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Full Size Front Cover Our Mission The Consumer Bankers Association preserves and promotes the retail banking industry as it strives to fulfill the financial needs of the American consumer and small business. Our Goals The Consumer Bankers Association will: • Participate with our members via our Committees, the backbone of our organization. • Advocate on behalf of our members and their customers with regulatory agencies and federal legislators; serve as the industry’s definitive resource for CFPB engagement, analysis and insight. • Communicate broadly the vital services banks provide American consumers. • Educate the next generation of retail banking leaders. The Consumer Bankers Association was founded in 1919 to support commercial banks in a new concept of making loans and deposit products accessible to every day Americans. Today, CBA is the only national financial trade association focused exclusively on retail banking – services geared toward consumers and small businesses. CBA provides leadership, education, and federal representation on regulatory and legislative issues, especially the CFPB. CBA members include the nation’s largest bank holding companies as well as mid-tier, regional and super community banks. Our members are leaders in retail banking including auto finance, default management/collections, community reinvestment, deposits and payments, digital channels, fair and responsible banking, home equity lending, student lending and small business banking. CBA’s leadership includes an active Board of Directors and Committee/Council structure. Each member is recognized by their peers as a leader in the industry. 1 Washington, D.C. is a city of divided government, with active regulators and policy makers across federal agencies and Congress. This is why America’s leading retail banks look to CBA for support as they navigate this time of unprecedented transformation driven by regulators, the courts, Congress, and the American consumer. We provide our members with active, in-depth analysis on the breaking developments out of Washington to deliver the edge they need. No other trade association focuses solely on the retail banking space. CBA’s spotlight on these issues places us at the center of policy debates ranging from overdraft rulemaking, the CFPB’s consumer complaint database, to student lending. From small business banking to auto loans and the Community Reinvestment Act, we serve as your voice on Capitol Hill and in the halls of the federal government’s nancial industry regulators. Our members are integral to the success of CBA and collectively control more than half of the total industry assets. They drive our 10 Committees, our educational programs and the premier annual retail banking conference, CBA LIVE. Our membership is comprised of the leaders in the retail banking industry and we extend our deepest gratitude to each member of our Board, our Councils, and our Committees for their commitment to CBA. Since 1919, retail banking has charged CBA with being its voice in our nation’s capital. We encourage you to explore all we have to oer and tell us how we can continue to serve an industry which means so much to its employees and the American economy. Thank you for your interest in CBA. RICHARD HUNT TIMOTHY WENNES CBA President and CEO Chairman, CBA Board of Directors @cajunbanker West Coast President, Head of Retail Banking & Wealth Markets MUFG Union Bank, N.A. Los Angeles, CA 2 CBA Board of Directors TIMOTHY WENNES (Chair) WILLIAM HOWLE (Chair Elect) ANDREW HARMENING (Past Chair) West Coast President, President of U.S. Retail Banking Group Senior Executive Vice President, Head of Retail Banking & Wealth Markets Citigroup Inc. Regional Banking Group Head MUFG Union Bank, N.A. New York, NY Bank of the West Los Angeles, CA San Francisco, CA BOB KOTTLER (Counselor to the Board) MICHAEL AUST NANDITA BAKHSHI Executive Vice President, Executive Vice President, Executive Vice President, Director of Retail & Small Business Director of Retail Banking Head of Consumer Bank IBERIABANK Comerica Bank TD Bank New Orleans, LA Dallas, TX Cherry Hill, NJ TODD BARNHART CHAD BORTON ROSS CAREY Executive Vice President, Executive Vice President, Executive Vice President, Divison Manager Head of Branch Banking Head of Consumer Bank U.S. Bank PNC Financial Services Group, Inc. Fifth Third Bank Salem, OR Pittsburgh, PA Cincinnati, OH BRAD CONNER JEFF DENNES RICHARD GOLD Vice Chairman, Consumer Banking Chief Digital Banking Officer, Head of Business Vice Chairman and Chief Risk Officer Citizens Financial Group Development and Digital Transformation M & T Bank Corporation Providence, RI BBVA Compass Buffalo, NY Houston, TX 3 CBA Board of Directors JEFFREY HOOPER KEN KIDO MICHELLE Y. LEE Executive Vice President, Executive Vice