We feel tremendously proud to be associated with an outstanding group of bankers and banking experts who lend their expertise to BankersOnline.com. You will find bios below for those BOL Gurus who have participated in one of our Guru Weeks.
Hussam Al-Abed
Hussam A. Al-Abed is an Anti-Money Laundering, Bank Fraud and Security Consultant, Public Speaker and a Leading Trainer in the Banking Industry since August 1995. With expertise on Money Laundering, Terrorist Financing, Bank Fraud, Security, and Investigation of Financial Crimes.
He is the advisor to the Association of Banks in Jordan on: "Anti Money Laundering & Combating the Financing of Terrorism, Bank Fraud & Security". Member of the Board of Directors (representing Jordan) and appointed expert to the Arab Federation of Forgery and Counterfeit Control (ARABFC)/Council of Arab Economic Unity (CAEU)/The League of Arab States. A former Advisory Board Member - The Association of Certified Anti-Money Laundering Specialists - ACAMS. (2002 - 2007. An Advisory Board Member of Compliance Alert (www.compliancealert.org). Chairman of Middle East Membership Taskforce - (ACAMS). A member of: Association of Certified Fraud Examiners (ACFE); International Association of Financial Crimes Investigators(IAFCI); The International Association for Counterterrorism & Security Professionals (IACSP); Professional Risk Managers' International Association (PRMIA); The American College of Forensic Examiners Institute (ACFEI); The International Association of Crime Analysts (IACA); The White-Collar Crime Research Consortium; The Arab Club For Media & Information Technologies. He is an associate of the Business Crime Bureau (BCB - Kuwait). He's a founder and editor of The Middle East - Bank Security - Newsletter. A founder of The International Anti Fraud Team (IAFT). Hussam is a writer on White Collar Crime topics in - "The Association of Banks in Jordan" and the "Arab Academy for Banking & Financial Sciences" both magazines. He is also involved in the "Anti- Money Laundering & Terrorist Financing" Training Program, Trainer at the Institute of Banking studies in Jordan and the "Detection of Forgery & Bank Fraud "Training Program, Trainer at the Institute of Banking studies in Jordan.
Organizations that have received training and consulting services included: Banks, Financial Institutions and Law Enforcement Agencies in: Jordan, Dubai, Kuwait, Qatar, Bahrain, Saudi Arabia, Egypt, and Libya.
Currently Hussam is the General Manager of "Risk Management Consultants" a firm that provides Anti- Money Laundering & Terrorist Financing and other white collar Crimes Training & Consulting services to Banks and other financial, commercial institutions, and law enforcement (Police, Customs) in The Middle East & North Africa.
Hussam has written numerous articles, research papers and training manuals on topics related to his areas of expertise in money laundering & terrorist financing and other white-collar crimes that were published in newspapers and magazines nationally and on the Web.
CONTACT: You can contact Hussam at: Risk Management Consultants, P.O.Box 3014 Amman 11821 - Jordan
Tel. + (962)6 55 39 069 Fax + (962)6 55 39 079 or email him at ninorta@go.com.jo or ninorta@gmail.com.
Jim Bedsole, CRCM, CBA, CFSA
Jim Bedsole is the Chief Risk Officer for Tidelands Bank (www.tidelandsbank.com), a community bank located in Mt. Pleasant, SC. His responsibilities include coordinating and managing internal audit, regulatory compliance, credit review, loss prevention/security, training, and Sarbanes-Oxley corporate governance compliance efforts.
Mr. Bedsole has over twenty years of experience in managing bank regulatory compliance and bank auditing programs with banks of all sizes in South Carolina and North Carolina including stints with Wachovia Bank and Carolina First Bank. He is a 1986 graduate of The Citadel, The Military College of South Carolina in Charleston, SC. He is also a graduate of the ABA National Graduate School of Compliance Management at Indiana University/Purdue University, Indianapolis. He is certified as a Certified Regulatory Compliance Manager, Certified Bank Auditor, and Certified Financial Services Auditor. Jim is a nationally recognized speaker on the topics of compliance, consumer protection regulations, auditing, risk management, Internet banking and use of Internet and Intranet resources. He is a former chairman of the SC Bankers Association Compliance and Regulatory Committee. He has served on the faculty of the NC School of Banking. He had authored articles appearing in both regional and national publications, including ABA Bank Compliance Magazine, Palmetto Banker and numerous Internet e-zines and web sites.
Brooke Blake
Brooke is the owner of Bank Security Network & Associates (BSNA) which provides security training, Reg. H compliance, risk assessment and trauma response services to community banks.
Brooke retired April 4, 2003 as Vice President and Security Training & Compliance Officer for SunTrust Bank, Atlanta, Georgia after twenty six years of service. He coordinated security training for more than three hundred branches including some seventy five supermarket locations throughout Georgia.
He is an advisor to the Bankers' Hotline and associated with the Georgia Bankers Association.
He is a former Special Agent of the FBI and has been involved in financial institution security since 1969. His teaching methods and style blend an interesting combination of law enforcement "muscle memory" techniques along with U.S. Marine Corps "Action Plan" and "Situation" training.
As a critical incident responder, he has learned much about "victim trauma" from over four hundred robbery and workplace violence victims he has assisted over the years. Networking with law enforcement and the corporate security community are an expertise he has developed resulting in the formation of the Atlanta Metropol Fraud Group and MetroTech.
He is an instructor at many banking association and law enforcement conferences. Brooke was recently given special recognition and an award for his dedication to the community by the Metropolitan Atlanta Crime Commission.
He graduated from the University of Baltimore, where he received his LLB degree. As a resident of Hall County, he is assists the Hall County Sheriff's Office as a volunteer where he coordinates the Business Action Team and Community Policing Services.
Kathleen Blanchard
Kathleen Blanchard is a regulatory compliance and bank risk management consultant. She has over 22 years of banking experience at bank's ranging in size from $2 billion to some of the world's largest banks.
Kathleen has held banking positions ranging from Credit Analyst, Commercial Lender, Credit Review Officer, Credit Support (workout) Officer, VP/Credit Officer, VP/Credit Policy and Procedures Manager, VP/Senior Compliance and Control Manager, SVP/Compliance Manager and FSVP/Risk Manager.
