Dennis R. Adams

President, American Share Insurance
He is responsible for all operational and financial affairs of the nation’s largest private deposit insurer for credit unions. Prior to assuming his role as the company’s chief executive officer in 1990, he functioned as its chief financial and risk management officer for five years. Before joining ASI, he was a practicing Certified Public Accountant; wherein, he devoted his services to the credit union movement for ten years.


Allyson B. Baker

Partner, Venable LLP
She is a trial attorney and civil litigator with more than a decade of experience in the federal government and private practice. She focuses on financial services litigation and law enforcement investigations involving consumer finance, financial fraud and complex financial transactions. She represents banks and nonbanks subject to law enforcement actions and investigations, especially those initiated by the Consumer Financial Protection Bureau (CFPB) and the Department of Justice (DOJ). She represents numerous consumer finance companies in confidential investigations initiated by the CFPB's Office of Enforcement.


Michael Calcote

Chief Financial Officer/Elevations Credit Union, Boulder, CO
He oversees accounting and finance, enterprise risk management, enterprise performance excellence, information technology, operations and corporate real estate at the $1.7 billion credit union. Prior to joining Elevations in 2010, he served as chief financial officer and treasurer for Guaranty Bank, a large publicly held financial institution headquartered in Austin, Texas. He also served for five years as a regulatory examiner and capital markets specialist for the U.S. Office of Thrift Supervision.


Michael Cochrum

Executive Lending Advisor, CU Direct
Working in the consumer lending industry since 1989, he joined the credit union industry in 1999, working for the Texas League’s credit union. He joined CU Direct Corporation in 2004, helping to create the largest CU retail Point of Purchase lending network in the U.S. He currently oversees the national delivery of CU Direct’s Lending Insights LPMS product, which provides credit unions with powerful portfolio analytics tools.


Ryan Donovan

Chief Advocacy Officer, Credit Union Natl. Assn. (CUNA)
Responsible for the development and implementation of CUNA’s legislative, regulatory and state government advocacy efforts, he joined the association as Vice President – Legislative Affairs in September 2007, was promoted to Senior Vice President in September 2011 and to Chief Advocacy Officer in January 2015. Prior to joining CUNA, he worked for the California and Nevada Credit Union Leagues as Director of Federal Government Affairs. He also served as a member of the Congressional staffs of Representative Brad Sherman (D-Calif.) and former House Democratic Leader Richard A. Gephardt (D-Mo.).


Michael E. Fryzel

Attorney, former NCUA Board chairman
He served on the NCUA Board for six years and was its Chairman during the 2008-2009 financial crises that impacted both corporate and natural person credit unions. He is an attorney and consultant to the financial services industry with offices in Chicago. He is a former Director of the Illinois Department of Financial Institutions and was as a member and chairman of the Illinois Governor’s Board of Credit Union Advisors serving three different Governors.  He was also a Commissioner of the Illinois Court of Claims and a prosecutor for the Illinois Secretary of State.


Gavin Gee

Director, Idaho Department of Finance. 
Appointed Director in 2007 he joined the Idaho Department of Finance in 1977 and has served as the Department’s Deputy Attorney General, Bureau Chief of the Securities Bureau and of the Financial Institutions Bureau.  He also serves as vice-chairman of the Idaho Endowment Fund Investment Board which oversees the investment of over $2 billion for public schools, the State Insurance Fund, and others.


Todd M. Harper

Director/Office of Public and Congressional Affairs, NCUA
He became Director of NCUA's Office of Public and Congressional Affairs in February 2011, joining the agency after a 14-year stint on Capitol Hill as a senior aide to Rep. Paul E. Kanjorski (D-Pa.) and also as staff director for the House Financial Services Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises. Having worked on Capitol Hill on every major financial services law from the passage of the Gramm-Leach-Bliley Act in 1999 through the adoption of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, he has extensive knowledge of financial services issues and of the legislative and regulatory matters of significance to credit unions.


Patrick Harris

Vice President, Government Affairs, Ohio Credit Union League

He has been with the Ohio Credit Union League (OCUL) since 2007, serving as a passionate advocate for Ohio’s 300 credit unions before the media, Ohio General Assembly, U.S. Congress, and multiple regulatory agencies. In his role as Vice President of Government Affairs, he fights for the advancement of financial cooperatives through effective and impactful legislative and regulatory policy making on the state and federal level and oversees the political and grassroots function among Ohio's credit unions. Before joining (OCUL), he spent nearly a decade working for the State of Ohio in multiple public relations rolls, including stints in the Ohio General Assembly and the Office of the Governor.


