Steve Carlson
President TrueML
Steve Carlson is the President of TrueML, an industry-leading fintech software company developing AI and data driven products that enable intelligent, digital communication and prioritize customer experience for consumers seeking financial health. He has experience as an entrepreneur and leader at VC- and PE-backed lenders and fintechs serving both consumers and businesses, as well as serving as a consultant and advisor to numerous PE/VC investment firms. Prior to TrueML, Steve served as CEO of ForwardLine Financial and was the co-founder of Ascend, where he led a team in defining the next generation of consumer lending through the use of behavioral economics and real-time, post-acquisition data.
The former head of marketing and business development at Intuit Financial Services (Mint.com and Quicken), Steve has also held senior executive roles at HSBC and Washington Mutual, and advised global financial services firms as co-founder of Sung Carlson Associates. He is actively involved on the regulatory front, including having served as an inaugural member of the CFPB’s Consumer Advisory Board, among other roles.
2026 Agenda Sessions
Case Study 1: How is AI-driven collections improving outcomes?
Traditional debt collection approaches have relied on static contact scripts, blanket outreach schedules, and one-size-fits-all repayment terms, often resulting in low recovery rates, high servicing costs, and poor borrower experiences.
AI is now reshaping every stage of the collections lifecycle. Predictive models score accounts by likelihood of repayment, enabling smarter prioritization and conversational AI handles routine borrower interactions at scale. This session features a real-world case study showing how new capabilities are driving measurable improvements.
Takeaways
• See how AI-powered segmentation and predictive scoring are helping lenders prioritize accounts and allocate resources more effectively.
• Learn how conversational AI and omnichannel outreach are increasing borrower engagement while reducing operational costs.
• How AI agents are changing the game.
Tuesday 31 March 10:20 - 10:40 Lending
AI & Agentic Systems
AI is now reshaping every stage of the collections lifecycle. Predictive models score accounts by likelihood of repayment, enabling smarter prioritization and conversational AI handles routine borrower interactions at scale. This session features a real-world case study showing how new capabilities are driving measurable improvements.
Takeaways
• See how AI-powered segmentation and predictive scoring are helping lenders prioritize accounts and allocate resources more effectively.
• Learn how conversational AI and omnichannel outreach are increasing borrower engagement while reducing operational costs.
• How AI agents are changing the game.
Lending US/Pacific
