2017 CLOUD LENDING

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An iiBIG Thank You to Our Conference Sponsors

Gold Sponsors:

Armada Labs is a software development company offering a wide range of custom software development t services and IT outsourcing solutions. For the past 14 years we have been concentrating in FinTech space working with multiple customers in Lending, Debt Management, Collections and Finance industries. Armada Labs has been certified as Amazon AWS Consulting Partner. Over the years we have also developed a suite of our own software products for financial industry, including: PayLine Direct - an online payment negotiation platform, Prime Debt Soft – software platform for debt management and debt settlement businesses, A-SAFE - secure document storage & delivery system, A-SIGN - electronic Reg-E solution and others. www.ArmadaLabs.com.

First Associates has more than 25 years of industry experience in the consumer finance industry, state-of-the-art technology and the infrastructure to meet the demands of any client. We’ve received industry recognition for consistently exceeding high performance standards and providing a superior level of support—so you know your customers will receive the highest level of service. Headquartered in San Diego, First Associates has it all: an experienced team of industry veterans with first-rate knowledge and access to exceptional technology to support their efforts. We provide effective services that are scalable, flexible, secure and compliant. For more information go to: www.1stassociates.com.

Goal Structured Solutions
GS2 is a values driven asset management company offering a comprehensive array of products and services to the education loan industry. GS2 has investments in over $2.5 billion of performing and non-performing student loans and manages over $20 billion of private and federally-guaranteed student loans for our clients and partners in over 60 separate financing structures.  GS2 is a licensed debt buyer and debt collector and uses its $40 billion student loan performance database to originate, analyze, value, acquire and manage portfolios. For more information go to: goalsolutions.com.

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Silver Sponsors:

In a digital world it is necessary to process large volumes of data and make fast and auditable decisions. ACTICO is a multinational provider of innovative technologies for decision management and software solutions for real-time rapid evaluation of new data sources to enhance credit decisions process. Our Credit Management Platform is used by fintech and financial services firms for loan origination, managing risks, portfolio analytics and stress testing. Core features include a robust and flexible rules based technology managed by business and a flexible framework for implementing internal rating and scoring models. Based on an in-depth risk assessment, the platform seamlessly enables credit management leveraging complex strategies to enable risk based pricing and workflows. For more information, please visit www.actico.com.

Debt Management Partners (DMP) and our operating team has been a niche leading liquidator of delinquencies since 2004. DMP has thrived in one of the most difficult spaces in collections; we look to bring our careful brand management to your group to ensure the highest results while maintaining a tailored customer experience. Our operating team consist of tough professionals that have worked with major banks, hedge fund management, private lenders, payday lenders, B2B lenders, and even ex regional presidents of the better business bureau. Our Chief Technology Officer was a technology entrepreneur focused on customer business intelligence tool creation, he has built and sold two separate companies; he joined DMP to lead a team focused on data and payment security, seamless software integration, and payment tracking and reporting that provides full transparency and clarity across the board through our custom built proprietary account management software. Our Chief Compliance Officer was the Chief Investigator for the Better Business Bureau of Upstate NY, has a strong history of direct interaction and enforcement with the NYS attorney general’s office, and understands what it takes to proactively identify and rectify any and all weak links in a collection process before they happen. Our Chief Operating Officer is a 25 year veteran of the collection industry; he has overseen thousands of employees at OSI, managed direct placements from major banks, coordinated purchasing and liquidation for hedge funds, and has sat on the boards of numerous professional trade organizations. Overseeing all aspects of account management, he maintains consistency and quality control at every step of the process. DMP has contributed to best practice lists of the following professional organizations: Lend360, CFSA, and the Debt Buyers Association. DMP aims to bring our success in account management to lenders in order to ease their internal account strategies and increase their yield.

