During the last 17 years with Cornerstone, Christy has formed and maintained valuable client relationships. In her current role she speaks with the collection industry’s leaders to navigate clients through new licensing based on agency activity, statutory compliance notifications regarding corporate changes and overall client expansion and development. Her passion to see her clients succeed calls for her to continuously study the latest state licensing requirements and regulations to ensure proper licensing.

Anastasia Caton is a partner in the Washington, DC office of Hudson Cook. Anastasia’s practice includes assisting national and state banks, savings associations, mortgage bankers, finance companies, and licensed lenders in the development and maintenance of consumer mortgage, automobile finance, and other credit programs. Anastasia also advises clients on various aspects of compliance with state and federal servicing and debt collection laws and the federal Fair Credit Reporting Act. In addition, she assists clients in handling federal government agency (including CFPB, FTC, and DOJ) and state attorneys general investigations. On behalf of clients, she drafts amicus briefs for filing in consumer credit cases before federal appellate courts, including the U.S. Supreme Court.

Anastasia is active in the American Bar Association’s Consumer Financial Services Committee and currently serves as the Chair of the Young Lawyers Subcommittee. She has previously served as the Young Lawyer Liaison to the Debt Collection Practices and Bankruptcy Subcommittee and as the Young Lawyer Liaison to the National Institute on Consumer Financial Services Basics. She is also a member of the Receivables Management Association (formerly known as DBA International). Before joining Hudson Cook, Anastasia was a compliance attorney in the Regulatory Services Group at U.S. Bancorp in Washington, DC, and was a summer associate at a creditors’ rights and commercial litigation law firm in Raleigh, North Carolina. During law school, she worked in Tulane’s Domestic Violence Clinic, assisting victims of domestic violence in obtaining various legal protections.

Anastasia graduated with a degree in Public Policy Studies from Duke University and earned her J.D. from Tulane University Law School, where she was awarded magna cum laude graduation honors.

Don Maurice is a partner at Maurice Wutscher LLP representing the financial services industry in compliance matters, bench trials, jury trials and appeals of individual and class actions. He is admitted to the Bars of Massachusetts, New York, New Jersey, and the District of Columbia and has practiced law since 1988. Don has been inducted into the American College of Consumer Financial Services Lawyers. Don serves as outside counsel to RMAI. He is a fellow at the American Bar Foundation and chairs the Consumer Affairs Committee of the New York City Bar Association. He formerly chaired the Debt Collection Practices and Bankruptcy Subcommittee of the American Bar Association. He is certified as a Leadership Professional in Ethics and Compliance by the Ethics Compliance Initiative. He is editor of the Consumer Financial Services Blog (cfsblog.com). He is a frequent speaker and author on ethics, financial services, and privacy law. His many articles on consumer financial services law have been published in law reviews and trade publications.

Mark has been involved in the stratification of over 800 individual transactions, including the analysis behind the potential liquidation for over $20 Billion in purchased accounts. Mark is a frequent speaker on topics ranging from Data Security, Operational Best Practices, Historical Industry Analysis, Encryption Methodology, Risk Mitigation and Relationship Building.

He was appointed to serve on the task force committee that implemented certification within RMAI, a cornerstone of what inevitably became RMAI’s federally recognized compliance program. He was also a founding board member of the Certification Committee and continues to teach the introductory course for Certification. An RMAI Certified Receivables Compliance Professional, Mark was elected to the RMAI Board of Directors in 2014, and after serving two terms as President.

Rozanne Andersen, J.D., serves as Finvi’s Vice President and Chief Compliance Officer. She is responsible for leading Finvi’s corporate efforts and response to the CFPB’s launch of compliance examinations in the ARM industry. Rozanne’s advocacy work on behalf of the credit and collection industry has resulted in landmark legislation and regulation at both the state level and the federal level with regard to the FDCPA, FCRA and HIPAA. In 2020, Rozanne was named Chief Compliance Officer of the Year (Large Company) by the international Women in Compliance Network.

Tonia Brown recently joined First Credit Services, Inc.  Formerly as VP of Compliance for Solutions for Account Management, Tonia was responsible for the continued development and maintenance of SAM’s compliance management system and vendor oversight program. Prior to joining Solutions for Account Management, Tonia was a Compliance Consultant for ARM Compliance Business Solutions and worked as the Executive Vice President at Automated Collection Services, Inc. Tonia also holds certification as a Certified Receivables Compliance Professional (CRCP) and currently serves on the RMAI DEI Committee & 50-State Legislative Committee.

