About Stephen Alexander:
Stephen is Associate Director of Payment Solutions with Direct Brands, Inc, the largest direct-to-consumer distributor of media products in the United States, which operates iconic brands such as Book-of-the-Month Club, Doubleday Book Club, and Columbia House. He has been with Direct Brands for 9 years and currently oversees internal and external collections, including the vendor management function. Stephen is responsible for the internal customer bill treatments, as well as the external lettershop function. He also manages various recovery programs for all written-off accounts, ranging from primary through quad collection stages. Stephen is currently the Treasurer of the Direct Marketing Credit Association (DMCA) after serving 4 years as the DMCA President. Prior to joining Direct Brands, Inc., he worked at Publishers Clearing House in the Fulfillment Operations Division. Stephen is a graduate of Long Island University, CW Post with a Bachelor's degree in Economics.

About Steve Antonoglou:
Steve is known as an imaginative leader in the credit and collection industry. He possesses deep expertise in retail rule and risk based strategic management. Steve has 15 years of experience across credit and collection in the telecom, energy and cable industry. Steve's in-depth knowledge and leadership style have made him invaluable to the organizations and people he leads. Currently, Steve oversees credit, collection and its respective vendor management at Direct Energy. Direct Energy is one of North America's largest competitive energy suppliers of electricity, natural gas and related services.

About Bob Belair:
Robert R. Belair is currently a privacy attorney for Arnall Golden Gregory LLP at their Washington DC office.

Mr. Belair is a founding partner of Oldaker, Belair & Wittie in Washington and served for many years as co-editor of the nation's pre-eminent privacy periodical for the business community, Privacy & American Business. Prior to that, Mr. Belair was a long-time partner in the Washington DC office of what is now K&L Gates. Mr. Belair served as Deputy Counsel to the White House Privacy Committee in the Ford Administration and as a lawyer in the Federal Trade Commission's Bureau of Consumer Protection, doing privacy related work. He later served as General Counsel of the National Commission on the Confidentiality of Health Records. Mr. Belair also served on the Senate Judiciary Committee Advisory Committee for then Chairman Joseph R. Biden, and as an adviser to Senator Robert F. Bennett's Health Privacy Task Force.
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Mr. Belair's privacy practice centers on the representation of privacy sensitive organizations with respect to credit and financial records, debt records, educational records, criminal records, medical records, employment records and telecommunications information. He has served as General Counsel to SEARCH, the National Consortium for Justice Information and Statistics and General Counsel to the National Commission on the Confidentiality of Health Records. He has also been chairman of an American Bar Association Privacy Committee. Mr. Belair also serves as Legislative Counsel to the DBA International. Mr. Belair has spoken and written widely on privacy and information law topics.

Mr. Belair's practice includes representation of clients before the courts, federal agencies, in particular, the Federal Trade Commission and the Congress. He has litigated numerous privacy and freedom of information cases, including serving as lead amicus counsel in the Supreme Court's 1989 landmark privacy and freedom of information and privacy decision, Reporters Committee for Freedom of the Press v. Department of Justice.

Mr. Belair has served as a legal consultant on privacy, freedom of information and information policy matters to numerous government agencies and commissions including the National Conference of Commissioners on Uniform State Laws, the National Academy of Sciences, the Office of Technology Assessment, the National Telecommunications and Information Administration, the Social Security Administration, the Department of Defense, the National Science Foundation, and the Federal Paperwork Commission. On the Hill, Mr. Belair has served on the Senate Judiciary Advisory Committee and the Senate Task Force on health privacy.

Mr. Belair received his law degree from Columbia University in 1973 where he was a Harlan Fiske Stone Scholar, a Charles Evans Hughes Scholar and Editor-in-Chief of the Columbia Human Rights Law Review.

About Angelika Bennett:
Angelika Bennett has worked in collections for over 20 years. In that time she has worked in all areas of first part collections: early & late stage, legal, repossession and foreclosure. She has also worked across many portfolios: unsecured, secured, credit and debit card, auto, real-estate and commercial. She is currently overseeing loss mitigation for Mortgage Servicing Collections at America First Federal Credit Union.