Seth Horvath

Partner, Nixon Peabody

Focusing on trial and appellate litigation in state and federal courts nationwide, he represents a wide variety of clients at his law firm, with particular emphasis on the banking industry. In particular, he pays close attention to state-agency administrative procedures that dictate which issues are decided in court and which issues are left to the discretion of administrative officials.


U.S. Rep. Randy Hultgren (R-Ill.)

 A three-term member of Congress from the 14th congressional district of Illinois, he is a member of the House Financial Services Committee, and serves on the subcommittees for capital markets and government-sponsored enterprises, and oversight and investigations.



President and CEO, NASCUS
She became the NASCUS president and CEO in November, 2014, joining the association with extensive work and leadership within the credit union system. Prior to joining NASCUS, she was executive vice president and chief operations officer of the California and Nevada Credit Union Leagues (CCUL/NCUL), serving those organizations for the past 10 years. In that role, she provided oversight to all four of the Leagues' divisions—Advocacy, Member Solutions, Strategic Innovation and Planning, and Finance and Human Resources. Before that, she served as the World Council of Credit Unions' (WOCCU) senior vice president.


Charles Kelly, CPA

Chuck has over 13 years of experience, specializing in providing audit and accounting services for Credit Unions. In addition to planning, managing and performing financial statement audits for institutions ranging in total assets from $60 million to $32 billion, Chuck has performed engagements designed to test the adequacy of loan documentation and reserves, outsourced internal audits, adherence to internal control policies, and consulting engagements for a variety of regulatory compliance requirements.  He is also an advanced user and trainer for the statistical analysis software tool, Interactive Data Extraction and Analysis (IDEA).



Keith Kelly

CEO, CURateReset
He is the CEO of CURateReset, a newly formed CUSO technology company providing loan retention and acquisition solutions. Rate Reset/LoanGen, the secure web-based automated retention and loan generation tool won the voting at the conclusion of the Next Big Idea competition during the 2016 NACUSO Network Conference. The closing cost savings platform has been featured in Money Magazine, The Washington Post, Time Magazine, New York Times, Woman’s World, CNBC and a host of other national publications. He has been a Radio Host of MyMortgageWatchDog on WMAL in Washington, DC.


Brian Knight, Esq.

Executive Vice President & General Counsel, NASCUS

He joined NASCUS in 1998 and has served as NASCUS' general counsel since 2007. As general counsel, he manages NASCUS' state and federal regulatory analysis, policy development, and compliance guidance, and works closely with all NASCUS' departments, the CEO, and the board. He also oversees NASCUS’ professional development department and Accreditation and State Programs department. With an extensive background in both legislative and regulatory analyses and a comprehensive knowledge of the state and federal credit union regulatory system, he often represents NASCUS speaking at seminars, trade association meetings and conferences. He has testified before numerous state legislatures on behalf of state regulatory agencies and participated in industry strategic planning sessions.


Corey Krebs

Chief Examiner; Credit Unions, North Dakota DFI
As chief examiner, a great deal of his time is spent monitoring and regulating commercial and agricultural lending.  Due to a state economy heavily concentrated in agriculture and oil, 40% of assets regulated are member business loans. He has served on numerous committees and groups, including the joint MBL Taskforce, NASCUS Accreditation Working Group, and the committee updating the NCUA Examiner’s Guide.


Christine Lacke

Director, CU Protection/CUNA Mutual Group
In her role, she leads the Credit Union Protection product area and is accountable for the overall business strategy, product management, execution and financial results. She also leads and manages the development of staff underwriters and product support staff. She joined CUNA Mutual Group in 1989. She has experience as a pricing and a reserving actuary supporting commercial and personal lines of property & casualty products. Prior to her role in Product Management, she was the director of the Product Actuarial team.


Tim Lange

Senior Director, Conference of State Bank Supervisors (CSBS)
In his role at CSBS, his duties have included managing system policy and development for NMLS, the legal system of record for mortgage and other non-depository financial services regulation. Prior to joining CSBS, he worked in the securities industry for 10 years specializing in fixed income sales and trading. 


