THIRD QUARTER 2016
Dynamic.Proactive.Resourceful. Proudly Celebrating 120 Years (1896-2016)
MBA Launches New Logo to Coincide with its 120th Annual Convention A New Image That Reflects Our Dynamic Industry see page 7
THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION
Maryland Bank Services, Inc., a Maryland Bankers Association subsidiary, works with qualified vendors to provide products and services that allow members to enhance revenue or reduce expenses. By seeking opportunities to leverage the collective buying power of the industry, Maryland Bank Services helps financial institutions and preferred providers achieve greater value from their membership.
Maryland Bank Services Preferred Providers Can Help!
Board Portal FIS
BOLI and Compensation Plans Equias Alliance, LLC Compliance Services Thomas Compliance Associates, Inc. CRA Solutions CRA Partners
Credit Cards ICBA Bancard
Debit Cards Discover Debit
D&O and Bond Insurance ABA Insurance Services Disaster Recovery Services Agility Recovery Solutions Document Destruction Cintas Corporation
Energy Consulting APPI Energy Financial Literacy EverFi, Inc. Fixed-Income Investments ICBA Securities Flood Certifications Flood Zone Determination Services, LLC Identity Theft Thumbprint Signature News, Data & Analytics SNL Financial On Hold & Lobby Marketing Works24 Printing & Supplies One Point Property and Casualty Insurance Zurich American Insurance Company
Employee Benefits Consulting L.R. Webber Associates, Inc.
Maryland Bank Services also works with ABA’s Corporation for American Banking and ICBA to offer additional member benefits from companies affiliated with these national organizations.
These Corporations Can Also Help! MBA Benefits Alliance A non-stock corporation, working with L.R. Webber Associates, Inc., that provides a high quality, competitive, self-funding health insurance program for MBA member banks. Compliance Alliance A company owned in part by the Maryland Bankers Association, including 25 other state bankers associations, is an unique and innovative tool created exclusively for bankers by bankers to help ease the compliance and regulatory requirements that banks face.
CHAIRMAN George D. Swygert, Jr. Regional Executive Capital One, N.A.
THIRD QUARTER 2016
CHAIRMAN-ELECT Ralph W. Emerson Jr. Senior Vice President M&T Bank VICE CHAIRMAN Kenneth C. Cook Co-President & CEO Revere Bank
Dynamic.Proactive.Resourceful. Proudly Celebrating 120 Years (1896-2016)
Contents
MBA Launches New Logo to Coincide with its 120th Annual Convention A New Image That Reflects Our Dynamic Industry see page 7
THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION
PAST CHAIRMAN Daniel J. Schrider President and CEO Sandy Spring Bank
Dynamic.Proactive.Resourceful. Proudly Celebrating 120 Years (1896-2016)
President & CEO Kathleen M. Murphy
186 Duke of Gloucester St. Annapolis, MD 21401 410-269-5977 / 800-327-5977 www.mdbankers.com
Maryland Bankers Association
Publication Editor Cynthia L. Gentilcore
Maryland Bankers Association
Board of Directors James M. Anthony Chief Operating Officer, Severn Savings Bank
Dan Schrider, MBA’s immediate past chairman and president and CEO of Sandy Spring Bank, officially passes the gavel to newly-elected MBA Chairman George Swygert, regional executive of Capital One, N.A.
