Meet the Editor of Collections & Credit Risk Magazine

Darren Waggoner

Darren Waggoner


Collections & Credit Risk Magazine

Darren Waggoner is the chief editor of Collections & Credit Risk magazine and CCR Newsline. He is a veteran writer and editor with 10 years experience covering the collections and debt-buying industries. He spent eight years in the newspaper business as an editor and reporter and won 17 Associated Press writing and newsroom leadership awards in Indiana, Ohio and Texas. He is a graduate of Indiana University.

Visit BOOTH 218 and get acquainted with the editor of Collections & Credit Risk, while enjoying a cup of coffee at the Payments Group Coffee Station.

Conference Chair

Sean McVity

Managing Partner

Garnet Capital Advisors, LLC

Sean McVity is a managing partner of Garnet Capital Advisors, LLC, a New-York-based financial-services firm providing in portfolio-sale and capital-raising advisory services in the distressed debt market. Sean manages Garnet's Corporate Financial Advisory practice, and directs the firm's international businesses San Juan-based Garnet Las Américas and Warsaw, Poland-based Garnet Polska, sp. z o.o.

Featured Speakers

Rozanne M. Andersen, CAE

Executive Vice President and General Counsel

ACA International

Rozanne M. Andersen is a 1983 graduate of the William Mitchell College of Law, St. Paul, Minn., and is the Executive Vice President & General Counsel for ACA International.

David Belu

David Belu

National Collections Manager

BMW Financial Services

David Belu is the National Collections Manager of BMW Financial Services. He is responsible for delinquency and loss mitigation, dialer strategies, forecasting, partner relations, systems and solutions. He joined BMW Financial Services in 1999 and has served in various capacities including Sales and Marketing Manager, Wholesale Audit and Accounting Manager, Retail Payment and Billing Manager and Wholesale Analyst. David worked for AmeriCredit Financial Services from 1998 to 1999 and for General Motors Acceptance Corporation from 1989 to 1998. He received his MBA from the University of Illinois in 1998 and a B.S. from Louisiana State University in 1988.

Bobbie Britting

Research Director, Consumer Lending


Bobbie Britting is a Research Director in the Consumer Lending Practice at TowerGroup, with responsibility for Home Equity, Auto, Student, Unsecured Personal and P2P lending. She has more than 20 years experience in the Financial Services industry and has held management positions at Citibank, Fair Isaac, Wells Fargo Consumer Credit Group and Ellie Mae.

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.

John Carpenter

John Carpenter

Chief Credit Officer

NBT Bank, N.A. Credit Administration Department

John is presently the Chief Credit officer at a $5 Billion Community Bank in Central New York. Responsibilities include Credit Policy and oversight of the bank's Commercial workout, Consumer Collection departments and Credit, Appraisal and Loan Documentation Departments. John also serves as Vice Chairman of the bank's loan committee. John has 35 years of banking experience and for the last 21 years has served in the Credit Administration division for two bank's during which time commercial workout was a focus. John has a team of four dedicated commercial & small business workout officers who are responsible for the direct administration of assigned workout accounts. John is a graduate of Syracuse University with a BS in Finance.

Don Davey

Director, Professional Services Receivables Management

First Data

As director of professional services receivables management, Don Davey helps First Data customers increase performance and reduce cost using analytics and other technologies. He also works closely with First Data's product team to combine and design solutions that suit the evolving needs of the accounts receivables industry.

Brian Dearle

Brian Dearle

Vice President, Cross Product Risk Strategy

Wells Fargo

Brian Dearle is a risk manager for Wells Fargo Bank, focusing on payment risk for credit card and on the use of customer-centric data, across different product groups. He has been with Wells for 33 years, in credit card and deposit risk analysis, and prior to that in collections management.

Brian Enneking

SVP, Business Development

Genesis Financial Solutions

Mr. Enneking is Senior Vice President of Business Development at Genesis Financial Solutions, a privately-held consumer finance company that specializes in the origination, acquisition, and management of credit-sensitive unsecured consumer receivables. He is responsible for pursuing strategic partnerships for Genesis, along with expanding business opportunities with existing partners. Prior to his Business Development role, Mr. Enneking was the Founder and President of Genesis Lending Services (GLS), a wholly-owned subsidiary of Genesis. GLS provides private tuition loans to career college students throughout the United States.

