CBA Webinars

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Maren Colon
mcolon@consumerbankers.com
202-552-6394

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  • Payment Fraud Trends: Post EMV

    Contains 1 Component(s)

    As the payments industry continues to make progress with EMV implementation in the United States, it remain important for stakeholders to continue to monitor the landscape for the latest trends in fraud schemes.

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    PRESENTER:

    Lori Hodges, Senior Director, North America Risk Services, Visa Inc.

    ABOUT THE WEBINAR:

    As the payments industry continues to make progress with EMV implementation in the United States, it remain important for stakeholders to continue to monitor the landscape for the latest trends in fraud schemes.  This webinar will cover a number of key issues and hot topics that will require ongoing stakeholder attention as fraudsters change their tactics.

    THIS WEBINAR WILL COVER:

    1. Progress report on the EMV Migration
    2. Current trends in payment fraud
    3. What to be on the lookout for

    TOP 3 BENEFITS TO ATTENDEES:

    1. Understand key trends in frauds
    2. Insights on where fraudsters might be heading next
    3. How to better protect your customers

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Lori Hodges

    Senior Director, North America Risk Services, Visa Inc.

    Lori is currently serving as a US Risk Services Manager in Visa’s North America Risk Division where she has been engaged to consult with US Issuers, Issuer Processors and Group Service Providers on Risk trends and Fraud management using an analytic approach.  Prior to Risk, Lori was engaged to consult with Visa’s largest global merchant clients on specific business opportunities and challenges as well as incubating new product ideas to meet the needs of Visa clients.  Prior to Visa, Lori spent over 20 years in the Payments Industry on the processing, Acquirer and Issuer sides of the business. Specific disciplines include Product Strategy, Product Management and Operations.

  • Millennials; a Tale of Two Cohorts

    Contains 1 Component(s)

    In many ways, the millennial generation is a victim of branding; most people still think of them as they did when the term first came into vogue in the early 2000s. But no one’s the person they were 17 years ago, and the same is true for millennials.

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    PRESENTER:

    John Hedlund, Vice President - Issuer Marketing, Mastercard

    ABOUT THE WEBINAR:

    In many ways, the millennial generation is a victim of branding; most people still think of them as they did when the term first came into vogue in the early 2000s. But no one’s the person they were 17 years ago, and the same is true for millennials. Over the course of this conversation, we’ll discuss some of the observed financial behaviors of millennials as compared to other cohorts, try to understand key differences, and make a case that this monolithic generation is really much more nuanced.


    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    John Hedlund

    Vice President – Issuer Marketing, Mastercard

    John has spent over 15 years in the payments industry in a variety of strategy, account management, and marketing roles, including managing global retail fuel merchants and leading the emerging industry business development team at American Express. He currently leads the US Issuer Marketing Team for Mastercard, which creates marketing platforms and activations to support the business objectives of Mastercard’s issuing partners. Perhaps his most useful work experience, however, was the two years that he spent teaching second grade in Houston, Texas, an experience whose lessons have a remarkable amount of staying power, even today.

  • Hot Topics in Fair Lending

    Contains 1 Component(s)

    Discussion of three of the hottest topics and emerging issues in fair lending today.

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    PRESENTER(S):

    B. Scott Fisher, Managing Director, Treliant
    Carl G. Pry, Managing Director, Treliant
    Rebecca (Lynn) Woosley, Engagement Director, Treliant

    ABOUT THE WEBINAR:

    Discussion of three of the hottest topics and emerging issues in fair lending today.

    THIS WEBINAR WILL COVER:

    1. New HMDA data and using it in analytics
    2. Small business fair lending analysis
    3. Reasonably Expected Market Areas (REMAs)

    TOP 3 BENEFITS TO ATTENDEES:

    1. Explore uses of new HMDA data
    2. Learn best practices for small business fair lending
    3. Discuss redlining, assessment areas, and REMAs

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    B. Scott Fisher

    Managing Director, Chief Revenue & Strategy Officer, Treliant Risk Advisors

    Scott Fisher, Managing Director of Treliant, is a senior financial services executive with a 32-year career in banking, including responsibility for mortgage, retail banking, consumer credit, product management, investments, private banking, commercial banking, network planning, e-commerce, call centers, and operations. He has overseen large-scale mortgage originations, fulfillment, and servicing at major US banks. He has overseen annual originations of $11 billion, a balance sheet of $3 billion in residential mortgages, and a servicing portfolio of $8 billion.

