Anand Bhushan leads the credit risk function for PayPal's Global Buy Now Pay Later (BNPL) and Installment products, with a mission to deliver sustainable credit solutions across continents. His focus remains on accelerating innovation while driving profitable and sustainable growth. With a career spanning multiple years in the financial sector, Anand's expertise lies in driving profitable growth for lending and payment products.

‍

During his tenure as Chief Credit Officer at Varo Bank, he led the credit risk, model risk, and enterprise risk analytics functions, shaping the bank's lending strategy and credit policies. His role included chairing the Credit Risk Committee and serving as a voting member of the Asset and Liability Committee. Prior to Varo Bank, Anand developed his leadership expertise at American Express in multiple roles across consumer and small business credit lifecycle. His strategic thinking and analytical rigor have been instrumental in his current leadership role at PayPal, navigating complex landscapes to secure the financial future of products and customers.

Munish leads Sallie Mae’s integrated risk and compliance function, overseeing all financial and non-financial risk management activities and fostering a strong risk culture across the company. He also manages relationships with regulators.

Munish joined Sallie Mae in 2021 as Chief Credit Risk Officer. Prior to that, he was Senior Vice President at Bank of America and held senior roles at Bank of New York Mellon, PNC National Bank, and MBNA over a 25+ year career. His expertise spans consumer lending, deposit products, credit and risk management, decision science, business transformation, operations, and regulatory management, with projects across North America, Europe, China, and India.

He holds a Bachelor of Engineering from MACT, Bhopal, an MBA from the Indian Institute of Management, Calcutta, and a Ph.D. in Economics from the University of Delaware.

Munish serves on the board of the University of Delaware’s Center for Economic Education & Entrepreneurship and on the Smith Enterprise Risk Consortium Advisory Council at the University of Maryland’s Robert H. Smith School of Business.

Dr. Amy Crews Cutts is a nationally recognized thought leader and chief economist focused on providing strategic economic analysis rooted in practical business terms. She is the President and Chief Economist of AC Cutts & Associates LLC, an economics and policy consulting firm.

‍

Previously, she served as Senior Vice President and Chief Economist at Equifax, and as Senior Director and Deputy Chief Economist at Freddie Mac. With over 30 years of economic analysis and policy development experience, Amy is a passionate advocate for expanding consumer and small business financial security and access to low-cost, non-predatory credit.

‍

A polished and engaging presenter, Dr. Cutts is a sought-after speaker and panelist. She is a frequent guest on the Urban Institute’s housing trend webinars, Third Bridge Consumer Credit Forums, and Equifax and RiskSpan webinars. Often quoted in national print and broadcast media, she has also published extensively in academic journals and books on topics such as the economics of subprime lending, the impact of technology on foreclosure prevention, and the drivers of strategic mortgage default.

‍

In 2015 and again in 2024, she won the Pulsenomics® Crystal Ball Award for Outstanding Performance in the Fannie Mae (formerly Zillow) Home Price Expectations Survey for her forecast accuracy. She also participates in the Wall Street Journal’s Survey of Leading Economists and the Blue Chip Economic Indicators® survey panel.

‍

Dr. Cutts holds an MA and PhD in Economics from the University of Virginia and a BS in Applied Mathematics from Trinity University in San Antonio, TX. In 2015, she became a Certified Business Economist® (CBE), a distinction of professional achievement from the National Association for Business Economics (NABE).

‍

She serves on the board of directors for the National Business Economics Issues Council, the policy advisory board for The Reinvestment Fund, and advisory boards for RiskSpan, Fairplay AI, and the National Foundation for Credit Counseling’s housing advisory board. She has taught economics at Georgetown University, Johns Hopkins University, and the University of Virginia, and was an Assistant Professor of Economics and Senior Researcher at the Maxwell School of Citizenship and Public Affairs at Syracuse University.

‍

In 2021, she co-authored Chopin Through the Window: An Autobiography with Franziska Stein.

Dev Chakraborty is a financial services executive with over 20 years of experience in consumer lending and credit risk management. As the General Manager of Cards, Mortgages & Spark at MoneyLion, he leads strategic initiatives to expand financial product offerings through data-driven underwriting solutions.

‍

Dev has managed substantial credit portfolios across leading institutions including Credit Karma, where he served as General Manager of Personal Loans, as well as Capital One and Barclays, where he led analytics teams responsible for billions in loan assets. His expertise spans business development, P&L ownership, portfolio optimization, and data-driven business strategy across secured and unsecured lending, with additional experience at Barclays UK in retail banking operations.

‍

A Georgia Tech graduate with MBAs from Columbia and London Business Schools, Dev combines technical expertise in financial modeling with strong business leadership in consumer lending and fintech innovation.

Joy Wilder Lybeer is a seasoned executive with over 30 years of experience driving growth, innovation, and operational excellence across top financial institutions. As former Chief Revenue Officer at Equifax, she led a $1.3B U.S. revenue organization, delivering double-digit growth across key sectors including Financial Services, Automotive, Insurance, and Fintech. She launched Equifax’s first Fintech practice and built an award-winning Alliance Program to expand market access and drive joint innovation.

‍

Previously, Joy held executive roles at SunTrust Bank (now Truist), where she served as Chief Strategy Officer and later led a 1,700-branch retail network with 12,000 employees. Known for her authenticity, performance mindset, and strategic leadership, Joy is now a trusted advisor to PE-backed companies, helping them scale and accelerate growth.

