Tuesday, May 14

Pre-Conference Workshops

11:00 a.m. – 12:00 p.m.

Origence™ Mortgage Loan Origination Platform: Third Look

A focus on CU Direct's automated home equity solution.

Roger Hull // Chief Product Officer, CU Direct

1:30 p.m. – 2:30 p.m.

Lending 360 Workshop: Innovative Solutions for Everyday Challenges for Users

This workshop helps you tap into Lending 360’s full potential with tips, tricks, and time-saving shortcuts. Learn how to take advantage of under-utilized features to unlock additional insights, and explore the benefits of newer features you might not have used yet.

Monika Perkins // VP of CU Implementations, CU Direct

Curtis Sabbatino // Professional Services Advisor, CU Direct

Analytics Workshop I

A Leaders Guide to Accelerate Your Big Data Initiatives What is driven by leadership permeates the entire organization, will sustain, and is destined to succeed. What best practices should guide leadership? A thorough analysis of over 50 big data/analytics initiatives will guide this hour-long discussion. We will focus on:

  • An executive guide to analytics, big data, and innovation
  • Defining a vision for your big data and analytics
  • Fostering a data driven culture – information sharing, acceleration, and continuous improvement
  • Five ways to measure your ROI with big data initiatives
  • Where should analytics reside within your organization

Successful financial institutions are leading because of their investment in strategic big data initiatives. Big data is what is guiding their continued success. Their achievements include tripling the number of products per consumer, growing by 50%, and driving incredible internal efficiencies. This presentation has provided importance guidance for many successful big data initiatives. Effective use of data is critical as we move beyond 2020 – enhancing initiatives in people, process, and technology.

Sundeep Kapur // Educator & Founder, Digital Credence

Sundeep Kapur

2:45 p.m. – 3:45 p.m.

Lending 360 Workshop: Innovative Solutions for Everyday Challenges for Administrators

Discover innovative new ways to harness Lending 360’s powerful tools. Created for administrators, this workshop provides unique insight to help you solve problems for your team, create new efficiencies, and improve results.

Monika Perkins // VP of CU Implementations, CU Direct

Curtis Sabbatino // Professional Services Advisor, CU Direct

Bill Lapp // Director of CU Implementations, CU Direct

Analytics Workshop II

Top 20 Use Cases for Big Data & Analytics

Do you have a big data plan which includes intelligent access to data, well defined business needs, and an urgent need to serve the member with Amazon like experiences? FinTech and large financial institutions continue to encroach, taking away significant opportunities – they leverage data to focus on delivering great experiences.

What can we do to leverage our resources effectively and achieve the success we desire? An organization’s success with big data will be driven by the following factors:

  1. Clearly defined expectations
  2. Avoiding data traps
  3. Following an ideal process
  4. Measuring success correctly
  5. Scaling from a pilot to launch to sustaining continuous improvement

This fast-paced discussion will cover the top 20 initiatives at different credit unions. These institutions range in asset size from $30 million to over $11 billion. Proven, pragmatic, and innovative use cases – practical tangible lessons for all of us.

Sundeep Kapur // Educator & Founder, Digital Credence

Sundeep Kapur

DRIVE '19 Opening

4:00 p.m. - 4:45 p.m.

CU Direct Annual Shareholders' Meeting

Non-shareholder credit union attendees are welcome to attend.
5:00 p.m. – 6:00 p.m.

General Session

Dan Thurmon Opening Keynote // Off Balance On Purpose: Finding the Right Footing for Your Life

Every day, we are inundated with messages about the importance of finding ''balance'' in our lives. How does this make us feel? Overwhelmed, out of touch, and unfulfilled. The problem isn't us--it's the message. Perfect balance is unachievable and, upon closer inspection, undesirable. The perpetual quest for balance ends up limiting growth, progress, and the quality of life.

