Speakers

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Tony Ferris

Tony Ferris, CEO

Rochdale Paragon Group & apogee iQ™

Have you ever uttered the phrase, ‘hindsight is 20/20’ in response to an unexpected result within your work? As a financial industry consulting expert, Tony Ferris enjoys guiding C-Suite professionals to identify the unseen, implement the difficult, and create sustainable solutions to maximize results. His clients describe him as a “revolutionist.” They appreciate that unlike other consultants, he doesn’t just offer ideas but honest (often hard to hear) truths and solutions by truly partnering with leaders and organizations alike to bring about positive disruption in the status quo, creating opportunities for competitive advantage, rather than merely reacting to what others in the industry are doing.

 

Blending over 20 years of experience working with financial institutions and his natural change-embracing skills, Tony helps leaders truly evolve in the way they think, strategize, and govern. To that end, Tony and the Rochdale Paragon Group has led the charge on defining the business processes around governance, risk and assurance disciplines to formalize how organizations make better decisions and focus on the critical tasks. The Rochdale Paragon Group provides the culture and framework to both preserve and create organizational value by de-biasing decisions, delivering focus on the most important opportunities and obstacles, and assuring compliance while minimizing administrative expense.

Jeff Owen

Jeff Owen, COO

Rochdale Paragon Group
Chief Sales Officer, apogee iQ™

Jeff has worked at The Rochdale Group (Rochdale) since 2006. He has over 16 years of experience in the financial services arena. Prior to Rochdale, Jeff worked at the Federal Reserve Bank of Kansas City (FRB) where he participated in and led many district and system-wide initiatives in a variety of administrative and operational areas. Jeff currently leads and participates in various client engagements, including strategic planning, enterprise risk management implementation and support and merger-related projects. Jeff’s broad-based experience, analytical focus and passion for credit unions allow him to bring significant value to those he works with.

 

Jeff received a Bachelor of Science degree in both Management and Marketing, as well as a Master of Business Administration degree from Northwest Missouri State University.

James L. This

James L. This, PhD, President/CEO

James L. This and Associates

James This is a nationally recognized consultant, facilitator and trainer in the areas of strategic planning, leadership development, interpersonal communication and marketing. Jim is one of the principals of James L. This and Associates. He is probably best known as a founding partner of The Paragon Group – one of the most respected consulting firms in the credit union industry. Through these companies, Jim has helped credit unions for over twenty-five years.

 

Jim’s specialties include strategic planning, executive recruitment, leadership development and executive assessment. He is a frequent speaker at industry conferences and schools and one of the creators of the Volunteer Leadership Institute. The Institute is the premiere source of continuing education for credit union volunteers.

 

Jim earned his BA from Wake Forest University and his Ph.D. from the University of Southern California. He holds the title of Senior Professional in Human Resources from the Society for Human Resource Management.

 

Jim’s career has found him in three arenas—financial services, teaching and management consulting. During his long association with the Washington State Employees Credit Union he held key positions as Marketing Manager and Executive Vice President. He has taught at the University of Southern California, the University of Texas, Permian Basin, St. Martin’s College, South Puget Sound Community College and The Evergreen State College.

 

Jim is an avid golfer and proud grandfather.

Gigi Hyland

Gigi Hyland, Executive Director

National Credit Union Foundation

Ms. Hyland serves as the Executive Director for the National Credit Union Foundation (the Foundation), the philanthropic and social responsibility leader of America's credit union movement. The Foundation raises funds, makes grants, manages programs, and provides education empowering consumers to achieve financial freedom through credit unions.

 

Donations to the Foundation enable credit unions to help their members reach life-changing goals. Through the Foundation’s grants and programs, credit unions create greater access to affordable financial services, provide widespread financial education, and empower more consumers to save, build assets, and own homes.

 

Prior to her work with the Foundation, Ms. Hyland served as a Board member of the National Credit Union Administration (NCUA), the independent federal agency created by the U.S. Congress to regulate, charter and supervise federal credit unions. With the backing of the full faith and credit of the U.S. Government, NCUA operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of nearly 94 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.

