Diana R. Dykstra / President & CEO, California & Nevada Credit Union League

Diana Dykstra is a dynamic chief executive with more than 40 years of experience in leading top organizations in the financial services industry. She is currently the President/CEO of the California and Nevada Credit Union Leagues.

Previously, Diana served as President/CEO of San Francisco Fire Credit Union and CoastHills Federal Credit Union, as well as a Senior Vice President of Patelco Credit Union. During her tenure as Senior Vice President at The Golden 1 Credit Union, Diana led her team to develop the prototype of the now successful Credit Union Direct Lending (CUDL) program.

Diana, a certified International Credit Union Development Educator (ICUDE), is a 1992 graduate and current President of Western CUNA Management School. She was awarded the James D. Likens Alumni Recognition Award in 2001, the California League’s Distinguished Service Award in 2002, the Phil Greer Lifetime Achievement Award from the CUNA Lending Council in 2012, the American Association of Credit Union Leagues’ highest honor—the Eagle Award—in 2014, and most recently is The National Credit Union Foundation’s 2019 Herb Wegner Memorial Award Winner.

Diana previously served as chairman and board member of the California Credit Union League. She is currently serving on the board of directors of the American Association of Credit Union Leagues (AACUL), CUNA Strategic Services, World Council of Credit Unions (WOCCU), BALANCE, Global Women’s Leadership Network, League InfoSight, PolicyWorks, and Plexcity—a cooperative business for member credit union leagues.

Eric North / Attorney, Moore, Brewer, Wolfe, Jones, Tyler, & North

Eric North is an attorney who has represented the interests of credit unions for more than thirty years. His areas of expertise include compliance, privacy, corporate, collections and bankruptcy matters. Eric is admitted to practice before the courts of the State of California, the United States District Courts in Northern, Eastern, Central and Southern districts of California, and the Ninth Circuit Court of Appeal, but has also appeared in other federal courts by special permission of those courts. Prior to becoming an attorney, Eric worked within the consumer finance industry in management, and in lending, collections, and operations departments.

In addition to practicing law, Eric spends a significant portion of his time providing training for credit unions and their attorneys with respect to legal issues. Through his separate business “NorthLegal Training and Publications,” Eric has worked closely with CUNA and other state and local credit union associations, to present local programs like this one, frequent “NorthLegal Webinars” conducted online, and annual conferences such as the NorthLegal Collections Conference and the NorthLegal Bankruptcy Conferences.

Valerie Bantner Peo / Attorney at Buchalter

Valerie Bantner Peo has a broad commercial practice with significant experience at the trial and appellate levels in bankruptcy, federal, and state court, as well as mediation. She has represented financial institutions, manufacturers, airports, landlords, and trustees in state and federal court, and in all aspects of bankruptcy reorganization and liquidation, including lease assumptions and rejections, plan confirmation, claim disputes, fraudulent transfers, and preference liability.

Ms. Bantner Peo served as a clerk for the Honorable Edward D. Jellen, U.S. Bankruptcy Court for the Northern District of California.

In 2016, Ms. Bantner Peo was one of The International Women’s Insolvency and Restructuring Confederation’s (IWIRC) 2016 “Rising Star” award finalists and was featured in their IWIRC Connection’s Member Spotlight.

Ken Evancic / Vice President, Resource Management Services

Ken Evancic is a collections veteran with over 20 years experience, managing more than 1200 collectors, and multiple portfolio types. He has managed all phases of collection, including all levels of delinquency, automated dialer units, early out agency management, recovery, and skip tracing. In addition to collections operations management, he has lead initiatives in the areas of performance management, collections strategy development, collector and manager training, collector desktop design, collections reporting systems, and risk and compliance.

Prior to joining Resource Management Services, Inc. in 2011, Ken was a Sr. Vice President and Collections Director at Citi Cards. His responsibilities included the consumer and partnership credit card portfolios. In addition to this responsibility, Ken played the lead role in developing Citi’s current collections performance management system. Prior to Citi, Ken worked at AT&T Universal Card where his career started as a collector and moved throughout collections with roles as a dialer operator, Front Line manager, and a Vice President Collections Operations manager.

