EMERGING ISSUES TRACK: Data Breach Crisis - a "How To" on Next Steps and Best Practices

Chief Security Officer, Digital Silence

With nearly two decades of progressive IT and Cybersecurity experience, Arnel has developed and supported comprehensive cybersecurity programs around the globe within multiple organizations across various industries. Focused on aligning compliance, reducing risk, and partnering with key stakeholders to meet business operational objectives. Leading and building world-class cybersecurity professionals to tackle adversaries, keep operations smooth, and grow the maturity of cybersecurity programs is Arnel's key focus. Reporting to executive leadership and the board of directors on the health and status of the cybersecurity program through the art of storytelling.

Managing Partner, Garris Horn LLP

Troy Garris is Co-Managing Partner of Garris Horn LLP. A business owner’s lawyer, Troy prides himself on a results-oriented, pragmatic approach to legal and compliance for mortgage companies and banks. Troy deals with federal and state compliance, regulatory enforcement defense, company formation, and mergers and acquisitions. In these areas, he represents independent mortgage bankers, community banks, lenders, servicers, builders, title companies, secondary market investors, and equity funds. He is frequently involved in matters involving LO Compensation, RESPA, TILA, Fair Lending, FHA, social media marketing, and other issues, and appears in matters before the CFPB, HUD, FTC, and state banking agencies.

Chief Legal Officer and Enterprise Risk Officer, MLD Mortgage Inc. d/b/a The Money Store

Corporate legal counsel, with over 25 years legal, compliance, and risk management experience in financial services. Exceptional expertise in financial services industry successfully handling multiple responsibilities, managing litigation, overseeing outside counsel with total attention to detail and follow-through, in fast paced rapidly evolving environments. Skilled at negotiating agreements, advising on legal aspects of financial laws and regulations such as TILA, including QM/ATR, LO comp, and TRID, RESPA, ECOA, FCRA, HMDA, fair lending, licensing, compliance auditing, marketing, advertising managing regulatory and consumer complaints, federal, state, and investor exam management, due diligence, compliance risk assessments, enterprise risk management.

Chief Information Security Officer, Veterans United Home Loans

Randy Raw is Chief Information Security Officer at Veterans United Home Loans in Columbia, Missouri. VU is the largest VA lender and a top 20 overall lender. He has nearly 30 years of experience building cybersecurity programs in public and private organizations. Randy is a proponent of risk-based, layered security measures utilizing both preventative and detective approaches. He owns a coaching business where he coaches emerging and successful Cybersecurity professionals and leaders. Randy is a CISSP and has spoken at many local, regional and national conferences on technical and leadership topics.