 Monica Bolin
NContracts
Prior Experience
Ms. Bolin has a wide array of experience working with large regional financial institutions as well as smaller community banks. She has performed operational reviews, staffing assessments and internal audits of enterprise-wide bank operations, including regulatory compliance programs, risk assessments, vendor management, disaster recovery, policy reviews, loan review and due diligence reviews.
She was the Chief Risk Officer at a publicly-traded institution with total assets of $560 million. In that role, she was responsible for Enterprise Risk Management, assessing adequacy of risk assessments and internal controls, regulatory compliance management program reviews, ongoing management of the internal and external loan review process, post-closing loan reviews and all internal audit programs. Additional responsibilities included oversight of all internal and external audits and reviews/monitoring of all recommendations, board report preparation, strategic planning, ALCO, Asset Monitoring, appraisal reviews, preparing quarterly Audit Committee packets, Director Loan Committee participant, and member of Compliance and IT Committees. Prior to her CRO role, Ms. Bolin was Senior Vice President of Credit Administration, responsible for all loan operations, including loan servicing, documentation/perfection and loan compliance. She monitored and updated all loan-related policies and performed all internal loan reviews.
She also spent 6 years at CBI Loan Review (holding company for Commerce Bancshares), including as Western Region Manager. She was responsible for managing and supervising a team of staff members, performing affiliate bank loan reviews, acting as liaison between the holding company and affiliate banks, providing reports and value to both the affiliate banks and the holding company.
| Monica Bolin
NContracts | Monica Bolin is the Risk Management Expert at Ncontracts. Over the last 30+ years, Monica has gained extensive financial institution management and consulting experience, particularly in risk management, loan review, commercial lending, internal audit/compliance and loan operations. She has presented at conferences and webinars, as well as authoring blogs and articles for publications.
Prior Experience
Ms. Bolin has a wide array of experience working with large regional financial institutions as well as smaller community banks. She has performed operational reviews, staffing assessments and internal audits of enterprise-wide bank operations, including regulatory compliance programs, risk assessments, vendor management, disaster recovery, policy reviews, loan review and due diligence reviews.
She was the Chief Risk Officer at a publicly-traded institution with total assets of $560 million. In that role, she was responsible for Enterprise Risk Management, assessing adequacy of risk assessments and internal controls, regulatory compliance management program reviews, ongoing management of the internal and external loan review process, post-closing loan reviews and all internal audit programs. Additional responsibilities included oversight of all internal and external audits and reviews/monitoring of all recommendations, board report preparation, strategic planning, ALCO, Asset Monitoring, appraisal reviews, preparing quarterly Audit Committee packets, Director Loan Committee participant, and member of Compliance and IT Committees. Prior to her CRO role, Ms. Bolin was Senior Vice President of Credit Administration, responsible for all loan operations, including loan servicing, documentation/perfection and loan compliance. She monitored and updated all loan-related policies and performed all internal loan reviews.
She also spent 6 years at CBI Loan Review (holding company for Commerce Bancshares), including as Western Region Manager. She was responsible for managing and supervising a team of staff members, performing affiliate bank loan reviews, acting as liaison between the holding company and affiliate banks, providing reports and value to both the affiliate banks and the holding company.
| BOLIN, MONICA |
 Mrs. Christy L. Carpenter
Springfield State Bank
She was responsible for transitioning the bank into an in-house processing center, which has had an increasingly positive effect on the banks bottom line, creating considerable savings and efficiency in the day-to-day operations. Christy also manages the bank’s marketing, audit and exam function, board administration, oversees all bank technology, asset liability management and interest rate risk and whatever else is needed.
In July 2016 Christy accepted the invitation to join the bank’s Board of Directors as well. She serves on the bank’s Audit Committee, Compliance Committee, Loan Committee, Asset Liability Management Committee, Technology Steering Committee and Succession Planning Committee. She is currently Executive Vice President of Springfield State Bank.
Aside from her day job, Christy also serves as president of the board of Blue Grass Community Bankers Association to help the cause of community banks across the state of Kentucky. She also serves on the Fiserv Precision Advisory Council, which is a national council of 25 banks across the country who have direct input on the changes and improvements to the Fiserv Precision core processing system.
Christy is currently serving as a volunteer counselor for Hosparus Health and was on the founding board of One Bridge to Hope, Inc., which is a nonprofit organization opening a sober living transitional facility for women. The facility houses recently incarcerated women and helps them transition to their next step toward freedom and a better life, preventing the chances of repeat incarceration.
