• United States
  • Find Experian Worldwide Locations

Content on this page requires a newer version of Adobe Flash Player.

Get Adobe Flash player

Breakout Sessions

The following are the 2010 sessions.

Access and print the 2010 Breakout session matrix.

  • Prospecting and Acquisitions
  • Portfolio Management and Loss Mitigation
  • Collections and Recovery
  • Fraud Prevention
  • Decisioning Strategies
  • Small Business and Commercial Banking
  • Analytics and Insights
  • Hot Topics

    • Track 1

    Prospecting and Acquisitions

    Balancing loan risk exposure and retail growth — H&R Block case study (48a)

    Learn how H&R Block successfully used new credit origination to drive traffic into its retail branches during the 2009 tax season. Gain a firsthand account of how H&R Block improved its front-end application process with enhanced data intelligence, analytics and decisioning capabilities — and, in doing so, how it was able to expand its retail customer base through more effective targeting and evaluation of new and returning customers.
    All – 1 hour

    Credit marketing opportunities for credit unions (79)

    This session will provide case studies on successes credit unions have had with credit marketing campaigns across several product lines. Learn strategies to develop highly targeted campaign lists, build business cases to support ongoing spend and drive growth into the credit union in today’s environment. The session will cover both prospecting for new members and retention and cross-sell strategies for the existing member base.
    Intermediate level – 1 hour

    Credit marketing today — impact of consumer data changes and regulation on consumer prescreening (76)

    This session focuses on new trends in credit marketing. We’ll explore what lenders are moving toward to incorporate deeper data evaluation into their prescreen universe selection process. Much of the session will focus on credit card lending, with a brief discussion of applicability to other product lines.
    Intermediate – 1 hour

    Marketing for deposit accounts in today’s environment (78)

    This session will provide case studies on successes financial institutions have had utilizing analytically driven segmentation tools for deposits marketing. We also will cover best-practice marketing capabilities in terms of matching list selection to creative, closed-loop campaign analysis and campaign refinement over time.
    Intermediate – 1 hour

    Taking online targeting to the next level — leveraging online and offline data (8)

    As more and more organizations shift their marketing dollars online, they must learn new techniques to maximize their marketing investment. A key area of focus is ensuring that the right offer and message are reaching the right audience. Historically, online targeting has consisted of leveraging limited online behavior data that may not always be available. Learn how you can leverage the richness of offline data with the immediacy of online data, thereby significantly improving your ability to target the right offer and message to the right audience.
    All – 1 hour

    The next generation of credit underwriting — going beyond today’s decisioning (81)

    In the new economic reality, lenders must assess new dimensions of a consumer’s financial profile both at underwriting and throughout the credit life cycle. Lenders need to look beyond creditworthiness and willingness to pay and gain an understanding of stability, wealth and capacity to pay. Understand the data, tools and decision framework required to make effective underwriting decisions in the new economy.
    All – 1 hour

    Track 2

    Portfolio Management and Loss Mitigation

    Advanced tools for provisioning in a new age (53)

    With increasing regulatory presence in U.S. banks, federal regulators are applying considerable pressure to “stress test” or forecast loss rates within their portfolios in order to evaluate an organization’s financial health in deteriorating economic circumstances. During the darkest days of the credit crisis, stress testing was formally conducted for 20 of the largest banks. Now, many regional and midsize banks and credit unions are looking to implement similar strategies. This session will introduce loss forecasting strategies and implementation methodologies, as well as discuss specific tools, techniques and best practices to help optimize loan loss provision allocations.
    Expert – 1 hour

    Effective member management — loss mitigation best practices for credit unions (30)

    Credit unions are looking for tools and strategies to manage the increasing number of distressed borrowers. They also seek to automate manual processes across the credit life cycle to manage risk more efficiently and effectively. Combining process improvements with timely information and forward-looking risk tools provides a platform for managing and mitigating future losses. This session will discuss credit union best practices that should be deployed across origination, account management and collections to properly manage risk.
    All – 2 hours

    Identifying and addressing strategic default behavior among homeowners (31)

