Credit Expert Witnesses

This expert is a retired manager from the investor owned gas and electric utility Wisconsin Public Service Corporation. His 25 year career included key management positions in customer service, credit and collections, revenue cycle services, field operations and project management associated with the installation of an industry leading automated metering system. Prior to joining Wisconsin Public Service, this expert worked in the banking industry as a branch manager and corporate consumer loan officer. The first 7 years of his initial professional career was spent as a teacher of social studies, history and physical education, as well as a football coach. He received his B.A. and teaching certification from St. Norbert College in De Pere, Wisconsin. He also served in various key leadership roles for both industry and community organizations.This expert has over 30 years in key leadership and managerial positions and over 25 years experience with a large investor owned gas and electric utility. He has over 10 years experience teaching and coaching and has provided expert analysis and testimony. He has assited in the successful design and implementation of an industry leading smart metering system, the successful design, training and implementation of a companywide process improvement effort, the successful redesign of Collection Services Department leading to reduced expenses, and the successful redesign of the Revenue Services Department. He ahs provided expert witness services to law firms.

This highly qualified expert has over 25 years of experience in business, international, consumer credit, underwriting, and collections. He received his BBA in accounting from the University of Hawaii and is a certified consumer credit executive (CCCE) by the Society of Certified Credit Executives. He started his career off at American Express as a manager and team leader for credit review and collections call centers. In this role, he led a 20 member call center team and was responsible for a $336 million consumer and commercial credit portfolio. He continued on to serve in a variety of leadership roles in credit and collections. He currently serves as Global Credit and Collections manager for an international audio manufacturing company, where he leads the US and UK AR/credit team responsible for AR, credit, collections, credit hold queue, financial analysis, DSO control and loss prevention. He is a member of the executive credit team and the lead negotiator on global collections and international credit sales.

This highly-qualified expert has extensive experience with consumer credit, credit cards, travel and loyalty programs, FCBA, SCRA, and the CARD Act of 2009. He earned his BA in history from the University of Delaware and worked as a computer systems administrator for companies like IBM, Boeing, the US Geological Survey, and the Colorado State Legislature before transitioning to the realm of consumer credit. This expert is a freelance writer for several personal finance and travel websites, with his work frequently syndicated to mainstream finance media outlets. Currently, he is the president of a business management consultancy in Colorado, as well as the founder and producer of a credit and credit card media conference.

This highly-qualified business executive has almost 30 years of leadership experience in credit card product development and management, as well as marketing and finance. He earned his BS in finance and accounting from Boston University and his MBA with a focus on marketing and management from Iona College. Formerly, he held positions as a senior vice president of partnership marketing and product development at Bank of America Card Services, the vice president of cobranding business and product development at Alliance Data Retail Services, and the senior vice president and director of retail and commercial card services at Huntington Bank. He is currently the managing partner at a strategy and advisory firm located in New York City.

This well-credentialed expert has over 40 years of experience in the evaluation of credit risk and credit-related functions. He served 33 years as a bank regulator at the Comptroller of the Currency, as a contractor from 2013-2018, and a bank and credit union credit consultant. He has extensive experience in community banks and credit unions, mid-sized banks, and considerable experience in the largest banks in the country. Currently, he is a private bank and credit union consultant in Pennsylvania.

This highly qualified expert has nearly 30 years of experience in the consumer credit industry, specializing in consumer credit reporting, credit scoring, FCRA, FDCPA, credit damages, Metro-2, and ACDV and AUD forms. He obtained his BS in criminal justice from the University of West Georgia and is currently pursuing his MS in criminal justice and administration at Penn State University. Today, this expert is also certified by the Consumer Data Industry Association. He previously served as an account manager at Equifax, as the manager of global credit bureau products at Fair Isaac, as an invited credit blogger for the New York Times, and as the president of consumer education at Credit.com and SmartCredit.com. More recently, he also worked as a contributor for CNBC's "On the Money" program, for the National Foundation for Credit Counseling, and for FOX Business Networks' "The Willis Report," as well as a credit contributor for Mint.com and DisputeSuite.com. This expert is currently the co-founder of a credit industry think-tank, a credit contributor at a consumer credit reporting agency, and the owner of an FCRA, FDCPA, credit, and credit damage consultancy in Georgia.