Danielle is in charge of the American Financial Services Association’s State Government Affairs Department, which manages state legislative and regulatory issues for members across a broad spectrum of the consumer credit industry, including payment cards, vehicle finance, traditional installment loans and mortgage lending / servicing. State Government Affairs is in constant development of talking points, briefing materials, white papers, a multitude of 50-state surveys, municipal tracking and other issues management materials. The Department also provides Activist Watch, a monthly snapshot of financial services-related activities of prominent activist groups. AFSA engages in direct advocacy at the state level, as directed by its membership. AFSA State Government Affairs provides its members with regular ongoing reporting on new and moving legislation through direct intelligence and AFSA*track, the Association’s legislative tracking system. State Government Affairs also facilitates ongoing subcommittee discussion on priority industry issues. Danielle acts along with her federal colleague as counsel to the Association, and is responsible for the Payment Card and Vehicle Finance sections of the Law Committee. Prior to joining AFSA in 2003, Danielle was Director of Government Affairs and Legislative Counsel for credit card issuer Metris, where she headed up all political affairs for the company, quadrupled PAC participation, and created the Company’s new law compliance program. Prior to Metris, she was associate with two Washington, D.C. law firms – Venable LLP and O’Connor & Hannan LLP, where she represented banks and major U.S. financial institutions, lobbying on their behalf in Congress on consumer privacy, credit reporting, bankruptcy, telemarketing, antitrust, the Gramm-Leach-Bliley Act, and other legislative initiatives. She also assisted Fortune 500 corporations in various industries with government ethics compliance. Danielle holds a B.A. in Politics and Government from the University of Puget Sound in Tacoma, Wash., and earned a J.D cum laude from American University in Washington, D.C. She is admitted to the bar in Maryland (inactive), Washington, D.C. and Minnesota. She is based in Minneapolis.

Ryan Bachman has been Senior Vice President, Global Chief Information Security Officer at GM Financial since January, 2017. Reporting to the CEO, Bachman provides executive leadership of global cybersecurity strategy, operations, and compliance. Prior to joining GM Financial, Bachman served as a Director spanning PricewaterhouseCoopers and Deloitte where he specialized in Cybersecurity, Technology, and Operations Management. Providing 12+ years of management consulting services to more than 75 Fortune 500 companies spanning the Financial Services, Aerospace and Defense, Retail, Government, Energy, and Technology sectors, he served in executive leadership roles including Chief Information Security Officer, Chief Information Officer, and advisor to executive management and boards of directors on matters pertaining to cybersecurity, information technology, operations management, fraud analytics, back office operations, regulatory and compliance, and post-merger and acquisition integration. Prior to his consulting role, Bachman led the Information Security, Privacy, and Data Governance Organizations of a large broker dealer and bank reporting to the COO. Bachman began his career as a software application developer for a global telecommunications company.Bachman majored in Management Information Systems (MIS) and holds a Bachelor of Science in Business Administration (B.S.B.A.) from Saint Louis University.He also achieved the following professional certifications: Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA), and Certified Anti-Money Laundering Specialist (CAMS).

Alex Maritczak is a Global Auto Finance Advisory Services Practice leader for EY with over 20 years of industry and consulting experience in the financial services and automotive industries. He has extensive experience in innovating business practices, leading transformational change and improving organizational and business unit profitability. Alex has varied industry and consulting experiences across multiple disciplines including business strategy, digital strategy & innovation, customer experience strategy and design, financial and operational planning and analytics, and business process excellence.

Lou joined Equifax Automotive Services with 20 years of experience in the automotive industry. In his role, he is responsible for the team of auto industry veterans tasked with helping auto lenders and auto dealers grow while minimizing expense and controlling risk.

Prior to joining the company, he was a co-founder and served as chief marketing officer for Global Lending Services, a national non-prime auto finance company. Prior to GLS, Lou was the head of Lender Solutions at Black Book, responsible for developing products, data and analytics for auto lenders. Prior to that, he was VP- head of Marketing & Business Development and the Central Direct to Consumer department while at Wells Fargo Auto Finance.