Richard Cordray served as the first Director of the Consumer Financial Protection Bureau under President Obama, returning over $12 billion to 30 million Americans and handling 1.3 million consumer complaints. Previously, he was Ohio's Attorney General and Treasurer, recovering over $2 billion for Ohio residents and leading the state's financial activities. He has argued seven cases before the U.S. Supreme Court and clerked for Justices Byron White and Anthony Kennedy. He recently joined the Board of Directors at Invela, which is developing innovative solutions to enable open banking. Rich graduated from Michigan State, Oxford University, and University of Chicago Law School. He is the author of Watchdog and lives in Grove City, Ohio with his wife Peggy and twin children Danny and Holly.

Lalitha Rao is a risk management executive with over 15 years of experience in fintech and traditional banking. As Chief Risk Officer at Imprint, she oversees enterprise risk strategy for the company's credit card and financial products.
Lalitha has led risk organizations at Square, where she served as Head of Credit Policy for Square Financial Services, and Stripe, where she was Global Head of Small Business Risk. Her experience includes credit underwriting, policy development, and regulatory compliance, with prior roles at Bank of the West and Capital One.
A Cornell Johnson MBA graduate, Lalitha combines technical expertise in risk assessment with proven leadership in scaling risk functions at high-growth financial technology companies.

Matt is a seasoned C-suite executive and advisor with extensive P&L, product management, business development and digital marketing experience across premier fintech and banking platforms. His leadership within early-stage opportunities as well as global firms has built a 20+ year track record of successful business transformation and growth. As Senior Advisor at Boston Consulting Group, Matt is deeply integrated into BCG’s global practices across payments, banking and private equity. Additionally, Matt serves as a trusted advisor to VC-backed fintechs, coaching leadership teams on strategies including go-to-market, partnerships and scaling.

‍

At JPMorgan Chase, Matt served as President of Ultimate Rewards & Loyalty Solutions, an internal fintech delivering and operating insights-driven capabilities at scale on an Agile platform for tens of millions of customers. Matt previously was the Head of Chase Sapphire where his group’s data-driven efforts to grow the flagship brand transformed the business model through integration of new strategic partners and expansion into consumer banking and digital wealth management.

‍

During his tenure at Barclaycard, Matt ran the largest revenue P&L as a key executive driving the US business from $1 billion in receivables to more than $25 billion. Previously, at Bank of America, in addition to senior strategy and corporate development roles, Matt led the launch of personal loans within the European market.Matt speaks Spanish, French and Portuguese and has lived and worked across the Americas, Europe and Asia.

Jane Barratt is Chief Advocacy Officer and Head of Global Public Policy at MX. Jane serves as FDX Board Co-Chair and has been a member of the FDX Board of Directors since 2021. She is a personal finance expert and champion of financial strength. In her role, Jane collaborates with financial institutions, regulatory bodies, policymakers and the financial ecosystem to ensure people have better financial outcomes through permissioned and secure data-driven innovation. She is a financial educator through LinkedIn Learning. Prior to MX, Jane was CEO of GoldBean, an education first investment advisory platform; and spent two decades driving growth for Fortune 500 companies.

Prior to joining FinRegLab, Kelly helped to stand up the Consumer Financial Protection Bureau, where she served most recently as the Assistant Director for Regulations. In that capacity, she oversaw rulemaking and guidance activities under the Dodd-Frank Act, Electronic Fund Transfer Act, and various other federal consumer financial laws. Kelly previously was counsel at WilmerHale, where she advised financial institutions on a wide range of legal and regulatory matters including product development, compliance, enforcement, and litigation. Kelly also conducted research on financial services innovation, community reinvestment, and other topics at the University of North Carolina at Chapel Hill.

‍

Bart Willaert is Executive Vice President for Open Finance for the Americas at Mastercard, where he oversees the development of new products and technologies to unlock an open data future rooted in innovation, security, and inclusion. In his current role, Bart previously led Mastercard’s Open Banking services in the APMEA region, focusing on the design, development and the commercialization of digital payments and data services powered by Open Banking in Europe and Australian markets.

Bart has served in various leadership roles at Mastercard since joining in 2009, including Executive Vice President for Fintech Processing solutions and Global Digital Market Solutions & Deployment, as well as General Manager for the Nordics & Baltics and French markets. Before Mastercard, he was a Project Leader with The Boston Consulting Group and founded a technology startup. Bart holds a degree in Commercial Engineering in Business Informatics from Katholieke Universiteit Leuven and serves as a Board Member for Mastercard Open Banking.

Das Mohandas currently serves as GM and Chief Lending Officer at Varo Bank. He is an accomplished executive with extensive expertise across the entire credit product lifecycle, including product development, origination strategies, portfolio risk management, and debt management.

Brent Montgomery is a seasoned financial services executive with over 21 years of experience in credit risk management, fraud prevention, and data analytics. Currently serving as Senior Vice President and Head of Credit Risk Management at Credit One Bank in Las Vegas, he oversees the complete end-to-end credit lifecycle management, including credit underwriting strategies, fraud prevention, and payment risk strategies.

Throughout his career, Brent has held senior positions at major financial institutions including Bank of America, where he spent nearly a decade managing card credit strategies and first-party fraud prevention, and Continental Finance Corporation, where he was instrumental in launching their credit card line of business. He holds a Bachelor of Science in Finance from Goldey-Beacom College and is recognized for his strong leadership abilities and comprehensive expertise spanning credit strategy, risk management, collections, and model development.