Michael joined JJ Marshall as Chief Compliance Officer in June 2024. Before moving to JJM, Michael worked for Unifund for over 19 years, his last three years as Chief Compliance Officer, and prior to that in positions in Inventory and Vendor Management, Business Intelligence, Legal Operations Management, analytics, and sales. He is certified with the Receivables Management Association International as a Certified Receivables Compliance Professional, and with the American Collectors Association as a Credit and Collections Compliance Officer.

Anne Thomas has been with Cavalry Portfolio Services for more than 15 years and has been in the debt collection industry for nearly 20 years. As part of her role, Anne is responsible for designing, implementing, and monitoring the Compliance Management System. In addition, she serves as a member of Cavalry’s Compliance Committee and is currently the President of the RMAI Board of Directors, representing over 600 companies in the receivables management industry.

Matt Maloney is a Co-Founder and Chief Investment Officer of the FFAM360 Alliance of Companies, which includes First Financial Asset Management, Inc. and a host of other affiliated companies (each apart of a group of independently operated Companies providing Accounts Receivables Management, Specialty Finance, and Insurance Subrogation Services to clients across North America & beyond).  In his leadership role, Matt is directly responsible for the strategic direction and investment strategy of the Companies.  Over his 22+ years helping lead the Companies, Matt has successfully guided the growth of the FFAM360 Alliance of companies, including raising over $500 Million in investment capital, launching new-business lines and industry verticals, and guiding the vision and values of the entire organization.  Led by Matt’s strategic direction, the FFAM360 Alliance of companies (and its affiliates) have become a widely sought-after company in the management both performing and non-performing accounts receivables emanating from a variety of industry sectors.

Throughout his professional career, Matt has held various positions on several industry association panels and boards, including with ACA International and RMAI.   He has co-authored books and manuals published by industry associations, and has been a presenter at more than a three (3) dozen industry trade shows.  Moreover, Matt is the Founder and Host of the Above & Beyond Leadership Podcast, a international podcast aired in over 36 countries which aims to empower, equip and inspire currently and future business and community leaders.

Kim is a partner in Troutman Pepper’s Privacy + Cyber Practice and Consumer Financial Services Groups, where she counsels companies on compliance with federal and state privacy and data security statutes and regulations. Her work encompasses strategic planning and guidance for companies to incorporate privacy and data security considerations throughout product development, marketing, and implementation. She also assists companies with data breach prevention and response.  Kim also provides extensive e-commerce and mobile counseling, including mobile app development, conducting online behavioral advertising assessments, enhancing website privacy policies, and advising on social media interactions with consumers.  Kim also provides guidance to clients on regulatory compliance matters, including supervisory and enforcement interactions with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), other federal regulatory agencies, and state attorneys general. Kim has been recognized in Chambers FinTech Legal USA and The Legal 500 and is a member of the American College of Consumer Financial Services Lawyers.

John H. Bedard, Jr. is the managing attorney of Bedard Law Group, P.C. located in Atlanta, Georgia.  John represents creditors, asset buyers, and debt collectors helping them stay in compliance with state and federal law.  He also manages the nationwide litigation for several collection agencies and focuses his litigation practice on FDCPA, TCPA, and FCRA defense.  John’s practice also focuses on defending regulatory actions including CFPB investigations and travels the country performing CFPB readiness assessments for the collection industry.  He received his law degree from the Syracuse University College of Law and his undergraduate degree in Economics from the Pennsylvania State University.

Tim Collins is an experienced professional digital collection advocate in the ARM industry. He currently holds the position of General Counsel at InDebted, having previously served as the company’s Chief Customer & Compliance Officer. With more than 30 years of experience, he is well-respected for his thought leadership, customer advocacy, and innovative approach. Additionally, he actively participates in RMAI by serving on the Fintech Legal Working Group and presenting on webinars and at the RMAI Annual Conference.

Mike leads the firm’s regulatory compliance and transactional services. Prior to joining the firm, Mike was a shareholder of a large collection agency. He has a unique understanding of agency operational and technical aspects that are not available at most law firms. Mike has represented companies through examinations and audits conducted by the CFPB, FTC and various other state regulatory agencies. He has also represented the industry and clients in lobbying efforts or on panels before the FTC, FCC, and on Capitol Hill.

Katie Neill serves as Associate General Counsel at TrueAccord. Katie is a well-known attorney in the industry currently sitting on ACA’s Judicial Committee and the Consumer Relations Consortium’s Steering Committee. Katie was also the inaugural Chair of CRC’s Legal Advisory Board. Katie has been heavily involved in advocating for the industry before federal and state regulators in several initiatives, including commenting on the CFPB’s proposals (such as Regulation F) and other initiatives through CRC designed to bring regulators, consumer advocates, and industry to the table to educate each other and find mutual solutions. Prior to joining TrueAccord, Katie was the General Counsel at insideARM, where she acted as a legal and regulatory navigator for the debt collection industry through authoring articles and creating an industry-specific case law research database, and, before that, as Litigation & Compliance Counsel at ARS National Services.

