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Golf Registration for PAC Golf Tournament - Ocean Course
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$450.00
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Pickleball Tournament Registration
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$150.00
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Mobile App Sponsor
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$4000.00
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Beverage Cart for Golf Tournament Sponsor
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$3000.00
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Breakfast Sponsor
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$3000.00
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Candy Gift Bags Sponsor
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$3000.00
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Centerpiece Sponsor
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$2000.00
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Coasters Sponsor
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$2000.00
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Coffee Break Sponsor
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$2000.00
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Coffee Sleeves Sponsor
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$2000.00
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Dinner Entertainment (Thursday Night) Sponsor
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$4000.00
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Signature Cocktail (Thursday Night) Sponsor
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$4000.00
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Signature Cocktail (Saturday Night) Sponsor
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$4000.00
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Welcome Gift Sponsor
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$5000.00
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Golf Tournament Breakfast Sponsor
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$3000.00
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Lanyard Sponsor
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$3000.00
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Mini Massage Sponsor
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$4000.00
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Notepad Sponsor
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Pen Sponsor
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Sponsor Pickleball Tournament
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$3000.00
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Power Break Sponsor
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$3500.00
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Reception Entertainment (Saturday Night) Sponsor
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Sunscreen Sponsor
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Tote Bag Sponsor
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Weather Sponsor
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Welcome Dinner Co-Sponsor
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Wellness Gift Bag Sponsor
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WIFI Sponsor
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Wine for Dinners Sponsor
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| Wednesday - April 29 |
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Arrivals for Early Attendees and Golfers
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| Thursday - April 30 |
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PAC Golf Tournament - Ocean Course
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Experience Florida’s oldest golf course, spanning acres of lush green landscapes and nurtured by The Breakers for more than a century. Fully renovated in 2018 by renowned architect Rees Jones, the Ocean Course blends its historic 1897 design with modern playability. Featuring salt-tolerant grasses, distinctive water features, and varied contours, each hole offers a unique challenge, all set against manicured grounds with occasional Atlantic views.
Breakfast will begin at 8:00 am and the Shotgun start will be 9:00 am.
This tournament benefits the MBA PAC. Please note that the $125 PAC fee is a voluntary contribution and must be paid separately using a personal card.
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Registration – South Loggia West
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Welcome Reception – Ocean Lawn
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The Palm Beach Soirée: A Lilly Pulitzer Inspired Welcome Reception & Dinner
On Thursday evening, step into a vibrant Palm Beach celebration as we open our Annual Convention with a Lilly Pulitzer themed reception and dinner. Surrounded by bold prints, bright colors, and breezy coastal elegance, guests will enjoy cocktails, conversation, and a beautifully curated dinner in true Palm Beach style.
Dress code: Guests are encouraged to embrace the theme—think bold florals, lively patterns, and chic Lilly-inspired attire.
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Welcome Dinner - Mediterranean Ballroom
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Conclude the evening with a relaxed yet refined dinner, where Palm Beach elegance meets classic hospitality. Savor a memorable meal while continuing conversations with fellow attendees.
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| Friday - May 01 |
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Breakfast and Marketplace - Ponce de Leon Foyer
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Join us in the Exhibit Area for breakfast and conversation. Fuel up for the day while meeting exhibitors and reconnecting with colleagues in an energizing, open setting.
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Welcome Remarks - Ponce de Leon 5, 6
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Martin Connors, Jr., Vice Chair of River Run Bancorp, MHC, Executive Chairman of Rollstone Bank & Trust, and Board Chair of the Massachusetts Bankers Association, will kick off the convention with an inspiring welcome. With decades of experience guiding the banking industry, Mr. Connors will share his perspective on today’s challenges and opportunities, celebrate the collaboration that makes this community strong, and set the stage for a dynamic and impactful event. Attendees will be energized to connect, learn, and explore new ideas throughout the convention.
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Banking on Tomorrow: How Massachusetts Banks Win in the AI Era
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The banking industry stands at a pivotal crossroads. While headlines oscillate between AI hype and apocalyptic predictions, the truth for Massachusetts bankers is far more practical and promising. In this keynote, Ron draws on three decades of technology leadership at institutions including Harvard Business School and Apple to demystify artificial intelligence and chart a clear path forward for regional banks seeking to thrive in the digital age.
