Bill Rayburn
Chief Executive Officer, Chairman of the Board, FNC Co-Founder

Bill Rayburn has served as FNC’s CEO since the company began. A finance expert and visionary, Bill intimately understands how collateral underpins the mortgage industry and has a special talent for imparting that knowledge to others. Bill often speaks or sits on panels at major industry conferences and led a consulting firm specializing in seminars for bank regulatory agencies, financial institutions, and appraisal firms before founding FNC.
At FNC, he is responsible for steering the company’s mission and vision through the Age of Collateral.

Cliff Ransom
President, Ransom Research

Enhancement of Investment Value through Lean techniques

Cliff Ransom is the President of Ransom Research, Inc., an independent equity investment research firm that acts as an outsourced resource on a retained basis for a deliberately-constrained number of major institutional investment organizations.  Ransom Research, Inc., focuses principally on the industrial arena, including manufacturing, aerospace and defense, electrical equipment, hand and power tools, power generation and transmission, railroad equipment, electronic test devices, construction and agricultural equipment, and water and fluid handling end markets, with special interest in aftermarket operations, including service, spare parts, retrofits, and remanufacturing.   Cliff Ransom has over thirty years of experience on Wall Street, on both the Buy Side and the Sell Side.  

HARRIS H. SIMMONS
Chairman, President and Chief Executive Officer
Zions Bancorporation

The Future of Banking and Credit Unions

Harris H. Simmons is the chairman, president and chief executive officer of Zions Bancorporation, a $45 billion (assets) bank holding company that operates approximately 500 full-service banking offices throughout the western United States.

MARIANNE M. JENNINGS
Professor of Legal and Ethical Studies
Arizona State University

How do Finance Folks Lose Their Way, Ethically Speaking

Professor Marianne Jennings is a member of the Department of Management in the W.P. Carey School of Business at Arizona State University and is a professor of legal and ethical studies in business. She served as director of the Joan and David Lincoln Center for Applied Ethics from 1995-1999. Professor Jennings earned her undergraduate degree in finance and her J. D. from Brigham Young University. Her internships were with the Federal Public Defender and U.S. Attorney in Nevada, and she has done consulting work for law firms, businesses and professional groups including AES, Boeing, Dial Corporation, Mattel, Motorola, CFA Institute, Southern California Edison, the Arizona Auditor General, the Cities of Phoenix, Mesa, and Tucson, the Institute of Internal Auditors, AIMR, Boeing, Coca-Cola, DuPont, AES, Blue Cross Blue Shield, Motorola, Hy-Vee Foods, IBM, Bell Helicopter, Amgen, and VIAD.

D. Rodney Hathaway, CFA
Vice President, Heartland Advisors, Inc.
Portfolio Manager, Heartland Value Plus Fund

Undervalued Small Company Stocks

Mr. Hathaway joined Heartland in 1997 as a Research Analyst focusing on Healthcare, Biotechnology and Software sectors. In January 2002 he was promoted to Portfolio Manager as a member of the portfolio management team of the Heartland Value Plus Fund. The other member of this team is Bradford A. Evans. Rodney is a Chartered Financial Analyst and has more than 12 years of investment industry experience.

Wade Walker
IT risks Breaking into the Bank

Wade has been a bank examiner at the FDIC for 15 years in the Salt Lake City Field Office.  Since 1998, he has served as the field office’s information technology specialist.  Wade has conducted and participated in numerous information technology examinations, both at financial institutions and the data processing companies that service them.  These institutions have ranged in size from $20 million to $75 billion.  In 2000, Wade received his Certified Information Systems Auditor (CISA) certification.