The 2016 Banking Outlook Conference will be streamed live. To watch the video, use this link: http://www.ustream.tv/channel/federal-reserve-bank-of-atlanta

Speaker Biographies

J. Randolph Bryan serves as the chief risk officer for IBERIABANK. He leads the firm's risk management division, which includes the credit, compliance, loan review, and other functions. Previously, Bryan was chief operating officer for First Southern Bancorp in Boca Raton, Florida. In 2009, he teamed with former colleagues to assess opportunities associated with the financial crisis and escalating bank failures, conducting extensive research and discussions with various sell-side analysts, investment bankers, industry leaders, federal regulators, and private equity and hedge fund managers. Bryan also was executive vice president for the sales arena at Capital One Bank, a division formed in 2005 through Capital One's acquisition of Hibernia National Bank that handled marketing and delivery channel management, national direct banking, customer experience, corporate communications, and public relations. He is a graduate of the general management program at Harvard University and received a bachelor's degree from the University of Virginia's McIntire School of Commerce.

Hugh Dailey has served as president and chief executive officer of Community Bank & Trust of Florida since 1997. Previously, he was senior vice president of agricultural lending for SunTrust Bank for North Central Florida. Dailey is a director of the Independent Community Bankers Association and member of the board of directors of the Atlanta Fed's Jacksonville Branch. He has held numerous positions with the Florida Bankers Association, including president of the leadership division, chairman of the educational foundation, and the 2009 annual convention chairman. He earned a bachelor's degree from the University of Florida and is a graduate of Clemson University's Southeastern Agricultural Lending School, the University of Florida's School of Banking, Louisiana State University's Graduate School of Banking of the South, and the Louisiana State University/Sheshunoff Professional Masters of Banking Program.

Jim Edwards is chief executive officer of United Bank Corporation, a community bank operating 17 locations in Central Georgia. United Bank traces its roots to the founding of the Bank of Zebulon over 100 years ago, and Edwards is proud to be part of the third generation of his family running the company. In addition to providing traditional banking services, United Bank operates a large mortgage origination and servicing business as well as an investment and trust business with over $400 million in assets under management. Edwards currently represents Georgia on the American Bankers Association's Community Bankers Council. He currently serves as vice chairman of Upson Regional Medical Center. Edwards received a bachelor's degree from Emory University and a master of business administration from the University of Virginia. He also is a graduate of the Stonier Graduate School of Banking.

Kevin Hagler is the commissioner of the Georgia Department of Banking and Finance appointed by Gov. Nathan Deal effective July 1, 2013. Prior to that appointment, Hagler was deputy commissioner for supervision since August 1, 2008, where he was directly responsible for oversight of state-chartered banks and trust companies, state-chartered credit unions, and bank holding companies and foreign banking organizations conducting business in Georgia. He began with the department as an assistant financial examiner in 1997. Hagler started his career by working for Altus Bank before taking a position with The Bank of Mobile. He also worked for Trust Company Bank (SunTrust Bank). Hagler has served on the board of the Conference of State Bank Supervisors, is chairman of the Emerging Payments Task Force, and serves on the Nondepository Supervision Governance Task Force. He is a graduate of Auburn University with a degree in Finance and is a certified examination manager.

Oscar Harvey has been with Office of the Comptroller of the Currency for 29 years and is currently an associate deputy comptroller for the Southern District. He started with the OCC in 1986 and became a commissioned national bank examiner in January 1990. He has held various other positions with the OCC that include field examiner in St. Louis and Kansas City, Missouri, assistant to the ombudsman, and senior advisor for bank supervision in the Southern District. Harvey is a graduate of the University of Arizona and worked in the consumer finance industry and as a loan officer in a community bank prior to joining the OCC.

Javier Hernandez is chief risk officer of BBVA Compass and BBVA USA. He is responsible for the development and implementation of the enterprise risk management program and its integration in the day-to-day management of BBVA's U.S. operations. Having joined BBVA Group in 1999, Hernandez is a member of the BBVA Compass management committee, the BBVA USA operations committee and the BBVA Group's global risk management committee. He has been responsible for enterprise risk management and Basel II implementation for BBVA worldwide. He has also held banking roles at Bank of Spain and Banco Santander. He earned an undergraduate degree in economics from Universidad Complutense de Madrid, and a master's degree in financial markets at Universidad Autonoma de Madrid.

Michael Johnson is an executive vice president in the supervision and regulation division of the Federal Reserve Bank of Atlanta. He oversees the Sixth District's supervision of state member banks, bank and financial holding companies, and U.S. branches and agencies of foreign banking operations. Having spent his entire career with the Federal Reserve System, Johnson has held a number of leadership roles within banking supervision, including senior vice president at the Atlanta Fed and vice president and managing director of the large institutions group at the San Francisco Fed. He began his career at the Dallas Fed, where he spent 10 years in bank supervision. In addition to his Atlanta Fed responsibilities, Johnson serves on the System's Supervision Committee and as co-chair of the Large Banking Organizations Management Group. A Texas native, Johnson earned bachelor's degrees in economics and business administration from the University of Texas at Austin.

John Kolb is a vice president in the supervision and regulation (S&R) division at the Federal Reserve Bank of Atlanta, based in the Birmingham Branch. He directs the work of the risk management and analysis group and leads the division's risk council. Previously, Kolb was an assistant vice president in S&R with primary responsibility for capital, credit, market, and liquidity risk management. Since joining the Bank in 2000, he has served as directing examiner, senior capital markets specialist, large bank central point of contact (examiner-in-charge), and director of capital markets. Before joining the Federal Reserve, Kolb was a national bank examiner with the Office of the Comptroller of the Currency. Kolb's financial industry experience includes roles at community, regional, and multinational institutions. Kolb graduated from the University of Southern Mississippi with a degree in finance and holds the Chartered Financial Analyst (CFA) designation. He has also completed executive development programs at Harvard Business School and the University of Pennsylvania's Wharton School.