Manny Newburger leads the Consumer Financial Services Law Practice Group at Barron & Newburger, P.C. A frequent author and speaker on the FDCPA and other consumer protection laws, Mr. Newburger is known internationally for his expertise in consumer and commercial law, consulting on FDCPA, FCRA, and TCPA compliance across the globe and defending of individual and class consumer litigation and regulatory matters across the United States. His practice focuses on litigation, litigation management and strategy, regulatory defense, and compliance, and he serves as a settlement negotiator in complex cases. Mr. Newburger has consulted to collection industry members throughout the U.S., India, the Philippines, and Canada, and his clients include financial institutions, debt buyers, law firms, and collection agencies.

Dara Tarkowski is a renowned legal expert shaping the future of law, technology and highly regulated industry. As a published author, keynote speaker, and the co-founder of Actuate Law and the reg-tech start-up quointec, she is an outspoken voice on how technology is impacting the future of delivering legal and compliance advice to financial services companies. Dara’s legal practice centers around regulatory advocacy, compliance and litigation defense for the financial services industry. Dara routinely represents issuers, fintech companies, debt buyers, agencies and other technology service providers to the receivables management industry.

Chuck Dodge is a partner in the Maine office of Hudson Cook, LLP.  Chuck is a member of RMAI and the ACA, as well as the Consumer Financial Services Committee of the Business Law Section of the American Bar Association.  Chuck practices exclusively in the area of consumer credit regulatory compliance counseling.  His practice focuses on federal and state laws related to debt collection, account servicing, debt buying, foreclosure, repossession and the enforcement of creditors’ rights more generally.  Chuck’s practice also regularly involves assisting national, regional and local debt buyers and debt collectors, as well as their investors and lenders, with regulatory compliance matters related to licensing, conduct rules and recovery.

Chris Runci is the Principal and Founder of Runci Group & DebtLink.com. Runci Group has been facilitating sales and placements of distressed consumer and commercial receivables since 2005 with a focus on state and regional sales and judgments.  In 2022, Chris launched the ARM industry’s first searchable, categorized vendor marketplace at DebtLink.com with his son Harry and business partner Chris Murphy. Chris started his professional career in 1994 as a Financial Analyst at Cohane Rafferty Securities Inc., an early pioneer in the debt sales market. He has held various senior management positions at TSYS and its affiliate, the National Attorney Network (NAN), EMCC, Outsourcing Solutions Inc. (OSI) and Endeavor Financial.

Lauren M. Burnette is a partner in Messer Strickler Burnette, Ltd.’s Florida office. In her national legal practice, Ms. Burnette represents attorneys, financial institutions, debt servicers and buyers, mortgage lenders and more in a broad range of compliance management services, including risk assessment and remediation, due diligence, third-party monitoring and auditing, training assistance, and litigation management and oversight. She represents clients in litigation matters involving the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and related federal and state laws. She also represents members of the consumer financial services industry in investigations and enforcement matters initiated by state and federal regulatory agencies, including state Attorneys General, the Federal Trade Commission and  the Consumer Financial Protection Bureau.

Jackson’s background includes over 27 years of legal and compliance experience in consumer finance and insurance organizations.  He began his career as a litigator and regulator before becoming a corporate attorney and business executive.  His experience includes working for both public and privately-held organizations in the insurance and consumer finance sectors.  Currently, Jackson serves as the General Counsel for Resurgent Capital Services.  Jackson holds a Bachelor of Science degree in Business Administration from the University of Tennessee, a Masters of Business Administration and Doctorate of Jurisprudence from the University of Memphis.

Rozanne Andersen, J.D., serves as Finvi’s Vice President and Chief Compliance Officer. She is responsible for leading Finvi’s corporate efforts and response to the CFPB’s launch of compliance examinations in the ARM industry. Rozanne’s advocacy work on behalf of the credit and collection industry has resulted in landmark legislation and regulation at both the state level and the federal level with regard to the FDCPA, FCRA and HIPAA. In 2020, Rozanne was named Chief Compliance Officer of the Year (Large Company) by the international Women in Compliance Network.

