May 20-23, 2024


Fort Lauderdale Marriott Harbor Beach Resort & Spa

Ft. Lauderdale, Florida

Registration Rates
AFSA Member $1,760
AFSA Non-Member $2,760
First Time Attendee (Members Only) $850
Committee/Board Member $1,430
Outstanding Employee $850
Spouse $850

Join AFSA’s independent members for a content-rich experience, engaging in strategic, thought-provoking discussions on issues affecting the industry.

AFSA is pleased to announce that the 2024 Independents Conference & Expo will be held May 20-23 at the beautiful Marriott Harbor Beach in Fort Lauderdale. Each day will feature fast-paced and informative keynotes sessions, thoughtful committee meetings, and engaging networking opportunities.

Explore  business strategies and insights from industry leaders and colleagues.

Participate  in thought-provoking keynotes, panels and committee meetings.

Network with attendees along the beautiful Florida coast.

Featured Speakers

Conference Keynote

Lt. Col. (ret.) Scott Mann

Lt. Col. (ret.) Scott Mann

High-Impact Leadership Expert; Retired Green Beret

Mann draws from his years in Special Forces operating in complex, low trust environments, learning to master interpersonal connection skills and the Human Operating System. He also learned how to create movements that changed the dynamics in no fail engagements around the world. What works in Life and Death works even better in Life and Business.

Now, Scott is sharing his hard-earned insights to help leaders connect to their customers and teams, by imparting a deep knowledge of the Human Operating System. He shares the tools your people need to navigate the churn of distraction and disengagement in these turbulent times. Nobody is Coming, it’s up to us to step in and lead. Please join Scott for this riveting discussion. 


Champions Club

Kenny Smith

Two-Time NBA Champion; Award-Winning Broadcaster

Known throughout his basketball career by the nickname “The Jet,” Kenny Smith today co-hosts the top-rated “Inside The NBA,” alongside Charles Barkley, Ernie Johnson and Shaquille O’Neal, and is recognized as one of the top basketball analysts in the industry.  

Prior to his media career, Smith had a decade-long playing career in the NBA, winning two World Championships with the Houston Rockets, following a stellar playing career under legendary Hall of Fame coach Dean Smith at the University of North Carolina.


*subject to change*

Monday, May 20
8:00 a.m. – 6:30 p.m. Registration Center Caribbean Lobby
8:30 a.m. – 5:00 p.m. Law Committee (by invitation)
Sponsored by
Caribbean Ballroom 1-4
1:00 p.m. – 5:00 p.m. Operations & Regulatory Compliance Committee Caribbean Ballroom 6-8
3:00 p.m. – 4:00 p.m. Independents Board Meeting (by invitation) Grand D
4:00 p.m. – 5:00 p.m. AFSAEF Development & Marketing Committee Jacksonville
5:30 p.m. – 7:30 p.m. Law Committee Dinner (by invitation)
Sponsored by
5:30 p.m. – 6:30 p.m. SGA & ORCC Joint Reception
Sponsored by
Caribbean Ballroom Foyer
6:30 p.m. – 9:00 p.m. AFSAPAC Event
Sponsored by
Ocean Ballroom


Tuesday, May 21
7:30 a.m. – 5:30 p.m. Registration Center Caribbean Lobby
8:00 a.m. – 10:00 a.m. State Government Affairs Committee
Ocean 3/4
8:00 a.m.- 11:00 a.m. Independents Auto Finance Executives Breakfast/Meeting (by invitation)
Sponsored by
3030 Ocean Restaurant/Ocean 1
8:30 a.m. – 9:30 a.m. Leadership Development Program Steering Committee Ocean 2
9:30 a.m. – 10:30 a.m. EDGE Advisory Board Ocean 2
9:30 a.m. – 11:00 a.m. HR Networking Group
Sponsored by
Grand D
10:15 a.m. – 1:00 p.m. Law Committee (by invitation)
Sponsored by
Ocean 3/4
10:30 a.m. – 12:30 p.m. AFSAEF Board Meeting/Lunch Ocean 2
12:30 p.m. – 2:00 p.m. Executive Committee Meeting/Lunch (by invitation) Ocean 1
1:00 p.m. – 2:30 p.m. Ancillary Product Working Group
Sponsored by
Grand D
1:30 p.m. – 2:30 p.m. Business Partner Board Ocean 2
2:30 p.m. – 4:00 p.m. AFSA Board of Directors
Sponsored by
Ocean 3/4
4:00 p.m. – 5:30 p.m. Women’s Leadership Council
Refreshments Sponsored by
Ocean 1
5:30 p.m. – 6:30 p.m. Welcome Party with Exhibitors
Reception Sponsored by
Entertainment Sponsored by
Grand Ballroom
6:30 p.m. – 8:30 p.m.

