Meet The 2020 Virtual CreditCon Speakers
Key Speakers
Dan Dwyer
Enforcement Office – Federal Trade Commission
Dan Dwyer is an enforcement attorney in the FTC’s Division of Financial Practices. He works on a variety of consumer credit and financial services issues, including credit repair, debt collection, and automobile sales and financing. Mr. Dwyer was lead counsel in the FTC’s recent BoostMyScore matter—an enforcement action involving tradeline credit repair. He is currently litigating several cases on behalf of the agency, and regularly assists with policy matters in the debt collection and credit repair areas. Mr. Dwyer is a graduate of Duke University and the University of California, Berkeley School of Law.
Francis Creighton
President & CEO CDIA – CDIA Credit Data Industry Association
Francis Creighton was named President & CEO of the Consumer Data Industry Association (CDIA) in May 2017.
Before joining CDIA, Francis was Executive Vice President of Government Affairs at the Financial Services Roundtable. A long-time veteran of Capitol Hill, he previously served as Chief of Staff to U.S. Senator Chris Murphy. Prior to that he was Vice President and Chief Lobbyist at the Mortgage Bankers Association, where he worked on affordable housing and other issues important to the real estate finance industry.
Recognized as a “Top Lobbyist” by The Hill newspaper, Francis has made appearances in several trade, national and international print, television and radio outlets, such as American Banker magazine, PBS’s NewsHour and Fox Business.
Francis holds a Master’s degree in Public Policy from Georgetown University, where he is an adjunct faculty member. He received his Bachelor’s degree in Political Science and History from the University at Albany, State University of New York.
Jeff Richardson
Senior VP – Equifax
Jeff Richardson is the Senior Vice President for Marketing & Communications, at VantageScore Solutions. Jeff joined VantageScore in 2011 as Vice President of Public Relations, but he has been involved with the company since its launch in 2006. In his capacity as managing director at Starkman & Associates, he served as public relations counsel for the introduction of the VantageScore 1.0 model and the launch of the company. Since joining the company full-time, Richardson has spearheaded media-relations strategy for the VantageScore 3.0 model and taken over management of all company communications programs, including advertising, digital outreach, and social media as well as public relations. Richardson is a graduate of West Virginia University.
Julie Wooding
Director – FICO
Ms. Julie Wooding, FICO Director, works with clients, consumer advocates and regulators to help them better understand the power of credit scoring technology and its benefits to the financial industry. As a key subject matter expert in the FICO Scores group, Julie works with top-tier lenders in the U.S. to help them evaluate and implement FICO scoring solutions. She delivers in-depth credit scoring training to regulators and lenders, most recently in the U.S., Canada, Russia, Mexico, Romania, the Philippines, and Qatar. Julie has experience in behavior, bankruptcy, revenue and risk score development, implementation and validation, and previously worked on the development of FICO® Scores for U.S. and Canada. Julie holds a B.S. in Finance, and an M.B.A.
Jonah Kaplan
Consumer Reporting Markets Acting Program Manager – Consumer Financial Protection Bureau (CFPB)
Jonah Kaplan has worked in consumer financial services for over twenty years.
Currently he works at the Consumer Financial Protection Bureau (Bureau), an independent federal agency headquartered in Washington, DC created after the 2008 financial crisis to protect consumers.
Since 2015 Jonah has served in the Division of Research, Markets & Regulations as a Markets Analyst and Acting Program Manager for the Bureau’s Consumer Reporting Market Program. He is the author of internal and external reports including the Bureau’s 2020 “List of Consumer Reporting Companies,” an external report that helps consumers understand and act on the information consumer reporting companies collect about them.
From 2012-2015, he worked in the Bureau’s Office of Consumer Response where he helped build and manage the credit reporting and credit repair consumer complaint programs.
Previously, Jonah worked in New York, NY where he built, launched and managed HSBC’s U.S. jumbo home loan program.
Jonah started his consumer financial services career in the marketing department at Merrill Lynch developing new – and improving existing – savings and investment products for distribution in both U.S. and international markets.
Jonah is a magna cum laude graduate of Brandeis University. He received his Masters from Columbia University School of International & Public Affairs.
John Ulzheimer
Credit Expert
John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. He is the President of The Ulzheimer Group. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 230 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.
