Dr. Michelle Rozen, a.k.a The Change Doctor, holds a masters and a Ph.D. in Psychology and is a highly respected authority on the psychology of change.

Dr. Rozen is the author of several books including her most recent book, 2 Second Decisions: The Secret Formula for Leading Change by Making Quick Winning Choices. She is a frequent guest expert on NBC, ABC, CNN, FOX News and many more media outlets on issues related to motivation, personal and professional growth and managing change in our lives so that we can all do better, feel better and become better in every possible way, both as individuals and as leaders.

Chris has more than 30 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.

Jerry Clark is the Director, Customer Success Management for Moody’s Analytics. He and his team keep a pulse on current trends and directions for financial institutions. Interactions with clients and other avenues are used to guide solutions for balance sheet management across the industry.

Clark started his career in the Treasury area of PNC Bank, spending a decade performing Asset/Liability Management. Key responsibilities included forecasting and stress testing, merger and acquisition analysis, funds transfer pricing/profitability modeling, and consolidations for as many as 20 entities. Other responsibilities ranged from data warehousing and programming to modeling and strategy development through some challenging years of banking. He joined Fiserv in 1994 to help financial institutions improve their risk and modeling capabilities, and later moved to ZM Financial Systems (now Moody’s Analytics). Clark has worked with hundreds of institutions to improve their risk management and forecasting capabilities.

Clark holds a Bachelor of Science degree from Indiana University of Pennsylvania with a concentration in Management Information Systems and Finance. He received his Master’s in Business Administration from the University of Pittsburgh.

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.

John regularly represents Fortune 500 companies, financial institutions, and HIPAA­ covered entities in governmental investigations and class actions. John was appointed to serve as the first Special Master over discovery in the Takata Airbag Products Liability Multi-District Litigation. John is veteran of more than 15 jury trials and has handled at least twice that number of other evidentiary hearings during his time as an Assistant United States Attorney and his years in private practice. His trials included high-profile cases involving an airplane hijacking, the armed kidnapping of a federal employee, a mail fraud scheme targeting several schools, and the attempted enticement of a minor over the internet.

He has extensive experience in matters involving cyber intrusions, cyber extortions, corporate espionage, theft of trade secrets, and data breach events. On multiple occasions, John has counseled and defended companies experiencing massive, extremely high profile data breaches. He has counseled and defended more than 70 financial institutions across the country during regulatory examinations on issues relating to consumer and regulatory compliance issues and cyber preparedness. Throughout his career, he has led dozens of investigations in matters relating to financial crimes, insider abuses, consumer protection issues, the False Claims Act and potential FCPA (Foreign Corrupt Practices Act) violations in South America and Asia.

Heather’s practice focuses on corporate and regulatory representation of small to large regional and national financial institution franchises. She has counseled institutions on M&A transactions, as well as provided representation on securities offerings, capital planning, and corporate restructuring. She also advises financial institutions and financial service providers on emerging regulatory and compliance issues, mostly recently related to high-risk customers and Fintech opportunities.

Dr. David Fieldhouse oversees the development of retail and municipal loan performance models for financial lending institutions.

Dr. Fieldhouse and his team of analysts specialize in producing econometric based loss-forecasting, benchmarking and stress-testing models to meet our client’s unique strategic planning, risk management and accounting needs. He is a CECL subject matter expert with a focus on credit cards. He also produces white papers on consumer credit issues and speaks regularly at Moody’s Analytics and industry events, webinars and client engagements. David holds a PhD in economics from the University of Western Ontario, Canada.

David is an experienced Retail Banking professional from Manchester, United Kingdom with 30 years’ experience in listed and member owned financial institutions,  both in a domestic and global setting.

His experience is in the overall stewardship of an organization across the Risk, Finance and Treasury domains and in leading regulatory remediation and business modernization post the global banking crisis, from Tier 1 to Tier 5 institutions.

