Das Mohandas currently serves as GM and Chief Lending Officer at Varo Bank. He is an accomplished executive with extensive expertise across the entire credit product lifecycle, including product development, origination strategies, portfolio risk management, and debt management.

Brent Montgomery is a seasoned financial services executive with over 21 years of experience in credit risk management, fraud prevention, and data analytics. Currently serving as Senior Vice President and Head of Credit Risk Management at Credit One Bank in Las Vegas, he oversees the complete end-to-end credit lifecycle management, including credit underwriting strategies, fraud prevention, and payment risk strategies.

Throughout his career, Brent has held senior positions at major financial institutions including Bank of America, where he spent nearly a decade managing card credit strategies and first-party fraud prevention, and Continental Finance Corporation, where he was instrumental in launching their credit card line of business. He holds a Bachelor of Science in Finance from Goldey-Beacom College and is recognized for his strong leadership abilities and comprehensive expertise spanning credit strategy, risk management, collections, and model development.

Ryan Caldwell is the Founder and CEO of MX. He also currently serves as the Chairman of the MX Board of Directors. Before founding MX in 2010, Ryan built and successfully exited several technology startups, as well as consulted in Silicon Valley, Singapore, and London for some of the world’s leading companies including Visa and Microsoft.

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Bill Garber is the Senior Vice President for Credit Policy and Analytics at Navy Federal Credit Union, where he has served for over 20 years. He leads a team responsible for managing credit risk and pricing strategies across a broad spectrum of lending products. His team also oversees loss forecasting, reserve modeling, data furnishing, and credit bureau dispute resolution. Over the course of his career at Navy Federal, Bill has also led operational risk and fair lending functions. Before joining Navy Federal, Bill spent eight years at Commerce Bank in St. Louis. He began his career in academia, teaching political science courses in the St. Louis area after completing graduate studies. Bill holds a Bachelor of Arts in Foreign Affairs from the University of Virginia. He pursued graduate work in European Politics and International Economics at the Johns Hopkins School of Advanced International Studies (SAIS) in Bologna, Italy, and Washington, D.C., and in Comparative Politics at Northwestern University. Outside of work, Bill enjoys traveling with his wife and children, hiking, biking, exploring new restaurants, and watching soccer.

Evan Bryman serves as the Chief Product and Strategy Officer at Concora Credit, where he has worked for over 15 years since November 2009. Based in Akron, Ohio he has held various leadership roles at the company, including Chief Operating Officer, President of General Purpose Credit Cards, and VP of Balance Transfer Cards. Prior to Concora Credit, Evan spent 11 years at Capital One in roles including Business Director and Credit Officer, Business Manager in Marketing, and Business Manager & Analyst in Product Development. He holds an MBA from Duke University's Fuqua School of Business and a B.Sc. in Physics from McGill University.

Debtosh Banerjee is the President of Seen Finance, bringing extensive expertise in consumer lending and fintech transformation. Seen Finance is a fintech that in partnership with a partner bank provides Credit Cards directly to consumers. Prior to joining Seen, he served as Senior Vice President and Head of Card and Banking at Avant, a high-growth financial technology company, after spending more than decade in US Bank and HSBC. Debtosh has a Master degree from University of Chicago and Bachelor degree from West Bengal University of Technology.

Nichole is the Co-founder of Credit Karma and former Chief Revenue Officer. She previously served as financial services sales director at Compete, which was acquired by TNS Media. She brings deep expertise in consumer credit, fintech innovation, and revenue strategy to guide the strategic discussion. Nichole holds a Doctorate degree from Miami University.

Kevin Feltes is the CEO of the Financial Data Exchange. FDX is a non-profit company dedicated to helping businesses build safer methods for enabling customers to safely share their financial data. FDX does this by bringing together diverse stakeholders to define common technical standards that make permissioned data sharing work better at scale across the industry.

Chris McCall is a financial services executive with 20+ years delivering financial results and building and leading teams in the lending industry. He combines a strong understanding of consumer behavior and P&L outcomes with deep statistical experience to solve problems from multiple perspectives. As a leader, Chris invests heavily in cross-functional collaboration as a means to deliver the best answers and to create a culture where everyone sees their contribution to a team result. Within teams, Chris enjoys creating a strong sense of ownership and accountability and investing in competency development to help each team member grow their results and careers.

