Andy Sandler is an entrepreneur, business leader and advisor, lawyer, and philanthropist. He leads Temerity Capital Partners, the Sandler family office and private investment company, which invests in and advises early-stage companies developing new technologies in financial services and achieving positive social impact. Andy owns and operates Asurity Technologies which focuses on mortgage compliance technology and RiskExec, a leading fair lending analytics SaaS software provider. He is a senior partner at the Mitchell Sandler law firm and recently founded Asurity Advisors, a financial services industry consulting firm. Andy owns three professional baseball teams: the Greensboro Grasshoppers, Kannapolis Cannon Ballers and Lexington Legends. He is actively engaged in mixed use and hotel development projects in each of the communities where he owns a team.

Andy was named a Public Justice Trial Lawyer of the Year finalist for representing the Navajo Nation in its breach of trust litigation with the United States. Andy and his colleagues achieved a $554 million settlement for the Navajo Nation. HousingWire Vanguard recognized Andy as “one of the biggest names in the housing industry” and Legal Times has named him as a Legal Visionary for his law firm leadership.

Andy is the founder of The Sandler Family Foundation which focuses its philanthropy on health and welfare, social entrepreneurship, financial inclusion, and inclusive democracy. He holds J.D. and M.B.A. degrees from the University of Pennsylvania Law School and Wharton School of Business, an M.A. from the University of Warwick (Rotary Foundation Fellow), and a B.A. from Union College.

Andy and his wife Andrea, managing partner of the Mitchell Sandler law firm, find their greatest joy spending time together with their family and friends at their Florida beach home and Virginia farm and traveling.

Patti Joyner is Managing Director of Asurity Academy, Asurity’s recently launched training and professional development arm. With over 40 years of banking experience, Patti is a Certified Regulatory Compliance Manager (CRCM), who brings deep expertise in regulatory compliance, risk management, compliance program development, professional development training, and litigation support.

Patti is a frequent presenter for many state and regional compliance associations and the American Bankers Association, where she has served as a faculty member at its prestigious Stonier Graduate School of Banking as well as National, Intermediate, and Graduate Compliance Schools.  Additionally, Patti has been a featured speaker on a variety of compliance topics, appearing on webcasts and conference panels. Patti works with bankers across the country at large and small institutions alike to deliver compliance training to a broad array of audiences, including Boards of Directors. And regulatory and law enforcement agencies frequently invite her to speak at their events. Patti was named the winner of the ABA’s annual Distinguished Service Award for 2018 in recognition of her contributions to the nation’s banking industry.  Patti is a highly acclaimed keynote speaker, as well as a published compliance resource for many regional and national publications.  Her high energy style and sense of humor combine to provide entertaining, effective, successful and compliant solutions that will engage audiences and answer their questions.

Patti’s ability to transform complex requirements into simple, digestible, and practical solutions is rooted in a deep conviction that “excellence is not optional,” which readily translates into effective solutions for community bankers. She has the unique ability to balance without compromising compliance or business results.

Drawing on her industry knowledge and recognized domain expertise, Patti regularly partners with legal teams to achieve successful litigation outcomes.

Carl Pry, a Senior Advisor at Asurity Advisors, is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks and industry consulting firms. Carl advises clients on commercial compliance, fair lending, corporate treasury and risk management.

Over the last 30-plus years, Carl has held senior leadership positions including Managing Director at Treliant LLC, Senior Vice President and Compliance Manager for the Compliance and Control Division at KeyBank, Manager of Finance and Performance Management Service Line at Accenture, and Vice President of Regulatory Services at Kirchman Corporation. With strong knowledge and experience as a banking attorney and officer, Carl is a frequent contributor to and currently serves as Co-Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. As a featured speaker for numerous banking, compliance, and state bar associations, he has led training sessions across the country. Carl has served as an instructor at FDIC examiner school and back-up instructor for NCUA examiner school. He has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy and risk management.

Carl has authored scores of articles on regulatory and financial issues, developed testing and support materials for BAI’s Anti-Money Laundering Professional certification, and served as subject matter expert for web-based compliance and audit educational testing programs for banking training firms. He is the author of “Internet Banking Manual”, a comprehensive guide to business planning, risk analysis and maintaining a presence for financial institutions on the Internet. For LexisNexis, he also authored “The New RESPA Rule: Navigating New Disclosures” and “The Evolution of Reg. Z: Increased Duties and Responsibilities for Lenders.”

