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Loyalty programs are long-term financial commitments, yet many brands continue to manage them with limited visibility into risk, volatility, and true economic impact. As costs rise and scrutiny increases, guessing is no longer an option. This session dives into three real-world case studies showing how leading organizations are using analytics to bring rigor, confidence, and discipline to loyalty decision-making. You’ll see how brands are quantifying loyalty investment risk, uncovering hidden inefficiencies in loyalty economics, and pinpointing the member behaviors that truly drive sustainable value. Attendees will walk away with a practical framework for evaluating program design trade-offs, aligning stakeholders, and managing loyalty as a strategic asset—not just another engagement tactic. This engaging and provocative breakfast session, led by Ron Fowler and Manolis Bardis, is one you won’t want to miss if you’re responsible for the performance, profitability, and future of your customer loyalty program.
As an actuary in the WTW Risk and Analytics practice, Ron provides consulting services involving most commercial property-casualty lines to a variety of insurance companies and self-insured organizations. Ron has 33 years of actuarial experience and has provided actuarial consulting services for the last 23 years. Ron provides reserve and pricing analyses spanning workers’ compensation, auto liability, general liability, hospital professional liability, product liability, garage liability, warranty, loyalty and garagekeepers liability.
Ron has completed predictive models spanning workers’ compensation, auto liability, and general liability. The models have focused on claim severity, litigation propensity, nurse case management resource allocation and claim adjuster assignment. The pricing and reserve studies analyzed food and beverage, manufacturing, retail, construction, and energy risks. He has been approved to provide captive loss reserve opinions by regulatory authorities in Vermont, Arizona, Montana, and Bermuda.
Ron earned his undergraduate degree in Mathematics with a minor in Statistics at Colorado State University in Fort Collins, CO. Ron is a member of the American Academy of Actuaries and Casualty Actuarial Society.
His work has focused heavily on loyalty and customer experience, helping brands create more relevant and measurable customer journeys through personalized, interactive video. He has worked with brands including McDonald’s, Macy’s, and Live Nation on initiatives tied to engagement, retention, and lifecycle marketing.
Serving more than 243 million members worldwide, Hilton Honors is an award-winning guest loyalty program that continues to evolve to meet the ever-changing needs of today’s travelers. As a result of its incomparable size and scale, Hilton Honors recognizes, rewards and builds long-lasting relationships with its member base through enterprise-wide alignment, operational precision, marketing excellence and disciplined, nimble execution.
In this session, Brad Anderson, Vice President of Hilton Honors, will provide insight into how Hilton Honors has consistently strengthened its program to become more personalized, flexible and adaptable to individual travel journey ambitions. From preparation to reimagination, he will discuss the importance of thoughtfully executing program launches and updates to align with the value that members expect.
Attendees will gain practical insights into leading large-scale loyalty change and positioning loyalty as a sustained driver of growth and competitive advantage within an organization.
Key discussion topics include:
During lunch, Loyalty Expo sponsors will host lunch table discussions on various informative topics suggested by Loyalty360 members. Lunch in the exhibit hall is open to all attendees, but we request that seats at sponsored table discussions are reserved for brand/marketer attendees only.
Emotional connection isn't just a feel-good-concept - it's a very powerful driver of loyalty program performance. ITA Group's latest research shows that customers who feel emotionally connected to a brand visit and spend up to 4x more than those who don’t. This session will unpack why emotional connection is essential to building lasting customer relationships and driving measurable outcomes. Attendees will learn:
SuAnn Carriero is a Rewards Executive at Bank of America and head of Loyalty and Rewards Program, Product and Channel Integration and Business Insights. In this role, she connects partner initiatives and develops business insights across Preferred Rewards, BankAmeriDeals®, the Travel Center, and Card Rewards Redemption, all designed to deepen client engagement, drive satisfaction, and increase retention and spend.
Prior to her current role, SuAnn served as Head of BankAmeriDeals, where she led the launch of a new, intuitive offers platform in partnership with a third‑party provider. This transformation significantly enhanced functionality, personalization, and the overall client experience, enabling clients to save seamlessly during everyday spending.
Earlier in her career, SuAnn led Quantitative Analytics teams, overseeing segmentation, investment, and rewards analytics. She supported the launch of the Preferred Rewards® program in 2014, leading the Quantitative Analytics team responsible for measuring client impact, optimizing benefits, and scaling the program successfully across the enterprise. Beyond Loyalty and Rewards, SuAnn has held leadership roles across several critical areas at Bank of America, including Business Intelligence, External Reporting, and Finance, and previously served as Chief Financial Officer for America’s Investment Banking business.
With more than 30 years at Bank of America and Merrill, SuAnn is deeply committed to associate development and employee engagement. Over the past five years, she has helped establish employee satisfaction initiatives focused on cross‑team collaboration and the sharing of best practices, reinforcing a culture of growth, inclusion, and high performance.