Lou is very active in the industry, speaking at conferences and serving on the boards of industry associations including as past President of the National Auto Finance Association. Lou earned his MBA in Marketing from Drake University and a bachelor’s degree in Marketing from the University of West Georgia, where he currently sites on the Board of Advisors for the Richards School of Business.

Executive leader with unique ability and experience to drive transformational change in both business and technology leadership roles. Passionate, results-driven leader with solid track record of delivering large-scale, complex and multi-million dollar strategic initiatives.

Boulton Fernando is the Chief Information Security Officer (CISO) at Toyota Financial Services (TFS) and Deputy Group CISO for global TFS. In this capacity, Boulton and his team manage all facets of Information Security in the United States and provide leadership, direction and security services to fellow Toyota Financial Services affiliates across the globe. He is an expert in establishing and leading information security programs in large, multi-national organizations. He provides executive counsel, strategic frameworks and direction for domestic and global risk arenas. Boulton is an effective self-motivated innovator charged with driving complex business solution across dynamic and highly regulated environments.

Rex Ellison, President and Chief Executive Officer, joined the Republic Finance team in 2001 and has served in the Consumer Finance industry for more than thirty years. Rex has extensive experience in Operations, Management and Marketing, having served prior to Republic Finance as the Senior Vice President and Division Manager as well as Senior Vice President of Corporate Marketing at Wells Fargo Financial. Currently, Rex serves on the Independent’s Advisory Board for American Financial Services Association as their Ex-Officio/past chairman, is a member of National Installment Lenders Association, is President of Mississippi Consumer Finance Association, is Chair-Elect of Louisiana Finance Association and is a member of all our state finance associations. In addition, he serves as a board member and past Board President of Juvenile Diabetes Research Foundation for Louisiana. A native of Iowa, Rex received his bachelor’s degree from the University of Northern Iowa with a major in Financial Management and a minor in Economics. Rex is humbled to be the CEO of some of the most passionate, smart and dedicated personnel in the Consumer Finance industry. He believes that the way the company’s team members serve its customers, fellow employees and communities defines its brand, and that Republic Finance is truly more than just consumer loans.

Mr. Baines has more than 20 years of diversified business, economic, and quantitative analysis experience. He is a leading expert in the retail automotive industry, consumer finance, and indirect lending and has testified on related issues. Mr. Baines has assisted numerous indirect lenders design and implement fair lending monitoring programs. He has assisted numerous manufacturers on issues related to the distribution and sale of automobiles, including complex class action litigations alleging diminution of value, breach of contract and discrimination. Mr. Baines has assisted manufacturers and their captive finance arms in dealer disputes related to dealership failures, terminations and add points. Additionally, he has worked with legal counsel for manufacturers and the captive finance arms facing potential enforcement actions by the DOJ, CFPB and FTC. His work has generally involved analysis of economic and financial condition, development of financial and econometric models, evaluation of financial performance, the evaluation of consumer credit lending practices, the study of underlying information systems, and the migration and development of large analytic databases. This work has been performed for the purpose of improving financial management and reporting, evaluating financial and operational decisions, and determining liability and damages in adversarial proceedings. Mr. Baines has a BA Economics from the University of North Carolina at Chapel Hill and an MS Economics from the University of North Carolina at Charlotte.

Colin Maddocks is the Chief Financial Officer of Mazda Motor Europe. Colin started at Mazda in 2005 as Director Network Development and Financing. In 2009, he became Director Financial Services. Since then, he was responsible for the company’s new financial services strategy, focusing on relationships with bank partners. Since 2014, Maddocks is part of the company’s executive team. In his new position he will report to the President and CEO of Mazda Motor Europe, Jeff Guyton. “Colin brings a wealth of experience in dealer network development, finance and business strategy to his new role”, says Jeff Guyton, President and CEO of Mazda Motor Europe. “He is the ideal candidate to take over from Steve Robertson.

