John Aramini founded Aramini Management in 2005 bringing his hands-on experience in sales, process improvement, and customer retention combined with a background in counseling psychology to establish his unique management counseling firm. Aramini Management has maintained a track record of success working with business owners and senior management to improve their business practices and sustain their company’s growth. John has a MA degree in Counseling Psychology from Columbia University Teachers College as well as a BA degree in Psychology. He received additional training in counseling psychology in a doctoral program at New York University.
Pam recently retired after nearly 35 years in banking. Her bank experience includes: Human Resources, Retail Banking, Compliance, Marketing, Consumer Lending, Real Estate Lending and Commercial Lending. In her early years, Pam was very involved in AIB. She was a Chapter President and served on the board of the MN South Central Chapter for several years. Pam has taught Consumer Lending, Residential Mortgage Lending and Principles of Banking.
Greg has over 30 years of financial service industry experience at savings and loans, commercial banks, consulting and trade associations. He has served for more than 25 years as an instructor at various banking schools including CFTAS, Consumer Bankers Association’s Graduate School of Retail Banking at the University of Virginia, America’s Community Banker’s National School of Banking at Fairfield University and ABA’s Bank Marketing Association’s Essentials of Marketing for Bankers School at the University of Maryland. Greg holds a BA and MBA from the University of Maryland.
Frank has more than 30 years of banking and corporate experience. Currently Frank is a managing partner at Westmont Business Advisors focusing on business strategies for lending and treasury services for small and mid-sized businesses. Frank had a successful career in banking at Chemical Bank, Societe Generale and ANZ Bank as well as corporate treasury experience at Caxton Corp. and Investment Management Services. He holds an MBA in finance from Fairleigh Dickinson University and has Finra Series 7, 24 and 63 licenses.
Janice has been a senior training consultant for InterAction Training Systems (ITS) for fifteen years. She is a very seasoned presenter that has all the right stuff to wow her participants about the subject matter. Prior to joining ITS, Janice was the Senior Manager of Training for Consolidated Communications where she managed, designed, coordinated and presented training programs for this multi-state telco with over 1000 employees. Whether it is teaching how to coach, manage, lead, negotiate, service, sell or train at every level in an organization or if it is consulting on problem solving and servant leadership, Janice is the “go-to” person every bank wants to hear from. Participants appreciate her “been there, done that” humor along with her expert ability to facilitate learning.
Shelly has over 10 years in the Banking, Training, and Human Resource industries. During her banking career, she held several positions from Teller, Customer Service , Bank Trainer, and Human Resources Generalist. She was once a student of CFT, earning 2 banking diplomas. Shelly enjoyed her time as a CFT Student so much, that she sought out becoming a instructor because she truly believes that Knowledge is Power and the Key to Success. She also has a Bachelor’s Degree in Business Administration, with a concentration in Human Resource Management. Shelly and her husband live in Virginia with their 2 small children.
Nancy is president of Consulting Concepts, a company based in St. Louis, Missouri, that specializes in helping businesses develop their people into happier, more productive, and more professional employees. As an educator, trainer, and consultant for more than 25 years, Nancy’s outstanding speaking skill combined with her real-world experience makes her a highly acclaimed seminar leader and convention speaker. As a national speaker, Nancy has been sought out to provide training expertise to top corporations, such as Anheuser Busch, Bank of America, BJC, Blue Cross Blue Shield, CitiMortgage, Enterprise Rent-a-Car, Federal Reserve Bank, Ford Motor Company, Maritz Inc., Marriott Hotels, MasterCard International, Nestle Purina, Washington University, and the St. Louis Zoo.
An author and seasoned business consultant, Tony Cole has successfully coached thousands of people. He brings proven wisdom and expertise to companies nationwide, illustrating a parallel between army basic training, a no-excuses mentality and the accountability required for excellent performance in the corporate world. Tony graduated from the University of Connecticut with a degree in Education. A scholarship athlete, upon graduation Tony leveraged his experience to coach Iowa State University and University of Cincinnati athletic teams. He then spent more than 15 years in sales and sales management positions in the exercise equipment and insurance industries. This unique combination of coaching and selling led him to launch Anthony Cole Training in 1991, which builds sales cultures within organizations nationwide.
Harry worked 45 years in the banking industry, primarily in the area of finance. He was the Controller for Broadway Bank in Paterson, NJ, where he worked from 1972-1992. In 1994, he joined Lakeland Bank in Oak Ridge, NJ, where he was the Controller and later became a Vice President – Finance, where he managed the Treasury and Investor Relations functions for the bank, until his retirement in 2015. Additionally, Harry has worked for the past 34 years as an as an instructor for the American Institute of Banking/Center for Financial Training, where he has taught a variety of evening adult education courses and seminars. Since his retirement, he now conducts classes and seminars on a regular basis. Harry has a B.A. in Economics from Rutgers University and is also a graduate of the Bank Administration Institute of Banking – Graduate School of Banking.