Brit Suttell is a shareholder and member of Barron & Newburger, P.C.’s Consumer Financial Services Group where they focus on defense litigation and regulatory compliance related to consumer protection statutes and regulations, specifically the Fair Debt Collection Practices Act, Reg. F, Fair Credit Reporting Act, Telephone Consumer Protection Act, and related state consumer protection laws. Brit assists clients with the creation and maintenance of compliance management systems. Their experience in-house at a debt collection law firm allows them to assist clients in crafting compliant operational solutions. In addition to defending consumer protection law claims, they also assist clients in various dealings with both state and federal regulators including handling civil investigative demands and other inquiries. Brit is the current Secretary for the Board of Directors of the National Creditors Bar Association and is the immediate past President of the Pennsylvania Creditors Bar.

Kelly Knepper-Stephens is the Chief Compliance Officer and General Counsel at TrueAccord Corp. She is a passionate advocate for making the law (and legal advice) interesting for everyone. Her work focuses on government regulation, compliance, and civil litigation. She advises on the intersection of innovation in technology with consumer protection statutes such as the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Telephone Consumer Protection Act, Equal Credit Opportunity Act, privacy and security laws and other federal and state regulations.   Kelly serves on the Board of Directors for the Receivables Management Association International, is an ACA-Certified Instructor, and serves on the Steering Committee for the Consumer Relations Consortium. She also served as a SER for the Arbitration and Debt Collection Rulemakings. FinTech Magazine named Kelly one of the Top 100 Women in FinTech in 2022 and Collection Advisor Magazine named Kelly one of the 20 Most Powerful Women in Collections in 2018 and 2016.

A passionate thought leader in the accounts receivables management industry, Sara is a highly sought-after compliance leader with a background in operational processes.

As the Owner and President of ARM Compliance Business Solutions, Sara Woggerman works with organizations to drive compliant business practices through her consulting solutions. Sara’s personalized approach prepares financial institutions for regulatory examinations, manage litigation risk, and improves the consumer experience. Sara is known for her passion in helping companies overcome their unique compliance and operational challenges through delivery of compliance risk assessments, policy development, service provider management and oversight, and executive level training programs designed to help financial services companies mitigate risk and maximize efficiency.

Prior to starting ARM Compliance Business Solutions, Sara led the Compliance Services Department at Ontario Systems, LLC.

Andrew is the President and CEO of Acctcorp International, a small RMAI Certified debt buyer in the Pacific Northwest, and Accounts Receivable, Inc., a collection agency. Prior to that, he spent 8 years in various areas of banking, primarily Commercial Lending. Andrew is the Chair of the RMAI Standards Committee, serves on the RMAI Certification Council, and is very active on Industry issues in Oregon and Washington.

Amber Russo is President/Principal of Kino Financial Co., LLC., an RMAI Certified Debt Buyer. She is responsible for overseeing all facets of the portfolio acquisition process, agency and legal network management, and business operations. Amber has dedicated over nineteen years to the receivables management industry and is an advocate for state and regional debt buyers. Amber currently serves as Secretary on the Board of Directors for Receivables Management Association International.

Stefanie’s practice is devoted to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, as well as defending them in individual and class action lawsuits. Stefanie represents clients across the financial services industry on issues arising under an array of federal and state consumer financial laws, including UDAP/UDAAP statutes, the FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA.

Porter Heath Morgan is an attorney and advisor who partners with clients to help unlock their people and their leadership and compliance initiatives.  Heath is a third generation collection attorney who has grown up in the industry and has 19 years of in house counsel experience for collection agencies, collection law firms, debt buyers, healthcare providers and technology companies.

Heath is passionate about training and education and is a frequent speaker for ACA, NCBA, RMAI, and serves on the ACA Council of Delegates and is a founding member of the Colorado Creditors Bar Association where he serves on the board of directors and as the CLE Committee chair. Heath is licensed in Colorado, Kansas, Oklahoma, Wyoming and is a member of the Supreme Court Bar.

Don Maurice is a partner at Maurice Wutscher LLP representing the financial services industry in compliance matters, bench trials, jury trials and appeals of individual and class actions. He is admitted to the Bars of Massachusetts, New York, New Jersey, and the District of Columbia and has practiced law since 1988. Don has been inducted into the American College of Consumer Financial Services Lawyers. Don serves as outside counsel to RMAI. He is a fellow at the American Bar Foundation and chairs the Consumer Affairs Committee of the New York City Bar Association. He formerly chaired the Debt Collection Practices and Bankruptcy Subcommittee of the American Bar Association. He is certified as a Leadership Professional in Ethics and Compliance by the Ethics Compliance Initiative. He is editor of the Consumer Financial Services Blog (cfsblog.com). He is a frequent speaker and author on ethics, financial services, and privacy law. His many articles on consumer financial services law have been published in law reviews and trade publications.