10 cover
MBA Launches New Logo to Coincide with its 120th Annual Convention
Andrew M. Bertamini Regional President, Maryland Market, Wells Fargo Bank, N.A. James R. Bosley Jr. President and CEO, Farmers & Merchants Bank Joseph L. Clarke Senior Vice President, Chief Deposit Sales Officer, EagleBank Sam DiPaola President, Maryland, SunTrust Bank Robert E. Goetz Jr. President, Middletown Valley Bank Raymond W. Hamm Jr. Market Executive Greater Maryland, Executive Vice President, PNC Bank, N.A. Gilbert F. Kennedy III President and CEO, Colombo Bank Kim Liddell Chairman, President and CEO,1880 Bank
message from immediate past chairman Our Collaboration Makes Us a Powerful Force
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message from the chairman MBA – Our Industry’s Innovator 5
05 message from the president A Hopeful Future Drives Us
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Fourth Annual Conference of the Council of Professional Women in Banking and Finance
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William J. Pasenelli President and CEO, Community Bank of the Chesapeake Carissa L. Rodeheaver Chairman, CEO and President, First United Bank & Trust John A. Scaldara Jr. Chairman and CEO, The Columbia Bank Raymond Thompson President and CEO, Calvin B. Taylor Banking Company
Dynamic.Proactive.Resourceful. Proudly Celebrating 120 Years (1896-2016)
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DEPARTMENTS: news and notes 12 professional development calendar 14
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Third Quarter 2016 | 3
Message from the Immediate Past Chairman DANIEL J. SCHRIDER |
MBA IMMEDIATE PAST CHAIRMAN PRESIDENT AND CEO SANDY SPRING BANK
Our Collaboration Makes Us a Powerful Force
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s MBA proudly celebrates its 120th year (1896-2016), We must strive to instill that same sense of adventure I too am celebrating, you, our members – for your and innovation in those who work in our companies. Things dedication to improving your banks and your future. are changing so quickly, and just because what we did in the This past year I have had the honor of serving as your past worked well, it does not predict how our companies will chairman – and this experience has further reminded me – perform in the future. and humbled me – about what makes our industry unique. One of my favorite leadership speakers, Simon Sinek When I look back again at what MBA’s first Chairman said, “The challenge of the unknown future is so much Enoch Pratt said back in 1896 at MBA’s more exciting than the stories of the first annual convention, you realize accomplished past.” just how forward-thinking our Your association has had to leadership and members were: “… I evolve too. Dynamic, Proactive, hope and trust that the organization Resourceful – three powerful words that we have formed today will prove embody your association today. And We must embrace the changes a very great benefit to our state and these words reflect what it has meant we’ve seen in terms of global city, as we are now consolidated for the Maryland Bankers Association economic growth, advances for the purposes of protection to serve our industry for the past 120 in technology and service and for purposes of aiding and years. Collectively, for the health of sustaining each other. … It is of great our industry, we have embraced change. delivery, the competitive importance to us that we should have Our history as an association and landscape and, most certainly, unity. It is of very great consequence our time together as an industry will the changes in our customers that we should sustain each other and never be our greatest enemy – instead, and stakeholders’ attitudes act in common.” Still so true today, that history and time together create 120 years later. our greatest ENERGY. and expectations. This year’s convention theme, “See So invest in your, no, OUR future the Possible,” captured the reality banking leaders and encourage them to that we must focus on the future become engaged with YOUR Association and seek the constant opportunity to seek out the opportunities that avail to evolve. As I further reflected on what it means to “See them through their involvement with the MBA. They are the the Possible,” it reminded me that we as banking leaders ones to guide us toward the next 120 years. must continually initiate and innovate in ways that create Again, I am honored to have served as your MBA advantage, minimize risk and sustain performance. chairman. It is our collaboration, along with working We must embrace the changes we’ve seen in terms together as one voice through the Maryland Bankers of global economic growth, advances in technology and Association, which makes us a powerful force. ■ service delivery, the competitive landscape and, most certainly, the changes in our customers and stakeholders’ Dan Schrider is the immediate past chairman of the Maryland attitudes and expectations. Bankers Association. Reach him at dschrider@sandyspringbank.com. 4 | The Maryland Banker
Message from the Chairman EORGE D. SWYGERT, JR. | MBA CHAIRMAN G REGIONAL EXECUTIVE CAPITAL ONE, N.A.
MBA – Our Industry’s Innovator
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one of us has a crystal ball to see with complete certainty into the future. However, I do know that our industry is innovating – it is changing, it is transforming and is undergoing new and innovative ways of providing financial services. The Maryland Bankers Association’s 120 years of history shows a deep connection of banking to innovation, economic prosperity and American dreams, led by great leaders of our industry here in Maryland. Today, we face the important task of preparing the next generation of banking leaders to continue the enduring legacy of banking in Maryland for the next 120 years. With that in mind, we are excited to announce the Emerging Leader Champion Program. This is a new oneyear program for bankers who are interested in furthering their careers in banking and giving them an opportunity to be more involved in their industry by becoming experts in the workings of the Maryland Bankers Association. You will be hearing much more about this program in the next few weeks as we launch the inaugural year. Consider engaging the next generation, both in their careers and in our industry. Our 2015-2018 priorities converge in three areas that are guiding the MBA in equipping our members for continued relevance and success in a rapidly changing world, they are: 1. Strengthening member engagement 2. Maintaining our “rock star” advocacy 3. Ensuring the association’s long-term sustainability When we look at member engagement, it is achieved in a variety of ways, not the least of which is to connect with employees throughout your banks – the 40,000 bank employees in Maryland. Opportunities abound for bankers to engage with the MBA through political involvement, professional development, community service initiatives and more.