    AAs mortgage delinquencies and losses continue to grow, there is a greater focus on understanding an emerging new segment of strategic defaults (borrowers who default on their respective mortgages because the value of their homes has declined well below their mortgage amount). It has become especially important to accurately identify this new segment of borrowers, and risk managers are challenged with developing tools and strategies to help manage them. This session will detail a typical strategic default, outline a process for identifying this segment and provide effective treatment strategies for different delinquency behavior segments.
    All – 1 hour

    Predicting future card behavior — new trending and segmentation strategies that work (106)

    The credit card equation has changed. Are your customers behaving differently? Learn how leading U.S. companies are focusing on customer trending and segmentation strategies.
    Expert – 1 hour

    Retention strategies that stick (97)

    Effectively balance the risk reward paradigm in a new economy. As more lenders get back into prospecting and acquisition, this session will focus on best practices and tools to help retain the best and most profitable consumers, as well as demonstrate how to effectively monitor portfolios to determine when consumers are in the market or likely to leave.
    All – 1 hour

    Risk predictors — react quickly to dynamic customer behaviors to mitigate portfolio loss (107a)

    Today’s risk environment is dynamic. Due to the economic environment, many organizations have not enhanced existing decision capabilities. See what’s predictive in today’s environment compared with the past and how to leverage this data to identify potentially distressed consumers, allowing you to act quickly to minimize loss exposure. Also, learn how a hosted decisioning platform that employs a combination of next-generation risk triggers and standardized decision services allows an organization to leverage this capability — even with increasingly limited risk and technology budgets.
    Intermediate – 1 hour

    Track 3

    Collections and Recovery

    Collections in challenging times — proving what works (89)

    Allocation of scarce resources (including personnel and expense dollars) is more important now than ever before. Hear how Bay Area Credit Service uses advanced techniques to assess the relative strengths of various scoring and data enrichment providers. This session will highlight the company’s evaluation process and the dramatic results that have been achieved.
    All – 1 hour

    Collections roundtable — early stage (49)

    During this interactive question-and-answer session, a panel of high-performing collections experts will discuss how industry leaders are managing their businesses in the current economic environment, identify emerging business challenges and the best collections-related approaches to addressing those challenges, and enumerate collections best practices
    All – 1 hour

    Get paid first — proactive methods to determining the appropriate commercial collections treatment strategy (62a)

    Applying the same commercial collection strategy to an account can put you at a disadvantage with your competitors. This session focuses on using best-practice early-detection systems like portfolio monitoring and collectability models to help segment your population and increase proactivity regarding changes in your portfolios. By focusing on a specific treatment for accounts that are classified together, you can maximize resource time, reduce costs and maximize return on investment.
    All – 1 hour

    Increased risk, delinquency and collections in the credit union and community banking industries (80)

    Credit unions that have converted to community status from a more restrictive membership position are experiencing more collection issues with new members. These members don’t share the same characteristics as their historic membership base and are behaving differently. In addition, some credit unions and community banks are now more involved in indirect auto financing, and these loans are showing much higher delinquency and charge-off trends than direct auto loans. Lastly, an increase in mergers among credit unions means the combined entity is often taking on a portfolio of members completely different than the original member base. This session will highlight methods to overcome these challenges.
    All – 1 hour

    In response to this new environment, INTEGRIS has developed and implemented new strategies to manage its billing and collections process that include a sophisticated in-house collection model predicated on automation and segmentation.
    All – 1 hour

    Now is the time for a risk-based collections approach (56)

    Progressive organizations have started to shift away from time-based collections management activities (the 30-, 60- and 90-day bucket approach). Instead, their focus is migrating toward the development of collections strategies based on an individual’s underlying risk. The strategies examine how a customer is performing on all of the obligations in the total relationship to determine the likelihood of repayment and to identify the associated activities that can facilitate repayment. High-performing organizations have found they can’t rely purely on traditional models anymore because consumer behavior has dramatically changed. In this session, learn how organizations can successfully evolve to these modern practices.
    All – 1 hour

    Track 4

    Fraud Prevention

    Catch them if you can. Black-market and cybercriminals exposed (25)

    Everything from credit and debit cards to Social Security numbers are traded and sold online. Once sold, this personal information is just a few clicks away from fraud or identity theft, causing staggering costs for online merchants, issuing banks and consumers. This session will explain what personal information is sold online via the black market; how these transactions take place; and how to detect, deter or respond to these thefts.
    Introductory – 1 hour

