April 17-20, 2023, The Aria, Las Vegas
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 2023 Independents Conference & Expo will be held April 17-20 at the beautiful Aria Resort & Casino in Las Vegas. 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, in the glittering Las Vegas.


Hon. Cisco Aguilar

Hon. Cisco Aguilar

Secretary of State

The State of Nevada

Amanda Gore

Amanda Gore


The Joy Project

Jake Harriman

Jake Harriman


Nuru International

Danielle Fagre Arlowe

Danielle Fagre Arlowe

Senior Vice President


John Behringer

John Behringer

Financial Services Risk Consulting Leader


Patrick Brenner

Patrick Brenner

Founder & President

Southwest Public Policy Institute

Jason Dunn

Jason Dunn


Brownstein Hyatt Farber Schreck

Bill Himpler

Bill Himpler

President & CEO


Joe Kaczmarek

Joe Kaczmarek

National Fintech Leader


Martin Less

Martin Less

President & CEO

Nationwide Acceptance

Rochelle McClanahan

Rochelle McClanahan

CFO & Compliance Officer

Brundage Management / Sun Loan Company

Robert McMurry

Robert McMurry

Specialty Finance Assurance Partner


Lou Musto

Lou Musto

National Specialty Finance Consulting Leader


Anthony Pacilio

Anthony Pacilio

Vice President

CAI Neurodiverse Solutions

Sheri Wilford

Sheri Wilford


LPI Loans

Celia Winslow

Celia Winslow

Senior Vice President


Conference Agenda




April 17
2:30 p.m. – 5:00 p.m. Registration Center
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
April 18
7:30 a.m. – 5:30 p.m. AFSA Registration Center
8:00 a.m. – 8:40 a.m. Independent Auto Finance Executives Group Breakfast
Sponsored by
8:40 a.m. – 10:30 a.m. Independent Auto Finance Executives Group Meeting
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 Meeting/Lunch
11:00 a.m. – 12:15 p.m. Marketing & Communications Networking Group
12:30 p.m. – 2:00 p.m. Executive Committee
Sponsored by
2:15 p.m. – 3:45 p.m. AFSA Board of Directors
Sponsored by
3:30 p.m. – 5:00 p.m.

Refreshment Sponsored by

Speaker Sponsored by

Reception Sponsored by
Entertainment Sponsored by
6:30 p.m. – 8:30 p.m.

Dinner Sponsored by

Entertainment Sponsored by

April 19
8:00 a.m. – 5:00 p.m. Registration Center
8:00 a.m. – 9:00 a.m. State Government Affairs Traditional Installment Lending Subcommittee
8:15 a.m. – 9:00 a.m. BREAKFAST WITH EXHIBITORS
Sponsored by
9:00 a.m. – 9:30 a.m. OPENING GENERAL SESSION
– President’s Remarks
– AFSAEF Update
– Chair Report
Sponsored by
9:30 a.m. — 10:30 a.m.


For more than 25 years Amanda Gore, CEO of The Joy Project, has used her expertise in emotional intelligence, group dynamics, neurolinguistics, neuroscience, and occupational health to transform businesses and cultures by changing perceptions, improving relationships and team dynamics, managing change, leadership, and innovation.

Her high-energy and inspiring session will also focus on how to enhance customer relationships. Amanda believes success in business is always about feelings; the way we feel about a product, organization, or customer, influences how we behave and informs our decisions on how we spend or serve or who we conduct business with.

Sponsored by

10:30 a.m. – 10:45 a.m. AFSA Award Presentations
– Outstanding Independent Award
– Outstanding Employee Awards (Click to review the brochure)
10:45 a.m. – 11:15 a.m. REFRESHMENTS WITH EXHIBITORS
Sponsored by
11:15 a.m. – 12:00 p.m.

GENERAL SESSION | Federal & State Briefing/AFSAPAC Remarks

There’s no gambling or odds here. AFSA’s Federal & State Briefing with Danielle Arlowe and Celia Winslow, SVPs at AFSA will get you completely up-to-date with the information you need for business success.
Sponsored by

Sponsored by
1:00 p.m. – 1:45 p.m.

GENERAL SESSION | NV Secretary of State Cisco Aguilar

Aguilar was elected in 2022, confirming his rising star in state and national politics, while bringing his legal, corporate, and political expertise to the table. He’ll share his experiences and lessons learned in a thought-provoking conversation, from his time on the Nevada Athletic Commission, his education and job training advocacy for young people, and his time as General Counsel for Agassi Graf and the Andre Agassi Foundation for Education.

1:45 p.m. – 2:30 p.m.


