Cindy Draper, Retail DDA Strategist, Velocity Solutions

Cindy J. Draper joined Velocity Solutions in 2011 as Retail DDA Strategist. Cindy has 20 years of experience in the banking industry. She has worked her way up through the ranks, holding positions as teller, teller supervisor, personal banker, loan officer, branch manager, loan administration manager, and vice president of retail banking and marketing. Most recently, she held the position of Senior Director of Sales and Marketing for 14 banks at a bank holding company headquartered in Omaha, Nebraska. She was also a member of the Treasury team, assisting the ALCO teams with customer profitability and deposit pricing strategies.

Cindy went back to school and in 2009 graduated with honors from Doane College with a degree in Organizational Communications. Cindy is a certified sales trainer with an emphasis in adult learning and is an alumna of the Nebraska Bankers Association’s Leadership Class of 2008.

Brian Grubb, The Ritz-Carlton Leadership Center

Brian Grubb is currently the Senior Director & Senior Advisor of Learning & Content Delivery and a certified speaker for The Ritz-Carlton Leadership Center – a Corporate University ranked #1 out of the Top 125 global training companies for 2007 by Training Magazine. He travels extensively to share The Ritz-Carlton’s best practices, philosophy and culture with various companies across diverse industries. Brian’s travels include making presentations and extended corporate consultation providing opportunities to leadership and learning professionals who are interested in benchmarking our human resources, leadership, quality and training processes that led to winning the prestigious Malcolm Baldrige National Quality Improvement Award in 1992 and 1999. Additionally, Brian facilitates sessions at our corporate headquarters in Chevy Chase, Maryland.

Prior to his current assignment, Brian was the Director of Training & Organizational Effectiveness for The Ritz-Carlton, Laguna Niguel. Brian was directly responsible for all training and organizational effectiveness of over 900 ladies and gentlemen through the study and implementation of Total Quality Management processes in a world-class hotel. Brian’s duties and responsibilities included service and delivery of all designated training programs.

Brian joined the Ritz-Carlton, Laguna Niguel in 2001 as a Lobby Concierge while holding the titles of Quality Leader and Department Trainer. He was promoted to Quality and Training Manager and then to the Director of Training and Organizational Effectiveness prior to his current position.

Bob Giltner, Chief DDA Strategist, Velocity Solutions

Bob Giltner brings nearly 30 years of experience in the financial services industry to Velocity Solutions. As Chief DDA Strategist, Bob focuses on bringing cutting-edge DDA product strategies to the financial industry.

In 1983, after holding positions in product and retail management, Bob founded Bank Strategy Group, a consulting firm providing software and services to regional and community banks and credit unions in the US and Canada. After building the firm over 18 years, it was purchased by Sheshunoff Management Services, and Bob joined Sheshunoff as Managing Director, where he led the Revenue Enhancement practice.

Bob Giltner co-founded Furnace, Giltner and Associates in 2005 along with David Furnace. The marketing and data services firm focused on driving debit related revenue in the financial industry. In 2008, the firm was acquired by Velocity Solutions. Bob has taught at the Sheshunoff CEO Affiliation Program, the Prochnow Graduate School of Banking, and has been a frequent speaker for the ABA, BMA, BAI and at many other conferences. He has published numerous articles in BAI Banking Strategies, Commercial Lending Review, Bank Cost Accounting, Bank Accounting and Finance, and Bank Compliance Management. He co-authored the American Banker Association publication, Overdraft Protection: A Guide for Bankers, and provided testimony for the U.S. House Committee on Financial Services.

As a volunteer, Bob has served as Chairman of Hubbard Press, a non-profit printing arm of the Presbyterian Church USA, on the Committee of Support Services of the Presbyterian Church USA, President of the Shelby County Community Theater, Treasurer of the Kentucky Chapter of the American Diabetes Association, and member of Third Century of Louisville, the Alumni Board of Centre College, Leadership Shelby and the United Way.

Bob holds a BA in Economics from Centre College, and an MBA from the University of Virginia. He resides in Simpsonville, KY.

Christopher Leonard, President, Velocity Solutions

Christopher Leonard serves as President for Velocity Solutions. He is responsible for the day-to-day operation and management of the company.

Prior to becoming President, Christopher served as Chief Operating Officer & General Counsel of the company from 2005 from 2011. Prior to joining the company in 2005, Christopher was a corporate and tax partner with Wilmington, North Carolina's largest law firm, where he worked with privately and publicly held corporations in various transactional, compliance and advisory capacities. He also served as counsel to Velocity Solutions advising on, among other things, regulatory and tax issues affecting the banking and health insurance industries. This experience allows him to serve as a resource for clients on regulatory and tax issues affecting the financial and insurance industries, including Regulation E (Electronic Fund Transfers; Requirements for Overdraft Services), Regulation Q (Premiums on Deposits), Regulation DD (Truth in Savings), Gramm-Leach-Bliley (Financial Privacy Rule), W-2 issues in employee incentive programs, HIPAA nondiscrimination rules for wellness programs, and 1099 issues for deposit accounts.

Christopher received his Bachelor of Arts and Juris Doctor degrees from Wake Forest University. He has served in leadership roles in various nonprofit organizations, including serving as president of the Community Boys & Girls Club of Wilmington, NC, chairman of the Foundation for the Community Boys & Girls Club, a founding director and vice president of the St. James Parish Foundation, and a member of the Board of Visitors of the Wake Forest University School of Divinity.

Christopher lives in Wilmington with his wife, Laura, and their two children. Christopher is a commercial pilot with multi-engine, single-engine, instrument and seaplane ratings and in his free time he flies his Beechcraft Baron or anything else that defies gravity.