CBA Webinars

CBA Team Contact

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

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  • Credit Privacy Numbers and Identity Fraud

    Contains 1 Component(s) Recorded On: 11/02/2016

    Typically framed as credit repair, companies sell nine-digit numbers that look like a Social Security Number (SSN) and are intended to be used by consumers to rebuild their credit. These numbers, called Credit Profile Numbers, Credit Privacy Numbers (CPNs) or Secondary Credit Numbers (SCNs) are also widely used by fraudsters to commit crime.

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    PRESENTER:
    Taras Matiychuk, Fraud Manager, Clarity Services

    ABOUT THE WEBINAR:

    Typically framed as credit repair, companies sell nine-digit numbers that look like a Social Security Number (SSN) and are intended to be used by consumers to rebuild their credit. These numbers, called Credit Profile Numbers, Credit Privacy Numbers (CPNs) or Secondary Credit Numbers (SCNs) are also widely used by fraudsters to commit crime.

    Difficult to detect, Synthetic Identity Fraud is a major source of losses for many industries. In this presentation we will discuss origins of CPNs, share examples, and inform and educate on some of the key behaviors indicative of synthetic identity fraud.

    THIS WEBINAR WILL COVER:

    1. Definitions and uses of Credit Privacy Numbers
    2. Auxiliary services offered by credit repair agencies
    3. Ways to detect CPNs

    TOP 3 BENEFITS TO ATTENDEES:

    1. Learn how to identify Credit Privacy Number
    2. Learn what do fraudsters use as legal backing for using CPNs
    3. Learn how fraudsters strengthen their fake credit profiles

    Taras Matiychuk

    Fraud Manager, Clarity Services

    Taras is the Fraud Manager at Clarity and prior to joining the team has 15 years of risk management and fraud prevention experience at a top financial services company. Besides working with check cashing, retail, tax return and online fraud Taras' accomplishments include managing a Real Time Fraud Prevention and Strategic Fraud Prevention Teams.

  • A "Wealth" of Data to Drive Efficient Growth

    Contains 1 Component(s) Recorded On: 10/26/2016

    The growth opportunities for wealth management services for banks are tremendous as trillions of dollars of assets move from one generation to the next.

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    PRESENTER:

    Victoria Lubnik, Director, Advisory Services, Fiserv

    ABOUT THE WEBINAR:

    The growth opportunities for wealth management services for banks are tremendous as trillions of dollars of assets move from one generation to the next. This massive transfer of wealth from Traditionals and Boomers, to Gen X and Millennials, is already underway and will continue for years. Institutions need to ensure their products, services and technological capabilities are structured to capture targeted customer segments now.

    THIS WEBINAR WILL COVER:

    1. The scope of wealth transfer and what it means for financial institutions
    2. How to leverage data to validate your business strategy
    3. How to identify target segments

    TOP 3 BENEFITS TO ATTENDEES:

    1. Define/validate business strategy
    2. Learn what it takes to stay relevant
    3. Gain an understanding of how wealth management is evolving

    Victoria Lubnik

    Director, Advisory Services, Fiserv

    Victoria Lubnik directs Advisory Services at Fiserv. Previously, Victoria served as the Fiserv practice leader for Wealth Management Consulting at Fiserv. She has extensive experience working with various wealth institutions to establish benchmarks compared to their peers. Victoria and her team have consulted organizations on business strategy and ways to optimize revenue, streamline processes and efficiencies, enhance the customer experience, and validate product and account profitability.

  • Customer Scoring: Analytics and Technology to Move Your Bank Ahead

    Contains 1 Component(s) Recorded On: 10/25/2016

    In the current rate and competitive environment, it is more critical than ever for banks and their customers that banks optimize relationships with their customers. The difficulty is in understanding what exactly is the optimal relationship with each customer.

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    PRESENTERS:

    Andrew Frisbie, Managing Director, Novantas
    Edward Niestat, Managing Director, Novantas

    ABOUT THE WEBINAR:

    In the current rate and competitive environment, it is more critical than ever for banks and their customers that banks optimize relationships with their customers. The difficulty is in understanding what exactly is the optimal relationship with each customer. The best way for banks to understand and achieve this mutually beneficial outcome is by utilizing "big data" techniques applied to a bank's customer, product, account, and transactional data to generate highly accurate suites of scores. Experience has shown that when developed and implemented effectively, the use of customer scoring can significantly improve the outcomes of deposit strategies.

