Anne J. Cheatham has had a varied career in the banking industry. During her career, she served for over 20 years as a member of senior management in three de novo banks, each of which she helped form. She served for 3 years as a member of a bank’s Board of Directors. Anne has had responsibility for many financial and administrative areas including regulatory reporting, accounting, auditing, retail deposit and delivery services, compliance, asset liability management, bank investments, bank operations, electronic banking and information technology. Ms. Cheatham is currently an independent bank consultant working with banks in the areas listed above. She attended Middle Tennessee State University and graduated with honors from Graduate School of Banking at LSU, Southeastern School of Banking at Owen Graduate School of Management at Vanderbilt University, Southeastern School of Commercial Lending, and Southeastern School of Consumer Credit. She has authored or co-authored more than 10 publications for AlexInformation, served as an instructor at Barret School of Banking (formerly Mid South School of Banking) and has been a frequent speaker in the banking industry having conducted training programs for bankers nationwide on behalf of, AlexInformation, Jack Henry National Users Group, Tennessee Bankers Association, BAI as well as Sheshunoff Consulting + Solutions.