Think of the MBA as our industry’s innovator, introducing new methods, ideas, and solutions that provide significant opportunities both for your bank and your employees to help our members better serve customers and clients for the future. 120 years ago the industry came together for “common interests” and that goal of advocacy strength is even more critical today. This year the MBA will be creating targeted outreach events for key policy-makers and our members where we will spotlight the role banks serve in communities across Maryland and, we will be focusing on expanding participation in Maryland BankPAC, a key component of our advocacy success. You will also be hearing about new and exciting things surrounding Maryland Bank Services, Inc., a Maryland Bankers Association subsidiary, that works with qualified industry service providers which provide products and services that allow members to enhance revenue or reduce expenses. By seeking opportunities to leverage the collective buying power of the industry, Maryland Bank Services helps financial institutions and preferred providers achieve greater value from their membership. So stay tuned! It is my hope that 120 years from now, banking leaders will look back and be grateful that we could “see the possible” and adapt to the sea changes in our industry and in our lives. They will realize that we didn’t complain (much) about those changes and instead went about the business of continuing to be dynamic, proactive and resourceful. I am excited about future! It is an honor to serve you in MBA’s 120th year. ■ George Swygert is the chairman of the Maryland Bankers Association. Reach him at george.swygert@capitalone.com. Third Quarter 2016 | 5
November 5, 2014 CFO & Financial BWI Marriott Hotel Management Forum Linthicum, MD
December 7Ǧ8, 2016
Earn CPE credits and gain insight into the wideǦsweeping financial, technical and regulatory issues facing the industry today. Tenth Annual
Economic Outlook Forum
The “First Friday” Economic Outlook Forum showcases economic experts who will share valuable information with bankers and business leaders about both current events and the future of the region’s economy.
Please contact MBA’s Pat Holle (443Ǧ837Ǧ1607 | pholle@mdbankers.com) or Ann DeVilbiss (443Ǧ837Ǧ1606 | adevilbiss@mdbankers.com) for additional information on these events.
Message from the President KATHLEEN M. MURPHY | PRESIDENT & CEO MARYLAND BANKERS ASSOCIATION
A Hopeful Future Drives Us
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his time of year in Annapolis really takes your breath On June 3, 2016 we announced that the MBA’s away. Aside from the beauty of nature waking up dynamic, proactive and resourceful momentum is from a long, rainy and cold winter and spring, the depicted in a clean, fresh and energizing new logo. This Chesapeake Bay is alive with regattas, cruising boats and logo was prominent at the MBA’s 120th Anniversary paddle boarders as the water temperature is more bearable Convention which was held June 5-8, 2016, and is now now. We celebrated the annual rite of passage for the visible through all of MBA’s communication channels. I Naval Academy midshipmen as they hope that you share our excitement completed Commissioning Week and and enthusiasm! the city is abounding with visitors Complementing our evolution, from around the world. we are transitioning from the As I think about Annapolis’ history current format of the print-based – these perennial events occurring for The Maryland Banker magazine and generations – and see the Maryland the electronic Maryland Weekly Dynamic.Proactive.Resourceful. statehouse dome rising high above the e-communication by combining the Proudly Celebrating 120 Years (1896-2016) rooftops as it has for 244 years, I am best of both publications into a new, celebrating the 120-year history of the more timely communication format. Maryland Bankers Association! And You will be hearing more about this I am also so enthusiastic about what later this summer. lies ahead. The Maryland Bankers We celebrate the past and face Association’s momentum is driven by a the present with realism, yet it is committed board of directors, engaged a hopeful future that drives us. I We celebrate the past members and a staff team that is second hope that you will agree that, as to none. It’s also propelled by the MBA begins its next 120 years, the and face the present with possibilities that are before us as we positive excitement will be captured realism, yet it is a hopeful identify and mentor the next generation in MBA’s new image that reflects a of banking leaders in our organizations, dynamic industry. ■ future that drives us. adapt products and services and delivery channels to emerging customer It’s my honor to serve this great industry. preferences and embrace technology, Please contact me at any time to discuss which has become a great equalizer issues of importance to you at kmurphy@ within our diverse industry. mdbankers.com or 443-837-1601. Third Quarter 2016 | 7
Fourth Annual Conference of the Council of Professional Women in Banking and Finance
‘Your Life, Your Success’
2016 Achievement Award Barbara Mulitz, Trust Officer, Sandy Spring Bank This award celebrates a woman who has achieved success within a senior role or executive role and who has excelled in their professional field in banking and/ or finance who has also shown an ability to use their skills outside of their own career by their service within the community.