Andrea is a nationally recognized adviser to banks, financial services companies, and third-party service providers on enforcement, regulatory, and compliance matters. She represents clients throughout the country on fair lending, fair servicing, and responsible banking issues, including matters that involve claims of disparate impact; disparate treatment; and unfair, deceptive, or abusive acts and practices (UDAAP). Her work in this area includes advising on redlining, pricing, underwriting, steering, product development, sales and marketing, social media, limited English proficiency, artificial intelligence and machine learning, overdraft and other deposit account practices, credit reporting, servicing, collections, and loss mitigation.

She frequently advises clients on board governance and bank regulatory issues, including supervisory appeals, merger and acquisition strategy, supervisory relations, and examination management. She also assists banks with applications to change primary bank regulators and with their transitions into Consumer Financial Protection Bureau jurisdiction upon crossing $10 billion in assets.

Andrea also has conducted internal investigations and served as lead counsel on dozens of government investigations and enforcement matters.

Dr. Anurag Agarwal is the Co-Founder & President of RiskExec.

He is a recognized expert in fair lending, Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), and related areas. As the main architect, designer, and developer of the platform, Anurag continues to lead the development of the RiskExec line of compliance technologies.

During his career, Anurag has consulted with and advised large financial institutions in the areas of compliance, fair lending, statistical analysis, and regulatory risk management.

Grace is a risk and compliance management expert and financial services industry leader with over 30 years of global corporate and consulting experience. At banks, FinTech companies, and consulting firms, her oversight responsibilities have included risk and compliance, fair and responsible banking, CRA, deposit operations, financial crime, consumer banking, payment systems, information technology, complaints management, mortgage, consumer and commercial lending, and business strategy. Areas of focus have included risk assessments, risk mitigation and management, artificial intelligence, predictive analytics, data management, compliance management systems, and organizational transformation.

In her current role, Grace leads the Asurity Advisory practice as Executive Managing Director. In this capacity, she provides input and strategic direction relative to the Risk Exec product and leads the go to market activities for advisory service offerings.

Grace’s corporate roles have included Chief Compliance Officer of SunTrust Banks and Chief Risk Officer of Lender Processing Services (now Black Knight Financial Services, a leading FinTech company). At IBM’s Watson Financial Services Division, she led the design, development, implementation, and acquisition strategies of a number of technologies focused on regulatory compliance, risk management, and financial crime. Her consulting positions have included Partner at Guidehouse (formerly Navigant Consulting), where she led client development and relations regarding FinTech, financial crimes, and fraud. At KPMG, she was Director of the Southeast Risk Advisory Practice, focused on enterprise banking clients.

Grace is a frequent speaker on emerging technology, recently including a keynote on RegTech compliance implications at an American Banker event, as well as addressing international conferences and meetings of regulators on subjects including artificial intelligence for risk management, cognitive technology in boardrooms, and building trust and confidence in big data.

Grace earned a BS in Finance and Management from Florida State University. She has been recognized by the industry on several occasions for her technology innovation and was awarded Industry Academy Membership by IBM in 2018.

Tim Stokes is a Managing Director with Asurity Advisors. Tim brings with him 25 years of experience in consumer financial regulations, risk management and mitigation, and bank operations. Given his prior service in executive leadership roles at banks and financial technology companies, regulatory agencies, as well as professional service advisory firms, Tim possesses the experience that enables him to bring both tactical and strategic solutions to a wide array of client engagements.

Tim has assisted with the development and execution of remediation and settlement action plans for several large clients in response to regulatory or legal enforcement actions related to Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), Section 5 of the Federal Trade Commission Act, consumer complaints, and the Servicemembers Civil Relief Act (SCRA). He also served as Chief Compliance Officer and Fair Lending Officer secondment roles for mid-size banks. Tim has assisted clients with the development and implementation of Compliance Management Systems and Operational Risk Management Programs. Additionally, he has overseen the review and testing of governance, risk, and compliance frameworks for Financial Technology companies (fintechs) to ensure their products and services, operations, and compliance practices were aligned with regulatory expectations and partner bank requirements.

Prior to consulting, Tim was the Chief Compliance Officer of a Texas based community bank and the Vice President of Operations and Compliance at a mid-size credit union. In both roles, Tim was responsible for the development and implementation of the institutions’ compliance programs, regulatory exam management and response, and day-to-day management of Compliance Department activities.

Tim also served as a Senior Regulatory Outreach Specialist with the Financial Crimes Enforcement Network (FinCEN). In his role with FinCEN, he was instrumental in the development and launch of the agency’s BSA e-filing system. He also served as the designated liaison between FinCEN and the prudential regulators’ anti-money laundering divisions.

