 Daniel Cho
Chief Executive Officer & Chief Information Officer
Daniel is a former banker with over 21 years of experience in the financial industry. He founded Banker’s Toolbox in 2000 after 12 years at various community banks in Southern California as Operations Officer, Loan Officer, IT Manager, SBA Loan Manager, and Planning Officer. His diverse background of operations, marketing, and technology experience provides him with a unique understanding of the challenges facing community and regional institutions, both from a business as well as technology standpoint. | | |  Randi Schrott
Chief Operations Officer
Randi has more than 20 years of financial software background. She has been responsible for all aspects of the customer and product lifecycle from Customer Support and Development of Standard Products to leading a Professional Services organization. During her career at Software Dynamics, Inc. /S1 Corporation, she was responsible for 200+ branch/call center implementations at community and regional financial institutions, including some of the top 100 banks. At Banker’s Toolbox, she is currently responsible for Operations, which includes Implementation, Project Management Office, Customer Care, Technical Services and Consulting/Education. | | |  Robert "Bob" Kim
Chief Relationship Officer
Robert’s background is in business technical assistance for early stage technology companies. As former Director of Global Alliances for IPark Ventures (formerly KSI), a Silicon Valley based technology business incubator, Robert has assisted over 40 early stage software companies develop their organizational and market infrastructure through strategic alliance building, business and market planning and execution, as well as venture capital financing. | | |  Tom Czerny
Director of Operations
As the Director of Operations, Tom is responsible for overseeing all new Implementation Projects, add-on sales and Customer Care activities helping Banker’s Toolbox provide superior customer service, support and project management. Tom brings more than 15 years of banking industry experience to Banker’s Toolbox. In addition, more than eight years managing a Professional Services Organization at S1 Corp. (previously Software Dynamics Inc.) where he developed and installed branch automation systems. | | |  Robi Eberstein
Director, Project Management Office
Robi is an accomplished financial services professional with over 30 years in the industry. Robi has worked in both financial institutions and financial servicing organizations in the areas of Branch Operations, Bank Operations, Programming, Project Management and Data Center Management. Robi joined Banker’s Toolbox in October, 2004 and is presently the Director of our Project Management Office (PMO) and is focused on standardizing and optimizing our implementation process and materials. | | |  Timothy White, CAMS
National Risk Specialist, BSA-OFAC
Tim has addressed AML and OFAC issues at conferences throughout the United States. In 2002, he was asked to consult the FBI on interdict software capabilities within the financial institution marketplace. In 2005, Tim provided training for the Federal Reserve Bank’s AML specialists on OFAC compliance technologies. In June 2006 he addressed an EU-US Workshop on Financial Sanctions and Terrorist Financing in Vienna Austria at the request of the US Department of State. Tim is a member of a working group formed by the United Nation’s Al-Qaida Taliban Sanctions monitoring team. He is a member of the ABA’s BSA- OFAC Working Group. Tim was a faculty member on AML/BSA at NACHA’s Payments Institute in 2003.Tim has designed products that assist financial institutions and corporations with their compliance to the AML/BSA and OFAC laws and recommendations, both domestically and on a global scale. | | |  Terry Jones, CAMS
National Risks Specialist, Bank Secrecy Act and Anti-Money Laundering, Regional Sales Manager
Terry Jones is a Certified Anti-Money Laundering Specialist with over 13 years’ experience servicing the financial community in the areas of Operations and BSA. She began working with Banker’s Toolbox as a Product Trainer in July 2005, and then transitioned to the Sales team in January 2007. Prior to Banker’s Toolbox, she worked at several financial institutions including Imperial Valley National Bank, Crocker Bank, Valley Independent Bank, and Rabobank, N.A. Terry is experienced in branch operations as well as managing Bank Secrecy Act and Anti-Money Laundering responsibilities. | | |  Doug Keipper, CAMS
National Risk Manager, Commercial Real Estate
Doug Keipper is a Certified Anti-Money Laundering Specialist (CAMS) and former BSA officer, compliance officer, and loan administrator for a $500M commercial bank in Atlanta before it sold twice in one year. He teaches commercial real estate stress testing and anti-money laundering throughout the southeast. He has spent over 15 years in retail banking, wholesale mortgages and financial services. Doug lives in Duluth, GA with his wife and two daughters, Rebecca (14) and Rachel (12). | | |  Maleka Ali, CAMS
Manager, Consulting & Education
Maleka is a Risk Management Consultant servicing the financial community for over 25 years in Operations, Fraud, Compliance and Risk Management. She has advised on BSA/OFAC compliance and how to effectively utilize automated monitoring systems. Prior to joining Banker’s Toolbox, Maleka managed Operations and BSA compliance at several financial institutions in Southern California. She is a Certified Anti-Money Laundering Specialist and has developed BSA programs along with comprehensive risk assessments at several financial institutions. Maleka has served as faculty member at America’s Community Bankers National School of Banking and as a guest speaker and workshop instructor at various conferences, including the Association of Certified Fraud Examiners. | | |  Michelle M. Lucci, CRCM, CAMS
Risk Management Consultant
Michelle Lucci is an accomplished professional who has worked in the banking industry for over 25 years. In addition to working as a BSA, OFAC, and Community Reinvestment Act Officer, she also has extensive experience as a Commissioned FDIC Bank Examiner in Risk Management and Consumer Compliance working out of the New York and Atlanta FDIC regional offices. Michelle holds two of the banking industry's most prestigious certifications - the Certified Regulatory Reporting Manager (CRCM) and the Certified Anti Money Laundering Specialist (CAMS). | | |  Gary Bancroft
Relationship Manager
Gary Bancroft has over 35 years experience in the financial services industry, primarily in various areas of financial institution data processing. His various roles have been in Customer Support, Marketing and Sales, and Relationship Management. He has worked at several data processing companies including Decimus Corporation, City National Information Systems (CNIS), Metavante, and Aurum Technology. Prior to his work in data processing, he worked at United California Bank and Continental Bank, both in Alhambra, California. Gary has been with Banker’s Toolbox for the last four years in the Marketing and Relationship Management groups. | | |  Kathe M. Dunne, CAMS, AAP
Manager, Product Management
Kathe has worked over 30 years in both financial institutions and financial servicing organizations in the areas of Bank Operations, Risk Management, Compliance, Training/Training Development, Cash Management, Product Management, and Marketing. She joined Banker's Toolbox in January, 2007 and is presently the Manager of the Product Management department. For eight years prior to joining Banker's Toolbox, Kathe operated her own consulting business (KMD Consulting, Inc.), providing consulting services to financial institutions and financial serving companies in the areas of Compliance, BSA/AML, Payment Systems (ACH), Product Management, Training Development and Policy and Procedure. | | |
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Devon Bank's Success Story