Conference Chairman

Barrett Burns

President & Chief Executive Officer

VantageScore Solutions LLC

Barrett Burns is president and CEO of VantageScore Solutions, a company launched by the nation's three major credit reporting companies (CRCs) - Equifax, Experian and TransUnion - in March 2006 to offer VantageScore, a new generic credit scoring model. VantageScore provides credit grantors with a highly predictive model that uses an innovative, patent-pending scoring methodology to deliver a consistent interpretation of consumer credit files across all three CRCs and the ability to score a broad population.

Keynote Speakers

Seth Carter

Vice President of Consumer Psychology and Collection Sciences

Altisource Portfolio Solutions, S.A.

Seth Carter is Vice President of Consumer Psychology and Collection Sciences at Altisource Portfolio Solutions, S.A., parent company of Nationwide Credit, Inc. His mission is to employ behavioral science principles to reduce variability in performance, ensuring a standardized, programmatic approach to collections.

Michael T. Goins

Michael T. Goins

Senior Manager

Chrysler Financial

Michael T. Goins holds the position of Center Manager, Jacksonville (FL) Customer Contact Center for Chrysler Financial. Mr. Goins is responsible for all loss recovery and severely delinquent collection strategies inclusive of collection agency management, litigation, debt sales, severely delinquent (91+dpd), skip, repossession, repossession operations, and redemption activity. Mr. Goins has been with Chrysler Financial since 1998. Prior to joining Chrysler Financial he was Vice President of Recovery for Barnett Banks, Inc. - Florida and started his finance and collections career with CIT Group in 1987. He has held industry advisory board positions and has spoken at various national conferences on topics including Loss Recovery and Debt Sales. Mr. Goins holds a BS in Business from Jacksonville University.

Allan I. Mendelowitz, Ph.D.

Former Chairman

Federal Housing Finance Board

Mendelowitz was appointed chairman of the Board in 2000, and continued to serve as a director until 2009. He previously served as the executive director of the U.S. Trade Deficit Review Commission, a congressionally appointed, bi-partisan panel, from 1999 until his appointment to the Federal Housing Finance Board (FHFB). From 1996 to 1998, as executive vice president of the Export-Import Bank of the United States, Mendelowitz was the senior career official responsible for overseeing all Export-Import Bank programs and operations.

Featured Speakers

James Appleby

Collection & Recovery Operations

Vanquis Bank

James Appleby joined Provident Financial in Q3 2008 with responsibility for all Collection and Recovery Operations for the Credit Card function. Provident Financial, with two million customers has the largest non-standard customer base in the UK, doing business since 1880, Vanquis Bank being the Credit Card arm of Provident.

Danielle Fagre Arlowe

Danielle Fagre Arlowe

Senior Vice President of State Government Affairs

American Financial Services Association

Danielle Fagre Arlowe is Senior Vice President of State Government Affairs for the American Financial Services Association. Prior to joining AFSA, Ms. Arlowe was Director of Government Affairs and Legislative Counsel for credit card issuer Metris and an associate with two Washington, DC 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, 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. Ms. Arlowe holds a B.A. in Politics and Government from the University of Puget Sound in Tacoma, Washington, and she earned her J.D, cum laude, from American University in Washington, DC. She is admitted to the bar in Maryland (inactive), Washington DC and Minnesota.

William E. Askew

Senior Executive Vice President, Service Quality Division

Regions Financial Corporation

Senior Policy Advisor

Financial Services Roundtable

Bill Askew, 59, is head of the Service Quality Division of Regions Financial Corporation and he serves as the Senior Policy Advisor for the Financial Services Roundtable. He is responsible for leading improvements to the way Regions serves customers in every geographic region, line of business and all service channels. He has served 25 years with Regions, a top U.S. bank-holding company headquartered in Birmingham, Alabama, with $142 billion in assets, operating 2,000 branches in 16 states. Half his time is spent in Washington, D.C. advocating for the Top 100 Financial Services Firms in America.

Raymond P. Bell, Jr.

Vice President

Creditors Interchange Receivables Management, LLC

Raymond P. Bell, Jr. is a Vice President of Creditors Interchange Receivables Management, LLC and is in charge of their Bankruptcy and Probate Division. Mr. Bell managed the bankruptcy and probate departments for three national credit card banks and was a former manager in two law firms servicing consumer bankruptcies for creditors nationally encompassing over 25 years.