Peter Maynard
Senior VP – Equifax
Peter leads the Data and Analytics Strategic Client Engagement team that focuses on identifying and driving innovative data and analytics solutions through co-innovation with customers. His responsibilities include analytical product development and innovation, identity linking and matching, identity fraud solutions, as well as data and model governance across Equifax’s global markets. Peter is heavily involved with Equifax’s Artificial Intelligence and Machine Learning Initiatives. Peter has been a part of the Equifax and FICO partnership which has jointly developed and launched The Data Decisions Cloud. Since 2015, the team has grown analytical revenue by over 10%, while generating six patent-pending technologies and implementing a global trended data capability. The key to the team’s successes are insanely curious analysts with a customer mindset that love to design market leading solutions. Prior to joining Equifax, Peter led data and analytics teams across Card, Banking, Consumer and Small Business lending at Capital One where he served as Vice President of Capital One’s Global Financial Services.
Dr. Maynard holds a Ph.D. and M.A. in Economics from The University of Tennessee, Knoxville, and also studied at the University of Rhode Island, where he received a B.S. in Applied Quantitative Economics.
Jerry St. Vil
Jerry is a FICO® Score subject matter expert responsible for cultivating, managing, and supporting FICO’s relationships with its clients in the US and Canada in support of protecting and growing the FICO® Score franchise within each of those markets. Prior to joining FICO in 2014, Jerry was a Sr. Director at Citi for 16 years within Citi’s Global Consumer Bank where he held various roles in credit risk and analytic functions. Prior to Citi, Jerry was a Principal at Opera Solutions, a big data analytics company, where he performed business development and led client engagements within the Consumer Finance & Risk practice. Jerry has an undergraduate degree in electrical engineering from Manhattan College and a MBA in Finance from the University of Michigan.
All Speakers
Shiva Bhaskar
Head Attorney & Cofounder – Tier One Credit
Shiva Bhaskar is a consumer rights attorney, whose practice focuses primarily on litigating cases involving the Fair Credit Reporting Act, and Fair Debt Collection Practices Act. Shiva is the principal attorney of Gopal Law Group, a consumer rights law firm. He is also the head attorney and cofounder of Tier One Credit, a credit repair firm based in California. Tier One Credit operates on a pay per delete basis, and emphasizes both restoring credit, as well as building positive new credit. Shiva is proud to be at the nexus of credit repair and credit / debt litigation. Shiva has trained numerous real estate and mortgage professionals in best practices for credit restoration & credit management. He has educated members of the South Bay Association of Realtors, Inland Valley Association of Realtors, LeaderOne Financial, Bank of The West, and more. Shiva is a proud member of the National Association of Consumer Advocates, the American Bar Association, and the State Bar of California. Shiva is a 2010 graduate of the UCLA School of Law, where he participated in Mock Trial, Moot Court and the Journal of International Law and Foreign Affairs. Shiva graduated from UCLA in 2005, with a BA in Political Science.
Robby Birnbaum
Partner – Greenspoon Marder Law Firm
Attorney Robby H. Birnbaum was born in Milwaukee, Wisconsin. He was admitted to the Florida and Wisconsin Bars in 1999. He is also admitted to the United States District Courts for the Southern District of Florida and Western District of Wisconsin. Mr. Birnbaum is a member of the Broward County, Palm Beach County, Florida, Wisconsin, and American Bar Associations. He is also a member of the Telemarketing, Internet and Privacy Subcommittee that serves the American Resort Development Association. Mr. Birnbaum was a Finalist, selected for the 2006 Up & Comers Award, by The South Florida Business Journal. He focuses extensively on regulatory practices for credit counseling and debt settlement agencies, marketing and advertising regulation, and regulatory compliance. 
David Chami
Managing Partner – Price Law Group
David Chami is a trial attorney and the managing partner for the Price Law Group. David graduated from the Sandra Day O’Connor College of Law at Arizona State University with honors. He is the state co-chair for the National Association of Consumer Advocates (NACA) in Arizona and routinely lectures on credit reporting issues for both lawyers and credit repair professionals. David has tried Consumer Protection, Civil Rights, Employment and and Insurance Bad faith cases in state and federal courts. The Price Law Group has offices in California, Arizona, Nevada, Illinois, Michigan, Florida and Maryland with lawyers licensed in almost every state in the Country.
