2023 VBA CFO Conference
This conference is designed for CFOs and those involved in financial management.
Please bookmark this page for easy access during the event!
THANK YOU TO OUR PORTAL SPONSOR, STIFEL
Working with banks in Virginia and across the United States, Stifel is committed to helping executives grow their businesses and better serve their customers. Anchored by an experienced team of financial strategists, traders and sales representatives, Stifel provides a suite of industry-focused services, analytics and products related to institutional investing, loan sales, asset liability management, derivatives strategy and funding. Contact McNeill Well to learn more.
Managing Director, Fixed Income Capital Markets
Hotel & Meeting Space Information
110 Shenandoah Ave NE
Roanoke, Virginia 24016
- Staying at the Hotel: Self-parking is $15/day and valet parking is $21/day
- Commuting to/from the Hotel: Daily self-parking for attendees not staying at Hotel Roanoke is $5-$10/day.
*Please note that prices are subject to change.
- Ethics Session: Buck Mountain Room
- Monday Reception: Garden Courtyard (in the case of inclement weather the reception will be moved to Roanoke Ballroom Foyer)
- CFO Conference Sessions: Roanoke Ballroom CD
- Exhibit Hall/Continental Breakfast/Tuesday Reception: Roanoke Ballroom AB
Need some help finding your way? Click the link below for a floorplan of the Hotel Roanoke.
MONDAY, AUGUST 21, 2023
2:30 p.m. Ethics Registration/Check-in
3:00 – 4:40 p.m. Ethical Transgressions 2023: Tales of Corruption
(Separate Registration Required – In-person and Virtual options available!)
Season two of Tales of Corruption investigates ethical decision-making models relating to cases involving insider trading, cryptocurrency investment schemes and more. ** This course satisfies the annual two-hour Virginia Board of Accountancy (BOA) Ethics requirement.
5:30 – 7:00pm Welcome Reception
Sponsored by Piper Sandler
Dinner on your own. Not sure where to go? Click here for area restaurants near The Hotel Roanoke.
TUESDAY, AUGUST 22, 2023
7:30 – 8:00 a.m. Registration | Continental Breakfast
Registration sponsored by KeyState
Breakfast sponsored by DDI Technology
8:00 – 8:15 a.m. Welcome Announcements & Sponsor Introductions
8:15 – 9:15 a.m. Economic Update | Chris Low, FHN Financial
After a year of aggressive Fed rate hikes, inflation is receding from a four-decade high. The economy is slowing, too, as bank lending dries up. Next year promises to be challenging from a growth perspective, in part because Congress is tilting back toward austerity after four years of extraordinary fiscal stimulus. Slower federal spending combined with restrictive Fed policy suggests a high risk of recession, though most likely not a severe one from a credit perspective.
9:15 – 9:30 a.m. Networking Break
9:30 – 10:30 a.m. Sight vs. Vision: Preparing Your Balance Sheet for the Future | Ryan Smith, Piper Sandler
Join Ryan Smith from Piper Sandler for a discussion of balance sheet strategies and tactics in the current environment. He will explain the difference between having sight and having vision for your institution and will include market updates to contextualize the ideas and help management teams prioritize the right things as they plan ahead. He will use case studies to highlight how companies with different risk profiles have leveraged strategic options on the asset and liability sides of the balance sheet based on their institution’s goals.
10:30 – 10:45 a.m. Networking Break
Sponsored by ByteSpeed
10:45 – 11:45 a.m. SECURE Act 2.0 Overview | Dee Spivey, AIF, CPFA, SageView Advisory Group
In this session, SageView’s Dee Spivey, will review the recently passed Secure 2.0 legislation which includes around 100 provisions impacting retirement plans and provide an overview of key provisions and timeline of implementation.
11:45 a.m. – 12:30 p.m. Lunch
Sponsored by Dudley Resources
12:30 – 1:15 p.m. Vendor Speed Dating
1:20 – 2:20 p.m. Preparing Your Bank For Whatever May Lie Ahead | Marty Mosby, Stifel
Over the last three years, the operating environment has created many challenges for U.S. community banks, and subsequently management is focused on a wide range of critical priorities:
- Outlining liquidity crisis contingency funding plans with higher run-off from uninsured deposits
- Defending against higher funding costs, deposit run-off, and compressing net interest margins
- Preparing to neutralize asset sensitivity positions in order to create some down interest rate protection
- Watching for the eventual increase in credit costs after experiencing absolutely no losses recently
- Highlighting exposure to Commercial Real Estate and managing concentrations
- Managing capital adequacy and enterprise-wide risk levels
This presentation will focus on management analytics to help U.S. Community Banks appropriately position themselves for this challenging and ever changing operating environment. It also will help them prepare for upcoming regulatory reviews that will have more of a punch this year given recent developments.