In Off Balance On Purpose, Dan Thurmon frees you from the ''balance'' dilemma and empowers you to adopt a new approach to creating a happy, fulfilling life: embrace reality, get aligned with your purpose, lean forward, and initiate positive changes. These steps will give you the knowledge, strength, and motivation to

  • Accept and take advantage of the contradictions in your daily life
  • Integrate the five vital areas of life--work, relationships, health, spiritual growth, and personal interests--into a workable, fluid, sustaining pattern
  • Adopt a practical, concrete process for orchestrating changes and staying aligned with your purpose

Dan Thurmon // Author / Entrepreneur / Workplace Performance Expert / Fitness Advocate / Acrobat / Unicyclist / Drummer

Dan Thurmon

6:00 p.m. – 7:00 p.m.
Opening Reception / Exhibit Hall Open

Test Drive Center

Come to the Test Drive Center in the Exhibit Hall to get priceless product knowledge and prizes! Attend a 15-minute presentation to automatically receive a free gift, and at the end of each presentation one lucky winner will receive a free Bose speaker. Plus, for each presentation attended, you will be entered to win the grand prize: a $500 American Express gift card!
6:10 p.m. – 6:25 p.m.
Consumer Loan Origination
6:35 p.m. – 6:50 p.m.
New Account Origination
7:00 p.m. – 7:15 p.m.
Analytics and CECL Reporting Tools

Wednesday, May 15

7:30 a.m. – 8:20 a.m.
Breakfast / Exhibit Hall Open

General Sessions

8:30 a.m. – 9:00 a.m.

CU Direct & Industry Update

Tony Boutelle // President & CEO, CU Direct

Tony Boutelle

9:00 a.m. – 10:00 a.m.

Jim Nussle Opening Keynote

Jim Nussle // CUNA CEO & President

Jim Nussle

Sponsored by


10:15 a.m. – 11:15 a.m.

Dealer Panel: Strategies to Turbocharge Your Dealer Relationships

Our panel of top dealer principals and general managers engage in an in-depth question and answer session with the F&I editor of Automotive News and the audience. The panel will address a wide range of issues including keys to successful relationships with credit unions and the latest trends, hot topics and issues facing the automotive industry.

Moderator: Hannah Lutz // Editor & Reporter, Automotive News
Nathan Post // Rusty Wallace Auto Group
James Knudtson // General Sales Manager, Dwayne Lane Auto Family Dealerships
Oliver Young // Sales/Marketing Director, Young Auto Group
Scott Stephens // General Sales Manager, Chapman Auto Group

11:30 a.m. – 12:15 p.m.

Breakout Sessions

Compliance & Regulatory Horizons

This session will address an array of recent developments and challenges in the finance arena, including: CFPB regulatory, supervisory, and enforcement activity; FTC proposals to revise the Privacy and Safeguards Rules; the status of industry petitions to DOD to withdraw interpretive guidance on the Military Lending Act; recent state legislation; and the roll out of the optional NADA/NAMAD/AIADA Model Dealership Voluntary Protection Products Policy.

Paul D. Metrey // VP, Regulatory Affairs and Chief Regulatory Counsel, Financial Services, Privacy, and Tax, NADA

Eric L. Johnson // Partner, Hudson Cook

 Paul Metrey eric-johnson

Maximize the Efficiency of Every Dollar You Lend

Mason Trullinger // VP Residual Risk Management, CULA


Consumer Credit Scores – No longer just credit monitoring, but a trend in personalized lending

In this session, the CEO of SavvyMoney will walk you through the evolution of consumer credit scores and credit monitoring over the last 20 years. As one of the pioneers in the space at / Experian he has seen the industry evolve and grow from a consumer tool, to a very powerful lending and analytics asset for financial institutions. Come see how your institution can benefit from this growing trend.

JB Orecchia // President and CEO, SavvyMoney


Mortgage Market Overview and Technology's Impact

The dynamics of today's mortgage market and how technology has impacted lenders' operations and ways they deliver value to members.
12:30 p.m. – 1:15 p.m.
Networking Lunch
1:30 p.m. – 2:25 p.m.

General Session

Panel: Trends in Automotive Digital Retail – Carvana, Fair, and Roadster

Moderator: Aleks Bogoeski // CU Direct

Craig Nehamen // Co-Founder &Chief Operating Officer, Fair
Dan Gill // Chief Product Officer, Carvana
Rudi Thun // COO, Roadster

2:30 p.m. – 3:00 p.m.
Break/Exhibit Hall Open

Test Drive Center

Come to the Test Drive Center in the Exhibit Hall to get priceless product knowledge and prizes! Attend a 15-minute presentation to automatically receive a free gift, and at the end of each presentation one lucky winner will receive a free Bose speaker. Plus, for each presentation attended, you will be entered to win the grand prize: a $500 American Express gift card!
2:40 p.m. – 2:55 p.m.
Auto Shopping
3:00 p.m. – 3:45 p.m.