Chris Kuehl is the co-founder and managing director of Armada Corporate Intelligence, a company that provides strategy foundation, competitive intelligence, business analysis and economic forecasting for corporate clients. Armada's clients include YRC Worldwide, KPMG, Hallmark International, and Weitz Industrial. Kuehl is the editor and primary writer for several publications including Business Intelligence Briefs, Strategic Intelligence Briefs, and Fabrinomics. He is a frequent commentator in local and national media locally. He holds a master's degrees in Soviet and East European Studies as well as East Asian Studies and a PhD in political economics from the University of Kansas. He has been on the faculty of universities in the United States, Hungary, Estonia, Russia, Singapore, and Taiwan.

Dennis P. Lockhart is the 14th president and chief executive officer of the Federal Reserve Bank of Atlanta. He is responsible for all the Bank's activities, including monetary policy, bank supervision and regulation, and payment services. He also serves on the Federal Reserve's chief monetary policy body, the Federal Open Market Committee. From 2003 to 2007, Lockhart was on the faculty of Georgetown University's School of Foreign Service. He also was an adjunct professor at Johns Hopkins University's School of Advanced International Studies. From 2002 to 2007, he served as chairman of the Small Enterprise Assistance Funds, a sponsor/operator of emerging markets venture capital/private equity funds. Lockhart also was managing partner at the private equity firm Zephyr Management LP, based in New York. Earlier in his career, Lockhart was president of Heller International Group, which had activities in commercial finance and merchant banking in Europe, Latin America, and Asia. In 2000, he served as chairman of the advisory committee of the U.S. Export-Import Bank. Lockhart earned a bachelor's degree in political science and economics from Stanford University and a master's degree in international economics and American foreign policy from the Johns Hopkins University School of Advanced International Studies. He also attended the senior executive program at MIT's Sloan School of Management.

Drake Mills is chairman, president, and chief executive officer of Origin Bancorp, a bank holding company with over $3.5 billion in assets which operates in the Dallas-Fort Worth area, Houston, north Louisiana, and Mississippi. Under his leadership, Origin Bancorp's assets have grown to $3.5 billion from $200 million, primarily through organic growth. Mills served on the Community Depository Institutions Advisory Council to the Federal Reserve Bank of Dallas from 2011 to 2014. Mills earned a bachelor's of science degree in finance from Louisiana Tech University. He also graduated from the Graduate School of Banking of the South in Baton Rouge and the Graduate School of Banking of the South's Professional Master of Banking Program in Austin, Texas.

Greg Olivier is the chief risk and credit officer for USAmeribank, a $3.5 billion community bank in Tampa, Florida, with ancillary operations in Alabama. He has been in the banking industry for 30 years. In more than 17 years with First Union/Wachovia, he worked as a commercial lender before moving to the credit side, eventually coordinating the underwriting job family for the corporation, then serving as chief risk officer for its business banking segment. Olivier then joined First Horizon/First Tennessee and became chief credit officer in June 2007, at the advent of the credit crisis. He spent the next three years winding down a national construction lending operation, rehabilitating a loan portfolio, and resetting a credit culture. In June 2010, he became chief credit and risk officer with First Southern Bank, a super-capitalized community bank which purchased failed banks from the FDIC. Olivier received his bachelor's degree and MBA from the University of Georgia.

H. Watts Steger III is chairman, president and chief executive officer of Botetourt Bankshares Inc. During his career, Botetourt's assets have grown from $20 million to over $300 million. Steger serves on the boards of the Virginia Bankers Association Benefits Board, the Virginia Bankers Association Educational Foundation, and the Roanoke Regional Chamber of Commerce. He earned a bachelor's of science degree from Hampden-Sydney College. Steger is also a graduate of the Virginia Bankers School of Bank Management at University of Virginia and the Graduate School of Banking of the South at Louisiana State University. He currently serves on the teaching faculty of both schools.

Joanne Wakim is the chief accountant of the Federal Reserve Board's Division of Banking Supervision and Regulation. Her responsibilities include advising the Federal Reserve governors and senior Board staff on the implications of accounting, auditing, and reporting issues facing the banking industry. She is the senior Federal Reserve Board official responsible for the development of policy positions on domestic and international accounting, auditing, reporting, disclosure, and related internal control issues affecting the banking industry. She also oversees the Federal Reserve Board's policy implementation effectiveness function and represents the Federal Reserve Board on various subgroups of the Basel Committee on Banking Supervision. Wakim previously worked at the Office of Thrift Supervision and Financial Accounting Standards Board. Wakim is a Certified Public Accountant and holds a bachelor's in accounting from Clemson University.

Lee Wetherington is a director of strategic insight for ProfitStars, a division of Jack Henry & Associates. He directs the development of insight and strategy for the financial services industry, creating programs, presentations, and articles designed to orient and educate executives on the trends and implications of new technologies. Wetherington routinely delivers keynotes nationwide focusing on opportunities and challenges in payments and the online/mobile/social channels. He has served as technology faculty chair for several graduate schools of banking and finance, and has delivered guest lectures on leadership and technology at universities nationwide. His articles and commentary have been published in American Banker, Banking Strategies, Bank Marketing, and Independent Banker. Wetherington received bachelor's degrees in economics and English from Duke University and completed graduate studies at Emory University. He also earned the distinguished accredited ACH professional certification from the National Automated Clearinghouse Association.