Her extensive experience with commercial and consumer lending, regulations, policies and procedures and bank wide controls allows her to help banks to develop workable processes to meet regulatory requirements.
She holds CRCM and CRP certifications and is a graduate of the ABA National Compliance School. Kathleen has extensive experience conducting training on many topics and has presented at conferences on banking topics and Sarbanes Oxley as it relates to banks. She has written white papers on banking issues and been published in the ABA Banking Journal and Compliance Week.
James W. (Jay) Bruce, III, Esq.
Jay Bruce is General Counsel of American Bank Systems and its subsidiaries,
ABS Proactive, LLC, and ABS Consulting Services, LLC. American Bank Systems
has been serving the financial industry for more than thirty years with
management and compliance systems. Jay is also of counsel with the
Oklahoma City law firm, Phillips McFall McCaffrey McVay and Murrah. Admitted
to the Oklahoma Bar in 1989, he received his education at Oklahoma State
University (B.S., Accounting, 1983) and the University of Oklahoma (J.D.,
1989). Jay is admitted to practice before all Oklahoma Courts, the U.S.
District Court, Western and Northern Districts of Oklahoma, the United
States Tax Court and the United States Court of Appeals, Tenth Circuit. He
is also a Certified Public Accountant, licensed in 1985. Jay served as a
judicial clerk for Justice Marian Opala of the Oklahoma Supreme Court in
1987. He is a member of the Oklahoma Bar Association and the Oklahoma
Society of Certified Public Accountants. Jay is also author of the book, From Grief to Glory:
Spiritual Journeys of Mourning Parents
CONTACT: You may contact Jay by telephone at (405) 607-7000 or by email at
jay@abs-ok.com.
John Burnett
John Burnett is a 1979 alumnus of the ABA National Compliance School, and served on its faculty for several years. He graduated with honors with the Class of 1990 from ABA's Stonier Graduate School of Banking, and is also a graduate of the BAI and the Massachusetts Banker Association Schools of Banking.
John began his banking career in high school when he started as a teller at a $15 million bank that didn't have account numbers for its checking accounts (he says they actually filed by signature!) He joined Cape Cod Bank and Trust Company in 1971 and assumed the position of Compliance Officer in 1976. He also served as corporate secretary and secretary of CCBT's Board of Directors, as well as Clerk of the bank's holding company.
John joined Glia Group, Inc., and became a part of the BankersOnline.com team in June, 2004.
Mr. Burnett was a member of the Massachusetts Bankers Association Legal and Regulatory Compliance Committee, and of the American Bankers Association Compliance Executive Committee and NCS/NGCS Advisory Board. He served on ABA's Truth in Savings Task Force, and has served on several ABA and Massachusetts Bankers seminar panels.
Randy Carey
Randy Carey is an independent regulatory compliance and bank management consultant. He has nearly 30 years of banking experience which included positions ranging from Check Sorter Operator, Proof Supervisor, Senior Training Officer, Staffing Analysis Officer, VP and Project Manager, National Retail Loan Payment Processing Manager, VP - Compliance and Community Reinvestment Act Activities, and VP and Director of Internal Audit.
Randy utilizes his broad base of banking operations knowledge to help banks meet the challenges of regulatory compliance by suggesting practical solutions that are both effective and efficient.
He is a graduate of the ABA National Compliance School, the ABA National Graduate Compliance School, and the ABA National Truth-in-Lending School. He has served as an instructor for both the American Institute of Banking and the Oregon Bankers Compliance Schools and passed the Certified Bank Compliance Officer examination. He is also a former member of the Community Reinvestment Leadership Council of the Federal Reserve Bank of San Francisco.
Patricia Cashman, CRCM
Patricia is a partner in Cashman Compliance Solutions, LLC. She is responsible for consumer compliance reviews, Bank Secrecy Act (BSA) and Anti-Money Laundering reviews, and compliance and BSA training.
Patricia began her banking career in 1969. She has been the senior operations officer for three Dallas-Ft. Worth area community banks, an assistant examiner for the Texas Department of Banking and managed the compliance/internal audit division of TIB - The Independent BankersBank, one of the largest bankers' banks in the country.
Additionally, Patricia has spoken as a webcast/teleconference presenter for the American Bankers Association (ABA), BankersOnline (BOL) and the Center for Financial Training (CFT), taught a variety of compliance subjects for the Texas Bankers Association (TBA) and ABA at their respective Compliance Schools. She also serves as a BOL GURU and been a speaker/trainer for numerous banks and compliance organizations.
David A. Dickinson
David Dickinson ia a graduate from the University of Nebraska-Lincoln with a degree in Financial Management. He is a highly trained expert in Compliance regulations as well as being a motivational speaker and educator throughout the Midwest.
David began his career at the FDIC as an examiner and later became a Loan Officer for a 110-million dollar bank. In 1993 he established the firm of Banker's Compliance Consulting and continues to serve as president. David has designed Lending and Deposit Operations Compliance manuals, written numerous compliance articles for prestigious banking publications and frequently speaks for banking and civic organizations. He also conducts innovative Lending and Operational Compliance Seminars. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience.
Peter G. Djinis
Peter Djinis is the founder of the firm, Law Offices of Peter Djinis, which specializes in civil and regulatory matters involving federal anti-money laundering and Bank Secrecy Act laws. The firm provides advice on the development of compliance and risk management standards for financial institutions, primarily relating to anti-money laundering and terrorist financing matters and the requirements of the Treasury Department's Office of Foreign Assets Control. With the passage of the USA PATRIOT Act, the universe of financial institutions subject to these controls includes banks and other depository institutions, securities broker-dealers, mutual funds and other investment companies, casinos, money services businesses, life insurance firms and many other businesses that offer financial services to the public. The firm provides independent assessments of these institutions' programs as well as assistance with internal investigations. Previously, Mr. Djinis served as Executive Assistant Director for Regulatory Policy for the U.S. Department of the Treasury's Financial Crimes Enforcement Network (FinCEN), for which he was responsible for establishing regulatory policy and overseeing all aspects of Bank Secrecy Act (BSA) compliance by U.S. bank and non-bank financial institutions.