Ankur Jain is the Founder and CEO of Bilt Rewards, the nation’s largest residential payments and neighborhood loyalty program. The program is the first of its kind to allow renters to earn points on rent payments and rewards on spend at local neighborhood businesses—all while helping build a path to homeownership. Bilt was developed in partnership with an alliance of the nation’s largest real estate owners and operators, representing over 4.5 million homes across the United States. The company is chaired by Kenneth Chenault, the former CEO of American Express, and in August 2024 was valued at $3.25 billion. Jain is also the Founder of Kairos, a venture studio building companies to tackle the world’s greatest challenges. Currently, the Kairos portfolio of brands is focused on making essential services like housing and healthcare more affordable. Over the years, Kairos has helped launch and grow over $6.5 billion worth of companies tackling problems in healthcare, housing costs, transportation networks, and more. Before rejoining Kairos in May 2017, Jain was the Head of Product at Tinder, the world’s largest social network for meeting people. He joined Tinder after it acquired his previous company, Humin, where he served as Founder and CEO. Over the years, Jain has been recognized for a variety of achievements. In April 2024, Jain was named a billionaire by Forbes. In 2017, he was named a Young Global Leader by the World Economic Forum. In 2015, Forbes placed him on their “30 under 30” list. In 2012, Jain was named “30 under 30: Solution Broker” by the Christian Science Monitor, and in 2011, Inc. Magazine named him the “Best Connected 21-Year-Old in the World” while also including him on their “30 Under 30” list. Jain currently serves on the innovation board of the X-Prize Foundation and graduated from the Wharton School of Business in May 2011. Jain is married to Erika Hammond Jain, and they live in New York City.

Brian Kelly is the Founder of The Points Guy (TPG), the trusted travel media platform that has revolutionized the travel and loyalty industries. From his beginnings in finance, Brian has used his expertise and passion to transform TPG from a personal blog to an unrivaled media powerhouse with over 11 million monthly visitors. His first book, How to Win at Travel, debuted on the New York Times Best Seller list and is the ultimate resource for everything from leveraging airline and credit card points to planning your dream itinerary.

Dubbed “The Man Who Turned Credit-Card Points Into an Empire” by New York Times, Kelly’s dynamic personality, deep industry knowledge, and extensive global travels have inspired millions to make their travel dreams a reality. Brian’s valued expertise has made him a regular on top morning shows such as CBS Mornings, Good Morning America, and LIVE with Kelly & Mark and news stations including CNN, MSNBC, ABC, Bloomberg and more. Over the years, Brian’s impressive work has been recognized on AdWeek’s Young Influentials list and Travel & Leisure’s Most Notable People in Travel list, and he has been named is Forbes’ #1 Travel Influencer and an OUT100 recipient. A firm believer that travel is a global force for good, Brian currently serves as a Committee Member for Rainbow Railroad, Global Ambassador for PeaceJam, and Co-Chair of the Gbowee Peace Foundation Leadership Council.

Rich is a tech and financial services veteran with 20 years of experience, known for his iterative execution approach and leadership in data science. He focuses on developing customer-centric strategies, aligning teams around a shared vision, and prioritizing goals to deliver results. At Credit Karma, Rich built and scaled Lightbox, a consumer lending marketing engine that doubled approval rates and generated nearly $1 billion in annual revenue. Previously, he held C-level roles at Amount and FS Card, where he contributed to significant growth and profitability. Rich also led risk management for Commonwealth Bank of Australia's $30 billion credit card business, driving over $100 million in profitability growth. He began his career at Capital One in data science and credit roles and holds a BS from Georgia Tech and an MBA from Wharton.

Nikki Cross is Senior Director of Data Science Solutions at Nova Credit, where she has been since 2021. In her role, she educates and guides prospect and client teams as they analyze and create strategies built on Nova Credit's solutions, ensuring these customers can best leverage them to serve more people and expand financial access. Previously, she held senior data roles at fintech Mission Lane and the company it spun off from, LendUp, as well as TransUnion and Capital One. She has a master's in analytics and a bachelor’s in applied mathematics from Georgia Institute of Technology. 

