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.

Rebekah Luebcke serves as Chief Operating Officer of Invenio Financial, where she oversees operational strategy, inventory management, vendor performance, and operational support functions across the organization. Ms. Luebcke brings more than 20 years of experience in receivables management, financial services operations, and compliance collaboration, including operations leadership roles with two prominent debt buyers and prior leadership experience in payments processing and revenue cycle management. Throughout her career, she has led initiatives focused on operational optimization, collection vendor oversight, litigation network management, performance strategy, change management, and regulatory readiness. Within the industry, Ms. Luebcke currently serves as Chair of the (RMAI) Industry Research Working Group and is a member of various other committees and working groups. She previously served on the Fintech Legal Working Group, contributing to the development of RMAI’s fintech asset class requirements adopted in 2022 and related industry resource papers addressing fintech receivables and chain of title considerations. Ms. Luebcke holds a Master of Music Education and Bachelor of Arts in Music from The University of Mississippi, is an RMAI Certified Receivables Compliance Professional (CRCP), and was recognized with the 2022 RMAI President’s Award and the 2025 Women in Consumer Finance Visionary Leadership Award.

Jeff Hasenmiller joined D&A Services, LLC (“D&A”) in May 2019 as Chief Risk Offer (“CRO”). Jeff is the corporate executive tasked with assessing and mitigating significant competitive, regulatory, and technological threats to both D&A and their clients. In addition to issues of compliance, Jeff plays a large part with issues such as insurance, IT security, financial auditing, policies & procedures, internal auditing, global business variables, fraud prevention, and other internal corporate investigations. Jeff has over 30 years of experience in recovery strategies. Possessing expert knowledge in recovery strategies, risk management, modeling & analytics, customer service, vendor relationships, agency management, financial forecasting, litigation strategies, compliance, account level segmentation, and portfolio management for multi- product billion-dollar portfolios. In addition, Jeff is a member of the Receivables Management Association International (RMAI) and ACA International and has attending 130+ collection industry conferences for debt purchasing, debt recoveries, legal collections, compliance, and credit reporting.

Geoff Meister is the CEO of Paragon, a master servicing organization that leverages data, predictive analytics, and a nationwide network of agencies and law firms to optimize charged-off receivable performance. Over the past 25 years, Geoff has held leadership roles spanning debt purchasing, portfolio valuation, collections operations, and business development, giving him firsthand experience across the full receivables management lifecycle. Before founding Paragon, he built and managed high-performing recovery operations and managed consumer receivable portfolios from many of the nation’s largest financial institutions. His expertise includes analytics-driven servicing, vendor management, compliance, litigation strategy, and maximizing portfolio performance throughout the recovery lifecycle.

Gregory Straub has a lengthy history in operations management, with particular focus in legal management and litigation areas.  He serves as Executive Vice President at Pollack & Rosen targeting client growth, asset acquisitions and operational strategy, with a focus on emerging areas such as digital communications and AI-driven consumer behavior modeling.  Gregory has previously been president of a California based collections litigation firm specializing in the acquisition, management and sale of distressed asset portfolios.  Prior to directing the California firm, he was president and regulatory counsel directing operations of a multi-state call center and collections services operation.  Gregory focuses upon business performance assessments and process improvement strategies, revenue performance analysis and litigation and post judgment recovery initiatives.  Gregory also owns and has managed numerous franchise operations throughout the US.  The most recent-Pickleball!  He holds an undergraduate degree in Psychology from Marquette University and his law degree from Creighton University School of Law.

Gabriel Foguel is a Group Product Manager at Affirm, where he leads the company’s post-purchase risk product domain, including collections, recoveries, bankruptcy, and hardship experiences. He has over 10 years of experience across fintech, risk, payments, and platform technology, beginning his career at Fitch Ratings before moving into product leadership roles at Amazon and Affirm.

Mark Ravanesi is CEO of TrueAccord, an RMAI certified debt collection agency that delivers full-cycle debt recovery services powered by AI, data, and personalized consumer engagement. With nearly three decades in credit and collections, Mark brings deep experience across credit risk management, collections strategy, operations, customer experience, and digital transformation, including senior roles at Barclays UK, Discover, GE, and Bridgeforce. Mark also currently serves on the RMAI Board of Directors.