David Reid serves as General Counsel for the Receivables Management Association International (RMAI). In this capacity, David manages the legal, state legislative, regulatory, and advocacy activities of the association. David also serves as staff liaison to the RMAI Certification Council and its Standards and Remediation Committees. David is a graduate of Canisius College and Albany Law School. He is admitted to the California, New Jersey, and New York bars.

Before coming to Cozen O’Connor, Meghan served as chief of the Consumer Protection Division in the Office of the Nebraska Attorney General. In that role, Meghan was responsible for the investigation and enforcement of state and federal laws related to deceptive and unfair trade practices, data privacy and security, antitrust, nonprofits, tobacco regulation, and charitable trusts. Prior to serving in the Nebraska Attorney General Office, Meghan was senior privacy and marketing compliance analyst at the multibillion dollar Deluxe Corporation, provider of check printing and related business services.  Meghan also formerly served for almost a decade in the consumer protection and antitrust division of the Office of the Kansas Attorney General. Meghan has extensive experience, through her roles in Kansas and Nebraska, in coordinating closely with federal law enforcement agencies including the Federal Trade Commission, the Consumer Financial Protection Bureau, and the U.S. Department of Justice, to ensure consistent interpretation and judicious application of federal consumer protection laws.

Rami is a member of PRA’s Office of General Counsel, and his practice focuses on financial services regulatory compliance, defensive litigation, and data privacy. He also assists with various matters throughout PRA’s global offices in the Americas and across Europe. Rami received a Bachelor of Arts degree from Fresno State University in 2003, and a Juris Doctor degree from California Western School of Law in 2007. Prior to joining PRA, Rami served as a deputy district attorney for Riverside County in California, an associate attorney specializing in creditor’s rights for a multi-jurisdictional firm, and most recently as senior counsel of data privacy for Nelnet. In addition, Rami holds several certifications in data privacy from the International Association of Privacy Professionals.

Stefanie’s practice is devoted to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, as well as defending them in individual and class action lawsuits. Stefanie represents clients across the financial services industry on issues arising under an array of federal and state consumer financial laws, including UDAP/UDAAP statutes, the FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA.

Porter Heath Morgan is an attorney and advisor who partners with clients to help unlock their people and their leadership and compliance initiatives.  Heath is a third generation collection attorney who has grown up in the industry and has 19 years of in house counsel experience for collection agencies, collection law firms, debt buyers, healthcare providers and technology companies.

Heath is passionate about training and education and is a frequent speaker for ACA, NCBA, RMAI, and serves on the ACA Council of Delegates and is a founding member of the Colorado Creditors Bar Association where he serves on the board of directors and as the CLE Committee chair. Heath is licensed in Colorado, Kansas, Oklahoma, Wyoming and is a member of the Supreme Court Bar.

Joel joined Crown Asset Management in 2022 as General Counsel and Chief Compliance Officer. He has 16 years of legal and regulatory compliance experience in the consumer finance industry. Prior to joining Crown Asset Management, Joel served as Assistant General Counsel for a leading non-bank financial services company. With his background, he brings expertise in several consumer finance law areas such as the Equal Credit Opportunity Act, the Fair Credit Reporting Act, Gramm-Leach-Bliley, the Fair Debt Collection Practices Act, and others. He has a history of successful dealings with state and federal regulators.

Jonathan L. Pompan is a Partner in Venable LLP’s Washington, DC office and co-chair of the firm’s consumer financial services practice group.  Jonathan has extensive experience representing companies before the FTC, CFPB, state attorneys general, and state regulators. His experience includes several CFPB investigations and enforcement matters, examination preparation and appeals, conducting compliance audits, obtaining licenses, and assisting in the formation and development of new products and services. In addition, he provides ongoing compliance and general counseling advice to clients in the consumer financial services sector, including debt buyers and collectors, loan originators, fintech service providers, and advertisers and marketers, including lead generators.  Jonathan is versatile and creative in addressing legal and business considerations, and in developing compliance programs and advice tailored to his client’s unique needs and meeting government expectations.

Anne Thomas has been with Cavalry Portfolio Services for more than 15 years and has been in the debt collection industry for nearly 20 years. As part of her role, Anne is responsible for designing, implementing, and monitoring the Compliance Management System. In addition, she serves as a member of Cavalry’s Compliance Committee and is currently the President of the RMAI Board of Directors, representing over 600 companies in the receivables management industry.

Lauren is a licensed attorney and a regulatory and compliance specialist for the financial services industry. Having served as general counsel for many years in the financial services industry, Lauren has a breadth of experience advising on compliance with federal and state consumer protection laws, government regulation and affairs, state licensing requirements, data privacy, litigation defense, labor and employment issues, transactional matters, and business strategy. Her background makes Lauren uniquely positioned to help companies operationalize compliance across an organization. Her hands-on experience leading cross-functional teams to design, implement, and test policies, procedures, processes, and compliance management systems gives Lauren a unique perspective that is sensitive to the realities companies face when determining how to best mitigate risks while optimizing resources.