Over the past 16 years, Mr. Djinis has played a central role in the development of anti-money laundering legal requirements and controls, both within the U.S. and abroad. He often speaks on money laundering and Bank Secrecy Act compliance matters and has frequently appeared in the national media and testified before Congress on these issues. Before joining Treasury, he was a senior federal prosecutor with the Criminal Division of the U.S. Justice Department, where he successfully prosecuted several large drug trafficking and money laundering organizations.
Sandy Dumont
Sandy Dumont, The Image Architect®, is an international leader in the field of color and image and a pioneer in the field of image psychology and impression strategies. She has 30 years experience working with Fortune 500 companies (I.T.T., Honeywell, Rolex, Sheraton Hotels, Lancôme, Yves St. Laurent Cosmetics, Farmers Insurance, American Express Financial Services, Mitre Corporation, TWA, CBN TV), and has lectured and coached throughout Europe and the U.S. She is a graduate of John Robert Powers Fashion & Finishing School, Washington, DC, a former faculty member of The Barbizon (fashion) School, Washington, DC, and a former faculty member of Management Center Europe, Brussels, Belgium.
Sandy is featured regularly on radio, TV and in print. She is the author of four e-books on the subject of Image and has produced a series of "Impression Strategies" DVDs. Her skill sets apply to the areas of corporate and political image, branding, risk communications, executive management media interactions, and situations of litigation. Ms. Dumont provides the necessary actions and training required in an environment where perceptions drive motivations, performance and marketplace position. She has a particular interest in the branding and image needs of financial industry personnel.
Dan M. Fisher
Dan Fisher is president and CEO of The Copper River Group. A consulting firm headquartered in Fargo North Dakota that focuses on technology and payment systems research and consulting for community financial institutions. For nearly thirty years, Dan Fisher has worked in the financial industry using technology to improve the bottom line. He has served as: a director of the Federal Reserve Board of Minneapolis, the chairman of the American Bankers Association Payment Systems Committee, a member of the Independent Community Bankers of America Payments Committee.
Dan has written numerous articles on banking technology and the payments system. These articles have appeared in ABA Banking Journal, Bank Technology News, Independent Banker Magazine and the Northwest Financial Review, just to name a few. He has also authored or co-authored six books and recently published a book titled, Capturing Your Customer! The New Technology of Remote Deposit.
Ken Golliher, Esq.
Ken Golliher is a principal with Pegasus Educational Services, LLC., a training firm organized in 1996 with headquarters in Louisville, Kentucky. Pegasus specializes in technical and regulatory instruction for financial institution personnel. He is an experienced banker with a unique ability to reduce complex legal concepts to plain English. He has explained the "why" and "how" of regulations to thousands of financial institution personnel and examiners. Ken's banking career began in 1972 and includes serving as a teller, commercial operations manager and as trust department legal counsel in a state and a national bank. For ten years he headed the education division of a regional consulting firm for financial institutions. He has served on the faculty of the LSU Graduate School of Banking, the OTS' Level I Compliance School and the FDIC's Advanced Consumer Protection school for examiners. Ken has also been an instructor at compliance schools sponsored by the Illinois, Georgia, Indiana and Nebraska bankers associations.
Dorothy Nan Gray
Dorothy Gray is CEO of Data Control Specialists. She develops and writes business continuity and disaster recovery and business resumption plans for financial institutions and small businesses and has developed a testing exercise module to conduct recovery training and testing exercises. In addition, Dorothy performs Information Technology Audits and ACH Audits and has written many articles pertaining to business continuity, disaster recovery and IT auditing.
Prior to forming hew own company, Dorothy developed the disaster recovery planning and IT Audit programs for the Oklahoma Bankers Association as Vice President-Consulting Services and spent 16 years working for the Department of Defense.
CONTACT: Dorothy may be reached by email at dgray591@cox.net, or via telephone at (405) 528-2298.
Lucy Griffin, Esq., CRCM
Lucy is Editor of Compliance Action and President of Compliance Resources, Inc., a company offering compliance support and services to banks. She is also a Senior Associate of Paragon Compliance Group, a company dedicated to providing compliance training. She has more than twenty-five years of experience working with regulatory agencies and financial institutions. Her extensive work experience with regulatory agencies includes the Federal Home Loan Bank Board, the Board of Governors of the Federal Reserve System, and the Federal Trade Commission. As the manager of the Compliance Division of the American Bankers Association, she worked directly with several of the association's banker committees and with regulatory agencies to identify compliance priorities, and to produce resources and programs.
L. Michael Guard, Esq., CISSP
Lynndon Michael Guard has a unique combination of strengths in law and technology as a licensed patent attorney, seasoned banking and commercial lawyer, Certified Information Systems Security Professional, and a telecommunications expert.
Since 1982, Michael has had a varied law practice that has included commercial law, commercial litigation, corporate law, intellectual property law, and complex commercial transaction contracts. He has consulted with both individuals and corporations on patent, trademark and copyright applications, as well as patent and trademark disputes.
Michael earned an MS in Telecommunications Management from Oklahoma State University in December, with a 4.0 GPA and has completed most of the coursework toward a Ph.D. in the same field. He also serves as General Counsel and Chief Technology Officer of Glia Group, Inc.
A founding co-partner in a ten-year-old company called BankGuard Resources, Michael has also been involved in the development of educational resources for the banking industry, including training videos and seminars, has provided consulting on networking and network security issues, and has taught and written on various subjects of interest to bankers. He devotes substantial time these days to real estate investments.
CONTACT: You can contact Michael via email at mguard@ionet.net or by telephone at (405) 503-4737.
Mary Beth Guard, Esq.
Mary Beth Guard is Executive Editor of BankersOnline.com and CEO of Glia Group, Inc.. In a career spanning more than two and a half decades, she has gained a national reputation as a banking attorney, speaker, writer and Internet expert.
Articles written by Mary Beth have appeared on BankersOnline, as well as in the Bankers' Hotline, Consumer Finance Quarterly, ABA Bank Compliance magazine, ABA Banking Journal and a number of state association publications on topics ranging from banking law/compliance to technology. She has presented programs for many national banking organizations, the FFIEC, and more than a dozen state associations. She has taught at the ABA National Bank Compliance School and served for several years on the faculty of the Graduate School of Banking at Colorado.