This isn't about chasing shiny objects or fearing disruption. It's about strategic readiness, competitive positioning, and the deliberate choices that separate banks that flourish from those that fade. Through real-world examples and a practical transformation framework, attendees will leave equipped with a roadmap to begin.
Ron Chandler, Tech Executive | Board Director | Investor
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Ron Chandler
Speaker
<p><span style="background-color:rgb(255,255,255);color:rgba(0,0,0,0.9);font-size:14px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:-apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Visionary d
igital officer and board director with over 17 years of experience in leading technology and cybersecurity in corporations, professional services firms and educational institutions. A intentional servant leader focused on developing healthy organization cultures, digitally transforming business models and optimizing operational excellence by leveraging advanced enabling technology.</span></span></p>
<p><span style="background-color:rgb(255,255,255);color:rgba(0,0,0,0.9);font-size:14px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:-apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Visionary d
igital officer and board director with over 17 years of experience in leading technology and cybersecurity in corporations, professional services firms and educational institutions. A intentional servant leader focused on developing healthy organization cultures, digitally transforming business models and optimizing operational excellence by leveraging advanced enabling technology.</span></span></p>
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Leadership Perspectives: A Conversation with the CEOs of ABA and ICBA
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Join us for an insightful conversation with two of the banking industry’s top leaders: Rebeca Romero Rainey, President and CEO of the Independent Community Bankers of America®, and Rob Nichols, President and CEO of the American Bankers Association. Kathleen Murphy, President and CEO of the Massachusetts Bankers Association, will moderate the discussion, exploring the current challenges, opportunities, and future trends shaping the banking landscape. This session offers a rare opportunity to hear directly from national thought leaders and gain strategic insights that can inform your organization’s path forward.
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Rob Nichols
American Bankers Association
<p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Rob Nichols is the president and CEO of the American Bankers Association, the voice of the nation’s $24.5 trillion banking industry and the only organization that represents banks of all sizes and charters in Washington.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:norm
al;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Since joining ABA in August 2015, Nichols has led the association’s advocacy efforts, working to ensure that banks of all sizes operate in a policy environment that enables them to best serve their customers and communities. In 2018, Nichols led ABA's successful efforts to win passage of the first major banking bill in nearly a decade. Among other things, the bipartisan legislation modified rules for community banks that were originally intended for larger institutions.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-li
gatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nichols has led the charge to push back on regulatory overreach of the banking industry through advocacy and legal efforts. In the past several years, ABA has filed seven lawsuits against state and federal regulators, challenging overregulation that harms consumers and negatively impacts banks’ ability to serve their customers and communities.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text
-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">From January 2020 to January 2023, Nichols served as chairman of the International Banking Federation, whose members include the national banking trade associations representing every major financial center.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nichols joined ABA following 10 years at the helm of the Financial Service
s Forum, a nonpartisan economic policy and advocacy organization whose members are the chief executive officers of the largest and most diversified financial institutions doing business in the United States. During his time at the Forum, Nichols led the industry through the financial crisis and the Dodd-Frank Act, guiding his members and the broader banking sector in its policy response and the law’s implementation.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Before joining the Forum, Nichols served in
the George W. Bush administration as assistant secretary for public affairs at the Treasury Department, a position requiring confirmation by the United States Senate. In this role, he acted as chief spokesperson and head of the office of public liaison, serving as Treasury’s lead representative with the media, business, professional trade organizations, consumer groups, and the public.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Prior to that, he worked as communications director to the late Sen. Slad
e Gorton and press secretary to the late Rep. Jennifer Dunn. He began his career in public service in the West Wing as a White House aide in the George H.W. Bush administration.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nichols is a recipient of the Alexander Hamilton Award, the highest honor of the Department of the Treasury. He has also been consistently named one of the most influential people in Washington by Washingtonian, and one of Washington's top lobbyists by The Hill. The Washington Post ha
s described him as one of the “new generation of trade group CEOs.”</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">He is a graduate of George Washington University.</p>
<p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Rob Nichols is the president and CEO of the American Bankers Association, the voice of the nation’s $24.5 trillion banking industry and the only organization that represents banks of all sizes and charters in Washington.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:norm