Mark Clayborne
CEO – Client Dispute Manager Software
A proven marketing expert, Mark Clayborne, has helped people develop insight into effective marketing strategies for over five years. With an incredible understanding of business and marketing, he has succeeded in helping hundreds of businesses become authorities in their respective niche. In an early stage of his career, he single-handedly grew his software business from zero revenue to over a million through these step-by-step strategies. Over the years, Mark has painstakingly harnessed these strategies to provide leverage that will help business people go the extra mile in their endeavors. For Mark, working with businesses to find solutions that work for them is the most rewarding part of his career. At any point in time, he uses various means such as speaking and events, to convey valuable and validated methods through which business can thrive. Successful and strategic marketing requires a careful approach, as well as a willingness to embrace this shift. In an ever-evolving and fast-paced world, Mark wants to assist businesses and their owners with strategies that can boost their customer base. Mark’s experience, combined with his wealth of knowledge, equips him with the right tools for change and growth. He is dedicated and most passionate about preparing his clients for exponential success and growth in all aspects of their business by applying suitable marketing strategies that produce bottom-line results.
Francis Creighton
President & CEO CDIA – CDIA Credit Data Industry Association
Francis Creighton was named President & CEO of the Consumer Data Industry Association (CDIA) in May 2017.
Before joining CDIA, Francis was Executive Vice President of Government Affairs at the Financial Services Roundtable. A long-time veteran of Capitol Hill, he previously served as Chief of Staff to U.S. Senator Chris Murphy. Prior to that he was Vice President and Chief Lobbyist at the Mortgage Bankers Association, where he worked on affordable housing and other issues important to the real estate finance industry.
Recognized as a “Top Lobbyist” by The Hill newspaper, Francis has made appearances in several trade, national and international print, television and radio outlets, such as American Banker magazine, PBS’s NewsHour and Fox Business.
Francis holds a Master’s degree in Public Policy from Georgetown University, where he is an adjunct faculty member. He received his Bachelor’s degree in Political Science and History from the University at Albany, State University of New York.
Dion Delauder
Developer – Kraken Automations
Dion De Lauder is a sales and marketing expert that has been helping business owners to leverage the power of the internet for almost 2 decades! After managing several successful sales and marketing companies, he started his first business consulting company back in 2001. Along the way he has created a nationally published magazine, co-hosted a nationally syndicated television show, owned an event promotions company and in 2012, he won an award for his groundbreaking Radio show that he hosted and directed on CBS Radio in Tampa, FL.
For the 6 years, Dion leveraged his knowledge and experience to serve as the Sales and Marketing Director for a leading website development firm to help thousands of business owner to grow, scale, and automate their online presence. To better serve his clients with a more robust arsenal of tactics, techniques, and processes, in 2015 he created Social Ivy Media to share his guidance and invaluable experience on a more personal level with business owners around the world.
Dan DeLiberty, Esq.
Founder, The DeLiberty Law Firm P.C. | The Credit Lawyer®️
Dan Dwyer
Enforcement Office – Federal Trade Commission
Dan Dwyer is an enforcement attorney in the FTC’s Division of Financial Practices. He works on a variety of consumer credit and financial services issues, including credit repair, debt collection, and automobile sales and financing. Mr. Dwyer was lead counsel in the FTC’s recent BoostMyScore matter—an enforcement action involving tradeline credit repair. He is currently litigating several cases on behalf of the agency, and regularly assists with policy matters in the debt collection and credit repair areas. Mr. Dwyer is a graduate of Duke University and the University of California, Berkeley School of Law.
Steve Ely
CEO | eCredable
Steve Ely is CEO of eCredable – a credit building service that serves Consumers and Small Business Owners, based in Alpharetta, Georgia. There are approximately 45 million Consumers who are not scoreable using traditional credit scoring methods. Almost 85% of all businesses do not have a business credit score due to a lack of information in their business credit reports. Since phone and utility companies do not typically report to credit bureaus, Consumers and Small Business Owners are receiving any benefit for paying these bills on time. eCredable helps Consumers report their phone and utility bills to participating credit bureaus for the purpose of building or improving their credit profile, which directly impacts mainstream credit scores like FICO Score 8 and VantageScore 3.0. eCredable helps Small Business Owners report their phone and utility bills to participating business credit bureaus – even if they work from home. From late 2005 through 2009, Steve was President of Equifax Personal Information Solutions, which provides credit-related products to consumers that helps them manage their credit health, protect themselves against identity theft, and improve their overall financial well-being. Prior to this role, Steve was responsible for global product development at Equifax.
