2022 Banking Outlook Conference: Banking on Success in a Digital Era - February 24, 2022
Federal Reserve Bank of Atlanta
1000 Peachtree Street N.E.
Atlanta, GA 30309
February 24, 2022
Mike Allen serves as executive vice president, Area Credit Executive at Cadence Bank, providing credit support to the Georgia and Florida regions of the newly merged company. Before the October 2021 merger with Bancorp South, he served as EVP, director of Real Estate Credit Risk for Cadence Bank. Prior to the January 2019 merger with Cadence Bank, Allen served as EVP, senior credit officer and director of Special Assets Division of State Bank and Trust Company in Atlanta. His banking experience spans 42 years in capacities including retail, consumer, commercial, special asset remediation, and credit. He is a member of the faculty at the University of Georgia Banking School and the Graduate School of Banking at Louisiana State University, where he teaches Troubled Asset Resolution. He is a 1991 graduate of the school and was the 2017 recipient of the T. Eugene Spragens President's Award, presented annually to an outstanding faculty member.
André Anderson is first vice president and chief operating officer of the Federal Reserve Bank of Atlanta, a position he assumed in July 2018. He oversees the day-to-day operations of the Atlanta Fed, including all operating and support activities at the corporate headquarters in Atlanta and at the branch offices in Birmingham, Jacksonville, Miami, Nashville, and New Orleans. He is also vice chair of the Bank's Executive Leadership Committee and a member of the Discount Committee, which reviews district discount window lending, and is a retail payments product director for the Federal Reserve System. Anderson has served in numerous leadership roles in the Sixth District and at the Federal Reserve System level, including an 11-month interchange assignment with the Board of Governors, where he served as deputy director of the Reserve Bank. He holds a bachelor's degree in corporate finance from the University of Alabama. He also completed the executive development program at Cornell University.
Dr. Raphael W. Bostic took office June 5, 2017, as the 15th 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. From 2012 to 2017, Bostic was the Judith and John Bedrosian Chair in Governance and the Public Enterprise at the Sol Price School of Public Policy at the University of Southern California. From 2009 to 2012, Bostic was the assistant secretary for policy development and research at the U.S. Department of Housing and Urban Development (HUD). Bostic worked at the Federal Reserve Board of Governors from 1995 to 2001, first as an economist and then a senior. He served as special assistant to HUD's assistant secretary of policy development and research in 1999. He was also a professional lecturer at American University in 1998. He graduated from Harvard University in 1987 with a combined major in economics and psychology. He earned his doctorate in economics from Stanford University in 1995.
Nelson Cook is a Certified Examinations Manager and is the Community Bank Division Manager for the Alabama State Banking Department. In this role he oversees the examination program of all state-chartered community banks in the State. He also oversees the regulation of IT departments, and the professional development of the Department's examiners. Nelson began his career with the Banking Department in 1985 as a field examiner and has 36 years of regulatory experience. He has served as a Team Leader supervising a team of examiners in the southeast part of the State, as well as a Review Examiner in the office reviewing reports and analyzing applications. He was promoted to his current position in 2010. Nelson has also served on several Conference of State Bank Supervisors (CSBS) Special Task Forces to develop policies and procedures to guide state banking departments nationwide as well as work with Federal counterparts in helping to develop Interagency Policy Statements and examiner guidance. He currently serves on the CSBS Certification Committee, tasked with overseeing the nationwide examiner certification program.
Ana De Sousa leads the Fintech practice in the Supervision + Credit group of the Federal Reserve Bank of San Francisco. Previously, she spearheaded the San Francisco Fed's crypto asset research and advisory efforts. Before joining the Fed in May 2020, Ana led operations at a global crypto prime brokerage and advised several businesses in the crypto asset space. She holds an MBA from Harvard Business School and a bachelor's in economics from Harvard College.
Terry Hughes has over 30 years' experience in the financial and banking industry, having worked as a commercial lender, branch manager, financial analyst, and consultant. She joined the Office of Financial Regulation in 2015 as a financial specialist and was promoted to bureau chief of Bank Regulation in August 2017. In this role, she has regulatory responsibility for Florida-chartered banks, non-depository trust companies, international offices of foreign banking organizations, family trust companies, and qualified limited-service affiliates. Terry has a bachelor's degree in finance and an MBA from Florida State University.
Rhoshunda Kelly has over 20 years' experience as a bank regulator. She began her career as a bank examiner after graduating from Mississippi State University with a degree in business and a concentration in banking and finance. As a field examiner from 2001 to 2011, she assessed the safety and soundness of Mississippi state-chartered banks. In 2012, she became a review examiner and was promoted to director of Bank Supervision in 2013. Kelly was appointed Deputy Commissioner in 2014 and was responsible for supervisory oversight of the banking, mortgage, consumer finance, administration, legal and information technology divisions. She also ensured effective coordination between the state and federal regulators and fostered engagement with regulated industries. After serving as acting commissioner, she was appointed interim commissioner in July 2020 and was appointed commissioner in March 2021. She is a graduate and faculty member of the School of Banking at Louisiana State University and an honor graduate of the American Bankers Association Graduate Trust School.