 

During her seven-year tenure on the NCUA Board, Ms. Hyland spearheaded a number of key initiatives including co-authoring a policy white paper on supplemental capital and a report on credit unions’ outreach to people of modest means. She also directed the translation of NCUA’s consumer facing website, MyCreditUnion.gov, into Spanish. During the financial crisis of 2008-2010, she provided strategic leadership, policy direction and execution of extraordinary initiatives and regulatory changes to respond to the failure of the four largest corporate (wholesale) credit unions. An innovator and strategic thinker, Ms. Hyland initiated the use of webinar technology at NCUA and fostered direct communication with examiners and regional offices at the agency to assure alignment of policy decisions and examination practice.

 

Ms. Hyland served as NCUA’s representative on the NeighborWorks® America Board of Directors. NeighborWorks® America is one of the country’s preeminent leaders in affordable housing and community development She served as Chairman of the Board, Chair of the Corporate Administration Committee, Chair of the CEO Search Committee and a member of the Audit Committee. She also served as the NCUA Board liaison to the World Council of Credit Unions (WOCCU), the National Association of State Charted Union Supervisors and the International Credit Union Regulators’ Network.

 

Prior to joining the NCUA Board, Ms. Hyland's career spanned fourteen years serving the credit union community as an executive, attorney and advocate. She served as SVP, General Counsel for Empire Corporate FCU in Albany, NY, VP, Corporate Credit Union Relations at the Credit Union National Association; and Managing Partner of the family law firm, Hyland and Hyland. A graduate of the College of William and Mary with a B.A. in comparative literature, Ms. Hyland also earned her J.D. from George Mason University School of Law and an Advanced Diploma in International Law from McGeorge School of Law. Hyland also earned her Credit Union Development Educator (CUDE) designation in 1994.

Lucy Ito

Lucy Ito, President & CEO

National Association of State Credit Union Supervisors

Lucy Ito is president and CEO of the National Association of State Credit Union Supervisors (NASCUS)—the voice for the state credit union system. NASCUS fosters a unique working collaboration between state credit union regulators and credit union practitioners. NASCUS advocates for a robust dual charter credit union system that mutually and equitably benefits both state and federally chartered credit unions. Ultimately, NASCUS works to advance the personal finance interests of American families and businesses by not only maintaining the safety and soundness of credit unions but by also preserving credit unions as a competitive option for consumers and enabling credit unions to respond to state and community needs.

 

Ms. Ito previously served as executive vice president and chief operations officer of the California and Nevada Credit Union Leagues (CCUL/NCUL). She also formerly served as senior vice president of the World Council of Credit Unions (WOCCU), where she worked on technical programs and legislative and regulatory issues primarily in Central and Eastern Europe, Asia and the Pacific.

 

Ms. Ito earned a B.A. in economics and Asian studies from the University of California-Berkeley and an M.A. in linguistics from the University of Wisconsin-Madison. Her post-graduate work includes research as a Regents’ Fellow at the University of California-Santa Cruz and she is a graduate of the CUES Advanced Leadership Institute at Harvard Business School.

Roger Jones

Roger Jones, Partner

Hauser Jones and SAS PLLC

Roger has been auditing credit unions and CUSO organizations for more than 25 years; he has tenured at several national CPA firms since the beginning of his career in 1988. As a recognized Credit Union expert, Roger is a frequent presenter at firm sponsored events, at financial literacy training sessions, CUES round table meetings, and the NWCUA annual convention. Roger serves on the Financial Institutions Niche Steering Committee for CPA Associates International and on the audit and accounting task force. He has completed hundreds of internal control evaluations in a variety of scenarios and is instrumental in teaching and coaching our team, providing technical insight and counsel to clients. Roger also conducts education and training sessions to executives and volunteers on topics ranging from managing Interest Rate Risk to implementation of FASB’s new “Current Expected Credit Loss” accounting model.

Dennis Tanimoto

Dennis Tanimoto, President/CEO

Hawaii Credit Union League

Dennis Tanimoto has been president and chief executive officer of Hawaii Credit Union League (HCUL) and its wholly-owned subsidiary, HCU Services Corporation, since July 1992. HCUL is a trade association representing the interests of 77 credit unions domiciled in Hawaii and two credit unions domiciled in Guam. HCUL is affiliated with the Credit Union National Association (CUNA).

