Eric is a partner in Hudson Cook, LLP’s Oklahoma City office. He assists national and state banks, credit unions, mortgage bankers, other licensed lenders, and motor vehicles dealers in the development and maintenance of nationwide consumer mortgage and automobile finance programs; online motor vehicle sales assistance programs; litigation funding programs; electronic payment programs. Eric also assists DMS providers of documents and software with federal and state law compliance. He provides responses to regulator examinations; provides comments on proposed statutes and regulations to legislators and regulators; and assists financial services providers with statutory and regulatory changes occasioned by the Dodd-Frank Act. Eric also assists financial services providers on e-commerce and information technology issues.

Eric is listed in the 2019 edition of The Best Lawyers in America® in the practice areas of Banking and Finance Law, Commercial Litigation, Financial Services Regulation Law and Litigation-Banking & Finance.

Prior to joining Hudson Cook, Eric was a Shareholder and Director and member of Phillips Murrah P.C.'s Commercial and Consumer Financial Services Practice Groups. He was previously an Adjunct Professor at Oklahoma City University School of Law teaching Consumer Law.

He is the Update Chair of the Financial Institutions and Commercial Law Section of the Oklahoma Bar Association, a member of the American Bar Association (Business Law Section; Banking, Commercial Finance and Consumer Financial Services Committees), a member of the National Association of Dealer Counsel and a member of the Alternative Finance Bar Association. Eric serves as Chair to the Legal Committee for the National Automotive Finance Association and is a co-founder and co-instructor of their Consumer Credit Compliance Certification Program. Eric also serves on the Governing Committee for The Conference on Consumer Finance Law (VP-Membership).

Eric received his law degree from Oklahoma City University School of Law. He holds a Bachelor of Science in Accounting from Oklahoma State University.⨯

Charlie Chesbrough is senior economist and senior director of economic industry insights for Cox Automotive. Reporting to Jonathan Smoke and based in Detroit, Chesbrough directs the company’s automotive forecasts as well as manages the economic industry insights related to the new car sector of the automotive market.

Chesbrough previously served as executive director and senior economist for Original Equipment Suppliers Association (OESA).

Prior to joining OESA, Chesbrough was the senior principal economist and director of industry analysis at IHS Automotive, where he was responsible for developing and integrating statistical models and economic scenarios into global automotive forecasts.

Chesbrough brings more than 25 years experience in market planning, demand forecast modeling and consumer research for Fortune 500 companies across many industries.

Chesbrough holds a bachelor’s degree in economics from Michigan State University and a master’s degree in business economics from the University of Illinois at Chicago.⨯

Paul D. Metrey is the Vice President, Regulatory Affairs and Chief Regulatory Counsel, Financial Services, Privacy, and Tax for the National Automobile Dealers Association. In this capacity, he represents dealer interests before, and educates dealers on regulations promulgated by, federal executive branch agencies that oversee dealer operations.

Mr. Metrey is the author and editor of numerous NADA publications, including the NADA-NAMAD-AIADA Fair Credit Compliance Policy & Program. He frequently speaks to dealers, Automotive Trade Association Executives, dealership compliance professionals, and other industry groups on an array of regulatory topics, including recent federal developments in the areas of credit, privacy, identity theft, telemarketing, and taxation. Mr. Metrey is active in several professional organizations and serves on the Governing Committee of the Conference on Consumer Finance Law.

Mr. Metrey joined NADA in 2001 as its Director, Regulatory Affairs. He previously served as an attorney with the Federal Emergency Management Agency and as an active duty Army JAG officer, with assignments in Germany, The Netherlands, and Fort Meade, Maryland. He also served in a reserve capacity as the Chief, International Law Branch of the National Guard Bureau’s Legal Support Office.

Mr. Metrey obtained a Juris Doctorate degree from Catholic University’s Columbus School of Law and a Bachelor of Arts degree from Virginia Tech⨯

Frank McKenna is the Chief Fraud Strategist and Co-Founder of AI firm PointPredictive. He has worked and consulted with over 200 banks, lenders and finance companies globally to address the growing problem of fraud across their portfolios.⨯

John Toohig is a Managing Director at Raymond James, a Board Member and President of Raymond James Mortgage Company, Inc and Head of the Whole Loan Group.