Lauren is a leader in the accounts receivables industry. She serves on multiple committees for ACA International and RMAi, and is an ACA certified Credit and Collection Compliance Attorney. She has presented and/or written compliance commentary for InsideARM, ACA International, AccountsRecovery.Net, Receivables Info, and the California Association of Collectors (CAC). Lauren has also served as guest on multiple industry podcasts. She was recognized as a Top 50 Receivables Professional and a Top Women Leader in Accounts Receivable in 2019 by Receivables Advisor.

Dan Crowley is a partner in K&L Gates’ Washington, D.C. office. He leads the firm’s global financial services policy practice. In the decade before joining K&L Gates, he led the government relations efforts at the Investment Company Institute, The Nasdaq Stock Market, and the National Association of Securities Dealers. Previously, he served as general counsel to then-House Speaker Newt Gingrich, and to House Oversight Committee Chairman Bill Thomas. Dan also serves as RMAI’s Federal Counsel.

Celia is a Senior Vice President with AFSA and has been with the association since 2006. She leads AFSA’s federal government affairs department, which promotes AFSA’s mission of expanding and protecting access to consumer credit with policymakers on Capitol Hill, the administration, and federal regulators. In addition, she oversees AFSA’s legal efforts. Her expertise covers a wide range of regulatory, legislative, and legal issues associated with consumer credit and she is a frequent speaker on those topics. She serves as the liaison to AFSA’s Law Committee and Diversity and Inclusion Working Group.

Before joining AFSA, Celia worked in the Development Office at the Pontifical North American College. She has a Bachelor of Arts in Politics from The Catholic University of America

Alan Hochheiser is a leading practitioner in the areas of creditors’ rights and bankruptcy law. He advises and represents businesses, regional and national banks, credit unions, equipment lessors and other lenders, as well as secured and unsecured creditors.  Among his accomplishments, he has successfully resolved non-dischargeable claims based upon fraud conversion and breach of fiduciary issues and has successfully handled the assumption of leases in the bankruptcy of a major airline. Al has been named to ALM’s list of Cleveland’s Top-Rated Lawyers and is peer-rated AV Preeminent by Martindale-Hubbell, the worldwide guide to lawyers.

Terence W. Culler is the Director for Retail Credit Risk Policy at the Office of the Comptroller of the Currency (OCC). In this role, Mr. Culler manages the team responsible for developing, communicating, and interpreting policies for the OCC’s supervision of retail credit lending at national banks and federal savings associations. He represents the OCC as a retail credit subject matter expert in industry and interagency forums. Mr. Culler serves as the chairperson of the OCC’s National Retail Risk Committee, which advises the National Risk Committee on retail lending risks and trends in the federal banking system. He began serving in this role in January 2022.

Before being named Director for Retail Credit Risk Policy, Mr. Culler served as the Team Lead for Retail and Commercial Credit in Large Bank Supervision at Capital One. Before that, he served in various supervision roles within Large Bank Supervision and Midsize and Community Bank Supervision. He also served as Acting Deputy Comptroller for Credit Risk Policy from July 2022 to December 2022.

Mr. Culler began his OCC career in 2005. He was commissioned as a National Bank Examiner in 2010 and attained the Federal Thrift Regulator certification in 2013. Mr. Culler is a graduate of Lincoln University of Missouri with a bachelor’s degree in business administration, concentration in finance.

John McNamara is the Principal Assistant Director of Markets and the Assistant Director for Consumer Credit, Payments, and Deposits Markets in the Research, Markets and Regulations division of the Consumer Financial Protection Bureau. He leads a team of subject matter experts and analysts covering the credit card, payments, deposits, student, auto, small dollar, marketplace, and installment lending markets, as well as credit reporting, debt collection, debt relief, fintech and the use of artificial intelligence and machine learning in consumer financial services. He also manages budgeting, staffing, and administration of the Bureau’s Markets Office. Prior to joining the CFPB, John was Chief Marketing Officer for LiveVox, a leading provider of cloud contact center solutions and director/co-founder of Fidelis Recovery Solutions, Inc., a debt collector.

Cara Cotter is a Partner at Kaleo Legal in Virginia Beach.  Her practice focuses on regulatory compliance, privacy and cybersecurity, and commercial contracts.  Prior to joining Kaleo, Cara spent more than eight years serving as in-house counsel to major debt buyers in the industry.  Cara specializes in regulatory compliance and review and analysis of portfolio acquisitions and purchase and sale agreements.