Christy is a member of River of Life Church, and the Springfield Rotary Club. She also serves on the board of Central Kentucky Community Action Council.
| Mrs. Christy L. Carpenter
Springfield State Bank | Christy began her career in banking in 1989 when she took an entry level position at Springfield State Bank, which drew on her computer programming skills at the time. In her 32-year career at the bank, she has worked in every area of the bank, with a focus on technology and board administration.
She was responsible for transitioning the bank into an in-house processing center, which has had an increasingly positive effect on the banks bottom line, creating considerable savings and efficiency in the day-to-day operations. Christy also manages the bank’s marketing, audit and exam function, board administration, oversees all bank technology, asset liability management and interest rate risk and whatever else is needed.
In July 2016 Christy accepted the invitation to join the bank’s Board of Directors as well. She serves on the bank’s Audit Committee, Compliance Committee, Loan Committee, Asset Liability Management Committee, Technology Steering Committee and Succession Planning Committee. She is currently Executive Vice President of Springfield State Bank.
Aside from her day job, Christy also serves as president of the board of Blue Grass Community Bankers Association to help the cause of community banks across the state of Kentucky. She also serves on the Fiserv Precision Advisory Council, which is a national council of 25 banks across the country who have direct input on the changes and improvements to the Fiserv Precision core processing system.
Christy is currently serving as a volunteer counselor for Hosparus Health and was on the founding board of One Bridge to Hope, Inc., which is a nonprofit organization opening a sober living transitional facility for women. The facility houses recently incarcerated women and helps them transition to their next step toward freedom and a better life, preventing the chances of repeat incarceration.
Christy is a member of River of Life Church, and the Springfield Rotary Club. She also serves on the board of Central Kentucky Community Action Council.
| CARPENTER, CHRISTY |
 Terry Choate, Jr.
Blue-U Defense | Terry Choate, Jr.
Blue-U Defense | Terry Choate is a Co-Founder and Training Specialist for Blue-U Defense. He has served as Team
Commander of the Monadnock Regional Special Response (SWAT) Team and for 15 years as a
Lieutenant with the Jaffrey (NH) Police Department. Prior to law enforcement, Mr. Choate spent
over 20 years in management positions with Fortune 500 companies.
| CHOATE, TERRY |
 Ms. Susan Guess
The Paducah Bank and Trust Company
Guess has a long history of community involvement. She was the second woman to chair the Paducah Chamber of Commerce Board of Directors and only the second person to chair twice. She served as vice chair and chairwoman of the Murray State University Board of Regents during her nine-year tenure on the board. She also chaired the Lourdes Hospital Foundation Board of Directors for nine years. She served on the Kentucky Council on Post Secondary Education. Governor Beshear recently appointed her to the Kentucky Financial Institutions Board.
She was named Kentucky’s top volunteer twice. The first time was in 1998 after she chaired a campaign to build a $100,000 memorial garden at Heath High School following the school shooting. In 2015, she received the award for her anti-bullying efforts throughout the state. She won a national HUD community service award after starting Girl Scout troops in Paducah’s public housing.
She and her 20-year-old daughter, Morgan, are the co-founders of the Guess Anti-Bullying Foundation. After lobbying the governor to appoint a statewide task force on the issue, both Guesses were appointed to the Kentucky Youth Bullying Prevention Task Force. They successfully lobbied for a bill to define bullying in Kentucky. That law now provides protections for all 640,000 Kentucky students. They were both awarded the Kentucky Justice Association Consumer Safety Award in 2016 for their legislative work on the issue. In 2021, they received approval for an official Be Kind Kentucky license plate and it is scheduled to be released in June. They are donating all proceeds to the 17-youth mental health drop-in centers. She and her husband, Craig, live in Paducah.
| Ms. Susan Guess
The Paducah Bank and Trust Company | Susan Guess is the Paducah Bank Senior Vice President and Chief Marketing Officer. Guess is a 1987 graduate of Murray State University where she earned a bachelor of science degree in public relations. She also earned a master of public administration degree at the University of Louisville.
Guess has a long history of community involvement. She was the second woman to chair the Paducah Chamber of Commerce Board of Directors and only the second person to chair twice. She served as vice chair and chairwoman of the Murray State University Board of Regents during her nine-year tenure on the board. She also chaired the Lourdes Hospital Foundation Board of Directors for nine years. She served on the Kentucky Council on Post Secondary Education. Governor Beshear recently appointed her to the Kentucky Financial Institutions Board.