2:20 – 2:35 p.m. Networking Break
Sponsored by PNC Capital Markets LLC
2:35 – 3:35 p.m. CFO Hot Topics Overview & Update | Steven H. King, CPA & Layla Mooradian, Crowe LLP
The session is designed to cover hot topics in financial reporting that is impactful to financial institutions. Institutions will be able to understand key developments in the standard setting process and understand how the standard will impact their financial position and results of operations. The session will provide attendees with an understanding of the stage of standard setting that the underlying topic exists (for example, a proposed stage, or currently applicable). Finally, the session is designed to provide context for when an institution should reasonably be prepared to comply with the developments covered.
3:35 – 3:45 p.m. Networking Break
3:45 – 4:15 p.m. Industry Update | Bruce Whitehurst, Virginia Bankers Association
4:15 – 5:15 p.m. Regulator Panel
- FDIC | Deona Payne
- OCC | Terry Hubbard
- Bureau of Financial Institutions | Sarah Lambert
- Federal Reserve Bank of Richmond | Jeff Deibel
5:15 – 6:45 p.m. Cocktail Reception
Sponsored by Brown, Edwards & Company, L.L.P.
Dinner is on your own. Enjoy your evening!
WEDNESDAY, AUGUST 23, 2022
8:00 a.m. Continental Breakfast
Sponsored by FHLBank Atlanta
8:30 – 8:45 a.m. Announcements | Sponsor Thank You & Drawings
8:45 – 9:45 a.m. Is “Banking-as-a-Service” Worth It? | Tom Mason, S&P Global Market Intelligence
We’ll examine how community banks offering banking-as-a-service are outperforming peers on several metrics, including much-coveted deposit growth, as well as key considerations for banks that want to enter the market.
9:45 – 10:00 a.m. Networking Break
10:00 – 11:00 a.m. Closing Keynote: Stronger Under Pressure | Chris Barras, Second Story Partners
Sponsored by VCDC
The radical changes of 2020-2021 disrupted almost every industry. The pressure of these changes showed us what we are made of. In some cases, the pressure crushed us. But other groups were able to adapt to the pressure and thrive. In this talk we look at what are the qualities of people who can get stronger when they are placed under pressure. Where are we fragile? Where are our teams fragile? And how do we overcome that? This talk helps us identify our own fragility as individuals and as teams and gives us some steps to overcome that fragility. We will also get a few skills that will helps us thrive in whatever is coming next for us.
11:00 – 11:20 a.m. Stretch Break
11:20 a.m. – 12:20 p.m. CFO Roundtable Session (Bankers only)
12:30 p.m. Conference Adjourns
NEW IN 2023 – PRESENTATIONS ARE PASSWORD PROTECTED
Materials will be posted as they become available from the speaker (please note – some speakers choose not to share their materials until after their session).
All session materials are password protected to access. The password for all presentations is 2023VBACFOConf (case sensitive).
TUESDAY, AUGUST 22, 2023
- | Chris Low, FHN Financial
- | Ryan Smith, Piper Sandler
- | Dee Spivey, AIF, CPFA, SageView Advisory Group
- | Marty Mosby, Stifel
- | Steven H. King, CPA & Layla Mooradian | Crowe LLP
- | Bruce Whitehurst, Virginia Bankers Association
WEDNESDAY, AUGUST 23, 2022
- Is “Banking-as-a-Service” Worth It? | Tom Mason, S&P Global Market Intelligence Presentation will not be shared.
- Closing Keynote: Stronger Under Pressure | Chris Barras, Second Story Partners Presentation will not be shared.