J. Mark McWatters

Member, NCUA Board
Nominated to the NCUA Board by President Barack Obama on Jan. 7, 2014, and following confirmation by the U.S. Senate on June 19, 2014, he took office as an NCUA Board Member on Aug. 26, 2014. With more than 30 years of legal experience as a tax, corporate finance and mergers and acquisitions attorney, he has worked in both federal and state government, the private sector and academia and has significant experience in public policy issues related to the regulation of financial institutions and alternative investment vehicles, including service as a member of the Troubled Asset Relief Program Congressional Oversight Panel. He is also licensed as a Certified Public Accountant.


Guy A. Messick

Partner, Messick & Lauer P.C.
Guy Messick is an attorney engaged in the private practice of law in Media, Pa. He has provided strategic planning and legal consultation services to hundreds credit unions and credit union service organizations nationwide. Since 1987, he has served as General Counsel to the National Association of Credit Union Service Organizations (NACUSO) where he serves as liaison with the National Credit Union Administration.


NCUA Board Chairman Rick MetsgeR

Assuming the office of chairman in April, he became the ninth chairman of the agency board, having served as a member of the panel since 2013 (and vice chairman since 2014). Since becoming chairman, he has pursued a review of the agency’s exam and supervision process. Dubbed the “Exam Flexibility Initiative,” recommendations are expected to be delivered to the NCUA Board this fall. Prior to joining the NCUA Board, he owned his own strategic communications consulting firm focused on the areas of financial services, capital construction, energy and transportation. He served for 12 years in the Oregon State Senate, where he chaired the Business and Transportation Committee and was elected President Pro Tem in 2009. He worked extensively in areas of financial services, taxation, and consumer protection policy, and served on the Oregon State Treasury Debt Policy Advisory Commission. In addition to consulting and public service, he has worked as a teacher and a radio and television journalist. From 1993 to 2001, he served on the board of directors of the Portland Teachers Credit Union.


Heather Morton

Program Principal, Fiscal Affairs, National Conference of State Legislatures
With NCSL since 2000, she currently covers consumer and financial services, civil liability and alcohol production and sales issues. She is a staff liaison to NCSL’s Communications, Financial Services and Interstate Commerce Committee and she is the NCSL state liaison to Arizona and New Hampshire.


Deirdra A. O’Gorman

President and Chief Executive Officer, The Fourth Corner Credit Union (4CCU)

A senior financial services executive with more than 20 years of experience leading both senior and junior professionals, organizing and executing new initiatives, and building profitability, she started her banking career as a teller and worked her way up to hold various leadership provisions, such as Market President for a nationally chartered bank with $17 billion in assets; Colorado Senior Vice President of Sales and Service for a federal savings bank; and most recently, a Senior Executive Officer with one of the 50 largest state- chartered credit unions in the United States, second largest in Colorado, with $3.3 billion in assets.  Additionally, she served at the invitation of the Governor of Colorado to participate in the Biennial of the Americas Drug Policy panel.


Al Ralston

Vice president Gordon Thomas Honeywell, Government Affairs
With nearly 40 years of lobbying and public policy experience at the federal, state, and local government level, he has built a network of relationships and knowledge base on issues that is unprecedented. His career is best defined by his 21 successful years as the Senior Political Strategist, Corporate Leader, and Lead Lobbyist for the Boeing Company. Between 1986 and 2007, he organized and implemented winning government relations strategies for Boeing.


Gov. Bruce Rauner (R-Ill.)

The 42nd governor of the state, he was sworn into his first term last year, focusing on taxpayer value, jobs, education, and term limits and accountability in state government. Born in Illinois, he is a self-made businessman who had no inheritance or family wealth, but who built the investment firm he joined and nurtured into one of the most successful and respected businesses in Illinois.


Doug Lacy-Roberts

Program Manager, State of Washington; Department of Financial Institutions
He has worked for the Division of Credit Unions (Division) for over 17 years. He is currently in the position of Program Manager. He manages the day-to-day examination operations for the Division of Credit Unions and participates in the development, implementation and monitoring of Division strategic plans and budgets. He worked seven years for the Federal Deposit Insurance Corporation during the savings and loan and banking crisis (1987 to 1994).  While at the FDIC, he excelled in both bank and pre-bank closing assignments and he managed, trained and supervised staff at bank closings.  In addition, he managed a large portfolio of distressed assets and structured and negotiated settlements.