SuAnn has an MBA from Lehigh University and is a certified public accountant.
SuAnn resides in Scarborough, Maine, and loves to spend time outside hiking, skiing, paddleboarding, and biking. She is also active in her community across various school and non-profit organizations.
Nicole Hulstein currently holds the role of Loyalty Marketing Manager for Food Lion, a grocery retailer that operates 1,108 grocery retail locations over 10 states. As Loyalty Marketing Manager, Nicole is responsible for ensuring that the strategy of Food Lion's Loyalty Program achieves the key performance indicators of a strong loyalty program while achieving the financial obligations for the organization. She serves as the key CRM owner of the email and push channels.
Nicole has worked in grocery retail for 19+ years in many capacities including procurement, financial analysis, merchandising, category management and her current passion - loyalty marketing! In the years of service, Nicole has led teams through innovative dynamic supply chain changes, system migrations, process changes and category management of a multi-million dollar business. She brings creativity and a curious mindset to the loyalty area of the business - traits that were paramount to the creation of a 3 year strategy plan to inform the future of Loyalty for Food Lion.
Nicole has a bachelor of science degree with a marketing concentration from Pfeiffer University. She has enjoyed many post graduate training and development opportunities including: Cornell University Food Management Program, Scotwork North America Advanced Negotiation Skills and Emerging Leaders Program at the University of Arizona.
Nicole brings creative high energy and optimism to address business opportunities and align teams on a go-forward process to achieve objectives. She has a keen understanding of the supply chain side of the organization and our customer which she brings into creating meaningful marketing materials which communicate the right message while driving strong financial performance.
Nicole has received several professional recognitions including "Produce Business Top 40 Under 40" (2020), Emerging Leader (2021) and Mentor in the Making (2022).
She resides in Kannapolis, NC with her husband (Kevin), children - Noah and Quinn.
Sarah VanDerHart is the Customer Loyalty Insights and Strategy Leader at ITA Group, bringing more than 14 years of experience across B2B marketing strategy, experiential marketing, and marketing operations. She translates data-driven insights into results-oriented strategies that align with market trends and build emotional connections between customers and brands. As a leader of award-winning marketing teams, Sarah is known for her ability to turn complex insights into clear, actionable direction that drives growth and loyalty. She holds a degree from Iowa State University and is based in West Des Moines, Iowa. Outside of work, you’ll find her hosting gatherings with friends, running around with her husband and two daughters, or cheering on the Iowa State Cyclones.
Key discission topics will include:
Arnab Goswami is a seasoned leader in digital transformation, customer engagement, and loyalty, with over 24 years of experience across telecom, retail, and media. As Vice President of Customer Engagement & Partnerships at Deutsche Telekom AG, he leads group-wide initiatives and is the driving force behind “Magenta Moments,” the unique cross-border telco engagement program, successfully launched across nine countries in Europe.
Previously, Arnab built and scaled Etisalat’s “Smiles” platform into a major revenue-generating ecosystem. Known for combining strategic vision with execution excellence, he specializes in creating innovative engagement models that drive customer loyalty, unlock new revenue streams, and transform businesses at scale.
Kevin is a finance professional with over 15 years of experience in the Consumer and Small Business banking space. His previous experiences include a range of roles from building digital products, managing marketing campaigns, launching internal innovation strategies, creating new product strategies, and delivering loyalty and rewards to customers.
Currently at Bank of America, Kevin is the new lead for BankAmeriDeals, a program that offers cash back, discounts, and coupons to millions of Bank of America debit card and credit card customers. In addition, he leads strategic partnership development with select brands on the platform.
The finalists competing in the 2026 Loyalty360 Awards will share details of their programs and strategies in fast-paced presentations. These sessions give attendees a chance to hear directly from the brands delivering experiences that set them apart in building customer loyalty.
As part of the award process, all registered conference attendees are eligible to vote on placements for each category, with winners announced during the Loyalty360 Awards ceremony on 5/14.
Before joining MGM, Derek spent eight years at Regal Cinemas spearheading the analytics behind the relaunch of its 10-million-member Crown Club and the rollout of the Regal Unlimited subscription program. His expertise spans loyalty program design, voice-of-the-customer research, and cross-functional leadership.
Derek holds an MBA in Marketing and Finance from the University of Tennessee and a BS in Telecommunications from the University of Florida. He is a Loyalty360 member and was awarded as a Knox News 40 Under 40 honoree.
Jenn McMillen is a nationally known loyalty and CRM expert, a Certified Loyalty Marketing Professional (CLMP), and currently VP of guest loyalty & insights for Nothing Bundt Cakes. She’s also the founder of Incendio, a consulting firm that helps companies build and fix their loyalty and CRM programs. Notable clients include Chipotle, GNC, PetSmart, Dave & Buster’s, and NASCAR, to name a few.