She was named Kentucky’s top volunteer twice. The first time was in 1998 after she chaired a campaign to build a $100,000 memorial garden at Heath High School following the school shooting. In 2015, she received the award for her anti-bullying efforts throughout the state. She won a national HUD community service award after starting Girl Scout troops in Paducah’s public housing.
She and her 20-year-old daughter, Morgan, are the co-founders of the Guess Anti-Bullying Foundation. After lobbying the governor to appoint a statewide task force on the issue, both Guesses were appointed to the Kentucky Youth Bullying Prevention Task Force. They successfully lobbied for a bill to define bullying in Kentucky. That law now provides protections for all 640,000 Kentucky students. They were both awarded the Kentucky Justice Association Consumer Safety Award in 2016 for their legislative work on the issue. In 2021, they received approval for an official Be Kind Kentucky license plate and it is scheduled to be released in June. They are donating all proceeds to the 17-youth mental health drop-in centers. She and her husband, Craig, live in Paducah.
| GUESS, SUSAN |
 Joe Hileman
Blue-U Defense | Joe Hileman
Blue-U Defense | Joe Hileman is a Co-Founder and Training Specialist for Blue-U Defense. He served as the
Assistant Team Commander of the Monadnock Regional Special Response (SWAT) Team and for
18 years as a Detective with the Jaffrey (NH) Police Department. Prior to his career in Law
Enforcement, he served as Security Supervisor at the corporate management level of a Fortune 500
company.
| HILEMAN, JOE |
 Terri Luttrell
Abrigo
Cybercrime remains top of mind for financial crime professionals, and cryptocurrency schemes bring this threat to a heightened risk level. In this session, you will learn from law enforcement partners with the FBI Las Vegas Cyber Task Force, as they discuss the latest financial crime trends. The will cover business email compromise and asset recovery process, SIM swapping/social engineering, and how hackers use both to gain access to crypto wallets and bank accounts.
| Terri Luttrell
Abrigo | Terri Luttrell is CAMS-Audit certified and has over 20 years in the banking industry, working both in medium and large community banks in the areas of compliance/fraud, commercial lending, and deposit operations. As an AML consultant, she has helped institutions develop BSA/OFAC programs to ensure all regulatory requirements are met and managed a team of AML investigators for a large/cross-border institution, among other roles. Terri is currently Compliance & Engagement Director with Abrigo (formerly Banker’s Toolbox).
Cybercrime remains top of mind for financial crime professionals, and cryptocurrency schemes bring this threat to a heightened risk level. In this session, you will learn from law enforcement partners with the FBI Las Vegas Cyber Task Force, as they discuss the latest financial crime trends. The will cover business email compromise and asset recovery process, SIM swapping/social engineering, and how hackers use both to gain access to crypto wallets and bank accounts.
| LUTTRELL, TERRI |
 Mrs. April R. Perry
Kentucky Farmers Bank Corporation | Mrs. April R. Perry
Kentucky Farmers Bank Corporation | April Russell Perry, a native of Ashland Kentucky, is Chairman of the Board and CEO of Kentucky Farmers Bank (KFB) headquartered in Boyd County KY. She earned her BBA and MBA from Eastern Kentucky University. April currently serves as Treasurer for the Kentucky Bankers Association. April chairs the Appalachian Investors Alliance, is a member of the Tri State Angel Investment Group, and serves as lead judge for the Glockner Dare to Dream Pitch Competition for high school students; all of which support entrepreneurship and economic development. She supports financial literacy and empowerment in Northeast KY and is a member of the Kentucky Financial Empowerment Commission. April and her husband Don have two adult children, Connor and Kendall. In her free time, April enjoys cooking, gardening and hiking. | PERRY, APRIL |
 Susan Pittman
Cherry Bekaert | Susan Pittman
Cherry Bekaert | Susan is the HRAS Team Leader & Principal Consultant with 30 + years of experience in HR and Organizational Development, people strategy and culture transformations. A proven, global HR thought leader, Susan works with executives and their teams to create intentional organizational cultures and develop leadership bench strength. Susan is the former V.P. of People & Culture for a large Louisville-based Architectural & Engineering Firm. Before that she led the leadership development and talent development strategies for a Fortune 100 hospitality company, where she traveled globally developing leadership capabilities and strategies. Susan’s broad range of experience help Clients to create HR strategies that support and enable the business and create purposeful, meaningful work and delivers business results. | PITTMAN, SUSAN |
 Kristina Schaefer
First Bank & Trust
Kristina Schaefer regularly coaches Girls on the Run, serves on the Helpline Center Board of Directors, and mentors children as part of the Lutheran Social Services School Based Mentoring Program. She enjoys Minnesota Twins baseball games with her family, which includes her husband, two daughters, and two spoiled cats.