Welcome Dinner/AFSAPAC Auction
Dinner Sponsored by
Entertainment Sponsored by

Decor Sponsored by

View the AFSAPAC Auction Items here!

Caribbean Ballroom


Wednesday, May 22
8:00 a.m. – 5:30 p.m. Registration Center Caribbean Lobby
8:00 a.m.- 8:45 a.m. Breakfast with Exhibitors
Sponsored by
Grand Ballroom
9:00 a.m. – 10:15 a.m.

Opening General Session: Opening Remarks, Outstanding Independents Awards, and Keynote Address

KEYNOTE SESSION with Lt. Col. Scott Mann (ret.): Join us for compelling and dynamic storytelling, with lessons learned from critical combat missions that demonstrate transformative relationship-building techniques and decision-making skills that are key to establishing high-trust organizations.

Sponsored by

Caribbean Ballroom
10:15 a.m. – 10:45 a.m. Refreshments with Exhibitors
Sponsored by
Entertainment Sponsored by
Grand Ballroom
10:45 a.m. – 11:15 a.m. General Session: CEO Roundtable
Sponsored by
Caribbean Ballroom
11:15 a.m. – 12:00 p.m.

General Session: Capital Challenges

Josh Bullock, Managing Director, Mount Logan Management
Jim Chester, Managing Director, Keefe, Bruyette & Woods
Josh Johnson, President & CEO, Mariner Finance
Pam Johnson, Chief Financial Officer, OppFi
Milos Milosevic, Principal, Fourshore Partners
Moderator: Sharon Mancero, Managing Director, Agora Data
Sponsored by

Caribbean Ballroom
12:00 p.m. – 1:00 p.m. Luncheon with Exhibitors
Sponsored by
Entertainment Sponsored by  
Grand Ballroom
1:00 p.m. – 1:45 p.m. Public Policy Update
Sponsored by
Caribbean Ballroom
1:45 p.m. – 2:30 p.m.

Road to 2024: The Election Outlook

Jeffrey Horwitt, Partner, Hart Search
Micah Roberts, Partner, Public Opinion Strategies

Sponsored by

Caribbean Ballroom
2:30 p.m. – 3:00 p.m. Refreshments with Exhibitors
Sponsored by
Entertainment Sponsored by  
Grand Ballroom
3:00 p.m. – 3:45 p.m. Solutions Showcase Caribbean Ballroom
3:45 p.m. – 4:15 p.m. RSM Survey
Sponsored by
Caribbean Ballroom
4:15 p.m. – 5:15 p.m. Marketing & Communications Committee Grand B
4:15 p.m. – 5:15 p.m. Independent Accounting Committee Grand C
4:15 p.m. – 5:15 p.m. Operations Networking Group
Sponsored by
Grand D
5:15 p.m. – 7:00 p.m. Receptions with Exhibitors
Reception Sponsored by
Entertainment Sponsored by
Grand Ballroom


Thursday, May 23
8:00 a.m. – 12:30 p.m. Registration Center Caribbean Lobby
8:30 a.m. – 9:00 a.m. Breakfast
Sponsored by
Ocean Ballroom Foyer
9:00 a.m. – 9:45 a.m.

Breakfast & Breakouts: Trends & Tools in Collections & Recovery

The past five years have seen significant shifts in creditor rights. Join this discussion for the best and most up to date processes for maximizing collections and recoveries.

Frank Veneziano, Senior Counsel, The Law Office of Sarah A. Okrzynski, LLC

Sponsored by

Ocean 1
9:00 a.m. – 9:45 a.m.