Susan is a compliance consultant and trainer. She also has an affiliation with gettechnical inc. as an associate trainer. Her 33 year career in banking and training began with 20 years at First National Bank, in Fort Collins, CO. Susan has been a bank compliance consultant or compliance officer in Louisiana since 1998. During her career, Susan has successfully managed compliance programs and exams for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan brings decades of banking experience to the seminars that she presents and has a gift for explaining complex regulations with examples that are easy to understand. Her sense of humor and enthusiasm make the fast-paced classes fun AND effective. As a consultant, Susan has helped banks to recover from enforcement actions by implementing effective compliance programs, developing Fair Lending strategies, and receive positive CRA evaluations by developing CRA “context reports”. Susan regularly presents compliance seminars to bank or credit union associations in several states. Susan is a Certified Regulatory Compliance Manager and completed the ABA Graduate Compliance School. Susan also graduated from the University of Akron with a B.S in Art Education and the Graduate Banking School of the University of Colorado.
Christy Crawford is the Vice President of Gettechnical, Inc. located in Baton Rouge, LA for the last 10 years. Formerly a trainer for Wal-Mart Corporation, Christy brings her previous 10 years of sales and training expertise to your financial institution. She has a Bachelors Degree in Speech Communication from Louisiana State University. She is BSA/AML certified and her expertise is in the deposit side of the financial institution. She specializes in teller, new accounts, IRA, robbery and security, and BSA training. She brings humor, youth, and vitality to the programs she teaches.
Deborah is the President of gettechnical inc. She specializes in compliance and regulations for the deposit side of financial institutions. Her 20+ year career in banking and training began at Hibernia National Bank. She has been a seminar leader for many state associations and credit union groups across the nation. She has Bachelors and Masters degrees from Louisiana State University.
Barbara-Jean is the Senior Vice President, Director of Mortgage for Florence Bank. She has extensive experience in all aspects of banking including retail banking, commercial lending, and credit administration and credit training. She has over 30 years of banking experience. Her community involvement includes the Springfield Chamber, Dress for Success and United Way.
Vincent DiCara is owner of DiCara Training and Consulting LLC and has been involved in evaluation the credit needs of businesses for 30 years. He is a business advocate, lender, credit analyst and trainer. Vin has developed and conducted a wide variety of training programs for individuals who work in financial services as well as economic development and community development organizations. Recent clients include the West VA, North Dakota, South Dakota, Nebraska, and Tennessee Bankers Associations as well as CFT centers in Southern and Northern New England, Colorado, Missouri and Ohio. Mr. DiCara is a graduate of Bowdoin College in Brunswick ME and has a Masters Degree in Public Administration from the University of ME.
David Dickinson‘s banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a 110-million dollar bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces. He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA’s Regulatory Compliance Conference. David is also a trainer for hundreds of webinars and is a Certified Regulatory Compliance Manager (CRCM). The American Bankers Association honored David with their Distinguished Service Award in 2016. David and his wife Karen have 3 adult children (none of whom live at home!) & 3 cats (which Dave is allergic to). They live on a lake in Nebraska and when possible, Dave can be found fishing or in the water. David plays the guitar & piano and enjoys singing with Karen. Together they lead worship at their church.
Carolyn has over 25 years’ experience in community banking. During her career, she served as part of the senior management team of two new start-up banks in Georgia. Her breadth of experience allowed her to make the leap to consulting on deposit operations and IT compliance issues with community banks in 2005 when she started Bank Project Solutions. Her insight into banking trends led her to develop a curriculum and compliance training materials for Remote Deposit Capture for financial institutions in 2006. She has since trained hundreds of bankers on these issues at financial institutions and in online forums for third-party technology service providers. Because of her specialized knowledge in compliance, she has also facilitated sessions at several bank organization seminars, for a data processing Users’ Group, and recently at a compliance school.
Troy is a Professional Speaker and Author who has been featured on Good Morning America, CNN, FOX and in The Washington Post, Chicago Tribune, Newsday, The New Yorker and more. Author of “From Desperation to Dedication: An Ex-Con’s Lessons on Turning Failure into Success”. Despite the obstacles that only prison can produce, Troy was determined that his time behind bars would not be wasted time. Education would be his saving grace. When Troy walked out the doors of prison he carried with him two degrees, both obtained with a 4.0 GPA and designation on the Dean’s and President’s list.
Asaad is currently a Compliance Officer in New England. His career in banking began in 2004 at a multi-billion dollar, publicly traded bank in South Florida where he was a VP Internal Consultant and trusted adviser to senior and executive management specializing in risk management, business efficiency and strategic alignment. In 2004 and 2005 he was a part of the management team analyzing and improving the results of the bank’s disaster recovery operations during and after Hurricanes Frances, Jeanne and Wilma. Asaad has a BS in Finance from Florida State University, an MBA in Finance from Temple University and a Masters Degree in HR Management from the University of Limerick in Limerick, Ireland. He is a former Rotary International Foundation Ambassadorial Scholar and Adjunct Professor of HR Management.
Nancy is an in-demand speaker, trainer, and seminar leader with clients worldwide. She has conducted onsite and online training programs for banks, financial services firms, and other clients in North America, Europe, the Middle East, Asia, Australia, and the Caribbean. She also serves as an expert witness for law firms and the federal government in e-mail-related litigation.
Since 2001, Nancy Flynn’s ePolicy Institute has collaborated with American Management Association on an annual survey of e-mail and Internet policies, procedures, and best practices.
A popular media source, Nancy Flynn been interviewed by thousands of media outlets including Fortune, Forbes, Time, NewsWeek, BusinessWeek, Wall Street Journal, US News & World Report, Financial Times, USA Today, Readers Digest, Independent Banker, New York Times, National Public Radio, CBS Early Show, ABC World News with Diane Sawyer, CNBC, CNN Anderson Cooper 360, and Fox Business News among others.