The Main Stage will buzzing with AFSA’s first solutions showcase, bringing together new AFSA Business Partner products or services that can help transform consumer credit operations.

Five AFSA Business Partners selected by the Independents Section Board will showcase their best products and services that can add to any company’s value proposition spanning compliance, risk, payments, mobility, and marketing.

Sponsored by
RSM Survey
RSM will present the results of their annual financial performance survey for AFSA Independents and other independently held finance companies across the United States. The results will include current trends with respect to growth, funding, leverage, profitability, income and expenses. 

  • Robert McMurry, Specialty Finance Assurance Partner
  • Lou Musto, National Specialty Finance Consulting Leader
  • Joe Kaczmarek, National Fintech Leader
  • John Behringer, Financial Services Risk Consulting Leader

Sponsored by

The State of State AG Action
State attorneys general continue to carve out larger roles in consumer credit, with an eye toward burnishing their records in pursuit of higher office, while also leveraging their authority to build high-profile cases in partnerships with the CFPB. Dunn will draw on his expertise and explore these recent actions by state AGs and what the state legal landscape may look like moving forward.

3:45 p.m. – 4:45 p.m. Independents Accounting Committee
Human Resource Networking Group
5:00 p.m. – 7:00 p.m.


Reception Sponsored by

Entertainment Sponsored by

April 20
8:00 a.m. – 11:00 p.m. Registration Center
8:00 a.m. – 9:00 a.m. Operations Networking Group
8:30 a.m. — 9:15 a.m.

Sponsored by

Over the past year, with state and federal policymakers continuing to look at rate caps or the 36% Military Lending Act cap, significant studies exposing the flaws and fallacies of such policies have been released. Hear from the economists who are dismantling the myth that rate caps aid consumers.

The neurodiverse community is an untapped area for employment that helps bring measurable financial benefits as well as improved workplace culture, making it a focus of major global corporations. Join us as Anthony Pacilio, Vice President, Neurodiverse Solutions at CAI, discusses how to implement and support neurodiversity hiring practices. He’ll share his personal journey, define what neurodiversity is, and explain how organizations can find, attract, hire and support neurodivergent candidates.

9:30 a.m. — 10:00 a.m. Leadership Roundtable
Sponsored by
10:00 a.m. – 11:00 a.m.


Jake Harriman’s work has led to his being honored as a White House “Champion of Change” and by the Dalai Lama as an “Unsung Hero of Compassion.” Join Jake, a Former Marine Platoon Commander and Founder, Nuru International, for an inspiring discussion on the courage to drive change and the role economic opportunity plays in the life of our country and the world, and how our industry and your teams can expand our influence for growth and good.

Sponsored by

11:00 a.m. – 11:15 a.m. Grab & Go Refreshments
Sponsored by
12:15 p.m. – 6:00 p.m. AFSA GOLF TOURNAMENT
Sponsored by

Venue & Travel

Discover a world of illuminating experiences when visiting Aria in Las Vegas for the 2023 Independents Conference and Expo at AAA Five Diamond ARIA Resort & Casino, where world-class dining and five-star service converge with in-room technologies and award-winning rooms and suites.


Still want to register for the conference but worried you can’t get a hotel room? No worries! AFSA can help.
Contact AFSA’s Senior Director of Conferences Michele Battaline at mbattaline@afsamail.org.


The deadline to register for accommodations at AFSA’s special rate is Monday, March 27th. Rooms in the block are available on a first-come, first-serve basis and will fill quickly. Note, that reservations not cancelled 72 hours prior to arrival will be charged for the entire stay. A small portion of your roommate rate is rebated to AFSA to offset conference expenses.

Attendees of the 2023 Independents Conference & Expo can take advantage of special AFSA accommodation pricing:

  • Sunday – Tuesday: $275
  • Wednesday: $245
  • Thursday: $185

Room rates are in addition to single/double tax and a $40 per person resort fee. Check-in time is 4:00 p.m. with check-out time at 11:00 a.m. Visit the dedicated booking site or call (866) 359-7757.

Air Travel

AFSA is pleased to offer the following partner discounts:

  • United Airlines: Discounts of 2% to 10% off published fares. Save an additional 3% off by booking your own reservations at www.united.com, using the the code ZMMF132341. Alternatively, call your travel professional or United Meetings at 800-426-1122 for reservations. When doing so, refer to the discount code above.
  • Delta Air Lines offers air travel discounts to applicable fares for this conference. Reservations and ticketing is available at www.delta.com or (800) 328-1111, using the code NM26C.

If you have questions regarding the meeting feel free to contact AFSA’s Senior Director of Conferences, Michele Battaline, at 202-776-7302 or mbattaline@afsamail.org

Ground Transportation

The fare for taxi and rideshare services between McCarran International Airport and The Aria Resort & Casino is approximately $25. Travel time is 10-15 minutes.