 

Prior to joining HCUL, Dennis was an officer at two community banks in Hawaii for 19 years. He spent most of those years in various lending and administrative capacities – including vice president and manager of the residential mortgage loan department, vice president and corporate loan officer, vice president and consumer loan administrator, as well as assistant vice president and executive assistant to the chief executive officer (heading the bank’s management by objectives program). He was also a member of Hawaii Bankers Association’s legislative committee.

 

Dennis is one of four people in Hawaii who holds a Certified Association Executive professional designation conferred by the American Society of Association Executives. He received his bachelor of business administration and executive master of business administration degrees from the University of Hawaii at Manoa, and is a life member of Beta Gamma Sigma (international honor society of accredited business colleges). He is also a graduate of the Pacific Coast Banking School at the University of Washington, and earned all three certificates then offered by the American Institute of Banking.

 

Active in industry, association, and community affairs, Dennis currently represents HCUL as a leader in numerous nonprofit organizations, including: member of the CUNA corporate governance committee; member of the American Association of Credit Union Leagues system advocacy effectiveness task force; member of the board of directors of HEDCO Local Development Corporation (a Honolulu-based certified development company that grants loans to small businesses in Hawaii and Guam under the U.S. Small Business Administration 504 loan program); director and past president of Aloha Society of Association Executives; as well as a member of Trade Association Executives of Honolulu. Additionally, he serves as a chairman of the Aloha United Way poverty prevention impact council and member of its community impact committee. Dennis is also a director and past president of United Cerebral Palsy Association of Hawaii, and director and past president of Susannah Wesley Community Center. He has been recognized as an inductee in the 2008 edition of Who’s Who in America’s Credit Unions, as a senator (highest honor) of Junior Chamber International, and as an ambassador (highest honor) of the United States Junior Chamber.

 

His hobbies and interests include collecting vintage and limited edition fountain pens, fine wristwatches, and German automobiles. Dennis resides in Honolulu with his wife Dale, and has two adult children and two grandchildren.

Tom Davis

Tom Davis, Senior Vice President

Finance & Technology, Card Services for Credit Unions

Tom Davis joined CSCU in 2004 and today wears many hats. He is a highly-respected executive and tireless evangelist on new payment technologies and innovations and how they will positively impact the success and growth of credit unions. Along with being a visionary with at least one eye always on the horizon, Tom oversees CSCU's finance & accounting, internal product development, and technology functions.

 

Tom came to CSCU from Software Architects where he managed several large software development projects in multiple industries including financial services. Tom provides 25 years of product development, financial, accounting, software development, system design, and project management experience. He also sits on the #CULedger Technical Committee, CUNA Payments Sub Committee and the Federal Reserve Faster Payments Task Force.

 

A graduate from Missouri State University with degrees in accounting and finance, Tom later received his M.B.A. from the University of South Florida where he graduated with honors and became a member of the Phi Kappa Phi honors fraternity. Tom has held several certifications in software development and system design as well as achieving his Project Management Professional (PMP) certification.

Tony Ferris

Tony Ferris, CEO

Rochdale Paragon Group & apogee iQ™

Have you ever uttered the phrase, ‘hindsight is 20/20’ in response to an unexpected result within your work? As a financial industry consulting expert, Tony Ferris enjoys guiding C-Suite professionals to identify the unseen, implement the difficult, and create sustainable solutions to maximize results. His clients describe him as a “revolutionist.” They appreciate that unlike other consultants, he doesn’t just offer ideas but honest (often hard to hear) truths and solutions by truly partnering with leaders and organizations alike to bring about positive disruption in the status quo, creating opportunities for competitive advantage, rather than merely reacting to what others in the industry are doing.

 

Blending over 20 years of experience working with financial institutions and his natural change-embracing skills, Tony helps leaders truly evolve in the way they think, strategize, and govern. To that end, Tony and the Rochdale Paragon Group has led the charge on defining the business processes around governance, risk and assurance disciplines to formalize how organizations make better decisions and focus on the critical tasks. The Rochdale Paragon Group provides the culture and framework to both preserve and create organizational value by de-biasing decisions, delivering focus on the most important opportunities and obstacles, and assuring compliance while minimizing administrative expense.