About Chris Bennett:
Chris Bennett is currently responsible for both credit underwriting and collections for all credit card accounts at BMW Bank of North America. He joined BMW in 2004. Prior to that, he had over 20 years of retail credit card experience covering all aspects of credit and collections. He developed training and incentive programs for new and experience collectors and built a legal collections department for a major regional department store. He has both Bachelor's and Master's Degrees in Business Administration and has taught Consumer Financial Education courses.

About Jay Cocchiara:
Jay is a graduate of Loyola University in New Orleans and an alumnus of the Graduate School of Banking of the South at Louisiana State University. He started his banking career 27 years ago at First Commerce Corporation in New Orleans, where he served in a variety leadership roles related to retail banking and lending. 11 years ago, Jay joined Bank One's auto finance team in Phoenix to establish centralized national operations for a number of specialty collections functions, including bankruptcy and recovery. He was also called upon to reengineer National Loan and Lease Servicing functions for Bank One's auto finance business.
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When JP Morgan Chase acquired Bank One in mid-2004, Jay developed and implemented integration strategies for the Chase and Bank One auto collections functions, and then took on his current role as manager of Chase Auto's National Recovery Group. In this role, his responsibilities include management of all post-charge off, bankruptcy, and other specialty collections functions. In early 2009, these responsibilities expanded in scope to include Chase Student Loans as well.

About Tara Cunny:
Tara Cunny began working at Volkswagen Credit in October of 2000. She is presently in the Risk Management Department in a bankruptcy role, and currently is the Manager of the Bankruptcy Portfolio. She is dedicated to her work and Volkswagen Credit. As an "ad hoc" project, she began searching for unclaimed funds. "I love to brag about the $200K I have recovered in escheated funds for Volkswagen."

Her career has always revolved around debt collections and bankruptcy: when she relocated to Chicago in 1999, she began working at a debt collection law firm which allowed her to attend §341 meetings and negotiate reaffirmations. Shortly thereafter she began working with Tom Vaughn, a Chapter 13 Trustee in Chicago as a §341 Hearing Officer and Senior Paralegal.
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Ms. Cunny is a born and raised a New Englander. She graduated from the University of New Hampshire in 1996 with a Bachelor's Degree in Political Science and shortly thereafter graduated from Franklin Pierce College with a paralegal certificate from an ABA accredited program.

About Brian Donahue:
Brian Donahue has 15 plus years of experience in the banking and financial industry. Brian recently joined BBVA Compass Bank in April of 2011 and his current role is Quality Analyst with Internal Collections and Recovery.
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Prior to joining BBVA, Brian held the position of AVP in Procurement/Outsourcing for Regions Bank from July of 2010 to April of 2011. His responsibilities with Regions Bank have included contract negotiations, collections, training and coaching Associates, auditing external vendors (including Collection Agencies, Attorneys, Auctions, and Repossession Agents), representing AmSouth and Regions in litigation/court cases, participating in Recovery Managers Forum (member of executive committee), interaction with Procurement/Risk Management and Tech Governance when adding external vendors, and the management of Agency relationships.

Brian's banking career began with collections positions with NationsBank and branch banking positions with NorWest Financial, Fidelity Financial and Wells Fargo Financial Acceptance. He has been involved in lending/underwriting, dealer finance, repossession, bankruptcy, and collections, as well as branch operations including training, sales, and cash balancing. Brian received his Bachelor of Science in Business Administration at University of North Carolina at Charlotte.

About Kelli Edmonds:
Kelli is a graduate of Emporia State University with a Bachelor's degree in Business Management. She started her career in the credit and collections industry in 1987 at Sallie Mae, holding various positions of increasing responsibility. Following her ten year tenure with Sallie Mae, Kelli completed the Management Development Program at GE Capital where she completed the GE Six Sigma Quality Green Belt certification and was responsible for the Customer Service division for GE's Consumer Direct Lending business. Prior to joining Bank One/Chase in 2003, Kelli worked at Citibank where she held several management positions within their CitiCards Recovery division.
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Kelli currently oversees the Outsource Recovery department at Chase Auto Finance, which is responsible for the outsourcing of auto finance deficiency, end-of-term lease, student loan and commercial accounts to collection agencies and law firms as well as portfolio asset sales.