al;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Since joining ABA in August 2015, Nichols has led the association’s advocacy efforts, working to ensure that banks of all sizes operate in a policy environment that enables them to best serve their customers and communities. In 2018, Nichols led ABA's successful efforts to win passage of the first major banking bill in nearly a decade. Among other things, the bipartisan legislation modified rules for community banks that were originally intended for larger institutions.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-li
gatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nichols has led the charge to push back on regulatory overreach of the banking industry through advocacy and legal efforts. In the past several years, ABA has filed seven lawsuits against state and federal regulators, challenging overregulation that harms consumers and negatively impacts banks’ ability to serve their customers and communities.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text
-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">From January 2020 to January 2023, Nichols served as chairman of the International Banking Federation, whose members include the national banking trade associations representing every major financial center.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nichols joined ABA following 10 years at the helm of the Financial Service
s Forum, a nonpartisan economic policy and advocacy organization whose members are the chief executive officers of the largest and most diversified financial institutions doing business in the United States. During his time at the Forum, Nichols led the industry through the financial crisis and the Dodd-Frank Act, guiding his members and the broader banking sector in its policy response and the law’s implementation.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Before joining the Forum, Nichols served in
the George W. Bush administration as assistant secretary for public affairs at the Treasury Department, a position requiring confirmation by the United States Senate. In this role, he acted as chief spokesperson and head of the office of public liaison, serving as Treasury’s lead representative with the media, business, professional trade organizations, consumer groups, and the public.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Prior to that, he worked as communications director to the late Sen. Slad
e Gorton and press secretary to the late Rep. Jennifer Dunn. He began his career in public service in the West Wing as a White House aide in the George H.W. Bush administration.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nichols is a recipient of the Alexander Hamilton Award, the highest honor of the Department of the Treasury. He has also been consistently named one of the most influential people in Washington by Washingtonian, and one of Washington's top lobbyists by The Hill. The Washington Post ha
s described him as one of the “new generation of trade group CEOs.”</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:border-box;color:rgb(80, 80, 80);font-family:Lato, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:15px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">He is a graduate of George Washington University.</p>
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Rebeca Romero Rainey
Independent Community Bankers of America
<p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><strong style="box-sizing:border-box;font-weight:bolder;">Rebeca Romero Rainey</strong> is president and CEO of the Independent Community Bankers of America (ICBA), the leading advocacy organization exclusively representing community banks. She is one of the nation’s foremost advocates of the community banking industry, with a focus on regulatory reform for our country’s nearly 5,000 community banks. She has
met with President Obama and President Trump to discuss issues that are top of mind for community banks.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">A third-generation community banker born and raised in Taos, N.M., Romero Rainey is the former Chairman and CEO of Centinel Bank of Taos. Upon graduating from Wellesley College, she returned home to Taos with the dream of continuing her family’s business of running the town’s only local community bank.</p><p s
tyle="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Her broader service to the community banking industry began when she joined the board of the Independent Community Bankers of New Mexico, where she served as president in 2007-08. She entered the national stage by becoming active within ICBA and serving on several committees. Romero Rainey also played a key role in the formation of ICBA’s Minority Bank Council and served as its first chairman. Later she was nominated to become a member o
f ICBA’s Executive Committee, and in 2016, became ICBA chairman.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Romero Rainey has also served on the Federal Deposit Insurance Corp. Advisory Committee on Community Banking and the Kansas City Federal Reserve Community Depository Institution Advisory Council. She has been featured on CSPAN, MSNBC, CNBC, NPR, Fox Business News, and has been named a top Washington lobbyist every year since 2018 by “The Hill” publication. R
omero Rainey has testified before Congress, and delivered speeches before the Federal Reserve, OCC and FDIC.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Romero Rainey has a long history of community engagement and collaboration among community stakeholders. She is the co-founder of the Bridges Project for Education, a nonprofit focused on helping first-generation college students. She was also selected as Taos Citizen of the Year in 2009 and has been awarded the Ne
w Mexico Governor’s Award for outstanding women.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">In addition to graduating from Wellesley College, Romero Rainey holds a degree from the Pacific Coast School of Banking.</p>