Meet the Speakers
Chris Barras | Second Story Partnership
Chris is a leader who has decades of leadership experience in business, non profits and even the church world. He was worked with teams of various sizes and has helped bring the best out of those around him. A talented communicator- Chris pulls from psychology, business, history, and research to engage audiences and help challenge the way they think. Chris does this with a lot of humor and some very straight talk. When Chris isn’t teaching, writing or coaching, he loves to support his three sons with their music and basketball. He also enjoys spending time with his wife Abby of 25 years exploring the city of Richmond or traveling to the fun far away places. Chris loves football, soccer, reading and cooking.
Jeffrey B. Deibel | Federal Reserve Bank of Richmond
VP, Community & Regional Supervision
Jeff currently oversees the Safety & Soundness (S&S) supervisory function for the community and regional (C&R) portfolios. The C&R Unit supervises Fifth District State member banks, holding companies and savings and loan holding companies under $100 billion to promote a safe and sound banking system. C&R staff members are spread across the three offices of Richmond, Baltimore, and Charlotte.
Jeff began his career with the Federal Reserve Bank of Richmond in 1993 as an entry level examiner within the S&S division. Jeff continued in this role and became a Commissioned examiner leading both bank and bank holding company examinations/inspections. In 2000, Jeff shifted into policy and research positions which focused on off-site surveillance and District analytics. In 2004, Jeff became a manager and supervised a portfolio of institutions along with an examination team. During the financial crisis, Jeff was actively involved in the supervisory process which included several troubled institutions under informal/formal enforcement actions. In April 2012, Jeff was promoted to an Assistant Vice President and held several oversight responsibilities during the past few years, including a shift to oversight responsibility for the Consumer Affairs division in 2016. Jeff was promoted into his current role in January 2019.
Jeff is a graduate of the South Carolina Banking School, alumni of Virginia Tech with a Bachelor’s degree in accounting and is a licensed Certified Public Accountant (CPA) in the state of Virginia.
Scott Hildenbrand | Piper Sandler
Chief Balance Sheet Strategist and Head of Financial Strategies Group
Scott Hildenbrand serves as chief balance sheet strategist and head of the financial strategies group at Piper Sandler. Previously, he was a principal and chief balance sheet strategist of Sandler O’Neill + Partners, L.P. He headed the balance sheet analysis and strategy group, working with financial institutions on balance sheet strategy development, which includes interest rate risk management, investment portfolio strategy, retail and wholesale funding management, capital planning, budgeting, and stress testing. Hildenbrand also worked closely with the firm’s investment banking group to identify and develop strategic opportunities for clients involved in mergers and acquisitions.
Scott previously worked in Sandler O’Neill’s interest rate products group, focusing on developing and implementing structured wholesale funding strategies for financial institutions. He spent his first four years at the firm in the asset/liability management group. Prior to joining Sandler O’Neill in 2004, he worked as a financial analyst in asset/liability management at Tower Federal Credit Union in Maryland.
Scott was elected to the Financial Managers Society in 2021. He also serves as treasurer on the board of directors for Liam’s Room, a non-profit organization that focuses on pediatric palliative care, a specialized approach to medical care for children with serious illnesses. He is a frequent speaker at industry conferences and seminars. He holds an MBA in finance from Loyola College in Maryland and a bachelor’s degree with a concentration in accounting and finance from Gettysburg College.
Terry Hubbard | Office of the Comptroller of the Currency
National Bank Examiner
Terry has worked for the Office of the Comptroller of the Currency in their Roanoke office for 25 years, primarily as a field examiner. He also served as the Field Office Analyst for three years. His areas of expertise include commercial real estate lending and trust, where he earned the designation of Certified Fiduciary Investment Risk Specialist. Prior to joining the OCC, he spent two years at a local community bank. He is a graduate of Virginia Tech with a degree in Finance.
Steven H. King, CPA | Crowe
Steven is a manager in the national office at Crowe LLP. In this role, he primarily consults with audit engagement teams on SEC rules and regulation matters. Prior to this role, Steven was a financial institutions auditor with Crowe LLP in the Washington, D.C. office and previously held a position as Vice President of Finance at a closely-held financial institution in Kentucky. He is a graduate of the University of Kentucky and is an active CPA.