“Live Your Life engaged with confidence and passion knowing that you are communicating the best version of you for Your Success” was the focus of this year’s conference. A truly “spectacular” day it was on May 5 at Martin’s West in Baltimore, with over 320 in attendance. Many said was an informative, inspirational and motivating event with engaging speakers, who were all excellent, and provided great networking opportunities. Now in its fourth year, the Council of Professional Women in Banking and Finance’s program continues to generate even more excitement and enthusiasm each year, growing even stronger to provide opportunities to encourage and inspire women, and men, both personally and professionally, and to discover new opportunities to connect, learn and empower one another. This annual conference not only draws banking and finance professionals, it also brings together women leaders from other industries, all who find value in being a part of something unique in what this Council offers. ■
2016 Champion for Women Award Michael L. Middleton, Executive Chairman, Community Bank of the Chesapeake This award recognizes a senior or executive (male or female) who through personal commitment, continuously promotes and inspires women in the workplace to reach their full potential.
2016 Achievement Honors Pictured (left to right): Ellen Fish, executive vice president, Hamilton Bank; Mary Pat Fleming, senior vice president and senior operations officer, Revere Bank; Melissa Quirk, president and COO, Provident State Bank; Lisa Rhodes, vice president of retail support, The Columbia Bank; and Kathy Stevens, vice president and client relationship officer, Middletown Valley Bank. Not pictured: Debbie Abbott, senior vice president, The Bank of Delmarva.
2016 Lifetime Achievement Award Carissa L. Rodeheaver, Chairman, CEO and President, First United Bank & Trust This award honors a woman for outstanding service, accomplishments and contributions spanning a career in banking and/or finance. The award is presented to an individual who has had an extraordinary career.
8 | The Maryland Banker
The Achievement Honors designation recognizes women who have demonstrated qualities of leadership and excellence in both their professional and personal endeavors as well as their contributions in their community.
Mark your calendar for next year’s Fifth Annual Conference to be held on Thursday, May 4, 2017.
We express our sincere gratitude to the following conference sponsors who through their sponsorship have embraced the mission of the Council of Professional Women in Banking and Finance: MARQUEE SPONSOR Wells Fargo Bank, N.A. DIAMOND SPONSOR Capital One Bank PLATINUM SPONSOR Bank of America POWER LUNCH SPONSOR Frederick County Bank NETWORKING BREAK SPONSOR M&T Bank
GOLD SPONSORS CNB Community Bank of the Chesapeake Damascus Community Bank DBSI Federal Home Loan Bank of Atlanta First United Bank & Trust Sandy Spring Bank The Columbia Bank The Harbor Bank of Maryland Thomas Compliance Associates, Inc. OPENING RECEPTION SPONSORS Chesapeake Bank of Maryland Queenstown Bank of Maryland
2016 Philanthropy Initiative ‘Embrace Life, Nurture Success’ Food Drive With the support of bankers across the state, the “Embrace Life, Nurture Success” Food Drive was the largest of the year for the Maryland Food Bank. The Council of Professional Women in Banking and Finance’s philanthropy mission is about leadership and inspiration and this year’s philanthropy initiative, “Embrace Life, Nurture Success” Food Drive will help the Maryland Food Bank in its mission to lead the movement and nurture the belief that together we can improve the lives of Marylanders by ending hunger. The “Embrace Life, Nurture Success” Food Drive collected a grand total of 45,810 pounds of food! According to Beth Wedekind, events manager for the Maryland Food Bank, the total volume of food collected by the 30 banks and organizations across the state this year is the largest food drive to date for the organization. “We are inspired by this outpouring of support from the Maryland Bankers Association,” said Beth Martino, president and CEO of the Maryland Food Bank. “As a result of this statewide food drive, the Maryland Food Bank will be able to distribute an additional 41,500 meals to individuals and families struggling with hunger.” ■ Congratulations to the following 30 participating banks and organizations on this incredible accomplishment! Thank you for helping to improve the lives of Marylanders by ending hunger. 1880 Bank Arundel Federal Savings Bank Bank of Ocean City Calvin B. Taylor Banking Company Capital One Bank Carroll Community Bank CFG Community Bank Chesapeake Bank of Maryland CNB Community Bank of the Chesapeake Farmers & Merchants Bank First United Bank & Trust Frederick County Bank Hamilton Bank Harford Bank
Homewood Federal Savings Bank Howard Bank M&T Bank Maryland Bankers Association New Windsor State Bank Old Line Bank Provident State Bank Queenstown Bank of Maryland Rosedale Federal Savings & Loan Association Sandy Spring Bank Shore Bancshares, Inc. The Harbor Bank of Maryland The Talbot Bank of Easton, Maryland WashingtonFirst Bank Wells Fargo Bank
The Council of Professional Women in Banking and Finance Advisory Board CHAIR
Irvina Mallory
Senior Vice President, Business and Retail Banking Officer The Harbor Bank of Maryland
VICE CHAIR
Michele Moore
Area President. Senior Vice President Wells Fargo Bank, N.A.