Prior to founding Incendio 10 years ago, Ms. McMillen served as VP CRM & Analytics at Michaels Arts and Crafts. Before Michaels, she spent five years at GameStop as VP Loyalty, where she created and launched GameStop’s PowerUp Rewards program, which changed GameStop’s entire approach to marketing. Jenn is a loyalty OG who built & launched Blockbuster Rewards in 1998, one of the first non-travel loyalty programs to hit the mainstream.
She has been recognized with multiple major industry awards for her work in increasing topline revenue for Fortune 500 companies and sits on several professional boards. Plus, she’s a member of more than 100 loyalty programs.
Katheryn Milligan is a Sr. Analyst on the Digital Marketing team at Restaurant Brands International, where she helps transform customer data into meaningful connections. She supports loyalty strategy and personalization for Burger King U.S., developing targeted campaigns and engagement moments that boost retention, drive visit frequency, and generate incremental revenue. With a focus on data‑driven decision‑making, Katheryn supports the growth of a strong test‑and‑learn culture—continually refining performance and building on what’s already working. She is especially passionate about evolving loyalty beyond transactions, creating experiences that foster genuine, emotional connections between brands and their customers.
Andrea Navarro leads customer engagement for Burger King’s Royal Perks program across lifecycle marketing and digital channels. With nearly a decade of experience spanning retail and QSR, she focuses on building CRM programs that drive customer frequency, retention, and long-term value.
At Burger King, Andrea has played a key role in redesigning the Royal Perks program – strengthening its structure and enabling more targeted, data-driven engagement over time. Her work has helped shape how the brand approaches loyalty and CRM, leveraging segmentation and journey orchestration to create more relevant customer experiences.
As the Vice President of Marketing + Branding at Chatters, Lindsay Lorimer-Stewart leads omni-channel marketing across a national network of 115+ salon/retail locations and ECommerce.
She recently led the launch of Chatters Rewards, the company’s omni-channel loyalty program, alongside its customer-facing mobile app, advancing a more connected, personalized approach to customer engagement and retention.
With over 20 years of experience across retail, beauty, and agency environments, Lindsay is recognized for building and driving teams that deliver high-impact marketing strategies that connect brand, data, and customer experience, driving loyalty, engagement, and sustained business growth.
Kelsey Ferguson is the Loyalty Program Manager at Petro-Canada, accountable for accelerating growth across the Petro-Points and Platinum Status programs. A designated Chartered Professional Accountant (CPA), she brings 19 years of experience at Suncor, where she built deep expertise in Business Planning & Analysis and became known for elevating quality, strengthening governance, and driving continuous improvement.
She sets the strategic direction for Petro-Points and leads cross-functional initiatives that deliver against our growth strategy—sharpening program performance, prioritizing the highest-value opportunities, and translating insights into action. With a tenacious, growth-minded, and highly collaborative leadership style, Kelsey aligns stakeholders, removes roadblocks, and drives measurable outcomes that strengthen the business and improve the customer experience.
Outside of work, Kelsey can often be found at the rink—coaching her daughter’s hockey team.
Blake Thomas is the Lead Director of the Loyalty & Recognition team at USAA. After joining USAA 3 years ago, Blake's role has been focused on developing and leading loyalty-related initiatives including the membership benefits experience, credit score monitoring, member recognition, and the development of an association-wide loyalty program.
Prior to USAA, Blake worked in consumer banking Strategy for 9 years at Truist and Bank of America. While at Truist he led a Strategy and Competitive Intelligence team supporting segmentation strategies, Client Lifetime Value, strategic planning, and the BB&T/Suntrust Merger.
Blake has an MBA from Wake Forest University and a BS in Management and Accounting from Purdue University. Outside of work, he loves spending time on Lake Norman with his wife Ginna and son Harvey. Growing up outside Detroit, Michigan he is also an avid Red Wings & Lions fan.
Mari Prats is a digital marketing leader with experience spanning influencer marketing, content strategy, innovation, paid media, eCommerce, and gamification. She has worked across a diverse range of industries, including beauty, technology, and QSR, bringing a cross-functional and consumer-first perspective to growth.
Currently at Burger King, Mari leads growth and innovation initiatives, driving new guest acquisition through strategic partnerships while enhancing engagement and loyalty through gamification. Her work has contributed to meaningful sales impact by attracting and retaining some of Burger King’s most loyal customers.
Sarah Kiehl is a marketing leader with nearly nine years of experience at Nestlé Purina PetCare, spanning brand marketing and loyalty innovation. She began her Purina career working across iconic brands including Beggin’ Dog Treats, Beneful, and Cat Chow, where she supported and led initiatives across product development and brand communications.