Breakfast & Breakouts: Lessons from Lending Research

AFSA unveils new data and studies that bolsters the advocacy, education and communications efforts of member companies and the industry overall.

Tim Gill, Chief Economist, AFSA
Michael Chernousov, Senior Financial Analyst in the Consumer Finance section in the Division of Research and Statistics, Federal Reserve Board


Ocean 3
9:45 a.m. – 10:30 a.m.

Breakfast & Breakouts: Trends & Tools in Cyber and Fraud Protection

Whether its threats to business systems and networks or fraudsters using synthetic identities or overstating income, cyber and fraud threats are evolving as quickly as the techniques and technologies used to combat them. Get the latest download on how lenders large and small can strengthen their cyber and fraud prevention programs.

Kim Phan, Partner, Troutman Pepper
Tom Donovan, Principal Solution Consultant, ACI Worldwide

Sponsored by

Ocean 1
9:45 a.m. – 10:30 a.m.

Breakfast & Breakouts: Building an Engaged Team

There are always new challenges in talent recruitment and retention, particularly in building an engaged team that fuels growth. Join this highly interactive roundtable to discuss and hear how colleagues are thinking about employee engagement and the processes that drive it.

Valerie Tolhurst, SHRM-SCP, CCP, CPSP

Vice President Talent, Brundage Management

Sponsored by

Ocean 3
10:30 a.m. – 10:45 a.m. Coffee Break
Sponsored by
Caribbean Foyer
10:45 a.m. – 12:00 p.m.

Champions Club

Kenny Smith, Two-Time NBA Champion & Award-winning Broadcaster

Sponsored by

Caribbean Ballroom
12:00 p.m. – 1:00 p.m. Luncheon for All Attendees
Sponsored by
Ocean Terrace
1:30 p.m. – 4:00 p.m. Fun in the Sun Beach Activities
Sponsored by



Danielle Arlowe

Danielle Arlowe

Senior Vice President


Josh Bullock

Josh Bullock

Managing Director

Mount Logan Management

Jim Chester

Jim Chester

Managing Director

Keefe, Bruyette & Woods

Bill Himper

Bill Himper

President & CEO


Jeffrey Horwitt

Jeffrey Horwitt


Hart Research

Josh Johnson

Josh Johnson

President & CEO

Mariner Finance

Pam Johnson

Pam Johnson

Chief Financial Officer


Joe Kaczmarek

Joe Kaczmarek



George Kohlhofer III

George Kohlhofer III

Principal, Technology Consulting


Sharon Mancero

Sharon Mancero

Managing Director

Agora Data

Milos Milosevic

Milos Milosevic


Fourshore Partners

Lou Musto, Jr.

Lou Musto, Jr.

Principal, Process Risk and Controls, Business Risk Consulting


Micah Roberts

Micah Roberts


Public Opinion Strategies

Rachel Scott

Rachel Scott

White House Correspondent & D.C. Correspondent

ABC News

Celia Winslow

Celia Winslow

Senior Vice President


Hotel & Travel

Fort Lauderdale Marriott Harbor Beach Resort & Spa

3030 Holiday Drive
Fort Lauderdale, Florida
(954) 525-4000

Click here to make a reservation or call 954-525-4000 or1-800-222-6543 to speak to a group reservation agent:

Breathe in the crisp ocean air and immerse yourself in the warmth of the Sunshine State at the Fort Lauderdale Marriott Harbor Beach Resort & Spa. Situated along a quarter-mile of private beach, the hotel provides tropical tranquility while also offering easy access to Fort Lauderdale Airport.