President, Local Distribution President, Community Banking National Consumer Lending Manager Capital One Financial Corporation for the Eastern Region SunTrust Banks, Inc. McLean, VA Wells Fargo Atlanta, GA Charlotte, NC CHRISTOPHER McCOMISH NITIN MHATRE MARY NAVARRO Executive Vice President Executive Vice President, Senior Executive Vice President, Personal & Commercial Banking Consumer and Business Banking Retail & Business Banking Director BMO Harris Bank Webster Bank, N.A. Huntington Bancshares Incorporated Chicago, IL Cheshire, CT Columbus, OH THONG NGUYEN JOHN OWEN MARK RENDULIC President, Retail Banking and Co-Head, Senior Executive Vice President, Executive Vice President, Consumer Banking Head of Business Groups Consumer Financial Services Bank of America Corporation Regions Financial Corporation First Niagara Bank, N.A. Charlotte, NC Birmingham, AL Buffalo, NY BARRY SOMMERS CLARKE STARNES MARIA TEDESCO Chief Executive Officer, Consumer Banking Senior Executive Vice President Managing Director, Retail Banking Chase & Chief Risk Officer Santander Bank, N.A. New York, NY BB&T Corporation Boston, MA Winston-Salem, NC 4 CBA Councils Education | Government Relations | Membership The Education Council advises CBA on its educational mission and helps promote unique opportunities for emerging bank leaders, including the CBA Executive Banking School and CBA OnSite Education. MARK RENDULIC, Chair Executive Vice President, Consumer Financial Services First Niagara Bank STACY BYERS | Senior Vice President, Human Resources Advisor, CitiBank STACY FISHER | Senior Vice President, Community Banking Leadership Development, Wells Fargo Bank, N.A. JEFF HOOPER�| Executive Vice President, National Consumer Lending Manager, SunTrust PAUL LEVENTHAL | Executive Vice President, Enterprise Revenue Office, U.S. Bank MARY MORAND | Professor of Finance, Bishop’s University BARBARA ROEHM | Senior Vice President, Retail Training Director, PNC Bank, N.A. CLARKE STARNES | Senior Executive Vice President & Chief Risk Officer, BB&T Corporation The Government Relations Council drives our advocacy efforts and sets our annual legislative and regulatory agenda. ROSS CAREY, Chair Executive Vice President, Divison Manager U.S. Bank MICHAEL AUST | Executive Vice President, Director, Retail Bank, Comerica JON BASS | Retail Lending Group Manager, Executive Vice President, BB&T Corporation LISA DACEY | Executive Vice President, Citigroup, Inc. PETE JONES | President, Mid-Atlantic Region, Wells Fargo and Company, Inc. CHARLES KIM | Executive Vice President and Chief Financial Officer, Commerce Bancshares, Inc. CLIFF MCCAULEY | Senior Executive Vice President, Frost Bank DAVE MILLER | Executive Vice President, Consumer Banking, First Tennessee Bank JOHN WARD | President, First American Bank 5 CBA Councils Education | Government Relations | Membership The Corporate Membership Council advises our team on how we can better serve our members and identifies potential areas of growth. BRAD CONNER, Chair Vice Chairman, Consumer Banking, Citizens Financial Group TODD BARNHART |Executive Vice President, Head of Branch Banking, PNC Financial Services Group, Inc. MARK ERHARDT |Senior Vice President, Retail Product Management, Fifth Third Bank BOB KOTTLER | Executive Vice President, Director, Retail & Small Business, IBERIABANK SHERIEF MELEIS | Managing Director, Novantas MARY NAVARRO | Senior Executive Vice President, Retail & Business Banking Director, Huntington Bancshares Incorporated The Associate Membership Council, a newly created group, assists in expanding the association’s affiliation with current sponsors and longtime supporters, and is developing and identifying potential sponsor opportunities. CHRIS McCOMISH, Co-Chair Executive Vice President, Personal & Commercial Banking BMO Harris Bank MARK PREGMON, Co-Chair Executive Vice President, Commercial Lending Operations PNC Bank, N.A. NANDITA BAKHSHI | Executive Vice President & Head of Consumer Bank, TD Bank 6 Mid-Tier Retail Executive Forum The Mid-Tier Retail Executive Forum provides heads of retail a platform to share insight on legislative and regulatory issues and discuss operational and management strategies. This unique space for peer-to-peer networking, discussion and meetings with top regulatory and legislative influencers was specifically created for members with assets in the $10-50 Billion range. BOB KOTTLER, Chair Executive Vice President, Director, Retail & Small Business IBERIABANK PETER BIGGS | Vice Chairman & Chief Retail Officer, Bank of Hawaii JIM BROCKLEHURST | Executive Vice President, Retail, FirstMerit Corporation SCOTT FISHER | Managing Director of Retail Channels, First Niagara Bank KEN MEEK | Chief Product Office, State Farm Bank NITIN MHATRE | Executive Vice President of Consumer and Business
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