Steve Chaouki joined TransUnion in June 2008. He is charged with managing the Financial Services business including banks, credit unions, capital markets, financial services resellers, auto lenders and all other Financial Services customers. Steve also leads TransUnion’s B2B digital business. Before joining TransUnion, he held a variety of roles at HSBC within Card and Retail Services as well as Auto Finance. Most recently, he was senior vice president of alternative channels overseeing the originations of more than 1 million new credit card customers per year and managing a portfolio of more than 4 million customers. Before HSBC, Steve was a strategy consultant with Booz Allen Hamilton. He holds a BSBA from Boston University and an MBA from the University of Chicago.

#1 Best Selling Author and Motivational Speaker Erik Qualman has given presentations in over 50 countries and reached 25 million people this decade. His Socialnomics work has been on 60 Minutes to the Wall Street Journal and used by the National Guard to NASA. His book Digital Leader propelled him to be voted the second Most Likeable Author in the World behind Harry Potter's J.K. Rowling. What Happens in Vegas Stays on YouTube helped Qualman be listed by Forbes and Fortune as a Top 100 Digital Influencer. His business books are used in over 200 universities and he has received an honorary doctorate for his groundbreaking work.

Since 2010, Porrello has served as managing director of the auto lending organization, where he oversees day-to-day operations and 180 professionals serving nearly 4,500 dealerships across 23 states in the Midwest and New England. As president, Porrello will continue these duties as well as assume oversight of business strategy. Porrello joined Huntington’s auto lending organization nearly 30 years ago and has held a variety of progressive leadership positions, including sales, credit administration, compliance, collections and underwriting. The business has grown to be prominent among lenders nationally, with an $11.6 billion portfolio that ranks 15th in loan production according to recent Experian data.

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.

Charles Jones is the Head of National Indirect Lending and leads the Dealer Financial Services Line of Business. This includes responsibility for helping auto dealers in twenty-one states and the District of Colombia with their retail indirect auto lending needs. In addition, he has responsibility for Marine/ RV lending within SunTrust Banks, Inc.Charles joined SunTrust in December 2014, but is an experienced Consumer Executive that started his career in January 1982. Most recently, Charles was founder and President of Strategic Automotive Consultants, L.L.C. from 2013-2014. Prior to that, he was a Senior Vice President, Indirect Production Manager for Wells Fargo Dealer Services from 2007-2013. Charles also served from 2002-2007, as Senior Vice President/Division Manager for Wells Fargo Dealer Services. He has worked at CitiFinancial, Bank One, First City, and other institutions in various roles including compliance, and different lending roles in his career. Charles graduated from Sam Houston State University with a BBA in Finance in 1981. In 2011, he was inducted into the Hall of Honor for the College of Business Administration at Sam Houston State. Charles and his wife have sponsored 110 scholarships since 2002 at Sam Houston State and other universities to help first generation students achieve their educational goals. He currently serves on the AFSA Board of Directors, Vehicle Finance and Vehicle Credit Risk Committees, and Dahlonega-Lumpkin Co. Chamber-Visitors Board of Directors and Government Affairs Committee. He serves on the Advisory Council for the College of Business Administration for Sam Houston State University. Additionally, Charles serves on the CBA Auto Finance Committee. He and his wife Debbie reside in Dahlonega, Georgia and have one daughter Lauren who is age 32.

Ian is an experienced and successful Senior Executive with over 20 years’ experience of leading organizations and businesses in five different countries; Brazil, Canada, Germany, USA and UK. Enthused about driving change to improve business performance and the customer experience through business transformation. An ethical and principled based leader with a passion for developing leaders and people. Since joining BMW Group in Canada in 1999, Ian has held a number of Senior Executive positions. He is currently the President & CEO BMW Group Financial Services USA and Region America’s which is responsible for the North, Central and South America markets with a regional asset portfolio of over $50 billion. Ian has been responsible as the CEO and head of BMW Group Financial Services in four markets and has spent time in the Munich BMW Headquarters where he was responsible for the global business development and business strategy for the Financial Services business.