Mary Barry
Business Development Officer Frederick County Bank
Robert DeAlmeida
Former MBA Chairman, President, CEO Hamilton Bank
Linda Kinslow
Vice President/ Operations Manager Middletown Valley Bank
Christy Lombardi
Chief Administrative Officer Community Bank of the Chesapeake
Robin Murray
Senior Vice President, Director of Retail Banking First United Bank & Trust
Dushanti Peiris
Vice President Sandy Spring Bank
Andrea Pelletier
Senior Vice President, Senior Client Manager Bank of America
Denise Pope
Senior Vice President, Retail Banking WashingtonFirst Bank
Sally Proto
District Manager Capital One Bank
Holly Rhodes
Marketing, Advertising Manager Queenstown Bank of Maryland
Carissa Rodeheaver
Chairman, President, CEO
First United Bank & Trust Gail Smith Executive Vice President, COO Chesapeake Bank of Maryland
Karen A. Stiltner Vice President, Relationship Manager M&T Bank
Jennifer Tyler Assistant Vice President, Bank Center Manager Frederick County Bank
Third Quarter 2016 | 9
Dynamic.Proactive.Resourceful. Proudly Celebrating 120 Years (1896-2016)
MBA Launches New Logo to Coincide with its 120th Annual Convention
A New Image That Reflects Our Dynamic Industry
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ven Tropical Storm Colin and delayed shipments – including name badges – couldn’t stop the 120th MBA Annual Convention from being a big success! Held June 5-8, 2016, at the Omni Amelia Island, over 350 bankers, spouses, guests and sponsors engaged in a productive threeday meeting filled with educational sessions and networking events. The days were filled with 12 early sessions with topics from legal and regulatory issues, executive retention strategies, investment guidance, and much more. General Sessions were held each day with topics on governance, balance sheet management, key technology advances and attracting new customers and expert staff. Attendees even joined in helping to make lemonade out of lemons, using unconventional red Solo cups as name tags. Our members showed once again their ability to adapt! Here are some highlights: Newly-Elected MBA Officers (Left to Right): Ken Cook, MBA vice-chairman and co-president and CEO of Revere Bank; Buddy Emerson, MBA chairman-elect and senior vice president of M&T Bank; George Swygert, MBA chairman and regional executive of Capital One, N.A.; and Dan Schrider, immediate past chairman, president and CEO of Sandy Spring Bank.
Julie and Ken Cook (Revere Bank) and Dedi and Dan Schrider (Sandy Spring Bank and MBA Chairman) help kick off the opening night's dinner showing off creative substitute name tag ideas.
Lt. Col Robert Darling USMC (Ret.) closes the convention with a moving, eyewitness account of being inside the President’s Bunker following the 9/11 attack.
Carissa and Scott Rodeheaver (First United Bank & Trust).
Mark your calendar MBA’s 2017 Annual Convention to be held on June 4-7, 2017 at Charleston Place in Charleston, South Carolina. 10 | The Maryland Banker
Brian Gaeng (BlueRidge Bank and MBA Convention Planning Committee Chair) with Anita Fenichel, ICBA Securities.
