Consumer Bankers Association

Executive Banking School Faculty

With an average of more than 20 years in banking, each of our faculty members brings "in the trenches" experience and context for what it takes to be a successful retail banker. What sets our faculty apart is their dedication and accessibility to students; they don't parachute in and out of sessions. They serve as mentors to students throughout the program - and beyond. And when they're not teaching, they are continuously analyzing and refining our unique curriculum to ensure that students achieve the goals of our program. Click here to learn more about our committed coaches.

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Michael Allen Michael Allen (Mike) Class of 1996
Digital Director
First Financial Bancorp
Cincinnati, OH

Mike joined the CBA in 2012 to help ramp up its newly formed OnSite Education capabilities, and to update and refresh its retail bank simulation model. Before joining CBA, he was the Senior Vice President for Retail Banking at Liberty Bank, N.A., a community bank located in suburban Cleveland, OH. Prior to that, Mike managed the development of next generation decisioning and optimization capabilities for the retail division of National City Bank to support the sales process for customer product selection, product bundling, demand based pricing and credit underwriting. He has also held positions in product management for home equity and education finance products, as well as roles in marketing, sales support, IT and special projects in the CFO group. Mike is a 1996 graduate of CBA's Executive Banking School and has been an instructor for EBS since 1997. He has also earned both an MBA with a concentration in Finance and a BA in English from the University of Pittsburgh

Daniel Ayala Daniel Ayala (Danny) Class of 2010
Executive Vice President and Group Head, Global Remittance Services
Wells Fargo Bank, N.A.
Concord, CA

Daniel Ayala is Executive Vice President and business unit manager for Wells Fargo's Global Remittance Services group. He manages product development, product management, operations and customer service for Wells Fargo's consumer remittance service activities. Ayala and his team manage the Wells Fargo ExpressSend service and other products focused on consumer remittances to Asia and Latin America. Ayala is a global payments systems expert with more than 20 years of related consumer and wholesale banking experience. Previously, he has been responsible for corporate and financial institutions treasury management activities focused on product management, marketing and sales management for Citibank, JP Morgan Chase and Bank of America. He earned a bachelor's degree in computer science from DePaul University in Chicago, Illinois and an MBA from Nova Southeastern University in Fort Lauderdale, Florida. Ayala is a Certified Cash Manager (CCM) with the Association for Financial Professionals. He is a graduate member of the Wells Fargo Diversified Products Management Development program. And he is also a graduate of the Graduate School of Retail Bank Management - Class of 2010.

R. Theodore Brauch R. Theodore Brauch (Ted) Class of 1996
Senior Vice President, Operational Risk Senior Manager
Citigroup Inc.
Ponte Vedra Beach, FL

R. Theodore (Ted) Brauch currently serves as SVP, Operational Risk Senior Manager with Citi and has more than 35 years of experience in the financial services industry. His previous positions include Director of Risk Management for MainSource Financial Group, Senior Private Banker at Wells Fargo and SunTrust, Chief Risk Executive for NetBank, Inc., Consumer Finance Group Senior Vice President at Bank of America, General Auditor of Barnett Banks, Inc. and Managing Director, Business Savings and Investments for Barnett Banks, Inc. He earned a Bachelor's Degree in Business Administration from the University of Notre Dame, a Master's in Business Administration from Fordham University and is an honors graduate of the CBA Executive Banking School. Ted holds several professional designations including Certified Financial Planner®, Chartered Life Underwriter® and Chartered Financial Consultant®. He is actively involved in the community having previously served as President of the Notre Dame Club of Greater Jacksonville, Chairman of the Board for Seniors on a Mission [a non profit serving senior citizens], and Chairman, Project SOS. Ted currently resides in Ponte Vedra Beach, Florida with his wife, Lisa, and is the proud father of four children.