Jonathan is an associate in the consumer financial services practice, with a primary focus on financial services litigation. He represents clients in class actions and business disputes in both federal and state courts. Jonathan’s practice includes counseling to help businesses navigate and litigate the myriad consumer and financial services laws, with a particular emphasis on the many “alphabet soup” federal consumer protection statutes, such as the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act (FCRA). Jonathan is also experienced with a variety of state consumer protection laws and regularly litigates actions arising under the West Virginia Consumer Credit Protection Act (WVCCPA) and New York General Business Law § 349. He regularly represents a number of businesses in mortgage-foreclosure disputes and auto-finance litigation.

Lauren is a licensed attorney and a regulatory and compliance specialist for the financial services industry. Having served as general counsel for many years in the financial services industry, Lauren has a breadth of experience advising on compliance with federal and state consumer protection laws, government regulation and affairs, state licensing requirements, data privacy, litigation defense, labor and employment issues, transactional matters, and business strategy. Her background makes Lauren uniquely positioned to help companies operationalize compliance across an organization. Her hands-on experience leading cross-functional teams to design, implement, and test policies, procedures, processes, and compliance management systems gives Lauren a unique perspective that is sensitive to the realities companies face when determining how to best mitigate risks while optimizing resources.

Lauren is a leader in the accounts receivables industry. She serves on multiple committees for ACA International and RMAi, and is an ACA certified Credit and Collection Compliance Attorney. She has presented and/or written compliance commentary for InsideARM, ACA International, AccountsRecovery.Net, Receivables Info, and the California Association of Collectors (CAC). Lauren has also served as guest on multiple industry podcasts. She was recognized as a Top 50 Receivables Professional and a Top Women Leader in Accounts Receivable in 2019 by Receivables Advisor.

A Servicing and Collections Operations Management expert, Denise brings 37 years of industry experience to her clients.  Her primary focus is workflow analysis and design, with a strong focus on ROI, litigation strategies and operational efficiencies. Her collections experience encompasses a multitude of portfolio types including: deficiency, retail, bankcard, medical, commercial collections, early stage, litigation and student loans. Denise’s career started in 1987 as a collector and moved through management, including General Manager.  Her areas of expertise include collections-workflow, analytics, legal and operational efficiencies.

Jeff is a Industry Specialist with TransUnion’s Collection Vertical.  He works with all TU clients on analytics, best practices and help bringing new solutions to the 3^rd party/ debt buying industry.  Jeff has been at TransUnion for 15 years with over ten years in the 3PC space.  Jeff also worked in fraud prevention and detection for 5 years and is working to help agencies and debt buyers identify fraudulent accounts.  Because Jeff works with all of TransUnion’s collections customers, Jeff brings tremendous knowledge and best practice solutions to our clients.

Tim Collins is an experienced professional digital collection advocate in the ARM industry. He currently holds the position of General Counsel at InDebted, having previously served as the company’s Chief Customer & Compliance Officer. With more than 30 years of experience, he is well-respected for his thought leadership, customer advocacy, and innovative approach. Additionally, he actively participates in RMAI by serving on the Fintech Legal Working Group and presenting on webinars and at the RMAI Annual Conference.

Cara Cotter is a Partner at Kaleo Legal in Virginia Beach.  Her practice focuses on regulatory compliance, privacy and cybersecurity, and commercial contracts.  Prior to joining Kaleo, Cara spent more than eight years serving as in-house counsel to major debt buyers in the industry.  Cara specializes in regulatory compliance and review and analysis of portfolio acquisitions and purchase and sale agreements.

Jonathan is an associate in the consumer financial services practice, with a primary focus on financial services litigation. He represents clients in class actions and business disputes in both federal and state courts. Jonathan’s practice includes counseling to help businesses navigate and litigate the myriad consumer and financial services laws, with a particular emphasis on the many “alphabet soup” federal consumer protection statutes, such as the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act (FCRA). Jonathan is also experienced with a variety of state consumer protection laws and regularly litigates actions arising under the West Virginia Consumer Credit Protection Act (WVCCPA) and New York General Business Law § 349. He regularly represents a number of businesses in mortgage-foreclosure disputes and auto-finance litigation.

Lauren is a licensed attorney and a regulatory and compliance specialist for the financial services industry. Having served as general counsel for many years in the financial services industry, Lauren has a breadth of experience advising on compliance with federal and state consumer protection laws, government regulation and affairs, state licensing requirements, data privacy, litigation defense, labor and employment issues, transactional matters, and business strategy. Her background makes Lauren uniquely positioned to help companies operationalize compliance across an organization. Her hands-on experience leading cross-functional teams to design, implement, and test policies, procedures, processes, and compliance management systems gives Lauren a unique perspective that is sensitive to the realities companies face when determining how to best mitigate risks while optimizing resources.