Since 1992, as a partner in BankGuard Resources, Mary Beth has been responsible for the development of a line of training videos, such as "Banker's Guide to Powers of Attorney" and "Banker's Guide to the Internet" and popular sets of compliance matrices for operations and lending that are currently marketed by fourteen state bankers associations. She also developed an innovative way to teach deposit insurance coverage principles called the FDIC Faces Game. Currently, Mary Beth is featured in a training video from Bankers' Video Library titled "Confidentiality Counts".
Prior to her work with Glia Group, Inc. and BankersOnline.com, Mary Beth served as EVP/Specialized Services for Thomson Financial Publishing, EVP/General Counsel/COO for the Oklahoma Bankers Association, and general counsel for the Oklahoma State Banking Department. Mary Beth continues to maintain a heavy speaking schedule. In addition to her speeches, she has also entertained audiences nationwide with magic performances and is an active member of the Society of American Magicians.
Mary Beth serveson the Advisory Board for Banker's Hotline and as a founding organizer of MetaFund.
CONTACT: You can contact Mary Beth via email at mbguard@bankersonline.com or by telephone at (405) 272-1646.
Jack Holzknecht, CRCM
Jack Holzknecht is a principal with Pegasus Educational Services, LLC., a training firm organized in 1996 with headquarters in Louisville, Kentucky. Pegasus specializes in technical and regulatory instruction for financial institution personnel. He is an experienced consultant who has provided training to thousands of bankers and examiners for over twenty years. He has the ability to identify the key compliance issues from each regulation. Jack's career began in 1976 as a federal bank examiner. As a senior commissioned examiner he was in charge of hundreds of examinations. He headed the form and software division of a regional consulting company for nine years and spent seven years in charge of the company's education division. Jack has been an instructor at compliance schools presented by the Texas, Iowa, Pennsylvania, and New York bankers associations. He also developed six unique compliance schools for the FDIC, which he delivered to virtually every compliance examiner in the corporation. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association.
Barbara E. Hurst
Barbara Hurst is Executive Editor of the BANKERS' HOTLINE, a highly regarded newsletter written for financial institutions, she is President of Hurst Associates, Inc., a Pennsylvania based corporation that specializes in security and compliance training programs, and Editor/Moderator for BankersOnline.com.
Ms. Hurst spent over fifteen years in the banking industry, as officer in charge of investigations and claims at a large Philadelphia, PA bank (...since purchased by PNC Corp.) She served as chairperson of the Security Committee of the Pennsylvania Bankers Association, and is past president of the Bank Methods Association. During her banking career, she won the coveted National Public Speaking Award in 1977 from the American Institute of Banking.
Since starting her own corporation fourteen years ago, Ms. Hurst has presented workshops, speeches, programs and training sessions for over 400,000 bankers in 42 states in the U.S., in San Juan, in London, and in Moscow.
Barbara's workshops for security, regulations, and compliance are regularly on the agendas of financial associations and institutions, at conferences, and for security officer's groups and training schools. She also does programs for regulators, law enforcement, corporations and the U.S. government on the subject of bank fraud and security.
Barbara has been listed in five "Who's Who" publications, including Who's Who of U.S. Executives, Who's Who in Business and Finance, and Who's Who in U.S. Commercial and Savings Banking. She is a member of ASIS, and is affiliated with National Fraud Center, Inc.
She is the author of an award winning EXAMINATION HANDBOOK FOR SECURITY OFFICERS, and was a core faculty member on a TV training channel for the American Bankers Association. Barbara has also just completed a series of front line training videos for the Bankers Video Library covering the subjects of Robbery, Safe Deposit Service, Fraudulent Checks, New Accounts, BSA and Reg. CC.
CONTACT: You can contact Barbara by telephone (610) 874 - 5522 or via email at
hurst@bankersonline.com
Carolyn Jones
Ms. Jones was born in Springfield, Illinois and started in the banking business in 1982. The first bank she worked for had eleven divisions and twenty-eight branches with records dating back 108 years. The old minute books and ledgers, in beautiful calligraphy, were an exceptional and exciting site to discover. In the first clean-up of one of the divisions, it took two and a half semi trucks to haul away the unneeded records.
In 1985, Ms. Jones left the bank and moved to Chicago and started the consulting firm of Financial Records Consultants (FRC) December 21st. By the end of 1986, she had implemented her retention program in five of the largest financial institutions in Chicago. To date over 120 banks and branches are on her custom program.
In 1988 she wrote her first “Guide to Bank Record Retention” for the Illinois Bankers Association. Since that time she has added to her client list: Indiana, Florida, Georgia, Kansas, Missouri and Washington Bankers Association(s). Besides the numerous guides for Illinois, all of the mentioned associations have published two or more guides. Other states have been marketed independently and, to date, approximately 50 guides have been written.
The Guides are considered "best sellers" and have sold to between 75 and 100% of each client association’s members.
In 2002-2003, new record retention guides for the Maryland, Florida, Washington, Indiana and Illinois Bankers Association and the Washington Bankers Associations new updates just being completed. In addition to banks and savings associations, recordkeeping or record retention guides are available for Mortgage Companies, Securities Firms nationwide that are federally chartered. State specific bank recordkeeping guides with policy and procedures examples and forms for bank record retention are available for many states.
Bob McComas
Bob McComas is CEO of Bank Brokers of Texas LLC. His firm specializes in bank acquisitions and mergers, human resources compliance and training. He has over 30 years of diversified human resource regulatory compliance experience. He has served as the senior human resource officer for several national organizations including Pizza Inn, Brinks Home Security, Electrolux, Home Interiors and Gifts, and Recognition Equipment. He has developed and managed human resource programs covering over 5,000 employees. For the past two years, he devoted his time and efforts to the banking and credit unions industry. He established the Human Resource Credit Alliance (HRCUA) that represents human resource professionals in the credit union throughout the Dallas/Ft. Worth area.
Bob's broad base of knowledge and experience in Human Resources includes human capital strategic planning, compensation plans including executive and sales compensation, benefit programs design, retirement plan design and administration of qualified and non-qualified plans, employee relations, training and career management. He has successfully resolved over 250 EEOC discrimination claims and Wage and Hour investigations, in addition to resolving OFCCP audits.