    THIS WEBINAR WILL COVER:

    1. Moving from customer life-time value to customer potential value—theory and applications
    2. Relationship pricing—a case study in score development and execution
    3. New technology and analytics for curated metrics

    TOP 3 BENEFITS TO ATTENDEES:

    1. Precise product development, pricing, and targeting for offers and promotions
    2. Lowering the cost of deposit balance acquisition
    3. Improved returns on cross-sell spending

    Andrew Frisbie

    Managing Director, Novantas

    Andrew is a Managing Director at Novantas, Inc., where he leads the Product and Pricing unit, drawing on 15 years’ experience in product and pricing strategy, LOB strategy, and balance sheet management. He has led numerous engagements for clients in the areas of deposit and loan price modeling, proposition development, and balance sheet forecasting. His clients include many of the world’s largest money center institutions and regional banks across the Americas, the UK, and Australia.

    Edward Niestat

    Managing Director, Novantas

    Edward Niestat is a Managing Director at Novantas where he leads the Customer Scoring and Analytics practice. Eddie brings 30 years' experience in financial services consulting focusing on retail and wholesale customer analytics including product strategy and pricing, risk analysis, and technology and implementation. His expertise has helped most of the top retail and commercial banks in the US, UK, Canada, Australia, Asia, and Europe.

  • The Customer’s Voice: Leveraging Customer Complaints to Drive Effective and Compliant Business Practices

    Contains 1 Component(s) Recorded On: 10/20/2016

    Customer complaints provide real-time data regarding the customer experience, the effectiveness of bank operations, and the adequacy of the established control environment. Yet utilizing this vast data set to identify operational breakdowns, compliance failures, or potential process improvements continues to be a challenge for many organizations.

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    PRESENTERS:

    Linda Gallagher, Managing Director & Global Head, Consumer Protection Practice, Promontory
    Matt Ondus, Director, Consumer Protection Practice, Promontory
    Eric Ferri, Senior Principal, Consumer Protection Practice, Promontory

    ABOUT THE WEBINAR:

    Customer complaints provide real-time data regarding the customer experience, the effectiveness of bank operations, and the adequacy of the established control environment. Yet utilizing this vast data set to identify operational breakdowns, compliance failures, or potential process improvements continues to be a challenge for many organizations. From identification and intake, to root cause analysis and resolution, the processes for managing complaints are complex and the expectations from both internal and external stakeholders continue to increase.

    While complaint management programs vary across the industry, successful programs are rooted in strong foundational elements, from the established complaint definition, to supporting technologies and program ownership within the organizational structure. Join this webinar to gain insight into industry best practices and innovative solutions from one of the banking industry's leading consultancies.

    THIS WEBINAR WILL COVER:

    1. Best practices for managing the complaint lifecycle, from intake through resolution
    2. Regulatory expectations for complaint management
    3. Roles and responsibilities for complaint program execution across the organization
    4. Supporting technologies for complaint identification and analysis

    TOP 3 BENEFITS TO ATTENDEES:

    1. Gain insights from industry experts with a broad view into the complaint management programs at many of the nation's leading banks
    2. Learn about practical approaches to enhancing the complaint management program
    3. Better understand regulatory expectations for responding to complaints and utilizing complaints data to drive business change and enhance the compliance management system

    Linda Gallagher

    Managing Director and Global Head of the Consumer Protection Practice, Promontory Financial Group

    Linda leads Promontory’s global consumer protection practice and co-leads Promontory’s Conduct Risk Solution Center. She has three decades of consulting experience and expertise in all aspects of consumer-oriented regulation, compliance, and risk management.

    Linda advises bank and nonbank financial services firms on the strategic dimensions of consumer regulatory compliance. Her focus is on helping firms create sustainable and compliant business models and cultures of strong risk management and operational excellence. She is a trusted adviser to banks’ management teams, boards, and business-unit leaders on the design and implementation of compliance programs that meet evolving regulatory expectations. She also works with nonbank firms that offer consumer financial products and services, in many cases helping these firms prepare for new and unfamiliar regulation. Linda has extensive experience directing regulatory risk and readiness assessments, with an emphasis on consumer protection risks through the life cycle of financial products and services. She has led internal regulatory investigations, consent-order look-back reviews, and remediation efforts for firms ranging from community banks to global financial services companies. Linda also has experience evaluating banks’ sales practices, culture, and conduct, in light of developing regulatory and industry expectations for sales and compensation programs. In addition, she has led efforts at large financial institutions to design complaint-management programs and implement process improvements throughout the complaint-management life cycle.

