Bill is senior vice president of the research and policy analysis department and chief economist for Credit Union National Association. He joined the department as an economist in 1978, was promoted to vice president in 1985, then appointed to senior vice president in 1992. He also writes economic analysis columns for several credit union publications.

Mike is vice president of economics and statistics for Credit Union National Association. He conducts economic and financial research and provides support for CUNA Governmental Affairs and Public Relations efforts. His analyses regularly appear in publications such as CUNA’s Credit Union Magazine and CU360 Newsletter. Mike has 20 years of experience in the financial services industry. Before joining CUNA in 1992, he was the director of research for Financial Research Corporation, where he conducted economic analyses, competitor evaluations and product-line planning for mutual fund companies.

Steve is a senior economist for Credit Union National Association. He conducts economic research, teaches at various credit union schools and conferences and writes articles for CUNA publications. Steve facilitates strategic planning sessions for credit union boards and has authored a textbook on asset-liability management. Steve is also a faculty member of the economics department at the University of Wisconsin-Madison.

Daniel has over 20 years of banking experience, which includes roles in treasury, bank financial planning, strategic planning, asset-liability management, risk management and consulting. Daniel is currently vice president of finance for the $4 Billion Vystar Credit Union in Jacksonville, FL where he is responsible for asset-liability management, product pricing, liquidity management, and branch and product profitability analysis.

Daniel has written numerous papers on asset-liability management and market risk. He has taught frequently on these subjects in various settings. He is currently writing a book on risk management for financial institutions.

Harold is a professor of accounting at Michigan State University, where he teaches management accounting at the undergraduate and MBA levels. He has served as the associate dean, MBA programs and has been chairperson of the accounting, finance, and insurance faculty. Harold has taught an entire generation of credit union managers in more than 20 years of teaching for CUNA and many credit union groups, leagues, and individual credit unions. He has written several articles and publications dealing with financial planning in financial institutions, management information systems, and information management.

Paul is the president of Scenario Economics LLC, an independent economic research and forecasting company specializing in the analysis of ever-changing economic landscape and its potential impact on the business environment. Paul retired in 2008 from Chrysler LLC where he had worked for nearly 25 years, having been promoted through management information systems and corporate financial analysis to the position of corporate economist. Paul worked in Chrysler’s corporate economist’s office for more than 17 years where his responsibilities included tracking the economy and forecasting its impact on North American auto sales. Paul is the current president of the Detroit Association of Business Economists, a member of the National Association of Business Economists, and the Society of Automotive Analysts, and has served as an adjunct faculty member at Oakland University in the School of Business Administration.

Mary is senior vice president and deputy general counsel for the Credit Union National Association in Washington, DC. Mary currently leads CUNA's Regulatory Advocacy Department, which is comprised of three attorneys in addition to her. In this capacity, she presents credit union interests before the National Credit Union Administration, the Federal Reserve Board, the Federal Trade Commission, and other federal agencies.

Mary is responsible for correspondence with government agencies, including all regulatory comment letters CUNA files. She ensures that credit union regulatory developments are communicated to CUNA members on a timely basis through such publications as CUNA's RegWatch, a biweekly electronic newsletter. She is a frequent speaker at CUNA and league meetings. Mary is chief staff liaison to CUNA's Examination and Supervision Subcommittee and to the CUNA Federal Credit Union Subcommittee; she is also a liaison to the CUNA Governmental Affairs Committee.

Nizar is the executive director at Prime Alliance Loan Servicing and the vice president of credit union solutions at Prime Alliance Solutions. In this capacity, he is responsible for the company’s servicing and secondary market strategies. Prime Alliance Solutions is the largest credit union service organization and the credit union movement’s recognized leader in innovative mortgage solutions.

Nizar is a 17-year veteran of the credit union industry, with extensive knowledge in mortgage loan productions, servicing and secondary marketing. Prior to joining Prime Alliance Solutions he managed the secondary marketing operations for a Bank Fund FCU in Washington DC. He has a wide-ranging experience within credit unions mortgage lending; he served for several years on the Fannie Mae Credit Union Advisory Council and the Charlie Mac Advisory Board. He also has been an active member of CU Housing Roundtable, ACUMA, CUNA Lending Council, and Washington DC Metropolitan Area Credit Union Management Association (MACUMA).

Christopher is a founding principal of Beacon Economics and widely considered to be one of California’s leading economic forecasters. An expert in economic forecasting, regional development, real estate dynamics, and labor markets, he was one of the earliest and most adamant predictors of the housing market crash and of the economic recession that has followed. In 2008 he was appointed as chief economist for California State Controller John Chiang as well as chair of the Controller’s Council of Economic Advisors. He also serves on Governor Arnold Schwarzenegger’s Economic Strategy Panel, and on the advisory board of Paulson & Co. Inc., one of Wall Street’s most successful hedge funds.