<p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><strong style="box-sizing:border-box;font-weight:bolder;">Rebeca Romero Rainey</strong> is president and CEO of the Independent Community Bankers of America (ICBA), the leading advocacy organization exclusively representing community banks. She is one of the nation’s foremost advocates of the community banking industry, with a focus on regulatory reform for our country’s nearly 5,000 community banks. She has
met with President Obama and President Trump to discuss issues that are top of mind for community banks.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">A third-generation community banker born and raised in Taos, N.M., Romero Rainey is the former Chairman and CEO of Centinel Bank of Taos. Upon graduating from Wellesley College, she returned home to Taos with the dream of continuing her family’s business of running the town’s only local community bank.</p><p s
tyle="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Her broader service to the community banking industry began when she joined the board of the Independent Community Bankers of New Mexico, where she served as president in 2007-08. She entered the national stage by becoming active within ICBA and serving on several committees. Romero Rainey also played a key role in the formation of ICBA’s Minority Bank Council and served as its first chairman. Later she was nominated to become a member o
f ICBA’s Executive Committee, and in 2016, became ICBA chairman.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Romero Rainey has also served on the Federal Deposit Insurance Corp. Advisory Committee on Community Banking and the Kansas City Federal Reserve Community Depository Institution Advisory Council. She has been featured on CSPAN, MSNBC, CNBC, NPR, Fox Business News, and has been named a top Washington lobbyist every year since 2018 by “The Hill” publication. R
omero Rainey has testified before Congress, and delivered speeches before the Federal Reserve, OCC and FDIC.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Romero Rainey has a long history of community engagement and collaboration among community stakeholders. She is the co-founder of the Bridges Project for Education, a nonprofit focused on helping first-generation college students. She was also selected as Taos Citizen of the Year in 2009 and has been awarded the Ne
w Mexico Governor’s Award for outstanding women.</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(238, 242, 246);box-sizing:border-box;color:rgb(0, 16, 38);font-family:"DM Sans", sans-serif;font-size:16px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;line-height:1.4;margin-bottom:1rem;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">In addition to graduating from Wellesley College, Romero Rainey holds a degree from the Pacific Coast School of Banking.</p>
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PowerBreak
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PowerBreak: Five minutes of fast, fun, and focused insights as a associate member takes the stage to showcase what’s new and exciting from their organization.
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Refreshment Break
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Break & Energize - Grab a beverage while networking.
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The New Cyberthreat Landscape: How your Business is impacted and How to Be Prepared
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Rachel Wilson is a former senior NSA leader with 15 years of experience at the forefront of U.S. cyber operations, where she directed counterterrorism efforts and oversaw thousands of cyber missions against America’s adversaries. She now serves as the first Head of Cybersecurity for Morgan Stanley Wealth Management, protecting one of the world’s leading financial institutions and its clients.
In this compelling keynote, Rachel delivers an inside look at today’s most dangerous cyber threats—from hostile nation states and organized crime to opportunistic hackers armed with powerful, widely available tools. Drawing on real-world experience from the NSA and the financial sector, she reveals how cyber attacks unfold and what organizations and individuals must do to stay ahead in an increasingly volatile digital world.
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Rachel Wilson
Morgan Stanley
<p style="-webkit-text-stroke-width:0px;background-color:rgb(246, 246, 246);box-sizing:border-box;color:rgb(68, 67, 72);font-family:"Open Sans", Arial, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:18px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="box-sizing:border-box;">Rachel Wilson spent the first 15 years of her career at the National Security Agency (NSA). Over the course of her NSA career, she held several key senior executive-level leadership positions. Between 2008 and 2010, she ran NSA’s counterterrorism operations and led a global enterprise in detecting and disrupting terrorist plotting against the United States and its allies. Between 2010
and 2012, Rachel served as NSA’s Chief of Operations in the UK working out of the US Embassy in London. In this role, she worked with UK intelligence services to counter terrorist and cyber threats to the 2012 Olympics. Returning to the US in 2012, Rachel spent nearly five years leading NSA’s cyber exploitation operations within NSA’s Tailored Access Operations. In this capacity, she led the planning and execution of thousands of cyber exploitation operations against a wide array of foreign intelligence, military, and cyber targets and served as the committing official for many of NSA’s highest risk and most important intelligence-gathering activities.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(246, 246, 246);box-sizing:border-box;color:rgb(68, 67, 72);font-family:"Open Sans", Arial, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;m