Breakout Sessions

State of the Automotive Market

 Karl Kruppa // Automotive Solutions Consultant, Experian Automotive


Behavioral Data, The Next Gen Credit Data

 Zaydoon H. Munir // Founder and Chief Executive Officer, RevolutionCredit

zaydoon munir

Growing Mortgage Originations in a Challenging Market

Mortgage origination volumes have been challenged in the face of rising rates and intense competition. During this session, Toohig will delve into the ways credit unions can compete with banks for mortgage market share. He will also cover various niche products that are being sold in today’s market, and discuss non-QM lending and how it should be approached.

John Toohig // Managing Director, Raymond James Mortgage Company

John Toohig

Emerging Trends in Consumer Lending

Sean Flynn // Director of Credit Union Market Development, TransUnion

Linda Vance // TransUnion

4:00 p.m. – 6:00 p.m.
Networking Reception / Exhibit Hall Open

Test Drive Center

Come to the Test Drive Center in the Exhibit Hall to get priceless product knowledge and prizes! Attend a 15-minute presentation to automatically receive a free gift, and at the end of each presentation one lucky winner will receive a free Bose speaker. Plus, for each presentation attended, you will be entered to win the grand prize: a $500 American Express gift card!
4:10 p.m. – 4:25 p.m.
Marketing Automation & CRM
4:35 p.m. – 4:50 p.m.
Point-of-Sale Experience
5:00 p.m. – 5:15 p.m.
Mortgage Loan Origination
5:30 p.m. – 5:45 p.m.
Outsourced Loan Processing & Auto Document Stacking

Thursday, May 16

7:30 a.m. – 8:20 a.m.
Breakfast / Exhibit Hall Open
8:30 a.m. – 9:30 a.m.

General Session

Elliot Eisenberg Keynote

Economic Forecast

Elliot Eisenberg, PhD. // Chief Economist, GraphsandLaughs

 Elliot Eisenberg

9:30 a.m. – 9:45 a.m.
Break / Exhibit Hall Open
9:45 a.m. – 10:30 a.m.

Breakout Sessions

The Automotive Industry Economic Outlook

A review of key macro economic indicators and their implications for the automotive market.

Charlie Chesbrough // Senior Economist and Senior Director, Economic Industry Insights, Cox Automotive

Charlie Chesbrough


The Growth Mindset for Member Business Lending

A review of key macro economic indicators and their implications for the automotive market.

Shane Knighton // CEO, Member Business Lending

Elevate Your Auto Lending Horizons with Competitive Attributes & Pricing

Auto sales declined in 2018 for the first time since the Great Recession. Yet, many CUs are seeing spectacular growth in their auto loan portfolio. What is their secret? Proper risk-based pricing, says John Flynn of Open Lending. The problem is that too many CUs do not segment their risk-based pricing models effectively and as a result they are turning away some of their most profitable members and not pricing their loans competitively. Find out how some of the top CUs are generating yields 4-6 times on their net ROA using the strategies John Flynn outlines in this powerful session.

Find out how to:

  • Tackle today’s toughest challenges with effective risk-based pricing and book 20%-40% more auto loans without changing your marketing.
  • Properly assess and mitigate your CU’s risk.
  • Harvest existing revenue opportunities using the same techniques others are using to add $1,000 on every deal.
  • Confidently and effectively manage the risks and rewards for maximum returns to your CU – and save your members up to 400-500 bps.
  • Streamline the credit-decision process and respond to members with a quote in as little as 7 seconds.

Matt Roe // Senior Vice President, Open Lending,LLC

Matt Roe

Maintaining a Competitive Edge in Mortgages

Mortgage lenders face uncertain territory in 2019. Easing interest rates have renewed optimism for refinancing, but stagnant home sales and ongoing inventory concerns remain headwinds in the purchase market. Meanwhile, a wave of automated and data-driven tools are redefining expectations about the borrowing experience and in turn, recast traditional roles for loan officers and other staff.