    Catching fraudsters through early activity detection and account review (22)

    Lenders are becoming more successful at fighting off fraudsters by putting up defenses during the account opening process. As these defenses become stronger, fraudsters are finding other ways to perpetrate their crimes. Account takeover, bust-out and other types of fraud that cannot be easily detected at the point of application are becoming fraudsters’ preferred methods today. In this session, learn new techniques to help fortify your account management processes.
    Intermediate – 1 hour

    Demand Deposit Account authentication — closing the weakest link on fraud (16)

    Recent industry trends are driving financial institutions to focus on organic growth through Demand Deposit Account (DDA) openings, cross-sales in the branch and attrition reduction. Given this drive, how do you maximize fraud prevention? Join us to discuss industry trends in DDA authentication. During this session, we will examine how the Chase deposit risk group realized positive results that helped it achieve its business goals of real-time fraud decisioning on DDA applications online and in the branch, improved operational efficiencies and an improved customer experience.
    Intermediate – 1 hour

    How Experian can augment your fraud back office (19)

    Your pool of resources becomes increasingly strained each year. You’re asked to accomplish more with offshore staff, fewer development resources and a small number of analytic staff members. Experian® now offers professional services to assist clients in their technical and analytic needs. Attend this session and learn about the types of services offered — from custom models and decisioning, operational reviews, XML integration and customized user interfaces. Hear success stories that are applicable to your organization.
    All – 1 hour

    Identity theft 2010 — industry trends, victim profiles and consumer perspective (24)

    This informational session will explore industry trends and projections for the fastest-growing white-collar crime, identity theft. Identity theft experts will dissect the latest industry research, coupled with data and market insight from Experian’s Fraud and Identity Solutions group. Vulnerabilities of certain consumer profiles to identity theft and fraud will be explored, providing a valuable foundation for evolving fraud prevention and detection processes. We’ll conclude with a focus of the impact of this crime on our number one asset — the consumer — incorporating consumer viewpoints regarding identity theft as captured through direct-to-consumer surveys.
    All – 1 hour

    Red Flags Rule — transforming compliance challenges into business opportunities (21)

    Compliance with the FACTA Red Flags Rule covers a wide array of businesses and transactions. While challenges exist in creating a measurably effective and compliant Identity Theft Prevention Program, there also are opportunities to save money and win market share through efficient and cost-effective tools and targeted processes. Learn how organizations in two unique markets — health care and the automotive Industry — are turning mandatory programs into cost-saving and competitive differentiators. Take these successes and best practices back to your business and other addressable markets.
    All – 1 hour

    Risk-based authentication — improving performance with new methodologies (23)

    Knowledge-based authentication is maturing and is no longer as simple as passing or failing consumers using out-of-wallet questions. Experian’s studies have shown that new methodologies can increase performance significantly. In this session, you will learn about new trends and capabilities in knowledge-based authentication and how they can make a real difference in your fraud program’s effectiveness. You also will learn how risk-based scoring along with new capabilities (such as Precise IDSM) could impact your program.
    Intermediate – 1 hour

    Tackling small-business fraud (18)

    Gain insight into how organizations are tackling small-business fraud head-on, effectively prioritizing high-risk applicants and achieving significant savings that allow greater resources to be devoted to vital frontline services. This session will include the following:

    • Insight into the small-business landscape and fraud trends
    • Discussion of compliance challenges
    • Recommendations for developing a best-practices strategy
    • Recommendations for using a three-pronged system of data, analytics and technology to implement a holistic approach to small-business verification.

    Introductory – 1 hour

    Track 5

    Decisioning Strategies

    Aligning decision-making improvement initiatives with business goals and objectives (37)

    Enhanced decision-making capabilities can help your organization realize substantial business value by maximizing revenue, reducing losses and minimizing operational costs. Experian has identified 19 specific types of decisions that can be improved with data, analytics and enhanced decisioning capabilities. In this session, learn about an approach to identify, prioritize and implement decisioning improvement initiatives that will maximize value for your organization.
    Intermediate – 1 hour

    Bringing it all together to make better decisions — a success story (75)