    Scott has led multiple mergers and acquisitions from due diligence through integration, as well as variable compensation design and administration, credit policy, and balance sheet/liquidity management. He has significant regulatory relations experience, including state and federal examinations, complaint resolution, and exam remediation. Scott has partnered to build compliance programs in retail banking, brokerage, mortgage, and wealth management from the first-line-of-defense perspective.

    At Treliant, Scott counsels clients on sales practices, third-party risk management, mortgage operations, brokerage, and compliance matters. He has a hands-on perspective on the industry, future trends, and emerging risks, enabling him to provide strategic and practical advice to financial services companies on the challenges they face today. Scott also directs Treliant’s strategy and business development and coordinates the firm’s business with affiliated organizations in his operating role of Chief Revenue and Strategy Officer. He is a member of Treliant’s Executive Leadership Team, based in Washington, DC.

    Prior to joining Treliant, Scott held senior leadership positions with First Niagara Financial Group and Wachovia National Bank. He is active in financial services trade associations, including the Consumer Bankers Association, American Bankers Association, and Mortgage Bankers Association. He is a graduate of the University of North Carolina at Chapel Hill with a BS in Business Administration.

    Carl G. Pry

    Managing Director, Treliant Risk Advisors

    Carl Pry, Managing Director of Treliant, is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks and industry consulting firms. Carl advises clients on commercial compliance, fair lending, corporate treasury and risk management.

    Over the last 18 years, Carl has held senior leadership positions including Senior Vice President and Compliance Manager for the Compliance and Control Division at KeyBank, Manager of Finance and Performance Management Service Line at Accenture, and Vice President of Regulatory Services at Kirchman Corporation. With strong knowledge and experience as a banking attorney and officer, Carl is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine.  As a featured speaker for numerous banking, compliance, and state bar associations, he has led training sessions across the country. Carl has served as an instructor at FDIC examiner school and back-up instructor for NCUA examiner school.  He has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy and risk management.

    Carl is a columnist for ABA Bank Compliance and ABA Bank Marketing magazines.  He has authored scores of articles on financial issues and developed testing and support materials for BAI’s Anti-Money Laundering Professional certification and served as subject matter expert for web-based compliance and audit educational testing programs for banking training firms.  He is the author of “Internet Banking Manual”, a comprehensive guide to business planning, risk analysis and maintaining a presence for financial institutions on the Internet. For LexisNexis, he also authored “The New RESPA Rule: Navigating New Disclosures” and “The Evolution of Reg. Z: Increased Duties and Responsibilities for Lenders.”

    Carl holds a JD and an MBA from the University of Toledo and a BSBA from Bowling Green State University. He is also a Certified Regulatory Compliance Manager and Certified Risk Professional. 

    Rebecca (Lynn) Woosley

    Engagement Director, Treliant

    Lynn Woosley is an Engagement Director with Treliant.  She is a seasoned executive with extensive risk management experience in regulatory compliance, consumer and commercial credit risk, credit and compliance risk modeling, model governance, regulatory change management, acquisition due diligence, and operational risk in both financial services and regulatory environments.

    Over the last two decades, Lynn has held leadership positions including Senior Vice President and Fair and Responsible Banking Officer; Group Vice President for Wholesale Transaction Modeling; and First Vice President for Portfolio Management within the Enterprise Risk Management division of a top 10 bank.  Prior to joining the private sector, Lynn served as Senior Examiner and Economist at the Federal Reserve Bank of Atlanta.

    With strong knowledge and experience across multiple risk disciplines, Lynn has been a featured speaker for numerous banking, compliance, and CRA conferences across the country. Lynn has authored several articles and presentations on financial institution risk management and consumer protection issues.  She has also developed training materials related to fair lending, fair housing, UDAAP, credit risk management, credit scoring, and consumer protection topics.