AFSA Golf Tournament

AFSA’s Independents Conference & Expo golf tournament will be held on Thursday, April 20 at the Desert Pines Golf Club approximately a 20 minute drive from The Aria. Bus service to and from the hotel will be provided. The tournament is shotgun-style and tee time is 1:30 p.m. For questions, contact Tom Morano at tmorano@afsamail.org.



Want to increase brand visibility at one of the consumer credit industry’s premier conferences? Review available conference sponsorship  opportunities and  AFSA’s Marketing Kit. Ready to book? Contact Jenny Bengtson at jbengtson@afsamail.org.






Expo Hall

There are many exhibiting opportunities that allow companies to increase their brand presence at the conference. Please review pages 4 through 7 of the AFSA’s Marketing Kit and the information below. Contact Jenny Bengtson at jbengtson@afsamail.org for additional assistance if needed.

ABCoA Deal Pack | cyclCRM
Booth 24

All-in-one software ecosystem for independent dealers and finance companies. Run your entire business on one software without importing, exporting, or double-entry. All modules, including accounting, are fully integrated.

Jacksonville, FL
Natalie McKinney | Director, Sales
(800) 526-5832


ACI Worldwide Inc.
Kiosk K23

ACI Worldwide’s comprehensive suite of billing, payment, disbursement, and virtual collections software solutions accelerate payments, improve customer experience, and automate manual processes. The ACI Speedpay solution suite powers secure payments while lowering compliance burden.

Coral Gables, FL
Max Beebe | Senior Business Development Consultant
(334) 663-4487


Allied Business Systems
Booth 6/Kiosk K13

Loan Origination and Management Software

Macon, GA
Miranda Price | Vice President,
Business Development
(800) 727-7534


Allied Solutions | Securian Financial
Booth 2

Allied Solutions and Securian Financial partner to provide a comprehensive product suite of insurance, lending, marketing, and risk management services.

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


Booth 18

Amsive amplifies results: A full-service performance marketing agency with a team of experts who drive strategically-informed plans using audience science across all
consumer touchpoints.

Greenville, SC
Greg Hamby | Director, Business Development
(601) 214-7331


Black Book
Booth 23

Black Book provides industry-leading automotive analytics and data, including advanced residuals, retail listings, and valuation data.

Lawrenceville, GA
Susan Moritz | Senior Vice President, Sales
(770) 533-5288


Booth 14

BlytzPay is payment processing with automated collections tools focused on communication and payments via text. BlitzPay makes collecting easy and efficient by giving customers a mobile experience that allows them to pay on their time with the payment method they prefer.

Draper, UT
TJ Lee | Vice President, Inside Sales
(801) 658-2212


Brock & Scott
Booth 21

Legal Services

Winston Salem, NC
Dennis LeVine | Managing Partner /
Auto Bankruptcy
(813) 601-0683


Chetu, Inc.
Kiosk K14

Chetu is a proud leader in providing high-quality, custom payment software solutions using our payments industry experience combined with our extensive knowledge for leveraging best-in-class programming tools and technologies
to enable fast, secure, and seamless
payment transactions.

Sunrise, FL
William Dawsey | Vice President, Sales
(954) 342-5676


Booth 29

Crypton is a technology corporation specializing in software solutions for the consumer lending, real estate and automotive industries. Services include eSignatures, eVaulting, facial recognition, identity verification, text messaging, blockchain and compliance-based machine
learning solutions.

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


DDI Technology
Booth 11

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
Luke Jumper | Senior Account Executive
(803) 638-1229



Remarketing by Element
Booth 28

Remarketing off-lease and repossessed vehicles can be a complicated and time-consuming process. With the Element advantage, the entire vehicle auction process is designed to obtain higher returns and shorten cycle times. We typically deliver 105 percent of market value for our clients, with average net returns that are $300 higher than industry benchmarks.

Hoffman Estates, IL
Jay Watson
(248) 904-9468


Kiosk K10

EverChain facilitates debt sales for creditors that are focused on end-to-end compliance management of debt buyers and their collection agencies and law firms. We provide creditors with the technology, people, and processes to optimize receivables recovery.

Henderson, NV
Mike Walsh | Vice President,
Business Development
(702) 374-5609


Booth 7

For more than 45 years, Fortegra and its subsidiaries have underwritten risk management solutions that help people and businesses succeed in the face of uncertainty.  As a global specialty insurer, we offer a diverse set of admitted and surplus insurance products and warranty solutions. Fortegra’s A.M. Best Financial Strength Rating of A- (Excellent) is a result of our strict underwriting standards, consistent profitability, and high cash flows.

