American Financial Services Association

2021 Independents Conference & Expo

May 24 - 27, 2021

Marriott Harbor Beach Resort & Spa | Ft. Lauderdale, Florida

2021 Independents Conference & Expo

May 24 - 27, 2021

Marriott Harbor Beach Resort & Spa | Ft. Lauderdale, Florida

Thank you for attending the 2021 Independents Conference & Expo! Session recordings are now available to registered attendees – in-person and virtual – on the AFSA LIVE(stream) site.

Session recordings are now available to ALL registered attendees on the AFSA LIVE(stream) site.


The Independents Conference & Expo Live(stream) will be unlike AFSA’s prior COVID-era meetings. Instead of a stream of pre-produced sessions, digital attendees will have full, live access to the conference in Fort Lauderdale, gaining insights, engaging with speakers and networking with colleagues.


Every facet of AFSA Live(stream) has been developed to ensure that you get the key insights and expertise you expect from an AFSA conference. We’ve taken lessons from past virtual events and can’t wait for you to experience the enhanced program.

Every keynote and breakout session in Fort Lauderdale will be streamed for the digital audience, with added virtual features. Can’t make every session virtually? Catch the sessions you missed on-demand.

  • AFSA Live(stream) participants receive exclusive Q&A time with every keynote and breakout session speaker.
  • Enhanced chat features will allow for networking with in-person attendees via our streaming platform or our AFSA Event Mobile App.

Register for the AFSA LIVE(stream) for just $399.

AFSA is pleased to announce that the 2021 Independents Conference & Expo will be held May 24 – 27, 2021 at the beautiful Marriott Harbor Beach in Ft. Lauderdale, Florida.

The conference runs from Monday, May 24 through Thursday, May 27. Committees, Boards and PAC events begin Monday, May 24. The Full Conference opens Tuesday, May 25.

Each day will feature fast-paced and informative keynotes sessions, engaging committee meetings, and engaging networking opportunities.

  • Explore  business strategies and insights industry leaders and colleagues.
  • Participate  in thought–provoking keynotes, panels and committee meetings.
  • Network  with attendees, on the beautiful beaches of Florida’s Gold Coast.

For a lot of us, the Independents Conference & Expo will be the first trip we’ve taken in a while, so AFSA is working to make it safe, with some added special events and fun activities! The Marriott has also worked hard to create a safe environment through it’s Commitment to Clean.

Featured Speakers

Conference Schedule

12:30 p.m. – 5:00 p.m. | AFSA Registration Center is Open


1:00 p.m. – 6:00 p.m. | Law Committee


3:00 p.m. – 4:00 p.m. | Independents Section Board


4:00 p.m. – 5:00 p.m. | Business Partner Board


6:00 p.m. – 9:00 p.m. | AFSAPAC Event
7:30 a.m. – 6:00 p.m. | AFSA Registration Center is Open


8:00 a.m. – 10:30 a.m. | Independent Auto Finance Executive Group Breakfast & Meeting

Breakfast sponsored by


9:00 a.m. – 10:00 a.m. | Leadership Development Program Steering Committee


10:00 a.m. – 11:00 a.m. | The EDGE Advisory Board


11:00 a.m. – 12:30 p.m. | AFSA Education Foundation Board Lunch & Meeting


11:15 a.m. – 3:45 p.m. | Law Committee

Lunch sponsored by


12:00 p.m. – 1:45 p.m. | AFSA Executive Committee Lunch & Meeting

Lunch sponsored by


2:00 p.m. – 3:30 p.m. | AFSA Board of Directors

Refreshments sponsored by


4:00 p.m. – 5:30 p.m. | Women’s Leadership Council

Refreshments sponsored by


6:00 p.m. – 7:00 p.m. | Welcome Reception with Exhibitors

Sponsored by

Welcome to Fort Lauderdale and the opening of the exhibit hall. Join your friends and colleagues and kick off the 2021 conference. Enjoy the Lounge Area provided by ANICO.

7:00 p.m. – 9:00 p.m. | Welcome Dinner & AFSAPAC Auction

We’ve missed you! Kick off your 2021 AFSA Independents Conference & Expo with a delicious dinner and action-packed auction to benefit the AFSAPAC.