Eric is a Vice President at US Bank and now works with the Small Business Segment Product & Strategy team where he focuses on developing both long & short-term small business strategy initiatives for the bank. His recent experience has extended to product/portfolio management where he managed the Home Equity credit & consumer checking account portfolios for U.S. Bank. Eric has 25 years of banking experience with positions to include Market Trainer, Retail Branch Management, Small Business Banking, Investments and Sales. He has taught courses for the MN AIB such as POB, Customer Service, Spanish for Bankers and Sales. Eric has a BA from Concordia University, St. Paul, MN; is a Certified Instructor for “The Power of Service” (fka “Treating Your Customers like Gold”), a CEU accredited customer service course; has completed: US Bank courses “Leadership Development Program”, US Bank “District Manager University”, & US Bank “Credit Camp – Managing a Consumer Lending Business.
Sal Fragapane is a Certified Regulatory Compliance Manager (CRCM) and a Certified Anti Money Laundering Specialist (CAMS) who serves as the Chief Compliance Officer and Chief Operating Officer of AML RightSource LLC. Sal maintains his Ohio life, health, and annuities license as well his Ohio personal lines property and casualty license. He received his MBA from Baldwin Wallace University and his BSBA from Bowling Green State University. Sal is also a graduate of the FBI Citizens Academy. Sal has spent 23 years in financial services between Key Bank, Third Federal Savings and Loan, and with AML RightSource. His experience in the roles as an internal auditor, retail banker, loan officer, BSA officer, Chief Operating Officer, and Chief Compliance Officer has provided him with the experience and well-rounded insight needed to effectively serve his clients. Sal has successfully managed and always improved compliance programs and exams for institutions regulated by the OCC, FDIC, FRB, OTS, NCUA, SEC, and FINRA. He spends his time working with banks, MSBs, private equity funds, and nonbank mortgage lenders as both a consultant and as their Virtual Compliance Officer.
Walt brings with him more than 28 years of financial sales and sales management experience and has been a Sales Development Expert with Anthony Cole Training Group for over 8 years. His webinars are delivered in an entertaining manner and he captures the engagement of his participants with his wit and open ‘story-telling’ style.. Walt personally coaches more than 50 salespeople across the country on how to achieve their sales goals and personal dreams.
Dr. Paul Gorman
Dr. Gorman is the owner of ELCEL Minnesota, and is a Farm Business & Financial Consultant with over 40 years of experience in the agriculture industry. He earned his B.S. in Agricultural Education from South Dakota State University and Ed.D. from the University of Minnesota. Prior to private consulting, he taught Farm Operations and Business Management for technical colleges in Iowa and Minnesota.
Bob is a partner at Boardman Law Firm, and has been professionally involved in Employment Relations and Civil Rights work for more than 30 years. He has designed the workplace policies and procedures of numerous employers. He litigates and serves as an expert witness in employment cases. A recognized educator and trainer, Bob has conducted more than 2,000 seminars throughout the United States and authored numerous articles on practical employment issues, civil rights and management practices. Bob is a member of the Society for Human Resource Management and the National Speakers Association.
Melissa has invested more than twenty-five years in the banking and financial services industries, first as a successful financial consultant, then progressing through corporate infrastructure to Director of National Training and Executive Consulting at a major financial services firm. Subsequently, she has trained and consulted with hundreds of bankers, financial advisers, and banking/sales and service professionals to improve their responsiveness to the changing expectations of American consumers.
As Vice President of Compliance Services, Tom is responsible for thought leadership on all compliance related internal and external initiatives. This includes contributions to the R&D, quality control, and sales & marketing departments. He is also responsible for ensuring that Safe Systems’ services incorporate and abide by appropriate financial industry regulations and best practices as well as serving as a regulatory compliance resource for Safe Systems’ customers. He is the author of the Compliance Guru website, and has 20+ years’ of experience in the banking industry. Hinkel holds a BA from Illinois Wesleyan University; an AA in computer programming; GSEC security certification from the SANS Institute; CISA and CRISC designations from ISACA, and the CCSA and CRMA designations from the IIA.
Regina Imperato, MA Ed
Regina has over 15 years business experience, in Information Technology and Management. In addition, she has been instructing adult learners for over 10 years. Her Master’s Degree is in online learning. She currently works for a local community college as a program supervisor, assisting adults who are interested in pursuing a career in public education. Regina developed the Project Management curriculum for CFT, and is currently teaching it as well as Business Communications for CFT.
Renee has been employed in the financial industry for over 29 years. She began her career as a teller and worked in the Retail Banking sector for 3 years until venturing into the lending arena. Her experience includes 25 years in lending. Her latest role is a commercial loan analyst at a local credit union. She has been an analyst for over 11 years. She received her Associate’s Degree in Liberal Arts and Sciences from Mount Wachusett Community College. She also holds three diplomas from CFT, Commercial, Residential and Consumer Lending. In addition, she has attended numerous webinars, seminars and trainings over the years to remain current on the continuously evolving lending environment. In 2015, she was the recipient of the “Unsung Hero” award from a previous employer. This award is given to an individual who continuously goes above and beyond in the workplace and treats others with the utmost respect.
Jeffery started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta. Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations. Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.
Jackie is a past Board of Director for 1st United Bank in Faribault, Minnesota, and a former Human Resources & Marketing Manager. She has 25 years of banking experience, and has taught many banking related courses and seminars.
