Julie Conroy
Research Director of the Retail Banking & Payments
Aite Group

Julie Conroy is research director for Aite Group’s Retail Banking practice and covers fraud, data security, anti-money laundering, and compliance issues.

Ms. Conroy brings to Aite Group more than a decade of hands-on product management experience working with financial institutions, payments processors, and risk management companies. Most recently, she was a senior vice president of product management with Golden Gateway Financial, where she developed and managed new financial services lines of business. Prior to that, she was vice president of product solutions with Early Warning Services, where she managed a suite of fraud-prevention services that provided clients with more than US$1 billion per year in loss avoidance. Under Ms. Conroy’s leadership, Early Warning launched multiple new solutions to successfully detect and prevent fraud; further, Ms. Conroy was a key member of the team that facilitated the spin-off of Early Warning Services from First Data Corporation to Bank of America, JPMorgan Chase, Wells Fargo, and BB&T. She also led operational process improvements for NextCard, identifying points of compromise and implementing solutions to reduce fraud and operational expenses. She began her career as a research analyst at E-Offering, where she analyzed online financial services and risk management firms. Ms. Conroy has presented at numerous risk management conferences, including BAI Payments, NACHA, the Members United Economic Forum, MasterCard Global Risk Symposium, and various vendor user conferences. She has been quoted in numerous media outlets, including The Wall Street Journal, U.S News and World Report, American Banker, SmartMoney, and NPR.

Ms. Conroy holds an M.A. in International Policy from the Monterey Institute of International Studies and a B.A. in Business Administration from the Michigan State University Honors College. She is fluent in Spanish and working hard to learn French.

David Britton
Vice President, Industry Solutions
Experian

As one of the very first Internet fraud investigators, David Britton played central roles in the development of cutting edge fraud prevention technologies with several leaders in the E-Commerce space including OnSale.com and Egghead.com. He brings a wealth of experience to his current position and a unique insight into the criminal methodology behind Internet payment fraud.

At OnSale and Egghead, David was responsible for significantly reducing and maintaining some of the lowest fraud loss numbers since the companies' inception. And at a time when most merchants had not yet contemplated fraud prevention tools, he was already encouraging the implementation of an expert investigative team and the creation of systems and processes to combat fraud.

Prior to joining Experian, David was a private consultant to various fraud prevention enterprises and the former director of training at CrediView, Inc., where he developed Internet fraud prevention training courses for merchant fraud and customer service teams. He has been a featured speaker at industry events, and has authored numerous papers concerning anti-fraud measures.

Mike Klumpp
Director of Fraud Prevention
Citibank N.A.

Mike Klumpp is Director of Fraud Prevention for Citi’s, Citi Branded and Citi Retail Service Cards businesses as well as the U.S. Consumer and Commercial Bank. Mike has more than 25 years of fraud management experience and is currently responsible for Fraud Loss forecasting, Customer Authentication, On-line/Mobile Fraud Policy and Internal Fraud Detection Operations. Mike holds a degree in Finance from Iowa State University and is based in Sioux Falls, SD.

Keir Breitenfeld
Vice President, Product Management
Experian Fraud & ID

His responsibilities include stewardship of Experian’s comprehensive suite of consumer and commercial authentication and fraud management products and services. Keir has been with Experian for nine years, and brings with him a diverse set of experiences including fraud operations management, risk management consulting, project management, and marketing.

His background prior to joining Experian in 2005 includes serving as a director of product management with both HNC Software and Fair Isaac Corporation, and leading fraud detection and prevention units at Fleet/Advanta Credit Card Services and Capital One Financial Corporation.

Prior to entering the financial services arena, Keir served in the U.S. Navy as a surface warfare officer aboard the guided missile frigate, USS Estocin (FFG-15). He holds an MBA Degree from Duke University’s Fuqua School of Business, and a BS Degree in Criminology from Auburn University.