About Bev Evancic:
Bev Evancic has almost 20 years experience in collection and recovery. She has managed all phases of collection and recovery operations, including automated dialer units, bankruptcy and legal units, skip tracing units, internal collections, outside collection agency networks, and Consumer Credit Counseling.

As a Consultant for Resource Management Services, Inc., Bev has spearheaded collection and recovery best practices reviews for many top credit grantors. Her articles on dialer operations, agency management and bankruptcy best practices have been widely publicized.

Prior to joining Resource Management Services, Inc. in 1995, Bev managed the Recovery Department for AT&T Universal Card Services where she reengineered the bankruptcy, probate, internal and litigation processes.

About Ken Evancic:
Ken Evancic is a collections veteran with over 20 years experience, managing more than 1200 collectors, and multiple portfolio types. He has managed all phases of collection, including all levels of delinquency, automated dialer units, early out agency management, recovery, and skip tracing. In addition to collections operations management, he has lead initiatives in the areas of performance management, collections strategy development, collector and manager training, collector desktop design, collections reporting systems, and risk and compliance.
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Prior to joining Resource Management Services, Inc. in 2011, Ken was a Sr. Vice President and Collections Director at Citi Cards. His responsibilities included the consumer and partnership credit card portfolios. In addition to this responsibility, Ken played the lead role in developing Citi's current collections performance management system. Prior to Citi, Ken worked at AT&T Universal Card where his career started as a collector and moved throughout collections with roles as a dialer operator, Front Line manager, and a Vice President Collections Operations manager.

About Teresa Granberry:
Teresa Granberry has worked in the Deathcare Industry for twelve years. Under her leadership as the Director of Contract to Cash Accounting for Service Corporation International, their recovery of delinquent receivables has increased nearly 40% over the last three years. Teresa is a hands-on leader who partners with her agencies to determine creative strategies for providing customers with real solutions to resolving their debts.

About John Graser:
John Graser is the Strategy Group Lead within the Collections operations business unit of Barclaycard U.S. Mr. Graser is responsible for the recovery organization including asset sales, agency management, legal, business card and deceased. Additionally, he is responsible for strategic projects within collections operations that maximize results across the delinquent life cycle.

Prior to joining Barclaycard U.S., Mr. Graser was the SVP of Recovery for Bank of America where he managed the Consumer Card, Probate, and Business card portfolios. In his role with Bank of America he managed the performance results of 60 asset recovery agencies with a total inventory of 6.3 billion dollars. Read More »

Prior to his recovery experience he managed operations for a 400 FTE customer marketing and retention call center in Newark Delaware for MBNA America Bank. He has held call center operations positions with MBNA in the areas of new account acquisition, fraud mitigation, and retention.

Mr. Graser is a graduate of the University of Delaware where he received a B.S. in Education. He was also a member of the nationally ranked Varsity Lacrosse team.

John is a member of the MOT youth Lacrosse board where he coaches youth Lacrosse.

About Judy Hammond:
Judy Hammond is founder of two corporations, Resource Management Services, Inc., founded in May 1986, and The Debt Marketplace, Inc., founded in 1994. Both corporations specialize in consulting and serving the collection and recovery industry.

As President of Resource Management Services, Inc. , she has more than 25 years of experience with an emphasis on operational reviews for compliance and operational effectiveness of collection operations, both for creditors' internal collection and recovery operations as well as collection agencies and attorneys.

She has worked generally with the top banks/financial institutions, utilities and telcoms, (and their vendors) and has conducted Best Practices projects through Visa, USA. Read More »

In addition, she produces industry research and benchmarking projects. Her position as a consultant to creditors, and an agency auditor, as well as a background with two collection agencies, provides a unique perspective of the industry. She is author of various industry publications: "Comprehensive Agency/Attorney Usage Study," "Comprehensive Agency/Attorney Usage Study II" and "Collect More From Collection Agencies".

Her work with creditors who were looking to sell debt for the first time, and subsequent Buyer/Seller research was the foundation for the second corporation, The Debt Marketplace, Inc. The Debt Marketplace was created to provide a resource for buyers and sellers to enter this evolving market of charge-off debt sales with minimum risk and maximum results. In addition to buyer and seller research and benchmarking publications, she served as editor of The Debt Marketplace News, and wrote many articles regarding buying and selling debt, as the industry was evolving. She continues to serve as the company's CEO.