Cristian deRitis / Senior Director, Consumer Credit Analytics

Cristian deRitis is a Senior Director with Moody’s Analytics. As the Head of Consumer Credit Research in the Americas, Cristian specializes in credit, policy and the broader economic conditions.

He publishes analysis regularly and is often quoted in publications such as the Wall Street Journal for his views on the economy and consumer credit markets. In addition, Cristian leads a team of analysts in the development of econometric credit loss models for stress-testing, financial reporting and business as usual purposes including CCAR,DFAST, IFRS9 and CECL. Cristian also spearheads efforts to obtain alternative sources of data to measure economic activity more accurately than traditional sources.

Before joining Moody’s Analytics, Cristian worked for Fannie Mae and taught at Johns Hopkins University. He holds a PhD in economics from Johns Hopkins University and is named on two U.S. patents for credit modeling techniques.

David Fieldhouse / Director, Consumer Credit Analytics with Moody Analytics

David Fieldhouse is a Director of Consumer Credit Analytics with Moody’s Analytics. David develops and validates models of retail loan performance for financial institutions as well as produces analysis of consumer credit markets. David has a PhD from the University of Western Ontario.

Tony Altieri / Director of Business Development, National Powersport Auctions

Tony is the Director of Business Development at National Powersport Auctions. He has over 15 years’ experience in the auction and remarketing industry. Prior to joining NPA in 2009, Tony was the AVP of Remarketing for Bank of America. In 2016, he was chosen to sit on the Board of Directors at Powersports Finance.

Why interested in presenting to the NCUCA attendees
My knowledge and experience allow me to provide keen insights, as to why the Credit Unions have much to gain, when lending in Powersports. Also, to understand expectations when recovering and having to remarket those repossessed.

Outcome from attending this presentation
A true understanding of the benefits and real risks of lending, and how to maximize your return in remarketing Powersports vehicles.

Courtney Collier / RVP of Sales, Open Lending

Courtney Collier joined OpenLending in January of 2018 as a Regional Vice President. Prior to starting at OpenLending, Courtney managed CU Direct’s loan portfolio analytics product, Lending Insights. Since 2012 he successfully worked with over 100 credit unions to manage and develop comprehensive credit risk management programs using data and analytics. He has worked diligently to educate credit unions on the latest techniques and best practices to uncover risk and discover opportunities hidden in their portfolio’s data. As a strategic leader and industry expert, Courtney focuses on using data to make a positive impact on profitability, mitigate risk and drive efficiencies through data-driven decisions and actionable analysis.

Shirley McFarlane / RVP of Sales, Open Lending

Shirley has been involved with the credit union industry for the past 30 years. She is a firm believer in the credit union movement and the philosophy of people helping people. Shirley began her credit union career in Alberta, Canada. She worked her way through many positions which earned her trust amongst the members and fellow credit unions. Her expertise lies with lending and membership growth which has allowed her to assist many credit unions in both Canada and the United States.

Shirley and her husband came to the United States in 2001. After working with one of the largest credit unions in Canada, she made the move to work with Transamerica (State National Companies). She currently is RVP of Sales with Open Lending.

Ann Davidson / Vice President of Risk Consulting, Allied Solutions

Ann has over 40 years assisting credit unions in identifying areas of risk in their operations and recommends appropriate loss controls to reduce loss exposure.

In her past experience she has worked in claims, underwriting and risk management in helping credit unions manage their risks. Ann is frequently asked to speak by various organizations on a variety of topics related to fraud risk. She also provides training for credit union employees and is considered an expert on payments. Ann often conducts training seminars on electronic payments, cards, ACH and wires.

Ann attended the University of Wisconsin and is associated with many industry experts as it relates to managing risk. In her spare time, she spends time with her family, enjoys snow skiing and volunteering with various groups.

Mark Rubino / Sr. Vice President, South Bay Auto Auction and Remarketing Services

Mark has over thirty years of experience in the automotive industry, including an extensive financial services background. Mark’s responsibilities throughout his career have included marketing, loan originations, collections, audit, and risk management.