He serves an expert witness, is a frequent contributor to Banker's Digest and BankersOnline, and serves as the human resource instructor for the Bank Operations Institute. He has authored several white papers on various human resources issues. He has been an invited speaker for the University of North Texas, and Social Security Administration and co-chaired several roundtable discussions with the Dallas Director of the Equal Opportunity Employment Commission.
Bob holds a B.S. Organizational Behavior from the University of Texas system.
David P. McGuinn
David McGuinn, President of Safe Deposit Specialists, is a former banker with over 35 years of safe deposit experience. He is often referred to nationwide as the safe deposit GURU.
In all 50 states he has trained over 200,000 safe deposit personnel since 1969, and has served as President of the American Institute of Banking and 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, New York Magazine, Associated Press, Money Magazine, National Public Radio, CUNA, FDIC, Court TV, CNN, CBS, ABC and NBC Nightly News on current safe deposit issues.
McGuinn has created numerous safe deposit operations, security and compliance brochures, forms, manuals, videos and Internet/audio training programs. His safe deposit products and training seminars are now recognized as the recommended standard for the financial industry. All of his safe deposit resource items can be reviewed at www.sdspec.com.
CONTACT: You can contact David at Safe Deposit Specialists, P. O. Box 40026, Houston, Texas 77240 - 0026; via telephone (713) 937-9929 or send him an email sdspec@aol.com.
Barbara A. McGuire, CRCM
Barbara McGuire is Vice President and Bank Secrecy Officer for Central National Bank officially headquartered in Junction City, Kansas. She is located in Topeka, Kansas, at the bank's executive offices. Ms. McGuire is responsible for all aspects of the bank's bank secrecy and anti-money laundering program. She has 35 years of banking experience including assignments in retail loans and operations as well as residential mortgage areas. However, the last 20 years she has dedicated her efforts to general bank compliance and BSA compliance. In addition, she has spoken on a variety of compliance-related issues within the banking and public communities and was a guest speaker at the 2003 ABA Regulatory Compliance conference in Washington, D.C. Ms. McGuire is a past member of the ABA's compliance Executive Committee, the ABA Anti-Money Laundering Issues Group, Account Opening Best Practices Group, and Advisory Committees for ABA's Professional Development Tract brochure and Compliance Watch 2003. She is a graduate of both the ABA National Compliance School and the ABA Graduate School of Compliance Management. She received her bachelor's degree in business administration from National University in San Diego, California, and her master's degree in management from Bellevue University in Omaha, Nebraska.
CONTACT: Barb can be reached in Topeka, Kansas via e-mail at bmcguire@centralnational.com or by phone at (785) 231-1402 or (785) 234-2265 x 1402.
Keith E. Monson, CRCM
Keith Monson is the Senior Vice President & Audit and Compliance Manager, of Premier Bank, Jefferson City, MO
Mr. Monson oversees the audit and consumer compliance function for Premier Bank. He has over 16 years of banking experience and frequently speaks on a variety of compliance related issues. Prior to joining Premier Bank, Mr. Monson was Senior Vice President and Director of Corporate Compliance for UMB Financial Corporation and has also provided compliance management assistance to correspondent banks through UMB Consulting Services, Inc. Mr. Monson is a past Chairman of the Missouri Bankers Association's Compliance Committee. He is currently serving as the Chairman of the CRCM Advisory Board and is a participating member of the Certification Council for the Institute of Certified Bankers. In addition, Mr. Monson has written for and serves as the Chairman of the Editorial Advisory Board - Bank Compliance Magazine and is a participating member of the Compliance Executive Committee and the Regulatory Compliance Conference Advisory Committee for the American Bankers Association. Mr. Monson graduated from Truman State University and holds a Bachelors of Science degree in Finance.
Kate Ogle
Kate Ogle is Vice President of American Bank & Trust of Edmond, Oklahoma.
Kate has more than 20 years experience as a banker. She now works in the Information Technology division of the bank. During her career in banking, in addition to her work in bank technology, she has worked in capacities ranging from loan secretary back in 1979, to loan officer/compliance officer and full time compliance officer. She took a sabbatical from banking during 1998 to contribute to what was then the most popular banking information site on the Internet.
In 1990, she received a "CBCO", Certified Bank Compliance Officer Status from the Bank Administration Institute and in 1992 became a full time compliance officer. While serving as compliance officer, she
specialized in CRA administration and was instrumental in obtaining an Outstanding CRA Rating at the bank for three exams in a row.
Kate has done extensive training for bankers on compliance, Internet, and bank technology. She served two terms on the Board of Regents of the Oklahoma Bankers Compliance School and continues to serve as an
instructor at the Oklahoma Bankers Association Consumer Lending School, Compliance School and Operations School. She now teaches Banking Technology instead of Compliance Issues.
Today Kate specializes in bank technology and is curator of the bank's Web page. You can find her in the back office of the bank trying out the latest computer programs, tackling javascript challenges, taking cool pictures with her digital camera, and running through the halls with her laptop strapped
to her side. Kate loves to get emails about new technology and especially cool Web ideas.
Susan E. Orr Consulting, Ltd.
Susan Orr is a leading financial services expert with vast regulatory, risk management, and security best practice knowledge and expertise. During her 14 year tenure as a bank examiner, Susan held numerous lead positions including Regional IT Examination Specialist, Special Assistant to the Regional Director, Special Assistant to the Director of DSC, and Special Assistant to the Vice Chairman of the FDIC. Susan was also a lead instructor for the FDIC's technology school and was instrumental in key industry initiatives such as the FDIC E-Risk Strategic Initiatives Risk Monitoring Committee, the Chicago Region Interagency Technology Group, and the Federal Financial Institutions Examination Council (FFIEC) IT Handbook rewrites. Prior to launching her consulting practice, Susan was Vice President of Regulatory Compliance for an Internet security company where she advised staff, customers, and partners on regulation, security, and risk management.