    Before joining Promontory, Linda worked for 25 years at KPMG, where she managed the firm’s financial services regulatory practice and oversaw compliance and consumer protection services. Early in her career, she was a professional accounting fellow at the Federal Home Loan Bank Board in Washington, D.C. Linda has been honored by Consulting Magazine as a top-25 consultant and is a nationally recognized speaker on all aspects of consumer financial protection.

    Matt Ondus

    Director, Consumer Protection Practice, Promontory Financial Group

    Matthew assists clients with meeting the regulatory expectations of the Consumer Financial Protection Bureau, including managing unfair, deceptive and abusive acts and practices risk, and building out effective enterprise compliance risk management programs. He also advises clients on a broader range of consumer protection laws including Fair Lending, Fair Debt Collection Practices Act, Truth in Lending Act (including CARD Act issues), Servicemembers' Civil Relief Act, and the Real Estate Settlement Procedures Act.

    Matthew brings 30 years of substantive financial regulatory experience from senior industry and regulatory levels. He served as a field manager with the Consumer Financial Protection Bureau and was the team lead for two of the nation’s largest banks. As a large bank team leader, Matthew was responsible for developing and implementing a risk-based compliance supervision program specific to each institution. Prior to joining the CFPB, Matthew spent 17 years as a Commissioned National Bank Examiner with the Office of the Comptroller of the Currency, where he specialized in compliance. Additionally, he served as a vice president and compliance officer at AmSouth Bank for five years and served as a senior loan review officer for Compass Bank for two years.

    Eric Ferri

    Director, Consumer Protection Practice, Promontory Financial Group

    Eric is a Director in Promontory’s Consumer Protection practice and a key member of Promontory’s Conduct Risk Solution Center. While at Promontory, Eric has provided advisory services with a focus on assessing and controlling consumer compliance and conduct risks, as well as designing and implementing compliance and conduct risk management programs. Prior to joining Promontory, Eric provided regulatory consulting services as part of the Regulatory Risk Advisory practice of a Big 4 accounting firm.  Prior to entering consulting, Eric served as an examiner at the Office of the Comptroller of the Currency, where he provided regulatory oversight to national banks throughout the southeastern U.S. In this role, Eric focused on assessments of compliance and credit risk and examinations of institutions managing formal regulatory enforcement actions.

  • Where are the Credit-Worthy Millennials?

    Contains 1 Component(s) Recorded On: 10/18/2016

    Millennials have recently become the largest living generation in the U.S. This population of roughly 75 million 18-35 year olds are at a key point in their financial lives where they are accumulating wealth and developing lasting relationships with businesses. Amid countless data points and confusion over the appropriate strategies to address Millennials, LexisNexis® Risk Solutions leveraged both public and proprietary data conducting a study to uncover the most meaningful insights for businesses looking to serve this cohort.

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    PRESENTER:

    Solomon Semere - Director, Market Planning, LexisNexis Risk Solutions

    ABOUT THE WEBINAR:

    Millennials have recently become the largest living generation in the U.S. This population of roughly 75 million 18-35 year olds are at a key point in their financial lives where they are accumulating wealth and developing lasting relationships with businesses. Amid countless data points and confusion over the appropriate strategies to address Millennials, LexisNexis® Risk Solutions leveraged both public and proprietary data conducting a study to uncover the most meaningful insights for businesses looking to serve this cohort.

    THIS WEBINAR WILL COVER:

    1. Where do Millennials live?
    2. Are Millennials financially healthy?
    3. Do Millennials own homes?

    TOP 3 BENEFITS TO ATTENDEES:

    1. Insights on demographic and behavioral trends impacting millennials to help drive strategy around this growing consumer segment
    2. Access to proprietary information on the financial health of millennials, including new research on asset ownership, credit worthiness, residential stability, and earning potential
    3. Understanding of how alternative data and advanced analytics can provide a more clear understanding of the financial health of today's young adults and assist lenders in making better credit decisions

    Solomon Semere

    Director, Market Planning, LexisNexis Risk Solutions

    Solomon Semere's role focuses on developing and executing the go-to market strategy for the credit risk decisioning group, which includes the RiskView and Profile Booster products. Prior to joining LexisNexis, Solomon worked as a senior consultant with Deloitte Consulting and held various roles in the insurance industry.

