Chris Malone is Founding Partner of Fidelum Partners and Fidelum Health, guiding the strategic direction of each firm.

Chris has over 30 years of sales, marketing, consulting and executive leadership experience, with a track record of consistently driving growth and profitability. He held senior executive positions at leading organizations such as Goddard Systems, Choice Hotels, ARAMARK, Coca- Cola, the National Basketball Association, and Procter & Gamble and has consulted to a broad range of Fortune 500 companies.

As EVP, Chief Growth & Strategy Officer for Goddard Systems, Chris led and modernized the marketing, education, corporate communications, strategic planning, franchise sales and event planning functions.  Previously, as Chief Marketing Officer of Choice Hotels, one of the largest hotel companies in the world, with over 6,000 hotels open worldwide, Chris led the companyʼs 800 person global consumer marketing, worldwide travel industry sales, e-commerce and reservations organization. He also served as Senior Vice President, Marketing for ARAMARK Corporation, a multinational food, facility and uniform services enterprise with over $12 billion in annual revenue.

Chris is co-author of the award-winning book, The HUMAN Brand: How We Relate to People, Products & Companies.  He has been a frequent guest and contributor to CNBC, FOX Business, Bloomberg TV, Wall Street Journal Live, Forbes and Businessweek.

Chris holds a bachelorʼs degree from the University of Maryland at College Park and an MBA from The Wharton School of the University of Pennsylvania.

Mark is the Chief Information Officer, Senior Vice President at Launch Credit Union in Merritt Island, Florida. He also serves as the Chief Executive Officer of Launch CUSO Holdings, LLC overseeing a $20MM CUSO portfolio.
Mark brings a wealth of experience to the AKUVO Advisory Board leveraging deep cutting-edge Information Technology and Executive Management experience focused on implementing strategic business plans while driving growth and improving operations. He is a CUES Certified CEO and has devoted his professional career to the financial services industry serving credit unions for almost 30 years. Mark sits on the boards of many technology, fintech, and CUSO organizations.
Mark is passionate about sharing his insights and assisting credit unions with their “People Helping People” mission.  

Megan Curtis is the VP of Credit Risk at MSU Federal Credit Union, located in East Lansing, Michigan where she has spent most of her career in collections and credit risk. As the Credit Union continues to execute its growth strategy, and consumer and member behavior evolve, Megan is focused on fostering an environment of collaboration and efficiency for the Credit Risk teams. She has grown successful collections and recovery teams that are agile and solution oriented. Together, they have developed an adaptive collection strategy that supports increasing delinquency, leverages their collections platform and tools, and adjusts to everchanging member behavior. Megan also spent some of her career on the Credit Union's Compliance team and has a zeal for ensuring the Credit Union is operating in a compliant manner and serving members equitably. Aside from her work at MSU Federal Credit Union, she serves the community through her role as the Board Chair for Small Talk Children’s Advocacy Center, which provides children with crucial counseling and court advocacy services to foster healing and a system of support.

Rachel boasts over 24 years of experience in credit unions, with a remarkable 22 years dedicated to collections. Currently serving as the VP of Loan Solutions at OnPath FCU, she manages Lending, Loan Servicing, and Collections at the institution. Rachel's passion lies in creating collection cultures that prioritize win-win solutions for members facing financial hardships. Despite her focus on collections, she's also proud of her WCMS achievement, which broadened her perspective beyond her specialty area. Outside of work, Rachel indulges her passion for football, participating in four fantasy football leagues while raising her two pre-teen daughters.

With over 35 years’ experience in the financial services industry, Pam serves on the Governance and Advisory Boards for AKUVO in addition to acting as its Chief Risk Officer. Pam is a retired credit union Chief Executive Officer, and a former President/CEO for multiple CUSOs within the industry. Pam began her career in the legal industry and was a principal in Big 4 consulting firms serving banking, technology, credit unions, brokers, and insurance.
As recognized risk expert, Pam is a frequent speaker and author on enterprise and credit risks, predictive analytics and credit union governance having been featured in Bloomberg, Fortune, Credit Union Times/Journal, NASCUS, NAFCU and more.
Pam leverages this experience for AKUVO. She is passionate about community and has served on many economic community development boards, rural hospital boards, the NCUSIF committee, and has been a nominee for the Federal Reserve Board of San Francisco and the Deputy Commissioner of Credit Unions for California.

Jim is the Chief Risk Officer at Michigan State University Federal Credit Union. Jim leads the credit union’s Risk Management Division administering its enterprise risk management, compliance, collections, fraud prevention and facilities programs. He also serves as the Chief Risk Officer for MSUFCU’s wholly owned CUSO, Reseda Group LLC.
As a Certified Public Accountant, Jim has served as a member of the CFPB’s Credit Union Advisory Council, and many boards and committees within the credit union, life and health insurance guaranty associations, chamber of commerce, credit union league and charitable organizations.
Jim’s experience in risk management and advisory/assurance topics is fundamental to his service on the AKUVO Advisory, Governance, Risk and Audit, and Compensation Committees.