As an auditor and consultant, Susan performs IT audit and regulatory reviews for financial institutions as well as assist institutions in preparing for and responding to a regulatory examination. Her expertise as an auditor and former examiner provides her the knowledge and expertise to 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. She has over 18 years experience in the IT regulatory field and speaks regularly at risk management and security seminars and conferences and has authored numerous white papers on emerging information technology and security risk management topics. Susan retains close relationships within the FFIEC agencies as well as industry trade groups to stay abreast on new technologies, best practices, and regulatory issues. Susan is a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM) and Certified Risk Professional (CRP).
Sam D. Ott, Esq.
Sam Ott is Executive Vice President of Glia Group, Inc. Since July, 2000, Sam has been EVP of Glia Group, Inc and a member of the BOL team. He has written numerous articles for the site and has conducted numerous training seminars for financial institutions and state associations. Before his association with BancFirst, Sam served as Assistant General Counsel for The First National Bank and Trust Company of Oklahoma City and General Counsel for both First Interstate Bank of Oklahoma and Boatmen's Bank of Oklahoma.
As an in-house banking attorney, Sam responded daily to questions raised by bank personnel on topics ranging from financial privacy, bank fraud, customer accounts, trust matters and loan preparation issues, to garnishments, levies and the UCC. He oversaw all legal matters for the organizations on banking rules and regulations, commercial law, securities law, labor law, real estate bankruptcy and insurance activities. In addition he analyzed, counseled and advised management on the legal implications of major operational and strategic decisions. Sam originated, drafted and disseminated bank policies and procedures governing the activities of the entities. In addition to these functions, he developed and taught numerous seminars regarding the Uniform Commercial Code with special emphasis on Articles 3, 4 and 9.
He is a member of the American, Georgia and Oklahoma Bar Associations and has served as President of both the Banking and Financial Law Section and the House Counsel Section of the OBA. Sam is a co-author of Commentary on the Uniform Commercial Code, as enacted in Oklahoma, regarding Articles 3,4,5, and 6. In addition, he is member of the Oklahoma Legislative Review Committees for Articles 2, 2A, 9 and UCITA.
During his 18 year banking career, he has reviewed and advised management on over 20 acquisitions, 10 dispositions, 7 formations, 15 mergers, 3 consolidations and 3 liquidations of subsidiaries and divisions.
Prior to his banking experience, Sam served as General Counsel of the Georgia Farm Bureau Federation, Inc. and the Georgia Farm Bureau Insurance Company where he provided daily legal counsel concerning, business, planning, contracts, legislation and insurance regulations to the President and Board of Directors. He also prepared and conducted Estate Planning and Oil and Gas Leasing seminars for the organizations membership. Additional professional experience includes serving as a Small Business and Minority Business Department Executive for the Small Business Development Center of the University of Georgia. Prior to moving to Georgia, he was the International Business Development Coordinator for the State of Oklahoma, Department of Industrial Development.
CONTACT: You can contact Sam by email at samott@bankersonline.com or by telephone at (405) 329-3895.
Gerard P. Panaro, Esq.
Gerard Panaro is Of Counsel with the law firm Howe & Hutton, Ltd. He was the author of Employment Law Manual (2d ed), Warren Gorham & Lamont, 1989 (2d ed, 1993). He is the author of the book Pregnancy & Childcare Issues in the Workplace (Executive Enterprises Publications Co., Inc., 1987), and "Fair Employment Practices Guidelines" (Aspen Publishers); and he served as Editor, Leave and Disability Compliance Alert (1999-2000).
Mr. Panaro received a B.A., magna cum laude in 1971 from University of Scranton, a Ph.D. from Boston College in 1975, and a J.D. from Georgetown University in 1977. He is a member of : The District of Columbia Bar and Maryland State Bar Association. His practice areas are: Employment Law; Nonprofit Organizations.
CONTACT: You can contact Gerard Panaro at Howe & Hutton, Ltd, (Resident in D.C. office). Telephone: (202) 861-1314
email: gpp@howehutton.com.
Don A. Pape
Donald Pape is of counsel to the Oklahoma City law firm, Phillips
McFall McCaffrey McVay & Murrah, P.C. and primarily practices banking
law and regulation, corporate and securities law with emphasis in
mergers and acquisitions. He was born on September 1, 1945 in
Birmingham, Alabama. He received a Bachelor of Arts degree in
Journalism in 1967 and a Juris Doctorate degree in 1973 from the University of
Oklahoma. From 1967 until 1971, he served in the United States Air
Force, and was discharged with the rank of Captain.
Mr. Pape is a member of the Cleveland County, Oklahoma County, the
Oklahoma and American Bar Associations. He has also been admitted to
practice before the United States Supreme Court.
In 1988, he was a founding shareholder and counsel to Republic Bank of
Norman, in the acquisition of the assets of the failed Republic
National Bank, an $18 million commercial bank from the FDIC. Since that time,
Republic Bank & Trust, Norman, Oklahoma has grown to $225 million in
total assets. Pape has been Chairman of the Board of Directors since
1990.
In 1995, he was a founding shareholder and counsel of Capital West
Securities, Inc., an Oklahoma City broker dealer, which is a current
member of the NASD.
He served as a member of the Article 8 Legislative Review Subcommittee
of the Oklahoma Bar Association's Financial Institutions and Commercial
Law section of the Uniform Commercial Code Committee; He is also a
member of the Oklahoma Banking Commissioner's Banking Code Review
Committee. While on the Code Review Committee, he authored several of
the revised parts of the Oklahoma Banking Code of 1998.
He currently serves as Vice-Chair for Policy on the Banker's Advisory
Board of the US Conference of State Bank Supervisors.
Jeff Patterson
Jeff Patterson works in the technology department of a large Oklahoma based financial institution. There he oversees support and vendor management for many of the institution’s key applications. Jeff has spent over 25 years in software development and information systems management.
Jeff co-founded his first software development company in 1984 while pursuing his degree from Western Washington University. He has designed database software applications for match making, alien resident tracking, inventory management, sales order processing, customer relationship and content management.
His career has taken him from the laid back atmosphere of Redmond, WA to the strict corridors of Washington, DC. He has taught application programming, database design and development and database administration classes. His expertise includes enterprise application development, network infrastructure, information systems risk analysis, project management, and database design and administration.
Dan Persfull
Dan is Vice President and Compliance Officer for The Peoples State Bank with its main office located in Ellettsville, IN and supporting nine branches in surrounding communities. The bank is a privately owned bank that began its existence in 1904.