Laura Callahan Laura Callahan (Laurie)
Vice President, Leadership and Management Development
Wells Fargo and Company, Inc.
La Vista, NE

Laurie Callahan is VP of leadership and management development for Wells Fargo Bank, specializing in increasing the performance of leaders and managers. She partners closely with the Gallup Organization as a Master Trainer in bringing their tools such as the Clifton StrengthsFinder and the Q12 to life within Wells Fargo. She joined Wells Fargo in 1987 and has held management positions in Regional Banking, Sales Development and Learning and Development. Laurie has been on design teams that created management and leadership competencies, various assessment tools, management, leadership and diversity curriculum. As a senior facilitator and coach, her sense of humor and straight forward approach has helped leaders and their teams improve their effectiveness and performance. Laurie graduated from the University of Nebraska with a B.S. in Business Administration and a specialization in Sales and Sales Management.

Patrick Cristino Patrick Cristino
National Sales Director for Retail
Citizens Bank
Providence, RI

Patrick has been a leader in the banking industry for over 14 years. He is currently a member of Citizens Bank Executive Leadership Group, and Retail Director for Rhode Island, Connecticut, and Parts of Massachusetts. He is also a trustee for the Pawtucket Boys and Girls club, and has coached Basketball for 16 years at the High School and Collegiate level. Patrick is a graduate from Millersville University in Finance, and Executive Leadership certification from Babson College.

Thomas Dent Thomas Dent (Tom) Class of 2017
SVP, SBA Chief Credit Officer
PNC Bank, N.A.
Cleveland, OH

Tom Dent is Senior Vice President and Chief Credit Officer for PNC Merchant Services. Prior to assuming his current position, he led the SBA lending effort for PNC, and served in numerous roles in risk management supporting the Dealer Finance, Business Banking, Commercial Banking and Mortgage lines of business. Before joining PNC, he served 10 years on active duty as a naval officer and aviator. Tom holds a Bachelor of Science in Aerospace Engineering from the United States Naval Academy and an MBA in Finance from Fisher College of Business at The Ohio State University. He has been a CFA charterholder since 2005. Tom currently serves as a board member of Adoption Network Cleveland, Beck Center for the Arts, and a local Selective Service board. He resides in Lakewood, Ohio with his wife and two children.

Jill Enabnit Jill Enabnit Class of 2013
SVP Product Strategy & Support
U.S. Bancorp
Minneapolis, MN

Jill Enabnit has over 15 years of retail banking experience and is currently SVP of Deposit Product Management & Pricing Science at U.S. Bank. She leads deposit product and fee income management in addition to price optimization for credit and deposit products. She was previously responsible for advanced analytics including customer segmentation and marketing modelling, media mix optimization, market research and locations analysis for the enterprise. This included business line ownership for the relationship management system to support customer valuation and treatment strategies across segments. Other leadership roles have included database marketing for the retail bank and client acquisition strategy for affluent segment growth initiatives. Jill holds graduate and undergraduate degrees from the University of Iowa in Economics and Finance and was the 2013 Tem Wooldridge Award recipient from the CBA Executive Banking School.

William Fanter William Fanter (Bill) Class of 2009
Senior Vice President
U.S. Bancorp
Chicago, IL

Most people are surprised to learn that Bill's banking career began more than 30 years ago as a teller for Gary Wheaton/First National Bank of Chicago. Just seven years later, his drive for success secured a vice president title in the retail banking and sales divisions at GreatBanc, Inc. Bill's passion for finance bloomed as he also took on the GreatBanc, Inc. Chief Operating Officer position. This challenge prepared Bill to embrace his next opportunity in 2002 with New Jersey-based Kirchman Corporation as the Director of Automation Services. In 2003, Bill decided to make a strategic career move to U.S. Bank. The company's culture and direction appealed to his intrepid business vision. U.S. Bank continued to inspire Bill. In 2007, he was appointed the Senior Vice President, Region Manager of the newly annexed Chicago Metro Midwest districts. Bill currently manages 134 retail banking branches that cultivate $9 billion in deposits and $1.6 billion in loans. Bill focuses on stimulating growth and acquiring market share in Chicagoland. He also strives to ensure that every customer interaction is exceptional. At the end of a busy day developing the careers of more than 1,100 employees, Bill happily takes on his valiant role as a dad to his son Kyle, and daughter McKenzie. Jolynne, his wife of 24 years, is also a career banker.

