2019 Independents Conference & Exposition April 16th-18th

Final Program

3:15 p.m. – 4:15 p.m.

Independents Section Board Meeting

6:00 p.m. – 9:30 p.m.

AFSAPAC President’s Club Event

For questions about AFSAPAC President’s Club contact Susan Sullivan

8:30 a.m. – 9:30 a.m.

Leadership Development Program Steering Committee

8:00 a.m. – 8:40 a.m.

Independent Auto Finance Executives Group Breakfast

8:40 a.m. – 11:30 a.m.

Independent Auto Finance Executives Group Meeting

9:30 a.m. – 10:30 a.m.

THE EDGE Advisory Board

10:30 a.m. – 12:30 p.m.

AFSA Education Foundation Board with Lunch

11:00 a.m. – 5:00 p.m.

Exhibitor Move In

12:00 p.m. – 1:30 p.m.

Business Partner Board Meeting with Lunch

12:00 p.m. – 1:45 p.m.

Executive Committee Meeting with Lunch

2:00 p.m. – 4:00 p.m.

AFSA Board of Directors

3:45 p.m. – 5:00 p.m.

Marketing & Communications Committee

4:00 p.m. – 5:00 p.m.

Installment Lending Tech Task Force

4:00 p.m. – 6:00 p.m.

Women’s Leadership Council
Mary Haskett , CEO and Founder, Blink Identity, will speak to the council about her life story.

5:30 p.m. – 6:15 p.m.

VIP and New Member Reception

6:15 p.m. – 7:45 p.m.

Welcoming Party with Exhibitors

7:45 p.m. – 9:30 p.m.

Lone Star State Dinner & AFSAPAC Auction

8:00 a.m. – 8:30 a.m.

Breakfast with Exhibitors

8:30 a.m. – 10:15 a.m.

Opening General Session & Keynote with Chris Stirewalt
Join the opening session for an update on the political environment in Washington. Find out what is expected from the new congress and the Trump administration.

Welcome by Independents Section Chairman

AFSA Update and Initiatives

AFSA Education Foundation Update and the Outstanding Independent Award

10:00 a.m. – 10:30 a.m.

Refreshment Break with Exhibitors

10:45 a.m. – 11:45 a.m.

General Session: Legislative & Legal with an AFSAPAC Update

Join us for a legislative and legal update with two executives at AFSA along with an AFSAPAC update from the AFSAPAC Chair

Danielle Arlowe, Senior Vice President, American Financial Services Association
Ann Carmichael, Vice President, Congressional Affairs American Financial Services Association

AFSPAC Chair Report
Stan Butler, President & CEO, Heights Finance Corporation

11:45 a.m. – 1:15 p.m.

Luncheon with Exhibitors

1:30 p.m. – 2:30 p.m.

HR Committee Roundtable

1:30 p.m. – 2:45 p.m.

State Traditional Installment Lending Subcommittee

1:15 p.m. – 2:00 p.m.

Education Sessions:

  • A. RSM/AFSA Independents Financial Survey with Speakers:
    RSM once again shares the results of their AFSA Member Survey with attendees. The company has provided this data to AFSA members for more than 27 years with the objective of providing a key benchmarking tool to participating companies. In 2018, the survey represented more than $15 billion in assets from both direct and indirect lenders.

    Joe Kaczmarek, CPA, MBA, Assurance Partner, Specialty Finance Practice Leader – Great Lakes Region
    Robert McMurry, Assurance Senior Manager, Specialty Finance
    Brandon Hollis, Assurance Senior Manager, Specialty Finance
    Scott Ruby, MST, CPA, CGMA, Senior Tax Director, Specialty Finance

  • B. Competition and Transparency: the true friends of the consumer and your bottom line


    Tim Ranney, President & CEO, Fintech Credit Innovations, Inc.
    Leslie Parrish, Senior Analyst, Retail Banking Aite Group

2:00 p.m. – 2:45 p.m.

Refreshment Break with Exhibitors

2:45 p.m. – 3:30 p.m.

Education Sessions:

  • C. Practicable Approaches to Analyzing Your Data
    This session will improve your data analytics skills and simplify your decisions by providing a better understanding of your information. Learn to improve underwriting decisions to more customers white minimizing risk.

    Moderator: Dan Walters, CEO, Credit Central, LLC

    Eduardo Cheng, Analytics Senior Director, FICO
    Lou Loquasto, Automotive Finance Leader, Equifax
    Chris Mitcham, Senior Vice President, Servicing Security National Automotive Acceptance Co.
    Ian Rehmert, Ph.D. Chief Risk Officer, Republic Finance, LLC

  • D. Rewards & Recognition: Psychology of Employee Incentives
    Retaining employees in today’s environment is very difficult. This session of experts will address creative ways to motivate and engage staff.
    Moderator: Valerie Tolhurst, SHRM-SCP, Director, Human Resources, Brundage Management
    Christopher Demers, CP, SMRM-SCP, SPHR, Human Resources Consultant, HR Business Partner, Lime
    Terri Horn, Managing Director, People Strategies, Inc.

3:45 p.m. – 5:00 p.m.