John joined Raymond James (formerly Morgan Keegan) in September of 2006. As manager of the Whole Loan group, Mr. Toohig’s primary responsibilities include day-to-day trading of whole loan packages, portfolio analysis, transaction management and the structuring of whole loan, participation and various structured products. Mr. Toohig’s product focus encompasses both seasoned and new production: residential mortgages (both QM and Non-QM), commercial mortgages, consumer lending, scratch and dent loans, and non-performing assets. Prior to joining the Whole Loan group at Raymond James, Mr. Toohig was a part of the firm’s Taxable Banking platform where he was responsible for corporate debt transactions, trust preferred securities, sale leaseback transactions and ABS transactions.⨯

Hailey Middleton is Director of Product, Data Services & Analytics at CU Direct. She oversees the direction of strategic initiatives for enterprise analytics across expanding CU Direct products. Additionally, Hailey manages the roadmap and direction of the Lending Insights platform, a loan portfolio management system utilized by the credit union community to manage and mitigate risk while identifying opportunities for loan growth. Hailey believes and encourages analytics to be part of daily activities for not only data scientists, but business users and stakeholders alike to improve efficiencies, performance, and uncover actionable insights throughout the organization.

Ms. Middleton joined CU Direct in July 2018 from Black Knight, Inc. where she was the Product Manager and Director of Knowledge Management of the Enterprise Business Intelligence division overseeing the Motivity platform, a mortgage business intelligence tool. Previously, she worked at J.P. Morgan Private Bank in capital advisory for ultra-high net worth clients.

Hailey is a graduate of the University of Denver at the Daniels School of Business (B.S., Finance). She lives in Newport Beach.⨯

Zaydoon is an 18-year veteran in the international financial services industry, on both the consumer and wholesale sides. Prior to founding RevolutionCredit, Zaydoon spent over six years at Experian, the world largest credit bureau, in a variety of senior executive roles in both consumer credit and marketing businesses.

Zaydoon is a recognized champion of new innovation in credit data and credit scoring. Zaydoon also served as an accomplished financial strategy consultant across the U.S., Europe and the Middle East for such companies as The Capital Markets Company, Gemini Consulting and Systemation. Previously Zaydoon served as chief operating officer for eFinance, a leading provider of financial and credit decisioning software and as chief technology officer for Scudder Weisel Capital.

Zaydoon received his MBA in Management Information Systems and Marketing from Case Western Reserve University Weatherhead School of Management, and a BS in Biomedical Engineering with a minor in Computer Science and Economics, also from Case Western Reserve University. He has been interviewed and quoted by such media as CNBC, American Banker, Fast Company, Investor's Business Daily, Business Week, and Univision Networks.⨯

Hannah Lutz edits and develops stories for the Automotive News finance and insurance beat, which includes an online F&I report and comprehensive coverage in the weekly print publication. She also covers automotive retail, highlighting industry trends and news from public dealership groups, such as AutoNation Inc. and Group 1 Automotive. Before taking on these roles, she was F&I reporter from 2015-2018.⨯

Mike joined JD Power in 2013 and provides the oversight and strategic direction for JD Power’s Power Information Network (PIN) Automotive Finance Practice in the US and Canada. The PIN “Navigator” product provides real-time automotive lending information and decision-support tools based on the collection and analysis of daily new- and used-vehicle retail transaction data from thousands of automotive franchises. Details from these transactions are evaluated to create products that focus on key measures, including price, cost, advance, LTV, credit scores for both loans and leases in the US and Canada.

Mike has been in the indirect auto financing industry for over 30 years. Prior to JD Power he was the President-CEO of Hyundai Capital America, the financing arm for Hyundai and Kia motors. He has also held senior positions at Bank One, Chrysler Financial and Citicorp Acceptance.⨯

Sean McNaboe, Senior Director with Treliant, is an experienced financial services executive with over 19 years of mortgage industry experience. Sean is a subject matter expert in mortgage origination, compliance, operations, and default loan servicing. He specializes in large-scale mortgage projects involving securitization disputes, strategy and operations, compliance, and risk and regulatory concerns. He has extensive experience building client-focused teams and managing large projects. Sean has delivered regulatory compliance and strategic consulting services to mortgage banks and non-bank lenders, focusing on TRID compliance and a successful integration of mortgage operations. He also specializes in operational effectiveness reviews focused on streamlining costs, reducing risk, and enhancing quality control. Sean is an instructor for the Mortgage Bankers Association’s Mortgage Banking Bound program, and the editor for the American Bankers Association’s online Regulation Z learning module.

