You Can't Afford to Miss the 2009
CreditCRM Members Conference

Ms. Manniello earned her place among top women business executives by combining her entrepreneurial collection and credit repair focus with years of expertise working within the fast-paced, rapidly evolving and technologically complex world of financial services.

In her most recent role at TransUnion, Ms. Manniello was responsible for forging new, long-term partnerships with potential business partners as well as enhancing relationships with current clients. She helps improve existing partnerships by thoroughly analyzing clients' current accounts receivable and customer relationship infrastructure and determines how to improve their operations and increase their bottom line through additional service and product offerings from TransUnion.

Denise served most recently as Senior Vice President for NCO Financial Systems Inc., the world's leading provider of Business Processing Solutions (BPO) including call center services.

Ms. Manniello is a highly respected expert in her field, and as such regularly contributes to several publications, including Credit and Collections Risk magazine, Success magazine and Working Women magazine, and often appears as a guest speaker on cable programs such as Money Talks. She is also a founding member of the ACA International's Creditor Task Force, a worldwide trade organization of credit and collection professionals, which helps inform and educate over one million credit grantors about new and pending legislation affecting the lending industry.

Prior to NCO, Manniello held executive positions with: American Express TRS, Philip Morris Incorporated and Citibank, N.A.

Denise holds a Bachelor of Science in Economics and Finance and a Master's in Business Administration and Management from Fairleigh Dickinson University.

Dominic has received many awards in the Air Force for being one of the top analytical minds in his career field, including, but not limited to, Logistical Professional of the Year and PACAF Outstanding Maintenance Support Systems Performer of the Year.

Dominic brought this integrity and honor into the credit restoration industry. Recognizing the importance of this industry and the need for an ethical company, Dominic founded HTDI Financial in 2004. Since its inception, HTDI Financial has revolutionized the credit repair industry with its groundbreaking results and by developing the state of the art tracking system, the HTDI Tracker, which turns employees of credit repair companies into the productivity of three.

HTDI Financial has been seen featured in the Scotsman Guide, National Mortgage Broker Magazine and has been the top supporter of the Arizona Association of Mortgage Broker conventions for the past three events. Through its experienced and knowledgeable staff, HTDI Financial offers free advice through "Do it Yourself" forums such as BrokenCredit.com.

With his desire to create and streamline processes of competitor companies along with a relentless will to teach, Dominic along with other industry leaders formed the National Association of Credit Services Organizations, which has become the home for honest and ethical companies.

Sarano was co head of training for the elite "high net worth" producers at Kidder Peabody, a top Wall Street firm, he then went on to become Vice President of Professional and Management Development for leading producers and the CEO of Paine Webber. As the corporate spokesman for Phoenix Investment Partners, a $50 billion financial institution, he addressed 50,000 people annually. He travels extensively, both domestically and internationally, and is often invited to give keynote speeches for Fortune 500 companies. Sarano as a motivational speaker and life coach has trained more than 250,000 people. He served as a media coach for leading corporate and government spokespersons who were being interviewed on CNN, 20/20, and 60 Minutes; and for President Clinton's White House Fellows, a leadership group that included General Colin Powell.

Sarano's unique coaching method, detailed in his book, and his extraordinary level of bottom line results has given him one of the top ratings for improved organizational performance on Wall Street. He holds the record for the largest single productivity increases on Wall Street utilizing his unique coaching approach.

Sarano has been rated as the number one speaker at the Securities Industry Association for several years running by the Wharton School of Business. Sarano has appeared on many television shows including "Good Morning America" and his not for profit foundation applies the same principles to schools across the nation and in his own ABC TV primetime television special for children called "The Game: Winning at Life". Sarano lives on the beach in Santa Monica, CA with his wife Brooke and two daughters.

Bio: With over 19 years of credit experience, Angela Setters Bessard will educate you about the ins and out of the credit industry and how it effects your lifestyle. She is a well known and dynamic speaker who will delight you with success stories of past clients, problems encountered by our team, tips on raising your credit score, and an opportunity for participants to ask questions from the expert!

Credit Expert Panel

Todd Duncan is the New York Times Bestselling author of Time Traps and High Trust Selling and one of the mortgage industry's most popular motivational speakers and trainers. Audiences praise his authentic, balanced approach to success. Todd has become a friend and trusted mentor to branch managers and loan reps around the country who are seeking to achieve success without sacrificing the things they value most.

From his own experience and with the help of notable mentors, Todd has learned how to preserve his values amidst the pursuit of a satisfying career by creating a roadmap toward a more balanced and abundant life.

Since Todd's first book, The Power to Be Your Best, he has written eight more including the Wall Street Journal and Barnes & Noble Bestseller, High Trust Selling: Make More Money in Less Time with Less Stress. His most recent release, Time Traps: Proven Solutions for Swamped Salespeople, became a New York Times Bestseller in March 2005, six weeks after its release.

Todd and his wife, Sheryl, have two sons and live in La Jolla, California.