She worked with Dennis Hammond as co-founders of the Debt Buyers' Association, (now DBA International) building the foundations for industry standards, as well as the original code of ethics.

She is also the producer of two industry conferences: Collection and Recovery Solutions and Debt Connection Symposium and Expo.

Prior to forming the consulting companies, from 1981 - 1986, Judy worked for two collection agencies, Payco American Corporation and GC Services.

She received her Bachelor's Degree from Pepperdine University, and her MBA from the University of Southern California, where she graduated Magna Cum Laude.

About Dave Maginnis:
Dave Maginnis is Director, National Recovery for Wells Fargo Dealer Services. With over 22 years of automotive financing experience, Dave came to his current role in October of 2009, after serving in numerous leadership roles with DaimlerChrysler Financial Services and Allstate Dealer Services. His current responsibilities include Loss Recovery, Recovery Operations, Bankruptcy and Remarketing.

About Paul McCoy:
Paul McCoy is the Asset Recovery Manger of St. Helens Community Federal Credit Union. With over 20 years in collections Paul's extensive experience and accomplishments in managing delinquent loan portfolios is notable. His current responsibilities include all collections activities on both secured and unsecured Consumer and Commercial loan portfolios which includes; Foreclosures, Repossessions, Asset liquidations, Bankruptcy, DDA and Loan Recoveries, Agency Vendor Management, Loan Modification and Financial Hardships request. Read More »

Paul has been a frequent speaker and panelist on accounts receivable management and collection topics for various industry associations and conferences. Along with his motivation to immerse himself in performing his job, Paul is committed to serving the community where he lives and works. Having served as President on the Board of Directors for the Credit Association of the Pacific Northwest and the Portland Credit Association, Paul is passionate about creditor and consumer financial education.

Paul holds a Bachelor of Science Degree in Management from Oregon State University with a minor in Behavioral Sciences.

About Lauren Miller:
Lauren is Vice President of Payment Solutions with Direct Brands, Inc, the largest direct-to-consumer distributor of media products in the United States, which operates iconic brands such as Book-of-the-Month Club, Doubleday Book Club, and Columbia House. She has been with Direct Brands for over 10 years and currently oversees the operations and performance of the Payment Solutions team. Lauren has developed several best practices for internal and external collections, fraud/loss prevention, and credit card processing. She has an extensive background in establishing and managing payment strategies in order to reduce bad debt; experience includes: creating 1st party letter series, implementing third party collection programs, launching a debt sale program, introducing new payment options, etc. Prior to joining Direct Brands, Inc., Lauren worked at Arthur Andersen where she completed valuations of business enterprises including private and publicly traded equities, debt securities, and intangible corporate assets in connection with strategic planning, merger and acquisitions, corporate restructurings, and tax planning. Lauren is a graduate of Lehigh University with a Bachelor's degree in Finance and Marketing.

About Manny Newburger:
Manuel H. (Manny) Newburger is Vice President at Barron & Newburger, PC, a multi-state law firm with offices in Austin, Houston, and Dallas, Texas, Tampa, Florida, and Scarsdale, New York. He is also an Adjunct Professor at the University of Texas School of Law, where he teaches consumer protection law, and the President of Fair Debt Consultants, LLC, through which he provides training and management consulting services to the collection industry. Mr. Newburger is the principal author of Fair Debt Collection Practices: Federal and State Law and Regulation (Sheshunoff & Pratt).

About Tom Oliver:
Tom Oliver is the Associate Director for Recovery, Bankruptcy and Fraud Management at Hyundai Capital America which is the Irvine, California based captive finance company for Hyundai Motor America and Kia Motors. Prior to coming to Hyundai Capital, he spent 5 years in Atlanta, Georgia where he was President and CEO of the collections and call center operations company Asset Management Outsourcing (AMO). Prior to this stint on the collection agency side at AMO, he was a creditor and Senior VP at Bank of America in the Consumer Finance, Credit Card and Risk groups.