    Lynn holds a BBA and an MBA from Middle Tennessee State University and an MS Finance from Georgia State University.  She is a Certified Regulatory Compliance Manager and a Commissioned Examiner of the Federal Reserve System. Lynn has also served as both Chair and Vice-Chair of the Consumer Bankers Association’s Fair and Responsible Banking Committee.

  • Agile Customer Management: Attaining the Right Customer-Product Fit to Achieve Your Portfolio Objectives

    Contains 1 Component(s)

    In this webinar, portfolio owners will learn how to create a closed-loop system encompassing the back office, marketing, and omni-channel client interactions to inform more defensible, reliable, and achievable portfolio objectives.

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    PRESENTER:

    Frank Bria, VP of Digital Engagement, Nomis Solutions

    ABOUT THE WEBINAR:

    The disconnect between back office goal setting, marketing campaigns, and front-line execution is the #1 reason banks fail to meet their strategic portfolio objectives. When banks don’t connect the dots between these functions and continue to rely on traditional demographic segmentation and advertising campaigns, they experience revenue stream leakage and get out-maneuvered by more efficient competitors. No matter how well-planned the strategy, it can’t be successful when marketing and client-facing employees (or systems) don’t have the right tools to align their efforts. Similarly, back office strategic planning needs to include a timely analysis of data captured at customer touchpoints to provide realistic guidance.

    In this webinar, portfolio owners will learn how to create a closed-loop system encompassing the back office, marketing, and omni-channel client interactions to inform more defensible, reliable, and achievable portfolio objectives. Industry veteran Frank Bria will provide specific examples of how this approach can transform your entire retail banking portfolio, including residential lending and deposits. As a result, the bank can deliver value to customers and stockholders by ensuring that the right clients are receiving the right products at the right price.

    THIS WEBINAR WILL COVER:

    1. Translating strategic objectives into pricing, offers, and segmentation that drive results across your entire retail banking portfolio, including residential lending and deposits
    2. Ensuring that your targeted offers are viewed by key customer segments that are critical for achieving strategic goals
    3. Solving the “last mile” problem by extending analytically derived pricing and offers seamlessly across banking channels

    TOP 3 BENEFITS TO ATTENDEES:

    1. Become more competitive by going beyond traditional demographic segmentation to leverage customer behavioral data.
    2. Improve KPIs by learning how to implement customer-level tactics that connect the dots between strategy setting, marketing, and front-line execution.
    3. Meet portfolio goals more efficiently by increasing your ability to identify ideal customers and your effectiveness in presenting them with targeted offers across channels.

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Frank Bria

    VP of Digital Engagement, Nomis Solutions

    Frank Bria has more than 15 years of experience in the financial services sector involving data analysis, loss forecasting, marketing analytics, and technology process design supporting retail banking. Frank is one of the pioneers of price optimization in retail banking having conducted some of the first implementations and pilots in the industry. He also has experience in customer experience design including account opening, servicing, and collections processing. His specialty is using data and analytics to improve processes and deliver bottom-line results.

    Frank's experience includes consulting for 9 of the top 10 retail banks in the United States as well as 5 of the top global 15. A former analyst for CEB TowerGroup covering analytics in the retail banking space, Frank has published a number of reports on price optimization, customer profitability, and customer experience. In previous positions, he designed software offerings in price optimization and loss mitigation analytics at Earnix, Cambio Technologies, Response Analytics and Khimetrics/SAP and provided technology and analytic support to a number of operational processes at Capital One.

    The author of the book Seven Billion Banks, Frank has been a featured speaker and contributor at a number of industry conferences worldwide. Frank holds a Master of Science in mathematics from Purdue University and a Bachelor of Science in mathematics from Brigham Young University. He is a certified Six Sigma Black Belt.

  • Reimagining the SME Business Model

    Contains 1 Component(s)

    The Small & Medium Enterprise (SME) banking model, which encompasses traditional Small Business and Business Banking, is a priority growth area for mid-size and regional banks.