Tim Hong joined MoneyLion in 2015 and serves as its Chief Product Officer. Prior to joining MoneyLion, Mr. Hong was a part of the founding team of Tsumobi from 2011 to 2015, where he was responsible for growth, marketing, product and analytics. Previously, Mr. Hong was Senior Vice President of Product Development and Analytics at EmSense Corporation. Mr. Hong holds a Master of Science in Management Science and Engineering from Stanford University and a Bachelor of Science in Materials Science, Engineering and Physics from MIT.

As COO of Nova Credit, Collin Galster is focused on the company’s partner, product, and international growth. Galster is a member of Nova Credit’s founding team and has served in various capacities since the company’s founding in 2016, including Head of Sales and Business Development and, most recently, VP of International where he led the company’s global expansion efforts in Canada, the UAE, and the U.K. Prior to Nova Credit, Galster was a consultant at the Boston Consulting Group, providing strategic consulting to the largest multinational financial institutions in North America, Southeast Asia and Japan.

Chris Hansen is a trailblazer in the realm of consumer lending, financial inclusion, and open banking, serving as the General Manager of Cash Atlas Solutions at Nova Credit. In his current role, Chris leads the development of products that leverage alternative credit data to assist lenders in making more informed lending choices on the 100M+ million thin file or no credit history consumers across the United States. Under Chris's leadership, Nova Credit has pioneered solutions like Cash Atlas®, which harnesses first-party financial data to provide comprehensive insights into consumers' true financial health. By advocating for the use of alternative credit data, cashflow underwriting, and open finance practices, Chris has helped financial giants like SoFi, responsibly serve new consumers from all backgrounds, ethnicities, and income tiers. Prior to his role at Nova Credit, Chris co-founded Argyle, where he spearheaded the development of innovative technology for real-time income and employment data connectivity.

Matt Lattman serves as the Senior Vice President for Card Acquisition Marketing at Discover. Prior to Discover, Matt was Chief Marketing Officer at Zero Financial, a financial technology startup. He also spent six years at Capital One in various roles, most recently as Head of Acquisition Marketing for their Consumer Bank. He joined Discover in 2019 as VP of Marketing, Pricing, and Product Strategy in Personal Loans.

Mr. Wasik is a Partner for 2^nd Order Solutions (2OS), a leading credit risk advisory firm. Over his 30 years in financial services, he has developed deep expertise in strategy, credit, operations, and loss forecasting.

As a Partner for 2OS, he has consulted to many lenders in improving their credit practices and capabilities. He has led multiple recent engagements with top 20 banks to significantly improve their Collections efforts and has led more than 50 engagements, spanning the full credit lifecycle.

Prior to joining 2OS, Mr. Wasik was at Capital One, where he led collections and recoveries for Capital One’s card and personal loan business during the Great Recession, led Capital One’s small business card portfolio (#2 VISA/MC issuer), and was one of a handful of senior credit officers.

Mr. Wasik graduated from Duke University and now lives in Richmond, Virginia.

Alex Johnson is the founder of Fintech Takes, a media brand focused on the intersection of financial services, technology, and public policy. Alex has 20+ years of experience in financial services (focused on lending and credit decisioning) with stops at FICO and Zoot Enterprises.

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Penny Crosman is Executive Editor, Technology at American Banker and its publisher, Arizent. Prior to taking on this role, she was Editor in Chief of Bank Technology News. She has held senior editorial roles at Bank Systems & Technology, Wall Street & Technology, Intelligent Enterprise, Network Magazine and Imaging Magazine.

Before being named CEO of Akoya in February 2023, Paul was a managing director at JPMorgan Chase, responsible for Chase’s open banking and data aggregation. In this role, he led the industry in building out the infrastructure to deliver greater control and protection for consumers sharing their financial data. He was responsible for Chase’s data access channel and APIs which support hundreds of millions of API calls a month for millions of consumer and small business customers sharing data with thousands of third-party apps. Through his leadership, Chase fully eliminated screen scraping in October 2022. Paul was also responsible for negotiating agreements with several leading aggregators and fintechs, standing up Chase’s own aggregation services enabling customers to access their held away finances and driving partnerships with open banking industry groups and regulators.