GF_Banker'sNewsletter 2/3/16 3:56 PM Page 1
The leaders in providing legal advice to Maryland’s financial services industry
D. Robert Enten David S. Musgrave MBA President and CEO Kathleen Murphy discusses the 120-year history of the Maryland Bankers Association and the exciting future ahead.
Marjorie A. Corwin Peter B. Rosenwald, II Christopher R. Rahl Andrew D. Bulgin John C. Morton Attorneys at Law 233 E. Redwood Street n Baltimore, MD 21202 410-576-4000 n www.gfrlaw.com
New MBA Chairman George Swygert (Capital One) shares his goals for the coming year.
A Special Thank You to our 2016 Convention Sponsors! 1880 Bank All Covered Ambassador Financial Group Atlantic Community Bankers Bank Arundel Federal Savings Bank Bank of America Bankers Healthcare Group BB&T BFS Capital Capital One ChaseCompGroup Chesapeake Bank of Maryland Community Bank of the Chesapeake Community Bankers Bank Compliance Alliance CNB Discover Debit Dixon Hughes Goodman LLP Duncan-Williams, Inc. Equias Alliance, LLC
Farmers & Merchants Bank Federal Home Loan Bank of Atlanta First United Bank & Trust FIS Global Goodwin Procter Gordon Feinblatt Griffin Financial Group Hofmeister, Breza & Leavers Howard Bank ICBA Securities Innovative Financing Solutions Invictus Consulting Group Kafafian Group, Inc. Keefe, Bruyette & Woods, A Stifel Company Kilpatrick Townsend & Stockton L.R. Webber Associates, Inc. Luse Gorman, PC M&T Bank Maryland Financial Bank Meyer Chatfield
New Windsor State Bank Ober | Kaler Olsen Palmer LLC Pacific Coast Bankers Bank Paladin fs Pentegra Retirement Services PNC Bank Revere Bank Rosedale Federal Savings & Loan Association Rowles & Company, LLP Sandler O’Neill Sandy Spring Bank SunTrust Bank TGM Group The Bank of Glen Burnie The Columbia Bank Thomas Compliance Associates Travelers Zurich American Insurance
Third Quarter 2016 | 11
News & Notes
Members on the Move
Amanda Baxley
Stephanie Fountain
John D. Long
Horacio Chacon
Cathy Frattali
Arundel Federal Savings Bank opened a new loan office at its Severna Park branch. The loan office is equipped to handle Arundel Federal’s complete line of residential mortgage products including fixed-term first and second mortgages, adjustable rate mortgages and home equity lines of credit. The new loan office is staffed by seasoned Loan Originator Amanda Baxley, who transferred from the bank’s Pasadena branch loan office to the new office. The bank’s Pasadena loan office will be now staffed by another seasoned loan originator, Stephanie Fountain, who transferred from the bank’s Annapolis loan office. John D. Long was named president and CEO of The Bank of Glen Burnie. Long brings with him over 37 years of experience in the financial services sector as an analytical and detail-oriented commercial banking professional with extensive experience in commercial real estate and C&I loan production, bank acquisition, portfolio due diligence, distressed asset loan resolution, construction and land development lending, cash management and real estate equity investments. His most recent employment was with PNC Financial Services where he spent 14 years, initially in the bank’s mortgage corporation and for the past five years with the bank’s asset resolution team where he functioned as a senior group manager in the Mid‐Atlantic market. Horacio Chacon joined Carroll Community Bank as the new senior vice president of commercial banking at the bank’s Bethesda location. He will be responsible for expanding the bank’s commercial market share in Montgomery County and surrounding markets. Chacon brings over 25 years of banking experience to Carroll Community Bank. Prior to joining Carroll Community Bank, Chacon served as senior banking services advisor and vice president of wealth management at PNC. Louis Hubberman joined Maryland Financial Bank as senior vice president and chief credit officer. He will manage the credit function for the bank as well as loan administration, asset quality monitoring and distressed assets. 12 | The Maryland Banker
Laura Heikes
Robert LeCompte
Lori Wrightson
Joseph Pulver
New Windsor State Bank appointed Cathy Frattali as its new business center manager at its Mount Airy Branch. Frattali joins New Windsor State Bank with over 10 years of experience in the financial industry. She will be focusing on helping families and businesses achieve their financial goals. The Talbot Bank, a member of Shore Bancshares community of companies, is proud to recognize Laura Heikes for 30 years of dedicated service. Heikes was a customer of The Talbot Bank in 1986 and enjoyed the customer experience to the point that it inspired her to join the company that same year as an assistant to the comptroller. She has held various positions during her career at The Talbot Bank such as manager of loan administration, compliance officer and senior vice president of operations, compliance and security. In 2013, she was promoted to her current position as senior vice president