Carlton Benton

Carlton Benton

RCF Outsourcing Leader

GE Money


Nick Bernardo

Nick Bernardo


Net Gain Marketing

Nick Bernardo is President of Net Gain Marketing (, a marketing consulting firm serving the credit & collection industry with average annual growth of nearly 300% since inception in 2003. Mr. Bernardo’s clients include an international mix of small and large collection agencies.  A major practice area for the firm is public sector business development, including higher education, through the firm’s MyGovWatch website ( Agencies using NGM’s services have earned more that $125,000,000 in revenue.  Prior to founding NGM, Mr. Bernardo was a key contributor in marketing management during NCO Group’s growth from a small, regional agency to the world’s largest company in our industry.  Mr. Bernardo is also Board President of ARMing Heroes (, a non-profit corporation focused on helping veterans find opportunities in the industry.  He lives with his wife, Erin, in Collingswood, New Jersey.

Lance Black

Lance Black


Northland Group

Lance Black is President of Northland Group with its main office in Minneapolis MN .   Northland has been a leader in later stage Bankcard, Retail and purchased paper for over 20 years.

Stuart R. Blatt


Margolis, Pritzker, Epstein & Blatt

Mr. Blatt has served as counsel for major corporate law departments in the retail and banking industry including Citicorp. In that position he supervised ongoing litigation by outside firms in numerous states. He is involved in monitoring legislation and lobbyists on the federal level, has appeared before senate sub-committee hearings on new laws and legislation on the state level and works with attorneys general as a liaison in the several states. His prior experience includes Marine Midland Bank and Dun & Bradstreet. 

Dan Buell

Vice President Product Marketing


Dan joined Experian (EXPN.L) in 2005 and is the Vice President of Product Marketing. In his role Dan is responsible for leading Experian's collections business. Specifically Dan oversees development, product management and support, marketing and strategic partnerships.

Mike Burkhalter

Vice President

Wells Fargo Card Services

Mike is responsible for managing regulatory compliance with respect to the account acquisition phase of the credit card product life cycle. He serves as the primary compliance business partner to the Marketing, Credit Originations, and Risk Management groups with Wells Fargo Card Services.

Kathy Castle

Managing Associate


Kathy joined ACG after working 20+ years in credit card, mortgage and auto loan servicing. She held positions in risk management and fraud prevention, operations management, financial analysis, and marketing. This well-rounded background makes her a great fit to lead a diversified mix of Industry Roundtables for ACG and to serve as a key contributor on related consulting engagements. Kathy has a Bachelors degree in Economics from Cornell University and an MBA in Finance from Hofstra University‘s Graduate School of Business.

Debra J. Ciskey

Director of Compliance, Receivables Management

Afni, Inc.

Debra Ciskey is the Director of Compliance in the Receivables Management division at Afni, Inc., in Bloomington, Illinois. Debra joined Afni, Inc., in September, 1993. During her tenure at Afni, Debra created and drove the training and development programs during Afni’s meteoric growth during the 1990’s, then transitioned in to training, development and compliance responsibilities in Afni’s Receivables Management organization in 2004.

Mike Cook

Chief Strategy Officer and Co-founder

ID Analytics, Inc.

Mike Cook co-founded ID Analytics in March 2002. Cook has spent almost 20 years in risk and fraud-related roles and half of that time in senior executive positions at various companies. Since joining the company, Cook has conducted extensive research on the methods and schemes of fraudsters, resulting in the development of industry-standard solutions that combat the most difficult-to-detect types of identity fraud.

Keith Coulter

Principal and Founder


Before founding CX-Analytics, Mr. Coulter served as Managing Director of the UK Consumer Cards and Loan business for Barclays Bank in the United Kingdom. This business served over 10 million customers and included the notable brands of Barclaycard (the largest credit card brand in Europe), Barclayloan personal loans, Barclays Marine Finance, First Plus home equity loans and Monument sub-prime credit cards. Prior to being named Managing Director, he served as Chief Operating Officer and Customer Value Management Director for Barclaycard UK.

Teresa Schumann-Dodson

COO/Executive Vice President

Persolvo Data Systems

Teresa Schumann-Dodson is COO/Executive Vice President of Persolvo Data Systems in Irvine, California. Teresa also sits on the Executive Board of The Association of Settlement Companies (TASC) for the last 3 years. Her years of experience in the debt settlement industry brought her to the current position she holds with Persolvo Data Systems.

