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MORE INFORMATION AND REGISTRATION | SPONSORSHIP OPPORTUNITIES
MARCH 6 - MARCH 7 - MARCH 8

*Updated 2/28/2023 - Subject to Change*

All sessions will take place on the 3rd floor of the Atlanta Hilton.

March 6th

4:00 PM - 6:45 PM
Registration
Room: 3rd Floor Foyer
 

5:00 PM - 6:45 PM
Welcome Reception 
Room: 3rd Floor Terrace

6:45 PM
Dedicated Time - Client dinners and entertainment

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 March 7th

7:30 AM - 4:00 PM
Registration
Room: 3rd Floor Foyer

8:00 AM - 9:00 AM
Breakfast
Room: 301-302

Breakfast Sponsored by:
 

8:00 AM - 9:00 AM
Newcomers Breakfast – By Invitation Only
Room: 308

9:00 AM - 10:00 AM
Welcome and Keynote Session 
Room: 303-305

The State of the Economy: Risks and Opportunities Ahead

Speaker: Dr. Sharon Brown-Hruska, Principal, Hruska Economics LLC
Dr Brown-Hruska has a PhD and MA in economics and a BA in economics and international studies from Virginia Polytechnic Institute. She is an Affiliated Consultant with NERA's Securities and Finance Practice and the White Collar, Investigations and Enforcement Practice. She is also the former Chief Economist for the Department of State (2019–2021), and served as Commissioner (2002–2006) and Acting Chairman (2004–2005) of the US Commodity Futures Trading Commission (CFTC).

10:00 AM - 10:20 AM
Networking Break

10:20 AM - 11:05 AM
Breakout Sessions: Choose One

Track 1: Is a perfect storm headed your customers' way? Learn how the present economic uncertainty could negatively impact consumers’ ability to stay afloat. (Retention)

When the student loan accommodation status is lifted, every age group will experience a jump in monthly debt commitment.  Credit utilization and Debt To Income levels are rising. A higher percentage of income is going to daily expenses, so there’s less available to pay off balances. Hourly income rates are not keeping pace with inflation, creating greater risks for lower-income consumers being unable to meet their financial obligations. What strategies can you employ to react to early warning signs and mitigate customer risk?

Learning Objectives:
  • Tom will review data driven insights and strategy recommendations for your company to limit losses by helping to
    • 1) identify customers who are likely to go into default and
    • 2) retain customers who are most likely to continue to be able to pay. 

Speaker: Tom Aliff (Equifax) - Risk Advisors Leader
Room: 309-310

Track 2: Credit audiences driving marketing success (Other)

T-Mobile partnered with TransUnion to build a Prescreen Prospect Database.  This database serves several purposes but one is to build audiences for direct marketing efforts.  T-Mobile wanted to present the same offer in store/online as they do when proactively marketing the same consumers.  The backbone of the database is TransUnion’s CreditVision data.  By leveraging CreditVision Data and Analytics, T-Mobile has built a flexible environment to respond to consumers appropriately and more importantly build targeted prescreen audiences for direct marketing efforts. This session will focus on partnering across the credit strategy team and marketing teams for top performance with customer audiences.  We will discuss key initiatives to serving clients and fully utilizing data across business units. The session will be a co-presentation, in a fire side chat method, on the benefits of this approach to drive educated and strategic efforts. 

Learning Objective:
  • This session will focus on partnering across the credit strategy team and marketing teams for top performance with customer audiences.  We will discuss key initiatives to serving clients and fully utilizing data across business units. The session will be a co-presentation, in a fire side chat method, on the benefits of this approach to drive educated and strategic efforts. 
Speakers: Julie Logan (Industry Executive - TransUnion); Puneet Gadi (Senior Manager, Credit Risk Management - T-Mobile)
Room: 311-312
  
Track 3: Doing Business with Gen Z (Engagement)

Learn what makes Gen Z tick in this interactive session that taps into a variety of S&P Global survey data sets. Explore topics such as Gen Z online buying behaviors, adoption of digital payments by platform and usage of cryptocurrency. We'll delve into how Gen Z currently stacks up against other generations as well as how attitudes and adoption rates have changed over time and where they may be headed in 2023 and beyond. In addition to buying behaviors, we'll also touch on some factors that make Gen Z unique including attitudes towards environmental issues, digital entertainment consumption and consumer electronics adoption.

Learning Objective:
  • Improved understanding of how to effectively engage and retain Gen Z consumers.
  • Understanding not just the behaviors and characteristics of Gen Z consumers today but also how they have shifted over time.
Speakers: Seth Shafer (S&P Global) - Senior Research Analyst
Room: 313-314

 

11:05 AM - 11:25 AM
Networking Break

11:25 AM - 12:10 PM
Breakout Sessions: Choose One

Track 1: Compliance Management Systems and Regulation F (Regulatory)
With the enactment of Reg F on November 30, 2021 came additional responsibilities for creditors, even those in the non-banking sector.  Creditor’s responsibilities for managing their third-party collection vendors has expanded to include providing additional data and monitoring for additional risks. In this session, David Schieszer and Linda Straub Jones, with their combined 60+ years of industry experience will discuss:  
•    A brief overview of the CFPB’s expectations relating to vendor management 
•    New items in Reg F that agencies must adhere to 
•    New items in Reg F that impact the transfer of data from creditor to agency 
•    Why merely sampling data for agency audits is no longer best practice.  Monitoring for violations is the expectation of the regulators.   
•    How a data-driven automated approach can help to find the needles in the haystacks of data from your vendors.  
 