During his 14+ year career at Chase, Paul held additional leadership positions including the head of product for digital servicing, responsible for Chase’s online communications and servicing products used by 40 million active customers and product owner for mobile where he led the strategy and rollout of Chase’s first mobile banking apps. Paul was also the Board Co-Chair of Financial Data Exchange and served on the board of directors of Akoya. Prior to joining Chase, Paul worked in the mobile industry for Verizon and Sprint.

John McNamara is the Principal Assistant Director of Markets and the Assistant Director for Consumer Credit, Payments, and Deposits Markets in the Research, Markets and Regulations division of the Consumer Financial Protection Bureau. He leads a team of subject matter experts and analysts covering the credit card, payments, deposits, student, auto, small dollar, marketplace, and installment lending markets, as well as credit reporting, debt collection, debt relief, fintech and the use of artificial intelligence and machine learning in consumer financial services. He also manages budgeting, staffing, and administration of the Bureau’s Markets Office. Prior to joining the CFPB, John was Chief Marketing Officer for LiveVox, a leading provider of cloud contact center solutions and director/co-founder of Fidelis Recovery Solutions, Inc., a debt collector. He has over 30 years of experience in the accounts receivable management (ARM) and call/contact center industries, in addition to all phases of collections, recovery and call center operations with deep focus on technology, process improvement, compliance management systems and nine years of experience as a federal consumer financial protection regulator. McNamara also served as COO for Asset Management Outsourcing, Inc., SVP of Banking and Retail Operations for First Data Corporation’s ARM unit, Nationwide Credit/ACB, and VP of Operations for United Recovery Systems, LP.

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Sarah Davies has over 20 years experience in the financial services sector, serving as an executive leader and innovator in the analytics and decision science field. She previously was the Chief Data & Analytics Officer at Nova Credit and the Senior Vice President of Product, Analytics and Research at VantageScore Solutions, LLC where she led the development of the VantageScore credit scoring models. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis. She holds several patents in both the credit analytics and airline optimization fields. She is a frequent speaker and educator on credit risk and consumer behavioral analytics.

Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like American Express, Verizon, HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Das Mohandas currently serves as GM and Chief Lending Officer at Varo Bank. He is an accomplished executive with extensive expertise across the entire credit product lifecycle, including product development, origination strategies, portfolio risk management, and debt management.

Brent Montgomery is a seasoned financial services executive with over 21 years of experience in credit risk management, fraud prevention, and data analytics. Currently serving as Senior Vice President and Head of Credit Risk Management at Credit One Bank in Las Vegas, he oversees the complete end-to-end credit lifecycle management, including credit underwriting strategies, fraud prevention, and payment risk strategies.

Throughout his career, Brent has held senior positions at major financial institutions including Bank of America, where he spent nearly a decade managing card credit strategies and first-party fraud prevention, and Continental Finance Corporation, where he was instrumental in launching their credit card line of business. He holds a Bachelor of Science in Finance from Goldey-Beacom College and is recognized for his strong leadership abilities and comprehensive expertise spanning credit strategy, risk management, collections, and model development.

Ryan Caldwell is the Founder and CEO of MX. He also currently serves as the Chairman of the MX Board of Directors. Before founding MX in 2010, Ryan built and successfully exited several technology startups, as well as consulted in Silicon Valley, Singapore, and London for some of the world’s leading companies including Visa and Microsoft.

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Bill Garber is the Senior Vice President for Credit Policy and Analytics at Navy Federal Credit Union, where he has served for over 20 years. He leads a team responsible for managing credit risk and pricing strategies across a broad spectrum of lending products. His team also oversees loss forecasting, reserve modeling, data furnishing, and credit bureau dispute resolution. Over the course of his career at Navy Federal, Bill has also led operational risk and fair lending functions. Before joining Navy Federal, Bill spent eight years at Commerce Bank in St. Louis. He began his career in academia, teaching political science courses in the St. Louis area after completing graduate studies. Bill holds a Bachelor of Arts in Foreign Affairs from the University of Virginia. He pursued graduate work in European Politics and International Economics at the Johns Hopkins School of Advanced International Studies (SAIS) in Bologna, Italy, and Washington, D.C., and in Comparative Politics at Northwestern University. Outside of work, Bill enjoys traveling with his wife and children, hiking, biking, exploring new restaurants, and watching soccer.