Prior to joining South Bay Auto Auction in 2000 as Marketing Director, Mark spent ten years as Operations Chief of Staff and a Regional Manager for Fidelity Financial Services and Wells Fargo Financial Services. His duties there included the hiring and training of management personnel as well as auditing field branch operations, and due diligence of pending acquisitions.

Born and raised in New Haven, Connecticut, he attended Quinnipiac College in Hamden, CT before moving west to California.

Linda Straub Jones / Director Market Planning – Compliance, LexisNexis

Linda Straub Jones is the Director of Market Planning for Compliance Products with LexisNexis Risk Solutions. She has over 30 years of experience in the credit/collections industry and has worked as a collector, skip tracer, paralegal, bankruptcy data specialist and compliance data specialist. She has been with LexisNexis Risk Solutions for 16 years. Prior to that she worked with Probate Finder, LLC and Balogh Becker law firm.

In her current position Linda is responsible for researching and reviewing the rules and regulations that impact the credit and collections industry and strategizing on how data may help customers with those regulations. Additionally she writes articles, blogs and whitepapers relating to the credit and collections industry and presents on compliance topics at industry webinars and conferences.

Denise Cross / Accounts Receivable Management & Financial Services Division, LexisNexis

Denise Cross has worked as a Consultant for twelve years to the LexisNexis Accounts Receivable Management Division and Financial Services Division. Her primary focus is workflow analysis and design. In addition, she has a heavy focus on compliance and attends all ACA and CFPB sessions in Washington, DC.

Denise has 30 years of experience working in the collection industry that encompasses all aspects of the collection cycle. She has worked a multitude of portfolio types: auto deficiency, retail, bankcard, commercial collections, healthcare, early stage delinquencies and student loans.

Denise’s career started 1987 as a collector with CSC Credit Service and moved through management, ultimately becoming General Manager, prior to her departure in 1995. She worked as a Collection Manager for USAGroup (Sallie Mae) and prior to joining LexisNexis, worked as the Legal Recovery Manager for Mutual Hospital Services for several years.

Jose Iregui / Vice-President of Collections at Langley Federal Credit Union

Bilingual executive with 25 years of experience in customer service and sales and over 18 years of call center management, BPO management, sales of off shoring services, international banking purchases, credit card operations, fraud detection/prevention and consumer finance management in the United States, Canada, Latin America and South East Asia. Extensive success in turning around financial services organizations through process improvement, re-engineering and operational streamlining. Currently the Vice President of Collections at Langley Federal Credit Union. Jose graduated with BA in Management and Entrepreneurship – Buena Vista University. Strengths include:

• Executive Leadership
• Sales of BPO Services
• B2B and B2C Management
• Mergers and Acquisitions
• Global Product Development
• BPO and Operations Management
• Enterprise Change Management
• Project Management Methodologies

Kevin Barth / Regional Vice President at Temenos USA, Inc.

Kevin Barth is the Regional Vice President of Sales for the Western region with Temenos. He brings over 15 years of banking knowledge and experience with him. So far during his career he has managed everything from large commercial banks to neighborhood community banks. During his tenure Kevin was recognized as a sales leader; he was always able to adapt to the good, bad, and ugly of the banking industry in which he lead himself and his teams successfully through each of those periods.

Kevin first joined Temenos in 2015 as a Product Evangelist, in that role he was tasked with being a product and subject matter expert in all of the Lifecycle Management Suite products. Kevin developed and delivered tailored sales presentations, and product demonstrations, to prospective and existing customers. He was also very in tune with what was happening in the financial services and technology industry which helped him to ensure that Temenos’ product were in fact delivering world class results to their customer base. With all of this experience and knowledge he is now able to speak very in depth and answer questions immediately when speaking to customers and prospects.

John Bagents / President/CEO at County Schools Federal Credit Union

John Bagents is the President/CEO of County Schools Federal Credit Union in Ventura, CA. Prior to joining CSFCU, John worked in three different regions for the National Credit Union Administration (NCUA), examining credit unions in 11 or more states. Since taking the position at County Schools FCU in 2014, he and his team have decreased the credit union’s delinquency and net charge off ratios by 90% and 72%, respectively. John also serves on the Steering Committee for the Southern California Credit Union Alliance (SCCUA).