Jeff is principal of Jeff Judy & Associates. He consults with financial institutions to make them more effective and efficient in managing organizational issues and he specializes in credit management. His booming voice and unique instructional style have been enjoyed around the globe. Jeff is a trainer for individual banks, bank holding companies, state and national trade associations and Jeff Judy’s booming voice and unique instructional style have been enjoyed in classrooms and auditoriums across the globe. Jeff is in demand as a trainer for individual banks, bank holding companies, state and national trade associations, and many major banking schools. His practical, down-to-earth approach consistently wins him high rankings from participants in his seminars and workshops. Jeff also educates audiences through his frequent interviews and articles in trade journals and more general financial media, as well as through his own biweekly electronic newsletter, “Jeff’s Thoughts”.
Denis is formerly an executive and partner of Originate Home Loans and 21st Century Mortgage Bankers (national mortgage bankers) as well as a $1 billion producer at Washington Mutual. He was featured in Broker Magazine for bringing unique and efficient distribution models to the banking industry and has been interviewed on FOX News, FOX Business, MSNBC, Reuters, and the Nightly Business Report. He has created software solutions for the banking, credit and identity theft industries. Through his vast experience in all aspects of the banking industry, Kelly witnessed first-hand the horrific effect that identity theft has on both individuals and society. In addition to The Official Identity Theft Prevention Handbook, Kelly wrote “An Identity Theft Paradise”, a whitepaper outlining the dangers and systematic failures regarding synthetic identity theft. Kelly has his Fair Credit Reporting Act certification from the Consumer Data Industry Association, Certified Identity Theft Risk Management Specialist certification from the Institute of Fraud Risk Management, and Certified Identity Expert designation from the Identity Ambassador Commission (IdentityAmbassador.org, an identity theft education and training organization he founded). Additionally, he is founder and President of IDCuffs.com, an identity theft prevention company, and TheIDChannel.com, a centralized resource for all the latest news and information regarding identity theft. He has had numerous speaking engagements and is recognized as a leader in the field of identity theft. Denis G. Kelly lives in Miami, Florida.
Elizabeth has worked in the financial and real estate fields for 18 years, as well as being a business owner. 16 of those years included lending, from working with borrowers to writing bank loan policy. Professional licenses have included Securities, Insurance and Real Estate Salesperson.
Patrice Konarik, CFP
Patrice is president and founder of Sunwest Training Corp. located near San Antonio, TX. She has over 25 years experience in the banking industry specializing in Deposit Accounts and IRAs, and is currently providing training in these areas for many organizations on a nationwide basis. Patrice earned her BS in Management from Binghamton University in New York and has been a Certified Financial Planner for over 20 years.
Adam LaBoda, Esq.
Adam is an attorney with Spencer Fane Britt & Browne LLP where he specializes in the representation of financial institutions. Adam was awarded his juris doctor from the University of Kansas Law School. Prior to joining Spencer Fane, Adam served as a law clerk for Chief Judge Lee M. Jackwig, United States Bankruptcy Court for the Southern District of Iowa. He is a member of the Missouri Bar and the Kansas Bar Associations, as well as a member of the Kansas and Missouri Bankers Associations, and the Kansas City Bankruptcy Bar Association. He is licensed to practice law in Missouri and Kansas, as well as the federal district courts in Kansas and the Western District of Missouri.
Lewis C. Laderer, Jr. is a principal in the law firm of Laderer & Fischer, P.C. in South Bend, Indiana. Laderer & Fischer focus their practice almost exclusively on the representation of commercial banks and other commercial lenders in the areas of banking law, commercial litigation and bankruptcy. Mr. Laderer has extensive experience in assisting community banks in structuring loan transactions, developing loan contracts, and in the management of problem loans and bankruptcies. Being a strong believer in continuing education in the area of loan documentation and collateralization, Mr. Laderer has provided training and consulting services to lenders, state and regional banking associations, and educational forums throughout the country. Mr. Laderer holds a B.S. degree from Miami University, Oxford, Ohio and a J.D. degree from the University of Notre Dame. He has practiced law since 1968.
Jim is Vice President and Wealth Management Advisor for U S Bank’s Private Client Reserve. He has been in the trust industry for 40 years. Prior to bank mergers he was a VP & Business Development Officer for Firstar Bank and a Financial Consultant for First Bank. He also held a variety of positions in Personal Trust with Wells Fargo Bank (formerly Norwest). Jim earned his B.A. from the University of St. Thomas. His Juris Doctor from William Mitchell College of Law, and completed post graduate courses at Stonier Graduate School of Banking, Rutgers University.
Chuck Lewis is Vice President, Compliance Services for MBA Bankers Service Corporation, a subsidiary of the Missouri Bankers Association. Chuck is available to help MBA members with compliance and BSA reviews, inbank training and other compliance services. Before joining the MBA in 2010, Chuck was Director for Risk Management Services for RSM McGladrey in Kansas City. Prior to McGladrey, Chuck was President of UMB Consulting Services, a division of UMB Financial Corporation. He joined UMB Bank in 1977 and worked in audit and in compliance for the bank and holding company prior to the formation of UMB Consulting Services. A Certified Regulatory Compliance Manager, Chuck frequently speaks at programs sponsored by the American Bankers Association and numerous state banking associations. In 2004, he received the Distinguished Service Award at the ABA’s Regulatory Compliance Conference. He is a current faculty member for the Barret School of Banking in Memphis, the MBA School of Compliance, the MBA School of Bank Management and the Graduate School of Banking in Wisconsin, in addition to speaking at numerous MBA educational events throughout the year. He has conducted hundreds of compliance reviews, BSA reviews, and HMDA scrubs for banks of all sizes across the country. Chuck graduated with a Bachelor’s degree in Business Administration from Central Missouri State University in Warrensburg.
