The 2012 North American Repossessors Summit™ will be informative and exciting as we have gathered professionals from inside and outside the collateral recovery industry to address and improve the industry’s challenges and complexities. This year’s planning committee has put together a group of speakers and panelists with insight into the future of the recovery industry.

	Alison Aerts Alison Aerts is the Vendor Manager for Chase Auto Finance, based out of Phoenix, Arizona. She has worked for Chase for over 12 years and has been in Auto Finance since October, 2007. She graduated from the W.P. Carey School of Business at Arizona State University with a bachelor’s degree in Finance and a minor in Communication. Alison’s focus since accepting the Vendor Management role has been to strengthen the relationship with Chase’s recovery vendors in order to identify areas of opportunity to mitigate risk, while improving overall recovery success. She sees these conferences as a great opportunity to maintain the open lines of communication among recovery vendors and lenders in order to share challenges, ideas, and best practices.
	Bill Walters Bill Walters is Vice President of Remarketing for Westlake Financial Services, a California-based consumer lending company. He has more than 20 years of financial and operational experience, and has managed remarketing for the last 10 years. Bill has previous experience with Marine Midland Auto Finance, Security Pacific Auto Finance, and Coast to Coast Financial Corp. He holds an MBA from the University of Rochester.
	Jack Tracey, CAE Jack Tracey is a Certified Association Executive (CAE) and the President of Automotive Association Services, an association management company that specializes in consumer finance and automotive association management. Jack assisted in the founding of the National Automotive Finance Association (NAF Association) in 1996 and has served as its Executive Director since inception. The NAF Association is a trade association of 125 finance companies and related businesses that serve the non-prime auto financing market. He assisted in the founding of the National Association of Dealer Counsel (NADC) in 2004. NADC is a national professional organization formed by lawyers who are counsel to automotive dealerships. The organization has 500 members. In May, 2008, Jack formed the Payment Assurance Technology Association (PATA), an organization founded to represent the automotive GPS tracking and starter interrupt industry. PATA membership has grown to over twenty companies. In February, 2010, he was appointed Executive Director of the National Vehicle Leasing Association. The association represents independent fleet and consumer leasing companies and has a membership of 125 companies. In November, 2010, he formed the Community Auto Finance Association. The association represents Buy Here / Pay Here dealerships and advocates for this industry with federal regulators. In January 2012, Association Management Services was retained to manage the Maryland & Delaware Independent Automobile Dealers Association. Jack holds the position of Executive Director. Jack possesses over 35 years experience in the consumer finance industry with particular emphasis in auto financing. He provides business management services to Hudson Cook, LLP, a law firm specializing in consumer financial services. He has previously been employed in management capacities at Wells Fargo, PNC Bank and Maryland National Bank.
	Kenneth B. Shilson Kenneth B. Shilson, CPA, is President of Subprime Analytics, a consulting company which provides subprime portfolio analysis services and custom credit scoring solutions (Profit Max). The firm also provides due diligence services for banks and financial institutions that provide capital to the subprime auto industry. Subprime Analytics utilizes state-of-the-art data mining and extraction technology in order to identify loss trends and areas for underwriting improvement. Ken has helped pioneer an IRS approved tax strategy for “Buy Here / Pay Here” dealers regarding the use of a related finance company. He is a member of the A.I.C.P.A., the T.S.C.P.A., and the litigation services committee of the Houston Chapter of the T.S.C.P.A. Ken is a graduate of Miami University, Oxford, Ohio, a member of N.I.A.D.A, H.I.A.D.A, T.I.A.D.A., and the founder of the National Alliance of Buy Here, Pay Here Dealers (NABD).
	Heather Marshall Heather Marshall is Vice President of Servicing for Citifinancial Remarketing and Recovery Services. She has been with Citi for more than 14 years, with 12 of those years in the Remarketing Department of Citifinancial Auto. Marshall joined the Remarketing department to start up the Liaison Group where she was instrumental in creating a new philosophy within the Citifinancial Auto business that focused on mitigating risk by centralizing repossessions. In 2005, Marshall implemented a similar repossession process for more than 2,000 Citifinancial Branch Network locations. This has served as a “Best Practice” example within Citi.