Robert W. Rutkowski

Ohio Deputy Superintendent for Credit Unions
Appointed in February 2015, he was formerly in private practice as a solo practitioner. Prior to that, he was the managing partner of a credit union practice group of an` Ohio law firm.  He advised credit unions on compliance, contract negotiation, real estate, employment law and other legal issues. He also lectured nationwide on topics such as marketing and lending compliance, director and officer liability, disaster recovery, identity theft, credit union accounts and a variety of laws impacting credit unions, such as the Bank Secrecy Act.


Bryan Schneider

Secretary, Illinois Department of Financial and Professional Regulation
Appointed Secretary of the Illinois Department of Financial and Professional Regulation in February of 2015, he served previously for more than 14 years in various roles at the Walgreens Company. He most recently served as Divisional Vice President and Assistant General Counsel in the Pharmacy, Health and Wellness Legal Department. He began his career as an associate at law firm Sidley Austin, and upon law school graduation, clerked for the United States Court of Appeals. He has also served as counsel to the Office of the Speaker of the Illinois House of Representatives and to the Illinois House Republican Leader. He was a member of the Illinois State Board of Elections for more than a decade, serving as both its Chairman and Vice Chairman. He is admitted to the practice of law in Illinois and is an Illinois Registered Certified Public Accountant.


Tim Segerson

Deputy Director, NCUA Office of Examination and Insurance

As Deputy Director of the Office of Examination and Insurance (E&I) with the National Credit Union Administration, he is responsible for overseeing the day to day operations of E&I and assisting the Director with the implementation of National policy relating to examination, supervision, insurance and guaranty fund risk management.


Keith Sias

Senior Vice President of Governmental Affairs, Illinois Credit Union League
In his role, he oversees ICUL’s Federal and State Legislative Advocacy programs. He also directs the activities of the Credit Union Political Action Council (CUPAC), is the liaison for ICUL’s Legislative Committee and serves on CUNA’s State Issues Advocacy Committee.


Patrick Smith

Senior Vice President, Regulatory Affairs, Illinois Credit Union League
He joined the Illinois Credit Union League in October 2004 and Accomplus in June 2015. Prior to that time, he worked for the Illinois Department of Financial Institutions, Credit Union Division for 17 years. His responsibilities include administering the state and federal regulatory affairs program working closely with the Illinois Department of Financial and Professional Regulation and the National Credit Union Administration, as well as American Share Insurance. He provides critical advocacy and consulting services to member credit unions with regard to regulatory examination compliance and technical issues. He also provides related education and training in a number of venues to advise credit unions of trends in credit union operations and help develop corrective plans to address specific operational challenges. In addition, he supervises the league’s Department of Regulatory Affairs and Member Outreach.


Cal Steinhoff

Regional Vice President of Business Development, Mirador

At Mirador – a financial technology developer that enables banks and other lenders to produce commercial loans quickly and efficiently – he is responsible for the advocacy and expansion of the Mirador technology solution across the Midwest region. With more than 20 years of technology sales and business development experience to fintech, and a strong background in delivering high­value enterprise solutions to financial institutions across the United States, he spent five years in business development for SurePayroll, a Paychex company, prior to joining Mirador.


Michelle Thornton

Director, Product Development, CO-OP Financial Services

She joined CO-OP in September 2009, and has 18 years of experience in the financial services market. With more than two decades of general management and product experience in both service and manufacturing industries, she has accumulated a well-rounded and unique blend of operational, marketing and strategic planning expertise. Prior to CO-OP Financial Services, she worked for Harland Clarke, formerly Liberty Enterprises, an organization designed exclusively for credit unions.


Richard T. Wargo

EVP, General Counsel, Pennsylvania CU Association

He serves as executive vice president/general counsel for the Pennsylvania Credit Union Association and its service corporation, Pacul Services, Inc. In his position, he researches legal issues, writes articles for Association publications and provides legal advice to management to ensure that the interests of the Association, Pacul Services and credit unions are protected. He additionally takes an active role in the Association’s legislative and regulatory advocacy activities, and provides support to the compliance and operations staff.