David Friedman, CEO & Author
CultureWise/High Performing Culture, LLC

David Friedman is an award-winning CEO, entrepreneur, author, and renowned public speaker. In 2011, he published his first book, Fundamentally Different, which is based on the insights he learned and taught throughout his leadership career. In 2021 he published the second edition of his book, Culture by Design, the definitive “how to” manual for building a high-performance culture — even in the new remote work environment. His current company, High Performing Culture, has helped hundreds of companies throughout North America to implement his culture operating system, CultureWise®.

Kamal Hosein, CFA, Managing Director
Stifel Financial Corp.

Kamal is a Managing Director at Stifel, providing leadership to its 35+ member Fixed Income Strategies Group, which lends personnel, thought, and analytical resources to clients. He develops and aids in implementation of strategies for optimizing investments and balance sheets. Prior to joining Stifel in March of 2011, Kamal was an Executive Vice President and Treasurer for the $25 billion Colonial Bank (now Truist), where he had been since June of 2003. His responsibilities included oversight and management of the bank’s overall interest rate risk, the fixed income investment and interest rate derivatives portfolios, wholesale funding sources and utilization, as well as loan and deposit pricing.

Christopher Marinac, Director of Research
Janney Montgomery Scott, LLC

As Director of Research at Janney Montgomery Scott, Chris oversees the firm’s Equity Research team, which covers more than 225 companies within the Financials, Healthcare, Infrastructure, and Real Estate sectors. He has more than 27 years of financial services and research analysis experience. Prior to joining Janney in 2019, he was Co-Founder and Director of Research at FIG Partners LLC, a premier investment banking and research firm specializing in community banks. He has served as a financial expert and resource to global and national media outlets including American Banker, Bloomberg, CNBC, Financial Times, FOX Business, and the Wall Street Journal.

Stephen Reyes, CISA, CISSP, IT Shareholder
Saltmarsh, Cleaveland & Gund

Stephen joined Saltmarsh in 1997 and has been practicing in this field since 1990. His experience includes computer networking and technology consulting. Stephen is a Certified Information Systems Auditor, Microsoft Certified Systems Engineer and a Cisco Certified Network Associate. He also holds certifications with ISACA, Novell, Citrix, and CompTIA. Stephen has assisted a number of financial institutions with IT compliance audits, security audits, as well as system selection, implementation and conversion.

Jason Keith, CIA, CISA, Senior Technology Risk Consultant
Saltmarsh, Cleaveland & Gund

Jason is a part of the Financial Institution Advisory Group of Saltmarsh where he specializes in technology solutions for various practice areas within financial institutions. Over the past 18 years, he has served in financial institutions as a Compliance Officer, Internal Bank Director, Operations Officer, Credit Administration Officer, Lender, Accountant, Chief Information Officer, Internal Auditor and Risk Officer. Prior to joining the firm, Jason also worked as a manager of Bank internal audit services and as a consultant for a regional accounting firm.

Michelle Chia, Head of Professional Liability and Cyber, USCI
Zurich North America

Michelle is the Head of Professional Liability and Cyber Underwriting at Zurich North America, where she manages Profit and Loss for the Technology, Manufacturing, and Miscellaneous Professional Liability and Cyber portfolios. Prior to this appointment, she oversaw the national accounts and middle market underwriting teams for the East and South regions for the same group. She has specialized in this field for over a decade, and sets strategy through collaboration with Claims, Actuarial, and Product Development teams. She has presented on various panels nationwide on the topics of cyber and professional liability, and she has also provided continuing education classes to insurance brokers on those subjects. She also contributes to articles in national publications on topics related to cyber.

Andrew Sekela
Federal Bureau of Investigation (FBI)

Supervisory Special Agent Andrew Sekela graduated from the U.S. Naval Academy and served on the USS Batfish, a nuclear-powered attack submarine. SSA Sekela completed a five-year tour with the Navy, and then worked in the private sector for seven years. After joining the FBI, SSA Sekela spent five years at the Washington Field Office (working public corruption and government fraud investigations) and three years assigned to the International Corruption Unit at FBIHQ. SSA Sekela is currently assigned to FBI Tampa, where he supervises a squad of Special Agents, Forensic Accountants, and Intelligence Analysts responsible for investigating white collar crime (including health care fraud, mortgage fraud, and corporate fraud), government fraud, and public corruption.