For the past three years, Sarah has been a key member of Purina’s New Business Models team, specializing in consumer and professional loyalty. She has played a central role in three major loyalty programs - Cat Chow MyPerks, myPurina consumer loyalty, and Pro Club professional loyalty - and currently serves as the Engagement & Retention Lead for myPurina and Pro Club, driving strategy and engagement across Purina’s ecosystem.
Prior to Purina, Sarah worked in brand marketing at Hallmark Cards and Spectrum Brands.
Sarah lives in St. Louis with her husband, two daughters, and two goldendoodles.
With four years’ experience at Nestle Purina Petcare, she spent her first two years redesigning and facilitating cross-functional ideation sessions in Purina’s Innovation Center, LAB9. Her passion for putting the consumer first eventually led her to the New Business Models team, where Purina challenges themselves to meet consumer needs ‘beyond the bag.’ Her past couple of years have been dedicated to standing up the myPurina app and loyalty program, with an emphasis on business opportunity discovery.
Kit lives in St. Louis with her fiancé, dog, and cat.
Justin Levy is the Senior Vice President of Marketing at Tao Group Hospitality, where he oversees marketing strategy across 35+ premier restaurant, nightlife, and daylife venues in New York City, while leading all marketing technology initiatives globally. His scope spans the full marketing stack: Rewards App development, loyalty program strategy, CRM, ticketing, web, digital, social media, and digital advertising, positioning him at the intersection of creative vision and technical execution.
With nearly 16 years at Tao Group, Justin is one of the longest tenured executives at the company and has been a driving force in keeping Tao Group Hospitality at the forefront of innovative marketing and creative thinking in the hospitality industry, consistently pushing the boundaries of what guest engagement looks like at the intersection of culture, nightlife, and dining. Most notably, he conceived and built the Tao Group Rewards program from the ground up, leading its development, design, and growth over the past 3.5 years into a cornerstone of the brand's guest retention and loyalty strategy.
Tara Sterger is the Sr. Manager, Loyalty & Subscription at MANSCAPED®, where she has championed the voice of the customer for more than five years. In her role, Tara leads the strategy, development, and optimization of MANSCAPED® Members Only Rewards, the brand’s loyalty and subscription ecosystem – overseeing lifecycle initiatives, member engagement strategy, and program innovation designed to deepen relationships, increase lifetime value, and turn customers into long-term brand advocates.
With more than 15 years of experience in the customer loyalty space, Tara brings a proven track record of building scalable programs that balance meaningful customer connection with measurable business growth. She is known for her ability to translate customer insights and behavioral data into impactful retention strategies, continuously refining the member experience through testing and personalization. Prior to MANSCAPED®, she served as Sr. Loyalty Marketing Manager at Road Runner Sports, where she helped evolve one of the retail industry's most established membership programs, driving retention, personalization, and omnichannel engagement.
Launching a new loyalty program requires more than compelling benefits. It demands an operating model designed to scale confidently across the enterprise from day one.
In this session, Victoria Dravneek, Head of Loyalty Strategy and Platforms at PNC, will share how PNC designed and launched PNC TotalRewards, the brand’s loyalty strategy built to deepen customer relationships and increase lifetime value by rewarding a client’s complete relationship with PNC.
Attendees will gain a behind-the-scenes look at how PNC approached program creation with enterprise execution in mind, aligning leadership, standardizing language, and prioritizing early employee training and enablement to support consistent execution across the organization. The session will also explore how rollout planning, analytics, and performance measurement were structured to support confident execution and continuous optimization post-launch.
Victoria Dravneek is senior vice president and director of Loyalty Strategy Platforms at PNC Bank. In this role, she is responsible for envisioning loyalty experiences that drive client retention and asset growth, including the new PNC TotalRewards experience. In addition, she is responsible for driving greater satisfaction and retention as well as deepening clients across PNC's retail, small business and private bank businesses. Prior to joining PNC in 2023 Dravneek spent the past decade leading Bank of America's loyalty efforts, including the development, strategy and engagement for their award-winning Preferred Rewards client-centric loyalty program; the first of its kind in the industry. Dravneek also led the BankAmeriDeals card-linked offer program, development of their Partner Rewards program, created Bank of America's My Rewards portal, introduced personalized video to the company and introduced personalized rewards insights via Bank of America's Erika virtual assistant platform. Dravneek also has a history leading payments innovation and execution, fraud strategy and developing personalization strategies. Prior to banking, she spent a decade in digital start-ups, developing business and digital strategies and content for a range of businesses, including Viacom, iVillage, Women.com and Honeywell. She also filed over 50 patents on the subjects of rewards, data usage, personalization, blockchain, virtual and augmented reality and more. She received Bachelor of Arts in English literature and a Bachelor of Science in economics from The King's College.
Loyalty Expo 2026 May 12-14, 2026 Orlando, FL
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