    Solomon holds a MBA from Northwestern University's Kellogg School of Management, where he was an F.C Austin Scholar, and a BBA with a concentration in Finance from Emory University.

  • Loan Stacking: The Problem and Patented Solution

    Contains 1 Component(s) Recorded On: 10/13/2016

    The webinar covers the definition of loan stacking, as well as an explanation of how it happens and why it's so difficult to prevent. The loan transaction process is broken down to show how and when loan stacking can happen and introduces the Temporary Account Record solution.

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    PRESENTER:

    Craig Lukavec, Product Manager, Clarity Services

    ABOUT THE WEBINAR:

    The webinar covers the definition of loan stacking, as well as an explanation of how it happens and why it's so difficult to prevent. The loan transaction process is broken down to show how and when loan stacking can happen and introduces the Temporary Account Record solution. The solution is explained in detail, including why it works better than real-time reporting. Not only does the solution help prevent loan stacking; it can also help lenders manage their compliance needs if proposed CFPB regulations are applicable to their business.

    THIS WEBINAR WILL COVER:

    1. What is loan stacking?
    2. Introduction of Temporary Account Record solution.
    3. How solution works and why it's better than typical real-time reporting.

    TOP 3 BENEFITS TO ATTENDEES:

    1. Prevent rising defaults by learning to identify loan stacking.
    2. Protect revenue and investors by using Temporary Account Record during underwriting.
    3. Compliance assistance with proposed CFPB regulations.

    Craig Lukavec

    Product Manager, Clarity Services, Inc.

    Craig Lukavec is an expert in real-time tradeline reporting and methodology. Currently, Craig serves as product manager with Clarity Services and is responsible for the creation and development of several underwriting, compliance and tradeline products.

    With over 20 years of financial industry experience in both the private and public sectors, Craig has served in senior leadership positions, created new, innovative products, and enhanced many processes in leading global corporations.

  • CEO Insights for Home Equity Portfolio Growth

    Contains 1 Component(s) Recorded On: 10/06/2016

    As home values rebound in much of the country, banks are taking a renewed interest in their home equity portfolios.

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    PRESENTERS:

    Rutger van Faassen, VP of Lending at Nomis Solutions
    Shaun Richardson, SVP at Icon Advisory Group

    ABOUT THE WEBINAR:

    As home values rebound in much of the country, banks are taking a renewed interest in their home equity portfolios. Ironically, stubbornly low rates and other factors are leading to portfolio run off even as consumer interest grows. To stop the balance outflow and grow a sustainable home equity portfolio, banks are leveraging their CEO (customer engagement optimization) to understand customer behavior at every stage of the account lifecycle.

    THIS WEBINAR WILL COVER:

    1. The key trends and insights impacting home equity lending
    2. How to influence customer behavior to improve results at all stages of the home equity lending relationship
    3. Why customers are choosing marketplace lenders

    TOP 3 BENEFITS TO ATTENDEES:

    1. Learn how to stop portfolio runoff by addressing every stage of the customer life cycle
    2. Gain industry insights that will help you build a profitable home equity portfolio
    3. Be inspired to introduce a spirit of innovation in your home equity lending strategy

    Rutger van Faassen

    Vice President of Lending, Nomis Solutions

    As VP of Lending, Rutger works with clients to implement best-in-class pricing and profitability management tools and business processes. He brings broad experience in international retail lending to Nomis clients. 

    Prior to joining Nomis in 2008, Rutger was a Vice President at ABN AMRO Mortgage Group responsible for strategy definition for Correspondent Lending. During his ten years at ABN AMRO Rutger was also responsible for setting up mortgage businesses in different European markets. 

    At Nomis, Rutger has successfully been helping lenders globally implement price optimization solutions that generate proven benefits.

    Shaun Richardson

    Senior Vice President, Icon Advisory Services

    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.

  • To Dial or not to Dial: Best Practices for Contact Strategies that Align with TCPA Regulation

    Contains 1 Component(s) Recorded On: 10/04/2016

    The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. TCPA lawsuits are frequently settled in the millions of dollars. Therefore, strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology. <br><br>Join AGG, Charter Spectrum and Equifax as we discuss regulatory updates and share top TCPA-related tips to consider in your customer contact strategies. If you use an automated-dialing system for marketing, collections or any other purpose, you won't want to miss this discussion.