Operations Committee

3:45 p.m. – 5:00 p.m.

Independents Accounting Committee

5:00 p.m. – 6:30 p.m.

Reception with Exhibitors

6:30 p.m.

Open Evening for Private Entertaining

7:30 a.m. – 8:00 a.m.

Breakfast with Exhibitors

8:00 a.m. – 9:00 a.m.

General Session: How to Communicate with Millennials

Gabrielle Bosché began the Millennials Solution when she was 25 years old. She helps managers optimize their Millennial talent as well as empower Millennials to excel at their workplace and beyond. She offers workshops on engaging Millennials at work and regularly speaks on generational collaboration and how to manage and motivate the next generation. She runs an international training and consulting company working with a broad range of clients – from automotive giants to boutique media shops to the United States government. They develop strategies that meet Millennials’ needs, including marketing plans, recruiting and hiring strategies, and onboarding/mentoring programs to boost retention.

9:00 a.m. – 9:30 a.m.

Refreshments with Exhibitors

9:30 a.m. – 10:15 a.m.

Education Sessions:

  • E. Access to Funding: Bank Lending: In this session, our panel will provide insight to owners and CFO’s of finance companies regarding senior credit facilities as the primary source of funding their portfolio. The panel will touch on revolving LOC’s and term notes, corporate debt or special purpose vehicle structures, preferred asset classes, financial covenants, advance rates and key attributes senior lenders seek in prospective borrowers.

    Shawn Bradley, Managing Director, Commercial Banking & Specialty Finance, CIBC
    Jay Cook, Senior Vice President, CapitalSource
    David Fricke, Executive Vice President, LOB Manager Lender Finance, Texas Capital Bank
    J. Gluntz, Vice President, Manager Structured Warehouse, Park National Bank
    Guadalupe Marquez, Director, Financial Institutions Group, BMO Harris Bank
    Tom Murphy, Executive Vice President, Head of Consumer Asset-Backed Lending, Wells Fargo Preferred Capital

  • F. Creating a Digital Branch Office
    For lenders who rely on brick-and-mortar locations to serve customers, a roadmap towards operating a digital presence is an imperative. Decisions about how to embrace digitized business processes are particularly challenging. On the one hand, going digital offers increases in efficiency and scale with the added benefit of reaching consumers who prefer electronic communications. On the other hand, integrating new automation into legacy processes with traditionally trained personnel can be fraught with danger. Drawing on his deep experience guiding financial institutions through digital transformation, David Wind of DAW Partners LLC will walk us through the considerations consumer finance companies face when designing and implementing business models that flexibly leverage the best of both worlds: digital and person-to-person.

    Speaker: David Wind, Managing Member, Daw Partners, LLC

10:30 a.m. – 11:30 a.m.

Education Roundtables:

  • 1. Responding to Credit Disputes – What are the Bureaus doing to Help?
    Drew Rosedale, Data Contributor Services, Equifax
  • 2. Competing in a Digital Market:
    Philip Bohi, Vice President, Compliance Education, American Financial Services Association
  • 3. Dealing with Compliance:
    Brandon Bottomley, Regional Vice President. Bond Division, Allied Solutions, LLC
  • 4. State Issues:
    Matt Kownacki, Director State Research & Policy, AFSA
  • 5. Competing in a Digital Market:
    Nancy Sherr, Executive Vice President, Chief Marketing Officer, 1st Franklin Financial Corp
  • 6. Dealing with Compliance in Auto Lending:
    Andy Mayers, Senior Business Director, Cox Automotive, Inc.
  • 7. HR Hot Topics:
    Sheri Wilford, President, LPI Loans
  • 8. Virtual Billing & Payment Trends
    75% of lenders are currently developing new billing and payment methods. See the latest research on what it takes to keep UP with the Joneses, boost collections and shrink costs.
    Darcy Locke, Senior New Business Development Executive, ACI Worldwide
  • 9.Open Forum:
    Brad Noel , Executive Vice President, Director of Branch Operations, Republic Finance, LLC
  • 10. AFSA Education Foundation: MoneySkill & Development Management Programs:
    Rex Ellison, AFSA EF Chairman and President, Republic Finance, LLC
  • 11. AFSA PULSE:
    George Halloran, Director, Jericho Information Technology
  • 12. What Installment Lenders Need to Know About the CFPB’s Payday Rule:
     Ronald D. Gorsline, Partner, Hudson Cook, LLP
  • 13. Alternative Financial Services Lending Trends:
    Steve Fleming, Manager, Analytics R&D, Clarity Services

11:30 a.m. – 1:00 p.m.

Champions Club Luncheon-Guest Speaker and Outstanding Employee Awards

Melissa Stockwell, a retired US Army 1st Lieutenant, World Champion Triathlete, & 2016 Paralympic Bronze Medalist will end the conference telling us her inspiring story.

AFSAPAC $10,000 Raffle

2:00 p.m. – 8:30 p.m.

AFSA Golf Tournament with Reception & Dinner (sponsored by ACI Worldwide) 

6:00 p.m. – 7:30 p.m.

Closing Reception (for non-golfers)