Norma M. Krayem Senior Policy Advisor, Holland & Knight

Norma Krayem is a senior policy advisor in Holland & Knight's Washington, D.C., office and chair of the firm's Global Cybersecurity and Privacy Policy and Regulation Team, as well as a member of the Public Policy & Regulation Group. Ms. Krayem provides strategic advice on key issues in a range of areas, including homeland security, transportation, defense, international trade and environmental, as well as appropriations issues for all aspects of critical infrastructure. She also focuses on the impacts of cyber and privacy issues on the banking and financial services, energy, communications, health, transportation and other critical sectors. Ms. Krayem has more than 20 years of experience addressing major issues within the national policy-making arena and has worked both in and with state, local and federal governments, as well as Fortune 500 clients to develop strategies designed to build and maintain a competitive edge.

During her extensive career in Washington, D.C., Ms. Krayem has held executive-level positions in the U.S. Departments of State, Commerce and Transportation, and was a consultant at the Federal Emergency Management Agency (FEMA). She has provided key insight and guidance to major officials at the White House, in Congress, and at state and local levels around the country. Ms. Krayem has worked closely on the passage of significant homeland security, transportation and trade legislation, including the creation of the U.S. Department of Homeland Security (DHS). During her tenure working with these agencies, she was involved in nearly 100 bilateral trade and aviation-related negotiations as well.

As deputy chief of staff at the U.S. Department of Transportation (DOT), Ms. Krayem provided strategic oversight and advised the secretary on domestic and international policy, regulatory, legislative, budget, safety and security issues impacting the aviation, maritime, rail, highway, transit, pipeline and motor carrier sectors. While at DOT,  Ms. Krayem also served as the chief of staff and acting deputy administrator of the Federal Railroad Administration at DOT. There, she focused on freight railroad safety matters, Amtrak, high-speed rail corridors and maglev issues, in addition to broader passenger and rail matters. Ms. Krayem served as the director of special projects at the U.S. Department of State working on the G7 the first year Russia was allowed to attend the Summit (later known as the G8). She worked directly with the member countries on the planning and implementation of the G7, which included Canada, France, Germany, Italy, Japan and the United Kingdom, as well as Russia.

Ms. Krayem has also held various senior positions at the U.S. Department of Commerce, within both the Office of the Secretary and the International Trade Administration. During that time, she focused her efforts on counseling state and local government, as well as private sector companies, on exporting fundamentals, which included identification of export finance opportunities with partner agencies such as the Export Import (EXIM) Bank and the Overseas Private Investment Corporation (OPIC); understanding export controls governed by agencies such as the Bureau of Industry and Security (BIS); and helping companies find matchmaking opportunities around the globe.

Ms. Krayem works on a daily basis with the executive branch, Congress and the White House on a host of matters, including those pertaining to the U.S. Departments of State, Homeland Security, Commerce, Defense, Treasury, Housing and Urban Development, Education, and the Environmental Protection Agency, among others. She also works extensively with key congressional committees, including Armed Services, Appropriations, Banking, Commerce, Foreign Relations, Homeland Security, International Affairs, Judiciary, Transportation and Infrastructure, and Ways and Means.

Ms. Krayem uses her diverse and comprehensive experience to help public and private sector clients navigate complex national and international issues. Having worked on more than 100 bilateral and multilateral agreements during her career, she helps private sector clients navigate the intricacies of international diplomacy and substantive policy challenges. Ms. Krayem introduces leading-edge approaches and tools to clients in order to help them think about economic development and infrastructure development through the use of innovative finance, public-private partnerships (P3), and intermodal and multimodal development. Ms. Krayem also works with Fortune 500 clients to understand and integrate in dynamic technology solutions, such as the use of FinTech, multifactor authentication tools and to understand the policy and regulatory regime that goes with these solutions. Using her knowledge of the ongoing use of "Big Data" and the "Internet of Things," she helps clients focus on gaining a broader awareness and understanding of the need for both "privacy by design" as well as "security by design."

Ms. Krayem has extensive experience dealing with a number of national security issues, including those involving port, cargo and supply chain security; international aviation; emergency communications and interoperability needs; emergency preparedness and response capabilities; border security issues; the Committee on Foreign Investment in the United States; avian flu and pandemic preparedness; as well as U.S.-VISIT and other biometric-related programs.

Ms. Krayem began her career in Connecticut working for the speaker of the house and deputy majority leader, where she focused on higher-education issues, banking and financial services, as well as broader economic development issues. She is a veteran of five presidential campaigns and two presidential inaugural committees.