	Nagi Palle Nagi Palle, Ph.D, is Senior Vice President of Product Management with overall responsibility for the company’s products and services offered on OPENLANE’s online marketplaces. In addition to his product management responsibilities, Mr. Palle is also responsible for OPENLANE Analytics Services, assisting customers to define online remarketing metrics, optimizing channel performance and market pricing, as well as driving internal analytics for OPENLANE's full-service online marketplace. Prior to joining OPENLANE, Dr. Palle was an Executive Partner in Accenture's supply chain and automotive practices, where he was responsible for leading global transformation programs for OEMs and suppliers worldwide. Prior to that, he served as a principal at A.T. Kearney, overseeing the launch of its Mumbai (India) office in 2004. Dr. Palle was also the former Finance and Strategy director at iMotors, a value-added reseller of pre-owned vehicles, where he was responsible for used car pricing and economics, financial modeling and operations, as well as the strategies for the company's B-to-B and B-to-C businesses. He has also held management and technical positions at Visteon Corporation and Ford Motor Company. Dr. Palle holds an M.B.A. from the University of Michigan at Ann Arbor and a Ph.D. in Mechanical Engineering from the University of Illinois Champaign-Urbana. In addition, he holds a Master's of Science degree in Applied Mechanics from the Colorado School of Mines in Golden, Colorado, and a Bachelor's of Technology degree from the Indian Institute of Technology, Madras, India.
	Patrick Altes J. Patrick Altes has been a Florida State-licensed private investigator for over 30 years, and has been largely involved in the automobile recovery industry since 1973. He is considered one of the few International recovery specialists, and has supervised over 1,000 auto recovery accounts outside the United States, including recovery accounts in Mexico, The Netherlands, Iceland, Italy, Australia, Korea, former Czech Republic, Panama, Guam, Samoa, Scotland, the Philippines, and elsewhere. His clients include most of America's largest auto-lending creditors. As a private investigator, he works for several national and international entities, as well as having provided investigative and research assistance for CBS TV's "48 Hours". J. Patrick Altes is the owner of Falcon International, one of the nation’s oldest and largest independantly-owned repossession agencies. He also works with Time Finance Adjusters, one of the three major trade associations for the repossession industry. He has been featured on The Discovery Channel, USA Today, Fox Business News TV, MSNBC News, SubPrime News, Automotive News, the Daytona Beach News Journal, Collection Advisor Magazine, the American Spectator, Professional Repossessor Magazine, and many others.
	David Kennedy Dave Kennedy is the CEO of First Credit Resources, Inc., Pennsylvania’s largest recovery and collections company. First Credit Resources has three offices in Pennsylvania (Johnstown, Pittsburg and Erie) and has been in business for 20 years. His company also provides consulting services for the credit union industry and distressed municipalities. Prior to founding First Credit Resources, Dave was Vice President of Consumer Lending in a large regional bank in Western Pennsylvania. Dave is a member of the American Recovery Association, Time Finance Adjusters, American Collectors Association, and the local chamber of commerce. In addition, Dave has also taught classes at the American Institute of Banking in Pennsylvania and Delaware and Pennsylvania Highlands Community College. Dave is a graduate of the Central Atlantic School of Banking at Bucknell University. Dave resides in Johnstown, Pennsylvania with his wife of 35 years. They have 2 adult children.
	Mike Dougherty Mike Dougherty is the Managing Partner of the Philadelphia office practicing in Consumer Collections, with a focus on the Consumer Collections (General), Corporate & Financial Services, Credit Union, Healthcare, Collateral Recovery/Replevin, Student Loan, Subrogation, Litigation & Defense, Consumer Finance Litigation, Real Estate Default and Federal Court Litigation Groups. Mike earned his B.S. cum laude in Political Science and History from Blackburn College in 1990 and his J.D. from the Widener University School of Law in 1995. A member of the Pennsylvania Bar Association, Mike is licensed in the State Courts of Pennsylvania and admitted to practice before the U.S. District Court (Eastern District of Pennsylvania) and the U.S. Court of Appeals (Third Circuit). He is a member of the Delaware County Chamber of Commerce and the National Association of Subrogation Professionals. During the course of his career, Mike has been involved in cases dealing with motor vehicles (plaintiff and defense), employment discrimination, fraud, workers’ compensation, unemployment compensation, social security, unfair trade practices, products liability, premises liability, liquor liability and medical malpractice. He has settled three medical malpractice cases for over $1,000,000. He has also had experience working on criminal cases. Mike has had the opportunity to argue cases at municipal court, magistrate court, the Common Pleas court, on all three Pennsylvania appellative courts and the Federal Court of Appeals. He has published two articles in NASP Subrogator and volunteers for The Red Cross and Big Brothers of Philadelphia.