Jerad Broaddus / Vice President of Loan Services, Partners Federal Credit Union (PFCU)

Jerad has worked in the financial services industry for over 20 years; with most of that experience being in leadership roles within inbound/outbound contact centers. Jerad has been in the credit union industry now for 8 years and has no desire to move back to banking! Jerad prefers working within credit union’s because they are focused upon servicing the member. In his current role at PFCU Jerad is responsible for the development and implementation of collection, loan servicing, loss mitigation, repossession and recovery strategies. He will graduate with his MBA from Southeastern University in August 2019

On his move from Tucson, AZ to Orlando, FL in 2015, “Heat is heat. Dry, or wet…it’s just plain hot.”

Dawn Rogers / Collections Manager at Arizona Federal Credit Union (AZFCU)

Dawn Rogers serves as the Collections Manager for a 1.6 billion dollar credit union, Arizona Federal Credit Union (AZFCU). In addition, she is the President of the Arizona Credit Union Collector’s Council (ACUCC). The ACUCC is an Arizona based collections organization specifically for Credit Unions, providing opportunities for education, networking, and best practice sharing. She oversees collections, recoveries, repossession and remarketing for AZFCU. She has twenty plus years of experience in collections and financial services at both Credit Unions and Large Banks. She has played a key role in two of the largest system conversions in banking history. Dawn’s first love is training where she managed new hire as well as on-going training and leadership learning for sites in excess of 2,500 employees.

Scott Wilder / Fraud Manager, CFE at Toyota/Lexus Financial Services

Scott Wilder has been employed by Toyota Financial Services (TFS) over the past 10 years as Fraud Control Manager. In this capacity he manages a high performing team of Fraud Investigators with dual objectives of detection/prevention in originations and recovery/loss mitigation. Scott is a believer in education, training, and collaboration between the auto finance industry and law enforcement in order to fight fraud. Partnering is critical not only to detect fraud but to help law enforcement enforce penalties against the fraudsters. His Fraud Team conducts regular training sessions within the TFS organization and Toyota/Lexus dealerships to improve fraud awareness in the credit approval process.

Scott is a former Chairperson of the Auto Finance Coalition, (AFC), which is a sub-committee of the IAFCI and serves as a platform for members to collaborate in sharing information to help fight fraud. In this capacity he has presented as an authority on topics of Auto Finance fraud at a number of conferences.

He is designated as a Certified Fraud Examiner (CFE).

Dewayne Couch / Vice President of Collections, NavyArmy Community Credit Union

Dewayne Couch serves as the Vice President of Collections for Navy Army Community Credit Union in Corpus Christi, Texas. He oversees collections, recoveries, repossessions, and remarketing at NACCU. Dewayne has twenty-two years of experience in collections in the sub-prime auto finance and credit union industries. Prior to joining Navy Army CCU, Dewayne served at Westlake Financial Services in Los Angeles and as Vice President of Collections at Omni American Bank (formerly Omni American Credit Union) in Fort Worth, Texas. Dewayne has a Bachelor of Business Administration degree in Marketing, and a Masters in Management degree in Organizational Change & Leadership, both from Texas Wesleyan University.

Jamie K. Adams / AVP, Loan Servicing & Credit Resolutions

Jamie Adams has been in the financial industry over 17 years. In her tenure, Jamie has amassed knowledge in several key areas including, Collections, Loan Servicing, Call Center Operations, Real Estate, Loan Reporting and Compliance. She is currently the Assistant Vice President of Loan Servicing and Credit Resolutions with Silver State Schools Credit Union. She is charged with managing a $300 million+ mortgage loan portfolio with a credit union asset size of $780 million. Jamie also oversees loss mitigation strategies, including, foreclosure/REO management, bankruptcy process, repossession and recovery efforts, workout loans and general collection strategies.

John McNamara / Bureau of Consumer Financial Protection

John McNamara is the Assistant Director of Consumer Lending, Reporting, and Collections Markets in the Research, Markets and Regulations division of the Bureau of Consumer Financial Protection. He manages a team of subject matter experts and analysts covering the student, auto, small dollar, marketplace, and installment lending markets, as well as credit reporting and debt collection.