    Michael Towers, Program Director for National Australia Bank (Scotland), will discuss how his bank is using an integrated platform to bring multiple Experian data sources together to deliver a single view into the lending process. This project successfully addresses lending processes that were previously fragmented; multiple, redundant handoffs; complicated paperwork; and inconsistent decision making.
    Intermediate – 1 hour

    Champion/Challenger — how to use a test-and-learn environment to realize business benefits (45)

    Using Champion/Challenger functionality and a test-and-learn approach is a proven method to deliver business value. During this session, you will learn about simulation capabilities, strategy design capabilities and Champion/Challenger functionality as a way to understand how to leverage Champion/Challenger capabilities to drive improved business performance. The session describes and illustrates the entire “test-and-learn” process, from conceptualizing the potential Champion/Challenger strategy through deploying the “Champion” strategy. A test-and-learn approach is not only appropriate for large sophisticated organizations with large analytical departments, but also for companies of all sizes.
    Introductory – 1 hour

    Creating and using an analytical sandbox to support improved decisioning capabilities (38)

    In today’s competitive environment, the ability to develop differentiated analytic capabilities is critical. This session describes and defines an “analytical sandbox” and explains how one can be used to help companies deliver improved business performance. Leading-edge companies are beginning to create these analytic sandboxes with components such as rich credit bureau data, attribute management functionality, strategy design software, optimization capabilities and other functionality to define and create new strategies.
    Intermediate – 1 hour

    Drive value by integrating and standardizing analytics into current decision processing (58)

    Although a priority in a market filled with risky customers, financial services organizations are having difficulty implementing new and more predictive analytics. Limited risk and technology budgets during the past few years have prevented the ability to increase analytical capabilities. Approaching analytics with a standardized attribute calculation service, which includes the most predictive set of leveled attributes available in the marketplace, the Premier attributes, allows our customers to more effectively integrate these capabilities across the organization. Once integrated, customers can leverage these analytics throughout their organizations with very little incremental cost of implementation.
    Intermediate – 1 hour

    HSBC’s global decisioning environment — a case study (110)

    Learn about HSBC’s global decisioning environment and the key factors the company considered when evaluating the purchase of an enterprise-level decisioning engine. Hear some of HSBC’s key technical considerations and how the company is implementing the new decisioning environment globally.
    All – 1 hour

    Understanding the role of technology market drivers on the development of new business capabilities — you don’t have to start big (59)

    Most financial services institutions are encountering pressures for cost containment. At the same time, they are experiencing pressure to increase revenues. This duality of core objectives forces many companies to “do more with less” in an age when various technologies can be more complex (and confusing). Based on industry expertise and market research, Experian will shed light on what our clients are asking for in terms of new technologies and processes. Through a series of high-level case studies, we will demonstrate how Experian Decision Analytics has been implementing in-demand products and services and will continue to provide this functionality for our clients as our products evolve.
    Intermediate – 1 hour

    Track 6

    Small Business and Commercial Banking

    Business credit data and its application to capital markets (42)

    Capital markets are beginning to see a deterioration in commercial mortgage-backed securities as businesses start to default on their loans. Experian's Business Information Services has data and analytics that can be leveraged to provide insight and transparency into the valuation and segmentation of assets backed by commercial mortgage loans. During this session, we will discuss market trends and the need for additional transparency, which can be actively addressed by data and analytics.
    Introductory – 1 hour

    Complete the picture — relationships that drive business risk management (14)

    Within a portfolio, there are often important relationships that are not in focus. Having a clear picture of these relationships and being able to leverage them creates actionable intelligence, allowing businesses to identify new business opportunities, develop comprehensive risk strategies, and perform more effective penetration and share-of-wallet analyses. These relationships include the link between parent and subsidiary and headquarters and branch, and the very important connection between small businesses and the personal guarantor. In this session, attendees will discuss the basics of corporate linkage and learn how linkage can help expand business opportunities and reduce risk within their portfolios.
    All – 1 hour

    Compliance — when you need it and when you don’t (26)

    It’s a compliance jungle out there. This session will provide an overview of business lending compliance regulations. We’ll address common misconceptions that have lenders chasing down unnecessary documents, resulting in lost time and money. You’ll learn how to use “intelligent workflow” and other tools to ensure regulatory and policy compliance and avoid costs when compliance is not needed.
    Intermediate – 1 hour

    “Democratizing” applications — how the new era of technology enables business and commercial credit applications (115)

    The processes and technology used in capturing data for Business Credit Applications is changing. Enforcing credit policy tracking throughout the application input and underwriting process can create efficiencies across the business lending group. How has RBC Bank used the new technology to impact their process? 