Yitzchak Zelman Esq.
Managing Partner | Marcus & Zelman, LLC
Yitzchak has filed hundreds of lawsuits against collection agencies, banks and credit reporting agencies, and collected millions of dollars in settlements for his clients. Yitzchak is thoroughly versed in all issues involving identity theft, inaccurate credit reporting, mixed files, as well as in dealing with creditors and collection agencies. He regularly consults with credit repair organizations who experience difficulty in removing inaccurate credit entries, and helps them use the law to get the issue fixed when all other avenues fail.
Greg Gorski
Founder | Gorski Law PLLC
Greg Gorski is a consumer rights lawyer based in Philadelphia representing consumers in Pennsylvania, New Jersey and nationally. His practice is focused on assisting consumers who have claims under the FCRA as well as other consumer protections statutes including FDCPA, TCPA, ETFA, FCBA and TILA. Greg has been a passionate consumer lawyer for nearly two decades and is the founder of the consumer litigation firm Gorski Law, PLLC. Greg has successfully litigated hundreds of individual and class action consumer cases throughout the country and possesses significant trial and appellate experience in FCRA matters. He is graduate of Villanova University School of Law and University of Delaware.
Jonah Kaplan
Consumer Reporting Markets Acting Program Manager – Consumer Financial Protection Bureau (CFPB)
Jonah Kaplan has worked in consumer financial services for over twenty years.
Currently he works at the Consumer Financial Protection Bureau (Bureau), an independent federal agency headquartered in Washington, DC created after the 2008 financial crisis to protect consumers.
Since 2015 Jonah has served in the Division of Research, Markets & Regulations as a Markets Analyst and Acting Program Manager for the Bureau’s Consumer Reporting Market Program. He is the author of internal and external reports including the Bureau’s 2020 “List of Consumer Reporting Companies,” an external report that helps consumers understand and act on the information consumer reporting companies collect about them.
From 2012-2015, he worked in the Bureau’s Office of Consumer Response where he helped build and manage the credit reporting and credit repair consumer complaint programs.
Previously, Jonah worked in New York, NY where he built, launched and managed HSBC’s U.S. jumbo home loan program.
Jonah started his consumer financial services career in the marketing department at Merrill Lynch developing new – and improving existing – savings and investment products for distribution in both U.S. and international markets.
Jonah is a magna cum laude graduate of Brandeis University. He received his Masters from Columbia University School of International & Public Affairs.
Matt Liistro
Owner | Credit Admiral Software
Matt Listro is Co-Founder of Credit Admiral Software and a 24 year veteran of the Credit Repair Industry. Matt is the organizer of the annual CreditCon Event. Matt is a published author appearing in numerous publications including Yahoo Finance, US News and World Reports, Dow Jones Marketplace, and The Washington Business Journal. Matt’s expertise lies in the credit disputing process. Matt is passionate about uniting credit industry professionals and the sharing of credit knowledge.
Peter Maynard
Senior VP – Equifax
Peter leads the Data and Analytics Strategic Client Engagement team that focuses on identifying and driving innovative data and analytics solutions through co-innovation with customers. His responsibilities include analytical product development and innovation, identity linking and matching, identity fraud solutions, as well as data and model governance across Equifax’s global markets. Peter is heavily involved with Equifax’s Artificial Intelligence and Machine Learning Initiatives. Peter has been a part of the Equifax and FICO partnership which has jointly developed and launched The Data Decisions Cloud. Since 2015, the team has grown analytical revenue by over 10%, while generating six patent-pending technologies and implementing a global trended data capability. The key to the team’s successes are insanely curious analysts with a customer mindset that love to design market leading solutions. Prior to joining Equifax, Peter led data and analytics teams across Card, Banking, Consumer and Small Business lending at Capital One where he served as Vice President of Capital One’s Global Financial Services.
Dr. Maynard holds a Ph.D. and M.A. in Economics from The University of Tennessee, Knoxville, and also studied at the University of Rhode Island, where he received a B.S. in Applied Quantitative Economics.
