2020 CreditCon Speakers
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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
Julie Wooding is a Principal Consultant in the Scores group, and has been with FICO since 1993. She works with larger U.S. lenders to help them understand, use, and evaluate our FICO® Score solutions. In addition, Julie provides 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 and risk score development, and previously worked on the development of FICO® Scores for U.S. and Canadian credit bureaus. In her 25 years at FICO, Julie also served as a strategy consultant, a role in which she worked with clients to develop, evaluate, and continuously improve their account management strategies. Julie holds a B.S. in Finance and an M.B.A. degree.
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
Julie Wooding is a Principal Consultant in the Scores group, and has been with FICO since 1993. She works with larger U.S. lenders to help them understand, use, and evaluate our FICO® Score solutions. In addition, Julie provides 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 and risk score development, and previously worked on the development of FICO® Scores for U.S. and Canadian credit bureaus. In her 25 years at FICO, Julie also served as a strategy consultant, a role in which she worked with clients to develop, evaluate, and continuously improve their account management strategies. Julie holds a B.S. in Finance and an M.B.A. degree.
Cristian deRitis, PHD
Senior Director – Moody’s Analytics
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.
Dion Delauder
Developer – Kraken Automations
Julie Wooding is a Principal Consultant in the Scores group, and has been with FICO since 1993. She works with larger U.S. lenders to help them understand, use, and evaluate our FICO® Score solutions. In addition, Julie provides 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 and risk score development, and previously worked on the development of FICO® Scores for U.S. and Canadian credit bureaus. In her 25 years at FICO, Julie also served as a strategy consultant, a role in which she worked with clients to develop, evaluate, and continuously improve their account management strategies. Julie holds a B.S. in Finance and an M.B.A. degree.
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.
Jesse Leimgruber
Co-founder Bloom
Jesse is the co-founder of the credit and identity platform, Bloom. Bloom is a new credit scoring algorithm to compete with FICO and Vantage Score based on Blockchain technology. Jesse studied computer science at Stanford University. Jesse is an advisor to The Alchemist Accelerator, a Thiel Fellow, and a mentor at the European Innovation Academy. He’s served as a guest lecturer at Stanford University, The University of Southern California, DePaul, among others. Prior to Bloom, Jesse founded predictive analytics company, NeoReach.
John McNamara
Assistant Director, CFPB
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.
John 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.