Sarah M. Lambert | Virginia State Corporation Commission
Manager of Examinations
Sarah began her banking career in as a bank teller in 1998. She graduated from Bluefield College in 1999 with a B.S. in accounting. Post-graduation she climbed the ranks from bank teller to eventually work within the Internal Audit Department as a staff auditor, manager, and then Director for almost 14 years. She obtained the designation of Certified Internal Auditor in 2013. She has been with the State Corporation Commission-Bureau of Financial Institutions as an Examiner for nine years, where she continues to protect and serve the citizens of Virginia through her passion of laws, regulation, coupled with her vast knowledge of auditing. Sarah graduated from the VBA School of Bank Management in 2022 just before she obtained the title of Manager of Examinations, also in 2022. Her banking portfolio mainly consists of community banks in Southwest Virginia and one Regional Banking Organization. Over her 25-year banking career, she has met and worked with many professionals throughout the Commonwealth of Virginia. She still resides in Bluefield, VA where she is raising her daughter.
Chris Low | FHNFinancial
Chris has over 30 years of experience as an economist and money manager. He is a frequent speaker at conferences and seminars. He does regular weekly radio spots for American Public Media’s Marketplace and the BBC’s World Business Report, as well as guest spots on Fox Business and Bloomberg Television. Chirs is a member of the SIFMA Economic Committee and of the American Bankers’ Association Economic Advisory Committee to the Federal Reserve Board of Governors, where he has served as Chairman. Chris has often been the most accurate forecaster of interest rates among economists surveyed by Bloomberg Economics.
Tom Mason | S&P Global Market Intelligence
Senior Research Analyst
Tom Mason is a senior research analyst focused on the U.S. fintech sector, producing data-driven reports and forecasts on the industry. His work covers both startups and incumbent financial institutions.
Layla Mooradian | Crowe LLP
Layla is a manager in the Crowe’s Audit & Assurance Business Unit with over five years of experience. She works on both private and public company clients within the financial services industry to provide external audit services, internal audit functions, process improvements, financial reporting, and to help ensure compliance with applicable regulations. She is a licensed CPA in Washington, D.C.
Marty Mosby | Stifel
Managing Director, Enterprise Risk & Management Analytics
Recently, Marty has been developing a banking strategic analysis approach that can enable U.S. Community Banks to apply advanced profitability, balance sheet positioning, and risk management techniques to maximize their potential while minimizing their underlying risk position. Prior to this venture Marty lead a U.S. Large Cap banking research team for a decade. He has utilized his past experience of managing a regional bank for two decades to cover 20 of the Largest U.S. Banks and to develop the modeling applied to community banks today. Prior to publishing research on U.S. banks, Marty had been an executive manager at First Horizon National Corporation where over his 22 year career he had served as Chief Financial Officer, Head of Investor Relations and Strategic Planning, ALCO Chairperson and Chief Economist. As CFO, Marty guided First Horizon through four years of Sarbanes-Oxley and directed the Treasury, Tax, Controller, M&A, Strategic Planning, and Investor Relations Departments. This has helped him gain a strong understanding of the banking industry which he has used to develop differentiated bank analysis. He was ranked first by Integrity Research and Investors’ performance, won Bank Analyst Annual Best Investor Relations at a Mid-Cap Bank award twice, and recognized by Investor Relations Magazine for one of the best Roadshows of any mid-sized company. Marty graduated from the University of Pennsylvania in 1988 with the degree of Masters of Arts in Economics and from the University of Memphis with the degree of Bachelor of Arts with Honors in Economics in 1986.
Deona Payne | FDIC
Risk Management, Assistant Regional Director
Deona Payne is a risk management assistant regional director with the Federal Deposit Insurance Corporation (FDIC) in Atlanta, Georgia. Ms. Payne currently oversees the Raleigh Territory, which includes West Virginia, Virginia, and the eastern half of North Carolina. She began her FDIC career in 1990, and served as an examiner, supervisory examiner, field supervisor, and case manager in various locations throughout the FDIC’s seven state Atlanta Region. She is a graduate of Minot State University, Minot, North Dakota, and holds an Anti-Money Laundering Certified Associate certificate from Florida International University and the Florida International Bankers Association, Miami, Florida.
Dee Spivey | SageView Advisory Group
Dee is a Retirement Plan Consultant with SageView Advisory Group, located in Richmond, Virginia. Dee has been in the retirement industry over 20 years, joining SageView at the start of 2020. Dee works with plan sponsors and fiduciaries to conduct plan reviews, consult on plan design, operations and administration of the plan as well as help design strategies for employee education and communication. Dee has experience working with many types of retirement plans including 401(k), 403(b), non-qualified deferred compensation, ESOP and defined benefit. She is passionate about creating trusted relationships with her clients, partners and team to accomplish a goal of creating a successful retirement program and for the clients she serves. Dee received her Bachelor of Science degree in Marketing from Virginia Commonwealth University. She is an Accredited Investment Fiduciary (AIF®) and holds the Certified Plan Fiduciary Advisor (CPFA) designation. She currently holds her Series 7 and 66 securities license and a life and health insurance license.