David McClelland is chief executive officer, Ford Motor Credit Company, and a vice president of Ford Motor Company, effective March 1, 2018. McClelland has global responsibility for Ford Credit, a leading financial services business that provides dealer and customer financing and service in support of Ford vehicle sales around the world. Prior to this role, McClelland was Ford Credit executive vice president of Marketing and Asia Pacific, overseeing global marketing and Ford Credit’s business in China and India, as well as support of Ford sales across Asia Pacific. Previously, he was Ford Credit vice president of Global Marketing and vice president of Quality and Process Management, responsible for global quality and technology applications. He also has been instrumental in Ford Credit’s move into new financial technology and mobility initiatives. McClelland joined Ford Credit in 1993. He served in various positions within Ford Credit Britain marketing, branch and sales and service operations. He also held leadership positions globally including managing director of Ford Credit Italy, sales director of Ford Credit Britain and managing director of Ford Credit South Africa. McClelland holds a bachelor’s degree in physiology from the University of Newcastle Upon Tyne and a master’s degree in business management from Henley Management College, both in the United Kingdom. Born in 1969, he is married and has a son.

Charles W. "Charlie" Gilchrist is president of Gilchrist Automotive, which started with SouthWest Ford in 1986 and now encompasses 10 individual New Vehicle franchise dealerships in the greater Dallas Fort Worth metroplex. He started in the automotive business as controller of a heavy-truck store, then was general manager of two Ford dealerships, SouthWest Ford and Nichols Ford. Gilchrist is 2018 vice chairman of the National Automobile Dealers Association and represents Northern Texas's franchised new-car dealers on the board of directors. (Term: January 2014-January 2020).

Hannah Lutz edits and develops stories for the Automotive News finance and insurance beat which includes a weekly F&I newsletter, monthly pages for print and a quarterly themed section. This year, the quarterly F&I sections won Lutz and her team a gold Azbee award from the American Society of Business Publication Editors. She also covers the retail beat, highlighting industry trends and covering public dealership groups, such as AutoNation Inc. and Group 1 Automotive.

Tony Hughes is a Managing Director at Moody’s Analytics. As the head of specialized modeling, he leads a team of high caliber modelers to develop innovative solutions that serve the financial services industry, while managing large projects for major banks and other lending institutions worldwide. Prior to this appointment, Dr. Hughes led the Consumer Credit Analytics team for eight years from its inception in 2007. His first role after joining the company in 2003 was as lead economist and head of the Sydney office of the company Moody’s Economy.com. An applied econometrician, Tony recently introduced a solution that provides forecasts and stress scenarios for used car prices at the make/model/year level (AutoCycle) and a methodology for stress testing a bank’s deposit book. He also proposed the methodology behind Moody’s Analytics retail lending risk solutions, CreditCycle and CreditForecast.com 4.0, initiated the construction of Moody’s Analytics Auto Portfolio Analyzer (ABS) and developed the pilot version of the Moody’s Analytics Stressed EDF module for CreditEdge for public firm credit risk. An experience speaker, Dr. Hughes has presented at industry conferences, Moody’s Analytics events and for clients worldwide. His work has been published widely, both in industry publications such as American Banker, Nikkei, GARP and the Journal of Structured Finance as well as several papers in peer reviewed academic journals. He obtained his PhD in econometrics from Monash University in Australia in 1997. A native of Australia, Tony is currently based out of Moody’s Analytics London office after spending 10 years in the U.S. heading up their consumer credit analytics division.

Mike Stanton serves as NADA’s Senior Vice President and Chief Operating Officer, working across the organization on strategic and operational issues, as well as development of new business opportunities. Mr. Stanton also oversees IT, Economics and Data Analytics and Affinity Programs. Mr. Stanton rejoins NADA from the NADA Used Car Guide, which was sold to J.D. Power in 2015. Prior to its acquisition, Mr. Stanton was the Vice President & Chief Operating Officer of the Used Car Guide. Mr. Stanton also served as an Executive Director of Industry Affairs for NADA, where he served as the association’s primary liaison between automotive manufacturers and dealers. Prior to NADA, Mr. Stanton worked for two automobile manufacturers primarily assisting dealers with their sales and service operations.Mr. Stanton received a bachelor’s degree in political science from James Madison University and an MBA from Virginia Tech.

