Melinda Zabritski, Senior Director of Experian Automotive

Melinda Zabritski is Senior Director for Experian automotive financial solutions team, where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends. Throughout her career with Experian, Zabritski has overseen the product management for Experian Automotive’s lending channel, as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Prior to joining Experian in 2004, Zabritski held various product management and analyst positions in the credit industry, where she managed and developed credit risk models and market trending and forecasting tools. During that time, she also was responsible for managing prescreen and account management product lines. Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, Ariz., and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, La.

John C. Redding, Partner at Buckley Sandler LLP

Through his more than 25 years of in-house and private practice experience, John C. Redding has been able to form close working relationships with clients and develop a reputation for providing practical solutions to complex challenges. A Partner in Buckley Sandler LLP’s Los Angeles and San Francisco offices, Mr. Redding spearheads the firm’s Auto Finance practice and assists a variety of consumer lenders, banks, and other financial services industry participants in addressing legal and business challenges in an efficient and collegial manner. Before joining Buckley Sandler, Mr. Redding served as General Counsel and Associate General Counsel to several financial services and software companies where he ran in-house legal operations, engaged in corporate restructuring projects, and managed large-scale litigation. As Associate General Counsel for Accredited Home Lenders, Inc., Encore Capital Group and Midland Credit Management, Inc., he oversaw regulatory compliance, loan origination, servicing, and debt collection matters.

Lance James of Flashpoint

Lance James is an internationally renowned information security specialist. He has more than 20 years of experience in programming, network security, digital forensics, malware research, cryptography design, cryptanalysis, counterintelligence, and protocol exploitation. He provides advisory services to a wide range of government agencies and Fortune 500 organizations including America’s top financial services institutions. Credited with the identification of Zeus and other malware, James is an active contributor to the evolution of security practices and counterintelligence tactics and strategies.Mr. James was the founding force behind the CryptoLocker Working Group, where he and his team of researchers were acknowledged for their critical role in disrupting CryptoLocker as part of an FBI-led takedown operation. Over the years, he has championed other takedowns of criminal organizations through his strategic alliances with industry, academia, and law enforcement. Lance also founded one of the first cyber threat intelligence companies, Secure Science Corporation, which pioneered innovative service lines that set standards in the information security industry. This forward thinking organization housed many of the brightest and best information security practitioners that are leaders in the community today. Lance James currently serves as Chief Scientist where he oversees Flashpoint’s research and development and engages in thought leadership. Previously Mr. James was the Head of Cyber Intelligence at Deloitte where he successfully spearheaded the creation of a world-class Cyber Threat Intelligence capability.