Authors Charlotte Birch Charlotte Birch is senior vice president for member communications at ABA. Christine Cusatis Carmen Earle Chris Lafay Evan Sparks Evan Sparks is editor-in-chief of the ABA Banking Journal and vice president for publications at the American Bankers Association. Patrick Hatton Heidi Boe Jensen Howe Jess Moore Jackie Pysarchuk Byron Kinnaird Kim Russo Laura Taylor Larry Price Leslie Young Monica C. Meinert Monica C. Meinert is deputy editor of the ABA Banking Journal and a senior editor at the American Bankers Association, where she oversees ABA Daily Newsbytes. Dave Blahut Sarah Ankrapp Stephanie Dreyer Samantha Hall Brian Nixon Brian Nixon is a contributor to the ABA Banking Journal and a writer for ABA, where he edits Washington Perspective and Ag Banking Newsbytes. Carrie Eldrith Hernandez Hoa Nguyen Jennifer Lipner Jack McCabe Jack McCabe is a research associate in the Economic Policy and Research group at the ABA. Kerry O'Leary Kerry O'Leary is a senior writer at the ABA Banking Journal. Kate Young Kate Young is a senior editor at the ABA Banking Journal and editor of ABA Bank Marketing. Nathan Mansur Stephen Newton Stephen Newton is an economic research associate at ABA. Sarah Sain Tyler Mondres Tyler Mondres is a research specialist in ABA's Center for Payments and Cybersecurity and a frequent contributor on fintech topics to the ABA Banking Journal. Ashley Gunn Ashley Gunn is a senior banking analyst at ABA, where she covers mortgage lending and commercial real estate. Brittany Kleinpaste Brittany Kleinpaste is director of economic research at ABA, where she covers credit unions and ag banking, among other topics. Bert Ely Bert Ely is a consultant specializing in banking issues. He writes ABA's monthly Farm Credit Watch email bulletin. Corey Carlisle Corey Carlisle is senior vice president for bank community engagement at ABA and executive director of the ABA Community Engagement Foundation. Cristeena Naser Cristeena G. Naser is vice president and senior counsel in ABA's Center for Securities, Trusts and Investments and deputy general counsel at the ABA Securities Association. She edits ABA's HR Newsbytes e-bulletin. Dawn Causey Dawn Causey is general counsel at ABA and a contributor to the "Legal Briefs" column in the ABA Banking Journal. Danielle Hall Danielle Hall is an economic research manager at ABA. Frank Keating Frank Keating is the president and CEO of ABA. He served as governor of Oklahoma from 1995 to 2003. Hu Benton Hu Benton is vice president of banking policy at ABA. Hugo Dante Hugo Dante is a research associate in the Economic Policy and Research group at the ABA. James Chessen James Chessen is ABA's chief economist. John Ikard John Ikard is the 2014-2015 chairman of ABA and president and CEO of First Bank Holding Co., Lakewood, Colo. Jason Shafer Jason Shafer is vice president and senior counsel in ABA's Center for Securities, Trusts and Investments. Phoebe Papageorgiou Phoebe Papageorgiou is vice president for trust policy in ABA's Center for Securities, Trust and Investments. She authors ABA's Newsbytes: Wealth Management email bulletin. Bob Davis Bob Davis is executive vice president for mortgage markets, financial management and public policy at ABA. Rob Rowe Rob Rowe is vice president and associate chief counsel for regulatory compliance at ABA. Steve Kenneally Steve Kenneally is a vice president in ABA's Center for Payments and Cybersecurity. Tim Nicholson Tim Nicholson is an economic research associate at ABA. Thomas Pinder Thomas Pinder is senior vice president and senior counsel for litigation in the office of ABA's general counsel. Ginny O'Neill Ginny O'Neill is senior vice president and director of the Center for Regulatory Compliance at ABA. ABA Banking Journal Guest Contributor ABA Banking Journal Staff Barry Mills Barry Mills Jr. is a senior regulatory adviser at the American Bankers Association. Cara Wick Cara Wick is a "From the Vault" columnist for the ABA Banking Journal and a senior business reporting analyst at BB&T Corporation in Winston-Salem, N.C. Debra Cope Debra Cope is editor-in-chief of ABA Banking Journal Directors Briefing. Guest Contributor John Steele Gordon John Steele Gordon, the ABA Banking Journal's "From the Vault" columnist, is an acclaimed economic historian. His books include An Empire of Wealth, Hamilton’s Blessing and The Great Game. Julie Knudson A freelance writer in the Pacific Northwest, Julie Knudson is a frequent contributor to the ABA Banking Journal. Jeff Szyperski ABA Chairman Jeff Szyperski is chairman, president and CEO of Chesapeake Bank, Kilmarnock, Va. Michael Gullette Michael Gullette is vice president for accounting and financial management policy at ABA. Rob Morgan Rob Morgan is vice president for emerging technologies at the American Bankers Association. Steve Apodaca Steve Apodaca is senior vice president for agricultural and rural banking at ABA. Shaun Kern Shaun Kern is senior counsel in ABA's Office of Regulatory Policy and co-host of the ABA Banking Journal Podcast. Toni Cannady Toni Cannady is a senior research assistance in ABA's Center for Regulatory Compliance. Timothy Keehan Timothy Keehan is vice president and senior counsel at ABA.