Bruce Whitehurst | Virginia Bankers Association
President & CEO
Following a 10-year career in retail and commercial banking, Bruce joined the Virginia Bankers Association in 1993, its 100th anniversary year. He has served as president and chief executive officer of the association since 2007 and was previously executive vice president.
While at the VBA, Bruce has worked with member banks in a variety of areas, to include government relations, education and training, financial literacy, and partnering with banks in a number of innovative ways to help them enter new lines of business. He also speaks about
and on behalf of the industry on a regular basis.
As a banking industry advocate, Bruce is active at the national level. He served on the American Bankers Association’s Regulatory Reform Task Force during the 2008-2009 financial crisis and served as an ABA Board member and chairman of the Alliance of
State Bankers Associations in 2012-2013. He has also served on the ABA Community Bankers Council and the ABA Government Relations Council.
Committed to serving his community, Bruce is a director of and has chaired United Methodist Family Services in Richmond, VA and the Virginia Council on Economic Education.
Bruce received his Bachelor of Arts degree from the College of William & Mary, his MBA from the University of Richmond and is a graduate of the Virginia Bankers School of Bank Management.
Thank You to Our Sponsors!
Ken Proctor, Director
firstname.lastname@example.org | (603) 801-9722
360factors empowers organizations to accelerate profitability, innovation and productivity
by predicting risks and streamlining compliance. Predict360, its flagship software solution,
is a Risk and Compliance Intelligence Platform augmented with Artificial Intelligence
technology to predict and mitigate operational risks while streamlining regulatory
Jimmy Maness, Vice President, Relationship Manager
email@example.com | (717) 441-4605
ACBB is a full-service correspondent bank committed to serving community banks of all
sizes. They support nearly 500 financial institutions and hold true to their mission to enable
banks with lending, correspondent, payments, and treasury solutions backed by exceptional
service at a competitive price. As an aggregator, their breadth of solutions and scale are
unmatched. As an innovator and problem solver, they welcome complex challenges. Please
reach out for a conversation.
Brown, Edwards & Company L.L.P.
Alan Landes, Partner
alandes@BECPAS.com | (540) 434-6736
Brown Edwards™ financial institution accounting services help management improve procedures, reduce risk exposure, and improve earnings. Their team, with over 40 years of banking experience will design a specific program for your organization’s needs while providing best practices and cost-effective outsourced services. Their services include internal audits & information technology audits, CECL audits, information technology risk assessment, loan reviews, internal control risk assessment, financial statement audits, and ACH and BSA compliance.
Sarah Ernest, Territory Manager
firstname.lastname@example.org | (218) 512-1062
Headquartered in Moorhead, Minnesota, ByteSpeed has been a leading IT solutions resource since 1999. They provide customized computer hardware, enterprise networking solutions, and professional IT services nationwide.
Bob Newman, Managing Director
email@example.com | (610) 925-3137
Chatham Financial is a trusted partner to over 230 financial institutions providing independent expert advisory and proven technology platforms for commercial loan and balance sheet hedging, hedge accounting, and regulatory advisory.
Rachael Ling, Partner Marketing Manager
firstname.lastname@example.org | (302) 332-1146
College Ave Student Loans is a private student loan provider that offers undergraduate,
graduate, and parent loans, as well as refinance options. They offer multiple loan options
with flexible repayment terms, including competitive interest rates, and features like instant
credit decision, a simple, 3-minute application process, no application or origination fee,
autopay discount, and best-in-class customer service.
Community Bankers’ Bank
Jay McNamara, Vice President, Regional Manager
email@example.com | (804) 495-6465
Community Bankers’ Bank is owned and directed by independent community banks in the Fifth Federal Reserve District and contiguous states. It gives community banks unique and outstanding value by the economies of scale it creates as a bank partner, never a competitor. It provides the products and services that banks need to operate and excel. Competitive pricing and superior service make it a vital resource for community banks.