Bill Garber is the Senior Vice President for Credit Policy and Analytics at Navy Federal Credit Union, where he has served for over 20 years. He leads a team responsible for managing credit risk and pricing strategies across a broad spectrum of lending products. His team also oversees loss forecasting, reserve modeling, data furnishing, and credit bureau dispute resolution. Over the course of his career at Navy Federal, Bill has also led operational risk and fair lending functions. Before joining Navy Federal, Bill spent eight years at Commerce Bank in St. Louis. He began his career in academia, teaching political science courses in the St. Louis area after completing graduate studies.

Bill holds a Bachelor of Arts in Foreign Affairs from the University of Virginia. He pursued graduate work in European Politics and International Economics at the Johns Hopkins School of Advanced International Studies (SAIS) in Bologna, Italy, and Washington, D.C., and in Comparative Politics at Northwestern University. Outside of work, Bill enjoys traveling with his wife and children, hiking, biking, exploring new restaurants, and watching soccer.

Evan Bryman serves as the Chief Product and Strategy Officer at Concora Credit, where he has worked for over 15 years since November 2009. Based in Akron, Ohio he has held various leadership roles at the company, including Chief Operating Officer, President of General Purpose Credit Cards, and VP of Balance Transfer Cards. Prior to Concora Credit, Evan spent 11 years at Capital One in roles including Business Director and Credit Officer, Business Manager in Marketing, and Business Manager & Analyst in Product Development. He holds an MBA from Duke University's Fuqua School of Business and a B.Sc. in Physics from McGill University.

Debtosh Banerjee is the President of Seen Finance, bringing extensive expertise in consumer lending and fintech transformation. Seen Finance is a fintech that in partnership with a partner bank provides Credit Cards directly to consumers. Prior to joining Seen, he served as Senior Vice President and Head of Card and Banking at Avant, a high-growth financial technology company, after spending more than decade in US Bank and HSBC. Debtosh has a Master degree from University of Chicago and Bachelor degree from West Bengal University of Technology.

Nichole is the Co-founder of Credit Karma and former Chief Revenue Officer. She previously served as financial services sales director at Compete, which was acquired by TNS Media. She brings deep expertise in consumer credit, fintech innovation, and revenue strategy to guide the strategic discussion. Nichole holds a Doctorate degree from Miami University.

Kevin Feltes is the CEO of the Financial Data Exchange. FDX is a non-profit company dedicated to helping businesses build safer methods for enabling customers to safely share their financial data. FDX does this by bringing together diverse stakeholders to define common technical standards that make permissioned data sharing work better at scale across the industry.

Chris McCall is a financial services executive with 20+ years delivering financial results and building and leading teams in the lending industry. He combines a strong understanding of consumer behavior and P&L outcomes with deep statistical experience to solve problems from multiple perspectives. As a leader, Chris invests heavily in cross-functional collaboration as a means to deliver the best answers and to create a culture where everyone sees their contribution to a team result. Within teams, Chris enjoys creating a strong sense of ownership and accountability and investing in competency development to help each team member grow their results and careers.

Ankur Jain is the Founder and CEO of Bilt Rewards, the nation’s largest residential payments and neighborhood loyalty program. The program is the first of its kind to allow renters to earn points on rent payments and rewards on spend at local neighborhood businesses—all while helping build a path to homeownership. Bilt was developed in partnership with an alliance of the nation’s largest real estate owners and operators, representing over 4.5 million homes across the United States. The company is chaired by Kenneth Chenault, the former CEO of American Express, and in August 2024 was valued at $3.25 billion. Jain is also the Founder of Kairos, a venture studio building companies to tackle the world’s greatest challenges. Currently, the Kairos portfolio of brands is focused on making essential services like housing and healthcare more affordable.

Over the years, Kairos has helped launch and grow over $6.5 billion worth of companies tackling problems in healthcare, housing costs, transportation networks, and more. Before rejoining Kairos in May 2017, Jain was the Head of Product at Tinder, the world’s largest social network for meeting people. He joined Tinder after it acquired his previous company, Humin, where he served as Founder and CEO. Over the years, Jain has been recognized for a variety of achievements. In April 2024, Jain was named a billionaire by Forbes. In 2017, he was named a Young Global Leader by the World Economic Forum.

In 2015, Forbes placed him on their “30 under 30” list. In 2012, Jain was named “30 under 30: Solution Broker” by the Christian Science Monitor, and in 2011, Inc. Magazine named him the “Best Connected 21-Year-Old in the World” while also including him on their “30 Under 30” list. Jain currently serves on the innovation board of the X-Prize Foundation and graduated from the Wharton School of Business in May 2011. Jain is married to Erika Hammond Jain, and they live in New York City.

Brian Kelly is the Founder of The Points Guy (TPG), the trusted travel media platform that has revolutionized the travel and loyalty industries. From his beginnings in finance, Brian has used his expertise and passion to transform TPG from a personal blog to an unrivaled media powerhouse with over 11 million monthly visitors. His first book, How to Win at Travel, debuted on the New York Times Best Seller list and is the ultimate resource for everything from leveraging airline and credit card points to planning your dream itinerary.

Dubbed “The Man Who Turned Credit-Card Points Into an Empire” by New York Times, Kelly’s dynamic personality, deep industry knowledge, and extensive global travels have inspired millions to make their travel dreams a reality. Brian’s valued expertise has made him a regular on top morning shows such as CBS Mornings, Good Morning America, and LIVE with Kelly & Mark and news stations including CNN, MSNBC, ABC, Bloomberg and more. Over the years, Brian’s impressive work has been recognized on AdWeek’s Young Influentials list and Travel & Leisure’s Most Notable People in Travel list, and he has been named is Forbes’ #1 Travel Influencer and an OUT100 recipient. A firm believer that travel is a global force for good, Brian currently serves as a Committee Member for Rainbow Railroad, Global Ambassador for PeaceJam, and Co-Chair of the Gbowee Peace Foundation Leadership Council.