Angie Lewis joined Citizens First Bank, a division of Synovus, in 2000 as vice president, Private Banking and was responsible for leading the bank's growth in the area of wealth management. In 2006, she was named executive vice president and was promoted to president and CEO in 2008. In 2012, she was named CEO of Synovus' Northwest Georgia division. In 2017, Lewis moved into a corporate role with Synovus as group executive, Community Banking. She transitioned to group executive, Enterprise Risk in May 2018. She is a graduate of Berry College and the Graduate School of Banking at LSU. She is a CPA and worked in public accounting prior to her career in banking. She is also a certified enterprise risk professional as designated by the American Bankers Association and serves on the Berry College Board of Trustees.
Buddy Mortimer serves as president and CEO of the Bank of Kilmichael, a $180 million community bank headquartered in Kilmichael, Mississippi. After completing his BBA in banking and finance at Mississippi State University, he began his career as a commercial loan officer for First National Bank in Dallas, Texas. He returned to Mississippi as a commercial loan officer with Deposit Guaranty National Bank and was soon promoted to senior vice president. In 1991 Mortimer and two investors purchased CAE Plastics, Inc., an injection molding and assembly company. It was sold to an Atlanta-based investment banking firm in 1998, and Mortimer returned to his banking roots, taking on the leadership of the Bank of Kilmichael. He is a member of the Mississippi State University Department of Finance and Economics Advisory Board and the Montgomery County Development Foundation.
Allan Perraud is a professional accounting fellow in the Division of Supervision and Regulation at the Board of Governors of the Federal Reserve System. In this role, He works on a variety of high-priority accounting projects and initiatives across the Federal Reserve System, other regulatory agencies, and with various external stakeholders. Perraud joined the Federal Reserve in May 2020 from KPMG and has over 11 years' professional experience working with financial services and banking clients. He holds a bachelor's in accounting and finance from the University of Maryland and is a certified public accountant.
Doris Quiros is senior vice president for the Supervision, Regulation, and Credit (SRC) Division of the Federal Reserve Bank of Atlanta. She oversees the Sixth District's supervision of state member banks, bank and financial holding companies, and US branches and agencies of foreign banking operations. She has oversight of the District's Credit and Risk Management (CRM) function and serves on the System's Supervision Committee and Bank's Executive Leadership Committee. Quiros began her career as a statistical reports analyst at the Federal Reserve Bank of New York in 1991 and joined the Federal Reserve Bank of Atlanta in 1996 as a team leader in Statistical Reports. She joined SRC in 2013 as assistant vice president, CRM, and in 2016 became vice president of the SRC Division. Quiros earned a BBA in banking and finance from Hofstra University. She is a certified internal auditor and has completed executive development programs at Columbia University, University of California, Los Angeles, and the University of Western Ontario.
Sheila E. Ray is chief talent officer of Cadence Bank, where she directs all human capital management functions. Prior to this, Sheila served as the Chief Financial Officer of State Bank Financial Corporation. She was a founding officer and served as the CFO, corporate secretary, and a board member for Bank of Atlanta. She also previously served as COO and CFO at Eagle Bancshares, Inc., director of Information Processing and Administrative Services at First National Bancorp and deputy general auditor at Wachovia Corporation. Ray is a graduate of the University of Georgia, a certified public accountant, and in 2015 received recognition from Atlanta Business Chronicle as CFO of the Year in the midsize public company category. She is a member of the board of directors for CHRIS 180 and Atrium Health Navicent.
Chad Tagtow is the senior vice president and chief information officer for Citizens Bank and Trust in Polk County, Florida. His areas of responsibility include technology, risk management, and operations. He began his career in the information security field developing and implementing network security policy for Boeing Aerospace at Kennedy Space Center in the late 1990s. Tagtow holds a bachelor's in computer engineering from the University of Central Florida, and is a graduate of the Graduate School of Banking at Louisiana State University, where he teaches a course in risk management and cybersecurity.
Ali Wolf is the chief economist for Zonda, the largest homebuilding prop tech company in North America. As head of the Economics Department, she manages and analyzes content for Zonda, runs special research projects, strategizes with the nation's largest homebuilders, and presents nationwide covering topics across the housing market and wider economy. Wolf also serves as an adviser to the White House, providing data and insights on the US housing market. She holds a bachelor's in economics from The Ohio State University and a master's in real estate economics and finance from the London School of Economics.