Dan entered the financial services arena in 1974 when he went to work for Commercial Credit Corporation. He worked eighteen years with Bank One and three years with the Indiana University Employees Federal Credit Union. In addition to serving as a Compliance Officer, he has served as a Collection Officer, Consumer Loan Officer, Commercial Loan Officer and Loan Operations Officer. His primary duties falls within lending compliance, training and consumer loan reviews.
He attended Three Rivers Junior College in Poplar Bluff, MO and Arkansas State University in Jonesboro, AR. He is also a graduate of the ABA Bank Card School, ABA Commercial Lending School and ABA National Truth-in-Lending Compliance School.
Michele Petry, Ph.D.
Michele Petry, is President of the Glia Group, an Internet consulting and web strategy firm, and an Editor of BankersOnline.com. Michele has written numerous articles, and given lectures, on a variety of topics relating to banking and technology, including online banking, ecommerce, using the Internet, and deploying technology effectively.
Prior to forming Glia, Michele was the Director of Specialized Services at Thomson Financial Publishing where she served as publisher of Thomson's Blue Book, The Banker's Guide to Product and Service Providers, and was responsible for the redesign of the online Thomson Financial Marketplace, launched in June of 1999. As part of her responsibilities, Michele worked closely with vendors and advertisers to understand their unique needs and help them effectively reach their target audience.
Before joining Thomson, Michele served for three years as technology consultant for the Kentucky Bankers Association where she was responsible for the development of the KBA's well-respected online service, BankersNet of Kentucky, and spearheaded the implementation of an integrated association management software to streamline association operations and track all financial institutions throughout the state.
For more than a decade, Michele has been involved in various aspects of technology planning and implementation. Her early involvement in the Internet, which included building one of the first family home pages on the Web in 1993, led to Michele and her family being featured as part of an Internet documentary that aired on PBS called "Using the Internet". While at KBA, she developed a training video and manual to aid bankers learning to use the Internet. Her educational background includes a Ph.D. in Psychology from Vanderbilt University, with published articles in Perception & Psychophysics, Vision Research and Brain Research.
Michele brings to Glia broad-based experience in project management, research and analysis, as well as her knowledge and expertise of the financial services industry.
CONTACT: You can contact Michele by telephone at (502) 458-7632, or by email at mpetry@bankersonline.com.
Ryan Rasske
As President of Associated Risk Group, Ryan is responsible for corporate administration and the management of sales, marketing and business development. ARG is an affiliate of Associated Banc-Corp ($22 billion bank holding company) that provides compliance consulting to small and mid size financial institutions. Prior to joining ARG, Ryan was employed with the U.S. Secret Service and lived in the Washington DC metropolitan area. His banking career started at E*TRADE Bank where he assumed the role of Bank Secrecy Act and Anti-Money Laundering Officer. In 2003, Ryan was employed at Associated Banc-Corp in Green Bay Wisconsin as Vice President, BSA/AML Director. In that capacity, he was responsible for the bank's Anti-Money Laundering, Bank Secrecy Act and OFAC compliance programs. He conducted several training programs throughout the year specializing in CIP, Identity Theft, Risk Assessment, Detecting and Reporting Suspicious Activity.
Ryan is currently a board member of the ABA National Compliance School and actively participates in the ABA Money Laundering Issues Group. He was a speaker at the 2004 ABA Regulatory Compliance Conference in Chicago, frequently conducts web seminars for Money Laundering Alert and also a member of ACAMS.
Jimmy Sawyers
Jimmy Sawyers leads the Financial Services Consulting Group for Securas Consulting Group, LLC where he helps financial institutions tackle issues ranging from technology planning to IT risk management. Jimmy’s twenty-three years of experience in the financial services technology field includes nine years directing the operations and technology division of a progressive community bank and 14 years as a consultant to the financial services industry.
Jimmy is on the faculty of the Southeastern School of Banking and the Barret School of Banking, where he teaches the technology courses at both schools. He is a graduate of Christian Brothers University in Memphis, Tennessee with a B.S. in Business and a concentration in Information Technology Management and Telecommunications. Active in the industry as a speaker, author and teacher, Jimmy is a frequent contributor to BankersOnline, a leading Web portal for bankers, and he is the author of the book, IT Auditing for Financial Institutions. Nationally recognized for his entertaining presentations that engage, inform, and educate, Jimmy delivers valuable takeaways, practical advice, and a fresh perspective to complex issues.
CONTACT: You may contact Jimmy at by telephone at (901) 888-STAR or by email at jsawyers@securas.com.
Honey Shelton
Honey Shelton brings the best of both worlds to her training sessions. As the former Executive Vice President of Texas' second oldest independent bank she was in charge of branch operations, marketing and training, therefore enabling her to see up close what is happening in the trenches. Plus, she has the depth of knowledge that comes with twenty plus years experience as one the nation's leading seminar presenters. As the founder of Houston based InterAction Training Systems, Honey has provided training to over a quarter-million professionals.
Honey began her career in the banking industry. Prior to founding ITS, she served as Vice President of Marketing and an Executive Committee member for a major holding company bank in The Woodlands, Texas. During her many years in banking, Honey began developing a passion for training others to succeed.
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 credit union leagues around the country.
Honey continues in her own personal pursuit of excellence. She has obtained certification in Reality Therapy from the William Glasser Institute and the Training and Development Certification Program at Texas A & M.
Gayla R. Sherry, SPHR
Gayla Sherry is president of Gayla R. Sherry Associates, Inc. - a firm specializing in human resources consulting, organizational development, training and facilitation. All projects are customized according to a mutual agreement of the client's needs.
Ms. Sherry's career has spanned 29 years in human resource management, marketing, customer service and bank operations. Ms. Sherry's business experience includes staff positions at General Electric Credit Corporation and senior management positions with the former Liberty National Bank in Oklahoma City and the Federal Reserve Bank of Kansas City, Oklahoma City Branch. Her consulting and training background includes organizational development projects, training seminars and presentations for nonprofit, private and public organizations.