Nikki Cross is the Senior Director of Data Science Solutions at Nova Credit, a leading credit infrastructure and analytics company specializing in cash flow underwriting. She empowers financial institutions to leverage consumer-permissioned data to expand credit access responsibly. With over 15 years of experience in financial services, Cross brings expertise from both lender and vendor perspectives. She is a recognized thought leader in cash flow underwriting, frequently speaking at industry conferences on alternative credit data and implementation best practices. Prior to Nova Credit, Cross held senior data science roles at Mission Lane, LendUp, and TransUnion, and spent nearly a decade at Capital One in analytical and consulting roles. She holds a Master's degree in Analytics and a B.S. in Applied Mathematics from Georgia Institute of Technology. Cross is passionate about using advanced analytics to create more inclusive financial systems and expand responsible credit access.

As COO of Nova Credit, Collin Galster is focused on the company’s partner, product, and international growth. Galster is a member of Nova Credit’s founding team and has served in various capacities since the company’s founding in 2016, including Head of Sales and Business Development and, most recently, VP of International where he led the company’s global expansion efforts in Canada, the UAE, and the U.K. Prior to Nova Credit, Galster was a consultant at the Boston Consulting Group, providing strategic consulting to the largest multinational financial institutions in North America, Southeast Asia and Japan.

Chris Hansen is the General Manager of Strategic Partnerships and Alliances at Nova Credit, where he leads the development of product partnerships, channel partnerships, and net new vertical expansion. Under his leadership, Nova Credit has partnered with major financial institutions like SoFi and MoneyLion to increase approvals while maintaining the same level of risk.

‍

Chris is a trailblazer in open banking and financial inclusion. He previously founded a fintech company focused on payroll data connectivity, and held leadership roles at New American Funding, STRATIM, and AOL.

‍

Chris holds a Bachelor of Business Administration from the University of San Diego and is passionate about creating more inclusive financial access through innovative credit infrastructure.

Matt Lattman serves as the Senior Vice President for Card Acquisition Marketing at Discover. Prior to Discover, Matt was Chief Marketing Officer at Zero Financial, a financial technology startup. He also spent six years at Capital One in various roles, most recently as Head of Acquisition Marketing for their Consumer Bank. He joined Discover in 2019 as VP of Marketing, Pricing, and Product Strategy in Personal Loans.

Mr. Wasik is a Partner for 2^nd Order Solutions (2OS), a leading credit risk advisory firm. Over his 30 years in financial services, he has developed deep expertise in strategy, credit, operations, and loss forecasting.

As a Partner for 2OS, he has consulted to many lenders in improving their credit practices and capabilities. He has led multiple recent engagements with top 20 banks to significantly improve their Collections efforts and has led more than 50 engagements, spanning the full credit lifecycle.

Prior to joining 2OS, Mr. Wasik was at Capital One, where he led collections and recoveries for Capital One’s card and personal loan business during the Great Recession, led Capital One’s small business card portfolio (#2 VISA/MC issuer), and was one of a handful of senior credit officers.

Mr. Wasik graduated from Duke University and now lives in Richmond, Virginia.

Alex Johnson is the founder of Fintech Takes, a media brand focused on the intersection of financial services, technology, and public policy. Alex has 20+ years of experience in financial services (focused on lending and credit decisioning) with stops at FICO and Zoot Enterprises.

‍

Penny Crosman is Executive Editor, Technology at American Banker and its publisher, Arizent. Prior to taking on this role, she was Editor in Chief of Bank Technology News. She has held senior editorial roles at Bank Systems & Technology, Wall Street & Technology, Intelligent Enterprise, Network Magazine and Imaging Magazine.

Paul LaRusso is the CEO of Akoya, a tech platform that help fintechs and financial institutions give consumers greater control over their data.  Akoya was created​ to accelerate the availability of secure and reliable data access for the entire financial services industry.

Before leading Akoya, Paul was at JPMorgan Chase overseeing the firm’s open banking strategy. He developed the infrastructure to deliver secure data sharing for millions of customers. Paul held other senior leadership roles at JPMorgan Chase, including Head of Product for Digital Servicing, managing Chase’s digital communications and servicing products, and as Product Owner for Mobile, spearheading the strategy and launch of Chase’s first mobile banking apps. Paul also played a key role in creating industry standards as the Board Co-Chair of the Financial Data Exchange.

Paul holds an MBA from Georgetown University and a BA from Bucknell University.

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. He has over 30 years of experience in the accounts receivable management (ARM) and call/contact center industries, in addition to all phases of collections, recovery and call center operations with deep focus on technology, process improvement, compliance management systems and nine years of experience as a federal consumer financial protection regulator. McNamara also served as COO for Asset Management Outsourcing, Inc., SVP of Banking and Retail Operations for First Data Corporation’s ARM unit, Nationwide Credit/ACB, and VP of Operations for United Recovery Systems, LP.

‍

Sarah Davies has over 20 years experience in the financial services sector, serving as an executive leader and innovator in the analytics and decision science field. She previously was the Chief Data & Analytics Officer at Nova Credit and the Senior Vice President of Product, Analytics and Research at VantageScore Solutions, LLC where she led the development of the VantageScore credit scoring models. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis. She holds several patents in both the credit analytics and airline optimization fields. She is a frequent speaker and educator on credit risk and consumer behavioral analytics.

Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Anand Bhushan leads the credit risk function for PayPal's Global Buy Now Pay Later (BNPL) and Installment products, with a mission to deliver sustainable credit solutions across continents. His focus remains on accelerating innovation while driving profitable and sustainable growth. With a career spanning multiple years in the financial sector, Anand's expertise lies in driving profitable growth for lending and payment products.

‍

During his tenure as Chief Credit Officer at Varo Bank, he led the credit risk, model risk, and enterprise risk analytics functions, shaping the bank's lending strategy and credit policies. His role included chairing the Credit Risk Committee and serving as a voting member of the Asset and Liability Committee. Prior to Varo Bank, Anand developed his leadership expertise at American Express in multiple roles across consumer and small business credit lifecycle. His strategic thinking and analytical rigor have been instrumental in his current leadership role at PayPal, navigating complex landscapes to secure the financial future of products and customers.

Munish leads Sallie Mae’s integrated risk and compliance function, overseeing all financial and non-financial risk management activities and fostering a strong risk culture across the company. He also manages relationships with regulators.

Munish joined Sallie Mae in 2021 as Chief Credit Risk Officer. Prior to that, he was Senior Vice President at Bank of America and held senior roles at Bank of New York Mellon, PNC National Bank, and MBNA over a 25+ year career. His expertise spans consumer lending, deposit products, credit and risk management, decision science, business transformation, operations, and regulatory management, with projects across North America, Europe, China, and India.

He holds a Bachelor of Engineering from MACT, Bhopal, an MBA from the Indian Institute of Management, Calcutta, and a Ph.D. in Economics from the University of Delaware.

Munish serves on the board of the University of Delaware’s Center for Economic Education & Entrepreneurship and on the Smith Enterprise Risk Consortium Advisory Council at the University of Maryland’s Robert H. Smith School of Business.

Dr. Amy Crews Cutts is a nationally recognized thought leader and chief economist focused on providing strategic economic analysis rooted in practical business terms. She is the President and Chief Economist of AC Cutts & Associates LLC, an economics and policy consulting firm.

‍

Previously, she served as Senior Vice President and Chief Economist at Equifax, and as Senior Director and Deputy Chief Economist at Freddie Mac. With over 30 years of economic analysis and policy development experience, Amy is a passionate advocate for expanding consumer and small business financial security and access to low-cost, non-predatory credit.

‍

A polished and engaging presenter, Dr. Cutts is a sought-after speaker and panelist. She is a frequent guest on the Urban Institute’s housing trend webinars, Third Bridge Consumer Credit Forums, and Equifax and RiskSpan webinars. Often quoted in national print and broadcast media, she has also published extensively in academic journals and books on topics such as the economics of subprime lending, the impact of technology on foreclosure prevention, and the drivers of strategic mortgage default.

‍

In 2015 and again in 2024, she won the Pulsenomics® Crystal Ball Award for Outstanding Performance in the Fannie Mae (formerly Zillow) Home Price Expectations Survey for her forecast accuracy. She also participates in the Wall Street Journal’s Survey of Leading Economists and the Blue Chip Economic Indicators® survey panel.

‍

Dr. Cutts holds an MA and PhD in Economics from the University of Virginia and a BS in Applied Mathematics from Trinity University in San Antonio, TX. In 2015, she became a Certified Business Economist® (CBE), a distinction of professional achievement from the National Association for Business Economics (NABE).

‍

She serves on the board of directors for the National Business Economics Issues Council, the policy advisory board for The Reinvestment Fund, and advisory boards for RiskSpan, Fairplay AI, and the National Foundation for Credit Counseling’s housing advisory board. She has taught economics at Georgetown University, Johns Hopkins University, and the University of Virginia, and was an Assistant Professor of Economics and Senior Researcher at the Maxwell School of Citizenship and Public Affairs at Syracuse University.

‍

In 2021, she co-authored Chopin Through the Window: An Autobiography with Franziska Stein.

Dev Chakraborty is a financial services executive with over 20 years of experience in consumer lending and credit risk management. As the General Manager of Cards, Mortgages & Spark at MoneyLion, he leads strategic initiatives to expand financial product offerings through data-driven underwriting solutions.

‍

Dev has managed substantial credit portfolios across leading institutions including Credit Karma, where he served as General Manager of Personal Loans, as well as Capital One and Barclays, where he led analytics teams responsible for billions in loan assets. His expertise spans business development, P&L ownership, portfolio optimization, and data-driven business strategy across secured and unsecured lending, with additional experience at Barclays UK in retail banking operations.

‍

A Georgia Tech graduate with MBAs from Columbia and London Business Schools, Dev combines technical expertise in financial modeling with strong business leadership in consumer lending and fintech innovation.

Joy Wilder Lybeer is a seasoned executive with over 30 years of experience driving growth, innovation, and operational excellence across top financial institutions. As former Chief Revenue Officer at Equifax, she led a $1.3B U.S. revenue organization, delivering double-digit growth across key sectors including Financial Services, Automotive, Insurance, and Fintech. She launched Equifax’s first Fintech practice and built an award-winning Alliance Program to expand market access and drive joint innovation.

‍

Previously, Joy held executive roles at SunTrust Bank (now Truist), where she served as Chief Strategy Officer and later led a 1,700-branch retail network with 12,000 employees. Known for her authenticity, performance mindset, and strategic leadership, Joy is now a trusted advisor to PE-backed companies, helping them scale and accelerate growth.

