Chris has more than 35 years’ experience tracking US and global economies, financial markets, central banks, and fiscal policy, as well as six years’ experience as a money manager, giving him a unique ability to distill economic events into information useful to investors.

Chris writes daily economic and market updates, weekly economic commentaries, and regular economic forecasts. He is a frequent and popular speaker at national conferences and forums. He is a member of SIFMA’s Economic Committee and the American Bankers Association’s Economic Advisory Committee to the Federal Reserve Board of Governors, where he has served as Chairman.

Chris has been quoted in Business Week, The Wall Street Journal, The New York Times, and many other publications around the world. He is a regular on Bloomberg TV, CNBC, and Fox Business Channel and on BBC World Service radio and American Public Media’s “Marketplace.” Chris has been recognized multiple times by Bloomberg as the most accurate forecaster of Treasury note yields.

Chris is a graduate of New York University.

Todd Cuppia is a Managing Director and leads Chatham's Balance Sheet Risk Management practice for financial institutions. In his current role, Todd advises over 200 financial institutions across the U.S. on developing and executing strategies to manage complex economic risks. He brings nearly two decades of capital markets and banking experience to help financial institutions implement successful interest rate risk management programs.

Eri Panoti leads Chatham's Financial Institutions Hedge Accounting team, advising clients on hedge accounting policy and application for both balance sheet risk management strategies, as well as customer hedging needs. She brings more than a decade of experience in banking and accounting to help financial institutions determine the best accounting impact of their hedging activity. Prior to joining Chatham, Eri was manager of accounting policy on derivatives and hedging at KeyBank in Cleveland, Ohio, and held audit positions at Deloitte, also based in Cleveland. She earned her Master of Business Administration with accounting concentration, as well as her bachelor’s degree in business administration from Baldwin Wallace University. Eri is a licensed CPA, a Chartered Global Management Accountant, and a member of the American Institute of CPAs.

Steven J Hebner is the Vice President of Finance for Centreville Bank, responsible for Asset-Liability Management, Liquidity Management, Planning & Forecasting, and Pricing & Profitability Analysis. As the Chairman of ALCO and Pricing Committee, Steven is intimately involved in deposit planning strategies. With more than 17 years banking experience, Steven enters his 10th year with Centreville Bank. During his tenure, he has partnered with a management team that has grown the 197-year-old institution from $1.0 billion assets $740 million deposits to $2.8 billion assets $2.1 billion deposits, while modernizing operational capabilities and sophistication. Steven was honored by the Providence Business News in the 2023 40 Under Forty list for his work in helping Centreville Bank earn recognition as one of Rhode Island’s Fastest Growing Companies (PBN) and Newsweek’s Best Small Bank in RI, among many other accolades for the expanding financial institution. Steven also serves on the Massachusetts Bankers Association’s Emerging Leaders Steering Committee.

John Kornacki is the Director of Finance and Treasury at DCU, overseeing treasury, credit risk, and financial planning & analysis (FP&A). With nearly a decade of banking experience, John focuses on balance sheet strategy, risk management, and financial performance optimization. As a CFA Charterholder, he leads the credit union’s finance and treasury functions, ensuring effective risk mitigation, strategic financial planning, and regulatory compliance. His expertise includes interest rate risk modeling, liquidity and investment portfolio management, and profitability analysis. John also directs DCU’s pricing strategies and financial forecasting, aligning decision-making with long-term organizational goals. Through his leadership, John ensures DCU is well-positioned to manage financial risks while capitalizing on opportunities, supporting the credit union’s objectives of sustainable growth and exceptional service to its members.

Ryan Henley leads Stifel's Fixed Income Financial Institutions Strategy Group, which provides balance sheet strategies and analyses related to economics, interest rates, investments, and interest rate risk management strategies to executive management teams of financial institutions and portfolio managers nationwide. In addition to balance sheet and investment strategy, he focuses on the interpretation of shifting regulatory and accounting environments. He joined Stifel in 2015 as part of the firm’s acquisition of Sterne Agee, where he served as lead financial strategist since 2006. He is a frequent speaker at national and regional banking and financial conferences. Ryan is a CFA charterholder and an honors graduate of the University of Alabama. He holds a B.S. in Finance and a M.A. in Banking and finance with a concentration in Financial Risk Management.

Kevin Cavin leads Stifel's Product Strategies Team and is the Head of Stifel's Mortgage Strategy Group. He specializes in identifying relative value opportunities in the Agency MBS market and private label structured finance markets. He is the editor-in-chief and a regular author of Stifel’s MBS Relative Value article and related publications. He also works closely with individual clients to implement portfolio strategies that optimize investment returns within a specific set of risk parameters and investment styles. His efforts are targeted toward large institutional clients, including money managers, pension funds, insurance companies, banks and credit unions. He is based in Stifel’s Chicago office. Kevin has over 20 years of experience in capital markets. Prior to joining the Stifel family in June 2015, Kevin was the head of Sterne Agee’s Mortgage Strategy Group for more than five years. Prior to Sterne Agee, Kevin spent nearly ten years at FTN Financial's Portfolio Strategies Group and Mortgage Strategy Group.

Frazer Gieselmann leads Stifel's Loan Strategies Team, which provides balance sheet strategies and analyses related to economics, interest rates, investments, and interest rate risk management related to the loan portfolio of financial institutions and corporations. Frazer works closely with individual clients in modeling potential transactions and helping clients understand the impact of these transactions and strategies. In addition, he works closely with the Stifel Loan Trading Group on a daily basis in activities related to both the secondary loan markets and new loan origination. Frazer is based in Stifel's Memphis office. Frazer joined Stifel in 2024. He has over 20+ years of experience working at and with depositories – with a particular focus on commercial real estate. Prior to joining Stifel, Frazer traded whole loans and participations at a regional broker dealer. Previously, Frazer worked for four banks where he worked and managed teams focused on commercial lending. Frazer holds a Bachelor of Arts in Economics with a concentration in Finance from Auburn University.

