Amy Graybill has been with Equifax since April 2007 and currently serves as the Head of Innovation Design & Orchestration leading a team responsible for partnering with customers and partners focused on co-innovation through advanced analytics, digital capabilities and ecosystems.  Prior to this role Amy was the leader of Product Management, Enterprise Insights and Core Data responsible for new and existing products that support Equifax’s vision to be a global insights leader: the Equifax Ignite™ solution suite, trended data solutions, and commercializing our innovation around attributes, scores and data including next-gen risk modeling techniques. 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

Cris deRitis is the Deputy Chief Economist at Moody’s Analytics.  In addition to developing econometric models and economic forecasts, his main areas of focus include consumer credit research, housing economics and public policy analysis.  Cris holds a PhD in economics from Johns Hopkins University and is a Certified Business Economist.

Theresa Freas is a Senior Marketing Director at Equifax, leading marketing strategy and execution for key enterprise initiatives. In this role, she is responsible for developing and implementing integrated marketing campaigns, including thought leadership, sales enablement and demand generation that support the US business. For more than 20 years, Theresa has used both traditional and non-traditional marketing techniques in her corporate and solutions marketing experience to deliver customer value and drive business growth.