Richard Cordray served as the first Director of the Consumer Financial Protection Bureau under President Obama, returning over $12 billion to 30 million Americans and handling 1.3 million consumer complaints. Previously, he was Ohio's Attorney General and Treasurer, recovering over $2 billion for Ohio residents and leading the state's financial activities. He has argued seven cases before the U.S. Supreme Court and clerked for Justices Byron White and Anthony Kennedy. He recently joined the Board of Directors at Invela, which is developing innovative solutions to enable open banking. Rich graduated from Michigan State, Oxford University, and University of Chicago Law School. He is the author of Watchdog and lives in Grove City, Ohio with his wife Peggy and twin children Danny and Holly.

Lalitha Rao is a risk management executive with over 15 years of experience in fintech and traditional banking. As Chief Risk Officer at Imprint, she oversees enterprise risk strategy for the company's credit card and financial products.
Lalitha has led risk organizations at Square, where she served as Head of Credit Policy for Square Financial Services, and Stripe, where she was Global Head of Small Business Risk. Her experience includes credit underwriting, policy development, and regulatory compliance, with prior roles at Bank of the West and Capital One.
A Cornell Johnson MBA graduate, Lalitha combines technical expertise in risk assessment with proven leadership in scaling risk functions at high-growth financial technology companies.

Matt is a seasoned C-suite executive and advisor with extensive P&L, product management, business development and digital marketing experience across premier fintech and banking platforms. His leadership within early-stage opportunities as well as global firms has built a 20+ year track record of successful business transformation and growth. As Senior Advisor at Boston Consulting Group, Matt is deeply integrated into BCG’s global practices across payments, banking and private equity. Additionally, Matt serves as a trusted advisor to VC-backed fintechs, coaching leadership teams on strategies including go-to-market, partnerships and scaling.

‍

At JPMorgan Chase, Matt served as President of Ultimate Rewards & Loyalty Solutions, an internal fintech delivering and operating insights-driven capabilities at scale on an Agile platform for tens of millions of customers. Matt previously was the Head of Chase Sapphire where his group’s data-driven efforts to grow the flagship brand transformed the business model through integration of new strategic partners and expansion into consumer banking and digital wealth management.

‍

During his tenure at Barclaycard, Matt ran the largest revenue P&L as a key executive driving the US business from $1 billion in receivables to more than $25 billion. Previously, at Bank of America, in addition to senior strategy and corporate development roles, Matt led the launch of personal loans within the European market.Matt speaks Spanish, French and Portuguese and has lived and worked across the Americas, Europe and Asia.

Jane Barratt is Chief Advocacy Officer and Head of Global Public Policy at MX. Jane serves as FDX Board Co-Chair and has been a member of the FDX Board of Directors since 2021. She is a personal finance expert and champion of financial strength. In her role, Jane collaborates with financial institutions, regulatory bodies, policymakers and the financial ecosystem to ensure people have better financial outcomes through permissioned and secure data-driven innovation. She is a financial educator through LinkedIn Learning. Prior to MX, Jane was CEO of GoldBean, an education first investment advisory platform; and spent two decades driving growth for Fortune 500 companies.

Prior to joining FinRegLab, Kelly helped to stand up the Consumer Financial Protection Bureau, where she served most recently as the Assistant Director for Regulations. In that capacity, she oversaw rulemaking and guidance activities under the Dodd-Frank Act, Electronic Fund Transfer Act, and various other federal consumer financial laws. Kelly previously was counsel at WilmerHale, where she advised financial institutions on a wide range of legal and regulatory matters including product development, compliance, enforcement, and litigation. Kelly also conducted research on financial services innovation, community reinvestment, and other topics at the University of North Carolina at Chapel Hill.

‍

Bart Willaert is Executive Vice President for Open Finance for the Americas at Mastercard, where he oversees the development of new products and technologies to unlock an open data future rooted in innovation, security, and inclusion. In his current role, Bart previously led Mastercard’s Open Banking services in the APMEA region, focusing on the design, development and the commercialization of digital payments and data services powered by Open Banking in Europe and Australian markets.

Bart has served in various leadership roles at Mastercard since joining in 2009, including Executive Vice President for Fintech Processing solutions and Global Digital Market Solutions & Deployment, as well as General Manager for the Nordics & Baltics and French markets. Before Mastercard, he was a Project Leader with The Boston Consulting Group and founded a technology startup. Bart holds a degree in Commercial Engineering in Business Informatics from Katholieke Universiteit Leuven and serves as a Board Member for Mastercard Open Banking.

Das Mohandas currently serves as GM and Chief Lending Officer at Varo Bank. He is an accomplished executive with extensive expertise across the entire credit product lifecycle, including product development, origination strategies, portfolio risk management, and debt management.

Brent Montgomery is a seasoned financial services executive with over 21 years of experience in credit risk management, fraud prevention, and data analytics. Currently serving as Senior Vice President and Head of Credit Risk Management at Credit One Bank in Las Vegas, he oversees the complete end-to-end credit lifecycle management, including credit underwriting strategies, fraud prevention, and payment risk strategies.

Throughout his career, Brent has held senior positions at major financial institutions including Bank of America, where he spent nearly a decade managing card credit strategies and first-party fraud prevention, and Continental Finance Corporation, where he was instrumental in launching their credit card line of business. He holds a Bachelor of Science in Finance from Goldey-Beacom College and is recognized for his strong leadership abilities and comprehensive expertise spanning credit strategy, risk management, collections, and model development.