Prior to joining Treliant, Sean was part of the Strategy and Operations group at Deloitte Consulting, delivering regulatory and compliance services to some of the largest banks in the world, as well as providing executable strategic and operational excellence services to public and private sector. Sean led the financial harm team for a multi-year engagement during the Independent Foreclosure Review and had leadership roles on multiple engagements involving consent orders related to mortgage banking.

Sean earned an MBA in Finance and a BA in Economics from the University of Maryland. He is a 2016 graduate of the Mortgage Bankers Association Residential Future Leaders Program.⨯

Michael Acosta has been with Microsoft for nearly 15 years in varying capacities with increasing levels of responsibility. He currently has shared responsibility for Microsoft’s Enterprise Data business in the Western Hemisphere. Prior to that, he spent 3+ years as the National Director for the Data business within the US Enterprise Commercial segment. In that capacity, Michael had revenue and scorecard responsibility for a business well in excess of $1B annually and earned a Platinum Club award in FY14.

Michael has also spent two tours of duty as a successful Enterprise Specialist Sales Data Platform Manager, helping one of those teams earn Gold Club recognition. He first joined Microsoft as one of the first ISV Developer Evangelists in the world and also has experience as a District Marketing leader and as a Business Group North America Lead for PerformancePoint.

Michael also spent five years in consulting around BI and Data Warehousing. During that time, he sold IP to Microsoft around Analysis Services (ask him for the nitty-gritty details if you’re interested) and served as the Data Architect for Microsoft Retail Stores. With a deep background in Data Platform technology as well as consistent success in Sales/Marketing/BG roles, Michael brings a well-rounded background on data, cloud technologies, artificial intelligence, and more across a variety of industries.⨯

JB Orecchia has more than 30 years’ experience in consumer finance and interactive media. Since March of 2011, he has been the President and CEO of SavvyMoney, a leading provider of integrated consumer credit scores and reports to financial institutions. Beforejoining SavvyMoney in 2011, JB was Vice President of Marketing for Disney Online where he was responsible for online marketing, CRM, research and analytics.

From 1998 to 2008 JB was EVP of Partnership Marketing at FreeCreditReport.com / Experian Consumer Direct where he led the team responsible for business development and online marketing. From 1988 to 1998, JB spent 10 years at Household in various senior marketing roles.⨯

Ian Lampl is CEO & Co-Founder of LoanStreet Inc., an innovative online platform that helps financial institutions share, manage, and originate loans. Prior to launching LoanStreet, Ian served as Deputy Chief Counsel for the Office of Financial Stability for the United States Department of the Treasury. While at Treasury, Ian developed and managed a number of the Treasury programs to stem the financial crisis, including the implementation of the Troubled Asset Relief Program, or TARP. For his work, he received the Treasury Secretary's honor award for exemplary public service. Ian is recognized as an industry leader in loan participations and is a frequent speaker at banking, credit union, and financial technology conferences. Before joining Treasury, Ian was an attorney at Cravath, Swaine & Moore LLP, where he focused on commercial lending and securities offerings. He graduated with honors from both University of Chicago Law School and Princeton University, where he received a B.S.E. in Electrical Engineering.⨯

Mason puts big data to work as the recognized expert in residual value, risk management and market analytics. Prior to CULA, Mason spent three years at Toyota Financial Services within the company’s risk group that managed a $40 billion lease portfolio. While at Toyota, he also assumed an advisory role to marketing, product planning, pricing and incentive groups, promoting residual value best practices. Before joining Toyota, Mason spent nine years at ALG. He holds a B.S. degree in Chemical Engineering from UC Santa Barbara.⨯