Tim has spoken at the American Bankers Association Regulatory Compliance Conference and conducted webinars on regulatory risk assessment and risk management for the Consumer Bankers Association. Tim holds a B.S. in Organizational Psychology from the University of Houston and is a Certified Regulatory Compliance Manager.

Lynn Woosley is a Managing Director with Asurity Advisory. She is a seasoned executive with extensive risk management experience in consumer protection, regulatory compliance, consumer and commercial credit risk, credit and compliance risk modeling, model governance, regulatory change management, acquisition due diligence, and operational risk in both financial services and regulatory environments.

Over the last three decades, Lynn has held leadership positions including Senior Vice President and Fair and Responsible Banking Officer; Group Vice President for Wholesale Transaction Modeling; and First Vice President for Portfolio Management within the Enterprise Risk Management division of a top 10 bank. Prior to joining the private sector, Lynn served as Senior Examiner and Economist at the Federal Reserve Bank of Atlanta. She also has 6 years’ experience in financial services consulting.

With strong knowledge and experience across multiple risk disciplines, Lynn has been a featured speaker for several banking, compliance, and CRA conferences across the country. Lynn has authored numerous articles and presentations on financial institution risk management and consumer protection issues. She has also developed training materials related to fair lending, fair housing, UDAAP, credit risk management, credit scoring, and consumer protection topics.

Lynn holds a BBA and an MBA from Middle Tennessee State University and an MS Finance from Georgia State University. She is a Certified Regulatory Compliance Manager and a Commissioned Examiner of the Federal Reserve System. Lynn has also served as both Chair and Vice-Chair of the Consumer Bankers Association’s Fair and Responsible Banking Committee.

Brian Vieaux serves as President of MISMO (Mortgage Industry Standards Maintenance Organization), where he leads the organization’s mission to drive efficiency, transparency, and interoperability across the real estate finance ecosystem. In this role, he focuses on expanding industry awareness of MISMO’s critical value, ensuring every participant, from lenders and servicers to technology providers and investors, benefits from trusted data standards and a more seamless digital mortgage experience.

A Certified Mortgage Banker (CMB) since 2005, Brian brings more than 30 years of executive experience spanning mortgage origination, fintech innovation, and channel development. Prior to joining MISMO, he served as President and Chief Operating Officer of FinLocker, a financial fitness and homeownership readiness platform that empowers lenders and loan officers to engage consumers earlier in their homebuying journey through data-driven insights. Before FinLocker, he was Senior Vice President of Third-Party Origination (TPO) Lending at Flagstar Bank, where he led national account strategy, wholesale & correspondent lending, and strategic partnerships.

Brian is also the co-author of Rethink Everything: You Know About Being a Next Gen Loan Officer, a book that challenges industry professionals to modernize how they educate, engage, and empower today’s homebuyers. His leadership is marked by a “Point of Thought, not just Point of Sale” philosophy, emphasizing education, empowerment, and responsible innovation as the foundation of sustainable homeownership.

An active contributor to the mortgage and fintech communities, Brian serves on the Board of Directors for the Michigan Mortgage Lenders Association (MMLA) and DBG Detroit, an after-school education and mentorship program. He also hosts several industry podcasts and authors thought leadership content focused on technology adoption, consumer-permissioned data, and the future of lending.

Chris is the co-leader of the Consumer Financial Services Regulatory Practice Group at the firm. He advises financial services institutions facing state and federal government investigations and examinations, counseling them on compliance issues including UDAP/UDAAP, credit reporting, debt collection, and fair lending, and defending them in individual and class action lawsuits brought by consumers and enforcement actions brought by government agencies.

Chris also leverages insights from his litigation and enforcement experience to help clients design new products and processes, including machine learning marketing, fraud prevention and underwriting models, product structure, advertising, online application flows, underwriting, and collection and loss mitigation strategies.

Chris brings a highly practical focus to his legal advice, informed by balancing a deep understanding of the business of consumer finance and the practical priorities of federal and state regulatory agencies.

Chris speaks frequently at conferences across the U.S. on consumer financial services law and has been featured in numerous articles in publications such as the Wall Street Journal, the New York Times, the Washington Post, American Banker, National Law Journal, BNA Bloomberg, and Bank Safety and Soundness Advisor.

Jesse Taylor rejoined the RiskExec team summer of 2022 after her previous tenure with the company from 2015 to 2019. She brings with her over a decade of experience in Compliance having served in Fair Lending leadership roles at both depository and non-depository institutions.