Evan Bryman serves as the Chief Product and Strategy Officer at Concora Credit, where he has worked for over 15 years since November 2009. Based in Akron, Ohio he has held various leadership roles at the company, including Chief Operating Officer, President of General Purpose Credit Cards, and VP of Balance Transfer Cards. Prior to Concora Credit, Evan spent 11 years at Capital One in roles including Business Director and Credit Officer, Business Manager in Marketing, and Business Manager & Analyst in Product Development. He holds an MBA from Duke University's Fuqua School of Business and a B.Sc. in Physics from McGill University.

Debtosh Banerjee is the President of Seen Finance, bringing extensive expertise in consumer lending and fintech transformation. Seen Finance is a fintech that in partnership with a partner bank provides Credit Cards directly to consumers. Prior to joining Seen, he served as Senior Vice President and Head of Card and Banking at Avant, a high-growth financial technology company, after spending more than decade in US Bank and HSBC. Debtosh has a Master degree from University of Chicago and Bachelor degree from West Bengal University of Technology.

Nichole is the Co-founder of Credit Karma and former Chief Revenue Officer. She previously served as financial services sales director at Compete, which was acquired by TNS Media. She brings deep expertise in consumer credit, fintech innovation, and revenue strategy to guide the strategic discussion. Nichole holds a Doctorate degree from Miami University.

Kevin Feltes is the CEO of the Financial Data Exchange. FDX is a non-profit company dedicated to helping businesses build safer methods for enabling customers to safely share their financial data. FDX does this by bringing together diverse stakeholders to define common technical standards that make permissioned data sharing work better at scale across the industry.

Chris McCall is a financial services executive with 20+ years delivering financial results and building and leading teams in the lending industry. He combines a strong understanding of consumer behavior and P&L outcomes with deep statistical experience to solve problems from multiple perspectives. As a leader, Chris invests heavily in cross-functional collaboration as a means to deliver the best answers and to create a culture where everyone sees their contribution to a team result. Within teams, Chris enjoys creating a strong sense of ownership and accountability and investing in competency development to help each team member grow their results and careers.

Ankur Jain is the Founder and CEO of Bilt Rewards, the nation’s largest residential payments and neighborhood loyalty program. The program is the first of its kind to allow renters to earn points on rent payments and rewards on spend at local neighborhood businesses—all while helping build a path to homeownership. Bilt was developed in partnership with an alliance of the nation’s largest real estate owners and operators, representing over 4.5 million homes across the United States. The company is chaired by Kenneth Chenault, the former CEO of American Express, and in August 2024 was valued at $3.25 billion. Jain is also the Founder of Kairos, a venture studio building companies to tackle the world’s greatest challenges. Currently, the Kairos portfolio of brands is focused on making essential services like housing and healthcare more affordable. Over the years, Kairos has helped launch and grow over $6.5 billion worth of companies tackling problems in healthcare, housing costs, transportation networks, and more. Before rejoining Kairos in May 2017, Jain was the Head of Product at Tinder, the world’s largest social network for meeting people. He joined Tinder after it acquired his previous company, Humin, where he served as Founder and CEO. Over the years, Jain has been recognized for a variety of achievements. In April 2024, Jain was named a billionaire by Forbes. In 2017, he was named a Young Global Leader by the World Economic Forum. In 2015, Forbes placed him on their “30 under 30” list. In 2012, Jain was named “30 under 30: Solution Broker” by the Christian Science Monitor, and in 2011, Inc. Magazine named him the “Best Connected 21-Year-Old in the World” while also including him on their “30 Under 30” list. Jain currently serves on the innovation board of the X-Prize Foundation and graduated from the Wharton School of Business in May 2011. Jain is married to Erika Hammond Jain, and they live in New York City.

Brian Kelly is the Founder of The Points Guy (TPG), the trusted travel media platform that has revolutionized the travel and loyalty industries. From his beginnings in finance, Brian has used his expertise and passion to transform TPG from a personal blog to an unrivaled media powerhouse with over 11 million monthly visitors. His first book, How to Win at Travel, debuted on the New York Times Best Seller list and is the ultimate resource for everything from leveraging airline and credit card points to planning your dream itinerary.