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    PRESENTER(S):

    Robert R. Belair, Partner, Arnall Golden Gregory LLP
    Chris Wilkerson, Enterprise Director - Customer Communications Payment Services, Charter Spectrum
    Bess Lessner, Relationship Manager - PayTV and Media Services, Equifax

    ABOUT THE WEBINAR:

    The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. TCPA lawsuits are frequently settled in the millions of dollars. Therefore, strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology.



    Join AGG, Charter Spectrum and Equifax as we discuss regulatory updates and share top TCPA-related tips to consider in your customer contact strategies. If you use an automated-dialing system for marketing, collections or any other purpose, you won't want to miss this discussion.


    THIS WEBINAR WILL COVER:

    1. TCPA Regulatory Overview
    2. Top TCPA-Related Tips for Customer Contact Strategies
    3. Real Life example of how one company successfully managed TCPA related risk



    TOP 3 BENEFITS TO ATTENDEES:

    1. Expert Guidance on TCPA related Contact Strategies
    2. Examples of What to Avoid in Your Contact Strategies
    3. Tips to Strengthen Your Customer Contact Strategies



    ABOUT OUR PRESENTERS:

    Robert R. Belair
    Partner
    Arnall Golden Gregory LLP

    Robert R. Belair is a partner and practice leader of AGG's Privacy and Consumer Regulatory Practice. Mr. Belair is also the Managing Partner of AGG's D.C. office. He is an internationally recognized privacy lawyer with more than three decades of experience and is a frequent writer and speaker on privacy topics. He has received the prestigious national Chambers Rating for his privacy work.
    Mr. Belair focuses his practice on advising clients with respect to all aspects of the privacy policy and compliance cycle. This has included representing clients in privacy and consumer regulatory matters before the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) and engaging Hill and agency staff on the development of privacy policy. With regard to existing privacy requirements, Mr. Belair has assisted clients to develop comprehensive privacy compliance programs, responded to data breaches, and defended against administrative actions and litigation.



    Chris Wilkerson
    Enterprise Director - Customer Communications Payment Services
    Charter Spectrum

    Extensive experience in Credit and Collection modeling specializing in Video, High Speed Data and Digital Telephone products. Expertise in Credit Collection Standardization, Contact Center management, Vendor management, Risk Mitigation, P&L management, leadership and employee development.



    Bess Lessner
    Relationship Manager - PayTV and Media Services
    Equifax

    Bess manages relationships with the Equifax key Communications and Utility clients, with special focus on the PayTV and Media Services industries. Throughout her career, Bess has focused on all stages of customer relationship formation from market insight and prospecting through debt recovery.
  • Loan Marketing Best Practices

    Contains 1 Component(s) Recorded On: 09/27/2016

    With consumer loans up 18% in two years, you may not be taking full advantage of a booming market.

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    PRESENTERS:

    Stephen Nikitas, Senior Strategy Director, Harland Clarke
    Stephenie Williams, Senior Market Strategist, Lending Solutions, Harland Clarke

    ABOUT THE WEBINAR:

    With consumer loans up 18% in two years*, you may not be taking full advantage of a booming market.

    Join this webcast and learn how to use new business marketing intelligence, like geo targeting, market segmentation, and location and spatial analytics to maximize your loan marketing efforts without disrupting your current processes.

    You'll also learn about new marketing solutions designed to drive loan growth for financial institutions, and how simple enhancements to your current processes may lower costs, increase productivity and produce greater returns.

    * TransUnion 2016 Personal Loan Forecast

    Stephen Nikitas

    Senior Strategy Director, Harland Clarke

    Steve Nikitas joined Harland Clarke in October 2010 and has more than 30 years of experience in strategic planning, marketing, public relations and executive speechwriting. He has been a senior executive at financial institutions in New York, California and Massachusetts, developing and implementing sales and marketing programs that resulted in significant growth rates in loans, deposits and accounts.

    As senior strategist with Harland Clarke Marketing Services, Steve provides consultative services to banks and credit unions, helping them craft marketing and retail strategies and campaigns to take advantage of existing market and financial conditions and to grow targeted portfolios.

    Steve holds an M.B.A. from Clark University, an M.Ed. from Fitchburg State College and a B.A. from Boston University. He has published monthly columns on financial management in The Gardner News and Poughkeepsie Journal. He also had a monthly New York radio show on money management.

    Steve speaks on a variety of topics aimed at helping financial institutions grow and prosper, including loan portfolio growth, account holder retention, and turning regulatory issues into opportunities.