From digital mortgages and AI to cross-selling and portfolio defense, our panel of experts will discuss these trends and share proven strategies for credit unions to best serve their members and position their mortgage businesses for success.

Austin Kilgore // Director, Digital Lending, Javelin Strategy & Research

Jason Sasena // Chief Lending Officer, Westerra Credit Union
Vicki Lovett // Chief Lending Officer, Suncoast Credit Union
Matthew Abbink // Vice President, Western Division, Member First Mortgage
Tonya Coon // Executive Vice President, myCUmortgage

10:45 a.m. – 11:30 a.m.

Breakout Sessions

Data as Oxygen for AI within Credit Unions

Data and Artificial Intelligence (AI) are becoming increasingly important to credit unions, their members, and the organizations whose purchases are often financed by credit union loans. In this session by Microsoft, you will hear about modern approaches to collecting, securing, and harnessing the data that is vital to AI in particular and digital transformation more broadly.

Michael Acosta // Western Hemisphere Data Sales Lead, Microsoft

Michael  Acosta

How to Deliver a Loan Process Members Love with User Centered Design

Smart, user-centric design is the “secret sauce” for planning and creating innovative, digital lending experiences where both members AND credit unions win. Learn how to weave the digital realm into your existing high-touch lending process to preserve and extend the seamless member-centric spirit of your credit union. After this talk, you’ll understand the practical tactics and strategies for how to convert even small investments in user-centric design into enormous ROI.

Wendy Nyx // Partner, Creative, Primitive Spark


7 Questions Every CU Should Ask

Jon Schrock // President, Shrock Solutions
Mark Coleman // Vice President, Sales, Asset Remarketing, Element Fleet Management

Operational Excellence in Mortgage Lending

Discussing Compliance, Regulatory Trends, and weaving in operational excellence given the high cost to originate loans in current environment with a focus on member satisfaction and member experience

Sean McNaboe // Senior Director, Treliant, LLC

Sean McNaboe
11:30 a.m. – 12:15 a.m.
Networking Lunch
12:30 a.m. – 1:15 p.m.

Breakout Sessions

The Hidden Patterns of Auto Lending Fraud and How Machine Learning is Being Used to Spot It

Auto lending misrepresentation and fraud is not always discovered and is often hidden in first and early payment defaulted loans. Up to $6 billion in originations may contain misrepresentations that cause the loan to not perform as expected. 

In this session, Frank McKenna will share with you insights from the auto lending fraud consortium on the hidden patterns of fraud and describe advancements in using AI and machine learning to address this growing problem of fraud and misrepresentation.

Frank Mckenna // Chief Fraud Strategist, PointPredictive

frank mckenna

US Automobile: Sales, Financing and Used Vehicle Insights

This session will provide attendees with an overview of key trends, challenges and opportunities in the US automotive marketplace.

  • 2018 vehicle sales data; retail vehicle sales, manufacture incentives, vehicle segment shifts and the outlook for 2019
  • Used vehicle trends and outlook; vehicle depreciation results, segments review, forecasted lease returns and their impact on the market.
  • Auto financing originations and trends; 2018 results and 2019 trends, segment shares, pricing and pricing trends, new/used mix, leasing data, loan to value insights, and an overlay of credit

Michael Buckingham // Senior Director - PIN Auto Finance, JD Power


Consumer Lending Panel

Consumer lending is a cornerstone of the credit union product mix, and has an inextricable link with member service.  Our panel of consumer lending experts, representing credit unions of all asset sizes from across the country, will discuss, compare and contrast their strategies for sustainable growth. We will explore strategies for both direct and indirect auto lending, as well as strategies for success across all consumer product lines, including employee compensation, pricing, centralized and decentralized lending models, automated decisioning, and optimal response times that drive pull-through rates.

Brian Hamilton // VP of Innovation, CU Direct

Cory Rupp // Senior VP of Lending, Affinity Plus FCU
Lisa Huertas // Chief eXperience Officer, Texas Tech Credit Union
Tim Kosak // VP of Consumer Lending, Consumers Credit Union
Steve Leugers // OnPoint Community Credit Union

Delivering on the Promise of Digital Underwriting

Despite significant investments in technology and workflow, the cost to underwrite a loan is greater than ever. Lenders are looking for new and innovative ways to drive greater efficiencies while also competing to deliver a better customer experience. Digitization and automation hold significant promise, but the transformative benefits of these investments will only be realized when our difficult and complex underwriting processes are fully re-imagined and enabled by connected partners, trusted data and transparent workflows. Don’t miss this must-see presentation to understand how this transformation might take shape.

