Titi Cole

SVP, Retail Banking Product Management & Delivery

Harris N.A.

Titi Cole is currently Senior Vice-President of Retail banking Product Management and Delivery at Harris N.A

Hugh H. Gallagher

Senior Vice President

SunTrust Banks, Inc.

Hugh Gallagher is responsible for SunTrust’s Enterprise Payments Strategy and Retail Deposit Product Management organizations.

Michael L. Lindsey

Senior Vice President and Head of the Retail Banking Division

BancorpSouth

Michael Lindsey is senior vice president and head of the Retail Banking Division for BancorpSouth, headquartered in Tupelo, Mississippi. BancorpSouth, Inc. is a $13.5 billion-asset financial holding company. The company operates approximately 315 banking and insurance locations in Alabama, Arkansas, Florida, Illinois, Louisiana, Mississippi, Missouri, Tennessee and Texas.

Sherief Meleis

Managing Director

Novantas

Sherief is a Managing Director with Novantas in the New York office and is the head of Novantas' Retail Banking practice. He has been a consultant to financial institutions for fifteen years. He has served leading financial institutions in North America, Asia, Europe and the Middle East across every financial services line of business, with particular emphasis in consumer banking, small business banking, brokerage, and investments. Sherief focuses on business strategy development, product development, analytic pricing and data-driven marketing. Prior to Novantas he was a Senior Consultant with First Manhattan Consulting Group.

Theo Moumtzidis

Managing Vice President

FMCG

Theo Moumtzidis is a managing vice president of FMCG and a leader in the firm’s Retail Banking Practice.

Over his 16 years of consulting, Theo has advised banks, finance companies, investment banks, credit card issuers, and private equity funds in the U.S., Europe, and Australia/New Zealand.  His engagements have ranged from corporate and business unit strategy, service management, new product development, organizational design, and operations, to small business banking strategy, consumer debt collections, and post merger integration.

Nick Miller

Nick Miller

Clarity Advantage

Nick Miller, Founder and President of Clarity Advantage Corporation, helps banks sell to small and medium-sized companies by improving how they target customers, define and articulate value propositions, design and implement branded sales processes, and manage sales. His consulting clients have included community, regional, and superregional banks in the US and major banks in Canada.

Christy Schmitt

Senior Vice President, Small Business Manager

Union Bank of California

As the Small Business Manager for Union Bank of California, Christy Schmitt supports sales and delivery of small business products and services for the Bank's retail branches. In addition, she oversees Bank's Diverse Business Services, Alliance Partnerships, Outbound Sales Center and Retail Global Trade program.

Betty Rengifo Tucker

Executive Vice President for Retail Banking Operations

Comerica Bank Inc.

Betty Rengifo Tucker is Executive Vice President for Retail Banking Operation in the Western Market.

During her nineteen-year career in Financial Services, Rengifo Tucker has held senior level positions in Retail, Business Banking, and Strategic Planning. She is responsible for overseeing the retail banking centers network and operations for Comerica Bank within two states: California and Arizona.

Terry Zink

Executive Vice President, Affiliate Administration

Fifth Third Bancorp

President and CEO

Fifth Third Bank Chicago

Terry Zink is executive vice president of affiliate administration for Fifth Third Bancorp while maintaining his duties as president and chief executive officer of Fifth Third Bank Chicago, one of the fastest growing affiliates in the Fifth Third Bancorp network. He joined the company in January 2005 after serving nearly 17 years with Wells Fargo & Company. His most recent position was executive vice president/region president of Wells Fargo Bank, Nebraska.

Mark Sievewright

Corporate Senior Vice President

Fiserv, Inc.

Mark has been quoted extensively in the financial press and is a renowned keynote speaker and chairperson at financial services events and conferences around the world. He has chaired the US Branch Banking Conference since its inception.