Cynthia Frederick Cynthia Frederick Class of 2016
Client Experience & Organizational Transformation Director
Citigroup Inc.
Chicago, IL

Cynthia is Director of Client Experience and Organizational Transformation for Citibank's US Branch Network. Her team has responsibility for client engagement models, concept tests, branch readiness and role/staffing design. She has nearly twenty years of industry experience, having led branch markets in service, relationship management and operations as Area Director for Citibank and Bank of America. She spent her early career in community banks with responsibilities in marketing, compliance and product. Cynthia has a passion for promoting the synergies between associate engagement and client experience and is an active advocate of affinity networks, having served as the Citi Chicago Women's Network Co-Chair from 2015-2017. Cynthia earned her Bachelor of Arts in Business Administration from Dominican University and graduated from Executive Bank School in 2016. In her free time, Cynthia enjoys skiing, running and spending time with her husband and dogs.

James Fugitte James Fugitte (Jim) Class of 1974
Elizabethtown, KY

Jim is sunsetting a 50-year career leading banks and founding companies by consulting on strategy. In this role, he led a new initiative for Plansmith Inc., providing consulting services for community banks wishing to find new sources of revenue while expanding their role in service to their communities. During his career in banking and financial services, Jim has held several senior executive positions to include President and CEO of Fort Knox National Company; Fort Knox National Bank; Military Assistance Corporation; Citizens Bank of Elizabethtown; as well as Chairman of the Faculty Advisory Committee at the CBA Executive Banking School; Trustee and Chair of the development committee of Lindsey Wilson College, just to name a few. Jim earned a bachelor's degree in commerce from the Univ. of Kentucky and a master's degree in economics from the Univ. of Oklahoma. In addition to the Fort Knox National Company Board of Directors, he has also served as a board member for Mid-America Payment Exchange, a regional National Automated Clearing House (NACHA) organization; the Hospice Foundation of Louisville; Kentucky United Methodist Foundation and the Innovation and Commercialization Center of Central Kentucky. Among other awards, Jim received the 2001 Ernst & Young entrepreneur of the Year Award for KY & So. IN.

Allison Gambucci Allison Gambucci Class of 2006
Vice President, Mass Affluent, National Sales Strategy Manager Premier Banking
Bank of the West
Belmont, CA

Allison is currently the Sales Strategy Manager for Bank of the West, focused on the continued development and execution of the Premier Banker Program supporting the Mass Affluent Strategy. Allison has 35 years of financial services experience, where she has held numerous positions within Retail Banking including Area Director, Division Sales Director, and Region Sales Support and Program Manager. Her career has been focused on leading teams, driving results, enhancing the client experience while developing our future leaders. Allison graduated from the College of Notre Dame, with a Bachelor of Science degree in Business Administration. She is a 2006 graduate of the Consumer Bankers Association Executive Banking School (formerly the Graduate School of Retail Banking) and has served on the faculty since 2009.

Donovan Gibson Donovan Gibson Class of 2009
Program Director, Analytics Strategy and Integration
Columbus, OH