    • How has new technology changed the application paradigm? Dynamic applications versus paper (static) applications
    • The common competing objectives for internal initiatives are usability, credit quality, and simplicity
    • How RBC Bank has changed the application input process to meet the needs of the new technology landscape and the impact of those changes

    All – 1 hour

    Discover the benefits of implementing a culture of risk-based pricing (70)

    Risk-based pricing has been on the minds of the executives for most regional and community financial institutions for decades. There is little argument against its being the right thing to do from a profitability perspective. However, most institutions have not implemented risk-based pricing due to the immense cultural changes that are required to ensure that the pricing frameworks are successful. It has rarely seemed like the time was right to act on it.

    Given recent market conditions, though, many institutions should be seizing the opportunity to incorporate this change. Listen to executives from Ephrata National Bank (PA) discuss their journey to making risk-based pricing a way of business and how they are building on a pricing framework today, both culturally and systematically, that will provide excellent returns in the future.
    Introductory – 1 hour

    Helping small-business customers mitigate risk is a win-win situation for you (13)

    With small businesses representing 95 percent of all businesses in the United States, chances are a large portion of your credit portfolio comprises small-business customers. Providing tools and education to these small-business customers can help them manage their credit, which in turn will create positive results for you. In this session, we will highlight business credit related tools that small firms can use to mitigate risk and demonstrate how their risk management translates into a winning situation for you as you manage your portfolio.
    All – 1 hour

    Maximizing predictive performance at the point of origination and beyond (36)

    Generic small-business scorecards have been around for more than a decade, but nothing has challenged their performance more than the current economic downturn. In this session, we will review how generic scores, including Experian’s Small Business IntelliscoreSM, have performed over the past 18 months and help you determine how to select the scorecard that best fits your organization’s needs. You also will learn how data quality and matching capabilities, along with ongoing analysis and periodic validations of your scores, can impact score performance, help drive your decisioning strategies and decrease origination costs.
    Intermediate – 1 hour

    Rethinking business processes from the back office forward (33)

    Business banking products are looking more and more alike, making it difficult for financial institutions to win on product, or price, alone. How you deliver your products and services and manage your customer relationships are becoming the real keys to success in the “new reality.” The true costs of misaligned business processes, inefficient lending workflows and abundant non-value-added activities are draining resources needed to compete effectively in today’s market. In this session, we will begin to look at how American State Bank has built a business strategy that focuses on improving bad or antiquated processes — from the back office to the front door — with sound business processes that tangibly decrease costs at every stage while improving the quality of service offered to customers.
    All – 1 hour

    Duplication, validation, integration — leveraging disparate platform providers for a common goal (40)

    Many financial institutions are using multiple providers within a single vertical to meet a common goal. This is the case with BankAtlantic (Florida). The bank’s small-business lending team uses Baker Hill® Bank2Business® for underwriting and Salesforce.com for Customer Relationship Management. In this session, attendees will hear a case study about when and why enterprise integration is justified, how to use it to reduce internal costs and redundancies, and how to avoid its pitfalls.
    All – 1 hour

    The future of scoring in small-business renewals (63)

    Historically, small-business loan renewals were virtually automatic. The risk of default was low, and there was not much analysis performed. Now, an increasing number of lenders are adding layers of analysis in the spirit of due diligence and protecting quality — but at a cost. A financial institution can optimize its renewal process by using scoring models that have higher levels of standardization and predictability. By doing so, organizations can reap not only the benefits of a sound portfolio, but also establish a foundation of strong credit training for the future.