For almost thirty years, Anne has been simplifying compliance issues for bankers. After earning her law degree from the University of Kansas, she joined the Kansas Bankers Association, where she developed its successful legal department and gave compliance-related seminars. She has been a compliance officer for two banks and currently works with Bank Management Services, where she continues to provide webinars to Kansas bankers. Her expertise at simplifying the complex and creating user-friendly reference manuals has made her a popular instructor.
Susan Mach, Ph.D.
Susan is a communication trainer, coach and strategist who works with a broad array of clients, including bank executives and staff. She is a partner in Mach Creative Services, a woman-owned, full-service communication firm. The firm helps executives as well as staff communicate clearly, crisply and compellingly to the media, shareholders, analysts, customers, employees and public officials. It also produces reports, videos, annual reports, Web content, press conferences and speeches.
Mike has recently retired after 30 years of work in the financial services field. Like many in the field, he started off as a teller and worked his way up to SVP. The major focus of his work was in back-office operations where he oversaw the support of all bank products. Early in his banking career Mike was introduced to CFT. For the last 25 years he has taught in the classroom and online for CFT working with literally thousands of students over the years. Mike has a Bachelors and Master’s Degree in Sociology from the University of Central Missouri. He has also earned many of the same CFT diplomas and certificates that his students strive for now.
Jim is a certified trainer and General Manager of Computer Information Development LLC. He became a certified trainer at California State University, Sacramento in 1999. Jim has 40 years direct experience in fraud prevention and remediation services. Jim started his career in 1971 with a small two state loan company called Universal Acceptance Corporation. Beginning as an office collector he ended his tenure at Univeral Acceptance as a senior manager. From there, Jim worked with Wells Fargo Bank in the auto lease department for 10 years. Jim spent the next 9 years with 2 different collection agencies in the California area; United Collection Service, Inc. in the Sacramento region and Platinum Recovery Service, Inc. in Orange County.
Rick is Executive Vice President of Community Bankers of Wisconsin. McGuigan authors and conducts a number of bank-related workshops annually, specializing in the areas of loss prevention, risk management, bank operations, lending, and bank security. He is a contributing author to a number of banking publications.
Dave is a former banker with over 40 years of safe deposit experience and is often referred to nationwide as the safe deposit GURU. In all 50 states he has trained over 250,000 safe deposit personnel since 1969, and has served the industry as President of the American, Texas and Houston Safe Deposit Associations. Dave is a featured speaker for the American Bankers Association’s TV network and has been interviewed by the Wall Street Journal, Money Magazine, New York Magazine, Associated Press, National Public Radio, AARP, Bottom Line Financial, FDIC, CUNA, CNN, CBS, ABC, NBC Nightly News and Court TV on current safe deposit issues. McGuinn has created numerous video and web training programs and his Safe Deposit Policy and Procedures Handbook is now the accepted standard for the financial industry.
Karie currently works for a Scient Federal Credit Union as a Financial Analyst in the Finance Department. Prior to this, she was the Loan Operations Team Leader at the Credit Union. The position involved mortgage, auto, consumer, and visa servicing. Before joining Scient, Karie worked for Dime Bank as the Commercial Loan Servicing Team Leader. She has 14 years of Banking Experience. In 2014 Karie graduated from Keller School of Management and obtained a Master’s Degree in HR Management with a concentration in Finance.
Zack Merrill is a Certified Bank Training Professional (CBTP), senior training consultant for InterAction Training. An experienced banker, Zack, ran a branch bank plus had full responsibility for developing and delivering training bank wide with a focus on exceptional sales and service. His experience and expertise for leading, coaching and training takes on a real-world, results-oriented approach in his speaking engagements, webinars and workshops. In 2013, InterAction Training created, The Training Institute, an organization dedicated to setting the standard for those responsible for training effectiveness in financial institutions. Zack has oversight for evaluating the quality, progress, and testing of candidates seeking to earn certification.
Keith Monson, CRCM
Keith E. Monson, CRCM is the Chief Risk Officer for Computer Services, Inc. He has nearly 25 years of banking experience and frequently speaks on a variety of compliance related issues. Mr. Monson has compliance experience with both large and small financial institutions and has also provided compliance management assistance to banks as a compliance consultant. He is a past Chairman of the CRCM Advisory Board and a former member of the Certification Council for the Institute of Certified Bankers. He teaches many CFT Federal Compliance Schools nationwide annually.
Karl is the President and CEO of KPN Consulting, an organization engaged in the ALCO, Funding, and Liquidity arena. His career has included positions as Director of Industry and Governmental Relations with Silverton Bank, President and Chief Marketing Officer of Institutional Deposits Corp (SR), and National Market Development Director for Promontory Interfinancial Network where he worked on national marketing strategies for the CDARS program.