Craig is Co-Founder and President of Servicing & Dealer Services at Fair. A recognized expert in creating innovative financial technology products for modern auto consumers, Craig previously ran strategy and corporate development at Westlake Financial Services, a national auto finance company. Craig has an MBA from the Kellogg School at Northwestern University and a bachelor’s in business administration from Washington University in St. Louis.⨯

Andrew Weiss leads STRATMOR Group’s Information Technology and Operations practice where he works with lenders of all sizes and technology vendors to rationalize and optimize the use of technology in the mortgage industry. Andrew has over 25 years of experience in the mortgage and consumer lending industry, including a wide range of strategic engagements leveraging business rules (AI), workflow, analytics, and Commercial Off-the-Shelf (COTS) solutions to gain financial advantage. Andrew was most recently senior vice president at Bank of America, overseeing the technology strategy for their Default Management operation. Prior to that, Andrew was COO and CTO of Overture Technologies, a startup aimed at delivering advanced automated underwriting and loan origination systems to clients in the mortgage and student lending industries. Prior to Overture Technologies, Andrew spent time as the CTO of a global software firm, and nine years as a senior vice president of advanced technology at Fannie Mae where he was responsible for the creation of, among other technology innovations, Desktop Underwriter.⨯

Suncoast Credit Union is the largest credit union in the state of Florida and the 10th largest in the United States based upon its almost $10 billion in assets as of early 2019. Vicki Lovett is the chief lending officer, responsible for consumer, indirect, mortgage and commercial lending as well as credit cards and business development. During her career spanning more than 35 years, she has served in many lending capacities. Beyond her chief lending officer duties, Vicki is a member of the Credit Union National Association (CUNA) Lending Council having served as a member of the executive committee and committee chair. She currently serves on the Hillsborough Community College Foundation Everyday Entrepreneur Venture Fund Advisory Board.

Vicki earned her psychology degree from the University of South Florida and has also received several certifications including Certified Credit Union Executive, Certified Financial Services Professional, Certified Lending Specialist designations and her CUNA Business Lending Certification. A lifelong learner, Vicki recently earned her Stanford University Entrepreneurship and Innovation Graduate Certificate.⨯

Chris is that rare breed who has the design chops and intellect to contribute equal amounts to both the creative and the technical side of digital products. In the process of co-founding three digital agencies (including Primitive Spark), he has learned there is always more to learn. Chris is a keen advocate for a collaborative work culture that takes every team member's opinion into account. With over 20 years of digital product design experience, Chris has led and helped build successful digital product engagements for a ridiculously long list of clients including VMWare, Sony and The Tech Museum of Innovation. In his spare time, he's a prolific songwriter, multi-instrumentalist, performing musician and woodworking sculptor.⨯

Aleks Bogoeski is our Vice President of Strategic Alliances at CU Direct. Aleks is a digital native and enjoys modeling new business ideas through the application of technology. He has maintained a proven track record in the software industry that includes automotive lending, automotive retail, and most recently the FinTech startup arena. He serves as the senior executive that sets the company’s strategic partnership direction. He also develops and executes strategic and referral relationships that contribute to CU Direct’s growth in the automotive and mortgage sectors, and leads the company’s strategic acquisition efforts.

Prior to joining CU Direct, Aleks held other management positions that include:

-Co-Founder and VP of Sales at AutoGravity Corporation
-Consumer and Lending Digitization at Mercedes Benz Financial Services USA LLC
-Technology Integration Consulting at Accenture

In his spare time, Aleks enjoys travelling with his family, playing golf, and trying out new hobbies. He also holds a degree in Business Administration from University of Michigan and is a big fan of collegiate sports.⨯

Tim Kosak is the VP of Consumer Lending at Consumers Credit Union, a $1.1B Michigan Community Credit Union with 100K members and 21 Offices averaging 110%+ Loan/Deposit for the past 30 years.

Tim has been with Consumers Credit Union for over 22 Years and has held various positions within the organization including in Office Management, Corporate Training, Collections and Consumer Lending. He has served on the executive planning and Data Analytics teams and is part of the PSCU Advisory Group as well as the CU Direct Advisory Group.⨯

Hrishi Talwar is the Vice President for Digital Identity and Mobile Products at Equifax. In this role, he is responsible for the overall product strategy and execution of innovative omni-channel solutions that leverage extensive Equifax and partner data ecosystems to help improve identity authentication, customer acquisition, retention and channel profitability for business clients and the end consumer. Hrishi is a frequent speaker at conferences talking about the value of CX and the net positive impact to organizations.