Tom got his career start shortly after graduating from Northwestern University back on the collection agency side at the former national agency, American Creditors Bureau based in Phoenix, Arizona. Tom has been a member of the Board of Directors for several companies and non-profits and currently sits on the Executive Committee of the Board for Consumer Credit Counselors of Orange County. Tom has spoken and written extensively on call center and recovery analytics, debt sale and vendor profitability.

About Stuart Pratt:
Stuart K. Pratt is President and CEO of the Consumer Data Industry Association, headquartered in Washington, D.C. CDIA, is the international trade association representing over 300 consumer data companies that provide fraud prevention and risk management products, credit and mortgage reports, tenant and employment screening services, check fraud and verification services, and collection services to hundreds of thousands of customers across the United States and the globe.

Mr. Pratt is the principal spokesman for the industry. As such, he testifies regularly before the U.S. Congress, represents the industry in the international market and interacts with the major media outlets. He has advised presidential and gubernatorial task forces on the importance of the free flow of information to the U.S. economy, and represented the industry as an advisor to the U.S. Department of Commerce on European Union-U.S. Safe Harbor negotiations. Pratt has participated in World Bank forums on credit reporting in developing economies and counseled private and government entities overseas on credit reporting issues. He also speaks frequently on the subjects of consumer data law, policy and business practices at domestic and international forums, including most recently programs in Cape Town and Berlin.
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CDIA's mission is to enable consumers, media, legislators and regulators to fully understand the broad economic benefits of the responsible use of consumer data which creates both opportunities for consumers individually and the economy as a whole. The Association's work focuses on Congress, and the regulatory process through its staff in Washington, D.C. and representatives in more than 35 state capitals. This results in a review and analysis of more than 1000 legislative and regulatory proposals every year.

Mr. Pratt received his Bachelor's Degree from Furman University in Greenville, SC., and conducted his graduate studies in business at the University of Maryland.

About John Russo:
John Russo joined CashCall, Inc. in April 2011 as the Director of Business Development. Mr. Russo joins CashCall, Inc. with more than 20 years experience in the Credit and Collections industry. Mr. Russo was recently a partner at State Claim Adjusters and American Debt Sales. He directed successful acquisitions and resale of over $400 million in charged off consumer receivables with American Debt Sales. He has also held Sales and Acquisitions Manager positions at Arrow Financial and USCB, and was responsible for healthcare, retail, commercial and purchased debt portfolio management at Cypress Financial Services, a publicly traded collection agency. He attends the following national conferences; NARCA, Debt Buyers International, DCS, CRS and has authored an article for The Commercial Law League of America in December 2008 titled – "Attorneys Buying Debt". In September 2011 he received his certification from the State of Nevada as a "qualified" Collection Manager.

About Andrew Schorn:
Schorn brings nearly 30 years of hands-on industry and operational experience to his role at USAA. As the leader of Agency Management in the Federal Savings Bank, Schorn leads the outsource agency vendor performance management team.

Prior to joining USAA, Schorn worked as a Consultant to the financial services industry where he provided reviews and operational expertise to both US and UK based banks in the credit card, mortgage, home equity, auto collection and loss mitigation operations areas.
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Prior to Consulting, Schorn has worked as the senior leader of outsourcing and collection operations at debt buyer and credit card operations, IDT Carmel, Chase Card Services, Fleet Bank, AT&T, GE Capital, and Citibank, where he managed multi-billion dollar portfolios.

About Tom Shaffer:
Tom began his career with Commerce Bank in 2001, and has 25 years of experience in the lending industry. As a Vice President with Commerce, Tom is the Manager of Loss Containment. He is responsible for all Consumer collection activities for Direct and Indirect Installment Loans, Real Estate secured loans, and Consumer and Commercial Bankcards. His Recovery department is responsible for Bankcard, Installment Loan, and DDA recoveries, and collateral repossession and remarketing activities.
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Prior to his position in Loss Containment, Tom managed the Bankcard Security and the Retail Lending Project Management departments for Commerce. Prior to Commerce, Tom worked for First American Real Estate Tax Service as a National Account Manager, and for Metmor Financial in various mortgage servicing management positions.