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Join us in Los Angeles for 2018 AFSA Annual Meeting! This conference brings together the industries top leaders, innovators, experts and change makers. We’ll explore the ever-evolving landscape of challenges and opportunities in consumer lending. Receive the latest on the political landscape, compliance and regulatory challenges, business trends, and enjoy plenty of unique networking opportunities with senior industry professionals. Sessions will cover the overall industry challenges as well as operational issues relevant to specific market sectors.

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  THE PROGRAM  

Subject to change

5:30—7:00 p.m.
REGISTRATION DESK OPEN
 COFFEE SPONSORED BY DIMONT 
 WIFI AND CONFERENCE APP SPONSORED BY AUTOGRAVITY 
 LANYARDS SPONSORED BY WHITE CLARKE 
 PENS SPONSORED BY ALLIED/SECURIAN 
 TEXT SERVICES SPONSORED BY SOLUTIONS BY TEXT 

6:30—7:30 p.m.
EARLY ARRIVAL RECEPTION
Arriving early in Washington, D.C. for a Monday morning meeting? Can't wait to kick off your #AFSAmtgs experience? All registered attendees are invited to join us for an Early Arrival Reception!  SPONSORED BY SOURCELINK 

7:30 a.m.—6:30 p.m.
REGISTRATION DESK OPEN
 COFFEE SPONSORED BY DIMONT 
 WIFI AND CONFERENCE APP SPONSORED BY AUTOGRAVITY 
 LANYARDS SPONSORED BY WHITE CLARKE 
 PENS SPONSORED BY ALLIED/SECURIAN 
 TEXT SERVICES SPONSORED BY SOLUTIONS BY TEXT 

8:00—11:00 a.m.
INDEPENDENT AUTO FINANCE EXECUTIVES GROUP BREAKFAST & MEETING
 BREAKFAST SPONSORED BY DEFISOLUTIONS 

8:30—10:00 a.m.
PROFESSIONAL DEVELOPMENT COMMITTEE BREAKFAST & MEETING

9:00 a.m.—5:30 p.m.
LAW COMMITTEE MEETING (committee members only)
 BREAKFAST SPONSORED BY HUSCH BLACKWELL 

10:00 a.m.—12:30 p.m.
AFSA EDUCATION FOUNDATION BOARD OF DIRECTORS LUNCH & MEETING

12:00—12:45 p.m.
VEHICLE FINANCE DIVISION BOARD/INDEPENDENT AUTO FINANCE EXECUTIVES GROUP JOINT LUNCHEON
 SPONSORED BY BLACKBOOK 

12:45—3:00 p.m.
VEHICLE FINANCE DIVISION BOARD MEETING
Mark Scarpelli, 2017 NADA Chairman will address Top Issues for Auto Dealers. Jonathan Smoke, Chief Economist, Cox Automotive will provide an Economic & Market Update discussing vehicle sales and price trends, dealer sentiment, the impact of Hurricanes Harvey, Irma and Maria and provide Cox Automotive’s outlook for the remainder of this year and next year.  REFRESHMENTS SPONSORED BY ALLIED SOLUTIONS 

1:00—2:00 p.m.
THE EDGE ADVISORY BOARD MEETING

1:00—3:00 p.m.
OPERATIONS COMMITTEE MEETING

3:00—5:00 p.m.
AFSA EXECUTIVE COMMITTEE MEETING
 REFRESHMENTS SPONSORED BY EQUIFAX 

3:15—5:45 p.m.
VEHICLE COMMERCIAL CREDIT COMMITTEE MEETING
Refreshments provided beginning at 2:45 p.m.
A panel of experts will discuss the Future of Wholesale Lending. This includes Cliff Banks, President, Banks Media Enterprises, Doug Ekizian, Director, Consumer Finance Group, PwC and Jim Houston, Senior Manager, J.D. Power & Associates.

6:00—7:30 p.m.
WELCOME RECEPTION
Everyone is invited to meet up with friends and make new business contacts at the opening cocktail reception. The one hour plus reception will include a full bar and light hors d'oeuvres. The remainder of the evening is open for entertaining and private dinners.  SPONSORED BY ONEMAIN FINANCIAL AND FORD MOTOR CREDIT COMPANY 

7:15—9:00 p.m.
LAW COMMITTEE DINNER
 SPONSORED BY HUDSON COOK  

7:15—9:00 p.m.
VEHICLE FINANCE DIVISION BOARD/VEHICLE COMMERCIAL CREDIT COMMITTEE/INDEPENDENT AUTO FINANCE EXECUTIVES GROUP RECEPTION & DINNER
 RECEPTION SPONSORED BY ROUTE ONE  
 WINE SPONSORED BY TRANSUNION 
 DINNER SPONSORED BY FICO 
7:30 a.m.—5:00 p.m.
REGISTRATION DESK OPEN
 COFFEE SPONSORED BY DIMONT 
 WIFI AND CONFERENCE APP SPONSORED BY AUTOGRAVITY 
 LANYARDS SPONSORED BY WHITE CLARKE 
 PENS SPONSORED BY ALLIED/SECURIAN 
 TEXT SERVICES SPONSORED BY SOLUTIONS BY TEXT 