Donovan is a graduate of the CBA Executive Banking School (2009). He holds both Undergraduate and Graduate Degrees in Finance and Economics; as well as certifications in Project Management (PMP), Risk Management (RMP), Change Management (ADKAR), and Harvard Leadership (GMP). Donovan has over twenty years of financial, statistical, and quantitative valuation experience in financial services. He began his career twenty years ago in financial consulting and has had the pleasure of working with some high profile firms along the way - as well as traveling to, and living in, several parts of Asia and Europe. Ten years ago Donovan left consulting to join JPMorgan Chase directly. At Chase, Donovan has been promoted and moved around quite a bit. He began as an Operations Finance Manager - managing several finance teams across the globe and managing key functional integrations during the Bears Sterns and Washington Mutual acquisitions. He was then promoted to Business Unit CFO where he helped run a business and manage a budget of $1.4B. Currently for Chase, Donovan manages multi-year, multi-million dollar Analytics Integration Programs and overseas teams of Program Managers, Data Scientists, Technology Developers, and Risk and Control Personnel. Interests outside of Banking: Donovan also owns a Non-Profit specializing in Nutrition Advocacy in underserved populations and public programs, and provides Nutrition Counseling for both public entities and private clients. For fun, Donovan loves to run - with his most favorite being trail running - and is a running coach at various age levels helping both new and seasoned runners achieve proper biomechanics based on age, body type, distance, and terrain. Donovan is married with two children and resides in Columbus, OH. His hobbies include: reading history and biographies, running for fun and friendships, coaching, cross fit workouts, and playing with the kids as much as possible.

William Hippensteel William Hippensteel (Bill)
Director of Product Development
Commerce Bank, N.A.
St. Louis, MO

Bill is responsible for the management of the Commerce Bank's consumer products. This includes leading strategic initiatives for segment management, driving the innovation of new products, enhancements and redesign to meet client needs, and evaluating the potential, practicality and profitability of the overall product portfolio. Prior to joining Commerce, Bill was the Chief Content Officer for the Bank Administration Institute. At BAI, Bill was rresponsible for tracking global industry trends and opportunities and for directing related development of BAI retail banking education, publishing, training and related research to provide critical strategic resources for the retail banking industry. Prior to joining BAI, Bill was EVP and Director of Product and Segment Management for BBVA Compass Bank. He previously held executive marketing and product management roles for Fifth Third and AMCORE Financial. Bill received an M.B.A. in Marketing from Western Michigan University and a B.S. in Finance from Michigan State University. He is a graduate of the Stonier Graduate School of Banking and the Wharton Business School/BBVA Marketing Graduate Program.

Richard Hunt Richard Hunt
President & Chief Executive Officer
Consumer Bankers Association
Washington, DC

Richard Hunt began leading CBA in its support and advocacy for the retail banking industry in 2009. With more than 20 years of association management and federal policy experience, as well as a deep understanding of guiding the financial services industry through unprecedented change, Hunt leads the organization's efforts to meet the needs of retail banks, their customers, small businesses, and communities they serve. Hunt's previous positions include serving as VP of federal policy for the Securities Industry and Financial Markets Association. In this role, Hunt led major initiatives on investment tax and retirement legislation, and various other financial services issues. He also provided political insight and strategic advice to senior financial executives, and was a national spokesperson on financial services issues. Hunt began his career in the U.S. House of Representatives where he spent 12 years serving as district manager and chief of staff for Congressman Jim McCrery (R-La). Originally from Louisiana, Hunt is a graduate of the University of Louisiana where he received a B.A. in business marketing.

Paul Leventhal Paul Leventhal
Compuchoix, LLC
Green Cove Springs, FL

Paul Leventhal, a former finance professor, specializes in the teaching of investment finance and banking, and has written in the area of bank mutual fund distribution. Paul has taught bank financial management in many countries including South Africa, Tunisia, Japan, Italy, Belgium, Jordan, Jamaica, India and Qatar. He holds a Ph.D. in Finance from Concordia University in Montreal and is a CFA charter holder.

