Panos Psomas Dr. Panos Psomas is a partner and business development manager of Cententia (Greece), a software company specialising in the development of debt collection and recoveries solutions. He holds a PhD in Electrical and Computer Engineering from the National Technical University of Athens. He has worked in the area of arrears and accounts receivables management since 1995 as a project manager, business analyst and consultant to a number of customers ranging from banking institutions, debt collection agencies, legal offices and commercial firms. www.cententia.comppsomas@cententia.com Marcel Wiedenbrugge Marcel Wiedenbrugge is managing director of WCMConsult. Marcel combines knowledge and experience in account management/sales, credit management, service management and related software solutions. In the past he worked for companies like Ricoh, Van Ommeren Ceteco, PCD Polymere and Yamaha Musical Instruments Europe. Most of the time he worked in a B2B environment, but he is also quite familiar with retail. Marcel is an entrepreneur, speaker, writer, researcher, trainer and consultant. www.wcmconsult.com marcel.wiedenbrugge@wcmconsult.com Cliff Wynn Cliff Wynn is managing director of RK Business Training Ltd. Cliff has both experience of working in the training, collections and tracing industry for many years. He has worked with and for many of the leading professional bodies within the credit and collections industry, including the role of Head of Training for the Institute of Credit Management. He has built up a considerable knowledge of running a training business plus has 'hands on' experience of telephone and doorstep collections, compliance, consumer credit licence applications and tracing. During his career Cliff has worked with many large organizations on various training programmes in the collections area. Clients have included, Orange, Shell, Marston Group, Brighthouse, NPower, British Gas, Polycom BV, and the Finance and Leasing Association. www.rkbusinesstraining.co.uk cliff@rkbusinesstraining.co.uk