Jane is the general counsel of REALTORS Federal Credit Union. Her experience includes being a partner with the Rochdale Group and EVP with Counter Intelligence Associates where she specialized in consulting and compliance training. She was also the senior compliance counsel for the National Association of Federal Credit Unions and director of their regulatory compliance department. Jane is a former credit union CEO and has held various credit union executive positions.

Woody is a Credit Union Compliance Expert (CUCE), Bank Secrecy Act Compliance Specialist (BSACS), and is the national compliance manager for Addison Avenue Federal Credit Union (formerly HP Employees FCU) in Palo Alto, California. Addison Avenue FCU serves employees of Hewlett Packard, Agilent Technologies, Philips Electronics, and several other related employers in the United States and Puerto Rico. Prior to accepting his current job, Woody spent 17 years at HP Rocky Mountain Federal Credit Union in Loveland, Colorado which eventually merged with the other HP credit unions to form Addison Avenue FCU. He spent three years as an agent for CUNA Mutual in northern Colorado prior to starting his management career with credit unions. Woody has been involved in credit union management, operations, marketing, and compliance issues for more than 30 years. He is a graduate of Western CUNA Management School in Pomona, California. He is a 1980's graduate of CUNA's Regulatory Compliance School and attends annual update sessions to stay current. Woody has lectured to many groups about bankruptcy, the Americans with Disabilities Act, financial counseling, home banking, and risk-based lending. Woody is a charter member of the National Credit Union Institute and earned the Dean's List with Highest Honors designation.

Joy recently assumed the position of director of supervision in the office of examination and insurance with the National Credit Union Association, where she started as an examiner in Dallas, TX in 1987. She has served the agency in several positions including supervision analyst, problem case officer, supervisory examiner, associate regional director of operations for Region 2, and associate regional director of programs.

Mary-Lou has been involved in the credit union movement since 1989. She has been involved in all areas of credit union operations: general operations, marketing, collections, lending, and compliance. She is a CUNA certified Credit Union Compliance Expert (CUCE) and is president of Compliance Plus, Inc., which provides strategic planning, training, compliance, and consulting services to credit unions. Mary-Lou was the senior research and information consultant for the California/Nevada Credit Union League for seven years, and since founding her company in 2000, has provided training for credit unions and leagues around the country. Prior to her tenure at the league, she spent five years in the credit union trenches.

Franklin Drake joined the Raleigh, North Carolina law firm of Smith Debnam as an partner in April of 1994, after a 16 year practice specializing in creditor's rights, bankruptcy, and repossession law with William Mapother in Louisville, Kentucky. He was senior vice president of Mapother's law firm and is an owner of Smith Debnam.

Mr. Drake has practiced extensively in North Carolina, Kentucky, West Virginia and the federal courts of southern Indiana. He lectures frequently at practical skills courses for attorneys and paralegals, and at bankruptcy and compliance training programs for NASCUS, regulatory agencies and state credit union leagues across the country. He has published a number of articles on bankruptcy and collections law over 20 years.

For the past 29 years, he has advised and represented most of the nation's major financers on secured lending and bankruptcy matters. He has specialized in representing credit unions for more than two decades.

David A. Reed, founder of CU Doctor, is an author, consultant, and nationally recognized speaker. He has nearly two decades of collections and bankruptcy experience representing both debtors and creditors. He is a former bankruptcy attorney, vice president, and general counsel for a large credit union.