Erica McCullough Erica McCullough Class of 2014
Compensation Manager
Wells Fargo Bank, N.A.
Charlotte, NC

Erica McCullough is Senior Vice President with 12 years at Wells Fargo Bank, based in Charlotte, NC. Over the past 21 years she has held numerous finance positions in retail banking and the financial services industry. She is currently the Compensation Manager for the Community Bank, responsible for leading compensation strategy initiatives for retail branches, call center and related support functions. Erica joined Wells Fargo (legacy Wachovia) in June 2004. Since then, Erica has held positions as Planning and Analytics Manager, Director of Accounting Controls and Financial Governance and Director Financial Planning and Executive Analytics within Community/Retail banking. In prior roles, Erica provided financial leadership to the Eastern Region Bank Central Finance teams and its corporate partners. In this capacity she provide product sales planning leadership, strategic guidance, and executive analytics to East region Bank and Community Bank leadership. Prior to Wells Fargo, Erica started her career with Deloitte & Touche, LLP. With her more than nine year career with Deloitte, Erica held roles ranging from Staff Auditor to Audit Manager. During her tenure at Deloitte she also served as a Financial Analyst and Controller for the Southeast Shared Services Group. A native of Atlanta, Georgia; Erica attended North Carolina Agricultural and Technical State University, earning a Bachelor of Science degree in Accounting. She is a Certified Public Accountant licensed in the state of North Carolina and a graduate of the CBA Graduate School of Retail Bank Management, Class of 2014. She serves on the Executive Leadership Team for the Black African-American Team Member Network and sits on the Finance Committee/Board of Directors for Charlotte Youth Ballet. Erica resides in Charlotte with her husband and two children.

Joseph McQuade Joseph McQuade (Joe) Class of 2013
Head of Retail & Small Business Credit Risk Management
Santander Bank, N.A.
Boston, MA

Lori Murray Lori Murray Class of 2006
World Wide Banking Offering Director
DXC Technology
Dublin, OH

Lori has been with Hewlett Packard since 2010. She is currently the Worldwide Banking Offering Director responsible for delivering solutions and developing HP intellectual property for the FINS industry. She does this by working with bank executives and by being connected to and understanding the FINS industry. Lori was in banking for 20+ years prior to moving to HP. While in banking she was a senior executive with demonstrated leadership in all aspects of strategic planning, design and execution, management, and network optimization. She has a proven history introducing innovative solutions, leading concurrent, large-scale projects and teams, and delivering timely, results-oriented solutions. She has vast experience in reconstituting underperforming business units and providing fiscal, strategic and operational leadership in uniquely challenging situations While in banking, Lori held a variety of positions at the senior level in Retail Banking, Operations, and IT. More specifically she led Retail Distribution and Strategic Planning, Retail and ATM Operations, ATM Channel Management, Innovation, Branch M&A, Bank-wide Operational Reconcilements, Cash Position Management, Customer Information Systems, Operations, and Operations Training. She was on the Pulse EFT Board of Directors and was one of the founding members of the NCR Aptra Edge Advisory Board. Lori has been a speaker at many Retail Banking conferences such as Best Practices in Retail Financial Services, Innovation in Payments and Strategies, and Innovation in Business Banking. She has her undergraduate degree from the Ohio State University, graduating in Finance, her MBA from the University of Dayton and a Graduate School of Retail Banking degree from Consumer Bankers Association, where she is on Faculty

Catherine Myers Catherine Myers (Cathy) Class of 2000
Consumer Bank Technology Executive
U.S. Bank
Naples, FL

Cathy is US Bank's Consumer Bank Technology Executive driving strategy, innovation and execution of collaborative technology solutions. She is a seasoned banking professional providing leadership to both sales and service functions and enhancing the overall customer experience. Cathy is a business honors graduate of West Virginia University with a Masters Degree from Xavier University in marketing. She has been on the CBA Executive Banking School faculty for several years supporting all aspects of the program and also helped launch and integrate CBA's MarketSim Onsite Education into US Bank's Consumer Bank Leadership Development Programs. Mentoring and coaching bankers to appreciate and contribute to the broader industry mission is a long standing personal passion. Cathy resides in Naples, Florida with her family.