	Jennifer McDaniel Jennifer McDaniel is the owner of Premier Recovery Service, Inc. in Denver, Colorado. With two additional offices in Fort Collins and Grand Junction, McDaniel is responsible for the strategic and tactical direction of the entire company. McDaniel started working for Premier Recovery Service in 1996. In 2000, she partnered with the owner and bought the company in 2002. McDaniel is president of National Finance Adjusters (NFA) and has been very active in the association since 2005. She has served on the board in many roles including district II director, membership coverage and development chairman, membership and bond chairman and vice president. She has also been a member of the Rocky Mountain Repossessor Association since 1996 and served as president in 2004–2006.
	Steve Norwood Throughout his 29-year career, Steve Norwood has become an accomplished executive and manager of technical software and service sales organizations. He specializes in building successful companies while achieving aggressive revenue goals. For the last 17 years, Norwood has worked exclusively with early stage companies to not only define their market and target customers but also to solidify their sales process and pricing. He accomplishes this while building a sales team that maximizes revenue growth. In his current role as president and founder of Consolidated Asset Recovery Systems Inc. (CARS), founded in 2005, Norwood has built a successful software as a service (SaaS) company for lenders attempting to simplify the traditionally paper-based repossession and remarketing industries. Fueled by an extensive background in streamlining the procurement process for financial services and aerospace companies, Norwood founded CARS as a full-service Internet portal to manage the repossession and remarketing process electronically. Customers consist of both prime and subprime lenders who assign cases to more than 1,300 certified repossession and skip agents. Through CARS’ provided Web portal, lenders have access to real-time updates and tracking. This allows them to complete the process more efficiently, resulting in savings that range from 40 to 60 percent over the traditional paper-based process. Prior to founding Consolidated Asset Recovery Systems, Norwood held several vice president positions for the following companies: Riversand Technologies, specializing in product information management; eScout, building a team to deliver on-demand SRM solutions to the market; and Requisite Technology, recruiting and training a successful sales organization in catalog and content management for the e-commerce market. Norwood received his bachelor’s degree in business from Appalachian State University.
	Edward Marcum Ed completed his studies of Computer Science at American University in 1970. He has been affiliated with the repossession industry over 32 years as a recovery agency owner, his affiliation with IG., Inc and Recovery Specialist Insurance Group (RSIG). Before his entry into the industry, he worked in law enforcement and insurance investigations. Ed also serves as President of National Agency Management System (NAMS), a repossession assignment management platform owned by IG., Inc/RSIG. He is the founder and President of the Recovery Agents Benefit Fund (RABF), a Non-Profit corporation established to assist members of the recovery industry who have been seriously injured or killed while employed in the industry. His experience in the insurance field in addition to his 30+ years as the owner of a repossession agency and management of multiple repossession related businesses has given him the expertise required of his current position as Chief Executive Officer of IG., Inc./RSIG as its. Being a co-founder of IG, Ed takes his duties very seriously. His goals are to strengthen the image of the recovery industry, while maintaining IG/RSIG’s position as a leader in the industry. For over 20 year’s Ed has endeavored to educate and professionalize the industry and recently spearheaded the computerization of RSIG’s training and certification course, for the repossession industry by making it available on-line 24/7.
	George Badeen President of Midwest Auto Auction, Inc. & Allied Finance Adjusters Mr. Badeen has more than thirty years experience in the recovery industry. He started his career in 1979 as a Field Adjuster and has since worked in every facet of this industry. In 1983, he was promoted to the position of Supervisor of Repossessions and in 1985 was promoted to the position of Manager of the Repossession Department. In 1987 he was once again promoted to Vice President of Operations and was charged with the responsibility of overseeing both the Repossession and Auction Departments of the Corporation. While in this position he was able to craft several new procedures, which resulted in the Corporation being able to expand its client services without having to increase resources or cost. These enhancements resulted in a doubling in auction volume and sales, and significantly increased profits. In 1996, Mr. Badeen purchased the outstanding stock of the Corporation and became its sole Owner and President. Since that time he has introduced state of the art automation and high-tech electronics into the various departments and divisions, resulting in enhanced productivity and greater customer service, all the while reducing operating cost. He has also expanded its size by adding new divisions which have allowed the Corporation to provide a truly “one stop shop” for the recovery, storage and liquidation of all forms of repossessed collateral. Today, Midwest Auto Auction, Inc. not only includes Midwest Recovery and Adjustment and Midwest Auto Auction, but also Midwest Auction Sales LLC, George Badeen Properties LLC, and Detroit Auto Pawn LLC. He has also greatly expanded the operations of Midwest Recovery and Adjustment, by adding the Private Property Impound & Storage Department and by further adding, updating and increasing its capability to receive orders and repossess outstanding collateral for its clients. These changes have transformed Midwest Recovery and Adjustment into a formidable and efficient full service recovery agency. Mr. Badeen has earned numerous industry awards and served on various boards. He is currently the President of Allied Finance Adjusters.
