Tim is president of T.E.A.M. Resources, a training and consulting firm that provides consulting, strategic planning, and training to credit unions from coast-to-coast. Tim is a dynamic speaker who can make complex subjects very simple. As an expert in the field of credit unions, he has been involved in hundreds of credit union audit engagements and has consulted with, and provided training to, credit union employees throughout the country. Tim has been working with credit unions since 1989 when he directed the internal audit of a $100-million-dollar credit union. As an internal auditor, he gained a deep understanding of credit unions, their problems and successes.

Joni Lovingood is a senior risk management specialist for CUNA Mutual Group's credit union protection risk management department. In her position, Joni is responsible for assisting credit unions in identifying areas of risk in their operations and recommending appropriate controls to reduce exposures to loss. In addition, she educates and trains credit union staff and organizations in all areas of fraud prevention and risk management.

Tony is an internal audit and controls engagement manager at Jefferson Wells. He is a frequent speaker, trainer, and author on the topics of enterprise risk management, Sarbanes-Oxley compliance, enterprise risk assessment, and project management. He holds Certified Internal Auditor (CIA) and Project Management Professional (PMP) certifications

David A. Reed, founder of CU Doctor, is an author, consultant, and nationally recognized speaker. Reed provides guidance to credit unions concerning a variety of matters, including credit union policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. A former bankruptcy attorney, vice president, and general counsel for a large credit union, Reed is particularly noted as an expert in the areas of bankruptcy and collections.

Marcia Sarrazin is the associate regional director of operations for Region 3 of the National Credit Union Administration. She has held that position since April 2005. Marcia began her career with the National Credit Union Administration in 1980 as a cooperative education student from Northeastern University in Boston. Her examiner duty stations were in New Jersey and Connecticut. She was a regional insurance director in New York; a supervisory examiner in Rhode Island; and supervision director in the office of examination and insurance prior to her current position.