David S. Adcock is Senior Vice President and Director of Credit Risk at Cadence Bank. Mr. Adcock directs the credit risk modelling, ratings assignments and the allowance for credit losses processes. Previously he was responsible for the bank’s lending policies and served as a regional credit officer and commercial lender. He is a graduate of Emory University and the Graduate School of Banking at Louisiana State University. He has spoken at conferences on Allowance for Credit Loss approaches, Stress Testing and Real Estate and Secured Lending.

Tope is a professional with over 28 years of business, management, technical accounting, and risk and controls management experience across mainstream industries.  

Worked with three of the Big 4 firms — PricewaterhouseCoopers LLP Nigeria, KPMG LLP Nigeria/UK, and Ernst & Young LLP Chicago; and in the industry in corporate finance and internal controls/auditing roles. Consulted for firms such as: Fannie Mae, Zurich Insurance, Freddie Mac, HSBC, Bank of America, Federal Home Loan Banks in Chicago, Indianapolis, and San-Francisco, and other Fortune 500 clients.

Currently serving as the Internal Audit Director with PNC and having responsibilities for providing 3LOD oversight for Interest Rate Risks, LIBOR Transition, Investments Portfolio, Recovery/Resolutioon Planing, Alternative Investments, Balance Sheet Hedging activities, and other Balance Sheet related activities.

Hans Bailey serves as the Senior Economics and Credit Risk Officer for Cadence Bank. Hans has over 25 years of experience as a business economist. Based in Birmingham, Alabama, his current work specializes in economic forecasting and modelling, and loss reserving for Cadence. He has previously served as the economic capital manager for Regions Bank, a statistician for Wachovia Bank, and an economist at Old Republic Insurance Company. Hans holds a Master’s Degree in Economics from the University of Oklahoma.

Chad Brandt oversees the bank’s capital markets activities, including funding and debt issuance, investments, and market risk analysis. Brandt also manages the on-balance sheet loan assets for the bank’s Advantage Mortgage Purchase Program. He joined FHLBank Indianapolis in January 2016. Prior to joining the bank, Brandt served as Vice President of Liquidity and Funding for BMO Harris Bank in Chicago and was Executive Vice President of Banking and Advance Products at the Federal Home Loan Bank of Chicago. Brandt holds an undergraduate degree from the University of Virginia and an MBA from Duke University.

Scott Brennan manages the sales and funding teams, and directs the execution of the corresponding business strategies. Brennan leads the Bank’s resources and strategies related to shareholder business development.

Brennan joined FHLBank Atlanta in 2001 as a relationship manager, providing customized funding solutions to shareholder financial institutions in North Carolina and South Carolina. He was promoted to regional sales coordinator with responsibility for financial institutions in Virginia, Maryland, and Washington, D.C. in 2005. Prior to joining FHLBank Atlanta, Brennan worked for Fleet Boston Financial Corporation in Horsham, Pennsylvania. He earned a bachelor of science in business administration from Franklin and Marshall College.

Ian joined USAA in May 2019 and currently leads Enterprise Interest Rate and Liquidity Risk Oversight, and serves as the functional Head of Financal Risk for USAA Federal Savings Bank.

Prior to USAA, Ian was Senior Vice President at BNP Paribas Bank of the West where he served as the Head of Market & Counterparty Risk.  While at BNP, he also held roles as a Senior Credit Officer and in Risk Credit Strategies for the US Commercial Banking operations.

Prior to BNP, Ian worked for a market-neutral hedge fund covering the financial services sector for 2 years from 2007-2009.  Prior to 2007, Ian worked in various roles in risk management and corporate credit with Bank of America.

Ian is an active CFA Charterholder and member of the DFW CFA Society.  He holds a Master’s in Financial Engineering from UCLA Anderson School of Management and a Bachelor’s of Science in Finance from Boston College.  Ian is also a graduate of the Pacific Coast Banking School where he was published in the Library and included on the Honor Roll.

When not at work, Ian enjoys spending time with his wife Monica, and two daughters, Evelyn (8) and Vivienne (6).  He also enjoys playing Classical piano (since 4 years old) and an occasional round of golf.

With over 25 years of experience in the financial services industry, Brad has consistently excelled in diverse leadership roles, including fixed-income portfolio management, market risk management, and treasury, with a specialised focus on Asset Liability Management (ALM). In his last 13 years with Oracle, he has developed transformative balance sheet management applications and analytics such as Cash Flow Engine, Asset Liability Management, Business Intelligence and Data Visualisations.