Lauren is a leader in the accounts receivables industry. She serves on multiple committees for ACA International and RMAi, and is an ACA certified Credit and Collection Compliance Attorney. She has presented and/or written compliance commentary for InsideARM, ACA International, AccountsRecovery.Net, Receivables Info, and the California Association of Collectors (CAC). Lauren has also served as guest on multiple industry podcasts. She was recognized as a Top 50 Receivables Professional and a Top Women Leader in Accounts Receivable in 2019 by Receivables Advisor.

Rebekah Luebcke is Vice President of Operations for Crown Asset Management, LLC. In her role, she oversees the team of Relationship Managers who support both the Litigation and Agency networks that service Crown’s consumer credit portfolios, empowering performance through data and systems education and navigation of portfolio nuances. Her team serves as a liaison between and an advocate for the servicers and the various departments within the organization. Before her work with Crown, Rebekah spent nearly 15 years gaining experience in the collections, payments processing, and revenue cycle management industries.

Don Maurice is a partner at Maurice Wutscher LLP representing the financial services industry in compliance matters, bench trials, jury trials and appeals of individual and class actions. He is admitted to the Bars of Massachusetts, New York, New Jersey, and the District of Columbia and has practiced law since 1988. Don has been inducted into the American College of Consumer Financial Services Lawyers. Don serves as outside counsel to RMAI. He is a fellow at the American Bar Foundation and chairs the Consumer Affairs Committee of the New York City Bar Association. He formerly chaired the Debt Collection Practices and Bankruptcy Subcommittee of the American Bar Association. He is certified as a Leadership Professional in Ethics and Compliance by the Ethics Compliance Initiative. He is editor of the Consumer Financial Services Blog (cfsblog.com). He is a frequent speaker and author on ethics, financial services, and privacy law. His many articles on consumer financial services law have been published in law reviews and trade publications.

Katie Neill serves as Associate General Counsel at TrueAccord. Katie is a well-known attorney in the industry currently sitting on ACA’s Judicial Committee and the Consumer Relations Consortium’s Steering Committee. Katie was also the inaugural Chair of CRC’s Legal Advisory Board. Katie has been heavily involved in advocating for the industry before federal and state regulators in several initiatives, including commenting on the CFPB’s proposals (such as Regulation F) and other initiatives through CRC designed to bring regulators, consumer advocates, and industry to the table to educate each other and find mutual solutions. Prior to joining TrueAccord, Katie was the General Counsel at insideARM, where she acted as a legal and regulatory navigator for the debt collection industry through authoring articles and creating an industry-specific case law research database, and, before that, as Litigation & Compliance Counsel at ARS National Services.

Altaf is a Vice president with Epicenter, an organization with over 3000 employees in Mumbai India. He has over 20 years of experience leading various departments and teams across Operations, Training, Sales, Workforce Management, and Analytics.

Shelly Gensmer-Cleek has served in legal and compliance in the accounts receivable industry 20+ years. Shelly specializes in data privacy and cyber security law, holding several certifications and a micro credential from Purdue law school. She offers her expertise to industry peers as contract CPO and CCO, as well as internal audit programming – all through Frost Echols law firm.

Jonathan L. Pompan is a Partner in Venable LLP’s Washington, DC office and co-chair of the firm’s consumer financial services practice group.  Jonathan has extensive experience representing companies before the FTC, CFPB, state attorneys general, and state regulators. His experience includes several CFPB investigations and enforcement matters, examination preparation and appeals, conducting compliance audits, obtaining licenses, and assisting in the formation and development of new products and services. In addition, he provides ongoing compliance and general counseling advice to clients in the consumer financial services sector, including debt buyers and collectors, loan originators, fintech service providers, and advertisers and marketers, including lead generators.  Jonathan is versatile and creative in addressing legal and business considerations, and in developing compliance programs and advice tailored to his client’s unique needs and meeting government expectations.

Nicole M. Strickler is a seasoned litigator focusing her practice in the defense of consumer financial services litigation throughout the country. This includes representing clients in both individual and class actions involving state and federal consumer protection laws, such as Fair Debt Collection Practices Act, Fair Credit Reporting Act, Telephone Consumer Protection Act, and similar state laws. Her clients include corporations, lending institutions, collection agencies, asset purchasers, lawyers as well as individuals. While she always strives to win prior to trial, Ms. Strickler has successfully defended numerous bench and jury trials on behalf of her clients, including class claims. She is routinely solicited to speak before national industry trade organizations, and in publications, concerning issues affecting the credit and collection industry.