Jonathan Turner, CFE, VP, Compliance, Privacy & Governance
ZOLL Medical Corporation

Jonathan has extensive experience managing complex and sensitive issues, including corporate fraud, employee dishonesty, money laundering, and corporate compliance matters. For over 26 years his work with Fortune 500 and other leading companies has led to numerous multimillion-dollar recoveries from fraud and other integrity-related issues. He has been retained to provide expert testimony regarding fraud; on behalf of governmental, public, and private organizations; for matters before U.S. state, federal, and bankruptcy courts, as well as international courts. He is a Certified Fraud Examiner (CFE) and maintains active membership in the Association of Certified Fraud Examiners, where he is a Regent Emeritus.

Bob Moran, Portfolio Sr. Examiner, Consumer Compliance
Federal Reserve Bank of Atlanta

Bob Moran has been in the banking/financial industry since 1997. He joined the Federal Reserve Bank of Atlanta as a Consumer Compliance Associate Examiner in 2010. In his current role as a Portfolio Senior Examiner, he oversees and has responsibility for ten Community Bank Financial Institutions and one large Bank Holding Company within the Reserve Bank’s 6th District. As a Consumer Compliance Instructor within the Federal Reserve Bank System, Bob has facilitated numerous consumer compliance courses for new Reserve Bank examiners across the system. Prior to joining the Federal Reserve, Bob was a Licensed Personal Banker at a large regional bank in Atlanta, GA. He held a Series 7 Securities license and various insurance licenses when working as a Financial Advisor for both Edward Jones and AXA Advisors in Atlanta, GA.

Gary Clayton, Fair Lending Examination Specialist
Federal Deposit Insurance Corporation (FDIC)

In this role as a Fair Lending Examination Specialist, Gary serves as an advisor and consultant to examination staff as well as regional management on complex fair lending issues. He also works with senior fair lending staff in the Washington Office Division of Depositor and Consumer Protection (DCP) of the FDIC for the resolution of fair lending issues involving state non-member banks in the Atlanta Region. Gary is lead instructor for the FDIC’s Corporate University’s Advanced Fair Lending School. Gary has been recognized as Atlanta Region DCP Employee of the Year for his fair lending expertise. Before joining the FDIC, Gary worked for the Federal Reserve Bank of Atlanta as a Senior Examiner in Consumer Compliance for Large Bank Organizations where he specialized in CRA and fair lending compliance. He has been a speaker for the topics of fair lending and CRA at numerous seminars and conferences including the National Interagency Community Reinvestment Conference, Wolters Kluwer’s CRA & Fair Lending Colloquium, Interagency Minority Depository Institutions National Conference, Alabama Bankers Compliance Seminar, Florida Bankers Compliance Conference, and the Georgia Bankers Association Compliance Conference. Gary has also served as an instructor of Large Bank CRA for the American Bankers Association National Compliance School.

Connie Edwards, CRCM, Financial Institutions Shareholder
Saltmarsh, Cleaveland & Gund

Connie has two decades of in-depth experience in ensuring community bank organizational policies and procedures comply with applicable state and federal laws and regulations. Her areas of expertise include development and implementation of risk-based compliance audit programs, in addition to a wide range of legal and regulatory affairs knowledge in both private and corporate practice environments. She previously served as President and CEO of her own compliance consulting practice Banc Compliance Group, LLC, where she worked extensively with institutions regulated by the Federal Reserve’s Atlanta and St. Louis District offices; the Office of the Comptroller of the Currency; and the Federal Deposit Insurance Corporation.

Calvin R. Hagins, NBE, CRCM, CRP, AMLP, CPE, Deputy Assistant Director for Originations
Consumer Financial Protection Bureau

Calvin has over 30 years of experience in Federal supervision related to risk management practices and processes, compliance management systems, fair lending and general consumer protection. Calvin's principal responsibility at the Bureau is leading and directing the National Program for mortgage, student and automobile origination matters, as well as credit card account management matters for depository and non-depository financial services companies. He also leads the Office of Supervision Policy’s efforts to implement and update the Dodd-Frank Title XIV mortgage rules changes and the TILA/RESPA Integrated Disclosure Act (TRID).