8:00—8:30 a.m.
BREAKFAST
 SPONSORED BY SWORD APAK 

8:30 a.m.—3:00 p.m.
LAW COMMITTEE MEETING (committee members only)

8:30—9:45 a.m.
OPENING GENERAL SESSION
Welcome remarks from Franc Lee, AFSA Chairman and Chris Stinebert's President's Report. PLUS Bret Baier, chief political anchor with Fox News, will join us to open the Annual Meeting and give attendees an inside view of the administration, congress and the ever-changing political landscape.  KEYNOTE SPONSORED BY FICO 

9:45—10:00 a.m.
REFRESHMENT BREAK
 SPONSORED BY REPAY 

10:00—11:00 a.m.
THE FUTURE OF THE SUPREME COURT—FROM SCALIA TO GORSUCH, WHAT'S NEXT?
Tom Goldstein, partner Goldstein & Russell, and co-founder of SCOTUS blog, is the nation's leading expert on "everything" Supreme Court. He has personally argued 30 cases before the court and taught Supreme Court litigation at Harvard and Stanford Law schools.  SPONSORED BY FACTORTRUST 

11:00—11:30 a.m.
GENERAL SESSION: INSIDE THE OMB
Mick Mulvaney, Director of the Office of Management and Budget (OMB) and three-term Congressman from South Carolina will speak about the administration's efforts to shrink the federal bureaucracy including reforming CFPB, controlling the federal budget, reducing the federal deficit, and tax reform.

11:40 a.m.—12:40 p.m.
GENERAL SESSION: CYBERSECURITY—DATA BREACH DECADE
Cybersecurity threats are increasingly sophisticated and have affected most of the country in recent months and years. Is the ubiquity of the Social Security Number part of the core problem, and if so, what could replace it? What else should companies be aware of in this constantly evolving space? Meg Novacek, Executive Director Business Development North America at Argus Cyber Security, will provide attendees with concrete ideas to take home to their companies. 
 SPONSORED BY ACI WORLDWIDE 

12:45—2:00 p.m.
LUNCHEON: INSIDE THE CFPB
Since the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010, numerous regulations have impacted the financial services industry. Key among the Dodd-Frank Act's provisions was the formation of the Consumer Financial Protection Bureau. Director Richard Cordray will speak about the bureau's priorities and recent activities. Cordray assumed the helm at the CFPB in early 2012 after previously serving as the head of the bureau's enforcement division.
 LUNCHEON SPONSORED BY FACTORTRUST 

2:00—3:00 p.m.
EDUCATION SESSION: 2017 GLOBAL HUMAN CAPITAL TRENDSREWRITING THE RULES FOR THE DIGITAL AGE
Jeanne Rankin, Associate Vice President of Sales for the Americas, Bersin will dive into the 2017 Global Human Capital Trend report, complete with an interactive way to discover the “new rules of the digital age.” She will discuss the accelerating rate of change in business, the economy, and society that are challenging both business and HR to adopt new rules for leading, organizing, motivating, managing, and engaging the 21st-century workforce.

2:15—3:45 p.m.
AFSA BOARD OF DIRECTORS MEETING
 REFRESHMENTS SPONSORED BY GOLDPOINT SYSTEMS 

3:00—3:15 p.m.
REFRESHMENT BREAK
 SPONSORED BY FIMC 

3:15—4:15 p.m.
MARKETING & COMMUNICATIONS COMMITTEE MEETING

3:15—4:30 p.m.
HUMAN RESOURCES COMMITTEE MEETING

3:15—5:00 p.m.
VEHICLE FINANCE CREDIT RISK COMMITTEE MEETING
Larry Dixon, Senior Director, Market Intelligence, J.D. Power Valuation Services will provide an Automotive Residual Value Trends Update.