Jesse’s experience includes completion of ground-up build-outs of fair lending analytic programs at multiple institutions, including facilitation of full-scope model validation projects in partnership with Quantitative Analytics and Model Risk departments. She has executed and supervised completion of risk assessments and fair lending reviews for underwriting, pricing, steering, redlining, branch distribution, marketing and servicing as well as assisted in examination preparation and response to multiple regulatory entities.

Nick Roesler, CRCM, CAMS, is Executive Vice President and Fair & Responsible Banking Officer at M&T Bank, where he leads the Consumer Protection Office and enterprise compliance programs spanning fair lending, UDAAP, HMDA, CRA, complaints, marketing oversight, and other functions.

Nick began his banking career in the mid‑90s as youth apprentice and has since held leadership roles across compliance, risk, audit, and supervisory exams. Before joining M&T, he served as Fair & Responsible Banking Officer at a top‑five U.S. bank and was a Commissioned Examiner with the Federal Reserve Bank of Minneapolis.

Linda Lewis Ezuka is the Founder of CRA Today and the CRA Hub, an exclusive membership for bank professionals to master the art of the CRA, get exam ready and transform communities through the power of economic development. Linda also hosts the CRA Podcast, a podcast to elevate conversations around the Community Reinvestment Act.

Ms. Ezuka has over 30 years of community development experience, with emphasis in CRA compliance, training, community development finance and CDFI initiatives. Linda has led CRA programs within large banks and have consulted with banks of all sizes and regulators.

Ms. Ezuka currently serves on the board and investment committee of the HMSA Foundation and on the Advisory Board of the Patsy T. Mink Center for Business and
Leadership and has served chairwoman of the board for the YWCA of Oahu, Hospice Hawaii and HCRC CDFI. Linda is a past CDFI New Markets Tax Credit and CDFI Reader, a Pacific Century Fellow, SBA Financial Services Advocate of the Year Awardee and Pacific Business News 40 Under 40 honoree.

Linda is the author of the book: Outstanding: A Practitioner’s Guide to Exam Readiness.

Dr. Marsha J. Courchane, Vice President and Practice Leader of the Financial Economics Practice at Charles River Associates, is an economist and leading expert in the areas of mortgage and consumer lending, and engages in research, consulting, and litigation support with respect to mortgage markets, discrimination in lending, consumer credit, credit scoring, credit risk, and redlining issues. She has published in several academic journals. She is a member a Fellow of the Weimer School of Advanced Studies in Real Estate and Land Economics. She served as the Executive Vice President of the American Real Estate and Urban Economics Association (2008–2019). She has held previous positions at Freddie Mac, the Office of the Comptroller of the
Currency and various universities in the U.S., Canada, and New Zealand.

Jacob is the SVP, Director of Fair & Responsible Banking at Frost Bank, where he leads enterprise-wide CRA and Fair Lending strategy. In his 20 year banking career he has led CRA strategy for community and regional banks, designed and led financial institution corporate responsibility programs, and led strategy and facilitation of financial institution corporate giving and charitable foundations.

He holds a BBA in Management from the University of Texas at San Antonio and is a graduate of the Harvard Business School Young American Leaders Program (’24). Jacob’s leadership has been recognized nationally and locally, including as the American Bankers Association’s National Emerging Leader awardee (’24), the San Antonio Business Journal’s Community Impact
honoree (’25), and 40 Under 40 honoree (’22), and a Federal Reserve Bank – Banking on Leaders of Tomorrow (BOLT) honoree (’22).He currently serves as the President of the Board of Directors for Communities In Schools–San Antonio, and served as the 31st President of the UTSA Alumni Association. He chairs the City of San Antonio Volunteer Income Tax Assistance (VITA) Coalition, serves on the Texas Bankers Association Government Relations Committee, and serves on the Child Advocates San Antonio (CASA) Advisory Board.

Jacob is an adjuct professor in the University of Texas at San Antonio Honors College where he teaches an experiencial learning Community Development course. Jacob has served as music minister at various San Antonio churches for over 20 years and is a proud father and husband.

Renee W. Huffaker is Executive Director Enterprise Risk and Compliance for Arvest Bank, a $28 billion regional financial institution. Renee has accountability for enterprise risk
management, operational risk management, consumer compliance, and the Community Reinvestment Act. Renee has over 30 years of bank regulatory compliance experience,
including experience as both a regulator and mid-size bank compliance officer.  Renee holds designations as a CPA and CRCM.