWeek named Carroll as one of four leading sources for insight on innovation and creativity; he was a feature expert on the prime time CNBC series, The Business of Innovation, hosted by Maria Bartiromo. Credit Suisse profiled Carroll in their global customer publication Bulletin, noting that he provides "unique insight on growth."


Andy Hinrichs | President and CEO, AutoGravity Corporation

Andy Hinrichs is the Chief Executive Officer of AutoGravity and a member of its Board of Directors. An accomplished entrepreneur and seasoned executive, Hinrichs is the visionary behind AutoGravity, building a diverse team of innovators to reinvent car financing for millions of car buyers. Throughout his 20-year financial services career in the U.S., Europe and Asia, Hinrichs has started businesses and led digital initiatives on a global scale. Prior to founding AutoGravity, Hinrichs had profit and loss responsibilities for various Daimler Financial Services markets in Asia, where he tripled the volume of assets under management. Previously, Hinrichs served as Vice President of Marketing for Mercedes Benz Financial Services USA. Hinrichs holds a bachelor’s degree from Pforzheim University in Germany and an MBA from the University of Louisville.


Albert Ma | Chief Information Officer and Vice President, Toyota Financial Services

Albert Ma is Chief Information Officer and Vice President for Toyota Financial Services (TFS).

Ma joined TFS in November 2015, and leads the Business Technology Solutions (BTS) department. He is responsible for defining and driving an information technology agenda that supports business performance and enhances the customer experience. These responsibilities include overseeing the management of existing technologies, development of new technologies and innovative solutions, and insuring appropriate value for IT spend. Ma is also a member of the TFS Management Committee. He reports to Julia Wada, Group Vice President of Human Resources, Business Technology Solutions, Real Estate & Facilities.

Ma began his Toyota career at Toyota Motor Sales (TMS) – first, as a Business Analyst in 2001, and then as a Senior Business Analyst from 2002 to 2004.

In 2004, Ma began his role as IT Strategy & Project Management Office (PMO) Manager.

He was promoted to IT National Manager, Office of the CIO, in 2007, and served in this capacity until 2010, when he became Divisional Information Officer, Toyota After Sales Channels.

Prior to his work with Toyota, held a number of research and project management positions within L. Kee & Company and the Glaucoma Research & Education Group.

Ma’s work has been recognized repeated over the years. In 2012, he received the Ones to Watch Award from CIO magazine, for outstanding achievement and leadership accomplishments. Ma was also awarded the Top 100 Award from CIO magazine in 2011, for Product Quality Analytics; and again in 2014, for Service Lane Portal. Ma received a bachelor’s degree in Biological Sciences from Stanford University, and a Masters in Business Administration from the University of Southern California in Los Angeles.


Raj Sundaram | EVP & Chief Client Success Officer, Cox Automotive

Raj Sundaram is Chief Client Success Officer at Cox Automotive. Sundaram had been with Dealertrack since 2006, where he had been Co-President since November 2014. During his tenure at Dealertrack, Sundaram served in numerous roles, including Executive Vice President, Group President and Senior Vice President of Dealer Solutions and Senior Vice President of the Solutions and Services Group.

Previously, Sundaram was President of Automotive Lease Guide Inc. and Automotive Lease Guide LLC from 2002 until its acquisition by Dealertrack in 2005, where he continued to hold those positions until 2006. He was Senior Manager of Strategic Planning and Pricing at Nissan North America Inc., from 1997 to 1999, and held various positions in financial planning with the Infiniti division from 1994 to 1997. Sundaram held roles in the controller’s office of the Ford Division of Ford Motor Company from 1991 to 1994.

Sundaram holds a Bachelor of Science and a Master of Science in Accounting from the University of Mumbai in India and an MBA in Finance from Lehigh University.

Anil Goyal | SVP, Automotive Valuation and Analytics, Black Book (Credit Risk Committee)

Anil Goyal is the Senior Vice President of Automotive Valuation and Analytics at Black Book. Anil oversees the final published values and an industry experienced team of editors and data scientists. Anil is responsible for the editorial and analytic operations at Black Book for all market segments including Canadian market values.