Paul Farinacci

Chief Sales Officer

Nationwide Credit

Paul has been in the accounts receivable management industry for 35 years. Currently he is Chief Sales Officer at Nationwide Credit with responsibility in business development, key account management, client services and strategy. Prior to Nationwide Credit Paul was with Student Assistance Corp., a Sallie Mae Corporation. He is the founding member of Intellirisk which is now known as iQor.

Cheryl A. Feltgen

Senior Vice President, Chief Consumer Credit Risk Officer

Fifth Third Bancorp

Cheryl Feltgen is Chief Consumer Credit Risk Officer of Fifth Third Bancorp. She joined the company in January of 2009. In this role, Cheryl is leading a team to manage credit risk of the entire consumer portfolio including mortgage, home equity, credit card, auto loans and student loans. She is focused on providing comprehensive analytics to drive credit risk decision-making that balances risk and return to optimize business results.

Tim Fitzgibbon

Tim Fitzgibbon

Vice President of Debt Management Services

National Council of Higher Education Loan Programs (NCHELP)

Tim Fitzgibbon is Vice President of Debt Management Services for the National Council of Higher Education Loan Programs (NCHELP). He has over 22 years of student financial aid experience, the most extensive of which was in the role of director of guarantor services for the Iowa College Student Aid Commission, a position he held for 15 years. Tim is a frequent guest speaker on the topics of college financial aid and financial literacy. He has been very active in the NCHELP community, serving in a leadership role on the workgroup that developed the Common Manual and for three years as chair of NCHELP's Debt Management Committee. He is a graduate of Iowa State University with degrees in Business and Political Science. Tim, his wife Sandy, and their two children live in West Des Moines, Iowa.

Bob Freeman

Senior Vice President, Correspondent Banking Services

BBVA Compass

Bob Freeman, Senior Vice President, joined BBVA Compass in January 1977 and has extensive experience in operations, money management, liability management, and correspondent banking. He moved to the Correspondent & Investment Services Division in 1986 and manages the correspondent operations and financial analyst groups servicing correspondent banks.

John Furjanic

John Furjanic


ROI Solutions LLC


David R. Glezerman


Temple University

David R. Glezerman has been employed in the collections industry for 33 years, with 29 years in higher educational receivables management. A 1976 graduate of Rutgers University, David received his M.B.A. from Temple University in 1991.

Valerie Hayes

Vice President, Legal and Government Affairs

ACA International Corporate Counsel

Valerie Hayes is Corporate Counsel and Vice President of Legal and Government Affairs for ACA International. Valerie oversees ACA’s legal department, compliance department, complaint resolution program and ACA’s government affairs initiatives. She has written numerous articles and given multiple seminars on the Fair Debt Collection Practices Act, Fair Credit Reporting Act, state collection laws, electronic transactions and multiple other topics.

Vytas Kisielius

Vytas Kisielius


Collections Marketing Center (CMC)

Vytas was one of the founders and visionaries behind CMC. Prior to CMC, Vytas co-founded Adeptra in 2000 which is an AutoResolution provider that utilizes Interactive Voice Response technology to automate fraud verification, marketing, and collections applications across a broad range of industries in the US and the UK. Vytas began his career at IBM and held a number of Financial Services Industry sales, marketing and product development management roles. He has taught marketing at Johns Hopkins University's Masters in Business Services program, and is a frequent speaker at industry conferences. He is a graduate of Princeton University and the Harvard Business School.

David R. Leuthold

CEO and President

Premier Institute for Financial Freedom


Century Negotiations, Inc.

David began his career in the consumer debt industry in 1997 by co-founding Debt Free Seminars Inc., which was the beginning of a national seminar program focusing on providing families with strategies and a methodology for living a life free of burdensome debt.  David is now the CEO and President of the Premier Institute for Financial Freedom and CEO of Century Negotiations, Inc.

Robert G. Markoff, Esq.


National Association of Retail Collection Attorneys

Partner Markoff & Krasny

Robert G. Markoff is a partner in the firm of Markoff & Krasny, Chicago, Illinois. Bob is the President of the National Association of Retail Collection Attorneys, a member of the, the Chicago Bar Association, Illinois State Bar Association, and ACA International, Members Attorney Program.