Susan is a leading financial services expert with vast regulatory, risk management, and security best practice knowledge and expertise. As an auditor and consultant, Susan is dedicated to assisting financial institutions in implementing appropriate policies and controls to protect confidential information and comply with regulatory mandates and best practices. Her expertise as an auditor and former examiner provides her the knowledge and expertise to conduct comprehensive IT general control and data security reviews and assist de novo institutions in the vendor selection process, preparing policies and procedures, and instituting controls. She also consults for numerous security providers and vendors helping them align products and services to meet institution regulatory mandates. Susan is a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC), and Certified Risk Professional (CRP).
David Osburn, MBA, CCRA
David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, and credit managers on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors. His extensive professional background of over 30 years includes 15 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development. Mr. Osburn has been an adjunct college professor (MBA and undergraduate courses) for over 29 years including Regis University and the College of Southern Nevada. He holds an MBA from Utah State University, a BS in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).
Mike has over 30 years of management and leadership experience within the community banking, publicly traded regional banking, consulting and financial services support industry within the southeastern United States with specialization in operations, accounting, finance, information technology, project management, strategic planning, and merger/acquisition support services. He earned his Bachelor of Science (BS) degree in Business Administration and Computer Science from Troy University, Troy, AL, his Masters of Business Administration (MBA) from Fairfield University, Fairfield, CT, is a graduate of the University of Wisconsin’s School for Bank Administration, Madison, WI, and is a graduate of the Louisiana State University Graduate School of Banking, Baton Rouge, LA. Mike maintains advanced professional certifications including Certified Management Accountant (CMA), Certified Financial Manager (CFM), Certified Risk Professional (CRP), Certified Internal Controls Auditor (CICA) and is a candidate for Certified Treasury Professional (CTP). He is an active member of professional industry associations and organizations including the Bank Administration Institute (BAI), the Information Systems Audit and Control Association (ISACA), the Institute of Management Accountants (IMA), the Project Management Institute (PMI), the Technology Association of Georgia (TAG), and the Association for Financial Professionals (AFP).
Tom works in mortgage and consumer lending at the national, state, and local level as a lender, educator, and consultant. Over his twenty-nine year career, Tom worked with regulators, government agencies, thrifts, community banks, credit unions, and national trade associations, as well as local and national mortgage companies.
As an educator, Tom served for fifteen years as Director of the National Mortgage Institute and Community Lending Institute for the American Bankers Association and America’s Community Bankers. He serves as a Director for the Connecticut Mortgage Bankers Association and is its Education Committee co-chair. He also works in course evaluation and auditing for the Nationwide Mortgage Licensing System (NMLS) and was invited to help design the National Component of the SAFE MLO Test.
Tom has twenty years of experience designing and teaching courses for hundreds of bank, credit union, and mortgage banking employees, as well as their state and federal regulators.
As a lender and consultant, Tom worked in lending and compliance with lenders ranging from $11 million to $70 billion in assets. He held management positions in: residential and consumer lending; secondary marketing; loan servicing; compliance; and operations. In addition to managing lending departments and staff, Tom’s experience includes: underwriting in over 31 states; integrating mortgage banking operations into community banks; redesigning loan origination and servicing departments; and developing policies, procedures, and operations for residential, consumer, construction, income property, and secondary market lending.
Tom is on the board of directors of the CT Mortgage Bankers Association and a corporator for a CT community bank. He is a 1998 graduate of America’s Community Bankers’ National School of Banking and a 1992 honors graduate of the Connecticut School of Finance and Management.
He published several articles individually and is author of the industry standard textbook, Residential Mortgage Lending, Principles and Practices (6th edition), published in May, 2011.
Carl is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP), currently serving as a Senior Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at dozens of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.
Jim is president of The Rechel Group, Inc., a risk-consulting firm headquartered in Cincinnati, OH. He is on the board of The Institute for Criminal Justice Education, Montgomery, Alabama and a member of numerous national organizations, and is a certified financial security officer. Prior to working for The Rechel Group, Inc, Rechel was vice president for Fifth Third Bank headquartered in Cincinnati, where he held positions in various departments, including Retail and Lending, and Security Director. Rechel received a bachelor’s degree in business administration from the University of Cincinnati in 1982. He graduated from the FBI Academy in 1985 and was a special agent with the FBI in Selma, Alabama, for three years. Over the last 15 years, he has conducted workshops and seminars for more than 1000 professional organizations, and over 75,000 individuals.
Nestor has been in banking for over 15 years. Currently, he is the District Manager for Valley National Bank’s $1 billion Long Island district. He began his career as a part-time teller and worked his way up to head teller, platform supervisor, Branch Manager, and now District Manager. Nestor has extensive sales and leadership skills and has been a consistent top performer throughout his career. In addition to his numerous sales accolades, he is recognized in his Bank for having spearheaded the introduction and training to the entire Retail Banking division for a specialized loan product that has since yielded over $500M in closed loans since his involvement! Nestor received a Bachelor’s degree from Seton Hall University as well as a Master’s degree from Monmouth University. He is also graduating from the Stonier Graduate School of Banking as well as completing Executive Leadership courses at The University of Pennsylvania, The Wharton School of Business. An avid reader and traveler, Nestor immensely enjoys spending time with his family and friends.
Cynthia Rowan, PhD
Cynthia is a seasoned professional with an extensive background in banking; having served in a variety of line positions within the consumer and credit areas, as well as an officer in the areas of human resources and training. During her career, she has successfully worked with numerous financial institutions to improve their profitability. She has also aided in improving bank productivity by designing and implementing organizational development programs to include: performance management processes, employee development needs identification, creation of coaching cultures, corporate training needs assessments, and training program/curriculum design and delivery.