Jeff Owen

Jeff Owen, COO

Rochdale Paragon Group
Chief Sales Officer, apogee iQ™

Jeff has worked at The Rochdale Group (Rochdale) since 2006. He has over 16 years of experience in the financial services arena. Prior to Rochdale, Jeff worked at the Federal Reserve Bank of Kansas City (FRB) where he participated in and led many district and system-wide initiatives in a variety of administrative and operational areas. Jeff currently leads and participates in various client engagements, including strategic planning, enterprise risk management implementation and support and merger-related projects. Jeff’s broad-based experience, analytical focus and passion for credit unions allow him to bring significant value to those he works with.

 

Jeff received a Bachelor of Science degree in both Management and Marketing, as well as a Master of Business Administration degree from Northwest Missouri State University.

James L. This

James L. This, PhD, President/CEO

James L. This and Associates

James This is a nationally recognized consultant, facilitator and trainer in the areas of strategic planning, leadership development, interpersonal communication and marketing. Jim is one of the principals of James L. This and Associates. He is probably best known as a founding partner of The Paragon Group – one of the most respected consulting firms in the credit union industry. Through these companies, Jim has helped credit unions for over twenty-five years.

 

Jim’s specialties include strategic planning, executive recruitment, leadership development and executive assessment. He is a frequent speaker at industry conferences and schools and one of the creators of the Volunteer Leadership Institute. The Institute is the premiere source of continuing education for credit union volunteers.

 

Jim earned his BA from Wake Forest University and his Ph.D. from the University of Southern California. He holds the title of Senior Professional in Human Resources from the Society for Human Resource Management.

 

Jim’s career has found him in three arenas—financial services, teaching and management consulting. During his long association with the Washington State Employees Credit Union he held key positions as Marketing Manager and Executive Vice President. He has taught at the University of Southern California, the University of Texas, Permian Basin, St. Martin’s College, South Puget Sound Community College and The Evergreen State College.

 

Jim is an avid golfer and proud grandfather.

Roger Jones

Roger Jones, Partner

Hauser Jones and SAS PLLC

Roger has been auditing credit unions and CUSO organizations for more than 25 years; he has tenured at several national CPA firms since the beginning of his career in 1988. As a recognized Credit Union expert, Roger is a frequent presenter at firm sponsored events, at financial literacy training sessions, CUES round table meetings, and the NWCUA annual convention. Roger serves on the Financial Institutions Niche Steering Committee for CPA Associates International and on the audit and accounting task force. He has completed hundreds of internal control evaluations in a variety of scenarios and is instrumental in teaching and coaching our team, providing technical insight and counsel to clients. Roger also conducts education and training sessions to executives and volunteers on topics ranging from managing Interest Rate Risk to implementation of FASB’s new “Current Expected Credit Loss” accounting model.

Byron Gangnes

Byron Gangnes, Professor of Economics

University of Hawaii at Manoa

Byron Gangnes is Professor of Economics at the University of Hawaii at Manoa, and Senior Research Fellow with UHERO. He specializes in international macroeconomics and forecasting and is also a leading authority on the economy of Hawaii.

 

Byron earned his Bachelor’s degree from the University of Puget Sound and a Doctorate from the University of Pennsylvania. He has held visiting appointments at a number of prestigious institutions and is an affiliated researcher with Project LINK, the United Nations macroeconomic forecasting program.

 

He has written extensively on economic policy issues affecting the U.S. and Asian economies. Recent articles study the impact of aging on global patterns of trade and finance, the effectiveness of US economic stimulus programs, and the implications of global value chain production arrangements.

 

For his numerous outreach activities, Byron was awarded the Hung Wo and Elizabeth Lau Ching Award for Faculty Service to the Community. He is the recipient of a College of Social Sciences Excellence in Teaching Award, and is an alumni member of Phi Beta Kappa. He has served as Chairman of the Board of Directors of St. Francis School, Honolulu.

 

Byron and his wife, Hilary, live in Honolulu. They have two adult daughters living on the U.S. mainland.