Hrishi brings 20+ years of experience in building and launching enterprise and consumer product solutions from the ground-up, commercializing and creating net positive revenue and value for several Fortune 50 and start-up organizations.

Prior to joining Equifax, Hrishi has led and created innovation labs and formulated product and marketing strategies for First Data, Nokia, Motorola and other organizations. Hrishi is also involved in the local Atlanta startup community, having co-founded one and consulted with several others.

Hrishi holds an MBA from Goizueta Business School, Emory University in Atlanta, GA, and a Masters in Computer Science from Georgia State University, Atlanta, GA and Bachelors in Computer Engineering from University of Pune, India.⨯

As the Vice President of Lending for Member First Mortgage, LLC, Matthew Abbink oversees sales and loan production for the Western Division of the CUSO. Matt is part of a team acquired by Member First in 2018 with a strategic focus to execute the CUSO’s nationwide growth strategy by delivering expert mortgage solutions.

Matt has served the credit union mortgage lending industry for more than 20 years. His experience offers a broad range of executive leadership skills including strategy development, system implementations, financial management, oversight of origination and processing departments, training programs, compliance implementation, and, most importantly, superior customer relations.

Matt has extensive experience leading teams, both professionally and privately, in the pursuit of excellence through integrity, servant leadership, and living with purpose. He strives to create superior value and peak performance in a service-oriented culture in order to have a positive impact upon clients, members, borrowers and co-workers.

Matt resides in McKinney, Texas with his amazing wife Amber and their four teenage children. He is a graduate of Stanford University.⨯

Jesse A. Isaak is a senior consultant within the product organization at CUNA Mutual Group. In this role, he is responsible for leading and supporting the innovation and development of new products and services in close partnership with the company’s Business and Consumer Experience units, and the company’s venture capital arm, CMFG Ventures.

Mr. Isaak joined CUNA Mutual Group in 2014. Since joining CUNA Mutual Group he has focused on enhancing teams’ ability to operate with agility, as well as design and develop products utilizing innovation best practices. Prior to joining CUNA Mutual Group, he held project, product and operations leadership roles with Pepsi-Cola and United States Marine Corps.

Mr. Isaak, a Marine Corps Veteran, earned a bachelor’s degree in Social Science from the University of North Dakota, and master’s degrees in Science and Business Administration from Cardinal Stritch University. He holds multiple certifications in project and product management, innovation, and Six Sigma Black Belt from the University of Wisconsin-Madison.⨯

Nathan Post recently joined Rusty Wallace Auto Group in Knoxville TN as a general sales manager. The group has 8 dealerships in east TN and has been serving Knoxville and surrounding areas for almost 50 years. Nathan started selling cars in 2003 at a AMSI Group Ford dealership, and over the next 15 years he was promoted through the ranks all the way to GSM. 11 of the 15 years were spent in the finance office where Nathan and his team won numerous awards within the group, as well as multiple President's Awards from Ford Motor Corporation.

Nathan is known for building great relationships with local credit unions and banks, helping them grow into one of the highest auto registration counties in the country.⨯

Bill Lapp is the director of product implementations at CU Direct in Ontario, California. Bill has been with CU Direct for 20 years, starting in the Customer Care department. As the company grew and expanded, Bill transitioned through many roles, including business analyst, product manager and release manager, where his leadership was focused on product quality and overall release processes.

Today, Bill oversees the product implementations department, where he leads a team that configures and guides lenders through the setup of lending products.⨯

Sean joined TransUnion in 2018 and has dedicated his entire career to the credit union movement. His primary responsibilities include developing TransUnion’s presence in the credit union market by helping to shape and execute TransUnion’s credit union strategy. Prior to joining TransUnion, Sean served as a consultant and account executive at Alogent, an enterprise technology provider for credit unions and banks. Before his work on the partner side of the business, Sean held management roles in lending and retail with various credit unions on the East coast. Sean earned his B.S. in Finance from the University of New Hampshire and his MBA from Norwich University, where he authored an independent research project on credit unions.