Anne J. Cheatham is a banker with over 40 years of experience in the financial services industry. During her career, she served as a member of senior management in three de novo banks for more than 20 years, including Insurors Bank in Tennessee, where she currently is engaged as a consultant. She served for over three years as a member of a bank’s board of directors. She has had overall 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, and information technology. Ms. Cheatham has authored or co-authored more than 10 publications for AlexInformation. She has been a frequent speaker conducting training programs for bankers nationwide on behalf of AlexInformation, Jack Henry National Users Group, the Tennessee Bankers Association, and the Bank Administration Institute.