James R. Devine

James R. Devine, Chairman & CEO

Hipereon, Inc.

Jim Devine co-founded Hipereon, Inc. in 1999. Prior to starting Hipereon, Inc., he served as a senior consultant with Moss Adams Advisory Services with special focus on financial management, strategic planning and ownership transition training for financial institutions and businesses. He has trained thousands of lenders, business owners and accountants throughout the U.S. and abroad. For more than 30 years, Jim has been active in managing, financing, and buying and selling closely held businesses.

 

Prior to joining MAAS, he was Manager of Acquisitions for DLW Enterprises, Inc., and served as CEO of two manufacturing businesses. He also served ten years with Seattle First National Bank as Vice President, as well as Manager of the bank’s Trust Business Management Services and Business Advisory Services Departments.

 

He served as a faculty chair at the Stonier Graduate School of Banking in Philadelphia and as a faculty member at the National Graduate Trust School at Northwestern University and the Graduate Banking School at the University of Wisconsin. Jim is the co-creator and served as a lead faculty member for the prestigious California Bankers Association Commercial Lending School and the Oregon Bankers Lending Institute. He is also a co-creator and lead faculty member for CUES School of Business Lending which provides business credit training to credit union staff members on a national basis.

 

Jim co-authored Risk Management Associates (RMA), "Understanding Your Small Business Customer" training series and facilitated their national small business round tables on managing business banking practices. He has conducted numerous consulting assignments for financial institutions dealing with managing and implementing business banking practices. Further, he has been a featured speaker at conferences sponsored by numerous national banking organizations, business groups, and trade associations.

 

Jim holds a BA in Business Administration from the University of Montana and a MBA from Southern Illinois University. He is a member of Beta Gamma Sigma, a national scholastic honorary society for business school graduates.

François G. Henriquez, II

François G. Henriquez, II, Partner

Shutts & Bowen, LLP

François Henriquez is a partner in the Miami office of Shutts & Bowen, LLP, where he is a member of the Financial Services Industry Practice Group, practicing primarily in the group’s Credit Union Law Section.

 

Prior to joining Shutts & Bowen, Mr. Henriquez served as the President and CEO of U.S. Central Federal Credit Union, where he operated the institution in conservatorship on behalf of the federal government. Previously, he was U.S. Central’s senior vice president and general counsel.

 

From September 1982 until November 1993, Mr. Henriquez was engaged in private legal practice in law firms in New York City and Kansas City. A graduate of Yale University and Columbia Law School, Mr. Henriquez has also taught banking law as an adjunct professor at the University of Kansas Law School.

 

Mr. Henriquez has authored numerous articles on financial institution regulation as well as on various corporate legal matters. He is a frequent speaker on financial institution regulatory matters, capitalization strategies, corporate governance, and other corporate legal issues.

Michael Hanson

Michael Hanson, President & CEO

Massachusetts Credit Union Share Insurance

Michael C. Hanson is the President and Chief Executive Officer of the Massachusetts Credit Union Share Insurance Corporation (MSIC). He previously served as the corporation’s General Counsel for twelve years. MSIC insures excess shares and deposits held by credit unions operating in Massachusetts. Founded by a special act of the Massachusetts Legislature in 1961, MSIC today insures over $780 million in shares and deposits for Massachusetts consumers at 85 member credit unions. MSIC insured member credit unions hold over $18 billion in total assets and serve over 1.5 million consumers.

 

Mr. Hanson is also the Principal of Hanson Associates, a firm which provides legal and consulting services to the financial services industry. He has extensive experience in regulatory, corporate, securities and loan workout matters, and has advised banking, credit union and mortgage company clients with respect to the full range of regulatory compliance and corporate matters. He has practiced extensively before the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the National Credit Union Administration, along with other state and federal regulatory agencies.

 

Mr. Hanson was previously a full partner in a major Boston law firm before founding Hanson Associates in 1996. From 1991 to 1992 he served as Massachusetts Commissioner of Banks, during the height of the New England Banking crisis. As Commissioner, Mr. Hanson worked closely with Massachusetts Governor Bill Weld, Lt. Governor Paul Cellucci and the New England Congressional Delegation, and is credited with developing regulatory and public relations strategies which greatly assisted Massachusetts.