Before establishing Training Dynamics in 1995, Jamie worked for financial institutions in New Jersey and California. In the branch structure, she was an Assistant Manager. She was also a Trust Officer, handling municipal accounts. However, most of her time was in training and development. Jamie is a senior trainer and manages contract training for CFT. Some of the many projects that she has worked on include, Conversion Training, New Hire Training, and an Intro to Customer Service and Sales for Financial Institutions. She also works with clients to design Procedures Manuals.
Honey brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her banking background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank. Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality has left her lasting mark on InterAction Training, the firm she founded in 1983. As a graduate of the School of Bank Marketing from the University of Colorado, she realizes the value of quality education. Honey invests time as a faculty member for banking schools around the country. She is a repeat presenter for most of the state banking associations and is recognized as a BankersOnLine.com (BOL) Guru. Honey continues in her own personal pursuit of excellence and is a member of the American Society of Training and Development (ASTD). Currently she is pursuing a self study program on Six Sigma. She has obtained certification in Reality Therapy from the William Glasser Institute as well as certification from the Training and Development Program at Texas A & M.
Alan Short was in banking for 28 years and decided to retire early, at age 50. He started as a teller and worked his way up to President and CEO. He teaches Analyzing Financial Statements, Management, Human Relations and Organizational Behavior for CFT. He has been married for 36 years and lives north of Cincinnati, Ohio. They are animal lovers and have lots of pets.
Jenny has a Bachelor’s degree in Marketing and a Master’s in Management. She has worked as a teller, head teller, vault teller, branch manager, and a marketing manager. In addition to teaching for CFT (Supervision) she teaches the banking/finance certification courses for National Park College (Hot Springs, AR): Principles of Banking, Business & Management Financial Services, Basic Customer Service, Money & Banking and Legal Applications for Banking.
Jeff has been the Chief Lending Officer at Freedom Credit Union in Springfield, MA since 2013 and is in charge of managing the Commercial, Mortgage, and Consumer Lending portfolios, as well as the Collection functions of the credit union. He has over 30 years of lending experience in the Financial Services industry and has held several senior management positions throughout his career, including 18 years as Vice President at Florence Savings Bank. Jeff earned his MBA in Finance from Western New England University and BS in Finance at the University of Maine in Orono. He is the Past President of the Northampton Rotary Club and is a member of the Realtor Association of Pioneer Valley. Jeff has been an instructor for the Center for Financial Training since 1994, teaching courses on subjects such as real estate finance, marketing, accounting and analyzing financial statements.
John Mark Stephens
John Mark Stephens brings to Johnson Stephens & Leal over 25 years of both legal and banking experience, as a commercial and real estate lender for a major national bank and a regional lender, as well as representing clients in all areas of real estate finance transactions, including acquisition, development, and leasing of active real estate projects. John Mark also has extensive experience with real estate loan restructuring, workouts, foreclosures and disposition of distressed properties. He also has managed several successful real estate auctions for a national lender. John Mark represents both national and regional lenders and real estate developers in his legal practice. In addition, he has extensive experience in agricultural collection and litigation activities for a subsidiary of a multi-national foreign-owned supplier of agricultural products and services. John Mark obtained a B.B.A. degree in finance from Texas Tech University in 1985. Thereafter, he began his banking career as a commercial and real estate lender with Texas Commerce Bank in Houston, successfully completing the Robert Morris Associates credit analysis school, and continued his banking career with Chemical Bank and Chase Bank in Houston, and American State Bank in Lubbock. John Mark earned a Juris Doctorate from Texas Tech University School of Law in 2000, with magna cum laude honors. John Mark was an editor with the Texas Tech Law Review and his extensive analysis of the 2001 UCC revisions regarding agricultural liens was published in the Texas Tech Law Review. John Mark also served as senior editor of the Texas Tech Banking Journal and received high honors in numerous courses. John Mark is a graduate of the Southern Methodist Southwestern School Graduate School of Banking. John Mark is a member of the State Bar of Texas, the Dallas Bar Association, and the Mortgage Bankers Association. He is licensed to practice law in the U.S. District Courts and Federal Bankruptcy Courts for the Eastern, Northern, Southern, and Western Districts of Texas and the Eastern and Western Districts of Arkansas.
Dana is co-founder of Development Finance Training and Consulting, Inc. (DFTC). With more than 25 years of experience as a senior commercial lender and trainer, he has worked for several financial institutions in both the private and private non-profit sectors. He has worked and trained in all aspects of commercial lending. As a result, his approach to commercial lending issues is practical, hands-on, and based on real life situations.
Mary Beth Sworin
With a 30+ year career in banking, Mary Beth is the Vice President of Education, Training and Development at the Savings Institute Bank & Trust, where she manages the design, creation, delivery, and facilitation of bank-wide training and development programs, in support of the banks’ business and strategic initiatives and needs. She is a recipient of the Savings Institute’s prestigious President’s Award. At the Center for Financial Training, she is Chairperson of the Eastern Connecticut Leadership Council, Councilmember on the Bankers Forum. She has been a CFT classroom and online instructor since 1987 and is a recipient of the Teacher of the Year Award. Mary Beth graduated Phi Kappa Phi with a Bachelor of Science from the School of Human Development at The Pennsylvania State University and with Honors from the Connecticut School of Finance and Management. Mary Beth is a strong community outreach advocate. She volunteers as Crew Chief, EMT, Life Member at the KB Ambulance Corps, Danielson, CT, and is a CPR and First Aid Instructor for the American Heart Association. Mary Beth is also involved as a Community Outreach Educator for Junior Achievement and FDIC Money Smart. She is Past President, Secretary, and Board Member at ARC of Quinebaug Valley, and a former Board Member at Habitat for Humanity of Northeast Connecticut.