Since 2010, Ric has served as the Sr. Vice President of Originations for the Specialty Finance Lending division of KeyBank.  In this role he is responsible for managing all client/asset management, co-lender/banking partners, operations, and agent administration associated with the asset-based warehouse lending business segment. With over 35 years of experience in commercial finance, Ric has developed an extensive background in structured finance, asset-based securitization (ABS), asset-based lending (ABL), Equipment Finance, Capital Markets and Syndications, Derivative Valuations, and Mergers & Acquisitions while working for such notable entities as American Express, CitiCapital Global Markets, and currently KeyBank.  Over his career he has helped start and grow two successful finance companies as well as a derivative valuation firm.  Ric holds a BA in Economics from the University of Colorado, as well as an MBA and a MS in Quantitative Finance from Tulane University.  He was the recipient of the Allen R. Vorholt Memorial Alumni Award for leadership and high academic achievement at Tulane University and has received national academic honors in both economics and business.

Reese Henson joined Citizens Financial Institutions practice in 2022 and has led Specialty Finance Corporate Coverage for the last 3-yaers.  He has been focused on financial institutions coverage for the better part of his 15-year banking career.  Prior to Citizens, he served as a Senior Vice President for Cadence Bank, and an Associate Managing Director for CIBC.  He’s served on the ACG-Atlanta Board of Directors for the last 5 years and graduated from the University of Alabama with a dual-major in Finance and Economics.

Alex Kreissman is responsible for leading the ING Financial Services team in the US. The group provides lending and debt structuring services to the financial services and consumer finance sectors. He joined ING in 2010 and has originated structured and leveraged transactions both in the US and in Europe. Alex holds a Bachelor of Arts Degree from the University of Southern California.

Mark Viglotti is a Senior Director at PGIM, the global asset management business of Prudential Financial, which has $1.4 trillion in assets under management. He leads a team responsible for originating, structuring, and managing senior debt and mezzanine investments. Mark has extensive experience providing debt financing solutions to various industries, including platforms in specialty finance and asset-based industries. He works closely with management teams, sponsors, and institutional partners to deliver customized capital solutions supporting growth, acquisitions, and portfolio optimization.

Sean Fox is Chief Revenue Officer and President of Debt Relief at Achieve, a leader in digital personal finance. He leads the company’s debt relief business (including Freedom Debt Relief), helping drive growth, innovation and operational excellence across one of the nation’s largest consumer debt relief organizations. With more than 20 years of executive leadership experience spanning financial services, technology and digital marketing, Fox is a recognized voice on consumer debt, financial wellness and the evolving debt relief industry.

Before joining Achieve, Fox held senior leadership roles at several high-growth businesses, including chief operating officer of Reply.com and president of Connecting Neighbors. Earlier in his career, he served as a litigator in the U.S. Department of Justice’s Antitrust Division, where he worked on complex competition and regulatory matters.

Nick Kosmas serves as Chief Legal Officer of ClearOne Advantage, one of the nation’s fastest-growing consumer specialty finance organizations, where he oversees all aspects of litigation, regulatory compliance, and corporate strategy. Under his leadership, ClearOne has successfully navigated complex consumer protection matters while achieving 250% growth and expanding into new markets. He has built and leads a sophisticated legal team managing nationwide litigation portfolios, regulatory compliance, and enforcement issues all while maintaining industry-leading compliance standards in the consumer financial services sector.

As the company’s chief legal strategist, Nick has structured multiple acquisitions, capital raises, and the successful launch of OneLoan Direct, a full service lending platform, while simultaneously managing high-stakes consumer litigation and regulatory matters across all 50 states. His expertise spans consumer protection law, UDAAP compliance, TCPA defense, and class action litigation, complemented by deep experience in corporate transactions and regulatory advocacy.

As General Counsel of the Consumer Debt Relief Initiative (CDRI), Nick helps shape consumer protection policy and industry defense strategies through active engagement with regulators, legislators, and enforcement agencies. He has testified before State Legislatures, led national lobbying efforts, and worked extensively with regulators to develop pragmatic approaches to consumer protection that balance business innovation with regulatory compliance.

