2018 Community Banking in the 21st Century Research and Policy Conference

Speakers and Panelists

profile image James Bullard is president and CEO of the Federal Reserve Bank of St. Louis. He participates in the Federal Open Market Committee (FOMC) and directs the activities of the Bank’s head office in St. Louis and of its branches in Little Rock, Ark., Louisville, Ky., and Memphis, Tenn. An economist, Bullard joined the Bank in 1990. His research has appeared in numerous professional journals, including the American Economic Review, the Journal of Monetary Economics, Macroeconomic Dynamics and the Journal of Money, Credit and Banking. A peer reviewer for many periodicals, he currently serves as co-editor of the Journal of Economic Dynamics and Control. Since becoming president in 2008, Bullard has called for the FOMC to adopt state-contingent policy and to give greater consideration to headline inflation than core inflation when deciding monetary policy. In the wake of the financial crisis, he supported quantitative easing and warned about the possibility of the United States’ falling into a Japanese-style deflationary trap. He has also argued that the U.S. output gap may not be as large as many estimates suggest. Bullard is an honorary professor of economics at Washington University in St. Louis, where he also sits on the advisory council of the economics department and the advisory boards of the Center for Dynamic Economics and the Wells Fargo Advisors Center for Finance and Accounting Research. He is the chairman of the U.S.A. United Way Board of Trustees and a member of the Worldwide United Way Board of Trustees, the University of Missouri-St. Louis Chancellor’s Council and the Greater St. Louis Financial Forum. Bullard also serves on the board of the St. Louis Regional Chamber. A native of Forest Lake, Minn., Bullard earned his doctorate in economics from Indiana University in Bloomington. He holds Bachelor of Science degrees in economics and in quantitative methods and information systems from St. Cloud State University in St. Cloud, Minn.
profile image Charlotte Corley is the commissioner of the Mississippi Department of Banking and Consumer Finance (DBCF). She was appointed by Governor Phil Bryant in November 2014. Corley has more than 30 years with the DBCF. After joining the DBCF in 1985, as a bank examiner, she worked her way through the ranks to become banking division director in 2000, and deputy commissioner in 2013. A native Mississippian, Corley earned a Bachelor of Business Administration degree in banking and finance from Mississippi State University. She is a graduate of the School of Banking of the South at Louisiana State University and a graduate of the American Bankers Association’s National Graduate Trust School at Northwestern University. She is a certified public manager, certified examinations manager, certified trust examiner, and a certified state credit union examiner. Corley is Chair of the Conference of State Bank Supervisors (CSBS), the nation’s leading advocate for the state banking system and the only national organization dedicated to advancing the state banking system. She was a longstanding member of the Interagency Supervisory Processes Committee, helping coordinate the regulatory processes of Federal and State banking regulatory agencies and a past member of CSBS’ state supervisory processes and technology committees, coordinating activities, developing positions, and making recommendations to the Board regarding supervisory matters. She is former Chair of the CSBS Education Foundation of State Bank Supervisors. In addition, Corley is a past member of the Federal Financial Institutions Examination Council’s Task Force on Examiner Education.


profile image Andrew P. Meyer is a senior economist in the Community Bank Research and Outreach office of the Federal Reserve Bank of St. Louis. He received a doctorate in economics from Washington University in St. Louis and has worked at the Federal Reserve since 1994. In addition to his research on community banking issues, he conducts statistical analysis of the downgrade and failure risk of commercial banks. He also serves on a committee to improve the Federal Reserve's off-site bank surveillance program and has taught regularly in examiner training schools.
profile image Randal K. Quarles took office as a member of the Board of Governors of the Federal Reserve System on October 13, 2017, to fill an unexpired term ending on January 31, 2018. He was sworn in as Vice Chairman for Supervision on October 13, 2017. His term as Vice Chairman for Supervision ends on October 13, 2021.

Prior to his appointment to the Board, Mr. Quarles was founder and managing director of the Cynosure Group, a Utah-based investment firm. Before founding the Cynosure Group, Mr. Quarles was a partner at The Carlyle Group, a private equity firm based in Washington, DC.

From September 2005 to November 2006, Mr. Quarles served as Under Secretary of the Treasury for Domestic Finance. Prior to serving as Under Secretary, from April 2002 to August 2005, Mr. Quarles was Assistant Secretary of the Treasury for International Affairs. During his tenure, Mr. Quarles served as policy chair of the Committee on Foreign Investment in the United States. Prior to joining the Department of the Treasury, Mr. Quarles served, from August 2001 to April 2002, as the U.S. Executive Director of the International Monetary Fund.

From January 1991 to January 1993, he served in the Treasury Department as a Special Assistant to the Secretary of the Treasury for Banking Legislation and as Deputy Assistant Secretary of the Treasury for Financial Institutions.

Prior to, and in between, his service at the Department of the Treasury, Mr. Quarles was a partner at Davis Polk & Wardwell, serving in their New York and London offices.

Mr. Quarles was born in September 1957. He received an A.B. in philosophy and economics, summa cum laude, from Columbia in 1981 and earned a law degree from the Yale Law School in 1984.

Mr. Quarles is married with three children.

profile image John W. Ryan is the president and CEO of the Conference of State Bank Supervisors, the national association representing state banking supervisors and the leading advocate for advancing the state banking system. Before being named CSBS president and CEO in August 2011, Ryan was CSBS's executive vice president, a position he had held since October 2003. He first joined CSBS in 1997 as an assistant vice president for legislative affairs. Prior to joining CSBS, Ryan worked at Newmyer Associates, a public affairs consulting firm, where he led the company's financial services consulting practice. Previous to his work at Newmyer Associates, Ryan spent four years as a professional staff member to the U.S. House of Representatives Committee on Banking, Finance and Urban Affairs. Ryan received a bachelor's degree in political science and economics from the University of California-Berkeley.
profile image Julie Stackhouse is executive vice president and managing officer of supervision, credit, community development and learning innovation for the Federal Reserve Bank of St. Louis. Prior to joining the St. Louis Fed in September 2002, Stackhouse served as vice president and managing officer of the Risk Management department of the Federal Reserve Bank of Minneapolis. In addition, she was formerly an officer with the Federal Reserve Bank of Kansas City prior to relocating to Minnesota in 1995. She served in many capacities at the Kansas City Reserve Bank, starting as an examiner in 1980. Stackhouse holds a bachelor's degree in business administration from Drake University and is a graduate of the Wisconsin Graduate School of Banking. She currently serves as president-elect of the Board for National Charity League, Inc., a mother-daughter philanthropic organization, and as a member of the St. Louis Forum. In 2010, Stackhouse was named a St. Louis Business Journal “Most Influential Business Women” recipient, and in 2016, was recognized with the Delta Sigma Pi Lifetime Achievement Award.
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Michael Stevens is the senior executive vice president at the Conference of State Bank Supervisors (CSBS). He is responsible for leading the organization's public policy, financial supervision, federal coordination, communications, industry relations and professional development functions. Stevens also serves as the principal deputy to the state banking member of the Financial Stability Oversight Council. Prior to his appointment in September 2011, he served as the senior vice president for regulatory policy, representing the state banking system in the development of policy in the areas of financial stability, prudential supervision and consumer protection. He joined CSBS in 1999 to work in all facets of CSBS's professional development division. Stevens is a frequent instructor and speaker on banking policy, examinations and financial analysis. He serves on the faculty of the Graduate School of Banking at Colorado and at Texas Tech University's School of Banking. He began his regulatory career as a bank examiner for the Iowa Division of Banking, where he served 11 years.