Bill Garber is the Senior Vice President for Credit Policy and Analytics at Navy Federal Credit Union, where he has served for over 20 years. He leads a team responsible for managing credit risk and pricing strategies across a broad spectrum of lending products. His team also oversees loss forecasting, reserve modeling, data furnishing, and credit bureau dispute resolution. Over the course of his career at Navy Federal, Bill has also led operational risk and fair lending functions. Before joining Navy Federal, Bill spent eight years at Commerce Bank in St. Louis. He began his career in academia, teaching political science courses in the St. Louis area after completing graduate studies.

Bill holds a Bachelor of Arts in Foreign Affairs from the University of Virginia. He pursued graduate work in European Politics and International Economics at the Johns Hopkins School of Advanced International Studies (SAIS) in Bologna, Italy, and Washington, D.C., and in Comparative Politics at Northwestern University. Outside of work, Bill enjoys traveling with his wife and children, hiking, biking, exploring new restaurants, and watching soccer.

Evan Bryman serves as the Chief Product and Strategy Officer at Concora Credit, where he has worked for over 15 years since November 2009. Based in Akron, Ohio he has held various leadership roles at the company, including Chief Operating Officer, President of General Purpose Credit Cards, and VP of Balance Transfer Cards. Prior to Concora Credit, Evan spent 11 years at Capital One in roles including Business Director and Credit Officer, Business Manager in Marketing, and Business Manager & Analyst in Product Development. He holds an MBA from Duke University's Fuqua School of Business and a B.Sc. in Physics from McGill University.

Debtosh Banerjee is the President of Seen Finance, bringing extensive expertise in consumer lending and fintech transformation. Seen Finance is a fintech that in partnership with a partner bank provides Credit Cards directly to consumers. Prior to joining Seen, he served as Senior Vice President and Head of Card and Banking at Avant, a high-growth financial technology company, after spending more than decade in US Bank and HSBC. Debtosh has a Master degree from University of Chicago and Bachelor degree from West Bengal University of Technology.

Nichole is the Co-founder of Credit Karma and former Chief Revenue Officer. She previously served as financial services sales director at Compete, which was acquired by TNS Media. She brings deep expertise in consumer credit, fintech innovation, and revenue strategy to guide the strategic discussion. Nichole holds a Doctorate degree from Miami University.

Kevin Feltes is the CEO of the Financial Data Exchange. FDX is a non-profit company dedicated to helping businesses build safer methods for enabling customers to safely share their financial data. FDX does this by bringing together diverse stakeholders to define common technical standards that make permissioned data sharing work better at scale across the industry.

Chris McCall is a financial services executive with 20+ years delivering financial results and building and leading teams in the lending industry. He combines a strong understanding of consumer behavior and P&L outcomes with deep statistical experience to solve problems from multiple perspectives. As a leader, Chris invests heavily in cross-functional collaboration as a means to deliver the best answers and to create a culture where everyone sees their contribution to a team result. Within teams, Chris enjoys creating a strong sense of ownership and accountability and investing in competency development to help each team member grow their results and careers.

Ankur Jain is the Founder and CEO of Bilt Rewards, the nation’s largest residential payments and neighborhood loyalty program. The program is the first of its kind to allow renters to earn points on rent payments and rewards on spend at local neighborhood businesses—all while helping build a path to homeownership. Bilt was developed in partnership with an alliance of the nation’s largest real estate owners and operators, representing over 4.5 million homes across the United States. The company is chaired by Kenneth Chenault, the former CEO of American Express, and in August 2024 was valued at $3.25 billion. Jain is also the Founder of Kairos, a venture studio building companies to tackle the world’s greatest challenges. Currently, the Kairos portfolio of brands is focused on making essential services like housing and healthcare more affordable.

Over the years, Kairos has helped launch and grow over $6.5 billion worth of companies tackling problems in healthcare, housing costs, transportation networks, and more. Before rejoining Kairos in May 2017, Jain was the Head of Product at Tinder, the world’s largest social network for meeting people. He joined Tinder after it acquired his previous company, Humin, where he served as Founder and CEO. Over the years, Jain has been recognized for a variety of achievements. In April 2024, Jain was named a billionaire by Forbes. In 2017, he was named a Young Global Leader by the World Economic Forum.

In 2015, Forbes placed him on their “30 under 30” list. In 2012, Jain was named “30 under 30: Solution Broker” by the Christian Science Monitor, and in 2011, Inc. Magazine named him the “Best Connected 21-Year-Old in the World” while also including him on their “30 Under 30” list. Jain currently serves on the innovation board of the X-Prize Foundation and graduated from the Wharton School of Business in May 2011. Jain is married to Erika Hammond Jain, and they live in New York City.

Brian Kelly is the Founder of The Points Guy (TPG), the trusted travel media platform that has revolutionized the travel and loyalty industries. From his beginnings in finance, Brian has used his expertise and passion to transform TPG from a personal blog to an unrivaled media powerhouse with over 11 million monthly visitors. His first book, How to Win at Travel, debuted on the New York Times Best Seller list and is the ultimate resource for everything from leveraging airline and credit card points to planning your dream itinerary.

Dubbed “The Man Who Turned Credit-Card Points Into an Empire” by New York Times, Kelly’s dynamic personality, deep industry knowledge, and extensive global travels have inspired millions to make their travel dreams a reality. Brian’s valued expertise has made him a regular on top morning shows such as CBS Mornings, Good Morning America, and LIVE with Kelly & Mark and news stations including CNN, MSNBC, ABC, Bloomberg and more. Over the years, Brian’s impressive work has been recognized on AdWeek’s Young Influentials list and Travel & Leisure’s Most Notable People in Travel list, and he has been named is Forbes’ #1 Travel Influencer and an OUT100 recipient. A firm believer that travel is a global force for good, Brian currently serves as a Committee Member for Rainbow Railroad, Global Ambassador for PeaceJam, and Co-Chair of the Gbowee Peace Foundation Leadership Council.