Malcolm Myers Malcolm Myers
Chief Information Officer
First Financial Bancorp
Greensburg, IN

Malcolm is the Chief Information Officer (CIO) for First Financial Bank in Cincinnati, OH. He joined the company in this position in April 2018 after its merger with MainSource Financial Group where he had also served as CIO since April 2012. In this role, he is responsible for the development and execution of the information technology strategy for the enterprise - which includes Architecture and Engineering, Enterprise Data Management, Enterprise Information Security, and Technology Services and Operations. Prior to joining MainSource, Malcolm was Senior Vice President of Technology for FSV Payment Systems, Inc., a leading provider of prepaid and stored-value processing products and technology services. In his role at FSV, Malcolm was responsible for systems infrastructure, application development, enterprise data management and data security. Additionally, Malcolm has been on the faculty of the Consumer Bankers Association Executive Banking School since 2004 and brings over 30 years experience in the financial sector, including service with CitiStreet, LLC (a joint venture between CitiGroup and State Street Bank) and Barnett Bank, Inc. He earned his BA in Business Administration from the University of North Florida. Malcolm enjoys spending time with his wife and son. In his downtime, he likes participating in outdoor activities most notably running, fishing and gardening.

Todd Olson Todd Olson Class of 2012
Vice President - Strategy, Bus Banking, and Cust. Exp. Manager
U.S. Bank
Apple Valley, MN

Todd Olson has been with U.S. Bank for 26 years. Todd helped to begin the Business Banking focus in the In-Store and On-Site Banking Division in 2011 and currently leads the Strategy team for the Division in the areas of Business Banking, Customer Experience, and Wealth Management. He recently took on the leadership of the in-house MarketSim program for U.S. Bank. Todd received his undergraduate and Masters degrees from Northern State University in Aberdeen, South Dakota. He is a 2012 graduate of the Consumer Bankers Association Executive Banking School. Todd and his wife, Cory, also a U.S. Banker leader, live in Apple Valley, Minnesota.

Rhonda Pavlicek Rhonda Pavlicek
Senior Vice President & Chief Financial Officer
Texas Dow Employees Credit Union
Lake Jackson, TX

Rhonda Pavlicek is the Senior Vice President and Chief Financial Officer for TDECU, a Texas based credit union with assets over $3 billion. Rhonda has worked in various leadership roles in the credit union industry. In her current role, Rhonda oversees Accounting and Finance, Financial Strategy, ALM Management, Asset Quality, Secondary Markets, and Settlement Services & Operations. Rhonda earned her Masters in Business Administration from Texas A&M University in May 2016 and a BBA in 1994 from Texas State University. She is a graduate of the Credit Union Executive Society CEO Institute and the CBA Graduate School of Retail Bank Management. Rhonda has been a Certified Public Accountant in Texas since 2004. Rhonda currently serves on the Executive Committee of the Regional Payment Association, ePay Resources and is an active board member on the national association, NACHA.

Patrick Riley Patrick Riley (Pat)
Tucson, AZ

Pat Riley is a retired banking executive with over 30 years experience in retail banking, corporate banking, commercial and consumer lending, mortgage banking, and financial analysis and planning. He has had responsibility for business unit management, planning and budgeting, pricing, credit administration, and employee incentive plan design. He has also started and managed his own small business. He was born in California and holds a BA in economics from U.C.L.A. and an MBA in finance from U.C. Berkeley.

Tony Ross Tony Ross
Executive Vice President & Chief Credit Officer
Woodforest National Bank
Spring, TX