Dubbed “The Man Who Turned Credit-Card Points Into an Empire” by New York Times, Kelly’s dynamic personality, deep industry knowledge, and extensive global travels have inspired millions to make their travel dreams a reality. Brian’s valued expertise has made him a regular on top morning shows such as CBS Mornings, Good Morning America, and LIVE with Kelly & Mark and news stations including CNN, MSNBC, ABC, Bloomberg and more. Over the years, Brian’s impressive work has been recognized on AdWeek’s Young Influentials list and Travel & Leisure’s Most Notable People in Travel list, and he has been named is Forbes’ #1 Travel Influencer and an OUT100 recipient. A firm believer that travel is a global force for good, Brian currently serves as a Committee Member for Rainbow Railroad, Global Ambassador for PeaceJam, and Co-Chair of the Gbowee Peace Foundation Leadership Council.

Rich is a tech and financial services veteran with 20 years of experience, known for his iterative execution approach and leadership in data science. He focuses on developing customer-centric strategies, aligning teams around a shared vision, and prioritizing goals to deliver results. At Credit Karma, Rich built and scaled Lightbox, a consumer lending marketing engine that doubled approval rates and generated nearly $1 billion in annual revenue. Previously, he held C-level roles at Amount and FS Card, where he contributed to significant growth and profitability. Rich also led risk management for Commonwealth Bank of Australia's $30 billion credit card business, driving over $100 million in profitability growth. He began his career at Capital One in data science and credit roles and holds a BS from Georgia Tech and an MBA from Wharton.

Nikki Cross is Senior Director of Data Science Solutions at Nova Credit, where she has been since 2021. In her role, she educates and guides prospect and client teams as they analyze and create strategies built on Nova Credit's solutions, ensuring these customers can best leverage them to serve more people and expand financial access. Previously, she held senior data roles at fintech Mission Lane and the company it spun off from, LendUp, as well as TransUnion and Capital One. She has a master's in analytics and a bachelor’s in applied mathematics from Georgia Institute of Technology. 

Tim Hong joined MoneyLion in 2015 and serves as its Chief Product Officer. Prior to joining MoneyLion, Mr. Hong was a part of the founding team of Tsumobi from 2011 to 2015, where he was responsible for growth, marketing, product and analytics. Previously, Mr. Hong was Senior Vice President of Product Development and Analytics at EmSense Corporation. Mr. Hong holds a Master of Science in Management Science and Engineering from Stanford University and a Bachelor of Science in Materials Science, Engineering and Physics from MIT.

As COO of Nova Credit, Collin Galster is focused on the company’s partner, product, and international growth. Galster is a member of Nova Credit’s founding team and has served in various capacities since the company’s founding in 2016, including Head of Sales and Business Development and, most recently, VP of International where he led the company’s global expansion efforts in Canada, the UAE, and the U.K. Prior to Nova Credit, Galster was a consultant at the Boston Consulting Group, providing strategic consulting to the largest multinational financial institutions in North America, Southeast Asia and Japan.

Chris Hansen is a trailblazer in the realm of consumer lending, financial inclusion, and open banking, serving as the General Manager of Cash Atlas Solutions at Nova Credit. In his current role, Chris leads the development of products that leverage alternative credit data to assist lenders in making more informed lending choices on the 100M+ million thin file or no credit history consumers across the United States. Under Chris's leadership, Nova Credit has pioneered solutions like Cash Atlas®, which harnesses first-party financial data to provide comprehensive insights into consumers' true financial health. By advocating for the use of alternative credit data, cashflow underwriting, and open finance practices, Chris has helped financial giants like SoFi, responsibly serve new consumers from all backgrounds, ethnicities, and income tiers. Prior to his role at Nova Credit, Chris co-founded Argyle, where he spearheaded the development of innovative technology for real-time income and employment data connectivity.

Matt Lattman serves as the Senior Vice President for Card Acquisition Marketing at Discover. Prior to Discover, Matt was Chief Marketing Officer at Zero Financial, a financial technology startup. He also spent six years at Capital One in various roles, most recently as Head of Acquisition Marketing for their Consumer Bank. He joined Discover in 2019 as VP of Marketing, Pricing, and Product Strategy in Personal Loans.

