Banco Popular de Puerto Rico

Matt Flynn is TMG Director of Client Relations. He has been with the company for more than 11 years and works with community financial institution clients to help manage and grow their card portfolios. Matt is also responsible for other TMG sales initiatives and projects.

Jim is presently the President and Chief Operating Officer for United Recovery Systems, a family of companies headquartered in Houston Texas that specializes in the collection of consumer debt in the Banking, Medical, and Education sectors.He began his career in the collection industry in 1978. Since 1983 Jim has helped grow URS into one of the nation’s leading debt collection companies. He enjoys analytics and an open thinking environment that promotes team building, innovative problem solving, and process planning. Jim is passionate about customer experience, brand identity, and reputational integrity. He fully embraces the recent additional regulatory oversight. Jim believes it will create a more even playing field and further protect the integrity of the collection industry.

Scott has previously been an Associate and a Partner in Consumer Collections, as the manager of the firm’s Probate Group, with additional concentrations in the Commercial Banking, Commercial Business, Special Collections and Commercial/Agency Services Groups. Over the years, he has accumulated extensive collection litigation experience, managing cases of varying size and degree of difficulty.Scott earned a B.S. magna cum laude from the University of Southern California in 1986 and a J.D. from the University of Southern California, The Law School in 1989. A member of the California, Ohio State and Cleveland Metropolitan Bar Associations, Scott is licensed in California and Ohio and is admitted to practice before the U.S. District Court (Central District of California) and the U.S. Supreme Court.Scott is currently a member of Beta Gamma Sigma, Phi Kappa Phi and Order-of-the-Coif. He is also a board member of Adult Guardianship Services. Scott was selected multiple years for inclusion in Ohio Super Lawyers (2005, 2007, 2010-2013), as well as Ohio Rising Stars (2005).

Patrick has over 20 years of credit card industry experience serving in diverse management positions within Risk Management and Marketing at several leading financial institutions. During his career, Patrick has been a leader in the development of innovative marketing solutions aimed at increasing profitable new account growth while controlling for loan loss and expense metrics. Patrick brings a unique perspective, as a leader in the credit card business, who has experienced the seismic shift from batch to real-time online account acquisitions from the lender viewpoint. Patrick has led efforts with various external suppliers, IT infrastructure, and internal business stakeholders to develop innovative platform designs to capitalize on industry trends.Before joining Barclaycard US, Patrick held senior management positions with JPMorgan Chase and Mellon Bank. He also served as an independent consultant for various industry leaders seeking to capitalize on credit card marketing trends.

In his over 15 years of experience in the distressed debt industry, Mr. Cushing has been directly involved in more than 250 portfolio acquisitions of different debt types, totaling in excess of $7.5 billion. This experience includes all aspects of debt purchases from analysis and contract negotiation to managing of the portfolios after the acquisition. Mr. Cushing is past president of the Debt Buyers Association, International, 2009-2010. Currently, Mr. Cushing is Executive Vice President of Business Development for Fourscore Resource Capital, LLC. Where along with a number of internal corporate initiatives, his major responsibilities are to expand current client relationships within the existing marketplace, create and develop strategic business partnerships, plus explore and invest in new asset classes for debt buying opportunities.Mr. Cushing graduated from the University of California at Santa Barbara with a Bachelor of Arts in Business Economics. Mr. Cushing became licensed as a Certified Public Accountant in the State of California while employed by the certified public accounting firm of PricewaterhouseCoopers (formally known as Coopers and Lybrand).

Brian founded Pervasive Path Consulting two years ago to help companies make the most out of mobile. Leveraging his 8 years of mobility experience, as well as his 16 year background in the management consulting field, Brian has helped clients envision, plan for, implement and launch mobile solutions for customer engagement and commerce, field service, mobile supply chain, and business process enablement. In addition to his work at Pervasive Path, Brian is also teaches a course on Mobile and Social Media Strategy at Kent State University’s School of Digital Science 

Owen Gingras joined Walmart Canada in July 2008, and was instrumental in building and launching Walmart Canada Bank and the Walmart Rewards MasterCard in 2010, including the design and implementation of a paperless point of sale application in Walmart Canada stores. In his current role Owen is responsible for the design and delivery of current and future systems needs for Walmart Canada Financial Services as well as owning business continuity and operational risk management for the bank.Prior to joining Walmart, Owen was with GE Money and held the senior role of General Manager, Credit Cards and Strategic Initiatives. Owen has been in the financial services industry since 1994, and developed his passion for systems technologies and interfaces with the re-launch of the HSBC MasterCard in Canada; building an in house credit card system platform, and planning the simultaneous de-conversion from the existing service provider. Through extensive experience in both card issuance and retail card acceptance, Owen has gained leading industry knowledge and insights into dual interface chip cards and retail terminal operations and behaviours.Owen is an active leader in the Canadian credit card community; serving as a board member of ACT Canada and is also a member of the Point of Sale and Prepaid Card Leadership teams.Owen completed the MIT Sloan Management Center for Information Technology summer session in 2012, and holds a Bachelor of Arts degree and a Diploma in Business Administration from Wilfrid Laurier University.

Robert H. "Bob" Obringer has served as Senior Vice-President of Compliance and General Counsel of Phillips & Cohen Associates, Ltd. for the past 8 years and has been with the agency since 2000. Phillips & Cohen Associates, Ltd. is a multi-national collection agency with a comprehensive suite of specialty collection service offerings and offices throughout the US, UK, Canada and most recently Australia. Throughout his tenure with Phillips & Cohen Associates, he has been responsible for overseeing all contracting, legal and compliance activities. Mr. Obringer is admitted to practice law in Delaware and Pennsylvania, is an adjunct professor at Rosemont College and a member of the faculty of University of Phoenix where he teaches graduate and undergraduate business law and ethics. He has lectured to attorneys and accountants on collection law and ethics and is also a member of the Delaware, Pennsylvania and Philadelphia Bar Associations. He earned his J.D. from Rutgers University School of Law Camden and also holds a Master of Arts and a Master of Business Administration with a concentration in technology management. Mr. Obringer is a member of NARCA, American Bankruptcy Institute and has been recently recognized by ACA International as a scholar and fellow.