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


GOLDPoint Systems
Booth 8

API based lending software platform for direct and indirect lenders. Industry leading functionality in Loan Origination, Servicing, Collections, Accounting, Payments, Reporting, Decisioning, Securitization, Vaulting, and more …

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



IM Group
Booth 13

Marketing Strategy and Campaign
Execution Services.

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


Kiosk K3

Inovatec’s proven cloud loan origination and loan management solutions empower lenders to close deals faster, satisfy fast-changing customer needs, shorten time-to-market, optimize revenue and lower operating costs.

Burnaby, BC, Canada
Brendon Aleski | Director, US Sales
(412) 735-1661


Kiosk K24

appTRAKER Loan Origination System is configurable & scalable to fit any business model for subprime automotive lending institutions, regional banks, and credit unions. Integrated communication tools streamline digital engagement with both Dealers and
Direct Consumers.

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



Booth 9&10

Lightico empowers lenders to eliminate breakpoints in customer financing and servicing journeys. With the Lightico Digital Completion platform, lenders fund more deals, complete more servicing requests, and achieve their goals in record time. Some of the world’s top auto lenders rely on Lightico to eliminate breakpoints in their customer journeys.

New York, NY
Gaby Young | Vice President
(917) 475-0128



Booth 20

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.

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


Booth 5

Neo’s application scoring and underwriting system leverages AI/ML, along with your past loan performance data, to automate application processing, mitigate rise, increase profitability and decrease time to approvals.

San Jose, CA
Scott Shamrell | Head, Sales &
Business Development
(949) 326-4928


Park National Bank
Booth 30

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
(614) 372-6441


Booth 26

PayNearMe is the modern, reliable payments platform that enables consumers to pay how, when and where they choose. Accept more payment types–all with a single, intuitive platform. With PayNearMe, collect every payment, every time.

Santa Clara, CA
Jill Bohlken | Senior Director, Sales
(319) 610-2080


Protective Asset Protection
Booth 22

Protective Asset Protection has been providing F&I solutions for the automotive industry for over 60 years. We proudly serve thousands of dealerships throughout the U.S. and Puerto Rico, with innovative F&I products, training, dealer participation programs and technology.

Chesterfield, MO
Mark Edmundson | Vice President, Sales
(818) 620-1987


Booth 4

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
Pam Hendee | Vice President, Sales
(405) 504-7473


Booth 12

RSM US LLP offers a range of services to help specialty finance companies address their complex business challenges such as regulatory compliance, security and privacy, and transaction due diligence. Through working with organizations like AFSA, we have developed an industry knowledge base to provide industry specific, meaningful observations and insights.

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


Secure Title Administration, Inc.
Booth 1

Secure Title Administration, Inc. (STA) provides lenders with transparent control over their titles while meeting all regulatory and legislative requirements within the title administration industry. Our team of experts handle your title administration work so you don’t have to.

Duluth, GA
Mark Gallagher | Account Executive
(866) 742-1466


Security Credit Services, LLC
Booth 16

Security Credit Services is an investment firm that purchases performing and non-performing account receivables. Our company is one of the United States’ top 10 receivables buyers and has purchased over $30 billion worth of delinquent and charged-off receivables since 2003.

Oxford, MS
Jim Matthews | Manager, Business Development
(662) 281-7314


Solutions by Text
Booth 15

Solutions by Text (SBT) is the pioneer of FinText(™), empowering consumer finance companies to engage, interact and transact with their consumers in real time through compliance-first text messaging and payments.

Dallas, TX
Cliff Elam | Senior Director, Sales
(919) 641- 2091


State National Companies
Booth 25

As dedicated CPI specialists for 50 years, State National offers customized solutions with less paperwork, time, and effort, and greater transparency—all while delivering more in
claim dollars.

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


Vergent LMS
Booth 17

Vergent LMS provides an omnichannel loan management system that covers every step of the loan life cycle with a robust suite of software tools that scale to any size, from startups to enterprise lending clients.

Ridgeland, MS
LeAnn Cotton | Vice President, Sales &
Lender Relations
(469) 262-9322


Kiosk K4

Winnow® is a database-driven, RegTech platform that provides subscribers with accurate topic-driven surveys and automated compliance change management. It catalogs over 57,000 individual state and federal requirements maintained by an experienced team
of attorneys.

Anaheim Hills, CA
Chris Hilliard | Chief Operating Officer
(949) 356-0660


Kiosk K16

Xpress Pay is an ePayment Solution with credit card processing and fee recovery.

Cortland, NY
Craig Peterson | Business Development
(607) 753-6156 x416