Rachelle is the Senior Vice President of Lending at Financial Plus Credit Union with over 30 years’ experience in Consumer, Business, Real Estate Lending and Collections. She is an Accredited Mortgage Professional.
Rachelle’s approach to member service leverages building partnerships with business owners, realtors, builders, marine and RV executives, and other Centers of Influence within the communities her credit union serves. This has given her insight into delivering solutions aligned with the financial wellness, homeownership and lending needs of members which is key to her contributions on the AKUVO Advisory Board.
Community is her passion as she volunteers for key community organizations such as the Board for Metro Community Development in Flint Michigan.

Erin is a accomplished professional with over 25 years’ experience in the financial services industry, particularly in the realm of collections strategy and management. With a proven track record, Erin possesses wealth of knowledge and expertise. She held a prominent role, AVP of Collections, at Truwest Credit Union, where she led the collections department for many years. Her involvement in the implementation and successful launch of various platforms highlights her ability to navigate complex projects and drive tangible results. Erin's vast experience has provided her with enthusiasm and passion for driving innovation in the industry.

Kris Kovacs leads Constellation Digital Partners as its Founder and CEO, bringing over 30 years of rich experience in the credit union industry. His background is marked by a robust combination of technology and operational expertise, which has been instrumental in his deep understanding of the evolving financial sector. His leadership at Constellation Digital Partners is characterized by a forward-thinking approach to how technology can significantly enhance operations and services in the financial world.

Before establishing Constellation Digital Partners, Kris dedicated 25 years to serving in credit unions. His tenure was divided between Navy Federal Credit Union in Vienna, VA, and Coastal Credit Union in Raleigh, NC. At Coastal Credit Union, he held the pivotal role of Chief Information Officer, where he was responsible for driving technological innovation and strategic operations. 

As a respected voice in the industry, Kris is a frequent speaker on topics relating to technology and innovation. He combines his extensive industry experience with thought leadership in his role as the host of the Fintech Combine Podcast. Further highlighting his commitment to innovation, Kris is a CUES Certified Innovation Executive (CIE), a testament to his expertise and dedication to the field of credit union technology and innovation.

Norma McKittrick, Senior Launch Advisor at AKUVO has over 23 years of Collection Leadership and Management experience. She has served as an area representative and board member for the Northwest Credit Union Collectors Association.  Norma has held pivotal roles at Fibre FCU, Sound CU and Watermark CU, where she excelled in building results driven collection processes to increase efficiency while leading high-performing teams.  Norma is renowned for her strategic approach to customer & team support, driving operational excellence and fostering a people helping people culture. She has led multiple implementation projects including AKUVO, Eltropy, State National CPI insurance & SWBC Swivel. Her insights and experience make her a valuable panelist, bringing a wealth of knowledge to the discussion. Outside of work Norma spends her time gardening, painting with Bob Ross, baking and traveling.

Stefan has a distinguished record of achievement in financial business development and operations management spanning over 12 years, primarily in the collections industry. Throughout his career, Stefan has demonstrated a keen ability to drive continuous growth and optimization through innovative and sophisticated practices. He possesses a wealth of experience from his tenure at CUTX, where he not only managed the collections department but also spearheaded various other departments at the credit union.

Steve resides in Orlando, FL and is the Vice President of Collections for FAIRWINDS Credit Union. Steve has over 30 years of experience within the financial services industry: the last 17 exclusively in credit unions. Over the past 17 years Steve’s led team’s responsible for account collections, contact center, payment strategies, loss mitigation, asset liquidation, recovery and bankruptcy. Steve sits on the SWBC Client Advisory Board for Risk Management and was the former president of the Central Florida Chapter of Credit Unions.

Valerie brings 25 years of experience in the collection industry to her role as Vice President of Servicing Operations at Mountain America Credit Union. Valerie is passionate about providing tools that ensure consistency, risk mitigation, and an exceptional member experience. In her free time, Valerie enjoys traveling with her partner and 11-year-old daughter. She loves music, a good book, and the Jacksonville Jaguars.

Jaynalee is a Senior Loyalty Adviser with 20 years of experience in collection and the financial industry. She has successfully led multiple collection teams through conversions and software implementations with unwavering dedication to excellence. Jaynalee strives to provide the most pinnacle experience to her customer base. Having received vast recognition as a leader demonstrating fluency and expertise in collections, high integrity, and client engagement.