Ms. Brown has over 30 years’ experience in financial services in senior level positions in departments including commercial banking, treasury management, trust, and retail at banks such as Brown Deer Bank, First Bank (MN), U.S. Bank, N.A. and Associated Bank, N.A.  Prior to joining Patriot and Ampersand, Kelly had a successful exit to PE when she sold The American Deposit Management Co., which she founded in 2009.  She grew the company to manage over $7B AUM and relationships with over 500 financial institutions.  Ms. Brown was also the founder of a de novo bank named First Wisconsin Bank & Trust Co. located in Brookfield, WI.    

She is a graduate of Cardinal Stritch University with her B.S. and M.S. in Management and holds certificates from both University of Wisconsin-Madison in Leadership and University of Pennsylvania-Wharton in Fintech Theory and Applications. 

Ms. Brown is also very involved in the community.  She is the Chairman and Founder of the Marquette University Commercial Banking program, a member of YPO Wisconsin and was recently elected to the Kettle Moraine School District board.

As Director of Research, U.S. Capital Markets, Aaron is responsible for all aspects of research within the Capital Markets platform. He synthesizes and interprets a variety of data and information to stay ahead of trends that put our clients in an optimal position to make informed decisions. At the same time, he promotes the Colliers brand via best-in-class research reports, weekly insight posts, thought leadership, and contributions to numerous panels, media outlets, and industry events. 

With a deep understanding of markets throughout the country, he provides a unique perspective on market dynamics across asset types and investment strategies, providing clients with tailored data and analytics to ultimately guide decision-making solutions.

Prior to joining Colliers, he spent 11 years with Property & Portfolio Research (PPR), later CoStar Portfolio Strategy, where he was responsible for the leadership, direction, and performance of a team of economists who monitored property markets across the United States.

Sherita has more than 20 years of experience in banking, with a strong background in risk management and regulatory oversight. Sherita has served as bank examiner for both the Office of the Comptroller of the Currency and the Federal Reserve Bank of St. Louis. Currently, Sherita is the Chief Risk Officer at Texas Partners Bank, where she leads risk management strategies and model risk management overssight. Sherita holds a BBA in Finance from Jackson State university and an MBA from Mississippi State University.

H.D. Barkett is Senior Managing Director, Treasury Desk at IntraFi. Mr. Barkett has been involved in banking and financial services for more than 30 years, working with financial institutions on issues involving asset/liability management, liquidity management, risk assessment and management, and portfolio hedging. Formerly, he served five years as Vice President of Sales and Marketing and Director of New Initiatives with the Federal Home Loan Bank of Des Moines. Prior to that, Mr. Barkett was Vice President of Institutional Fixed Income sales with both Shay Financial Services and Paine Webber. For 12 years, Mr. Barkett held various management positions at Federal Home Loan Bank of Dallas in its Investments Group, Financial Strategies Group, and Sales and Marketing Department. Mr. Barkett joined IntraFi in 2002.

Tom Frick is Managing Director, Treasury Desk at IntraFi. He has been with the company since 2014 specializing in bank funding and balance sheet management. Previously, he worked for five years at two different investment banks as an equity research analyst providing coverage of regional bank stocks. Mr. Frick earned his BS from Elon University and his MBA from Virginia Tech. He holds the Series 7, 66, 86, and 87 securities licenses. 

Ramona Anderson is the Chief Risk Officer at Horizon Bank, a community bank headquartered in Austin, Texas.  As CRO, she and her team are responsible for enterprise risk management, compliance management, anti-money laundering, information security, model risk management, vendor management, business continuity, internal audit, external audit coordination, and regulatory examination coordination.

Ramona studied economics and finance at Southern Methodist University, and earned her MBA at Tarleton State University.  She is a Certified Regulatory Compliance Manager (CRCM), a Certified Internal Auditor (CIA), and a Certified Enterprise Risk Professional (CERP).  Ramona has over 25 years of community banking experience.  Her previous roles include serving as a BSA Officer, Compliance Officer, Internal Auditor, and Information Security Officer.

CEO of Empyrean Solutions, a company that provides premier balance sheet modeling solutions for financial institutions. His mission is to help clients optimize their performance, manage their risks, and comply with regulatory requirements, using our integrated platform that covers ALM, Stress Testing, FTP, Liquidity, Budgeting, Profitability, and CECL.

Marcus has accumulated 30 years of experience in financial risk management, working across banks, investment firms, and software companies. His expertise spans market, credit, and liquidity risk, as well as stress testing and analysis. Currently, he serves as the North American SME for risk management at FIS.

He has delivered speeches, authored articles, and published papers on risk management, with a recent focus on climate-related financial risk management. Additionally, he has developed and teaches a course on Climate Finance and Risk Management at NYU Tandon School of Engineering.

Alex Cannon leads global strategy for Risk and Finance Solutions within Moody's Banking Business Unit. His background includes divisional CFO roles at regional and community banks, with expertise in corporate finance, corporate development, M&A accounting, risk modeling, financial reporting, and credit loss quantification. Alex is an active CPA in the state of Georgia, and holds BBAs in Finance and Real Estate, as well as a Masters in Accounting from Georgia State University.