Kelly Knepper-Stephens is the Chief Legal Officer at TrueML Technologies LLC. She is a passionate advocate for making the law (and legal advice) interesting for everyone. She drives legal risk-mitigation and public policy strategy for the enterprise, providing legal guidance and innovative solutions that weave legal considerations into the fabric of business planning and execution to drive value. She advises on the intersection of innovation in technology with consumer protection statutes, privacy and security laws, and other federal and state regulations. Kelly serves on the Board of Directors for the Receivables Management Association International and ACA-Certified Instructor.  She served as a SER for the Arbitration and Debt Collection Rulemakings and is a former Steering Committee member for the Consumer Relations Consortium. FinTech Magazine named Kelly one of the Top 100 Women in FinTech in 2022 and Collection Advisor Magazine named Kelly one of the 20 Most Powerful Women in Collections in 2018 and 2016. 

Lauren Valenzuela, General Counsel and Chief Compliance Officer of TrueML Products, is a thought leader in the fintech industry. With over a decade of experience in legal compliance leadership roles, Lauren is known for her creative collaboration and recognized expertise in the ARM space.  She has presented and written compliance commentary for insideARM, ACA International, AccountsRecovery.Net, California Association of Collectors (CAC), Receivables Management Association International (RMAI), and Receivables Info.   Lauren was recognized as a Top 50 Receivables Professional and a Top Women Leader in Accounts Receivable in 2019 by Receivables Advisor; and as a “Move Maker” in 2023 by Women in Consumer Finance. She is also a Certified Receivables Compliance Professional by RMAI.