Membership Development Team
firstname.lastname@example.org | (888) 353-3933
An expertly-staffed hotline, federal regulatory tools, policies and procedures, and unlimited reviews for small-to-medium community banks across the U.S. — the only all-inclusive banking compliance advisory. C/A’s nearly 1700 products and tools support 48 separate bank compliance areas –an unlimited-access Bank Compliance Library – conforms to the most recently published federal banking rules and regulations. Whether you are building institutional exam-readiness or a bank compliance program, C/A has all the resources, access, and availability for one membership subscription. Co-owned by the Virginia Bankers Association and 28 other state bankers associations across the country. To learn more about C/A’s new Virtual Compliance Officer service, call (833) 683-0701.
Compliance Alliance is a VBA Endorsed Provider
Alwyn Staley, Partner
email@example.com | (865) 414-5597
CRS Data specializes in property tax and mortgage information. They help banks manage lending portfolios, increase fee income, streamline the appraisal process and prospect for new commercial lending opportunities.
Tammy Webster, TRS Account Manager
firstname.lastname@example.org | (803) 808-4918
DDI Technology is a leading electronic title and registration technology firm providing title
administration and processing services for vehicle dealers and lenders. DDI Technology is a
proud member of the IAA, Inc. family of companies and focuses on delivering superior
products, professional service and hi-touch customer service for all areas of vehicle title
management. DDI Technology fosters partnerships with progressive and innovative businesses by supplying new technologies; enabling partners to provide superior service to their customers while delivering time efficiencies and reducing operating costs.
DDI Technology is a VBA Endorsed Provider
Chip Jones, Senior Advisor
email@example.com | (804) 873-8593
Dudley Resources provides Flexible Remarketing Solutions, empowering their clients with
the ability to put the focus back on banking. Their firm offers over 40 years of experience
supporting Regional Banks and Institutional Sellers with asset management services and
programs which enable their clients to achieve maximum values across an array of asset
classes. Their services include Senior Accredited (ASA) approved appraisals, online and
simulcast auctions for real estate, machinery & equipment, business assets, and
automobiles. They offer proprietary surge pricing platforms, trustee & repo services,
foreclosure sales, note sales, and buyout options. They are equipped with industry leading
technology, knowledge, and experience to provide the best customer service in the business. Dudley Resources….a resource to banks offering dependable and reliable results for all your asset remarketing needs.
Josh White, Shareholder
firstname.lastname@example.org | (919) 987-2760
Elliott Davis is a business solutions firm providing services to over 500 financial institutions
across the United States. Their team of over 100 professionals dedicated to the banking
industry serves banks with audit, tax and advisory services. These advisory services
include internal audit, compliance reviews and monitoring, BSA/AML, information
technology/cyber security, SOX/FDICIA assistance, credit services, data analytics, model
validations, due diligence, process improvement assessments and plans, organizational
consulting, and SOC reporting, among others.
Dan Brenton, Senior Relationship Manager
email@example.com | (404) 858-6008
FHLBank Atlanta is a cooperative bank that offers competitively priced financing,
community development grants, and other banking services to help member financial
institutions make affordable home mortgages and provide economic development credit to
neighborhoods and communities.
Trae Winston, Accounts Management
firstname.lastname@example.org | (800) 456-5460
FHN Financial is an industry leader in fixed income sales, trading, and strategies for
institutional customers in the US and abroad. They also provide investment services and
balance sheet management solutions. With an average daily trading volume of $6.4 billion,
FHN Financial transacts business with approximately 45% of all US banks with portfolios
over $100 million. For 24-month period ending 4Q22.
Drew Kessler, VP of Sales
email@example.com | (404) 747-9470
Genesys was founded in 2007 to help community financial institutions negotiate their core
vendor contracts. A lot has changed in financial technology since then. The Core Technology
and Fintech landscape is evolving rapidly, and the Genesys team understands this shifting
landscape. Genesys helps institutions control existing technology expenses, evaluate Fintech
partnerships, assess BaaS and PaaS strategies, and maximize non-interest income through
debit card optimization. Genesys also offers turn-key enterprise project management office
services (EPMO) for all of your strategic initiatives, including mergers and conversions.