Deadline Monday, April 29. Please contact the hotel directly to reserve your guest room at the discounted AFSA rate of $259 + plus tax, single or double occupancy and a discounted resort fee of $20. The resort fee includes:

  • Resort-wide high-speed wireless internet access, including Guest rooms, public space, meeting space, and restaurant outlets
  • Two (2) beach chairs per day
  • Two (2) resort Welcome Beverages per stay
  • One-hour rental of non-motorized water sports equipment per day for up to two people (weather permitting) – select from skim board, paddleboard, boogie board or kayak, age restrictions apply.
  • Two (2) fitness classes per day (visit the Spa for class schedule. Reservations required)
  • $25 discount off any spa treatment excluding hair and nail services
  • 90 minutes tennis court use, includes rackets and balls, per day
  • One hour use of beach games daily (Giant Jenga, Connect 4, Bocce Ball, Horse Shoes)

You must mention you are with AFSA to receive this special room rate. The room block always fills up before the registration deadline so call as soon as possible to ensure availability.

Hotel reservations at the discounted AFSA rate are only available to AFSA conference registered attendees. The hotel will move your room outside the AFSA block and back to the prevailing room rate at the hotel if you are not registered for this meeting.


Fort Lauderdale International Airport is located approximately 20 minutes from the Hotel.
UBER is available in Fort Lauderdale and the cost of UBERx to the hotel from the airport ranges from $15-$19.Taxicabs are also readily available outside of the Airport and the cost of a taxi to the hotel is approximately $28. Town cars can also be arranged by contacting the hotel concierge in advance.

If you are interested in renting a car, AFSA is happy to announce a partnership with Enterprise Rent-A-Car Company that gives members a 10% discount on rental cars. For reservations, go to and enter 16AH072 for the discount corporate code.

Parking is $45 for self parking or $50 for Valet per night.


AFSA is pleased to offer discounted airfare to the 2024 Independents Conference & Expo.

  • United Airlines offers a discount with flights booked via their website using the promotional code ZNVG806912.
  • Delta Airlines offers a discount booked via their dedicated booking website or calling 1-800-328-1111 and using the promotional code NM35Z.


There are many sponsorship and advertising opportunities. Review AFSA’s Marketing Kit and contact Dan Bucherer at







ABCoA | Deal Pack
Kiosk K4

ABCoA Deal Pack, a Software-as-a-Service company for the subprime finance industry since 1983; helps automotive finance companies eliminate duplication, remain compliant, and achieve success with industry proven, all-in-one software alongside prompt and dependable service and support.

Jacksonville, FL
Evelyn Hedy | Vice President
(800) 526-5832

ACI Worldwide Inc.
Kiosk K6

ACI Worldwide offers seamless customer billing and payment experiences with integrated AI-driven fraud protection. ACI’s comprehensive solution suite also includes patented digital wallet technology, instant funding and virtual collections technology.

Coral Gables, FL
Darcy Locke | Vice President, Head of Consumer Finance Sales
(502) 648 2353

Allied Business Systems
Booth 4

Allied Business Systems offers API driven loan origination and management software with options and customizability that meet the needs of any lender.  Integrations and configurable workflows allow lenders to scale to their business modules.  

Macon, GA
Miranda Price | Vice President, Business Development
(478) 703-0863

Allied Solutions / Securian Financial
Booth 3/Kiosk K8

Allied Solutions is one of the largest providers of insurance, lending, risk management, and data-driven solutions to financial institutions in the US. Allied Solutions is a wholly owned and independently operated subsidiary of Securian Financial Group.

Carmel, IN
Suzi Straffon | Director, Finance Company Markets
(313) 410-6523

Booth 13

Amsive is a full-service, data-led performance marketing agency that enhances ROI through innovative acquisition, engagement, and communications solutions. With both digital and direct expertise, Amsive designs audience, creative, & channel strategies to amplify growth.

Bolingbrook, IL
Greg Hamby | Director, Business Development
(601) 214-7331

Booth 18

AppOne streamlines the lending process and reduces contracting errors for RV, Marine, and Powersports dealers by providing the ability to electronically submit loan applications, receive decisions, structure loans, and print lender-specific documents.

Dayton, OH
Chet Heughan | Director, Sales
(225) 236-8476


Kiosk K13

Argyle gives consumer lenders direct-source access to real-time data, so they can verify income and employment faster, more reliably, and at 60-80% less cost.

New York, NY
Matt Gomes | General Manager, Personal Lending
(212) 287-5960

Black Book
Booth 2

Black Book is the leading provider of automotive vehicle pricing and analytical services.