David joined USAA in October 2020 and currently leads Enterprise Risk Management, including Governance & Frameworks, Risk Appetite, Risk Identification, and Reporting. Prior to USAA, David was Senior Vice President at Citizens Bank where he held various roles including Head of Risk Strategy & Applied Analytics and Head of Integrated Stress Testing. Over the past 27 years, he has worked for several institutions as a practitioner, regulator and consultant (such as The Federal Reserve Bank of Chicago, Fannie Mae, GE Capital and Quantitative Risk Management) and has covered Financial, Operational and Enterprise risks.
David graduated from the University of Toledo with a BBA in Finance and The University of Chicago’s Graduate School of Business, specializing in Econometrics & Statistics.

More than 25 years of experience in financial services, having held senior risk management positions with CIBC, Susquehanna Bancshares, Bank of America, LaSalle Bank/ABN AMRO, JP Morgan Chase, and Bank One, and enhanced during the financial crisis by consulting for numerous large financial institutions with Deloitte and Touché. Current responsibilities at CIBC focus on Risk Management strategic & tactical decisioning from business, technology, operational and regulatory perspectives. Direct responsibilities, include; Enterprise Risk, Operational Risk, Private Wealth Management, Consumer Risk Management, Credit Review, Stress Testing, Conduct Risk and Cyber-Security. Progression of roles built on continuous learning, while delivering solutions to ever-increasing complexity and demands.

Mitchell Chad is a senior Risk and Treasury practitioner with over 20 years of financial services experience built on a foundation of technical expertise, thought leadership, and change management. Throughout his career, he has focused on a holistic and comprehensive approach rather than the siloed one traditionally adopted by financial institutions.

Mitch and his team developed RBC’s suite of models and methodologies for IFRS 9, CECL, CCAR and EWST, including the underlying technology architecture. Prior to joining RBC, Mitch held progressively senior roles at multiple Canadian and international financial institutions in treasury and FTP (ALM and SIRR strategy, enterprise-wide implementation of LCR, NSFR and BCBS 239), market risk (MVS, EaR, VaR and PFE), structuring complex financial instruments and credit risk analytics (pricing/strategy models, AIRB, ICAAP, economic capital and stress testing).

Mitch holds a Master of Science degree in Mathematics, Statistics, and Actuarial Science from the University of Western Ontario.

Petr Chovanec is a Director of Business Modeling and Forecasting at UBS Global Wealth Management where he leads a team modeling and predicting balance sheet and income statement of America’s wealth management banking. In his position, he is involved in business forecasting, strategic planning, capital optimization, and various stress testing exercises (CCAR, CECL, LPA). Before the position with UBS, he spent four years in capital management group and in model validation of Citizens Bank (formerly RBS Citizens) and State Street. Before that he was a front office quant in fixed income, currency and commodities trading with State Street and ENGiE.

Jerry Clark will be speaking at CeFPro’s Balance Sheet Management Congress

Over 35 years financial services experience primarily focused on treasury and risk functions.  Most recently served as the market and liquidity risk executive for Ally Financial. Prior to that, served as an executive within MBNA’s treasury group directing their securitization program and creating a treasury risk function.  Demonstrated record of managing relationships with external stakeholders such as rating agencies, investors, bankers and regulatory agencies (i.e. SEC, OCC and Fed).

Adam Goldstein is the Chief Business Officer at the FHLBNY. In this role, Adam oversees the bank’s Business Lines. Since joining the FHLBNY in June 1997, Adam has established departments including Marketing, Membership and Research, and the Member Service Desk. He is the co-lead for the FHLBNY’s Corporate Long-Term Strategy and sits on the FHLBNY’s Management Committee, Asset-Liability Management Committee, and Disclosure Committee. Adam is instrumental in the development of new business initiatives, such as the Mortgage Asset Program (MAP^®) and Letters of Credit products, as well as the innovation of numerous credit and community development products.

At the national FHLBank System level, Adam is the Chairman of the Large Member Lending Task Force (f.k.a Globally Systemic Important Banks Task Force) and the Chairman of the In-District Regulatory Outreach Committee. He previously led the ESG Bond Issuance Task Force (presented the findings to the OF Board), was a senior member of the Insurance Company Task Force and Data Governance Task Force, and was past Chairman and creator of the FHLBank System Sales and Marketing Committee. Adam serves on the American Fintech Council and is a member of their Community Advisory Board. He is also on the Board of Trustees and Chairman of the Finance Committee, as well as former Chairman of the Audit Committee for the Kennedy Children Center.

Adam received his bachelor’s degree from the State University of New York at Oneonta, holds an MBA in Financial Marketing from Binghamton University, and an additional five post-graduate certifications in business and management excellence from Harvard University, Columbia University, New York University, Cornell University, and The New York Institute of Finance.

