Michael L. Ayer

The Risk Management Association was founded in 1990 and promotes an enterprise approach to risk management, with a focus on credit risk, market risk, and operational risk. The non-profit company is based in Philadelphia, PA and has subsidiaries in the United States. RMA has 1,700 institutional members, including banks of all sizes and nonbank financial institutions, represented by 18,500 individuals located throughout the country and the Pacific. The company offers the largest offering of risk-focused resources for the financial services industry and maintains a strong community of risk professionals through events and courses that advance the understanding of risk management in financial services.

The Tennessee Bankers Association is a non-profit organization that represents commercial banks and thrifts in Tennessee. The non-profit company is based in Nashville, TN. The association offers continuing education, monitors state and federal legislative agendas, provides information on the financial services industry, and promotes the public image of financial institutions.