Day 1

October 20, 2020

To kick off EMERGE Insights, we’ll share highlights from the Financial Health Network’s U.S. Financial Health Pulse: 2020 Trends Report and explore the implications for your customers, employees, and communities. How are various solutions and interventions, such as unemployment benefits and cash grants, helping people survive during the COVID-19 pandemic? And how do financial health trends differ across groups of people in America, including women and people of color?

Welcome and Opening Remarks
Josh Sledge
, Senior Director, Financial Health Network

Opening Keynote
Financial Health Network’s Rob Levy sets the stage for our two-day deep dive into solutions and strategies for driving financial health and the research and measurement that informs the work.
Rob Levy, Vice President, Financial Health Network

Featured Presentation
2020 Trends Briefing: New Insights from the U.S. Financial Health Pulse
How has the COVID-19 pandemic impacted the financial health of people in America? What are the trends shaping the financial health landscape? The Financial Health Network fielded two nationally representative surveys in 2020 and analyzed the financial and transactional records of study participants. Here, we share key insights from our research.
Thea Garon, Senior Director, Financial Health Network

Featured Interview
Financial Health in a Pandemic
How has the economic fallout from COVID-19 disproportionately impacted the financial health of different groups of people in America? From rising unemployment to the plight of small businesses, how have financially vulnerable communities been affected? What are the government and industry solutions that are helping people survive this challenging time? In this conversation with Urban Institute CEO Sarah Rosen Wartell, we take a deep dive into the pandemic’s impact on financial health.
Sarah Rosen Wartell, President, Urban Institute
David Silberman, Former Associate Director for Research, Markets, and Regulation, Consumer Financial Protection Bureau

Featured Interview
Race, Ethnicity, and the Financial Lives of Young Adults
Disparities in financial health exist across all demographics, but particularly for people of color. In this session, we explore the dynamics of these disproportionate impacts on young Black and Latinx adults. Join the authors of the recently released report “Race, Ethnicity, and the Financial Lives of Young Adults” as they reveal and discuss some of the surprising insights from this important research.
Cathy J. Cohen, Professor, University of Chicago
Jonathan Lykes, Director of Programs and Partnerships, Black Youth Project/GenForward Survey

Closing Remarks
Thea Garon, Senior Director, Financial Health Network
Josh Sledge
, Senior Director, Financial Health Network

When designing a product or service to improve financial health, you need to know what works. What are the proven approaches? How can rigorous research, behavioral economics, user testing, and demonstration pilots inform and enhance product development? Join industry leaders and researchers as they share their firsthand experiences of how to build effective solutions for financial health.

Welcome and Opening Remarks
Josh Sledge, Senior Director, Financial Health Network

Featured Interview
Finding Out What Works
How do companies supporting the financial health of their customers and employees know which interventions are most effective? Behavioral economics provides a set of tools to better understand what works – and what doesn’t. Here, we explore how a behavioral team operates within a financial services company to develop insights to create effective financial health solutions.
Jason Archambault, Director Behavioral Economics, Truist
Heidi Johnson, Director, Financial Health Network

Case Study
The Story of Even: Solving Big Problems with a Testing Culture
In 2014, Even was founded with a basic premise: Talent is evenly distributed, but opportunity is not. To seize opportunity, you need both money and cognitive energy – and financial challenges deprive you of both. The company set out to address these issues, learning along the way that research-based evaluation informs innovation. Learn from Even what it means to have a “testing culture” and how that leads to better products and results.
Evan Goldschmidt, Chief Technology Officer and Head of Product, Even Responsible Finance
Naim Kabir, Software Engineer and Data Scientist, Even Responsible Finance
Maria Lajewski, Director, Financial Health Network
Moderator: Andrew Dunn, Manager, Financial Health Network

Panel Discussion
What Works: Lessons from Providing Emergency Cash Assistance in a Pandemic
Even before the pandemic, emergency cash programs were on the rise as a new, if expensive, way to help struggling households get through a rough patch. The pandemic has made that need even more acute. But what is the impact of these programs on financial health? Which types of additional coaching are needed to help recipients optimize usage? Hear from financial coaching and emergency aid experts as they discuss what works, what doesn’t, and what solution providers still need to learn.
Jesús Gerena, Chief Executive Officer, Family Independence Initiative (FII-National)
Rachel Schneider, Founder and Chief Executive Officer, Canary
Moderator: J. Michael Collins, Professor, University of Wisconsin-Madison Center for Financial Security

Closing Remarks
Heidi Johnson, Director, Financial Health Network
Josh Sledge, Senior Director, Financial Health Network

Day 2

October 21, 2020

Measuring the financial health of customers and employees is essential to build trust; optimize effectiveness; identify pain points; design, test, and evolve solutions; and evaluate their impact over time. Learn how developing a culture of measurement that spans product development, customer communications, and executive leadership helps businesses prioritize products and services that improve  financial health.