Prior to joining the BCFP, 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 and compliance management systems and four 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.

John is a frequent speaker/panelist/consultant and author, addressing key issues and trends in the collection industry. In 2012, John chaired both the National Collections and Credit Risk conference and the Financial Services Collections and Credit Risk symposium. In 2011 John was named an ACA International Scholar and Fellow. He also is the 2009 winner of the ACA Kurt Swersky award for leadership. In 2007, John was appointed Vice President and Board Member of the Georgia Collectors Association. John was named to Collection Advisor magazine’s list of the Top 50 Most Influential Collection Professionals for 2006.

John has served as Chairman of the ACA Affiliate Committee, and member of the Debt Buyers Association Education Committee. John also served on both the Technology and Compliance Committees for TRMA.

John is a summa cum laude graduate of Kennesaw State University with a Bachelor of Business Administration degree in Finance. In 2014, John received his MBA from Kennesaw State University, where he was named a University Scholar.

Jennifer Smith / Senior Counsel at Buchalter

Jennifer Smith focuses her practice primarily on representing financial institutions and corporate clients, specializing in pre- and post-judgment remedies, workouts, and general business-related matters. Ms. Smith is also experienced in unlawful detainer prosecution and defense, and in defending worker’s compensation/ Labor code 132a claims. She is counsel to more than 70 credit unions throughout California.

Ms. Smith is on the Executive Board of the Fashion Industries Guild of Cedars-Sinai. Ms. Smith also serves on the Board of Directors for the California Credit Union Collector’s Council, North Los Angeles Chapter. She speaks regularly at various credit union chapter meetings and conferences on issues of Rees-Levering, vehicle lien laws, garageman’s liens, Fair Debt Collections Practices Act (Federal and State), indirect and direct loans, and California’s anti-deficiency laws. Ms. Smith also speaks on the enforcement of judgments. Additionally, she presents educational seminars for attorneys on Judgment Debtor Examinations, Writs of Possession, and Writs of Attachment. Ms. Smith co-authored, “When Should You File a Form 1099-C?” Points & Authorities, 2000.

Don Arkell / Senior Consultant, CU Lending Advice

Michael Cochrum / President& CEO of CUBI.Pro

Michael is President/CEO of CUBI.PRO, a credit union focused, Outsourced Business Intelligence company. He has made a career in consumer finance that spans almost three decades, having worked for several national banks and coming to credit unions in 1999. He has an extensive and broad lending background in underwriting, collections asset recovery and program management. Michael holds a bachelor’s of science in data analytics, an MBA from Texas A & M University and is a graduate of the Southwest CUNA Management School.

Michele Stuart / Owner, JAG Investigations, Inc.

Michele Stuart is the owner and operator of JAG Investigations, Inc. since its creation in 1997. Previous to this she was employed by Assets Intelligence starting a financial investigative career in 1990. Michele has over 25 years of experience in OSINT, counter intelligence, insurance fraud investigations, financial investigations, threat assessments, due diligence, organized retail crime, corporate & competitive intelligence. Over the past 15 years, she has taught hundreds of classes in open source intelligence and social media investigations for the law enforcement and military intelligence communities as well as the financial industry and insurance industry on a global level. She has been an Instructor at Quantico (FBI Academy) for International training programs and an Adjunct Professor with University of Virginia.

Jeff Davis / Consultant, Mainsail Trim

Jeff was a Risk Management Consultant for CUNA Mutual Group providing risk management services to credit unions in Southern California and Arizona for over 20 years. He was a member of their Employment Practice, E-Commerce, Data & Network Security, and Business Continuity product teams. Prior to joining CUNA Mutual he worked as a fraud investigator for Security Pacific Bank in Los Angeles.

He is currently going on his fourth year with Mainsail Trim consulting credit unions in Southern California on areas of Risk and Compliance.