    Stephenie Williams

    Senior Market Strategist, Lending Solutions, Harland Clarke

    - 20+ years direct marketing experience in retail and financial services
    - CRM and ROI specialist

  • Customer Financial Health

    Contains 1 Component(s) Recorded On: 09/21/2016

    According to the Center for Financial Services Innovation, more than half of American adults struggle financially on a recurring or occasional basis. To cope, consumers are using alternative sources to meet their financial needs—instead of turning to their banks.

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    MODERATOR:

    David Pommerehn, Senior Counsel and Vice President, CBA

    PRESENTERS:

    John Thompson, Senior Vice President, The Center for Financial Services Innovation (CFSI)
    Victoria Dougherty, Director, Product Strategy, Payments Management Solutions, Fiserv
    Whitney Stewart, SVP, ePayments/ Digital Banking

    ABOUT THE WEBINAR:

    According to the Center for Financial Services Innovation, more than half of American adults struggle financially on a recurring or occasional basis. To cope, consumers are using alternative sources to meet their financial needs—instead of turning to their banks.

    To more proactively support your customers, it is time to empower them to keep their financial health intact through point in time awareness, payment options and the ability to anticipate and avoid problems. Join this panel of industry experts to discuss how to bolster your customers' financial health while driving new growth, greater loyalty and new revenue streams for your institution.

    THIS WEBINAR WILL COVER:

    1. Consumers' financial struggles with recurring and unexpected obligations
    2. Regulations and consumer liquidity
    3. Financial health solutions at the intersection of banking, awareness, technology and products

    TOP 3 BENEFITS TO ATTENDEES:

    1. Gain better understanding of the issues in the marketplace
    2. Understand new ways to help keep your customers' financially healthy
    3. Explore solutions that will drive customer financial health and institutional loyalty

    ABOUT OUR PRESENTERS:

    David Pommerehn
    Senior Counsel and Vice President
    CBA

    David Pommerehn is Senior Counsel and Vice President. His expertise covers a wide range of legal, legislative and regulatory issues associated with the areas of consumer financial services. He is the CBA lead for deposits and payment issues as well as small business banking issues and manages CBA's Deposits and Payments and Small Business Banking Committees.

    Prior to joining CBA in 2008, David served as a defense attorney for the State of Maryland and as counsel to several non-profit financial services companies.

    David is an active member of the American and Maryland Bar Associations. He received his B.A. from the University of Maryland and his J.D. from the University of Baltimore School of Law.

    Victoria Dougherty
    Director, Product Strategy, Payments Management Solutions
    Fiserv

    Victoria Dougherty, Director of Payment Management Solutions at Fiserv, has over 20 years of experience in the financial services industry. Her expansive background includes management roles at both financial institutions and technology providers. At Fiserv, she is responsible for the Immediate Funds product that makes risk-free accelerated funds availability a reality for forward-thinking financial institutions and their customers.

    John Thompson
    Senior Vice President
    The Center for Financial Services Innovation (CFSI)

    As the leader of CFSI's Program Team, John is responsible for CFSI's research consulting, and innovation practices. Within these practices, a cross-functional team of professionals works to generate CFSI's industry thought leadership and consumer research, to foster promising innovations that advance consumer financial health, and to work with companies in direct engagements to more profitably serve consumers with high-quality financial products. The intersections of financial services business models and client impact in facilitating financial health is what brought John to CFSI

    Whitney Stewart
    SVP
    ePayments/ Digital Banking

    Whitney Stewart is responsible for Fiserv's ePayments Product Management teams and the work they are doing to create an integrated payment solution across their money movement services.

    Whitney, who has more than 20 years of technology and financial services industry experience, joined Fiserv in May 2014. Prior to joining Fiserv, Whitney was the VP, Product Management at Higher One where she focused on building her expertise in millennial payment behavior and preferences as well as payment acceptance technologies for Higher Ed. She has also served as SunTrust Bank's Mass Market Consumer Segment Executive, where she managed the banks' segment strategy as well as the bank's value added services product organization which included debit, prepaid, overdraft and all other consumer fee income products. Prior to joining SunTrust, Whitney ran Discover Network's Brand and Communications organization for Discover Financial Services. She has also held senior management positions in Marketing, Product Management, and Business Strategy at Carreker, Bank of America, eFunds Corporation and Deluxe Corporation.