Welcome and Opening Remarks
Josh Sledge
, Senior Director, Financial Health Network

Panel Discussion
Unlocking Insights from Customer Data
We have more data about our customers’ financial lives than ever before, but how do we use these insights to understand and support their financial health? Our experts dive into how to unlock insights from customer data to understand pain points, build solutions, and improve their financial outcomes.
Fiona Greig, Director of Consumer Research, JPMorgan Chase Institute
Ben White, Policy R&D, Plaid
Stephanie Woods, Senior Manager, Marketing Data and Analytics, BECU
Moderator: Helen Robb
, Senior Manager, Financial Health Network

Featured Presentation
Tools to Measure Financial Health
Measuring financial health doesn’t have to be complicated or time-consuming to be effective. Hear about a new product from the Financial Health Network that makes it easier than ever to understand where your customers are succeeding and struggling financially.
Andy Bandyopadhyay, Head of Product, Financial Health Network

Featured Interview
Measurement for Underserved Populations
How we cut and evaluate data matters. What are the right questions to ask and demographics to examine? Join us for a discussion on how to use measurement to highlight the financial health gaps and needs of underserved populations.
Tim Lucas, Director of Research, SaverLife
Evelyn Stark, Lead, Financial Health, MetLife Foundation

Panel Discussion
International Measurement: What We Can Learn from Global Peers
What does financial health mean in different contexts? How can we learn from others’ solutions? Hear from international peer organizations about how cross-sector partnerships are helping them to measure – and improve –  financial health.
Ahmed Dermish, Lead Specialist, United Nations Capital Development Fund
Nick Watkins, Head of Insight and Evaluation, Money and Pensions Service
Moderator: Alejandra Ruales, Senior Manager, Financial Health Network

Closing Remarks
Helen Robb, Senior Manager, Financial Health Network
Alejandra Ruales, Senior Manager, Financial Health Network

Josh Sledge
, Senior Director, Financial Health Network

A mature financial health strategy that delivers impact requires strong vision, investment in infrastructure, effective measurement, performance management, and delivery of high-quality solutions, all coordinated across the company. For many, this will require a transformation mindset and strategy. Here we build the business case for financial health and explore the strategic frameworks organizations can leverage to realize the considerable payoffs.

Welcome and Opening Remarks
Josh Sledge
, Senior Director, Financial Health Network

Featured Interview
Making the Business Case for Financial Health
Why should your organization invest in financial health? What is the ROI for your business? Join us as we explore the business case for financial health with one organization that is testing and learning how to further financial health for its customers and its business.
Mohamed Khalil, General Manager – Group Financial Wellbeing, Commonwealth Bank Australia
Jennifer Tescher, President and Chief Executive Officer, Financial Health Network

Featured Presentation
Your MAP for Impact: A Framework for Organizations to Advance Financial Health
To have a sustainable impact on the financial health of customers, employees, and communities, businesses need to take a holistic approach and have a roadmap to follow. Let Financial Health Network’s framework for building a mature financial health strategy – the FinHealth MAP – be your guide. Here we share our model for building a strategy to maximize impact for your organization.
Marisa Walster, Senior Director, Financial Health Network

Panel Discussion
FinHealth Maturity in Action: Insights from Institutions Making an Impact
Effective financial health strategy involves coordination between cross-functional stakeholders across an organization. Gain insights on how to do it from three financial institutions paving the way by integrating finhealth across their organizations.
Bahari Harris, Community Banking Manager, Bank of America
Matt Holton, Senior Manager, Social Innovation, PayPal
Jody L. Wigley, Senior Vice President Consumer Strategy and Programs, Regions Bank
Moderator: Marisa Walster, Senior Director, Financial Health Network

Panel Discussion
Building Customer Relationships through FinHealth
How important is it for financial institutions to invest in the financial health of customers? According to a recent study, customers are three times more likely to be satisfied if they believe their bank or credit union is supporting their financial health. In this session, we welcome J.D. Power and Edelman, two organizations focused on measuring and building positive consumer sentiment, to talk about the connection between financial health and customer satisfaction and trust.
Deidre Campbell, Global Chair, Financial Services Sector, Edelman
Bob Neuhaus, Vice President, Financial Services, J.D. Power
Moderator: Laura Barger, Chief Marketing Officer, Financial Health Network

Closing Remarks
Rob Levy
, Vice President, Financial Health Network
Josh Sledge
, Senior Director, Financial Health Network
Marisa Walster, Senior Director, Financial Health Network

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