Started out as an NCUA examiner in 1974. Not a good job-fit, but fell in love with CU’s and worked for many in California. CEO – Master Printers Section CU – 14 years CEO – 1st Valley CU – 13 years. I’m passionate about cu’s and the cu philosophy. Constantly looking for innovative ways to better serve our members. Strong background in ALM, Investing, and Strategic Planning. Recently appointed to the Credit Union Advisory Council of the CFPB. Was very active within our community, but had to pull back because of the economy and the demands of regulations. I’m proud to speak for the 93 million credit union members in advising the Bureau to balance Protection with Cost. As the CEO of a small ($35 to $36 Million – depending on when payroll is posted) shop, I am keenly aware of the cost of compliance. I firmly believe that credit unions not only did not cause the financial crisis we are in; but we are the solution.