argin-bottom:18px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="box-sizing:border-box;">In April of 2017, Rachel became the first Head of Cybersecurity for Morgan Stanley Wealth Management and Investment Technology. She is responsible for protecting the cybersecurity of Wealth Management, Investment Management, and Prime Brokerage systems and the integrity and confidentiality of Firm and client data. Additionally, Rachel advises the leadership of Wealth Management, Investment Management, and Prime Brokerage on cybersecurity issues, including secure code development standards, secure network architecture, vendor relationships, advanced persistent threat (APT) detection, and mobile security. She also leads field and client education and communication on cyber risk, threats, and miti
gations. She and her team drive innovation for new cybersecurity and authentication technology. Rachel was recognized by Morgan Stanley Wealth Management as part of the 2019 MAKERS Class, a program that honors women who serve as groundbreakers, innovators, and advocates. She was also named one of the Top Women in WealthTech 2020 by ThinkAdvisor.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(246, 246, 246);box-sizing:border-box;color:rgb(68, 67, 72);font-family:"Open Sans", Arial, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:18px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="box-sizing:border-box;">In her private ca
pacity, Rachel advises individuals, corporations, and institutions on cybersecurity best practices and strategies. She serves on the Advisory Board of WATSCO Inc (NYSE: WSO) and on the CISO Advisory Board of Amgen Inc (NASDAQ: AMGN). Rachel is a leading thinker on protecting children and teenagers from cyber threats and loves educating young people and their parents on how to be safe citizens on the internet. Rachel holds a BA from Wellesley College and an MA from the University of Chicago. Rachel and her husband live in New York City with their two children.</span></p>
<p style="-webkit-text-stroke-width:0px;background-color:rgb(246, 246, 246);box-sizing:border-box;color:rgb(68, 67, 72);font-family:"Open Sans", Arial, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:18px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="box-sizing:border-box;">Rachel Wilson spent the first 15 years of her career at the National Security Agency (NSA). Over the course of her NSA career, she held several key senior executive-level leadership positions. Between 2008 and 2010, she ran NSA’s counterterrorism operations and led a global enterprise in detecting and disrupting terrorist plotting against the United States and its allies. Between 2010
and 2012, Rachel served as NSA’s Chief of Operations in the UK working out of the US Embassy in London. In this role, she worked with UK intelligence services to counter terrorist and cyber threats to the 2012 Olympics. Returning to the US in 2012, Rachel spent nearly five years leading NSA’s cyber exploitation operations within NSA’s Tailored Access Operations. In this capacity, she led the planning and execution of thousands of cyber exploitation operations against a wide array of foreign intelligence, military, and cyber targets and served as the committing official for many of NSA’s highest risk and most important intelligence-gathering activities.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(246, 246, 246);box-sizing:border-box;color:rgb(68, 67, 72);font-family:"Open Sans", Arial, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;m
argin-bottom:18px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="box-sizing:border-box;">In April of 2017, Rachel became the first Head of Cybersecurity for Morgan Stanley Wealth Management and Investment Technology. She is responsible for protecting the cybersecurity of Wealth Management, Investment Management, and Prime Brokerage systems and the integrity and confidentiality of Firm and client data. Additionally, Rachel advises the leadership of Wealth Management, Investment Management, and Prime Brokerage on cybersecurity issues, including secure code development standards, secure network architecture, vendor relationships, advanced persistent threat (APT) detection, and mobile security. She also leads field and client education and communication on cyber risk, threats, and miti
gations. She and her team drive innovation for new cybersecurity and authentication technology. Rachel was recognized by Morgan Stanley Wealth Management as part of the 2019 MAKERS Class, a program that honors women who serve as groundbreakers, innovators, and advocates. She was also named one of the Top Women in WealthTech 2020 by ThinkAdvisor.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(246, 246, 246);box-sizing:border-box;color:rgb(68, 67, 72);font-family:"Open Sans", Arial, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:18px;margin-top:0px;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="box-sizing:border-box;">In her private ca
pacity, Rachel advises individuals, corporations, and institutions on cybersecurity best practices and strategies. She serves on the Advisory Board of WATSCO Inc (NYSE: WSO) and on the CISO Advisory Board of Amgen Inc (NASDAQ: AMGN). Rachel is a leading thinker on protecting children and teenagers from cyber threats and loves educating young people and their parents on how to be safe citizens on the internet. Rachel holds a BA from Wellesley College and an MA from the University of Chicago. Rachel and her husband live in New York City with their two children.</span></p>
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Evening at Leisure
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Guests are encouraged to take advantage of this open evening to connect with fellow members and colleagues over dinner, fostering relationships in a relaxed and elegant setting.
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Breakouts
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Step into our Breakout Sessions for lively, small-group conversations that explore key issues, spark new ideas, and deliver actionable insights you can take back to your organization.
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Annual Meeting and Elections
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PowerBreak
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PowerBreak: Five minutes of fast, fun, and focused insights as a associate member takes the stage to showcase what’s new and exciting from their organization.