Learning Objectives:
  • A better understanding of Regulation F and what is required for creditors
  • How using data can help you comply with Reg F requirements
Speakers: David Schiezer, SVP Business Development & Linda Straub Jones, Sr. Account Exec (NeuAnalytics)
Room: 309-310
 
Track 2: Fraud: A Balancing Act (Activation)
The percentage of transactions carried out online or in apps has skyrocketed in recent years. As payments, and additional financial services are embedded into the customer journey, the responsibility for securing digital identity and mitigating fraud becomes of increasing importance. For the telecom industry, we are also seeing today’s fraudsters using more sophisticated schemes involving synthetic identity (ID) fraud to exploit stolen products, services, and money for maximum value. What authentication measures are needed to prevent rising fraud and meet evolving regulations? To what extent should customer experience be sacrificed for greater security?  Join us in this interactive session where we explore the challenges pervasive across the telecom industry, business and consumer trends as described in our recently released Global Identity and Fraud Report, along with emerging capabilities and approaches for identity and fraud management.
 
Learning Objectives:
  • Give actionable insights on how to protect your organization with next generation fraud tools and learnings on best practices
  • Deliver in-depth analysis on Global Identity and Fraud Report

Speakers: Gasan Awad (Experian) - Product Management VP
Room: 311-312

Track 3: The Resolution Funnel: Driving Engagement for Repayment (Engagement)
Consumer behavior is changing and it's changing fast. If you’re not focused on customers’ needs and wants and how to keep them engaged throughout their repayment process, you risk less revenue and unhappy customers. In this session, we’ll share insights on guiding customers through each phase of the resolution funnel and how the right plan will help drive more revenue to the bottom line and higher rates of customer satisfaction.
 
Learning Objectives:
  • What it means when consumers are in the "consideration" phase and how that impacts your bottom line
  • How to create personalized, engaging content that resonates and drives customers to commitment

Speakers: Shannon Brown (TrueAccord) - Director, User Experience
Room: 313-314

12:10 PM - 1:30 PM
Lunch
Room: 301-302

1:30 PM - 2:30 PM
General Session

Economic and Credit Trends
The current economic volatility around employment, elevated inflation, reductions to savings and increasing interest rates have both businesses and consumers uncertain. All these headwinds require you to know how to react to your customer’s financial stress. In this session, our experts will walk through the macro and microeconomic landscape, core credit data and reveal signals to help you navigate a turbulent economic period with collections strategies used to maximize recoveries in these constantly changing times to get ahead of delinquent customers.

Learning Objectives:
  • Explore macroeconomic landscape & how it impacts consumers/businesses in the telecom industry.
  • Why does this matter for telco: inflationary concerns impact consumers ability to pay for services, therefore potentially impacting the increase in delinquencies/no-pay, thus requiring collections services     

Speaker: Brodie Oldham (Experian) - VP, Commercial Data Science & Analytical Consulting
Room: 303-305

2:30 PM- 2:40 PM Networking Break

2:40 PM - 3:35 PM
General Session

Panel Discussion featuring the three credit bureaus hosted by Maureen Whelan (US Cellular). Hot Topics and how we are addressing them as an industry.
The three bureaus partner together on the TRMA BAAB and in day-to-day events for the voting members. This session will address industry topics being addressed together and as individual bureaus to bring the best practices to the forefront for clients. The topics include: 

  • Delivering accuracy to the industry without SSN;
  • PII and how to tackle it within the CFPB push for positive only reporting;
  • ACP;
  • And more.

The attendees will also have a chance to ask questions and will see how we are working together to ensure the TRMA/industry is benefiting from our thought leadership together and as individual companies.    
 

Speakers: Tom Aliff (Risk Advisors Leader - Equifax); Zachary Alrvarez (Vice President, Business Development - TransUnion); Beth Bayer (VP - Experian); and Maureen Whelan (Senior Manager - US Cellular)
Room: 303-305

3:35 PM - 4:45 PM
Charity Event: Adopt a Family at Ronald McDonald House Charities

The Adopt-A-Family program subsidizes a family’s stay, allowing us to serve and support as many families as possible.
TRMA members will send notes of support to the families and help raise money to adopt a family for the duration of the conference. Contributions of $150 will Adopt-A-Family for one night. 

Room: 303-305


6:00 PM to 8:00 Offsite Reception

1000 Marietta St NW Suite 250, Atlanta

Enjoy an array of classic social games like duckpin bowling, skeeball, & bocce ball. Plus, arcade games, full-service bar, & beer wall. Board shuttle at Hilton Atlanta, just outside the main entrance of the hotel, at 5:15pm. 