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    PRESENTERS:

    Robert Griffin, Managing Director, Novantas
    Matthew Sharp, VP, Head of Market Research, Novantas

    ABOUT THE WEBINAR:

    The Small & Medium Enterprise (SME) banking model, which encompasses traditional Small Business and Business Banking, is a priority growth area for mid-size and regional banks.  However, the traditional SME banking model is broken and vulnerable to additional disruption. To capitalize on the SME deposit opportunity and to profitably grow the business, regional banks need to rethink their go-to-market strategy and distribution model.This discussion will focus on recent insights to support a new approach to SME banking.

    THIS WEBINAR WILL COVER:

    1. Review changes in SME customer attitudes and behaviors
    2. Discuss a new approach for identifying priority customer segments
    3. Assess the need for new product and sales/service capabilities to attract target customers

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Robert Griffin

    Managing Director, Novantas,

    Robert Griffin is a Managing Director at Novantas, Inc., in the Marketing, Distribution Strategy Business Unit. His primary areas of focus are sales management, sales model design and customer experience design across the Consumer, Wealth, Small Business and Commercial lines-of-business. Robert has demonstrated success in accelerating sales and profit growth and improving competitiveness through the application of proven sales strategies and models at leading banking institutions. He brings more than 15 years experience in the financial services industry. Robert received an undergraduate degree from Georgetown University and an MBA from The University of Notre Dame.

    Matthew Sharp

    VP, Head of Market Research, Novantas

    Matthew is Vice President and Head of Customer Knowledge at Novantas. Matthew is an expert at analyzing drivers of human decision-making and the effect of brand marketing on those decisions. In his role, he leads primary research globally for the company, collecting data and insights across a broad spectrum of banking-related topics spanning consumer, business and commercial banking.

  • Critical Considerations to Enable Effective Fraud Management

    Contains 1 Component(s)

    We will discuss drivers and trends in the market, strategic considerations for development of effective fraud mitigation, and how key technologies and best practices can combine to combat fraud.

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    PRESENTER:

    Andrew Davies, VP, Global Market Strategy, Financial Crime Risk Management

    ABOUT THE WEBINAR:

    The fraud ecosystem continues to evolve at record pace, and while new technologies and new channels increase opportunities for engagement, they also bring new opportunities for fraud. As customer expectations for real-time, omni-channel engagement continue to rise, financial institutions must adapt their approach, not only to protect themselves from fraud, but to provide their customers with fast, safe and reliable banking services that fit with the pace of their lives.

    We will discuss drivers and trends in the market, strategic considerations for development of effective fraud mitigation, and how key technologies and best practices can combine to combat fraud.

    THIS WEBINAR WILL COVER:

    1. Drivers and trends in the fraud marketplace
    2. Key strategic considerations for fraud mitigation
    3. The evolution of payment fraud detection technologies and best practices

    TOP 3 BENEFITS TO ATTENDEES:

    1. Learn first-hand from a recognized industry expert
    2. Gain awareness of critical activities every organization should consider for effective fraud management
    3. Be better equipped to understand solutions to combat ever-evolving fraud threats

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Andrew Davies

    VP, Global Market Strategy, Financial Crime Risk Management

    In his role, Andrew works with Fiserv clients around the world to design and deploy effective risk management solutions to mitigate financial crime risks with particular focus on payment fraud, compliance and money laundering. He is also responsible for seeking new markets and applications for Fiserv financial crime detection and prevention solutions.

  • Checking the Pulse of the Home Equity Market: A Midyear Update

    Contains 1 Component(s)

    Rising consumer confidence, record U.S. household net worth, continued home price appreciation with tappable equity at a 10-year high, and the expectation of rising rates all line up for a strong Home Equity market.