David has worked leading teams of professionals in both the 1st and 2nd line of defense and a regular attendee at EXCO,  ALCO, Operational Risk, Data & Model Governance committees.

He is a Fellow of the both the Chartered Association of Certified Accountants and the Association Corporate Treasurers in the UK and is a Senior Advisor in Balance Sheet Management for FIS, supporting clients worldwide.

As Research Director | 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. Additionally, he ensures that Colliers professionals are providing superior service and deliverables to existing and potential clients. 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. Aaron also advised institutional clients, including lenders, REITs, and investment managers along with government agencies on their commercial real estate investment strategies across property sectors.

Nikolas Kapatos has served in numerous banking positions in New York and Houston in enterprise risk management, insurance and strategic planning and most recently as the Enterprise Risk Manager for Allegiance Bank. He is Professor of Practice in Risk Management and Insurance at the Bauer College of Business at the University of Houston. In the past Nikolas has provided consultative services to financial institutions, public entities, and aviation companies. He has a MBA in finance and corporate accounting from the University of Rochester and holds Texas insurance licenses in property & casualty and life & health.

Chris is the CEO of Empyrean Solutions, a leading provider of risk and finance solutions to banks and credit unions. He leads a team of over 100 employees dedicated to developing and implementing the first fully integrated ALM, Budgeting, and Profitability model. Chris is frequently traveling and meeting with bank and credit union executives as Empyrean looks to further meet the broader set of requirements within the “Office of the CFO.”

Throughout his 25 year career, Chris has worked in a variety of roles dedicated to the success of banks and credit unions. From his very first role as a client support associate through his years implementing ALM, Budgeting, and Regulatory reporting solutions, Chris has a unique understanding of the challenges financial institutions face when onboarding new software solutions and works to minimize the frustrations and difficulties often associated with these projects.

Chris graduated as a Commonwealth Scholar from the University of Massachusetts (Amherst) Honors College with a degree in Finance. His true passion is youth sports, and he can usually be found coaching at a little league baseball field most nights over the course of the spring and summer.

Larry has been a partner to financial institutions for over two decades. He holds a degree from Cornell in finance and an MBA in finance from Stony Brook University. He began his career in banking at Citibank in capital markets and risk management. He is a firm believer in taking a disciplined, balance sheet approach when it comes to investment portfolio management.

Jeff Prelle is the Enterprise Risk Executive at Cadence Bank and has been with the bank since April 2020. Jeff Is responsible for the areas of enterprise risk, operational risk, third-party risk, new activities, data governance, model validation, and ESG. Prior to joining Cadence Bank, Jeff was the head of modeling, model validation, and financial consulting at Situs AMC and was responsible for the entirety of legacy McGuire Performance Solutions product service offerings and development. He also worked for TD Ameritrade and Moody’s Analytics where he led balance sheet management, model development, enterprise stress testing, and data governance functions.

Jeff has extensive experience in the areas of balance sheet management, enterprise risk management, bank compliance, quantitative analytics, machine learning techniques, model development, model validation, credit risk management, capital stress testing, as well as corporate planning and budgeting.

Philip is a Risk Management professional with extensive audit, operational and process improvement experience in the financial services industry. He consistently partners with internal and external key stakeholders to influence change in a collaborative approach with a focus on improving the control environment. He enjoys and excels at providing value added recommendations to mitigate risk, gain efficiencies, and solve complex business issues in support of achieving strategic objectives.

Dave Sweeney is a Managing Director in Chatham’s Financial Institutions team and leads our business development efforts in the Midwest where he advises financial institutions on hedging strategies. He also runs our investment and treasury advisors team.

Prior to joining Chatham, Dave spent 14 years with Ernst & Young as a Principal in the Financial Institutions practice and also served as Treasurer and Chief Investment Officer for two community banks. He has experience marketing and selling interest rate derivative products to commercial bank loan customers. Dave graduated with honors and distinction from the Pennsylvania State University with his bachelor’s degree in accounting, is a CPA, and a CFA Charterholder.