Lawrenceville, GA
Jared Kalfus | President
(800) 554-1026

Chetu Inc.
Booth 16

Chetu is a global software solutions and support services provider for the financial services industry.  Chetu’s technology and industry experts provide its clients with a one-stop-shop software delivery model that spans the software technology spectrum.

Sunrise, FL

Jeff Weiss | Solutions Consultant
(954) 342-5676

Kiosk K10

Crypton is a multi-national software company offering a proprietary suite of services including eSignature, eVaulting, remote ID verification using Ai, SMS and more. API integration, SFTP, Web Portal and embedded options are available.

Augusta, GA
David Phillips | President
(706) 955-6407

DDI Technology
Kiosk K9

DDI Technology provides a complete automotive titling suite for lenders nationwide. Premier eTitleLien® enables your Loan Operations team to streamline processes, improve reporting and manage exceptions within a simple, user-friendly application.

Irmo, SC
Lara Gulledge | Senior Account Executive
(205) 612-0687


Remarketing by Element
Booth 12

Remarketing Services for Banks Credit Unions and Lenders for all types of Assets

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

F.H. Cann & Associates, Inc. 
Kiosk K2

F.H. Cann is a national woman-owned company headquartered in North Andover. We provide Collections and Call Center Services to a wide variety of clients. These include independent lenders, large banks, and the federal government.

Exeter, NH
Ryan OHara | Director, Business Development
(978) 701-0283

Kiosk K15

FIMC is a trusted provider and servicer of membership plans that protect your customers from the most common auto, home, lifestyle and medical-related expenses and enable you to increase flow-thru earnings at scale.

Sarasota, FL
Miguel Jansen | Vice President, Strategic Account Management
(941) 724-8996


Booth 6

For over 45 years, Fortegra and its subsidiaries have provided risk management solutions empowering individuals and businesses worldwide. With A.M. Best Financial Strength Rating of A- (Excellent), we offer diverse insurance and warranty products.

Jacksonville, FL
Mike Ferris | Senior Vice President, Credit Protection
(904) 638-7502

Kiosk K11

FSSI is an employee owned, WBE certified document outsourcing company that helps businesses maximize their impact and strategic value through highly customizable print, mail and digital communications solutions.

Santa Ana, CA
John Pulver | Senior Relationship Manager
(714) 436-3320

GOLDPoint Systems
Kiosk K5

GOLDPOINT Systems offers one of the most complete API based Loan Management Software Systems in the Direct and Indirect market, covering the complete loan life cycle.

Provo, UT
Glen Twede | Executive Vice President, Sales
(801) 429-2172


IM Group
Booth 21

Direct Marketing and Data Management Services.

West Deptford, NJ
Seth Manley | Partner
(843) 408-5777


Kiosk K1

Launcher’s agile appTRAKER Loan Origination System for indirect automotive, consumer direct lending and leasing is a perfect fit for subprime lenders, regional banks, and credit unions. Integrated communication tools streamline digital onboarding with Dealers and Consumers.

Jacksonville, FL
Ray Antunez | Director, Client Services
(904) 479-1343


Booth 14

Megasys is the leader in complete loan management systems for the consumer finance industry for over 40 years.  We provide customizable software platforms for finance companies of every size, from startup businesses to major corporations.

Anaheim, CA
Diana Moreau | Manager, Sales
(800) 927-4490


NETSOL Technologies Americas, Inc.
Kiosk K12

NETSOL Technologies is a US-based, leading financial technology provider to the global asset finance & leasing industry, catering to companies with ever growing & diverse business requirements worldwide.

Austin, TX
Jay Edwards | Vice President, Sales & Wholesale Product Manager
(416) 903-0938

Nordis Technologies
Kiosk K18

Companies trust Nordis Technologies to drive digital transformation and improve customer experience with Expresso™, a patented technology that delivers content control and agility for creating, personalizing and distributing critical digital and print auto finance communications.

Coral Springs, FL
Bryan Ten Broek | Vice President, Business Development
(954) 323-5217


Kiosk K7

Palinode offers compliance and productivity software to assist data furnishers with Credit Tradeline’s including consumer disputes and Metro2 reporting.