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Refreshment Break
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12 Strong: An Extraordinary Mission of Commitment, Purpose, Heroism and Hope
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Green Beret Mark Nutsch takes audiences inside the first successful Special Forces mission after 9/11—the true story that inspired the film 12 Strong. Through powerful firsthand accounts, he shares lessons on leadership, teamwork, and overcoming impossible odds, both on the battlefield and as a successful entrepreneur and co-founder of American Freedom Distillery.
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Mark Nutsch
Speaker
<p>From the battlefield to the business world, Mark Nutsch shares his remarkable story and the secrets to his success—from leading a heroic 12-man Green Beret team in defeating the Taliban to founding a wildly popular and award-winning bourbon brand.</p><p>In October 2001 following the attacks on 9/11, Mark Nutsch led a team of U.S. Special Forces on a covert mission to Afghanistan, where they would ride to war on horses to fight the enemy—side by side with their Muslim counterparts—capture the strategic city of Mazar-i-Sharif within a matter of weeks, and successfully overthrow the Taliban. Now a consultant to Special Operations Command, he earned a Bronze Star with valor for his bravery. The story inspired a New York Times bestselling book by Doug Stanton, Horse Soldiers, and a 2018 major motion picture called 12 Strong, in which Mark is portrayed by actor Chris Hemsworth. </p><p>Years after this historic event, Mark and a few of his fellow Gree
n Berets teamed up for a different sort of mission: Co-founding American Freedom Distillery and their signature offering, Horse Soldier Bourbon, which is sold in bottles pressed in molds made from steel salvaged from the World Trade Center site. The company achieved remarkable success, and Horse Soldier Bourbon has won more than 30 awards, including three Double Gold Medals at the San Francisco International Spirits Competition, and in 2024 the brand became the “Official Dark Spirit” Sponsor of the Professional Bull Riders. </p><p>Nutsch enthralls audiences with an edge-of-your-seat, behind-the-scenes account of how this almost unbelievable event played out, impacted the world, and earned them the gratitude of a nation. He also shares his impressive entrepreneurial story, discussing how he and his team applied the lessons they’d learned in the military—deliberate and focused planning, short and long term coordination, and maintaining a strategic vision—to grow thei
r business and establish an unforgettable legacy. He inspires audiences to leverage these principles to achieve their own personal and professional goals.</p>
<p>From the battlefield to the business world, Mark Nutsch shares his remarkable story and the secrets to his success—from leading a heroic 12-man Green Beret team in defeating the Taliban to founding a wildly popular and award-winning bourbon brand.</p><p>In October 2001 following the attacks on 9/11, Mark Nutsch led a team of U.S. Special Forces on a covert mission to Afghanistan, where they would ride to war on horses to fight the enemy—side by side with their Muslim counterparts—capture the strategic city of Mazar-i-Sharif within a matter of weeks, and successfully overthrow the Taliban. Now a consultant to Special Operations Command, he earned a Bronze Star with valor for his bravery. The story inspired a New York Times bestselling book by Doug Stanton, Horse Soldiers, and a 2018 major motion picture called 12 Strong, in which Mark is portrayed by actor Chris Hemsworth. </p><p>Years after this historic event, Mark and a few of his fellow Gree
n Berets teamed up for a different sort of mission: Co-founding American Freedom Distillery and their signature offering, Horse Soldier Bourbon, which is sold in bottles pressed in molds made from steel salvaged from the World Trade Center site. The company achieved remarkable success, and Horse Soldier Bourbon has won more than 30 awards, including three Double Gold Medals at the San Francisco International Spirits Competition, and in 2024 the brand became the “Official Dark Spirit” Sponsor of the Professional Bull Riders. </p><p>Nutsch enthralls audiences with an edge-of-your-seat, behind-the-scenes account of how this almost unbelievable event played out, impacted the world, and earned them the gratitude of a nation. He also shares his impressive entrepreneurial story, discussing how he and his team applied the lessons they’d learned in the military—deliberate and focused planning, short and long term coordination, and maintaining a strategic vision—to grow thei
r business and establish an unforgettable legacy. He inspires audiences to leverage these principles to achieve their own personal and professional goals.</p>
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Closing Reception - Mediterranean Courtyard
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Join us for the Closing Reception as we celebrate a successful convention and reflect on the insights, connections, and momentum built over the past few days. Enjoy great conversation, refreshments, and one final opportunity to connect with colleagues before we head home inspired and energized.
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