G. Edward "ED" Leary, Commissioner, Utah Department of Financial Institutions
Banking in Today's World

Commissioner Leary serves as chairman of the board of Financial Institutions, a member of the Utah Housing Corporation Board, and he provides support to the Utah Money Management Council. He is the chairman of the State/Federal Working Group, comprised of the directors of supervision for the Federal Reserve and the FDIC along with three state banking commissioners. He is the former chairman of the Conference of State Bank Supervisors (CSBS), the National Association of State Banking Supervisors, the CSBS's Regulatory and Technology Committees, and the Federal Financial Institutions Examination Council's State Liaison Committee representing state banking commissioners. He has testified before both houses of the U.S. Congress on financial institution regulation and public policy issues.

Carrie Belsito, Ph.D., Assistant Professor, Utah State University
Business Ethics

Dr. Carrie A. Belsito is an assistant professor in the Management and Human Resources Department in the College of Business at Utah State University. She completed her PhD at Texas A&M University and received her BS in business administration/management from California State University, Fresno. In addition to teaching a Human Resource Management course, Carrie is also involved with the College of Business' student chapter of the Society for Human Resource Management as well as the HR Games teams. Her research interests include the areas of strategic human resource management, discretion theory, organizational stigma, and business ethics.

Jeff Thredgold, Zions Bank Economist, Thredgold Economic Associates
U.S. & Utah Economic Outlook

Jeff Thredgold is president of Thredgold Economic Associates, an economic consulting and professional speaking company based in Salt Lake City, Utah. Jeff is the only economist in the world who received the designation of Certified Speaking Professional, the highest earned designation in professional speaking.
He served as an adjunct professor of finance at the University of Utah for 16 years. He is a former member of both the Economic Advisory Committee of the American Bankers Association and the Economic Policy Committee of the U.S. Chamber of Commerce.

Sterling Nielsen, Executive Vice President & Chief Administration Officer,
Mountain America Federal Credit Union
Benefits of Using Thin Client in a Branch Environment

Sterling Nielsen is Executive Vice President/Chief Administrative Officer for Mountain America Credit Union where he has worked for the past 12 years. He earned a Bachelors Degree and a Masters Degree in Accounting from Brigham Young University and he is a Certified Public Accountant. Sterling is active in volunteer and community service. He is currently Chairman of the West Jordan Chamber Board and functions as a Boy Scout Leader. He and his wife, Stephanie, have five children.

Robert Beers, Area Sales Manager, Wells Fargo
Future and Past of Sub-prime Loans

Robert Beers has been in the Mortgage business for 26 years. He spent 16 years as a loan officer and has been with Wells Fargo for the last 10. He is currently the area sales manager and oversees the entire mortgage operation in Utah, which earns roughly $1 billion in sales a year. He is a key reason why Wells Fargo has stuck to their fundamentals and has success while so many other lending institutions are suffering because of the sub-prime loans crisis.

A. Scott Anderson, President & Chief Executive Officer, Zions First National Bank
Employee of the 21st Century

Robert Beers has been in the Mortgage business for 26 years. He spent 16 years as a loan officer and has been with Wells Fargo for the last 10. He is currently the area sales manager and oversees the entire mortgage operation in Utah, which earns roughly $1 billion in sales a year. He is a key reason why Wells Fargo has stuck to their fundamentals and has success while so many other lending institutions are suffering because of the sub-prime loans crisis.