Agenda

8:00am

Breakfast & Registration

> Main Space

9:00am

Welcome remarks

Welcome: Has the Cash Flow Underwriting Era Arrived?

9:15am

Fireside chat

State of the American Consumer & Credit Performance

Details

What does the economic cycle tell us about consumer credit today? What do consumer cash flows look like? How are consumers using credit in the U.S. and what product trends are we seeing? What unique borrower opportunities exist amidst a backdrop of economic expectations?

Moderator:

Collin Galster

COO

Nova Credit

Speakers:

Ashwin Adarkar

Senior Partner

McKinsey & Company

Dave Wasik

Partner

2nd Order Solutions

9:50am

Panel

Gaps in the Current Credit System

Details

While significant progress has been made over the last decade, some significant challenges persist in enabling credit access for millions in underserved segments. This session will focus on addressing the gaps in traditional credit data and exploring innovations like cash flow underwriting to enhance financial inclusion, with panelists reflecting on the progress, challenges, and opportunities in achieving financial equity.

Moderator:

Jennifer Tescher

President & CEO

Financial Health Network

Speaker:

Manolo Sanchez

Board Member

Affirm

Mike Shepard

SVP, Head of Consumer Lending Partnerships

U.S. Bank

10:25am

Fireside chat

A Look Into Open Banking Policies in Action After 1033

Details

As Section 1033 takes hold, we’ll speak with the CFPB about the upcoming impact of the regulation, unearthing expectations around compliance with the policies and understanding their vision for the future of open banking in the U.S.

Moderator:

Tom Brown

Partner

Nyca Partners

Speaker:

John J. McNamara

Principal Assistant Director, Markets

Consumer Financial Protection Bureau

11:00am

Break

11:25am

Fireside Chat

Safety & Soundness During Regulatory and Economic Shifts

Details

What does a cash flow driven future mean for the health of the financial services industry? Drawing on extensive experience in the regulatory and compliance sector, Gene will explore the balance between accuracy and automation, a financial institutions' role in consumer education, the evolving role of credit scores and alternative data like cash flow underwriting within financial institutions, and the competitive risks of not adopting emerging financial technologies.

Moderator:

Penny Crosman

Executive Editor, Technology at American Banker

Arizent

Speaker:

Eugene Ludwig

Former Comptroller

Office of the Comptroller of the Currency

11:55am

PANEL

Playing 3D Chess: Challenges with Attributes, Analytics, and Scores

Details

How do cash flow analytics different from traditional credit processes? We will delve into the practical aspects of implementing cash flow-based scoring, comparing it with traditional credit scores, and offer guidance on deployment strategies, analytics in action, and decisioning processes. We will examine the necessary infrastructure and ROI education needed for successful implementation, addressing potential biases in scoring, and strategies for regulation of cash data.

Moderator:

Sarah Davies

Chief Analytics Officer

FinRegLab

Speakers:

Brian Hughes

Fmr. Chief Risk Officer

Discover

Ash Gupta

Board Chairman

Corridor Platforms

Vishal Saxena

Head of Portfolio Analytics

Pagaya

12:30pm

Lunch

> Main Space

1:15pm

PANEL

The Cash Flow Journey: Key Applications to Get Started

Details

With so many use cases, where do you begin? This session centers on the opportunities and challenges of implementing cash flow underwriting across various financial products, focusing on how to effectively apply cash data throughout the customer lifecycle. We’ll discuss strategies for initial applications, high-impact use cases, overcoming user experience and infrastructure hurdles, maximizing coverage and conversions, and explore some critical considerations for expanding beyond initial use cases.

Moderator:

Alex Johnson

Founder

Fintech Takes

Speaker:

Chief Product Officer

MoneyLion

2:00pm

two tracks

Deep Dives: Choose 1 of 2 below

Track One

> Mainstage

Establishing a Credit Policy Using Cash Flow Underwriting

Details

Dive into the world of consumer-permissioned data and how it is reshaping credit assessments. Panel will discuss how lenders can navigate the cold start problem, testing into the space, building versus partnering solutions, and the journey from early-stage implementation to long-term integration of cash flow data.

Moderator:

Peter Renton

CEO and Founder

Renton & Co LLC

Potential Panelists:

Nikki Cross

Senior Director of Data Science Solutions

Nova Credit

Richard Franks

Global Head of Risk Strategy

PayPal

Nancy Berger

AVP, Credit Strategy and Administration

AT&T Services

Track Two

> Breakout Room

Steering Clear of Compliance Pitfalls

Details

While cash flow underwriting may seem new, its foundations have been in practice for a number of years now. Join us for a dynamic session on the rules, regulations, and best practices of cash flow underwriting. Our panel of business, compliance and legal experts will share their insights on this evolving landscape. Discover how companies are overcoming the challenges and explore the future of cash flow underwriting in today's financial environment.