3:15—6:00 p.m.
STATE GOVERNMENT AFFAIRS COMMITTEE MEETING

4:30—6:00 p.m.
BUSINESS PARTNER BOARD MEETING

5:45—6:30 p.m.
WOMEN'S LEADERSHIP COUNCIL WINE & CHEESE RECEPTION
 SPONSORED BY HUDSON COOK 

6:30—9:00 p.m.
ANNUAL MEETING RECEPTION & DINNER
Everyone is invited to join in the fun and enjoy the nationally renowned Capitol Steps. Over 30 years ago, the Capitol Steps began as a group of Senate staffers who set out to satirize the very people and places that employed them. Since they began, the Capitol Steps have recorded over 40 albums, including their latest, Orange Is the New Barack. They have been featured on NBC, CBS, ABC, and PBS.
 ENTERTAINMENT SPONSORED BY CLARITY SERVICES  
 RECEPTION SPONSORED BY WELLS FARGO PREFERRED CAPITAL 
 DINNER SPONSORED BY FIS 
 WINE SPONSORED BY DATASCAN 
 FLORALS SPONSORED BY BUCKLEY SANDLER 

7:30 a.m.—2:00 p.m.
REGISTRATION DESK OPEN
 COFFEE SPONSORED BY DIMONT 
 WIFI AND CONFERENCE APP SPONSORED BY AUTOGRAVITY 
 LANYARDS SPONSORED BY WHITE CLARKE 
 PENS SPONSORED BY ALLIED/SECURIAN 
 TEXT SERVICES SPONSORED BY SOLUTIONS BY TEXT 

7:45—9:15 a.m.
GENERAL SESSION & BREAKFAST: FINANCIAL SERVICES—A VIEW FROM THE TOP
Jeb Hensarling (R-TX), Chair of the House Financial Services Committee, will provide insights on the political climate in Washington and give a candid assessment of what realistically can be achieved legislatively. Committee Chair Hensarling also will address what Congress and the Administration can do to control and rein in regulation with specific attention to the CFPB. Then, Steve Moore of the Heritage Foundation and Economic Advisor to the Trump Administration, formerly of the Wall Street Journal Editorial Board, will present the state of the economy and what we can expect going forward regarding tax reform, health care and other issues influencing the economy and credit markets. Lastly, an AFSAPAC Report.
 BREAKFAST SPONSORED BY GOLDPOINT SYSTEMS 

9:30—10:30 a.m.
BREAKOUT SESSION: MEDIA ROUNDTABLE
What is it like today covering financial services issues on Capitol Hill and in the regulatory agencies in a climate of fake news, leakers and inexperienced sources? AFSA's Media Roundtable breakout session will feature a panel of journalists from Politico, American Banker, Bloomberg and Reuters providing the backstory on the media climate in Washington, DC.

9:30—11:30 a.m.
WOMEN'S LEADERSHIP COUNCIL MEETING
 REFRESHMENTS SPONSORED BY RSM 

9:30—11:45 a.m.
ORCC MEETING

10:05—10:55 a.m.
COMPLIANCE BREAKOUT: CFPB'S CONSUMER COMPLAINT DATABASE
Scott Steckel, CFPB's Manager of Consumer Response will talk about the evolution of the complaint system, and answer questions from AFSA members.

10:30—10:45 a.m.
REFRESHMENT BREAK
 SPONSORED BY COMPLI 

10:45—11:45 a.m.
BREAKOUT SESSION: TAKING CARE OF YOUR CUSTOMERS POST-DISASTER
Whether it be hurricanes, flooding, tornadoes or fires, your customers may face the loss of their cars, homes and businesses. How can we help them? Learn how to navigate after post-natural disaster with Dennis Brosnan, President & CEO of Dimont, Becky Igo, Regional Vice President, Allied Solutions, Steve Kapusta, Vice President of Specialized Asset Management at Ally, Mat Roe, Vice President, Strategy and Risk Management at OneMain Holdings, Inc., and Neil Williams, Chief Administrative Officer, Heights Finance Corporation.

11:00—11:45 a.m.
COMPLIANCE BREAKOUT: LESSONS LEARNED FROM RECENT ENFORCEMENT ACTIONS
In recent months, there have been regulatory actions taken against several financial services companies. What does it mean to AFSA members? Panel: Kwende Jones (Burr & Forman), James Kim (Ballard Spahr), and Jonice Gray Tucker (Buckley Sandler). Moderated by ORCC Chair Jim Sheeran, General Counsel, Tidewater Finance Company.

11:45 a.m.—12:45 p.m.
GENERAL SESSION & LUNCHEON: AFTERNOON ON CAPITOL HILL
How to make your hill visits effective and a review of the talking points and action items for the Capitol Hill appointment. What's the "ask" for member of Congress. Speaker: Ann Carmichael, Vice President, Congressional Affairs, AFSA
 SPONSORED BY FORTEGRA 

1:30—4:30 p.m.
CAPITOL HILL MEETINGS WITH MEMBERS OF CONGRESS
Annual Meeting registrants, including spouses and guests, are encouraged to take advantage of the opportunity to visit with their Congressional delegation. If you have not signed up, please contact Shaniece Rigans at 202-469-3197 or srigans@afsamail.org.

4:30—6:00 p.m.
POST-CAPITOL HILL NETWORKING RECEPTION AT THE MANDARIN HOTEL
 SPONSORED BY FORTEGRA