Dennis Hooks, President
Steve Bayne, Chief Financial Officer
Amy Crews Cutts, Senior Vice President and Chief Economist
Greta Lovenheim Capps, Financial Services Solutions Leader, IXI Services, a division of Equifax
Russ Ayres, Senior Vice President, General Manager, Customer Decision Support Solutions
Gary Cao, Senior Vice President, General Manager, Decision Analytics Modeling
Hugh Lloyd-Thomas, Group Vice President, Consumer Credit
Dennis Hooks, President
Prior to becoming President of IXI Services, Dennis Hooks was responsible for the management and development of the Banking and Credit sectors of IXI’s business. Mr. Hooks joined IXI with a demonstrated track record in financial services marketing and management, including strategic and marketing planning, advertising and promotion, product development, market research, distribution/branch banking and product delivery, pricing, sales force management, and implementation of customer service programs. He has also led the development of three successful start-ups over the last eight years. Most recently, Mr. Hooks was Chairman and Chief Executive Officer of Anybill Financial Services, a financial accounting and outsourcing service provider. Prior to that, Mr. Hooks served as Vice President of Strategic Alliances and Institutional Sales at Ameritrade. As Chief Marketing Officer at First Horizons Bank, he spearheaded a comprehensive strategy for consumer and small business banking. Mr. Hooks holds a B.S. in Marketing from Appalachian State University and an MBA in Finance and Marketing from Wake Forest University.
Steve Bayne, Chief Financial Officer
Prior to joining IXI, Steve Bayne held various financial positions with Unisys Corporation, including, most recently, Controller and Operations Manager for the firm’s ground-breaking, fully-integrated electronic-commerce and supply-chain management solution. Additionally, Mr. Bayne held senior positions at Suburban Savings & Loan. Mr. Bayne holds a B.A. in Economics from the University of Virginia and an MBA with Distinction from Keller Graduate School of Management.
Amy Crews Cutts, Senior Vice President and Chief Economist
Amy Crews Cutts leads IXI’s Economic Insights unit, focused on expanding IXI’s economic analysis, trending, and predictive analytics. A recognized industry expert, Cutts brings over 17 years of economic analysis and policy development experience and has often been quoted as an expert on the subject of housing economics. Cutts comes to IXI from Freddie Mac, where she served as Deputy Chief Economist since 2003 and was responsible for primary and secondary mortgage market analysis and research and macroeconomic analysis and forecasting. Prior to joining Freddie Mac in 1997, Cutts served as assistant professor of economics and senior researcher in the Maxwell School for Citizenship and Public Affairs at Syracuse University. She has taught at several universities, and she serves as a director and advisor on numerous boards including the American Real Estate and Urban Economics Association. Ms. Cutts earned a Masters and PhD in Economics at the University of Virginia and a Bachelor’s degree at Trinity University in San Antonio, TX.
Greta Lovenheim Capps, Financial Services Solutions Leader, IXI Services, a division of Equifax
Greta Lovenheim Capps develops IXI Services’ go-to-market strategies and serves as subject matter expert on client engagements focused on customer and market analytics, targeted marketing and data management. In this role, Capps leverages her more than 14 years with leading financial institutions where she has managed customer and market analytics, targeted marketing execution and analytics, strategic planning, and client data strategy and execution. Previously, Capps served as Director of Customer Information and Insights at RBC Bank USA where she built and led a bank-wide “center of excellence” managing client data strategy development, data management and governance, metrics and reporting, customer targeting, retail and commercial client analytics, and market research. Ms. Capps has also held several Senior Vice President positions at Wachovia (now Wells Fargo) managing customer insight functions to support retail bank and enterprise-wide initiatives. Ms. Capps holds an M.A. in International Economics and Finance from Brandeis University, including thesis work at the National University of Singapore, and a B.A., magna cum laude, in History and Economics from Cornell College.
Russ Ayres, Senior Vice President, General Manager, Customer Decision Support Solutions
As head of IXI’s Customer Decision Support Solutions team, Russ Ayres is responsible for helping IXI clients identify and act on areas of opportunity in customer acquisition, cross sell and retention through best-in-breed tools. A seasoned software architect and strategic manager, Mr. Ayres specializes in data visualization and architecture guidance to provide the best interfaces for largest possible return on investment with the lowest training cost. Before joining IXI, Mr. Ayres was the Assistant Vice President of Product Development for Claritas, where he was one of the original developers, then technical lead of the consumer segmentation product ConsumerPoint. He also worked on the Business Point, iMark, IOL (IMark Online), SiteReports, eConnect, and Claritas MarketPlace products. Before moving into the consumer marketing space, Mr. Ayres built troop and aircraft tracking software for the military as well as graphical displays for use in educational software for children. Mr. Ayres holds a B.S. in Computer Information Systems from Jacksonville State University.
Gary Cao, Senior Vice President, General Manager, Decision Analytics Modeling
Mr. Cao is responsible for research and development of all analytics scoring products, segmentation solutions, and other econometric predictive solutions for consumer financial marketing and credit/insurance risk management, in addition to customized quantitative models across sectors. Mr. Cao has extensive experience in database marketing and analytics, statistical modeling, and strategic planning. Prior to joining IXI, Mr. Cao was director of Corporate Marketing Database Management and Analytics at WellPoint Inc. In this position, he was responsible for overall database marketing and analytical strategies, database and campaign system development, and analytics decision support. Earlier in his career, Mr. Cao served as Vice President of Database Marketing and Financial Planning at Chase Education Finance, as well as Vice President of Database Marketing and Analytics and Vice President of Customer Marketing Strategies at MBNA. In addition to a Master’s degree in Technology Management from University of Pennsylvania (Penn Engineering and Wharton schools), Mr. Cao holds an MBA from Tulane University, an M.A. in Economics from the University of Arkansas at Fayetteville and a Bachelor’s degree in International Economics from Peking University.
Hugh Lloyd-Thomas, Group Vice President, Consumer Credit
Hugh Lloyd-Thomas is responsible for the development and management of the Credit Practice and Solutions group at IXI. The Credit Practice helps clients leverage IXI’s proprietary data to identify cost effective and lucrative credit solutions across financial services including credit cards, mortgage, home equity, automotive and consumer finance operations. Prior to joining IXI, Mr. Lloyd-Thomas worked with eFunds Corporation as a Director of Major Accounts with responsibility for domestic and international business development for the company’s CitiGroup and American Express relationships. Previously, he was an account executive with Fair Isaac and Company working with C-level executives in finance, information technology, and strategic sourcing. He also worked as a Global Account Leader with Acxiom Corporation and a Senior Manager in the Financial Services Consulting Group at Ernst & Young. Mr. Lloyd-Thomas has a Commerce degree from the University of Melbourne (Australia), conducted Post Graduate studies at the New South Wales Institute of Technology (Australia), and is a Senior Associate, with the Australian Institute of Bankers.