Scott Johnston

Assistant Vice President, Marketing & Acquisitions

Asset Acceptance Capital Corp.

Scott Johnston is Assistant Vice President-Marketing & Acquisitions for Asset Acceptance Capital Corp., a leading purchaser and collector of charged-off consumer debt based in Warren, Michigan.

Tim Hayes

Director of Analytic Consulting


Tim Hayes is currently the director of analytic consulting for TransUnion where he leads a team responsible for providing analytical and strategic consulting to a wide array of companies that span a diverse set of product and industry segments, including financial services, telecommunications, healthcare and collections to name a few.  Tim and his team work in close collaboration with TransUnion’s internal teams and customers in order to deliver best in class business intelligence solutions that can be deployed across the account relationship life cycle to maximize customer value and increase ROI.   Tim has over 24 years of industry experience, including 20 years experience in the financial services industry, in the areas of analytics, model and strategy development, risk and portfolio management and process management.

Samuel J. Gerdano, Esq.

Executive Director

American Bankruptcy Institute

Samuel J. Gerdano is the Executive Director of the American Bankruptcy Institute, the nation's largest multi-disciplinary organization in the field of insolvency. He joined the ABI in May 1991. In 2007, on the occasion of ABI's silver anniversary, he was awarded ABI's first Lifetime Achievement Award.

Bob Hill

Bob Hill

Vice President, Market Strategy

Early Warning Services

Bob Hill serves as Vice President, Market Strategy for Early Warning Services. In this role he is leading the company efforts to identify opportunities and build enterprise solutions to help financial services organizations reduce expenses associated with fraud, credit Abuse and credit risk within their consumer business lines. Hill brings nearly 25 years of experience in strategy and product management roles, having worked with a variety of companies in the financial services industry. He has brought many new and innovative services to market, including the use of shared industry DDA information for risk management in consumer lending decisions. Prior to Early Warning, Hill was with eFunds and Deluxe.

Alan Hochheiser

Managing Partner, Bankruptcy

Weltman, Weinberg & Reis Co., L.P.A.

Alan Hochheiser is the managing partner of the Bankruptcy department of Weltman, Weinberg & Reis Co., L.P.A. and is located in the Brooklyn Heights, Ohio operations center. Mr. Hochheiser obtained a B.A. cum laude from the State University of New York at Albany in 1985 and a J.D. from the Case Western Reserve University School of Law in 1988. A member of the Ohio State and Cleveland Bar Associations, Mr. Hochheiser is licensed in Ohio.

Robert D. Manning, PhD

Research Professor & Director

Center for Consumer Financial Services

Rochester Institute of Technology

Robert D. Manning, PhD, Research Professor and Director of the Center for Consumer Financial Services, Rochester Institute of Technology, Rochester, New York is the creative force behind the RDR algorithm. He is the founder and president of the non-profit corporation, Responsible Debt Relief , whose mission it is to alleviate the debt problems of the "near bankrupt" and others undergoing serious financial stress.

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.

Anna Mendez

Chief Credit Officer

Wescom Credit Union

Anna Mendez is the Chief Credit Officer & Senior Vice President of Lending for Wescom Credit Union, where she oversees the consumer lending department, real estate department, and the collections department. Mendez also serves as the Chief Credit Officer for the organization. Wescom, a Pasadena-based financial cooperative serving more than 300,000 members throughout Southern California, has a field of membership that includes everyone who lives or works in the seven counties from Santa Barbara to San Diego.

Mike Moore

Mike Moore

Vice President of Consumer Lending

Fifth Third Bank

Richard Munroe


Capital Financial Group, Inc. (CFG)

Richard Munroe is President of Capital Financial Group, Inc. (CFG), which opened its offices in January of 2003 in Atlanta, Georgia.  Capital Financial Group, Inc. is a buyer and seller of consumer debt that also provides scoring analysis, legal modeling, acquisition, and selling services to various issuers and debt buyers in the collections industry. CFG has brokered portfolio sales in excess of three billion dollars of consumer debt, as well as, through it’s strategic alliance with Risk Management Alternatives from January, 2004 to March, 2005 purchased over eight hundred million dollars of consumer debt for the portfolio division. 