Genesys is a VBA Endorsed Provider
Tyson Peterson, Sr. Vice President
firstname.lastname@example.org | (901) 507-9220
Founded in 1946, HilltopSecurities is a full-service municipal investment bank and wealth
advisory firm providing financial services for public entities, institutional investors, housing
finance agencies, broker-dealers, and individual investors. HilltopSecurities represents a
unique blend of financial strength, industry knowledge, and decades of experience helping
clients pursue their bold visions. Since 1987, HilltopBancSystems (HBS) has provided
innovative proprietary software and customized services for depository institutions. HBS
today serves over 250 clients, ranging in asset size from $50 million to over $20 billion. HBS
is a trusted provider of the easy to use systems and support necessary to be a high
performing depository institution in today’s rapidly evolving regulatory environment.
Patrick Kealey, Managing Director
email@example.com | (703) 292-3468
IntraFi is the nation’s largest deposit network, connecting thousands of financial institutions. Its solutions provide seamless access to large-dollar deposit and liquidity management services, enabling institutions of all sizes to strengthen customer relationships, reduce risk, and increase balance sheet flexibility. A trusted industry partner for 20+ years, chosen by 3,000 banks, IntraFi is the inventor and leading provider of reciprocal deposit solutions and overnight and wholesale funding solutions.
IntraFi is a VBA Endorsed Provider
Josh Miller, CEO
firstname.lastname@example.org | (702) 598-3738
Founded in 1991, KeyState provides over 140 community banks with innovative investment
structures that enhance a community bank’s annual earnings. Since 2019, KeyState
Renewables has raised and deployed $275 million in solar tax credit investments for
community banks through its SOLCAP fund platform, financing 53 solar projects in 7 states.
KeyState is a VBA Endorsed Provider
Stuart Capps, Senior Sales Executive
email@example.com | (910) 386-6578
KlariVis® is the only cloud-based, core-agnostic enterprise dashboard and analytics solution built for bankers, by bankers. The KlariVis platform compiles and aggregates high-value, actionable data across disparate systems into an intuitive, interactive dashboard that provides financial institutions of all sizes with timely insights that empower teams, drive profitability, and improve productivity at every level of the organization.
KlariVis is a VBA Endorsed Provider
Vince Brady, Senior Sales Executive
firstname.lastname@example.org | (773) 620-7607
Everything your bank needs in a digital banking platform. We can help make your vision a
reality, regardless of your core, and without complicated development cycles. Our
technology gives you the tools needed to extend your platform the way you want. Plug and
play with hundreds of pre-integrated services and partner solutions. From conversions and
implementations to custom development and turnkey marketing programs, you’ll receive
professional and knowledgeable support every step of the way.
Dennis Falk, SVP & MidAtlantic Regional Manager
email@example.com | (804) 944-6265
Dedicated to serving the needs of community-based financial institutions since1997, PCBB’s
comprehensive and robust set of products and services include correspondent and
commercial services, hedging, and international. PCBB also offers a variety of consulting
services ranging from asset liability management, relationship profitability, stress testing,
and loan reserve analysis, including CECL. Their services are designed to help you compete
more effectively, but they never compete against you for your own customers.
Scott Hildenbrand, Chief Balance Sheet Strategist
firstname.lastname@example.org| (212) 466-7865
Avi J. Barak, Managing Director
email@example.com | (212) 466-7908
Scott Clark, Principal, Investment Banking
firstname.lastname@example.org | (212) 466-7965
Frank Blanco, Managing Director
email@example.com | (212) 466-7881
Bill Boyan, Managing Director
Bill.Boyan@psc.com | (212) 466-7720
John Burke, Associate Director
firstname.lastname@example.org | (212)466-7823
Piper Sandler Companies (NYSE: PIPR) is a leading investment bank driven to help clients Realize the Power of Partnership®. In the financial services space, Piper Sandler Companies (formerly Sandler O’Neill + Partners, L.P.) is a full-service investment banking firm dedicated to providing comprehensive, innovative advisory and transaction execution services. The firm specializes in strategic business planning, mergers and acquisitions, capital markets, mutual to stock conversions, investment portfolio and interest rate risk management, fixed income securities transactions, and mortgage finance restructurings. Piper Sandler Companies is also a market maker in hundreds of financial stocks and publishes equity research focused on selected banks and thrifts, insurance companies, investment banks, asset managers, specialty finance companies, e-finance companies, real estate investment trusts, and financial technology companies.
