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.

Larry Hund is the President and Chief Operating Officer of Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc. A 30-year financial services veteran, Larry has held a wide range of executive roles throughout his career. Upon joining HDFS in 2002, he served as Vice President of Operations and Chief Financial Officer and was also Interim Chief Operating Officer from July 2006 to January 2007. Larry left HDFS in 2007 to join a start-up finance company and rejoined HDFS in June 2009. Earlier, he 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 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. He serves as a member of the Board of Directors of the American Financial Services Association and the Board of Managers of the YMCA of Metro Chicago.

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.

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.

Larry Hund is the President and Chief Operating Officer of Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc. A 30-year financial services veteran, Larry has held a wide range of executive roles throughout his career. Upon joining HDFS in 2002, he served as Vice President of Operations and Chief Financial Officer and was also Interim Chief Operating Officer from July 2006 to January 2007. Larry left HDFS in 2007 to join a start-up finance company and rejoined HDFS in June 2009. Earlier, he 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 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. He serves as a member of the Board of Directors of the American Financial Services Association and the Board of Managers of the YMCA of Metro Chicago.

Author and motivational Speaker Erik Qualman has performed in over 50 countries and reached 25 million people this decade. His Socialnomics work has been featured on 60 Minutes, the Wall Street Journal and used by the National Guard and NASA. His book Digital Leader propelled him to be voted the 2nd Most Likable 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.

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.

Dr. Amy Crews Cutts joined Equifax as senior vice president and chief economist in March, 2011. A recognized industry expert, Cutts brings to her role over 25 years of economic analysis and policy development experience. As Equifax 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.

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. In 2015 she won the Pulsenomics® Crystal Ball Award for Outstanding Performance in The Zillow® Home Price Expectations Survey for her forecast accuracy and is a participant in the Wall Street Journal’s Monthly Survey of Leading Economists.

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.

Prior to joining Equifax, Cutts served for eight years as the as the Deputy Chief Economist at Freddie Mac. 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. 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 National Business Economics Issues Council. 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 Marlow Guitar International, Washington, DC, and since 2006 she has served as the Executive Director for the MGI’s Beatty Music Scholarship Competition for Classical Guitar.

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.

Bill, was elected elected President of AFSA in October of 2018. In his tenure at AFSA, his federal government relations team have enhanced AFSA’s presence in the political debate affecting a number of issues that impact member companies’ ability to offer affordable credit options to American consumers. He has been called on to sit in the hot seat at the witness table in congressional hearings and has served as an industry spokesman on a number of pressing topics. Bill came to AFSA in 2004 from the U.S. Department of Housing and Urban Development, where he headed the congressional relations office. Prior to joining HUD, Bill was director of legislative affairs for BGR Holding, LLC, where he worked as a lobbyist for Haley Barbour, who went on to become governor of Mississippi. While on Capitol Hill, he served as tax counsel and legislative director for Rep. Jerry Weller of Illinois, as well as a senior legislative assistant with Rep. Charles Canady from Florida. Bill holds a bachelor’s degree from the University of Steubenville, a master’s degree from Dominican House of Studies, and a law degree from The Catholic University of America.

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.