Brentwood, TN
Bruce Jackson | Chief Revenue Officer
(615) 405-5761


Park National Bank
Booth 20

Park National Bank provides revolving lines of credit from $5-48 million. Park also has the ability to arrange larger facilities with competitive interest and advance rates serving the lower 48 states.

Columbus, OH
Jack Arthur | Vice President
(740) 352-3013


Booth 17

Payliance delivers an all-in-one solution for the lending industry, specializing in payment processing, verification, and recovery.

Columbus OH
John Lawson | Account Executive
(614) 944-5788 Ext 9041

Booth 11

Paymentus (NYSE: PAY) is a leading provider of cloud-based bill payment technology and solutions. Our omni-channel platform provides consumers with easy-to-use, flexible and secure electronic bill payment experiences through their preferred payment channel and type.

Charlotte, NC
Nelly Meyer | Director, Regional Sales
(980) 430-4711

Booth 15

Payment process solutions

Jacksonville, FL
Scott Wittosch | Director, Sales & Partnerships
(240) 361-1621


Booth 5

PayNearMe develops technology that drives better payment experiences for businesses and their customers. Our modern, flexible and reliable platform enables more ways to pay by offering all major payment types and channels in a single platform.

Santa Clara, CA
Jill Conrad | Sr. Director of Sales
(650) 930-1020

Booth 19

Protective Asset Protection has provided F&I solutions in the industry for over 60 years. We serve dealerships and financial institutions with F&I products, training, wealth building and technology.

Chesterfield, MO

Booth 8

REPAY is a payment technology provider that offers card and ACH processing, Instant Funding, a consumer-facing mobile app, and online bill payment systems with web, text, and IVR capabilities.

Atlanta, GA
Shannon Dorrance | SVP, Consumer Finance

RevSpring, Inc.
Kiosk K19

RevSpring leads the market in financial communications and payment solutions. Leading finance companies trust RevSpring to maximize their financial results through dynamic communications – Personalized print, payment portal, email and text communications payments.

Nashville, TN
Marti Anderson | Director, Strategic Accounts
(614) 580-9093

Booth 7

RSM US LLP offers services to help specialty finance companies address their complex business challenges. Through working with organizations like AFSA, we have developed an industry knowledge base to provide industry specific observations and insights.

Chicago, IL
Morris Marshburn | Partner
(919) 645-6858

Solutions by Text
Booth 1

Solutions by Text (SBT) is the pioneer of FinText™, empowering consumer finance companies to engage, interact and transact with their consumers in real-time. SBT has been providing compliance-first enterprise conversational messaging solutions since 2008.

Addison, TX
Greg Carfine | Senior New Business Development
(410) 935-0919

State National Companies
Kiosk K14

Portfolio Protection and insurance tracking has been our core focus for 50 years. State National offers customized solutions for Subprime and Non-Prime lenders that are affordable, collectable and offer solid coverage against charge offs due to uninsured vehicle damage.

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

Booth 9

TruDecision’s cutting-edge analytic models, fueled by A.I. algorithms and millions of consumer records, establish a strong credit culture.  Our innovative solutions and proprietary credit risk tech optimize deal closures and enhance profitability for lender partners.

Irving, TX
David Knightly | Chief Revenue Officer
(954) 873-2142

Vergent LMS
Booth 22

Vergent LMS provides premier omnichannel loan management software for lending institutions and financial services organizations. Founded in 2006, Vergent LMS serves over 20,000 daily users in the U.S., Canada, Mexico, and Central America.

Ridgeland, MS & Plano, TX
Scott Putnam | Chief Executive Office
(601) 919-2275

Booth 10

Winnow provides subscribers with accurate topic-driven surveys and automated compliance change management. Winnow catalogs over 60,000 individual state and federal law requirements maintained by an experienced team of attorneys and professionals.

Anaheim Hills, CA
Wendy Lovett | Vice President, Sales & Business Development
(949) 674-4909

Kiosk K20

Xpress-pay is an ePayment solution with credit card processing and fee recovery.

Cortland, NY
Craig Peterson | Account Manager
(607) 753-6156