8:00 a.m. – 9:00 a.m. | Spouse & Guest Beach Yoga

A great opportunity to meet up with old friends and meet new ones! The class is free for guests but pre-registration is required Meet at the Giant Yellow Chair by the Pool/Beach entrance at 7:50 a.m.


8:00 a.m. – 2:30 p.m. | AFSA Registration Center


8:00 a.m. – 10:00 a.m. | State Government Affairs Committee


8:30 a.m. – 10:30 a.m. | Breakfast with Exhibitors

Sponsored by

Good morning and welcome to the first full day of the conference – enjoy breakfast with our exhibitors.

9:30 a.m. – 10:30 a.m. | Committee Meetings
  • Independent Accounting Committee
  • Marketing & Communications Networking Group
  • Human Resources Networking Group


10:30 a.m. – 11:00 a.m. | Opening General Session: A Fireside Chat

Sponsored by

Join AFSA President & CEO Bill Himpler, Independents Section Chairman R.E. Everette and AFSA Chairman Tom Hudgins as they welcome everyone to the conference and discuss key issues facing the industry. 


11:00 a.m. – 11:45 a.m. | Keynote Address with Charlie Gasparino

Sponsored by 

Join us to hear a keynote address with one of the most storied reporters in the nation, Charlie Gasparino, Senior Correspondent with Fox Business News.


11:45 a.m. – 12:45 p.m. | Lunch with Exhibitors

Sponsored by

Take a break and grab some grub with our Business Partners in our Expo Hall.

12:45 p.m. – 1:30 p.m. | General Session: Capitol & State Briefing & AFSPAC Report

Sponsored by

AFSA Senior Vice Presidents Danielle Fagre Arlowe and Celia Winslow discuss the current state of play in Washington and around the nation. AFSAPAC Chair Dan Walters reports on the PAC’s activities.

1:30 p.m. – 1:45 p.m. | Break


1:45 p.m. – 2:30 p.m. | Concurrent Breakout Sessions
Rev Up Your Results with RSM Insights

Sponsored by

Join Joe Kaczmarek, CPA National Fintech Leader and Regional Specialty and Morris Marshburn, Partner, National Leader, Specialty Finance with RSM will present the results of its annual financial performance survey for AFSA Independents and other independently held finance companies across the United States. The results will include current trends for growth, funding, leverage, profitability, income, and expenses. RSM consultants can help you identify potential areas for improved profitability for your company based on the survey results.

Risk & Reward – Know Your Consumer

Sponsored by

This recovery will be different. Join George Shand, Senior Director, Scores & Analytics with FICO to learn what has changed and what to expect in “new” consumer. Get an update on financial inclusion, credit score trends throughout the pandemic and innovations in scoring.


2:30 p.m. – 5:30 p.m. | Fun in the Sun

Sponsored by

Kayaks, jet skis, paddle boards, volley ball and more! Join us on the beach for some fun in the sun! Look out for the ACI Worldwide Tent.

6:00 p.m. – 7:00 p.m. | Reception with Exhibitors

Join your friends and colleagues for happy hour in the Expo Hall.

7:30 a.m. – 9:00 a.m. | Operations Networking Group Breakfast & Meeting


8:00 a.m. – 1:00 p.m. | AFSA Registration Center


8:00 a.m. – 9:00 a.m. | Breakfast with Exhibitors

Sponsored by

Welcome back – start the morning right with breakfast and networking.

9:00 a.m. – 9:45 a.m. | Concurrent Breakout Sessions
CFPB Debt Collection Rule – Compliance Considerations

Sponsored by

Gain actionable insights with Carissa Robb, President & COO, Constant and Frank Veneziano, SVP and Senior Counsel, Robertson, Anschutz, Schneid, Crane & Partners, PLLC at this breakout for managing loans, vendors and regulatory expectations in 2021 that will keep you on the straight and narrow. As well, our experts will dissect the CFPB proposed rules and implications of the recent 11th Circuit Hunstein Decision.

Strategies for Responsible Business

Whether branded as “Environmental, Social & Governance” or “Social Responsibility,” business responsibility is no longer a “Fortune 500” concern or simply about “Climate Change.” Any industry that must account for risk or supply chain relationships, must plan to address a host of environmental and social issues that may affect not only reputations with consumers and business partners, but bottom lines. Steven Rochlin, CEO of Impact ROI is a pioneer in the ESG policy space, who shapes responsibility strategies for global financial institutions, manufacturers, and dozens of consumer-facing corporate clients, will provide a deep dive on how ESG regulations at the international, federal and state level could impact the consumer lending space, and how AFSA members can prepare for this coming wave.

