CBA Webinars

CBA Team Contact

Jake Fowler

Getting to Yes: Traditional, Alternative and Emerging Data Sources for the Best Credit Decisions



Zoot: Eric Hathaway, VP Marketing
Equifax: Amy Graybill, Equifax Product Management
LexisNexis: Zach Tondre, Manager of Market Planning
Nova Credit: Collin Galster, Business Development


Join Zoot Enterprises and industry-leading data providers Equifax, LexisNexis and Nova Credit for a discussion about how you can use traditional, alternative and emerging data to make the best credit decisions for your bank and your customers. While traditional credit reports play a large role in credit underwriting, it is important to evaluate other data sources to supplement the decisioning process. 

Leading FIs are incorporating more data to develop a comprehensive picture of their customers and their creditworthiness. For millennials and unbanked/underbanked populations in particular, real-time access to alternative and emerging data can mean the difference between offering credit or not. This webinar will explore how and where you can implement a model that incorporates data from all relevant sources in your organization.


  1. Trends around the traditional credit report, including trending credit data
  2. Alternative data to supplement traditional bureau files
  3. Emerging data sources for new-to-country individuals and foreign nationals


  1. Learn which trends are influencing the credit underwriting process 
  2. Learn about new data sources to leverage in your credit underwriting process
  3. Learn how to implement these data sources to support your credit strategy

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Amy Graybill

Product Leader, Product Innovation and Management, Equifax

Amy Graybill has been with Equifax since April 2007 currently serving as the Product Leader in Product Innovation and Management for Enterprise Insights including Equifax Core Scores, Attributes, Trended data and Ignite Solutions.  In her prior role as an Analytical Services Consultant she supports customers across multiple industries including financial institutions, telecommunications, utilities, insurance providers, and government.   Amy consults with her customers to develop custom analytics and models utilizing credit data to enable her customers to create custom decision solutions across all business cycles.

 Prior to joining Equifax, Amy working in the Risk Management field for over 10 years specializing in Fraud Strategies, Loss Forecasting and overall Risk Management Strategies for MBNA America,  Juniper Bank as well as The Bank of New York (Delaware).

Collin Galster

Business Development, Nova Credit

Collin leads Growth at Nova, the world’s first cross-border credit reporting agency, where he drives partnerships with customers including lenders, property managers, and other financial institutions. Nova validates and compiles borrowers’ overseas credit reports and shares this information with customers through a secure API. These customers use Nova's credit data to make underwriting or tenancy decisions and extend credit to the ~42mm US immigrants (~7mm super-prime). They have been funded by Index Ventures, First Round Capital, Core Innovation Capital, NYCA, and Y Combinator. Collin has experienced the challenge of accessing credit overseas first-hand during his years living and working in Southeast Asia and Japan. He previously worked in the financial services practice area of The Boston Consulting Group (BCG), and earned his MBA from Stanford GSB and his AB from Harvard University.

Eric Hathaway

VP Marketing, Zoot Enterprises

Eric Hathaway brings more than 20 years of global experience in strategic marketing, product marketing, and marketing strategy across financial services, technology, and telecommunications to Zoot Enterprises.

Hathaway's background includes: managing the development and expansion of Standard & Poor's Micropal data and enterprise software solutions throughout Asia; implementing a global business development strategy for Credit Suisse Asset Management and leading the company’s operations in the Czech Republic—marketing both institutional and retail funds.

Hathaway shifted to the IT world during the dot-com era providing consulting for a range of small to medium-sized businesses and Fortune 500 companies, including Microsoft, T-Mobile, and Samsung. His services focused on B2B/B2C traditional and digital marketing, competitive market analysis, and business expansion strategy.

Hathaway holds an MBA in Business Strategy, a BA in International Business and a minor in Computer Science. His passions include spending time with his two daughters and being an avid skier and outdoorsman.

Zach Tondre

Manager of Market Planning, LexisNexis

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