Ms. Sherry is a member of the senior faculty of The University of Phoenix, Oklahoma City and Tulsa Campuses. She is also affiliated with The Center for Nonprofit Management in Oklahoma City as a Training and Consulting Specialist. She is accredited as a Senior Human Resource Professional by the National Society of Human Resource Management and is qualified to administer the Myers-Briggs Type Indicator and the Strong Interest Inventory.
Ms. Sherry has been actively involved as a regional and national leader with the American Society for Training and Development and the American Institute of Banking. She is a frequent instructor, seminar leader and course developer for the Oklahoma Bankers Association schools, and is a past member of the adjunct faculty at Oklahoma City University, Rose State College, Oklahoma City Community College and Francis Tuttle Vocational Technical School. Ms. Sherry is currently a member of the Society for Human Resource Management and The Association of Psychological Type.
Ms. Sherry is an honors graduate of the Graduate School of Banking at the University of Colorado at Boulder. She holds an MBA in Marketing and a bachelor's degree in Management from the University of Central Oklahoma.
Ms. Sherry is also a graduate of the Oklahoma Bankers Association Installment Lending School and the Intermediate School of Banking.
Barry Thompson, CRCM
Barry is a financial institution professional who has held the titles of Executive Vice President, Senior Vice President, Treasurer, Compliance Officer and Security Officer over the course of a twenty-two year banking career. He is a Security Practitioner, Certified Regulatory Compliance Manager, Public Speaker and Managing Partner of the Thompson Consulting Group.
The Thompson Consulting Group is the security provider for America's Community Bankers, "Retail Banking, Operations, Technology & Security Management Conference". They provide board retreats, executive retreats, special research projects, community programs, facility inspections and reviews of security or compliance programs.
Barry was the National Chairman of America's Community Bankers, "Retail Banking Operations Security & Technology Committee" for 1999-2000. He served as its Vice Chairman in 1998-1999 and was cochairman of the subcommittee on Security from 1994 -2000. He was the founder of the "Oswego County Security Committee- 1979"' establishing Uniform Police Response for the banks in the Oswego region of the country. In the early 1980s, he served on "Committee for Security" for the New York State Association that later became the "Community Bankers Association of New York State". A veteran of over 900 security cases, he has investigated and dealt with subsequent prosecutions on Federal, State and Local Levels. He is a nationally recognized speaker, having made presentations on Communications, Compliance and Security.
Barry is a graduate of the State University of New York at Oswego. His Baccalaureate Degree is in Business Administration/Accounting and is a member of the National Honor Society of Phi Kappa Phi. He has taught courses for Oswego State University via its American Management Association program.
Dana Turner
Dana Turner is a security practitioner who lives and works in Pipe Creek, TX, located west of San Antonio. Dana has served as a law enforcement officer in several capacities, including the investigation of business and banking crimes; as a community college instructor and administrator in both the law enforcement and business management fields; and as a program development specialist and trainer for private businesses, governmental agencies and professional associations. Dana is celebrating his 36th year in crime.
As a speaker and conference facilitator, Dana has delivered thousands of platform, telephone and Internet presentations. He has designed and participated in continuing education programs offered by state and national banking and credit union associations, state and federal examining and law enforcement agencies -- and state and national security, audit and human resources organizations.
As a consultant, Dana has participated in or led hundreds of projects and assisted in the development and delivery of components of seminars, schools and conferences. As a writer, Dana has written many manuals and books -- and numerous newspaper, trade publication and magazine articles published and distributed both nationally and internationally. Dana is the author of the Financial Institution Security Library.
J. Branch Walton
J. Branch Walton is a faculty member at Indiana University's Criminal Justice Department and a security consultant and trainer. Branch is a retired U. S. Secret Service Agent and former Director of Security for Cummins Engine Company, Columbus, Indiana.
Nationally known as aspeaker on topics related to workplace violence prevention and personal security topics, Branch is also the author of numerous articles, a text book and several book chapters, and he has served as an advisor on video productions. Branch is also a member of the advisory board to several crime prevention businesses, such as Crime Prevention Resources and Lockmasters Security Institute and is the developer of several executive protection programs for US Government agencies.
Branch has over thirty years combined experience as an instructor, program manager, and training director. He holds a M. A, in Administration of Criminal Justice and is currently working towards his doctoral degreee in Adult Education.
CONTACT: Branch may be reached by phone at (812) 342-0305 or via email at branchw@earthlink.net.
Rick Wemmers
Rick Wemmers is senior partner with BankMarketingpros.com which offers business development help to banks across America. Rick has more than 20 years of successful bank business development experience (large and small banks). His company provides ideas and action plans on how to build deposits, profits, market share and to invigorate the sales culture in your bank.
Rick has written extensively on bank marketing topics and has been a frequent speaker at banking conferencees and seminars.
CONTACT: Rick can be reached at rick@wemmers.com or (770) 565-8727.
Linda Westfall, CBA, CRCM
Linda Westfall is Senior Vice President of McCormack and Associates, inc., a company offering management solutions for the financial service industry.
Linda has 25 years of banking experience, and degrees in accounting and computer science. She worked in community banks for nine years and has been a consultant with MAI for 15 years. Her banking experience includes:
Internal Audits
Directors Examinations
Compliance Audits
In house compliance training sessions
IT Audits
FHLB Collateral Reviews
Linda received the Certified Bank Auditor designation in 1991 and the Certified Regulatory Compliance Manager designation in 1994.
Andy Zavoina, CRCM
Mr. Andy Zavoina, is an Executive Vice President with the Glia Group, best known for its involvement with BankersOnline.com.
Mr. Zavoina has been in finance and banking for 23 years. Over 20 years were with a holding company with two Central Texas community banks that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. After starting in loan workouts, Mr. Zavoina has been a consumer, commercial and real estate lender and managed those departments as well as being the banks first Webmaster. He was responsible for compliance- management, -auditing, and -training for both banks.
Mr. Zavoina is a past Chairman of the American Bankers Association's Compliance Executive Committee. He was the 2003 recipient of the American Bankers Association's Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He was chairman of the Editorial Advisory Board for the ABA's Compliance Magazine, Compliance Action magazine, was a member of the ABA's Compliance School Board and is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee.
He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers. He has written numerous articles and lectured on compliance, the use of the Internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations. Internet policies and other compliance related programs are made available on his personal Web site.
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