10:00 a.m. – 10:45 a.m. | Concurrent Breakout Sessions
Building the New Normal: Considerations for Emergence from the Pandemic

Sponsored by


As lenders and consumers emerge from the pandemic, it is clear that predicting the attributes of the “new normal” is difficult.  Consumer demand, credit characteristics, and economic conditions have all been profoundly affected, and regulators and legislators have also developed new priorities and expectations for financial institutions. Clint Ivester, VP, Sales, Experian; Lee Gilley, Partner, Bradley, and; Jonathan Kolodziej, Partner, Bradley will share their observations from the past year, as well as recommendations to help you achieve the best possible posture with respect to compliance and business readiness.

On Alert: Coping with Rapid Changes to Society, Politics, and Enforcement

Sponsored by

Economic and political change is occurring at a rapid pace. Join this session to learn how to respond to societal changes affecting federal and state legislatures and the new enforcement-based regulatory regime. Join Michael Grimes, Director of Congressional Affairs, AFSA, Bob Niemi, CMB Senior Advisory, Bradley and Frank Salinger, Esq., Founder, Public Policy Law Practice for this engaging conversation.

10:45 a.m. – 11:15 a.m. | Refreshment Break

Sponsored by

Just a quick break to stretch your legs and visit our exhibitors – this is your last chance so be sure to take advantage. 

11:15 a.m. – 12:00 p.m. | Insights on the CFPB Task Force on Consumer Credit

Sponsored by

In January of 2020, L. Jean Noonan, Partner with Hudson Cook was appointed to serve for one year as a member of the Consumer Financial Protection Bureau’s Taskforce on Federal Consumer Financial Law. She is also currently on the Governing Committee for the Conference on Consumer Finance Law. In this presentation, she will give attendees insights from both experiences.


12:00 p.m. – 1:00 p.m. | Champions Club Presentations & AFSAPAC Drawing

Sponsored by  

Hear from the AFSA Education Foundation and recognize your colleagues during the Outstanding Employee and Outstanding Independents Awards. Then, stick around to be inspired by three-time All-American wrestler Anthony Robles. Robles won the 2010-11 NCAA wrestling championship in the 125-pound weight class despite being born with only one leg, was a recipient of ESPN’s Jimmy V Perseverance Award and is the subject of an upcoming film about his life.

1:00 p.m. – 2:30 p.m. | Champions Club Outdoor Networking Luncheon

Sponsored by  

Enjoy some time with your friends and colleagues in the beautiful Gold Coast sun.

2:30 p.m. – 5:30 p.m. | Fun in the Sun

Sponsored by

Join us back on the beach for some relaxation and fun.

6:00 p.m. – 7:30 p.m. | Closing Reception

Join us outside for drinks and conversation as the Florida sun sets.

Hotel / Travel

Marriott Harbor Beach Resort & Spa
3030 Holiday Dr.
Fort Lauderdale, FL 33316



Diamond Sponsors

Platinum Sponsors

Gold Sponsors

Silver Sponsors

Bronze Sponsors

Expo Hall

AFSA Pulse
Booth #7

Location: Addison, TX
Contact: George Halloran | Director
Phone: (313) 213-0399

The exclusive AFSA-member-driven online Benchmarking platform providing continuous, secure, anonymous insights into sales and marketing; portfolio performance and credit risk; as well as accurate industry information for members to inform legislators, regulators and the media.


Allied Business Systems, LLC
Booth #22

Location: Macon, GA
Contact: Miranda Price | Director, Business Development
Phone: (478) 461-0863

Allied Business Systems (ABS) offers loan origination and loan management software with the options and customizability to meet the needs of virtually any type of business.

Allied Solutions / Securian Financial Group, Inc.
Booth #9

Location: Carmel, IN
Contact: Suzi Straffon | Director, Finance Company Markets | Sales Development
Phone: (313) 410-6523

There is power in partnership. Allied Solutions and Securian Financial partner to provide relevant, compliant solutions for consumer and auto finance companies.