    In this session, attendees will learn what they should look for in establishing renewal standards and how scoring can be a part of that process. The session also will highlight how financial institutions can optimize the mix of scoring and judgmental reviews to ensure a sound renewal decision, without additional costs.
    Intermediate – 1 hour

    The not so perfect storm — navigating uncharted waters in commercial risk management (9)

    The current economy has presented some of the most difficult and challenging circumstances in generations, causing risk managers to find themselves navigating through completely foreign territory. Small businesses that have consistently paid their bills on time are suddenly filing bankruptcy or closing their doors for good. In this session, we will spotlight tools and techniques designed to customize credit policy to the specific needs of your small-business portfolios.
    Expert/Intermediate – 2 hours

    The power of portfolio benchmarking (11)

    How important is it to measure how your portfolio is performing relative to your peers’? This session will provide practical insights and industry best practices on how portfolio benchmarking can be used to identify hidden risks and emerging opportunities and to measure your performance compared with your competitors’.
    Intermediate – 1 hour

    Transforming your business banking teams into high growth performers (66a)

    Star Bank has grown during a period when many other institutions have contracted. In the face of the financial crisis, Star Bank has successfully redesigned its business banking teams, has grown its business loan portfolio and has maintained a quality standard that most other institutions would envy. In this session, attendees will learn key factors that drove this success. Attendees will also learn the steps that were taken to tap the full potential of Star's business bankers and customer relationships to get results beyond expectations.
    All – 1 hour

    Triaging your business portfolio to minimize losses and identify opportunities (35)

    Your small-business loan portfolio has a high percentage of low-dollar relationships. While the industry has identified the small-business segment as one of the most profitable, the traditional methods for underwriting, portfolio management and business development have kept most financial institutions from realizing the promise of that profitability. In this session, attendees will hear directly from the leaders of three financial institutions that have successfully triaged their small-business loan portfolios to minimize losses and identify opportunities.
    Intermediate – 1 hour

    Uncover suspect commercial real-estate accounts before they become losses (67)

    Commercial real estate (CRE) has long been touted as the next likely "shoe to drop” as a result of current economic conditions. While there are a variety of opinions on where CRE is heading, one thing is certain: Where there are big opportunities in CRE, there is also the potential for big losses. How do you identify those potential losses and turn around the situation before it is too late?

    The traditional CRE banker has taken on many new roles — from portfolio manager to tenant manager to business partner. In this session, attendees will learn what has enabled lenders to effectively manage CRE portfolio risk and how to leverage processes, analytics, and products and services to minimize CRE losses. Included in the discussion will be a look at emerging risk rating models that represent the next evolution in commercial real estate portfolio management and origination.
    Intermediate – 1 hour

    Track 7

    Analytics and Insights

    Avoiding the pitfalls of risk-based pricing (69)

    This session will focus on the common pitfalls clients experience when establishing a consumer and small-business risk-based pricing program. We will discuss the regulatory, analytical, operational and cultural issues at play. Focus will be placed on understanding that there is an optimal mix of bookings and prices to ensure profitability after costs, as well as how to monitor the program to maintain profitability. The session also will explore the importance of implementing a culture that accepts and benefits from the discipline of risk-based pricing.
    Intermediate – 1 hour

    Changing financial attitudes in a rapidly changing marketplace — timely insights are more critical than ever (7)

    As marketers continue to dig out of the recession, timely insights into consumer financial attitudes, outlook and buying patterns are more critical than ever. Leveraging weekly insight from Experian Simmons DataStreamSM, this session will provide a trend analysis across an array of economic, financial, lifestyle and attitudinal measures describing consumer behavior. Unique trend and comparative insights will also be examined for Hispanic and non-Hispanic populations and their usage of financial services (including the underbanked population).
    All – 1 hour

    Consumer deleveraging insights (111)

    Are consumers deleveraging? Are certain loan types more affected than others? What trends are expected in the coming months and years? What are the impacts for financial institutions? Come hear this groundbreaking research being released by Experian and Oliver Wyman for Vision Conference attendees.
    All – 1 hour

    Credit union industry trends — a discussion of the past, present and future by the numbers (47)

    The credit union industry has seen an amazing shift in trends over the past two years. Are all of the trends negative? Can the industry recover? Is it really that bad? This session will review credit union–related trends in consumer, mortgage and small-business lending segments to see what the future holds for these fundamental lines of business. The session also will review the other side of the balance sheet by looking at deposits to understand consumer behavior in these challenging times. This session is presented by a popular speaker from CUNA who has been analyzing the credit union industry for 10 years.
    Intermediate – 1 hour

    Hierarchy of payments — what do consumers value? (50)