Jay Kingsley // Executive, Credit and Borrower Solutions, Corelogic


1:30 p.m. – 2:15 p.m.

Breakout Sessions

Data Driven Insights Powered by Your Business Users

Providing your business users with the insights they need to make their own informed decisions promotes a culture of accountability from the bottom-up. The use of data and analytics no longer needs to remain only with the data scientists; rather share it with those who have the power move the needle for the organization. Learn how to create self-tuning operational teams that drive increased performance simply by providing the right level of transparency.

Hailey Middleton // Director of Product of Data Services & Analytics, CU Direct


Reduce Friction and Enhance the Digital Consumer Experience

Friction has become inherent in digital experiences, causing people to stop their progression and sometimes even abandon the process. There are many causes of friction that can be eliminated or reduced by critically examining how people go through the digital experience.

Hrishi Talwar // VP Digital Identity and Mobile Products,  Equifax

Panel: Participation Lending and Managing Portfolio Density

Balancing outstanding loans with available liquidity across the credit union ecosystem is a challenge. Loan participations can be an effective tool to mitigate this issue, but according to latest studies more than 40% of credit unions have never participated. Our line-up of industry experts and stakeholders will share the current and future state of participation lending, to address how we can simplify and scale-down processes that allow more credit unions to buy and sell loan pools of all sizes.

Nathan Montgomery // CFO, UNIFY Financial

Sameer Sonalkar // CEO, FiscalHive
Jesse Isaak // Senior Consultant, CUNA Mutual Group
Ian Lampl // Co-Founder & CEO, LoanStreet, Inc.
Jeff Hamilton // VP of Member Credit, Catalyst Corporate Credit Union

Increase Product Per Member (PPM) Converting Single Service Members into Multi-Product Members

Jeff Shood // Intuvo
2:30 p.m. – 3:30 p.m.

General Session

Meeting the Needs of the Digital Consumer: No Longer Business as Usual

Today’s digital consumer expects you to know them, look out for them and reward them. Consumers want a personalized experience based on data and insights already available. No longer accepting ‘push’ marketing programs, they want proactive solutions based on their individual lifestyle. Meeting these needs will require that financial executives and organizations be willing to embrace change, take risks and disrupt themselves. In this session, you will learn what is expected from today’s consumer, and how you can win in a period of digital transformation.

Jim Marous // Owner, Digital Banking Report

Jim Marous DRIVE19_keynote-speakers_760x800

3:30 p.m. – 4:30 p.m.

General Session

Ron Kaufman Closing Keynote

In today’s global economy, customer expectations in almost every industry are rising. What was once considered a perk, bonus or plus is now a promise clients expect–and even demand–time and again.

And while everyone may agree that providing superior service is essential to continued success in a competitive world, too many executives still regard service as “the fuzzy stuff” they don’t know how to measure, manage or make happen on a companywide scale.

Uplifting Service is an entertaining and interactive presentation that shows everyone from the C-suite to the front lines specific actions and concrete steps to fly over customers’ rising expectations and immediately improve the quality of service delivered at all levels of the company.

Packed with real-life examples, powerful principles and tried-and-true techniques, this session will educate, motivate and inspire everyone on your team to take new action to step up and create more value right now.

Ron Kaufman // Bestselling Author

Ron Kaufman

4:30 p.m. – 5:30 p.m.
Closing Reception / Exhibit Hall Open

Test Drive Center

Come to the Test Drive Center in the Exhibit Hall to get priceless product knowledge and prizes! Attend a 15-minute presentation to automatically receive a free gift, and at the end of each presentation one lucky winner will receive a free Bose speaker. Plus, for each presentation attended, you will be entered to win the grand prize: a $500 American Express gift card!
4:40 p.m. – 4:55 p.m.
Improve Mechanical Breakdown Protection Sales
5:05 p.m. – 5:20 p.m.
Identity Theft Protection