Booth #10

Location: Bollingbrook, IL
Contact: Greg Hamby | Sr. Director, Business Development
Phone: (601) 898-8714

Amsive is a full-service data-centric, omnichannel, marketing services agency.

AUL Corp
Booth #8

Location: Napa, CA
Contact: Bryan Nieves | Vice President, National Accounts
Phone: (800) 826-3207

AUL Corp. offers a full suite of industry leading F&I products. AUL’s mission is to be the premier F&I provider in America by any quantifiable measurement of business activity.

Card Payment Solutions
Booth #27

Location: Florance, NC
Contact: Jerry Marullo | Director, Regional Sales
Phone: (864) 420-3095

Card Payment Solutions is an ISO providing merchant processing for anyone who needs to accept credit/debit cards and we specialize in eliminating the fees.

CDYNE Corporation
Booth #21

Location: Chesapeake, VA
Contact: Greg Corbett | Senior, Vice President
Phone: (757) 774-2074

SMS (Text) Platform for financial services, reminders etc.

Crypton Mobile
Booth #11

Location: Augusta, GA
Contact: Woody Kaminer | Business Development
Phone: (706) 945-4611


Element Fleet Management Remarketing Services
Booth #20

Location: Hoffman Estates, IL
Contact: Jay Watson | Vice President, Sales
Phone: (248) 904-9468

Remarketing repossessed vehicles can be a complicated and time-consuming process. With Element Advantage, the entire process is designed to obtain higher returns and shorten cycle time.

Booth #24

Location: Jacksonville, FL
Contact: Ric Webster | Vice President, Credit Protection
Phone: (270) 331-7022

From traditional credit protection insurance to innovative, lender-placed programs, our suite of products safeguard you and your customers from unexpected circumstances. Products include: Credit Life, Credit Disability, Credit Involuntary Unemployment, Credit Property & Auto, Accidental Death & Dismemberment, Motor Club, and Non-recording / Non-file.

GOLDPoint Systems
Booth #4

Location: Provo, UT
Contact: Glen Twede | Vice President”
Phone: (801) 361-9258

Lending software for direct and indirect lenders that covers the entire spectrum of the lending process—loan origination, loan servicing, accounting.

GoldStar by Spireon
Booth #26

Location: Irvine, CA
Contact: Lou Kailer | Sr. Strategic Business Account Executive
Phone: (800) 557-1449

GoldStar Enterprise by Spireon is the #1 Trusted GPS Provider, empowering auto-lenders, credit unions, and large multi-branch dealers with real-time business intelligence to grow their portfolios with confidence while decreasing delinquencies and repossessions. Designed with proactive alerts and payment reminders, reference verifications, and tools for quick recovery recourse rolled into one easy-to-use dashboard, GoldStar Enterprise delivers insightful analytics to help lenders extend more auto loans to credit-challenged borrowers, keep borrowers on track with payments, reduce defaults, and manage their auto loan portfolio and assets.

IM Group Marketing
Booth #29

Location: West Deptford, NJ
Contact: Seth Manley | Director, Business Development
Phone: (843) 408-5777

IM Group Marketing is a direct marketing agency dedicated to the financial services industry, offering a wide range of marketing, information management, and production solutions.

Booth #30

Location: New York, NY
Contact: Jack Levant | Vice President
Phone: (972) 54-6493641

Lightico digitally transforms the connections between businesses and their customers by enabling them to instantly collect customer documents, eSignatures, payments, and verify ID in real-time, straight from customers cell phones.

LoanPaymentPro, LLC
Booth #31

Location: Bloomingdale, IL
Contact: Michael Perkins | Senior Vice President, Channel Partnerships
Phone: (888) 391-5901 Ext 107

LoanPaymentPro is a leading provider of innovative and technology-driven payment and funding solutions in the consumer finance and debt repayment space. We focus on debit card acquiring, real-time Push-to-Card Instant Funding through Visa Direct and Mastercard OTC Send, ACH, and Bankcard Validation products.

Megasys, Inc.
Booth #14

Location: Orange, CA
Contact: Diana Moreau | Manager, Sales
Phone: (800) 927-4490

Megasys is the leading provider of complete loan Originations & Servicing systems. Our total Omega system solution includes loan originations, loan servicing, collections, reporting, and document storage. Our integrated package is tied to our own sophisticated and user-friendly General Ledger and Accounts Payable systems.