Tom holds a BHSM degree from the University of Missouri-Columbia, and an MBA degree from Baker University. He attended the ABA School of Bankcard Management, and is a Certified Project Management Practitioner. He has served as a member of the TransUnion Advisory Board, and has been a guest lecturer for the Mortgage Bankers Association and the RMA. He is a member of RMA, ABA, CBA, and IAFCI.

About Andrew Soros:
Graduate of Ohio University with a bachelor's degree in Business Administration/ Corporate Finance. Started working in the captive finance arena in 1986 with World Omni Financial Corporation later moving on to Nissan Motor Acceptance Corp in 1988 holding numerous positions in credit originations, collections and loss recovery.
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Currently he is responsible for all collections, bankruptcy and recovery activity for Nissan Motor Acceptance and Infiniti Financial Services portfolio's managing multiple in-house operations as well as offshore and onshore outsourced operations.

About Michael Stechnicki:
Michael Stechnicki currently is Director, Domestic Collections at Scotiabank based in Toronto, Canada. Michael has over 15 years hands-on experience in the consumer finance industry (primarily in prime and non-prime collections) where he has been both operationally and risk focussed. His experience includes developing and implementing collection and recovery strategies that have successfully elevated multiple collection operations to best-in class. Michael has been successful in capitalizing technology to improve productivity, including implementing IVR technology at non-prime collections operations where hiring additional staff was not possible.

About Chris Straiter:
Chris Straiter is the Director of Quality Assurance with Sentry Credit, Inc. a leading ARM firm based out of Everett, WA specializing in Financial Services, Education and Mortgage receivables. Chris recently joined Sentry Credit, Inc. fresh from a two-year assignment at American Express Global Collections, where he was a Portfolio Manager. His responsibilities included managing agency performance for a number of 3rd party collection agency relationships. This focus included operational improvements, collector and leader development, and enhancing controls and compliance to American Express standards.
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Prior to joining American Express, Chris was an important part of the consulting, audit and conference operation at Resource Management Services, Inc., where he helped develop and present their Recovery Management Strategies and Techniques sessions, as well as developing conference content and various client operational audits. His recovery management experience began at Bank of America. His 13 year tenure there included ATM Risk Management, Agency Liaison, and extensive experience in Agency Audit and Agency Performance Management.

About John Tonetti:
John Tonetti is a veteran with experience in most facets of the credit, collections, and risk management industry. Mr. Tonetti started his career in the credit card business, and worked as an executive at American Express, Citi, and Household/HSBC Credit Services. At HSBC, Mr. Tonetti was National Director of Risk Operations where he was responsible for collections and recovery on their portfolio of Bankcard and Private Label credit card accounts, and chaired the Credit Risk Committee.
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Mr. Tonetti left the issuer side to co-found and eventually become President of First Performance Corporation, a receivables management company doing business in both the first and third party collections space, with operations in Florida, Texas, and Nevada. First Performance collected on all types of asset classes, including credit card, installment loan, and auto deficiency. After selling First Performance, Mr. Tonetti worked in the debt brokerage business, and eventually became an independent industry consultant specializing in operations and technology integration.

John joined the Consumer Financial Protection Bureau in December 2011, and is the Debt Collections Program Manager in the Research, Markets, and Regulations division within the CFPB. He has an MBA in Management, a BA in Economics, and enjoys golf and being a soccer dad.

About Michael Vesper:
Michael Vesper has over 20 years of experience in Contact Management Solutions specializing in the Debt Collection and Resolution industry. Michael currently serves as President of Dial Connection, a Contact Management software company. Michael is the founder and chief architect of the DialIntelligence Contact Management Software suite, Dial Connection's flagship product. His technical savvy, along with his unique ability to understand contact management business issues and develop relevant cost effective technological solutions, has made him a sought after vendor, industry consultant and speaker.

About Troy Withers:
Troy Withers has 13 years in the Financial Services and Banking industry. Troy joined USAA Federal Savings Bank in 2010 as a Director of Collections responsible for all sixty plus collection portfolios, Repossession/Remarketing and Vendor Management. Prior to joining USAA Troy held leadership roles with Ally Servicing, Capital One Auto Finance and MBNA America.