Scott Zoldi is chief analytics officer at FICO, responsible for the analytic development of FICO's product and technology solutions. While at FICO, Scott has been responsible for authoring 80 analytic patents, with 40 patents granted and 40 in process. Scott is actively involved in the development of new analytic products and big data analytics applications, many of which use new streaming analytic innovations such as adaptive analytics, collaborative profiling and self-calibrating analytics. Scott currently focused on the applications of streaming self-learning analytics for real-time detection of cybersecurity attacks. Scott serves on two boards of directors, Software San Diego and Cyber Center of Excellence. Scott received his Ph.D. in theoretical and computational physics from Duke University.

Paul Ballew is Vice President and Global Chief Data & Analytics Officer, Ford Motor Company, effective June 1, 2017. At the same time, he also was elected a Ford Motor Company officer. In this role, he leads Ford’s global data and analytics teams for the enterprise. Previously, Ballew was Global Chief Data & Analytics Officer, a position to which he was named to in December 2014. In this role, he has been responsible for establishing and growing the company’s industry-leading data and analytics operations that is driving significant business value throughout the enterprise. Prior to joining Ford, he was Chief Data, Insight & Analytics Officer at Dun & Bradstreet. In this capacity, he was responsible for the company’s global data and analytic activities along with the company’s strategic consulting practice. Ballew sits on the boards of Neustar, Inc. and Hyatt Hotels Corporation. He was born in 1964 and has bachelor’s and master’s degree in Economics from the University of Detroit.

Ethan Dornhelm is a Vice President in the Scores and Predictive Analytics unit at FICO. Mr. Dornhelm is currently responsible for the analytic development of FICO® Scores globally, as well as the research and development of new products and services within the Scores organization. He has spent much of his 18 years at FICO supporting the technical redevelopment, maintenance and analytic support of FICO® Scores in North America. Prior to joining FICO, Mr. Dornhelm served as a Director in the risk management group at American Express. Ethan graduated from U.C. San Diego with a B.S. in management science/operations research.

Ryan is the Chief Scientist for Leidos public health products and solutions organization and plays a significant role in applying Leidos offerings across our health and life sciences portfolio to drive transformation for our customer’s. Ryan also serves as the product manager for the Leidos Collaborative Advanced Analytics and Data Sharing (CAADS) platform, which is a fully scalable and secure data analytics and decision support platform. This solution has been implemented across the globe in several market segments including: Civil, Defense and Intelligence, and most importantly Health. Ryan has led the delivery of our CAADS solution for health customers around the world allowing them to instantly gather information from disparate sources and translate it into actionable information.

The result is improved clinical decision support, quality of care and significant cost savings for health customers and systems. Ryan has nearly 20 years of experience in analytics and bioinformatics, is extensively published, and regularly presents innovative solutions at key healthcare conference and events that address challenges faced by national, public and private healthcare organizations. Ryan previously served as the Program Manager in support of the CDC’s Office of Infectious Disease, Bioinformatics and Data Analytics effort. In Ryan’s role as Chief Scientist, he participates in the Leidos’ mentoring program for small companies and academic groups looking move good ideas and promising early stage products from concept to realization in order to address critical healthcare challenges around the world. Ryan received a BS in Microbiology from Texas A&M College Station and a Ph.D. in Molecular Biophysics from UT Southwestern Medical Center in Dallas.

He left the commercial sector in 2008 redirecting his technical talents to support public health organizations. Ryan currently lives in Atlanta with his wife and daughter. Ryan is also an accomplished horticulturist and is presently mentoring a group of college students who are developing a wearable device to facilitate the call for help following unintentional poisonings, which is intended to address one impact of the opioid epidemic.