Before joining ClearOne, Nick served as Managing Counsel at Laureate Education, where he directed global litigation strategy, compliance programs, and regulatory matters across multiple institutions. He holds a JD from the University of Baltimore School of Law, an MBA from the University of Baltimore Merrick School of Business, and a BS from Towson State University.

A recognized authority in consumer financial services law, Nick frequently speaks on litigation strategy, regulatory compliance, and consumer protection trends. His practical insights into managing enterprise-level litigation risk while driving business growth have established him as a leading voice in the evolution of consumer financial services.

Jason Mulvihill is the President and Chief Executive Officer of the Association for Consumer Debt Relief (ACDR).  ACDR is the leading national association of debt relief companies. ACDR educates consumers and policymakers about debt resolution and its benefits, holds debt resolution companies to the highest industry standards, and protects and expands access to accredited debt resolution services nationwide. Mulvihill brings extensive leadership, legal, and policy expertise to ACDR. Before joining ACDR, Mulvihill spent two decades in leadership roles at the intersection of financial services, technology, policy, and politics. He previously served as President of Capitol Asset Strategies, a leading consulting and advocacy firm.

He also formerly served for over twelve years as Chief Operating Officer and General Counsel at the American Investment Council (AIC), the primary private equity and private credit trade association, where he spearheaded successful advocacy efforts on numerous high-profile legislative and regulatory issues. His leadership efforts helped preserve licenses to operate for private equity firms, private credit firms, and many private fund portfolio companies. Mulvihill played an instrumental role in saving billions of dollars for businesses worldwide.

Before his tenure at AIC, Mulvihill held senior roles on Capitol Hill, serving first as senior staff on the Commerce, Science, and Transportation Committee and then as a Legislative Director and Chief Counsel in the United States Senate. As a Legislative Director and Chief Counsel, Mulvihill was responsible for tax and trade issues before the Senate Finance Committee. In 2009, he developed and secured enactment of cancellation of debt income legislation.

Jonathan Goldberg is Founder and President of National Recovery Associates, Inc. (NRA), a Newark, New Jersey-based full recovery lifecycle master servicer providing end-to-end solutions from charge-off through judgment enforcement. Jonathan oversees strategy, operations, technology, and client partnerships, helping lenders and investment groups maximize recoveries while maintaining the highest standards of compliance and consumer treatment. Under his leadership, NRA has expanded its technology capabilities, strengthened its nationwide attorney network, and continued to innovate through data-driven decision making and operational excellence. Jonathan is a frequent participant in the receivables management industry and is passionate about advancing ethical collection practices, fostering strong client relationships, and building high-performing teams.

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.

Brett Soldevila serves as the Chief Compliance Officer for Security Credit Services, LLC, a receivables management company specializing in the purchase of performing and non-performing receivables. Prior to joining Security Credit Services, Brett served in the internal audit department of a global consumer and commercial services company, and in the audit & enterprise risk services department of a professional services firm. Brett is a Certified Public Accountant, Certified Fraud Examiner, and Certified Receivables Compliance Professional. Brett was elected to the Receivables Management Association International (RMAI) Board of Directors in 2017; and currently serves as Past President for the RMAI Board. Prior to serving on the RMAI Board, he served as the Chair of the RMAI Certification Council and has also served as Chair for the RMAI’s Certification Standards Committee.

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.

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.

Bryce Payne spearheads all partner and channel sales efforts as well as maintaining relationships with existing partners at TCN. With more than 18 years of experience in the telecommunications industry, Bryce has significantly contributed to TCN’s rapid growth by successfully expanding TCN’s partnerships across multiple sectors and acquiring new customers globally.

Jackson’s background includes over 29 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 Chief Legal Officer 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.

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.

Don Maurice is a partner at Maurice Wutscher LLP representing the financial services industry in bench trials and jury trials of individual and class actions as well as appeals. 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 where he serves as Regent. He is outside counsel to the Receivables Management Association International. 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). A frequent speaker and author on ethics, financial services, and privacy law, his many articles on these topics 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.