    A few years ago, there was a heated debate over the priority in which consumers paid their mortgage or auto loan. How have the recession, rising unemployment and plummeting home values affected this hierarchy? This session will examine the payment hierarchy and how things have changed since the recent economic fall.
    All – 1 hour

    How to guarantee a successful redevelopment of an organization’s suite of custom scoring models (52)

    This session will illustrate the following criteria needed to guarantee an optimal model redevelopment:

    • Creating a solid business case for model redevelopment across your entire business
    • Factors to consider when selecting the best scoring vendor for your organization and developing a long-term partnership with them
    • The process needed  to develop the most predictive scoring models

    Leaders from our top banking industry clients will offer their testimony on the criteria above and provide examples of their success in developing custom scoring models across their businesses.
    All – 1 hour

    Insight and actions — considering new market dynamics to successfully position your business for the future (51)

    This session will provide a comprehensive overview of current market trends and their impact on each area of the credit life cycle: new account acquisitions, customer management and collections. Insight from the Experian–Oliver Wyman Market Intelligence Reports (consumer credit trending behaviors) will be tied to key macroeconomic indicators in order to extrapolate trends into the future. Best practices will be provided, including the overlay of additional data elements and data integration across lending functions, improved granularity and precision of analytics across decision points, and a strategic focus on customer management and collections highlighting new approaches to assessing total risk and lifetime value.
    All – 2 hours

    Late-breaking insight into new and used vehicle loan performance (6)

    The automotive finance market has evolved dramatically over the last two years. This session will shed light on the current state of the automotive market, focusing on how new and used vehicle loans are performing. Special attention will be paid to performance information around vehicle type (new, used, segment) and loan characteristics (term, rate, balances).
    All – 1 hour

    Making your credit scores work for you (68)

    Do you understand how to extract the full value from your consumer credit scores? Questions such as the following are common: Is the score still working? Is this the right score for me? What do I do with this score? In this session, learn how to analyze and validate your scores to determine if they are working for the organization and what steps to take based on the outcome of that analysis. Answer questions such as the following: Can I automate more of my decisions? Should I be using a different score? What impact do overrides have on the performance of my score? Where do I go from here: dual score matrix and custom models?
    Introductory – 1 hour

    Preparing your business for the economic upswing (10)

    With the economic downturn bottoming out, it’s time to look for business segments that are best positioned to perform from a risk perspective. In this session, we will share a fresh analysis that can help you identify attractive segments so you can get ahead of the curve and benefit from the improving economy.
    All – 1 hour

    Score migration — strategies for turbulent times (57)

    It is no secret that consumer credit scores migrate over time. The volatility of scores has a direct impact on portfolio management strategy in terms of score refresh cycles. This session will quantify score migration trends over the last five years, contrasting trends during the recession against more stable times, and assess the impact of delaying the between score updates on risk prediction. The session also will evaluate whether trends in migration can improve risk assessment, as well as identify subpopulations at risk for greater score volatility.
    All – 1 hour

    Strategic prediction of mortgage foreclosure (99)

    Mortgage foreclosure is increasing at an alarming rate. It is critical for lenders and servicers to understand the potential risks in their portfolios and to consider proactive options prior to the event. In this session, learn how combining credit and additional data sources provides the greatest indication of which property owners are headed toward foreclosure.
    Intermediate – 1 hour

    The latest U.S. consumer credit trends — risks and opportunities (54)

    Be the first to hear the latest consumer and lending product credit trends based on extensive analysis being released just for Vision Conference attendees. With insight gleaned from a special release of the Experian–Oliver Wyman Market Intelligence Reports, you will leave this session with a better understanding of the composition of today’s national consumer credit market, identified areas that you should have “on watch” and the ability to uncover opportunities for growth and market expansion.
    All – 1 hour

    Understanding credit scoring behavior given recent credit challenges (72)

    This session initially will focus on an overview of current market trends and how they may impact strategies for lenders. VantageScore LLC will provide more in-depth insights into the impact on credit scores due to credit line decreases, the payment hierarchy given real-estate events, and score volatility and consumer profiles. These additional insights will allow you to fine-tune your acquisition and account management strategies for a more profitable portfolio.
    All – 1 hour