NETSOL Technologies Americas, Inc.
Booth #5

Location: Calabasas, CA
Contact: Jim Freto | Vice President, Sales, North America
Phone: (412) 973-1478

NETSOL’s next-gen platform NFS Ascent includes Omni Point of Sale for all loan/lease origination, Contract Management System for managing the complete lifecycle of the contract and Wholesale Finance System for automating the entire lifecycle of wholesale finance. NETSOL are also pioneers in digital transformation for the industry (NFS Digital).

Booth #23

Location: Austin, TX
Contact: Ben Stites | Director, Business Development
Phone: (972) 408-7267

Prepaid and Debit card solutions that provide customers with real-time loan funding and account benefits.

Park National Bank
Booth #12

Location: Columbus, OH
Contact: Jack Arthur | Vice President
Phone: (740) 372-3013

Park National Bank provides revolving lines of credit to consumer finance companies from $5-40 million, with an ability to arrange larger facilities.

Booth #13

Location: Charlotte, NC
Contact: Doug Reynolds | Director, Regional Sales
Phone: (760) 445-2331

From captives to FI’s to servicers, Paymentus provides electronic customer bill payment and e-bill solutions specifically tailored to your needs. In addition to providing web, mobile, IVR and CSR payment options, Paymentus provides communication tools that allow you to influence your customers to pay sooner.

Booth #25

Location: Jacksonville, FL
Contact: Rob Mengarelli | Vice President, Sales
Phone: (240) 361-1609

PaymentVison empowers your business to accept auto finance payments online, over the phone, in-person, branded mobile app, and by text message.  Our payment processing solutions offers you the flexibility of accepting credit and debit cards, cash, check or ACH payments.

Quiktrak, Inc. – A Bureau Veritas Company
Booth #18

Location: Beaverton, OR
Contact: Greg Glowacz | Director, Business Development
Phone: (773) 251-2380

An end-to-end floorplan auditing solution. With 30+ years of experience in the industry, Quiktrak provides best-in-class mobile technology, risk mitigating analytics & dashboards, with extensive auditor footprints in North America & globally. Our services are tailored to lender’s needs to ensure exceptional customer experiences and mitigate risk.

Booth #19

Location: Atlanta, GA
Contact: Susan Perlmutter | Chief Revenue Officer
Phone: (817) 439-6215

REPAY is an electronic payments company that offers card and ACH processing, a consumer-facing mobile app, and online bill pay with web, text, and IVR capabilities.

Secure Title Administration
Booth #15

Location: Duluth, GA
Contact: Michael Samaan | Director, National Sales
Phone: (866) 742-1466

Secure Title Administration provides title administration services for both paper and ELT, allowing lenders to outsource time consuming tasks while maintaining transparent control of their titles. Our dedicated staff maintains process excellence throughout the title life while ensuring all regulatory and legislative requirements are met.

SecureClose, LLC
Booth #17

Location: Mesa, AZ
Contact: Ace Christian | CEO
Phone: (770) 856-0893

SecureClose is a technology provider that assists banks, lenders and finance companies in the automation and process of electronic chattel paper-(ECP). Our technology secures the creation and the secured assignment of ECP, in our compliant easy to use control environment.  Our digitized automated processes prevent fraud, fills compliance gaps and meets all required regulations with our transaction validation software.

Solutions by Text
Booth #2

Location: Dallas, TX
Contact: Starr Judd | Director of Business Development
Phone: (214) 716-2045

Solutions by Text (SBT) delivers critical information in an SMS format Worldwide. SBT developed proprietary software designated to adhere to regulations within the mobile phone industry.

State National Companies
Booth #16

Location: Bedford, TX
Contact: Mark Baltuska | Vice President, Finance Company Markets
Phone: (817) 727-7316

State National has specialized in insurance tracking for 46+ years. Our solutions minimize effort, maximize transparency, and reduce charge-offs—while delivering more in claim dollars.


Vergent LMS
Booth #6

Location: Ridgeland, MS
Contact: Heather Slyman | Vice President
Phone: (636) 498-1334

Vergent LMS offers the most comprehensive end-to-end, origination and servicing software on the market. Offer Any Loan, Any Time, Anywhere.