Teddy Flo

For more than a decade, Teddy has served as a trusted legal advisor to consumer financial services companies, including international banks, credit card issuers, mortgage lenders, student loan servicers, and small-dollar lenders. Throughout his career, he has focused on providing practical legal advice that helps clients achieve their business objectives. He has litigated scores of cases, helped companies navigate high-stakes government investigations, and advised his clients on key regulatory issues. As Zest’s General Counsel, he works closely with its legal, executive, engineering, data science, sales, and marketing teams to execute on Zest's strategic decisions and ensure that the legal aspects of the company's operations run smoothly, including compliance, litigation, contracting, and intellectual property. Teddy graduated summa cum laude from the University of Maryland with degrees in Finance and Economics and received his law degree with honors from The George Washington University Law School. 

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Speaking Topics

AI and machine learning technologies for underwriting are evolving rapidly, putting regulators in a race to update their frameworks for proper guidance and oversight. What should these new frameworks look like, what should they cover, and what key factors should regulators address? Conversely, how can business leaders best manage innovation with longevity and compliance.

New technologies hold promise in addressing structural inequity in the credit system. How can business leaders navigate the intersection of legislation, regulation, and innovation as it pertains to fair lending? What tools do lenders and regulators have at their disposal to ensure more equitable outcomes in the future and avoid reinscribing old patterns?