Richard L. Ensweiler / CEO/President, Cornerstone Credit Union League

Richard L. (Dick) Ensweiler is the President and CEO of the Cornerstone Credit Union League and its affiliates.   A dedicated credit union enthusiast, he has spent his entire professional career in the credit union movement.  He managed Harley Davidson Credit Union, was a senior officer at CUNA Mutual, and has been President and CEO of the Minnesota, Illinois, and Texas Leagues. He currently serves as Chairman of CU Partner Link and Credit Union House and is on the Boards of League InfoSight, the Credit Union Museum, CO-OP Shared Service Centers, the Harmon Killebrew Foundation and his alma mater, Lakeland College.

Dick served on the Board of Directors of CUNA – the Credit Union National Association – and was its Chairman from 2003-2005. He received the Herb Wegner Memorial Award for Individual Achievement in 2010. He received the World Council of Credit Unions’ Ambassador Award in 2008, and their Distinguished Service Award in 2015.  He was inducted into the Illinois Credit Union League’s Hall of Fame in 2007 and presented with the Leadership & Vision Award by the Network of Latino Credit Unions and Professionals.   He holds designations as a Certified Credit Union Executive (CCUE), a Certified Association Executive (CAE), and he is an ICUDE (International Credit Union Development Educator).  Dick holds a Bachelor of Science degree in Business Administration from Lakeland College, Sheboygan, Wisconsin.

Dick has been married to Judy, a small business owner for 42 years.  They have 2 sons and 3 grandchildren.

Joseph M. Welch Esq. / BuchalterNemer

Joseph M. Welch is an attorney who focuses primarily in the areas of bankruptcy, litigation and real estate.  In 2013 and 2014, Mr. Welch was selected as one of the Top 40 Bankruptcy Lawyers Under 40 in the State of California by the American Society of Legal Advocates and as a Southern California Super Lawyer Rising Star.  Mr. Welch is a Certified Bankruptcy Specialist from The State Bar of California Board of Legal Specialization.

Before practicing law, Mr. Welch was the principal of a real estate and mortgage brokerage.  He has been a licensed real estate broker in California for over 10 years.

Mr. Welch regularly conducts training seminars and presentations for bank and credit union clients throughout California.

Ken Evancic / Vice President, Resource Management Services

Ken Evancic is a collections veteran with over 20 years experience, managing more than 1200 collectors, and multiple portfolio types. He has managed all phases of collection, including all levels of delinquency, automated dialer units, early out agency management, recovery, and skip tracing. In addition to collections operations management, he has lead initiatives in the areas of performance management, collections strategy development, collector and manager training, collector desktop design, collections reporting systems, and risk and compliance.

Prior to joining Resource Management Services, Inc. in 2011, Ken was a Sr. Vice President and Collections Director at Citi Cards. His responsibilities included the consumer and partnership credit card portfolios. In addition to this responsibility, Ken played the lead role in developing Citi’s current collections performance management system. Prior to Citi, Ken worked at AT&T Universal Card where his career started as a collector and moved throughout collections with roles as a dialer operator, Front Line manager, and a Vice President Collections Operations manager.

Diana Dykstra / President/CEO, California/Nevada Credit Union Leagues

Diana Dykstra is a dynamic chief executive with over 35 years of experience in leading top organizations in the financial services industry. She is currently the President/CEO of the California and Nevada Credit Union Leagues.

Previously, Diana served as President/CEO of San Francisco Fire Credit Union and CoastHills Federal Credit Union as well as an SVP of Patelco Credit Union. During her tenure as SVP at The Golden 1 Credit Union, Diana led her team to develop the prototype of the now successful Credit Union Direct Lending (CUDL) program.

Diana is a 1992 graduate and current instructor of Western CUNA Management School. She was awarded the James D. Likens Alumni Recognition Award in 2001, the California League’s Distinguished Service Award in 2002, the Phil Greer Lifetime Achievement Award from the CUNA Lending Council in 2012 and the American Association of Credit Union Leagues’ highest honor—the Eagle Award—in 2014.

Diana served as chairman and board member of the California Credit Union League. She is currently serving on the board of directors of the American Association of Credit Union Leagues, CUNA Strategic Services, the Global Women’s Leadership Network Fundraising Committee for the World Council of Credit Unions, the Consumer Credit Counseling Service/BALANCE and Plexcity—a cooperative business for member credit union leagues.