PNC Capital Markets, LLC
Rich Ferry, SVP & Managing Director
email@example.com | (412) 762-9256
PNC Bank’s Financial Institutions Group (FIG) is an experienced team of financial industry
professionals specializing in the delivery of a wide range of capital markets and advisory
services to community banks. PNC’s FIG platform leverages PNC’s expertise and experience
to provide a comprehensive range of banking, capital markets, and investment advisory
Profit Resources, Inc.
Brady Chianciola, Consultant
firstname.lastname@example.org | (413) 544-1584
Profit Resources, Inc (PRI) enhances interchange income and debit card profitability, evaluates and negotiates system contracts, and completes process improvement throughout every area of the bank. PRI strengthens banks by making quantifiable improvements to profitability and efficiency while also specializing in merger integration. Helping good banks get better since 1990.
Kris Keefauver, Account Executive
email@example.com | (502) 331-5691
QSI is NCR’s #1 global financial partner, providing turnkey delivery of ATM and ITM solutions. They are a full-service bank equipment company, with alarm and video, vault, drive-through, monitoring, and more. Through Remote Management Console (RMC), they offer remote delivery of compliance services. QSI maintenance agreements are customer-friendly, and call info and history is available 24/7 on our Customer Connect portal, accessible by any device.
SouthState Bank Correspondent Division
Charlie Winborne, First Vice President
firstname.lastname@example.org | (704) 607-4737
SouthState Bank, NA is a southeastern retail bank with over $45 Billion in assets, based in Winter Haven, Florida. Its Correspondent Division was created in 2008 and is based in Atlanta with over eighty-five professionals across the country dedicated to correspondent services. The Team manages over 1000 relationships in 45 states, and as their customers and their communities expand and grow, SouthState is committed to delivering innovative products and services. In addition to Atlanta, Correspondent offices are located in Birmingham, AL; San Francisco, CA; Memphis, TN and Winston-Salem, NC. Additional Business Development offices are located in Dallas, TX; Charlotte, NC; Chicago, IL; and New York, NY. To find out more about the SSB Correspondent Division, loan hedging, international services and their fixed income offerings please contact Charlie Winborne in Charlotte.
McNeill Wells, Managing Director, Fixed Income Capital Markets
Wellsm@stifel.com | (877) 786-0955
Working with banks in Virginia and across the United States, Stifel is committed to helping executives grow their businesses and better serve their customers. Anchored by an experienced team of financial strategists, traders and sales representatives, Stifel provides a suite of industry-focused services, analytics and products related to institutional investing, loan sales, asset liability management, derivatives strategy and funding.
Bernard Rogers, Director of Equity Funds & Investor Relations
email@example.com | (804) 297-3005
As the only Virginia-based tax credit equity fund, they have been creating high-performing
equity funds for over 30 years that prioritize the diverse needs of their investor and
development partners, as well as the communities in need of affordable housing and
economic development opportunities. Through their efforts, they have facilitated and managed 59 equity funds, directing funding to the construction and rehabilitation of affordable rental housing and economic development real estate projects across Virginia and in surrounding states.
VCDC is a VBA Endorsed Provider
Michael Urban, Director of Home Ownership Lending
firstname.lastname@example.org | (804) 343-5982
By investing in the power of home, Virginia Housing transforms where and how thousands of Virginians live and thrive, strengthening communities and the economy. Virginia Housing is celebrating its 50th year of working in partnership with the public and private sectors to help Virginians attain quality, affordable housing. While receiving no state taxpayer dollars, Virginia Housing raises money in capital markets to provide mortgages to first-time homebuyers, invest in developments and innovations in affordable housing, and make homes for people with disabilities and older Virginians more livable. Virginia Housing is committed to diversity, equity and inclusion among its associates, customers and affordable housing partners.
Angie Kiochandra, Account Executive
email@example.com | (571) 439-1743
Scott Burlingame, Account Executive
firstname.lastname@example.org | (571) 439-7115
VISA is the largest payment network in the world.
YHB | CPAs & Consultants
Jesse Meadows, Principal
email@example.com | (540) 662-3417
The YHB Financial Institutions Team takes a holistic approach to assisting community banks with growing, managing, and protecting their hard work. With 300 professionals across 11 locations, they partner with many of the region’s most trailblazing leaders and banks. They are passionate about making sure your bank has the tools and support it needs to thrive.