Nikki Cross is the Senior Director of Data Science Solutions at Nova Credit, a leading credit infrastructure and analytics company specializing in cash flow underwriting. She empowers financial institutions to leverage consumer-permissioned data to expand credit access responsibly. With over 15 years of experience in financial services, Cross brings expertise from both lender and vendor perspectives. She is a recognized thought leader in cash flow underwriting, frequently speaking at industry conferences on alternative credit data and implementation best practices. Prior to Nova Credit, Cross held senior data science roles at Mission Lane, LendUp, and TransUnion, and spent nearly a decade at Capital One in analytical and consulting roles. She holds a Master's degree in Analytics and a B.S. in Applied Mathematics from Georgia Institute of Technology. Cross is passionate about using advanced analytics to create more inclusive financial systems and expand responsible credit access.

As COO of Nova Credit, Collin Galster is focused on the company’s partner, product, and international growth. Galster is a member of Nova Credit’s founding team and has served in various capacities since the company’s founding in 2016, including Head of Sales and Business Development and, most recently, VP of International where he led the company’s global expansion efforts in Canada, the UAE, and the U.K. Prior to Nova Credit, Galster was a consultant at the Boston Consulting Group, providing strategic consulting to the largest multinational financial institutions in North America, Southeast Asia and Japan.

Chris Hansen is the General Manager of Strategic Partnerships and Alliances at Nova Credit, where he leads the development of product partnerships, channel partnerships, and net new vertical expansion. Under his leadership, Nova Credit has partnered with major financial institutions like SoFi and MoneyLion to increase approvals while maintaining the same level of risk.

‍

Chris is a trailblazer in open banking and financial inclusion. He previously founded a fintech company focused on payroll data connectivity, and held leadership roles at New American Funding, STRATIM, and AOL.

‍

Chris holds a Bachelor of Business Administration from the University of San Diego and is passionate about creating more inclusive financial access through innovative credit infrastructure.

Matt Lattman serves as the Senior Vice President for Card Acquisition Marketing at Discover. Prior to Discover, Matt was Chief Marketing Officer at Zero Financial, a financial technology startup. He also spent six years at Capital One in various roles, most recently as Head of Acquisition Marketing for their Consumer Bank. He joined Discover in 2019 as VP of Marketing, Pricing, and Product Strategy in Personal Loans.

Mr. Wasik is a Partner for 2^nd Order Solutions (2OS), a leading credit risk advisory firm. Over his 30 years in financial services, he has developed deep expertise in strategy, credit, operations, and loss forecasting.

As a Partner for 2OS, he has consulted to many lenders in improving their credit practices and capabilities. He has led multiple recent engagements with top 20 banks to significantly improve their Collections efforts and has led more than 50 engagements, spanning the full credit lifecycle.

Prior to joining 2OS, Mr. Wasik was at Capital One, where he led collections and recoveries for Capital One’s card and personal loan business during the Great Recession, led Capital One’s small business card portfolio (#2 VISA/MC issuer), and was one of a handful of senior credit officers.

Mr. Wasik graduated from Duke University and now lives in Richmond, Virginia.

Alex Johnson is the founder of Fintech Takes, a media brand focused on the intersection of financial services, technology, and public policy. Alex has 20+ years of experience in financial services (focused on lending and credit decisioning) with stops at FICO and Zoot Enterprises.

‍

Penny Crosman is Executive Editor, Technology at American Banker and its publisher, Arizent. Prior to taking on this role, she was Editor in Chief of Bank Technology News. She has held senior editorial roles at Bank Systems & Technology, Wall Street & Technology, Intelligent Enterprise, Network Magazine and Imaging Magazine.

Paul LaRusso is the CEO of Akoya, a tech platform that help fintechs and financial institutions give consumers greater control over their data.  Akoya was created​ to accelerate the availability of secure and reliable data access for the entire financial services industry.

Before leading Akoya, Paul was at JPMorgan Chase overseeing the firm’s open banking strategy. He developed the infrastructure to deliver secure data sharing for millions of customers. Paul held other senior leadership roles at JPMorgan Chase, including Head of Product for Digital Servicing, managing Chase’s digital communications and servicing products, and as Product Owner for Mobile, spearheading the strategy and launch of Chase’s first mobile banking apps. Paul also played a key role in creating industry standards as the Board Co-Chair of the Financial Data Exchange.

Paul holds an MBA from Georgetown University and a BA from Bucknell University.

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. He has over 30 years of experience in the accounts receivable management (ARM) and call/contact center industries, in addition to all phases of collections, recovery and call center operations with deep focus on technology, process improvement, compliance management systems and nine years of experience as a federal consumer financial protection regulator. McNamara also served as COO for Asset Management Outsourcing, Inc., SVP of Banking and Retail Operations for First Data Corporation’s ARM unit, Nationwide Credit/ACB, and VP of Operations for United Recovery Systems, LP.

‍

Sarah Davies has over 20 years experience in the financial services sector, serving as an executive leader and innovator in the analytics and decision science field. She previously was the Chief Data & Analytics Officer at Nova Credit and the Senior Vice President of Product, Analytics and Research at VantageScore Solutions, LLC where she led the development of the VantageScore credit scoring models. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis. She holds several patents in both the credit analytics and airline optimization fields. She is a frequent speaker and educator on credit risk and consumer behavioral analytics.

Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.