of branch administration. The Talbot Bank promoted Robert LeCompte to assistant vice president. LeCompte joined the bank in September of 2014 as a credit analyst and was promoted to senior credit analyst in April of 2015. In his new position, LeCompte is responsible for analyzing credit risks associated with commercial loans for local businesses. TD Bank promoted Ndubisi Akweke to store manager of its Laurel location. He is responsible for new business development, consumer and business lending, managing personnel and overseeing the day-to-day operations at the store serving customers throughout the area. He joined the bank in 2006 as a customer service representative and later served as a senior customer service representative before his most recent position as assistant store manager. Bianca Larogian was promoted to assistant vice president and store manager of TD Bank’s Gaithersburg location. She is responsible for new business development, consumer and business lending, managing personnel and overseeing the day-to-day operations at the store. Larogian joined the bank in 2011 as a teller and later served as a customer service representative and a senior customer service representative before her most recent position as assistant store manager.
Members in the Community Julia Omotade joined TD Bank as store manager of its new Bethesda location. She is responsible for new business development, consumer and business lending, managing personnel and overseeing the day-to-day operations at the new store. Prior to joining the bank she served as a vice president at M&T Bank (Provident) for 13 years, holding various leadership roles in retail banking, commercial banking, business banking and financial advising. Lori Wrightson joined Wye Financial & Trust, a division of CNB and a member of Shore Bancshares community of companies, as wealth management operations manager. She will be responsible for managing operations and compliance in accordance with industry compliance guidelines. Wrightson will oversee the management of client accounts as well as deliver personal investment solutions to help clients work towards their long-term financial goals. Prior to joining Wye Financial & Trust, she was with PNC Wealth Management for eight years serving in a variety of different positions. The following three individuals have joined PWCampbell’s team: Roland Brauer III, graphics installation manager, to coordinate fixtures, signage and other merchandising components, from initial concept to installation. Jeffrey Giuggio, project manager, providing oversight of daily activities for design/build projects and coordinating plans and specifications, schedules and budgets to ensure complete client satisfaction. Kurt Liebmann, architectural coordinator, for PWCampbell’s wholly-owned subsidiary, Studio 109 Designs, LLC. His primary responsibilities will include generating and reviewing schematic drawings and architectural construction documents. Joseph Pulver was named partner at Shapiro Sher in Baltimore. Previously an associate, he has played a critical role in the growth of the firm’s banking & financial services practice, which represents financial institutions throughout the Mid-Atlantic. Pulver primarily counsels lenders in commercial loan workouts and restructuring. He also represents clients in state and federal courts on a variety of other business and bankruptcy issues. ■
‘Full of Life and Raring to Go’ We extend our congratulations to Michael Livingston; after nearly 20 years with The Bank of Glen Burnie, he retired on March 31 from his position as president and CEO. We wish him all the best in his well-earned retirement and thank him for his enormous contributions to the MBA and for his years of service to the banking industry. ■ Michael Livingston
Two Maryland Bankers Named in The Daily Record’s 2016 Top 100 Women Congratulations to Carla Nealy, executive vice president and COO of The Harbor Bank of Maryland, and Monica Mitchell, vice president and senior relationship manager of Wells Fargo Bank on being named among The Daily Record’s 2016 Top 100 Women. Mitchell, a three-time recipient, will be inducted into the Circle of Excellence. ■
Governor Hogan Appoints Revere Bank’s Woo to MEDCO Board In March, Revere Bank’s Senior Vice President Rick Woo was appointed to the Maryland Economic Development Corporation (MEDCO) board of directors by Gov. Larry Hogan. MEDCO was established in 1884 to relieve unemployment, encourage business activity and a balanced economy, help retain and attract business activity, promote economic development and promote the health, safety, right of gainful employment and welfare of residents of Maryland. As a member of the board, Woo is responsible for providing guidance to the executive director, reviewing the corporation’s financial status and approving its policies, procedures and potential future. Woo will serve a four-year term. ■
Dynamic.Proactive.Resourceful.
