Start your day with a refreshing Sunrise Yoga session set against peaceful water views. This all-levels class focuses on gentle movement, breathwork, and mindfulness—perfect for recharging before the day begins.

Hi! My name is Sophia Veritamo, and I’ve been teaching yoga full-time for four years and practicing yoga for nine years. My Sankalpa is to “empower everyone” by creating a welcoming space for all bodies and abilities. Outside of yoga, I’m a CrossFit Level 1 Trainer, and I love incorporating my knowledge of strength and movement into my yoga practice. When I’m not on the mat, you’ll usually find me drawing or curled up with a good book!

Geopolitical risk and trade policy uncertainty are clouding the economic outlook in ways that matter directly to credit unions. This session examines the recent macroeconomic landscape and the implications for growth, inflation, and Federal Reserve policy. Kebede will then connect that outlook to what it means for credit unions lending performance and asset quality heading into 2027.
 

In this session, TransUnion experts will share current market trends, practical growth strategies, and best practices that can help credit unions grow card originations and balances while staying attentive to fraud risk and member financial health.

In this session, we explore the various modes of embedded financing, the importance of being present at the “top-of-funnel,” and how credit unions can effectively compete in the hypercomputing point-of-sale (POS) financing space.
 

Faster payments are no longer a future consideration; they are a present-day competitive reality. This session equips operations professionals at credit unions with a practical framework for evaluating, implementing, and optimizing instant payment capabilities across RTP and FedNow rails.
 

When the economy gets uncertain, deception goes up. It might not be intentional, but people are more apt to stretch the truth or omit important information in interviews, sales calls or negotiations when money is tight and their back is against the wall. How can you tell when something is not quite right in supplier discussions? Or when interviewing potential candidates?  Or making high-stakes leadership decisions?

The most powerful person in the room knows what's really going on.  Empower yourself and your leadership team to confidently make executive decisions in uncertain times.

Body language expert and behavior analyst Traci Brown will share tactics used by the FBI to uncover hidden truths and tactfully steer conversations in a more honest and productive direction, so you make decisions using info that’s been hidden in plain sight.  You’ll save time, money, energy, and get to yes more quickly….and stay off the front page for the wrong reasons.

Participants will learn subtle body language that suggests deceit in person, on zoom, on the phone, in emails and texts, words or phrases that should be red flags, and how to draw out the truth with kindness and professionalism.
 

Explore how to remove internal silos between marketing and lending in order to achieve transformative digital results, specifically aimed at attracting and engaging Gen Z.
 

This session will focus specifically on the future of collections and how credit unions can modernize recovery strategies while protecting member trust and maintaining compliance.
 

This session will touch on key trends influencing loan growth, evolving balance sheet strategies, and the approaches credit unions are using to enhance flexibility and access to funding.
 

Moderated by:

Moderated by:

Thoughts on the year in auto lending, as well as expectations for Q4 and beyond. The session will cover both direct and indirect auto lending trends, including fraud, digital trends, fintech, and innovation in the space.
 

We’ll walk through what's actually happening on both sides of fraud: the new attack patterns showing up at community FIs (check fraud is still popular!), where AI is and isn't ready to help on defense, and how leaders can adopt AI in fraud and BSA programs without taking on risk they can't manage.
 

Information on the changing dynamics and risks related to internal and external fraud, artificial intelligence, fair lending, and more in the lending landscape.
 

In this presentation, we will take a fascinating journey to understand how our ancestors' environment shaped the neurobiological foundations that continue to influence human decision-making today. We will explore recent advances in neuroeconomics and their fundamental role in understanding how individuals process information and evaluate risk, trust, and value. Attendees will discover how context and emotion shape human behavior, financial decisions, and social interactions, and gain practical insights to improve communication and customer relationships.
 

 
Please join us from 6-9 pm our signature closing event as we wrap up an amazing conference together. Set on the Lawn overlooking the water, Coastal Cool: Texas Riviera invites you to unwind, connect, and celebrate in a relaxed yet elevated setting inspired by breezy coastal hues and serene shades of blue.

Enjoy an evening of great music, coastal-inspired cuisine, and meaningful networking as we toast to a successful conference and the connections made along the way. 

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