    Understanding small-business risk through the economic down cycle (12)

    While the economic downturn has claimed many high-profile casualties, the effect on small businesses has not been well-documented. This often has led to small businesses all being painted with the same “risk brush.” In this session, you will see how different segments of the U.S. small-business population weathered the storm, and you’ll receive practical suggestions for spotting risk and opportunity.
    Intermediate – 1 hour

    Track 8

    Hot Topics

    Experian consumer credit default indexes — an introduction (44)

    Experian Capital Markets has worked to launch a series of consumer credit default indexes that measure new defaults on a composite level as well as in auto, first mortgage, second mortgage and bank cards. These indexes provide valuable benchmarks and indicators to determine the overall health of the U.S. consumer. In this session, find out why these indexes were created, how they are calculated and how they differ from the other types of default indicators in the market today.
    Introductory – 1 hour

    Managing your dealers in today’s tough automotive market (5)

    Join us for a discussion about how lenders are developing new strategies for managing their automotive dealer program. Learn how top lenders acquire and manage their dealers in today’s tough dealer market. Areas discussed will include new tools to monitor dealer performance, including market intelligence, efficiencies, fraud and collateral management.
    All – 1 hour

    Microclimates of economic recoveries (100)

    Recession has hit all of America and the world economy. However, there are pockets of recovery, but not all geographies will recover at the same rate. Lenders will want to understand the “microclimates” of recovery and target investments and efforts accordingly. Focus on which segments are expected to weather the economic storm better than others. Determine where the growth opportunities continue to exist. This session will provide insights into the factors and determinants of economic recovery and look at predicting recovery rates by microgeographic segment.
    All – 1 hour

    Mortgage underwriting trends — How will underwriting standards change, and how will this impact the government?

    This panel discussion will look at mortgage underwriting in a constrained lending environment. Experts will explore:

    • Changes to underwriting standards over the past 12 months.
    • The impact on government programs and how they have changed underwriting and the availability of credit.
    • How will government pressure to lend affect underwriting in the future?
    • Can credit quality and credit extension be appropriately balanced?
    • Has loan modification eligibility had an impact on underwriting practices?

      • All – 1 hour

    Preparing for your next regulatory examination — using analytics to support your decision system (74)

    Learn important steps you can take now to prepare for your next regulatory examination. Understand how to analyze key components of your decision system — prior to the exam — in order to provide hard analytics to support the system you have in place. These analytics can focus on scores, policy rules, overrides and how your risk-based pricing tiers compare with the market. Provide confidence to your examiners by showing that you understand the impact of your decisions on individual consumers and the overall health of your financial institution.
    Intermediate – 1 hour

    The Credit CARD Act and how it impacts your business (73a)

    A lively presentation and discussion with a panel of experts will tackle the implications of the Credit Card Accountability Responsibility and Disclosure Act of 2009 and other proposed bankcard legislation. Resulting trends and promising solutions also will be explored. This will be a great opportunity to ask your peers, Experian’s Government Affairs team and subject matter experts probing questions about current events in the industry.
    All – 1 hour

    The use of consumer credit data and analytics in mortgage- and asset-backed securities (41a)

    The capital markets space is showing signs of life after almost two years of decline. The past several months have seen new issuances of mortgage-backed and asset-backed securities with new reporting standards, including elements of Project RESTART (the industry’s project to inject liquidity and integrity back into the structured finance space). Learn how consumer credit data and analytics play a critical element in these new issuances, providing predictive insight into the payment behavior of the consumers underlying these assets.
    All – 1 hour

    Top business drivers, strategic responses and IT initiatives in consumer lending

    "When and how can our institution start lending again?" is the question voiced by many financial services institutions. The effects of the global credit crisis will continue throughout 2010. However, even in an uncertain economic and regulatory environment, lenders must be able to lend to support healthy economies with appropriate levels of monetary infusion. Financial services institutions need to plan for more change while strategizing and retooling for current transformations. During this session, a senior analyst from TowerGroup will provide a map of the current macroeconomic and business landscapes and address some of the key concerns facing consumer lenders today. The session also will address the strategic responses and supporting technology initiatives lenders must put in place to position themselves for recovery.
    All – 1 hour

  • © 2010 Experian Information Solutions, Inc. All rights reserved.