Welcome New Members Associate Members: • B luePay, LLC
• E legant Restoration Inc.
• B oenning & Scattergood Inc.
• R osenberg Martin Greenberg
Third Quarter 2016 | 13
Mar yland Bankers Association Professional Development Calendar Dynamic.Proactive.Resourceful. Proudly Celebrating 120 Years (1896-2016)
A Local ABA Training Provider
SPECIAL EVENTS
August 1-5 Maryland Banking School SEMINARS, WEBINARS, SCHOOLS AND ONLINE TRAINING Compliance August 9-10
Sales & Marketing 2016 Bank Secrecy Act Two Day School (PBS)
Managing the Bank’s Investment Portfolio (ABA)
General Banking July 11 July 18 July 18 July 25
Money & Banking (ABA) Law & Banking: Applications (ABA) Economics for Bankers (ABA) Supervisor Certificate (ABA) Law & Banking: Principles (ABA) Supervisor Certificate (ABA) General Accounting (ABA)
HR Management September 13 Top 10 Rules of Leadership for Community Banks (GSB) October 4-6
Marketing Financial Services (ABA)
September 15 Converting Customer Satisfaction into Customer Loyalty (GSB)
Finance August 1
July 18
Understanding the Factors that Drive Bank Profitability (GSB)
September 26 Leading the Prospecting Effort (GSB) October 5
How to Build an Employee Referral Program that Works (GSB)
October 6
Using Research to Improve Your Decisions and Guide Your Future (GSB)
Building Your Brand on a Limited Budget (GSB)
October 17
Getting in the Door with Prospects (GSB)
Security & Technology July 11
Certified Banking Security Technology Professional (SBS)
August 8
Certified Banking Security Manager (SBS)
August 15
Certified Banking Ethical Hacker (SBS)
August 22
Certified Banking Mobile Administrator (SBS)
Certified Banking Vulnerability Assessor (SBS)
September 7
Dissect Your Acceptable Use Policy (GSB)
Managing Generations in Today’s Workplace (GSB)
September 12 Certified Banking Forensics Investigator (SBS) Certified Banking Vendor Manager (SBS)
July 11
Consumer Lending (ABA)
Certified Banking Incident Handler (SBS)
Intro to Mortgage Lending (ABA)
October 10
Certified Banking Business Continuity Professional (SBS)
July 18
Intro to Agricultural Lending (ABA)
October 23-28 Bank Technology Security School (GSB)
August 1
Analyzing Financial Statements (ABA)
October 24
August 8
Commercial Lending (ABA)
Financial Statement Projections (GSB)
Problem Loan Identification and Prevention (GSB)
Advanced Tax Return Analysis (GSB)
Business Cash Flow Basics (GSB)
Understanding C&I Loan Structuring (GSB)
October 4
Intro to Consumer Lending (GSB)
October 6
Successful Workout Strategies for Problem Loans (GSB)
October 7
Lending
September 19 Certified Banking Cybersecurity Manager (SBS)
Certified Banking Security Executive (SBS)
Trust August 8
Basic Administrative Duties of a Trustee (ABA)
September 6
IRA Online Institute (ABA)
September 7
IRA Basics (GSB)
September 14 The World of Trusts for Bankers (GSB)
IRA Beneficiary Distributions (GSB)
October 5
IRA Contributions (GSB)
For detailed and updated information on all professional development programs, visit the Calendar section of the MBA’s website at www.mdbankers.com.
Year 1:
Foundation and overview Year 2:
Practical
Application of concepts Year 3:
Integration of concepts from all disciplines “After spending 16 years in retail and commercial banking, I had the honor of attending the Maryland Banking School. As a graduate of the school and leader at EagleBank, I have enrolled a new team member each year since graduating. While there are many highlights from my three years attending the school, the Capstone Project provided me with the outlet to display my knowledge in all areas of banking; marketing, finance, operations and human resources to senior leaders within my financial institution. This strong foundation continues to strengthen my future as I make suggestions and changes within my own area of responsibility.“ Joseph L. Clarke, EagleBank, MBS Class of 2011 For more information please contact MBA’s Patricia Holle (443-837-1607|pholle@mdbankers.com) or Ann DeVilbiss (443-837-1606|adevilbiss@mdbankers.com)