Elevate’s innovative online credit solutions provide immediate relief to nonprime customers today and help them build a brighter financial future. The company uses best in class analytics and underwriting capabilities to reward borrowers’ good financial behavior with features like rates that can go down over time, free financial training and credit monitoring. Elevate’s suite of groundbreaking credit products includes RISE, Sunny and Elastic. The company has originated more than $3 billion in credit to 1.4 million consumers to date. Elevate is privately held and is backed by Silicon Valley venture capital firms including Sequoia Capital and Technology Crossover Ventures. For more information, please visit: www.elevate.com

Infinity has revolutionized the Loan Management industry for the past 16+ years. Our dedication to innovation has driven us to create the most sophisticated financial tools in the lending industry. Breakthrough software development and a streamlined loan platform have saved companies millions of dollars and hours over the past decade and a half. At Infinity, your profitability is our passion. We believe that nobody should be held back by limited, hard to use, antiquated software. If you are looking for the industry’s most advanced “Total Lending Solution” Please visit us at www.infinityels.com.

Pepper Hamilton LLP is a multi-practice law firm with more than 500 lawyers nationally. The firm provides corporate, litigation and regulatory legal services to leading businesses, governmental entities, nonprofit organizations and individuals throughout the nation and the world. Pepper knows that no two players in the marketplace lending or online direct lending area are alike. We represent clients worldwide in all segments of marketplace lending – platforms, investors, service providers and banks – to help them identify the legal issues that arise from their chosen approach to the market. Our clients cover the spectrum of emerging ideas, including FinTech start-ups, seasoned businesses and institutional and non- institutional regional and global investors. We tailor legal solutions to their specific business objectives, risk tolerances and market constraints. In the industry, we’ve helped launch many commercial and consumer platforms, worked with broker-dealers, advised both large and small investment advisers and service providers, served as general counsel to private marketplace lending investment funds, and served as U.S. counsel for publicly traded non-U.S. funds dedicated to investing in marketplace loans in the United States and around the world. For more information, please visit: www.pepperlaw.com

ReliaMax® is a transformative force in the private student loan industry. We’ve helped over 450 lenders enter this market and deliver private student loans nationally. By focusing on large, prime and near prime credit score markets and utilizing advanced analytics, risk management, servicing and capital markets origination, we help lenders make responsible educational loans so that students and their parents can fulfill educational dreams. All of this is done through our state-of-the-art FinTech platform – The ReliaMax Solution – based on our advanced database of over $14 billion in private student loans. Since 2009 we’ve insured over $2 billion in loans. ReliaMax.com.

VoApps is an Atlanta-based technology company that provides innovative voicemail solutions to helps businesses reach mobile contacts with consideration and compliance. We have patented solutions that optimize collections and call center efficiency. DirectDrop Voicemail – our flagship solution - delivers a voice message directly to the consumer's voicemail server – without calling their phone.  Close to 100 million of messages have been delivered to mobile users with DirectDrop Voicemail... and that number grows daily. VoApps was incubated at Georgia Tech's Advanced Technology Development Center and partly funded by the State of Georgia. VoApps was recently named one of the Top 40 Most Innovative Companies in Georgia, recognized for its innovation, financial impact, and efforts to spread the state's technology efforts throughout the US and globally.

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Associate Sponsors:

Aldridge Pite LLP counsels mortgage companies, community banks, consumer lenders, and money service businesses on regulatory matters. We provide proactive solutions that consider the unique aspects of the individual business. The regulatory compliance group represents innovative industry leaders and fintech companies, including startups. The firm is a multi-state firm with offices in 14 cities, and its primary office in Atlanta is a short walk away from the financial technology hub dubbed “transactional alley.” The compliance group assists with licensing projects, renewals, policies and procedures and maintenance of regulator-ready compliance programs. For more information, visit: www.aldridgepite.com