Anil publishes a weekly report “Black Book Market Insights” that highlights analysis and commentary on used vehicle market trends. He often speaks to several industry publications regarding trends and analysis in the automotive industry.

Anil has a Ph.D. in Decision Sciences and an M.S. in Operations Research from Rensselaer Polytechnic Institute, in addition to a Bachelor’s Degree from Indian Institute of Technology.


Jim Houston | Senior Director, Auto Finance, JD Power (Vehicle Commercial Credit Committee)

James Houston is Senior Director, Automotive Finance Practice at J.D. Power. He is responsible for leading and directing the practice in providing the auto finance industry with Voice of the Customer data and insights into the current market and future trends.

Mr. Houston joined J.D. Power in 2016, bringing with him nearly 30 years of experience in the auto finance business, most recently at TD Auto Finance. There, he was head of major account strategy; data governance and business intelligence; fair lending; and pricing and program development. Prior to TD Auto Finance, Mr. Houston was senior manager of marketing operations and acquisition strategies at Chrysler Financial, where he directed the activities and performance of field sales operations; pricing and program development; portfolio systems and support; reporting and business intelligence; and Chrysler Reward Visa. Previously, he was vice president of national accounts at Chase Automotive Finance and senior vice president of the Midwest region at Bank of America Auto Group.

Mr. Houston received a bachelor’s degree in business administration from Central Michigan University.


Stefanie Jackman | Partner, Ballard Spahr (Operations & Regulatory Compliance Committee)

Stefanie H. Jackman is a partner in Ballard Spahr’s Consumer Financial Services, Mortgage Banking, and Commercial Litigation groups. She is also a member of the firm's Collection Documentation, Fair Lending, and Marketplace Lending Task Forces. Ms. Jackman’s practice focuses exclusively on complex litigation and compliance advice relating to all areas of federal and state consumer financial services laws, including UDAAP, TILA, FDCPA, and FCRA. In addition, Ms. Jackman regularly performs compliance assessments and mock regulatory examinations for lenders and their service providers to identify potential gaps and areas for improvement within their compliance management systems.


Dawn Martin Harp | Head of Dealer Services, Wells Fargo Dealer Services (Women's Leadership Council)

Dawn Martin Harp is the head of Wells Fargo Dealer Services, the nation’s second largest auto finance lender, offering an integrated financial solution for the auto industry. She is responsible for the strategy, growth, and profitability of Indirect Auto Finance, Commercial Services, and Reliable Financial. Wells Fargo Dealer Services has relationships with over 14,000 automobile dealers and serves 3.9 million customers. Dawn is a member of the Wells Fargo management committee.

Previously, Dawn served as Chief Operating Officer for Wells Fargo Dealer Services from 2006 to 2011. From 1999 to 2006, Dawn served as Chief Information Officer with WFS Financial and she was the director of network computing with WFS Financial from 1997 to 1999. Wachovia acquired WFS Financial in 2006 and then merged with Wells Fargo in 2008.

Dawn spent 10 years as System Integration Officer with American Savings Bank and managed corporate automation and retail banking projects. She also held management positions with Imperial Automation, On Line Computer Systems, and The Coding Factory.

With more than 30 years of experience in auto finance and technology, she is a strategic leader skilled in guiding large organizations through change. Team member engagement, accountability, customer centric focus, and collaborative inclusion are the hallmarks of her leadership style.

She currently serves as a board member of the American Financial Services Association and is a member of the organization’s Auto Finance Board and Women’s Leadership Council. In addition, she is a member of the Consumer Lending Group Diversity and Inclusion leadership committee.


Heather Neary | President, Auntie Anne's (Women's Leadership Council)

Heather Neary was named President of Auntie Anne’s in November 2015. Heather joined Auntie Anne’s in 2005 and has held various roles in the company in which she was responsible for the oversight of marketing, communications, the franchise business consultant team, research and development, product innovation, and the franchisee leadership team. Most recently, Heather served as Vice President, Global Marketing. Prior to joining Auntie Anne’s, Heather held roles in marketing and as a managing editor for a business magazine. Heather received a B.A. from Millersville University and an M.B.A. from Penn State University. She serves on the Board of Directors for the Lancaster YMCA and the Board of Advisors for Penn State Harrisburg.