Frank Henry is a Director of Liquidity Risk at Ally Bank where he has helped oversee the firm’s liquidity risk management program for the past 4 years.  Prior to joining the Liquidity Risk Organization, Frank ran the long-term Liquidity Forecast in Balance Sheet Management.  He has been with Ally for 13 years and held many roles across treasury.

Frank resides in Charlotte with his wife and 3 children.  He enjoys golf and fishing as hobbies, and is active in the Myers Park Presbyterian Church, where he recently completed a term on the Church School Board.

Chris Johnson, MAI, SRA, AI-GRS, ASA, is a Senior Managing Director with Newmark Valuation & Advisory. With over 17 years of experience, he specializes in commercial real estate appraisal, including a wide range of property types across Mississippi, Alabama, Tennessee, Georgia, North and South Carolina, and Virginia. As the Market Leader for the Southeast region, Chris manages a team of over 40 dedicated valuation professionals across six states, leading business development and recruitment in the region. His clientele includes financial institutions, corporations, and government agencies, among others. Before joining Newmark in 2022, Chris held leadership roles at Colliers and Cushman & Wakefield.

Michelle Jonson became Executive Vice President, Chief Risk Officer of the Bank in July 2014. Prior to that, she was Senior Vice President and Co-Head of the Members and Markets Group since May 2014. Previously, Ms. Jonson served as Managing Director of the sales, member support, and member marketing relations functions since 2011. In 2000, Ms. Jonson joined the Bank and has managed responsibilities around pricing, funding, and hedging of advances and MPF, and developing operational risk strategies for the Members and Markets Group. Prior to joining the Bank, Ms. Jonson worked as an Investment Analyst for Aon Advisors. She received her CFA charter designation in 2008.

Henry Kwan is the SVP and Deputy Treasurer of East West Bank. He oversees risk management over liquidity, interest rate, capital, and FX risks. He manages the Bank’s investment portfolio and executes liquidity, interest rate, and hedging strategies. Henry is an expert on quantitative analysis, including liquidity forecast, liquidity stress testing, ALM modeling, liquidity stress testing, and capital stress testing. Besides domestic Treasury functions, he oversees the treasury activities in the foreign branch in Hong Kong and its wholly-owned subsidiary in China. He obtained his bachelor’s degree at UC Davis and an MBA at UCLA Anderson School of Management. He is a CFA Charterholder and is a mentor for the CFA Los Angeles Society members.

Alison Li is an Executive Audit Director at First Citizens Bank. She and her team provide audit coverage for capital, liquidity, market risk and model risk with an emphasis on assessing the Bank’s rapid transition into a large financial institution. Prior to First Citizens Bank, Alison served as an Audit Director at Truist Financial Corp, where she designed and directed the audit team to deliver the Horizontal Capital Audit Program. Before that, Alison served as a Senior Examiner with the Federal Reserve Bank of Richmond and participated in the execution of various supervisory programs for capital, liquidity, market risk and model risk across the LISCC and LBO firms. Alison has a B.S. in Finance from Nankai University and earned an MBA from Case Western Reserve University, and is based in Charlotte, NC.

 Frank joined China Construction Bank NY branch (CCB) in 2014 as SVP & Treasurer of. Was Treasurer for Dexia Credit Local US , where Frank launched the Dexia US operations as USD global competence center to USD 70 billion, following Treasurer of the National Bank of Kuwait US operations.
 Frank chaired the US Liquidity Contingency Committees of both Dexia & NBK; leading Dexia global USD liquidity management efforts during the crisis of 2008, 10 & 11; and NBK during the Iraqi invasion of Kuwait.
 A forward thinking seasoned risk strategist and influential thought leader, Frank leverages a thorough understanding of the mechanics of treasury to manage the evolving regulations on treasury. Frank has worked as an independent advisor and consultant. Recent engagements included European, American, Asian and Middle Eastern banks, hedge funds and a private equity firm specifically focusing on Treasury Best Practices, Liquidity and FTP.
 Frank is a regular speaker at industry conferences, moderating the 2012 IIF (Institute of International Finance) Executive Program on Treasury Risk. Presented at the IQPC CFO Conference 2016. Chaired the Marcus Evans Annual 2013 & 2015, 16 Liquidity Conference and 2013, 14, 15, Annual Funds Transfer Pricing and BSM. Presented at 2015 Funds Mgt. Conference.

Brian Schiffer, senior vice president and quantitative analytics director in Wells Fargo’s Risk Modeling Group, is responsible for the development and implementation of models supporting Financial Crimes, Liquidity Risk, Operational Risk, Fair Lending, Deposit, Liquidity and PPNR forecasting.