Mr. Wasik is a Partner for 2^nd Order Solutions (2OS), a leading credit risk advisory firm. Over his 30 years in financial services, he has developed deep expertise in strategy, credit, operations, and loss forecasting.

As a Partner for 2OS, he has consulted to many lenders in improving their credit practices and capabilities. He has led multiple recent engagements with top 20 banks to significantly improve their Collections efforts and has led more than 50 engagements, spanning the full credit lifecycle.

Prior to joining 2OS, Mr. Wasik was at Capital One, where he led collections and recoveries for Capital One’s card and personal loan business during the Great Recession, led Capital One’s small business card portfolio (#2 VISA/MC issuer), and was one of a handful of senior credit officers.

Mr. Wasik graduated from Duke University and now lives in Richmond, Virginia.

Alex Johnson is the founder of Fintech Takes, a media brand focused on the intersection of financial services, technology, and public policy. Alex has 20+ years of experience in financial services (focused on lending and credit decisioning) with stops at FICO and Zoot Enterprises.

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Penny Crosman is Executive Editor, Technology at American Banker and its publisher, Arizent. Prior to taking on this role, she was Editor in Chief of Bank Technology News. She has held senior editorial roles at Bank Systems & Technology, Wall Street & Technology, Intelligent Enterprise, Network Magazine and Imaging Magazine.

Before being named CEO of Akoya in February 2023, Paul was a managing director at JPMorgan Chase, responsible for Chase’s open banking and data aggregation. In this role, he led the industry in building out the infrastructure to deliver greater control and protection for consumers sharing their financial data. He was responsible for Chase’s data access channel and APIs which support hundreds of millions of API calls a month for millions of consumer and small business customers sharing data with thousands of third-party apps. Through his leadership, Chase fully eliminated screen scraping in October 2022. Paul was also responsible for negotiating agreements with several leading aggregators and fintechs, standing up Chase’s own aggregation services enabling customers to access their held away finances and driving partnerships with open banking industry groups and regulators.

During his 14+ year career at Chase, Paul held additional leadership positions including the head of product for digital servicing, responsible for Chase’s online communications and servicing products used by 40 million active customers and product owner for mobile where he led the strategy and rollout of Chase’s first mobile banking apps. Paul was also the Board Co-Chair of Financial Data Exchange and served on the board of directors of Akoya. Prior to joining Chase, Paul worked in the mobile industry for Verizon and Sprint.

John McNamara is the Principal Assistant Director of Markets and the Assistant Director for Consumer Credit, Payments, and Deposits Markets in the Research, Markets and Regulations division of the Consumer Financial Protection Bureau. He leads a team of subject matter experts and analysts covering the credit card, payments, deposits, student, auto, small dollar, marketplace, and installment lending markets, as well as credit reporting, debt collection, debt relief, fintech and the use of artificial intelligence and machine learning in consumer financial services. He also manages budgeting, staffing, and administration of the Bureau’s Markets Office. Prior to joining the CFPB, John was Chief Marketing Officer for LiveVox, a leading provider of cloud contact center solutions and director/co-founder of Fidelis Recovery Solutions, Inc., a debt collector. He has over 30 years of experience in the accounts receivable management (ARM) and call/contact center industries, in addition to all phases of collections, recovery and call center operations with deep focus on technology, process improvement, compliance management systems and nine years of experience as a federal consumer financial protection regulator. McNamara also served as COO for Asset Management Outsourcing, Inc., SVP of Banking and Retail Operations for First Data Corporation’s ARM unit, Nationwide Credit/ACB, and VP of Operations for United Recovery Systems, LP.

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Sarah Davies has over 20 years experience in the financial services sector, serving as an executive leader and innovator in the analytics and decision science field. She previously was the Chief Data & Analytics Officer at Nova Credit and the Senior Vice President of Product, Analytics and Research at VantageScore Solutions, LLC where she led the development of the VantageScore credit scoring models. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis. She holds several patents in both the credit analytics and airline optimization fields. She is a frequent speaker and educator on credit risk and consumer behavioral analytics.

Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like American Express, Verizon, HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.