In her free time, Kristina enjoys good books and running adventures with her friends. Kristina also regularly feels like an imposter. | Kristina Schaefer
First Bank & Trust | Kristina Schaefer serves as General Counsel and Chief Risk Officer for First Bank & Trust, a $4.0 billion organization headquartered in Brookings, S.D. She is a member of several local, state and national professional organizations, serving on a number of committees and advisory councils, as well as immediate past chair of the South Dakota Bankers Association and a former member of the Consumer Financial Protection Bureau Community Bank Advisory Council.
Kristina Schaefer regularly coaches Girls on the Run, serves on the Helpline Center Board of Directors, and mentors children as part of the Lutheran Social Services School Based Mentoring Program. She enjoys Minnesota Twins baseball games with her family, which includes her husband, two daughters, and two spoiled cats.
In her free time, Kristina enjoys good books and running adventures with her friends. Kristina also regularly feels like an imposter. | SCHAEFER, KRISTINA |
 Maggi Thorne
After spending a decade designing and managing $340M in construction projects building stadiums and arenas, she has become CEO and Founder for JoyFLowCo to equip and inspire active women in her spare time.
She has placed 2nd in The World’s Toughest Mudder running 75 miles and completing 330 obstacles in 24 hours.
Maggi travels the nation passionately sharing her love for people and motivational speaking inspiring men, women and children of all ages to Never Give Up and to “pursue your dreams no matter what life throws at you!“ Maggi graduated from the University of Nebraska at Lincoln as a Husker Track & Field Team Captain and Big 12 honor roll athlete and team captain.
No stranger to pain and trials, Maggi’s story of becoming a single mom, raising her three children, and maintaining a thriving career will encourage women on every level. Her charisma and energy are magnetic and her faith will leave you with a hope that life can truly give you beauty for ashes.
Maggi serves as a spokesperson for AIM to inspire people into Tech Careers and served as a Global Ambassador for feedONE traveling the world in an effort to further feedONE's mission of wearing out help others with the gift of a nutritious meal. Recently she created a BOW patch with the Girl Scouts to inspire female entrepreneurship, empowerment and community engagement, which thousands of scouts have earned since 2019.
Maggi is a previous Governor's Award Winner for Inspiring Community Engagement and American Heart Association Heart of Gold Award Recipient. Professionally she speaks to hundreds of thousands on inspiration and never giving up in addition to engaging volunteers globally. A Mother of 3, she and her kids love serving, being active and traveling together. In her spare time she loves to eat chips & salsa.
| Maggi Thorne
| Maggi is an American Ninja Warrior 7X competitor who was the 2nd Mom up the warped wall and first to beat the salmon ladder. She is an NBC Spartan Ultimate Team Challenge 2X championship competitor, and a previous Mrs. International beauty pageant winner in 2014.
After spending a decade designing and managing $340M in construction projects building stadiums and arenas, she has become CEO and Founder for JoyFLowCo to equip and inspire active women in her spare time.
She has placed 2nd in The World’s Toughest Mudder running 75 miles and completing 330 obstacles in 24 hours.
Maggi travels the nation passionately sharing her love for people and motivational speaking inspiring men, women and children of all ages to Never Give Up and to “pursue your dreams no matter what life throws at you!“ Maggi graduated from the University of Nebraska at Lincoln as a Husker Track & Field Team Captain and Big 12 honor roll athlete and team captain.
No stranger to pain and trials, Maggi’s story of becoming a single mom, raising her three children, and maintaining a thriving career will encourage women on every level. Her charisma and energy are magnetic and her faith will leave you with a hope that life can truly give you beauty for ashes.
Maggi serves as a spokesperson for AIM to inspire people into Tech Careers and served as a Global Ambassador for feedONE traveling the world in an effort to further feedONE's mission of wearing out help others with the gift of a nutritious meal. Recently she created a BOW patch with the Girl Scouts to inspire female entrepreneurship, empowerment and community engagement, which thousands of scouts have earned since 2019.
Maggi is a previous Governor's Award Winner for Inspiring Community Engagement and American Heart Association Heart of Gold Award Recipient. Professionally she speaks to hundreds of thousands on inspiration and never giving up in addition to engaging volunteers globally. A Mother of 3, she and her kids love serving, being active and traveling together. In her spare time she loves to eat chips & salsa.
| THORNE, MAGGI |