Sandy Northup
CEO | NACSO
Nick Owens
CEO | Magnolia Strategy Partners
Nick Owens is CEO at Magnolia Strategy Partners. MSP is a bipartisan government relations and corporate strategic consulting firm that brings together a team of seasoned professionals with both private and public sector experience.Nick is Washington DC lobbyist for NACSO.
Steve Palmieri
Founder | Pre Litigation
Matthew Pannell
Private Investigator – Retired special agent | Prestige Investigations and Consulting LLC
With over three decades of experience as a special agent with the United States Treasury and the Social Security Administration, Matt brings a first-hand perspective to fraud, identity theft and financial crimes. Over the years, Matt has developed specialized expertise in identity and synthetic identity theft, investigating and supporting federal prosecutions across complex networks of individuals involved in these fraud schemes. Hear the personal stories behind the data and learn how vulnerabilities are being exploited to take advantage of individuals, financial institutions, retailers and others from a special agent with a passion for helping consumers and businesses protect themselves from becoming victims of identity theft. Matt currently owns and operates Prestige Investigations and Consulting LLC, using his expertise to investigate identity and financial frauds.
Donna Perkins
NACSO
Donna is Vice President of The National Association of Credit Service Organizations (NACSO). Donna has been in the Credit Industry for over 20 years and has been a recognized credit education expert. Donna also has served on the Congressional Committee Small Busienss Advisory Board.
Lucy Petry
CEO | Petry Law Firm PLLC
Ethan Preston
Principal | Preston Law Offices
Ethan Preston has represented consumers in class actions since 2007, focusing on consumer privacy and unfair trade practices that relate to consumer technology. Mr. Preston has taken substantial leadership roles in many class actions: he was appointed lead counsel or co-lead counsel for certified classes in Wang v. Asset Acceptance, LLC, No. 09-4797 (N.D. Cal. Nov. 17, 2011), DuFour v. Be, LLC, No. 09-cv-03770-CRB (N.D. Cal. May 20, 2013), Holmes v. NCO Financial Services, Inc., No. 10-2543 (S.D. Cal. June 23, 2014), Wang v. Bank of America, N.A., No. CGC-12-526452 (Sup. Ct. San Francisco Aug. 8, 2014), Lofton v. Verizon Wireless (VAW) LLC, No. 13-05665 (N.D. Cal. Jan. 28, 2016), Meyer v. PYOD, LLC, No. 37-2014-00008110-CU-BT-NC (Sup. Ct. San Diego Jan. 6, 2017), In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, No. 11-md- 02295 (S.D. Cal., Jan. 25, 2017), Addison v. Monarch & Associates, Inc., No. 14-358 (C.D. Cal. June 23, 2017), and Cosio v. International Performing Arts Academy, LLC, No. CGC-16-551337 (Sup. Ct. San Francisco Sept. 11, 2018).
Steve Reger
SVP of Sales | SmartCredit®
Steve Reger is the Senior Vice President of Sales / Marketing, Data Breach and Fraud Prevention for Consumer Direct & SmartCredit (www.consumerdirect.com / www.smartcredit.com), a well-established and leading provider of identity protection and credit management services. After 26 years with TransUnion, Steve retired as their Senior Director for Consumer Services and Fraud Victim Assistance in 2015, overseeing 200+ agents and support staff. Steve is a leading authority on credit reporting, financial crimes, identity theft, synthetic identities and credit repair. He is regularly called upon by law enforcement and bank investigators to assist with investigations. In 2012 he was recognized by the Director of the FBI for his invaluable contributions to a multi-year investigation of complex synthetic identity fraud. Steve is a P.O.S.T. certified trainer for the State of California and has led hundreds of presentations to consumers, banks, law enforcement and other government agencies on the subject of credit reporting, credit monitoring & financial crimes. At TransUnion Steve was responsible for the oversight of consumer initiated FCRA litigation brought against TransUnion and most expert witness testimony. Steve has testified or been deposed in more than 600 court cases throughout the United States. His testimony included jury trials as an expert witness for state and federal agencies prosecuting financial crimes in addition to numerous complex credit reporting / FCRA lawsuits. Steve has been an active member of the International Association of Financial Crimes Investigators’ Southern California Chapter since 1991. Steve has successfully completed hundreds of hours of formal training on the subject of financial crimes and credit reporting. He was a participant in working groups on combating identity theft created by the attorney generals for California, Nevada, Utah and Ohio. Steve has been interviewed by numerous leading newspaper, magazine and electronic print media including MSNBC, Reader’s Digest, Money Magazine, Kiplinger, New York Times, Boston Globe and Chicago Tribune. He has appeared in both television and radio segments. Steve attended California State University, Fullerton and the University of Phoenix and holds a bachelor’s degree in Business Management. He can be contacted at 714/329-6336 or sreger@consumerdirect.com.