Tony Ross' twenty-eight (28) year career in banking has included general management, new business development, credit analysis, credit administration, and capital markets experience. Concurrently, Tony held a succession of increasingly more responsible positions within the Florida Army National Guard and U.S. Army Reserve retiring in 2012 at the rank of Lieutenant Colonel. Mr. Ross joined Woodforest National Bank in 2016 in The Woodlands (Houston) as Chief Credit Officer where he is responsible for effective, sound, and consistent underwriting and management within the bank's loan portfolio and the achievement of business goals related to loans and deposits, fee growth, profitability, client retention, and credit quality. Tony leads commercial, small business, and consumer underwriting, credit risk, real estate risk, loan review, and credit policy. He serves on many of the bank's committees including credit, ALCO, compliance, BSA, IT, and business continuity. Tony is also a past Chairman of the Risk Management Association (RMA) Gulf Coast Chapter, past President of RMA's Texas Chapter, and is RMA-Credit Risk Certified. Prior to joining Woodforest, Mr. Ross was Executive Vice President and Senior Credit Officer for Iberiabank for four years. He has additionally held positions with Capital One, Wachovia, Regions Bank, Washington Mutual, and SunTrust Bank. An R.O.T.C. scholarship recipient, Mr. Ross recently retired as a U.S. Army Infantry Lieutenant Colonel who served in numerous leadership and staff positions in the National Guard including Rifle Platoon Leader, Company Commander, and Battalion S-4 (Logistics) Officer. Tony was recognized for his military leadership accomplishments when he was selected as the 1996 Lowry Award recipient given annually to the outstanding Company grade officer in all of the Florida National Guard - both Army and Air. A veteran of Operation Iraqi Freedom, his last position with the Army was as the Director of the Battle Staff University of the 1st Mission Command Training Brigade of the 75th Training Division (MC). A native of Houston, Texas, Tony was graduated from Washington & Lee University in 1983 with a B.S. in Geology and received his M.B.A. with honors from the Crummer Graduate School of Business at Rollins College in 1988.

Rebecca Rothenhoefer Rebecca Rothenhoefer
Business Banking and Community Development, Training Manager
PNC Bank, N.A.
Frederick, MD

Rebecca Rothenhoefer is a Vice President within PNC University responsible for consulting with leaders to identify and create opportunities that empower employees to achieve business results. As a Strengths Performance Coach she partners closely with business leaders to improve individual and team engagement and performance. Rebecca brings over 30 years of financial industry experience in retail banking, leadership development and performance management. Her career includes leadership roles in regional management and training prior to leading her own performance consulting firm for eight years. She joined PNC in 2008 and has held leadership and management positions within Business Banking, Treasury Management and PNC University. Rebecca believes when people lead with their most valuable asset, their natural talents, they lead themselves and others to greatness. We must first lead ourselves to successfully lead teams and then the business. She received her B.A. in Business Management from Washington College in Chestertown, MD, is the proud mother of two grown daughters and resides in Frederick, MD.

Thomas Smythe Thomas Smythe
Professor, Department of Business and Accounting
Furman University
Greenville, SC

Tom holds degrees from Furman University (B.S.), George Mason University (MBA) and the University of South Carolina (PhD). He returned to his alma mater to teach in 2001. Prior, he was an assistant professor of finance at the University of Tennessee-Chattanooga where he taught banking at the undergraduate and graduate levels. After graduating from Furman in 1985, he spent 4 years in the Army as an Engineer Officer, including tours of duty in Honduras and Costa Rica. After leaving the Army in 1989, Tom worked for what was Mobil Oil for almost 7 years in New York City and Fairfax, Virginia where he was a systems and business analyst. Since finishing USC east, Tom has published numerous articles in both academic and practitioner journals, has been quoted or his work cited in the Wall Street Journal, Financial Times, USA Today, Consumer Reports, Money Magazine, CNN Money, the Chicago Tribune, and the Miami Herald. He is also a member of Southern Finance Association and Eastern Finance Association. Tom has a wife, Melissa, and four children, Zachary, Meagan, Erica, and Sara Beth that keep him entertained and busy. He enjoys watching his kids play sports, reading, and doing home improvement projects.