	John Lewis John Lewis is the President of Find John Doe, a nationally recognized Skip Tracing company, and Intellaegis, a technology development firm that brings next generation collection, skip and recovery management workflow software solutions to First Party Lenders, Loan Servicers and the Larger Vendors who service the Auto Finance Industry. Between 1982 and 2002, John worked for Chrysler Financial as a Field Rep, Collector, Collections Manager, Branch Op’s Manager and his last position was as a Corporate Skip Tracing and Repossession Trainer. In 1988 he founded Skipbusters, then Crown Auto Recovery in 1990, River City Auto Recovery (3) in 1993, and ARS in 1994. He sold these companies in 1999, and after honoring a Five-Year non compete, John started Find John Doe as a way to identify, work and analyze the most difficult skip accounts, providing the foundation needed to build masterQueue. He then formed Intellaegis with a goal of building masterQueue to help lenders identify and manage risk more efficiently, and to improve collections results. masterQueue also helps lenders manage the repossession and skip tracing process more efficiently, internally and externally. John has been married for twenty-one years to his wife and business partner Perla, and they have two children and they live and work in El Dorado Hills, CA.
	Scott Jackson Scott is the architect in bringing Automated License Plate Recognition technology to the forefront of the Auto Finance Industry through MVTRAC’s patented technology. Through his securitization of key auto finance and law enforcement relationships along with over 22 years of management experience in this specialized marketplace, Scott has established MVTRAC as the industry leader in motor vehicle data and information networks, and the only true real-time ALPR recovery based neural network called The Intelligent Data Network™. During the early years of the company’s existence, Scott located fugitives for various government agencies that included the U.S. Customs, U.S. Marshals Office, FBI and the DEA. He worked on the case involving the 1993 World Trade Center bombing, locating an individual in Bolivia that led to his apprehension. After establishing relationships with various high profile executives within the Auto Finance Industry, Scott began locating and recovering expensive high-line collateral others failed to recover. Throughout the years Scott has defined MVTRAC as the clear leader in the Automotive Finance Industry; recovering more than $3.4 billion in assets for lenders worldwide; This tenure has made Scott a frequently sought after speaker and an expert resource in the recovery industry as well as the subject of several media pieces including the New York Times, Chicago Tribune, Vehicle Leasing Today. He's been on the cover and the subject of an article in the April\May issue of Collection Advisor Magazine and most recently, Scott was in the January\February 2012 edition of Collection Advisor Magazine as one of the "Top 25 Most Influential Collection Professionals"
	Michael T. Goins Michael holds the position of Head of Deficiency Recovery, U.S. for TD Auto Finance and is based in Jacksonville, FL. Mr. Goins is responsible for all loss recovery and severely delinquent collection strategies inclusive of collection agency management, litigation, debt sales, severely delinquent (91+dpd), skip, repossession, repossession operations, and redemption activity. Mr. Goins has been with TD Auto Finance since 1998. Prior to joining TD Auto Finance he was Vice President of Recovery for Barnett Banks, Inc. – Florida, and started his finance and collections career with CIT Group in 1987. He has held industry advisory board positions and has spoken at various national conferences on topics including Loss Recovery, Debt Sales and Repossession Management. Mr. Goins holds a BS in Business Administration from Jacksonville University.
	Kyle Kolsky Kyle is the VP of Marketing and Brand Management for the consumer channel at LEAP Auto Loans. Kolsky’s experience spans management and leadership roles at HSBC Auto Finance, College Loan Corporation, Gateway, Pepsi and Deloitte & Touche. At HSBC, he was Senior Product Manager in Product Marketing and Strategy, leading the channel development of the prime and near prime auto program, which added over $1 billion in originations annually. More recently, he served as an industry consultant in auto finance, working with well-known auto finance industry companies to improve their profitability through better pricing strategies. Kolsky has an MBA in Finance from Loyola Marymount University and an undergraduate degree in Economics from Washington State University.