With over 20 years of experience in financial services and analytics, Brian joined Wells Fargo in 2015.  Prior to that Brian spent time at several other Financial Institutions.  Brian holds a bachelor of science in decision and information sciences from the University of Florida and master of science in mathematical finance from UNC-Charlotte. Additionally, he is a CFA charterholder.

Biography Coming Soon

Steve is a Managing Director at Empyrean Solutions focused on introducing Empyrean to some of the largest, most sophisticated banks in North America, the UK, EU, and Asia-Pacific. In this role, he leverages his experience as a successful financial services industry executive and consultant leading engagements in treasury, liquidity management, balance sheet and capital strategies, finance, regulatory risk compliance, and credit portfolio oversight. He regularly presents and chairs industry risk conferences. Steve has published in numerous industry journals including Bank Director, Bank Accounting and Finance, Commercial Lending Review, and American Banker. Prior to joining Empyrean Solutions, Steve held Managing Director positions at Novantas and First Manhattan Consulting Group. He started his career leading treasury at Shawmut National Corporation, a leading Northeast regional bank. He has an undergraduate degree in economics from Allegheny College with honors and an MBA in finance from Tulane University.

Dr. Veeramani is a Financial Services executive with a demonstrated history of successfully leading high visibility initiatives at global and midsize financial institutions. He is currently Chief Economist with Wintrust Financial Corporation. He leads the bank’s Liquidity, Market & Interest Rate Risk Oversight, Economic Analysis & Forecasting, and Risk Strategy & Analytics functions.

Dr. Veeramani is a published author and frequent speaker on topics related to risk & financial analytics, creation of data-driven business intelligence, and economic trends.

Dr. Veeramani earned his Ph.D. in Economics at the University of Kentucky. He is a graduate of the Advanced Risk Management Program from the Wharton School at the University of Pennsylvania. Prior to joining Wintrust Financial Corporation, he held various risk management positions at Morgan Stanley, Discover Financial Services and HSBC.

Craig Woker manages QRM’s Funds Transfer Pricing & Profitability Practice. He assists all QRM clients with an FTP engagement to assess the profitability of products, divisions, and business units, as well as with forecasting net interest margin in planning and stress testing. Before heading the FTP practice, he managed QRM’s Americas Client Management Team, providing consulting and support in the areas of asset-liability management, FTP, credit, liquidity, and regulatory capital. Prior to joining QRM, he helped start the Equities Research division at investment-research firm Morningstar, where he was the Director of the Financial Services practice. His team of researchers generated financial profitability forecasts and estimated values of banks, insurance firms, investment banks, and other publicly traded firms around the globe. He carries the Chartered Financial Analyst designation, and holds a Bachelor’s degree from Northwestern University, as well as a Master’s degree in Finance from DePaul University.

Sergey Yeremenko is a Director of Internal Audit responsible for Capital Markets and Trading Market Risk at PNC. He leads a team evaluating operations of bank capital markets and the broker-dealer, structured products group, market risk management, and counterparty credit risk management. He has 19 years of professional experience and in positions prior to PNC provided audit coverage of capital markets, treasury management, market risk, and real estate finance while working at Truist (former BB&T), Freddie Mac and Fannie Mae. He is a CPA. He obtained his bachelor’s degree at University of Wisconsin -Stevens Point and his MBA at Georgetown University.

Ed Young works on projects involving credit risk, enterprise capital planning/stress testing, and CECL, helping clients solve complex financial risk management challenges. He develops robust, cross-company solutions to address clients’ needs and improve risk management processes. His background includes leadership roles at the Federal Reserve with a focus on credit, market, and liquidity risk; model risk management; and capital stress testing.

Ed earned both an MBA and BS in Finance from the University of Alabama at Birmingham.

Katherine Zhang is a MD and the head of Centralized Modelling & Analytics Team at State Street. She is currently leading this team within ERM & Compliance to provide either quantitative analysis or model development services to treasury and finance business units. She also led the model validation team for three years after she joined State Street in 2015.
Prior to joining State Street, Katherine Zhang has 20+ years of experience in model risk management, either in model development or model validation ares to support Basel II compliance, regulatory and economic capital, stress testing, allowance and pricing, and underwriting and equity/derivative trading experience in the early career. She worked for JPMorgan Chase and GE Capital before for 12 years. Katherine Zhang is a graduate of University of Chicago with a MBA with concentration in analytics, and has MSc in Finance and Economics in London School of Economics and Political Science and Mathematics bachelor degree.

Oracle will be sponsoring CeFPro’s Balance Sheet Management Congress 2023

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