Ann has twenty-seven years of experience in bank accounting and control. She received a BA in Accounting from the University of Houston in 1982. From 1982 through 1997 she worked with Judith Alexander Jenkins, as Alexander & Associates and subsequently Alexander & Leavelle, providing planning, financial reporting, regulatory reporting, and operational and compliance auditing services to over ninety independent banks. In 1998, she organized Thomas Consulting. At Thomas Consulting she now prepares bank plans, monthly financial reports, performs regulatory compliance audits and training and internal control audits for several banks. Additionally, she prepares and reviews Call Reports for various banks. Ms. Thomas has taught numerous call report seminars for state banking associations. She has presented the Call Report Seminar to and has responded to questions from thousands of bankers in over 16 states. Her experience in working with a broad range of independent financial institutions is of unique value in understanding Call Report questions and in communicating with bankers in their language.
Terri is Senior Vice President and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with “Bankers Choice,” a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988. Presently, she serves as an adjunct instructor at Washburn University School of Law and the University of Kansas School of Law and is a frequent seminar presenter for financial associations.
Wally has been in Agriculture Lending for 22 years. Currently he is Vice President of Agriculture and Business Banking for Bremer Bank in Mankato, MN and serves as a team lead. Prior to starting his banking career, he was involved in Agriculture Education as an instructor for Post Secondary and Adult Education. He has his Bachelors’ and Masters of Science in Agriculture Education from NDSU. Wally was raised on a dairy farm in North Dakota.
Joe is the Assistant Treasurer for the University of Colorado. In this capacity he manages all of the University’s banking relationships, directs the University’s compliance efforts with regard to the Payment Card Industry Data Security Standard (PCIDSS), and consults internally on all aspects of cash flows and funds management. Prior to joining the University, he was an independent trainer and consultant working in the areas of electronic payments, treasury management, and payment and ecommerce security. Joe has also been the CEO of a regional ACH Association, the President of a small community financial institution, and a staff auditor for a banking trade association. He is active in both the local and national trade associations for treasury management, and is on the Board of Directors of the Treasury Institute for Higher Education, a national association chartered to bring best practices in treasury management to colleges and universities.
J.T. has nearly 30 years of experience in the lending industry. He has worked as a trainer for the past 22 years, in areas of lending, underwriting, origination, quality control, and personal growth. He is a seminar leader for the Center for Financial Training, a member of the Franklin Speakers Bureau, and past member of the National Speakers Association. J.T. is also a professional actor, with credits in film, TV, radio and on the stage.
Mark has over 20 years of banking experience including commercial lending, commercial real estate lending, loan rehabilitation and work out, as well as management. Prior to that he was an investment banker specializing in municipal finance and trading. His style of “Banker Teaching Banker” emphasizes current banking examples and scenarios to supplement the classroom approach to learning.
Phillip Vassallo, Ed.D.
Phil has designed, delivered, and supervised communication training programs for a wide range of managerial, administrative and technical professionals for more than 30 years. He is the author of the books How to Write Fast Under Pressure, The Art of E-Mail Writing, and The Art of On-the- Job Writing. He also writes the blog Words on the Line, which offers practical tips for developing writers. Dr. Vassallo holds a B.A. in English from Baruch College, an M.S. in education from Lehman College, and a doctorate in educational theory from Rutgers University.
Douglas Waldorf, Jr., Atty.
Doug is a Florida Bar Board Certified Real Estate Lawyer whose practice focuses on banking industry clients. He represents lenders in commercial and residential loan transactions, as well as in mortgage foreclosures, deeds in lieu of foreclosure, forbearance agreements and other matters related to defaulted loan workouts. Prior to joining Henderson Franklin in August of 2003, he served for nearly twelve years as Vice President and Corporate Legal Counsel for SunTrust Bank. Mr. Waldorf regularly serves as a lecturer on banking matters for the Miami-based Center for Financial Training. He writes The Lender’s Perspective, a periodic newsletter for banking industry clients, and has also authored a book entitled Bank Loan Defaults: Strategies and Tactics for Lenders in Florida. Mr. Waldorf was named to the 2006 list of Florida Super Lawyers which recognizes the state’s top five percent of attorneys as selected by extensive peer review.
Karen Wright has worked in the financial services industry for over 33 years. She graduated from Jacksonville University, Jacksonville Florida with a Bachelor of Science Degree in Business Administration. She currently holds the position of Vice President, Banking Risk Officer with EverBank in Jacksonville Florida. Karen has worked for commercial banks, credit unions and savings and loan banks. The positions she has held include Compliance Risk Analyst, Quality Control Auditor Team Lead, Branch Manager, Assistant Branch Manager, BSA Officer, Security Officer, Deposit Operations Manager, Branch Administration Officer and New Accounts Representative. Karen has taught courses for CFT for 15 years. Some of the courses she has taught include Law & Banking Principles, Law & Banking Applications, Individual Retirement Accounts, Deposit Accounts and Services, Banking Today and numerous seminars.