Speakers Include: Patricia Cashman Cashman Compliance Solutions, LLC Patricia 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. Elva Coffey-Sears American Bank Systems, Inc. Elva is Vice President and Compliance Consultant for American Bank Systems, Inc., a provider of technology solutions for the financial industry, including CompliancePro® (a system for compliance monitoring and risk management) and BankManager® (a document management and imaging solution), as well as compliance consulting and loan review services. Elva began her banking career in 1978 on the operations-side of the bank, switching to a compliance focus in 1989. She has had responsibility for compliance for three Chicagoland banks, including chief compliance officer for a $75-billion, multi-state, multi-bank holding company. She has served as an examiner with the Office of the Comptroller of the Currency. In her tenure as a compliance consultant, she has assisted financial institutions with regulatory remediation involving BSA/AML, conducted diagnostic compliance and BSA/AML reviews, and provided regulatory compliance and compliance risk management training. She holds an undergraduate degree from Loyola University of Chicago, and is a Certified Regulatory Compliance Manager and a Certified Risk Professional. Lucy Griffin Compliance Action 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. Mary Beth Guard Executive Editor BankersOnline.com, Oklahoma City, OK Mary Beth Guard currently serves as Executive Editor of BankersOnline.com and CEO of Glia Group, Inc. Mary Beth has had a long and distinguished career, graduating from law school in 1980, then going on to serve as general counsel for the Oklahoma State Banking Department, general counsel for the Oklahoma Bankers Association, and EVP of Specialized services for Thomson Financial Publishing prior to co-founding Glia Group, Inc. and BankersOnline.com. Mary Beth also serves as Executive Editor for BankingQuestions.com and as a partner in BankGuard Resources. Mary Beth is on the advisory board for BANKERS' Hotline. She has presented training programs for virtually every major national financial industry association, as well as more than a dozen state bankers associations and a host of other organizations. In addition, Mary Beth has written more than a thousand banking-related articles and is a BOL Guru. Gary Hess President RTE Financial Services, LLC, Waite Park, MN Gary is the President of RTE Financial Services, LLC, a distributor of web based software to financial institutions. RTEfs also engages in consulting, web development and software development for financial institutions. Prior to forming RTEfs, Gary was a consultant to financial institutions, first with Counter Intelligence Associates/TRG and then as the owner of Gary Hess Consulting. Previous to his consulting work, Gary was employed by Bankers Systems, Inc. for twenty-five years. In his tenure with BSI he worked in the development of compliance documents, documentation software systems, component technology and served as BSI's Vice President of Software Development and Support. Gary regularly speaks at industry meetings regarding topical issues, including ID Theft, Bank Secrecy Act including the USA Patriot Act, OFAC and Customer Identification Programs. Gary is available to financial institutions and industry associations to discuss compliance, business and market issues. Gary received his Bachelor of Science degree from the University of Minnesota, College of Education, in Mathematics in 1974. He received his Juris Doctor from the University of Minnesota Law Center in 1977. Chuck Lewis RSM McGladrey, Inc. In the fall of 2006, Chuck became Director for Risk Management Services for RSM McGladrey, Inc. in Kansas City. Prior to joining RSM McGladrey, Inc., Chuck spent over 25 years with UMB Consulting Services, Inc., a subsidiary of UMB Financial Corporation. For over 20 years, he was Director of Regulatory Services for UMB. A Certified Regulatory Compliance Manager, Chuck frequently speaks at programs sponsored by the American Bankers Association and numerous state banking associations. In 2004, he received the Distinguished Service Award at the ABA's Regulatory Compliance Conference, which is presented to recognize outstanding leadership, initiative, and accomplishment in banking's regulatory compliance management profession. He is on the faculty for a number of state and national banking schools including the Graduate School of Banking at the University of Wisconsin-Madison. Karen Neeley Attorney Cox Smith Matthews Incorporated, Austin, TX Karen Neeley is an attorney in the Financial Institutions Practice Group of Cox Smith Matthews Incorporated. She assists clients with a broad range of matters related to trade association and financial institution law and also provides in house training to a variety of banks on various topics. She is a graduate of the University of Texas School of Law and the University of Texas at Austin. Karen was formerly General Counsel of the Texas Bankers Association and is currently outside corporate counsel for the Independent Bankers Association of Texas. Sam Ott Attorney Phillips Murrah. P.C., Norman OK Sam D. Ott is in law practice in Norman, Oklahoma, where he is of counsel to the Oklahoma City law firm, Phillips Murrah. P.C. and a member of the firm's Commercial and Consumer Financial Services practice group. He represents both privately-held and public companies in a wide range of banking matters. Sam was General Counsel and Secretary of the Board of BancFirst Corporation, a financial holding company, and BancFirst, the largest state-chartered institution in Oklahoma with over 76 locations in 51 communities. Before his association with BancFirst, he 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. Dan Persfull The Peoples State Bank Ellettsville, IN 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 fall 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. Andy Zavoina Associate Editor BankersOnline.com, Oklahoma City, OK Andy has been in finance and banking for 22 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. Andy 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 currently serves on the Editorial Advisory Board for the ABA's Compliance Magazine, Compliance Action newsletter, is 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 website.