Maureen Sullivan Maureen Sullivan Class of 2004
Senior Vice President, Preferred and Small Business Banking
Bank of America Corporation
Boston, MA

Maureen is a Senior Vice President Preferred and Small Business Banking for Bank of America Corporation. Within Preferred and Small Business Banking, Maureen partners and collaborates with channel and product management to guide mortgage sales initiatives from business strategy through execution. She works to influence business strategy to maximize capability of the channel to identify customers' mortgage needs through fulfillment. With more than 15 years with Bank of America, Maureen has also held positions within Global Wealth and Investment Management and Consumer Banking focused on the management of strategic initiatives, business support and communications. She has also worked on numerous merger integration teams. Maureen earned a Bachelor's Degree in Chemistry with a Minor in Computer Applications from Fairfield University. She is an honors graduate of CBA's Executive Banking School.

Robert Underwood Robert Underwood (Bob)
Professor of Marketing
Furman University
Greenville, SC

Dr. Robert L. Underwood joined Furman University in August 2006 as the Robert E. Hughes Associate Professor of Business (Marketing), coming from the School of Business at the University of Alabama-Birmingham (UAB). Prior to joining UAB in 2001, Dr. Underwood served as an Assistant Professor in the Foster School of Business at Bradley University. Dr. Underwood earned his doctorate in marketing from Virginia Polytechnic Institute and State University (Virginia Tech), earned an MBA from the University of Alabama, and earned a Bachelor of Science in Accounting from the University of Alabama. His research has been published in a number of refereed journals including the American Journal of Health Promotion, Annual Advances in Business Cases, Business Horizons, Case Research Journal, Global Economy Journal, Journal for Advancement in Marketing Education, Journal of Financial Services Marketing, Journal of Marketing Communications, Journal of Marketing Theory and Practice, Journal of Product and Brand Management and Social Indicators Research. Dr. Underwood currently serves on the editorial board of the Journal of Marketing Theory and Practice. Dr. Underwood's current research program focuses on issues concerning globalization, international trade and advertising issues in the financial services industry. Over the past 20 years, he has taught in the areas of Consumer Behavior, Integrated Marketing Communication, International Marketing, Marketing Principles and Strategic Marketing Management.

Seth Waller Seth Waller Class of 2012
Executive Vice President & Chief Credit Officer
Jacksonville, FL

Seth Waller joined EverBank in 2012 and serves as an Executive Vice President and the Chief Credit Officer. With over 20 years of banking experience, Seth's career has focused on bank credit risk management. Previously, he served as Senior Vice President and Chief Credit Officer, Consumer Lending at U.S. Bank in Cincinnati. Earlier in his career, Seth held senior risk management and credit positions with GE Capital, Bank of America, Transamerica, and American General. He attended the United States Naval Academy, in Annapolis, MD, and is a graduate of the University of West Florida. He received an MBA in finance from the University of North Carolina at Charlotte and he holds the Credit Risk Certification ("CRC") designation from the Risk Management Association.

Anthony Warden Anthony Warden (Tony) Class of 2015
Head of Loan Resolutions
Texas Dow Employees Credit Union
Sugar Land , TX

Anthony (Tony) Warden currently serves as Head of Risk Management Default Servicing with TDECU and has more than 30 years of experience in financial services. Previous positions include Head of Mortgage Fulfillment and Member Debt Solutions for USAA, FVP of Mortgage Default Servicing, Commercial Closing and Servicing, and Collections at WaMu, VP of Customer Service and Card Collections for Bank One, National Director Exxon Oil Portfolio with GE Capital, and Director of Collections at Discover Card. Tony graduated CBA Executive Banking School with distinguished honors as Tem Wooldridge award recipient, class of 2015, is a graduate of ABA Bank Card School and is a certified six sigma Black Belt (GE). Prior to venturing into financial services industry, he served proudly as a decorated combat veteran in the US Army's elite 82d Airborne Division. Tony is an active member of the CBA's Default Management Committee and was honored to join CBA's Executive Banking School faculty in November 2017. As a selfless servant leader, he is grateful for the opportunity to "give back" by helping teach the next generation of executive bankers. Tony resides in Missouri City, Texas with Julie, his bride of 30 years. As empty nesters they are the proud parents of two adult children.

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