 

In 2006, Mr. Hanson was appointed by former Massachusetts Governor Mitt Romney to serve as a member of the Massachusetts Public Health Council. The eight-member Public Health Council and the Commissioner of Public Health constituted the Department of Public Health under Massachusetts law. During this period, the Public Health Council addressed a number of major concerns, including issues relating to universal health insurance coverage and pandemic preparation.

 

Mr. Hanson is a member of the Boston Economic Club and the Boston Committee on Foreign Relations. He previously served as a Director of a de novo bank in Springfield, Massachusetts, and a member of the Board of Directors of the American Red Cross of Central Massachusetts.

 

He is a frequent lecturer on economic, banking and credit union matters, and regularly facilitates strategic planning sessions for community financial institutions. In September 2010, he chaired a panel on the Dodd-Frank Wall Street Reform and Consumer Protection Act for Massachusetts Continuing Legal Education, Inc. (MCLE).

 

Mr. Hanson is a graduate of Dartmouth College and Harvard Law School. He also holds a Postgraduate Diploma in Organizational Leadership from the Saïd Business School at Oxford University.

Doreen Welsh

Doreen Welsh

Miracle on the Hudson crew member

When US Airways Flight 1549 crash-landed into New York’s Hudson River in 2010, Doreen Welsh thought that her life was over. Doreen had been working as a flight attendant for 38 years and says that she`s had some interesting incidents in her career, but none like the experience that was to become known as the "Miracle on the Hudson."

 

There were 150 passengers, the pilot, Chesley "Sully" Sullenberger, co-pilot, Jeff Skiles, and three flight attendants, including 58-year-old Welsh, on board when the plane went down in the Hudson.

 

About a minute after take-off those on board felt as if the plane hit something. That something happened to be birds—big birds—which took out both of the airliner’s two engines.

 

Doreen, working the back section of the airplane, thought they were just going to circle around and land, having made quick returns to the airport a number of times in the past. Instead, as she fastened her safety belt, she heard the three words for which she had trained for 38 years, but words she thought she would never hear in her entire career, "BRACE FOR IMPACT!" Doreen had 90 seconds until impact! Ninety seconds in which she knew instinctively would be her last in this world. The world was in slow motion as the pilot had to land the plane on the frigid Hudson River.

 

Landing tail section first, the aft end of the airplane struck the water particularly hard. “It felt like we hit something. People up front said it was like a hard landing but it felt like a crash to me. It was very violent in the rear of the airplane.” A hole was torn in the bottom of the aircraft 18 inches from Doreen's seat and metal twisted in to her leg.

 

That’s when the masks dropped and things flew from the aft galley, some hitting Doreen. The scene was surreal. After coming to a stop in the water, passengers rushed back toward Doreen to get to the aft doors. These exits were unusable as they were below the Hudson water. Doreen had to stop one woman who was frantically trying to open a door. With icy water rising quickly from a hole torn in the tail, Doreen had the difficult job of turning the confused passengers around and directing them to the wing exits. She told passengers to climb over their seats and keep the aisle free for those who can’t climb. “Get to the windows! Get to the windows!” she commanded, as water continued to pour into the aft section of the airplane. Although she didn’t realize it at the time due to an adrenaline rush, the left leg of this 38-year veteran of the skies had been penetrated by a 12 inch piece of angle iron. Up to her chin in frigid water at this point, Doreen pushed a few lagging passengers over the back seats and made her way forward to the emergency wing exits, where she was astonished to find passengers standing on the wings. “I didn’t know the entire airplane wasn’t filling up with water like my part of the plane was,” she said. “I thought I might actually live through this.”

 

It wasn’t until her aft passengers were safely off the plane that she realized her leg was injured and that blood was coming from her mouth – “I bit my tongue on impact,” she said.

 

Pulling herself to the front of the plane, bruised, battered, pants ripped, leg bleeding, mouth bleeding, completely drenched and with a post-crash hairdo, she found the other two flight attendants dry and perfectly groomed. “Everything was calm up front,” said Doreen. “It was as if there had been two entirely different accidents.”