Lance Phair

Recover Analytics

Philips & Cohen

Lance Phair is the Vice President of Recovery Analytics for Phillips and Cohen Associates, a Financial Recovery Firm that specializes in Probate, Cease and Desist, Arbitration, Legal and Charge-Off collections. Lance is responsible for the development of internal scoring models as well as testing those models against vendor supplied scoring models. He has 9 years of experience in the collection industry and worked as an analyst for two top ten banks before joining Phillips and Cohen Associates.

Christine Pratt


Pratt Associates

Christine Pratt has served in senior executive roles in banking, securities, consulting, and research for more than 25 years, and authored more than 50 research papers on the strategic use of IT in financial services. She is a recognized authority on Privacy, Identity Theft and real estate fraud issues.

Richard R. Riese

Senior Vice President, Center for Regulatory Compliance

American Bankers Association

Richard R. Riese is Senior Vice President for the Center for Regulatory Compliance at the American Bankers Association where he is responsible for coordinating ABA’s advocacy and member outreach on a broad range of compliance matters. Prior to joining the ABA staff in June 2004, Rich served for five years as Director of Compliance Policy in the Office of Thrift Supervision with responsibility for consumer protection, Community Reinvestment Act and BSA/AML regulatory policy and for establishing the agency’s SMAART compliance self-assessment guidance and designing its Compliance Oversight Examination Program. 

John Sanders

Principal & Founder

Bridgeforce, Inc.

John has spent his career managing the implementation of high-profile projects that support mission-critical initiatives. These business process re-engineering and technology application initiatives include: advanced credit scoring and fraud detection in the U.S. and U.K, core processing, data warehousing and analytics, reporting, collections, and customer management systems.

Stacey Schacter


Briannaco Investments LLC

Stacey J. Schacter, Principal ~ Briannaco Investments LLC Stacey J. Schacter is a principal in Briannaco Investments LLC. He was formally President of OSI Portfolio Services, Inc. managing the acquisition and collection of consumer and commercial debt. Stacey has over eighteen years prior experience in the debt buying, collection and financial services industry serving as President, Chief Executive Officer and Chief Legal Officer of EMCC, Inc. and before that as an attorney and advisor to several debt purchasing firms.

Allan Stevens

Vice President, Senior Loan Officer

Franklin Mint Federal Credit Union

Allan Stevens is the vice president and senior loan officer for Franklin Mint Federal Credit Union. He has been the senior lender at Franklin Mint FCU since 1990 and has held management positions with a savings bank and a consumer finance company. In his position at Franklin Mint FCU Allan is responsible for credit administration and management and oversees loan originations and servicing for consumer loans and mortgages. He has been responsible for implementation of lending automation and organizational use of credit scoring for underwriting, pricing and account management activities.

Harry A. Strausser III


The Remit Corporation and Interact Training and Development

Harry A. Strausser III is President of The Remit Corporation and Interact Training and Development where he oversees the operation of a full-service collection agency and coordinates the training programs of its educational subsidiary. A second-generation collector, Harry is active in both the Midatlantic Collectors Association and ACA International, the trade association of credit and collection professionals, in which he is a Certified Instructor.

Peggy L. Twohig

Associate Director Division of Financial Practices

Federal Trade Commission

Peggy L. Twohig is currently the Associate Director for the Division of Financial Practices at the Federal Trade Commission.  Ms. Twohig is responsible for overseeing enforcement of the FTC Act and other consumer protection laws relating to financial practices.  These enforcement programs include protecting consumers from deceptive or unfair practices by non-bank lenders, loan servicers, credit counselors, or other financial services providers, as well as enforcing particular consumer credit statutes, such as the Fair Debt Collection Practices Act, the Credit Repair Organizations Act, the Truth in Lending Act, and the Equal Credit Opportunity Act.

Dr. Gary Wood


Madera Partners, LLC

Dr. Gary Wood brings invaluable insight regarding ways in which the state of the economy affects the distressed debt business. Originally from Waco, Texas, Dr. Wood earned his Ph.D. in Banking and Finance from the University of Texas at Austin. Focused on his dedication to public service and education, his career to-date includes service with the U.S. Air Force and the Central Intelligence Agency; as Staff Economist for Senator John Tower; Chief Economist of the Republican Policy Committee, U.S. Senate; Finance Professor and Director of Governmental Affairs at Baylor University; and is a former Director of the Federal Reserve Bank of Dallas.