EPIC’s world class Loan Management System (LMS) allows online lenders to centralize all crucial loan portfolio management requirements in a single database-driven, enterprise-level SaaS application. The EPIC LMS, which is fully integrated with the most widely used ACH Agencies, Underwriters and Lead Providers, offers a rich suite of loan management operation modules, a variety of customizable marketing and risk management tools, as well as access to extensive Portfolio Data Reporting and Analytical Tools. Website address is: www.EPICLoansystems.com

Manatt, Phelps & Phillips, LLP, is one of the nation's leading law and consulting firms. Manatt is a full service law firm with practice areas including marketplace lending and crowdfunding, venture capital and private equity, corporate finance and securities, M&A, tax, litigation, intellectual property, labor and employment, financial services, real estate, healthcare and entertainment. Our marketplace lending group works with platforms, investors and service providers in the space to provide a comprehensive marketplace lending solution. We advise several companies in each of the three main verticals—consumer, small business and real estate—and we represent several other specialty platforms. We tailor legal solutions to specific business objectives and market constraints. Manatt works with the largest companies in the industry as well as smaller start-ups to perform a customized risk-based assessment and action plan to get and keep clients moving as efficiently as possible. We work actively with companies and investors from North America, Europe and Asia to guide them through this dynamic landscape. For more information, visit: www.manatt.com

RGS provides the best possible BPO and ARM Services—from third-party debt collection, to customer retention and care. RGS is proud of its ability to exceed clients’ expectations by providing an array of solutions — solutions for both clients and their customers. As a recognized industry expert in the BPO and ARM industries, RGS strives to always offer superior solutions to clients, their customers, and to our valuable RGS employees. RGS is a leading nationwide provider of call center solutions. RGS provides the highest levels of customer service through advanced call center technology and exceptional business compliance practices. RGS understands the importance of protecting our client's image and brand; therefore we endeavor to treat each customer ethically and with the upmost respect. RGS has zero tolerance for unethical and impolite business practices. RGS takes great strides to ensure that company ethical and compliance standards are consistently met. RGS' reputation, innovation, and experience allow us to consistently offer the best outsource solutions possible. RGS was founded in 2005. Corporate offices are located in Richardson, Texas, a suburb of Dallas.

Reunion Student Loan Finance Corporation (SLFC) is a highly respected student loan originator and loan servicer with over 37 years of experience in all aspects of student lending.  RSLFC’s framework features a seamless integration of origination and servicing platforms which enable an end-to-end solution for our lending partners by ensuring all regulatory and compliance guidelines are met.  RSLFC’s platforms provide the flexibility to offer a variety of different student loan programs to meet the lender’s needs.  Our servicing methodology provides direct access for the consumer to their own personal account manager eliminating the call center environment and creating unmatched personalized service. www.slfc.com

Teledata Communications, Inc. (TCI) is a leading provider of software-as-a-service (SaaS) loan origination solutions for credit unions, banks, finance companies and online lenders. TCI’s loan origination solution, DecisionLender , features a flexible, modular architecture which online and traditional lenders can configure to address their specific lending criteria and workflows. TCI’s solutions have been adopted by over five hundred lenders throughout the country. DecisionLender automates all online decisioning, the electronic signature process, and is integrating into Trans Union’s ID Manager product. Trans Union ID Manager helps eliminate fraud in the online loan origination process. For more information go to: ww.tcicredit.com.

Our mission is to help people everywhere access the opportunities that lead to a higher quality of life. By helping organizations optimize their risk-based decisions and enabling consumers to understand and manage their personal information, we empower both to take their destinies into their own hands. We call this Information for Good. http://www.transunion.com/business

At the Cloud Lending Conference, TransUnion is increasing awareness of its Fraud Prevention Exchange, which includes established and emerging FinTech lenders. The Fraud Prevention Exchange leverages the power of collective data and helps lenders face challenges brought on by originations fraud, including synthetic identity and loan stacking. Rapid information sharing among Exchange members is paramount in the battle against online fraud. http://transunioninsights.com/fraud-exchange/