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    PRESENTER:

    Shaun A. Richardson – Senior Vice President – ICON 

    ABOUT THE WEBINAR:

    Rising consumer confidence, record U.S. household net worth, continued home price appreciation with tappable equity at a 10-year high, and the expectation of rising rates all line up for a strong Home Equity market. However, through the first half of 2017, on a national level, consumer demand for new Home Equity lines and loans has been flat while new originations have increased only slightly. At the same time, portfolio balances have continued to decline.  All of this has caused many Home Equity lenders to create more holistic and integrated strategies throughout the entire lifecycle of an account.

    In this midyear market update, ICON will provide valuable industry insights based on near real time origination and portfolio market data along with feedback from ongoing engagements with clients as they apply these insights to their Home Equity strategies.  The discussion will focus on the origination behavior, product and geographic performance, operational trends, and portfolio performance of Home Equity lines and loans.

    THIS WEBINAR WILL COVER:

    1. Originations Performance YTD – consumer demand, booked volume, risk mix, and operations
    2. Portfolio Balance Behavior – Runoff trends, large paydown/attrition analysis, recent vintage performance, impact of promotional rates on balances
    3. A Balance Positive Home Equity – an update to the model presented at CBA Live which analyzes when Home Equity balances start to grow again

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Shaun Richardson

    Senior Vice President, ICON Advisory Group, Ltd.

    Shaun Richardson is the Senior Vice President at ICON, responsible for all analytical offerings across mortgage and consumer lending.  In this role, he works closely with clients to ensure their success consuming ICON’s rich set of insights built upon competitive pricing, originations transactions, and portfolio account data.  Prior to joining ICON in 2005, Shaun spent 10 years consulting with Fortune 500 companies focused on business strategy and analytics.  Shaun has an M.S. degree in Information Systems and Quantitative Sciences from Texas Tech University and is also the proud father of two incredible daughters.

  • Day 1 Certainty Best Practices – What You Need to Know for a Successful Implementation

    Contains 1 Component(s)

    Join us to hear from Equifax experts about their experience with lenders regarding program implementation for Day 1 Certainty and best practices for successful execution.

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    PRESENTERS:

    Tyler Brown, Mortgage Solutions Manager, Equifax
    Brian Callihan, Client Lean Solution Director, Equifax
    Laura Dula, Client Lean Solution Director, Equifax 

    ABOUT THE WEBINAR:

    It has been almost a year since Fannie Mae kicked off the DU® validation service for Day 1 Certainty™, which officially integrated verified consumer income and employment information from Equifax into its Desktop Underwriter®, or DU, platform – the latest move to help “ease the load” for lenders and to make the loan process less burdensome for consumers.

    Have you begun the Day 1 Certainty implementation process?  Have you hit any speed bumps rolling out the program internally?

    Join us in conjunction with Consumer Bankers Association, to hear from Equifax experts about their experience with lenders regarding program implementation for Day 1 Certainty and best practices for successful execution.

    THIS WEBINAR WILL COVER:

    1. Peer experience regarding Day 1 Certainty as told from the Equifax experts
    2. Equifax Lean Team recommendations for a smooth and efficient roll out
    3. Tips for successful income / employment verification

    TOP 3 BENEFITS TO ATTENDEES:

    1. Learn lessons from peers – what to do and not to do
    2. Best practices for smoother / quicker Day 1 Certainty program implementation
    3. Resource to help when questions / concerns arise


    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Tyler Brown

    Mortgage Solutions Manager, Equifax

    Brian Callihan

    Client Lean Solution Director, Equifax

    Laura Dula

    Client Lean Solution Director, Equifax

  • The Rise of the Borrower: The Market Shift Towards Consumer-Driven Dealer Finance

    Contains 1 Component(s)

    “The only thing changing faster than technology is consumer’ expectations” and both are placing pressure for change on traditional methods of auto finance.