Tom Miller

Tom Miller

Senior Vice President, Corporate Development

ALI Solutions

Tom Miller brings nearly 20 years of industry experience to the ALI Solutions management team and has responsibility for marketing, product management, partnerships and international business. His expertise includes credit line management, collections, fraud, authorization and credit portfolio management, as well as application processing. Since 1996, he has provided risk management consulting for dozens of Austin Logistics customers, and has presented a variety of topics related to risk management and analytics at industry conferences. Tom came to ALI Solutions from Chase Manhattan Bank N.A., where his most recent position was Vice President, Bankcard Credit Risk Management. In his tenure at Chase, he managed credit policy development and implementation for its bankcard and unsecured portfolios. He received an MBA from New York University, Stern School of business and a B.S. in Commerce/Finance from the University of Virginia, McIntire School of Commerce.

Kirk Moquin

Kirk Moquin

President and Co-Founder

Enhanced Recovery Corporation

Mr. Moquin manages operations and strategy along with actively participating in sales and marketing for Enhanced Recovery Corporation (ERC). ERC is a nationally licensed collection agency that has long standing client relationships collecting credit card, retail card, telecommunications, and overdraft pre and post charged-off receivables. ERC is headquartered in Jackonsville, Florida and has 3 locations with 600+ employees. Prior to co-founding ERC in 1999, Mr. Moquin worked at another large national collection agency managing operations.

Nancy O'Malley, J.D.

Vice President, Asset Recovery

Security Service Federal Credit Union

Ms. O'Malley has over 25 years of experience with financial institutions serving in a wide variety of leadership positions with responsibility for managing collections, recovery, fraud, risk management, operations, and the legal and compliance functions.

Brian S. Reiss

Managing Director - US Practice


Brian has spent most of his career helping leading organizations develop and manage cutting-edge consumer financial service products and services. Leveraging a solid foundation in consumer lending & technology received at MBNA, Chase Manhattan Bank and Ernst & Young Consulting, Brian helped design some of the first mass consumer internet banking, investment and customer acquisition/service programs.

Robert Smiley

Robert Smiley

Executive Vice President of Loan Administration

U.S. Bank Home Mortgage

Robert Smiley is Executive Vice President of Loan Administration for U.S. Bank Home Mortgage.  He has 24 years of mortgage banking experience and has been employed by the U.S. Bank Home Mortgage for the past 19 years.  Bob manages the current $170 billion portfolio containing over 1.20 million loans.  His responsibilities include management of default administration, customer relations, new loans & acquisitions, investor relations, cash management, escrow administration, training & compliance, special loans, servicing transfers, master servicing, FDIC acquired bank servicing, HFA servicing and records management.  Bob began his career as Investor Reporting Manager at Investor Bank in Minneapolis (a predecessor company).  Prior to U.S. Bank, Bob was employed by Knutson Mortgage Corporation in Bloomington, Minnesota.  Bob was born and raised in Roseville, Minnesota and graduated from the University of Minnesota in 1987 with a Bachelor of Business Administration degree.  Bob is a member of the mortgage advisory board for LPS Mortgage Services, member of the Freddie Mac Servicer Advisory Board and a board member of the Owensboro Park's Foundation.

David Soto

Director, National Accounts

Highline Financial

David Soto, Director of National Accounts at Highline Financial, is responsible for facilitating relationships with a diverse range of financial services clientele. His background includes a degree in Finance from the University of Texas and a nine-year tenure with Highline Financial, where he has specialized in analytical solutions focused on US chartered financial institutions.

Marla Tepper

General Counsel

New York City Department of Consumer Affairs

New York City Department of Consumer Affairs Commissioner Jonathan Mintz appointed Marla Tepper General Counsel in November 2005. Tepper serves as the senior legal advisor to the Commissioner and also oversees the Department’s large-scale litigation. Her strong record of consumer protection and civil rights enforcement on local, state, and federal levels help ensure New York City’s consumers and businesses benefit from a fair and vibrant marketplace.

Wesley K. Young

General Counsel

American Debt Exchange, Inc.

Wesley K. Young is General Counsel of American Debt Exchange, Inc. and sits on the Executive Board of TASC (Trade Association of Settlement Companies) where he serves as Legislative Director and plans, drafts, lobbies, and testifies regarding legislation affecting the industry.