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March 8

8:00 am – 12:00 noon
Registration
Room: 3rd Floor Foyer

8:00 AM - 9:00 AM
Breakfast
Room: 301-302

9:00 AM - 10:20 AM

Welcome and Speed Dating Networking Event
Our popular networking event returns! Business Affiliate and Voting Member attendees will have have the opportunities for short meetings about the topics and solutions you care most about, designed to inspire follow-up and forward momentum.

Room: 303-305

10:20 AM - 10:40 AM
Break
 
10:40 AM - 11:25 AM
Breakout Sessions: Choose One

Track 1: Account Management Success Stories (Retention)
As telecom companies start to look more like banks, and with the forces of work in the macroeconomic environment putting more stress on the consumer, how can we apply account management best practices used in the financial services industry to support continued growth in telecom?  This session is intended to provide insights and illustrations into how a major financial services company is currently managing their customer portfolio in today’s environment and what could be applied in the telecommunications industry. 

Learning Objectives:
  • Best practice sharing
  • Knowledge sharing of techniques used in other industries 

Speaker: Todd Hoover (SVP Marketing - Equifax); Rupesh Patel (Deluxe)
Room: 309-310

Track 2: Digital fraud prevention and CX: The tightrope you don’t have to (Activation)

Over the past two years, leading telcos and their customers have embraced mobile apps, messaging, and the web as viable channels for sales and customer service. But the fraud landscape has also evolved, and fraudsters are now targeting these channels as a place to conduct scalable operations and employ new tactics. Doubling down on traditional security measures such as KBA and one-time-passcodes makes every engagement less convenient for customers and often still fails to prevent fraud. But you don’t have to trade security for experience. Learn how your organization can stop sophisticated fraudsters with modern detection capabilities powered by voice and conversational biometrics, while making security fast and easy for legitimate customers. See real-world proof points and explore strategies for capitalizing on seamless biometric authentication and intelligent fraud detection.

Learning Objectives:
  • Learn how your organization can stop sophisticated fraudsters with modern detection capabilities.
  • Strategies for capitalizing on seamless biometric authentication and intelligent fraud detection.
Speaker: Tim Savage (Nuance)
Room: 311-312
 
Track 3: Consumer Health in the Contradiction Economy (General Topics)

The Economy is sending mixed signals. Consumers are facing an increasingly challenging environment. Inflation has cooled recently but remains high, prompting the Federal Reserve to continue raising interest rates. The impact of rising prices has forced some consumers to drain the excess savings built up during the pandemic in order to maintain their daily lives. However, despite the economic headwinds, consumers continue to spend with many seeking out new credit. Demand for new credit cards and personal loans remains robust and with mortgage rates climbing, homeowners are increasingly turning to Home Equity credit products to tap into the value of their homes. While the strong job market appears to be holding up consumer confidence, signs of weakness are also emerging. Should the economy continue to slow and unemployment begin to rise, consumers could have a much harder time meeting their financial obligations. TransUnion is uniquely positioned to identify consumers who are at the greatest risk of missing payments. With both a short and long term view of consumer credit trends, we aim to identify which consumers are most at risk of non-payment on credit products as well as potential early warning signs that consumers may be likely to miss payments on their mobile, internet and utilities bills.

Learning Objectives:
  • In this session, we aim to help the audience better understand:
    • Early warning signs for how to identify consumers that are most at risk due to the dual pressures of inflation and rising interest rates
    • How inflation and rising debt servicing costs impact the payment hierarchy.
    • Traditionally, mobile, internet and utility bill have been in a strong payment position; however, we aim to show how changing economic conditions may be challenging that view
Speaker: Zachary Alvarez (TransUnion) - Vice President - Business Development
Room: 313-314

11:25 AM - 11:40 AM
Break

11:40 AM – 12:25 PM
Member Meeting
Room: 303-305

12:25 PM - 1:25 PM
Lunch
Room: 301-302

1:25 PM - 2:25 PM
General Session and Closing

Device Proofing: Traditional Identity Proofing Not Enough to Protect Customers or Your Brand (Other) 
In a highly competitive market, it is now more important than ever to have a compelling customer conversion strategy that is streamlined and secure – protecting both your good customers and your brand. In this session we’ll explore device proofing strategies to strengthen identity proofing while bettering the customer experience and stopping fraudulent interactions before accounts and purchases are made.    Learn how forward-thinking organizations identify legitimate consumers and provide them the straightforward user experience they crave, while also confidently minimizing risk.

In this session, you’ll learn about four prongs that drive powerful identity and device proofing:  

  • Robust, global datasets: confidently verify consumer identities using credit, alternative, transactional, device, and CRM data
  • Device recognition: identify previously seen devices and evaluate their history, relationships, and associated user behavior 
  • Device-to-identity insights: link device usage to a specific identity and capture first-time seen devices 
  • Behavioral analytics: separate fraud rings (or bots) from normal consumers by evaluating how the user is interacting with the device 

Attendees will come away with a deeper understanding of the power behind layered fraud prevention solutions (identity proofing + device proofing), and how to employ these solutions effectively.

Speaker: Carlos Sanchez (TransUnion) - Senior Advisor, Global Fraud Solutions
Room: 303-305