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    PRESENTER:

    Scott Hendriks, Director of Product Management for Auto Originations, Fiserv

    ABOUT THE WEBINAR:

    "The only thing changing faster than technology is consumer’ expectations*" and both are placing pressure for change on traditional methods of auto finance.  Consumers want transparency and an easier way to finance.  Dealers want to control the transaction to protect profits.  Lenders must find new ways to serve both customers in this market shift towards consumer-driven dealer finance to keep pace.  
    *Jeffery Yabuki, President and Chief Executive Officer, Fiserv

    THIS WEBINAR WILL COVER:

    1. Market trends, consumer expectations and the role of the dealer in auto finance today
    2. How to strike a balance between customer engagement, risk management and knowing your customer.
    3. The role of technology and channel in a successful lender delivery model

    TOP 3 BENEFITS TO ATTENDEES:

    1. Gaining insights into an evolving delivery model for auto finance
    2. Understanding lender strategies for including both the consumer and dealer
    3. Access to a Fiserv whitepaper, Building Synergies: Redefining the Auto Lender’s Role in a Market That Still Depends on the Dealership

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Scott Hendriks

    Director of Product Management for Auto Originations, Fiserv

    Scott Hendriks has over 20 years of experience in the consumer finance industry from both the lender and service provider sides of the business.  He spent 10 years in the mortgage lending, consumer lending and indirect automotive lending segments of the market originating receivables both for prime and non-prime portfolios.  During this time, he worked very closely in many aspects of credit operations including credit management, risk management and compliance.  Since joining Fiserv in 2002, Scott has been very involved in the development of the Auto LOS product and now serves as the Director of Product Management for Auto Originations.

  • Millennials: The Great Disrupters?

    Contains 1 Component(s)

    A good deal has been written and discussed over this massive generation of 80 million consumers in the US. As it turns out the data show that a good deal of what has been claimed about Millennials is not truth, but in fact, myth.

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    PRESENTER:

    Michael Marx, Senior Director, Visa Inc.

    ABOUT THE WEBINAR:

    A good deal has been written and discussed over this massive generation of 80 million consumers in the US.  As it turns out the data show that a good deal of what has been claimed about Millennials is not truth, but in fact, myth.  This presentation will cover a holistic view of the segment designed to provide accurate guidance in reaching this segment most effectively in communications and channels, financial services product design, and how to match servicing protocols with the way this segment wishes to interact with the entities with which they deal. 

    To accomplish this a number of issues will be addressed in depth including how optimistic Millennials are today and how they see their futures, their uses of technology and how this differs from that of other generations, both older and younger, how Millennials wish to be communicated to, and to what extent are Millennials disrupting the financial services landscape today and in the future.  The summary will point to actionable insights to maximize acquisition, activation and retention effects that ultimately will grow profits for your institution.

    THIS WEBINAR WILL COVER:

    1. Brief demographic overview of the Millennial segment
    2. The Millennial mindset—the return to positivity
    3. Millennials and their interactions with technology
    4. Millennials and their commerce and payments activity
    5. Millennials as disruptors in the financial and payments ecosystem

    TOP 3 BENEFITS TO ATTENDEES:

    1. Better understand how Millennials are shaping the marketplace and presenting a massive opportunity for sales
    2. Get tactical thought-starters to maximize effectiveness in communicating, servicing and designing financial services for the Millennial segment
    3. Provide guidance in the most efficient allocation of resources to attract and retain the business of Millennials

    Have you created an account yet? If you haven't logged in to the CBA registration site before, please click the Create Account button to set up your profile.  This allows the site to recommend programs of interest to you.

    Michael Marx

    Senior Director, Voice of the Consumer, Visa, Inc

    Michael Marx is currently Senior Director of Visa Inc. Research and Insights.  In this capacity, Mr. Marx is responsible for consulting and communicating with Visa payment card issuing clients and accepting merchants on all aspects of intelligence including market research, market intelligence, competitive intelligence and consumer trends that are ultimately relevant to the payments business.

    Mr. Marx is a frequent speaker at industry conferences where he discusses key segments of the population who will drive the payments business going forward as well as ground-breaking Visa research efforts that contribute to the furtherance of its partners’ business.

    Prior to joining Visa in 1996, Mr. Marx served for 11 years as manager of the corporate market research function at Wells Fargo.  He has also held research positions at Clorox and Market Facts.

    Mr. Marx holds a B.A. in Politics from the University of California, Santa Cruz and an M.A. in Communications from the University of Pennsylvania.