Jeff Richardson
Senior VP – Equifax
Jeff Richardson is the Senior Vice President for Marketing & Communications, at VantageScore Solutions. Jeff joined VantageScore in 2011 as Vice President of Public Relations, but he has been involved with the company since its launch in 2006. In his capacity as managing director at Starkman & Associates, he served as public relations counsel for the introduction of the VantageScore 1.0 model and the launch of the company. Since joining the company full-time, Richardson has spearheaded media-relations strategy for the VantageScore 3.0 model and taken over management of all company communications programs, including advertising, digital outreach, and social media as well as public relations. Richardson is a graduate of West Virginia University.
Christina Gill Roseman
Founder | Roseman Law Firm, PLLC
Christina Gill Roseman, Esq. is the founding attorney of Roseman Law Firm, PLLC, where she represents consumers in the areas of dealer fraud, lemon law and breach of warranty. Ms. Roseman has successfully tried numerous cases against vehicle manufacturers and dealerships, including a $500,000 verdict against Winnebago. Ms. Roseman has presented on the topic of auto fraud at the National Association of Consumer Advocates’ Auto Fraud Conferences in 2012, 2016 and 2018, and for the Women’s Bar Association of Western PA in 2015. Ms. Roseman presented on the Lemon Law for the Allegheny County Arbitration Division in 2012. She has also organized and been a panelist on numerous seminars on trial topics, including voir dire, expert witnesses and settlement negotiations. She is the co-chair for the NACA 2020 Spring Training Auto Fraud Track. She has been selected as a Pennsylvania Super Lawyer from 2014 through 2019. Ms. Roseman is licensed to practice law in Pennsylvania, West Virginia, Ohio, Wisconsin and Michigan. Roseman Law Firm, PLLC has offices in Pittsburgh, Pennsylvania and Morgantown, West Virginia.
Michael Sullivan
CEO, Founder, Owner | Fresh Start Tax
The IRS Offer in Compromise Program + The Various IRS Debt Programs, The Non- Filer Program, Why Your Tax Return Get Audited by the IRS and much,much more, BOOM
John Ulzheimer
Credit Expert
John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. He is the President of The Ulzheimer Group. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 230 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.
Jerry St. Vil
Director of Client Services and Business Development – FICO
Jerry is a FICO® Score subject matter expert responsible for cultivating, managing, and supporting FICO’s relationships with its clients in the US and Canada in support of protecting and growing the FICO® Score franchise within each of those markets. Prior to joining FICO in 2014, Jerry was a Sr. Director at Citi for 16 years within Citi’s Global Consumer Bank where he held various roles in credit risk and analytic functions. Prior to Citi, Jerry was a Principal at Opera Solutions, a big data analytics company, where he performed business development and led client engagements within the Consumer Finance & Risk practice. Jerry has an undergraduate degree in electrical engineering from Manhattan College and a MBA in Finance from the University of Michigan.
Julie Wooding
Director – FICO
Ms. Julie Wooding, FICO Director, works with clients, consumer advocates and regulators to help them better understand the power of credit scoring technology and its benefits to the financial industry. As a key subject matter expert in the FICO Scores group, Julie works with top-tier lenders in the U.S. to help them evaluate and implement FICO scoring solutions. She delivers in-depth credit scoring training to regulators and lenders, most recently in the U.S., Canada, Russia, Mexico, Romania, the Philippines, and Qatar. Julie has experience in behavior, bankruptcy, revenue and risk score development, implementation and validation, and previously worked on the development of FICO® Scores for U.S. and Canada. Julie holds a B.S. in Finance, and an M.B.A.
