Julianne (Julie) Baer is the senior manager of the Supervisory Policy & Risk Analysis team at the Federal Reserve Bank of St. Louis. She is responsible for managing a team of economists, bank examiners, and data analysts charged with providing timely and relevant products on economic trends, banking conditions, and financial and capital markets. She also maintains an active examiner commission.

Baer obtained BAs in Business Administration and Economics from Truman State University and completed her MSc in Applied Financial Economics from St. Louis University. She is also in the process of completing the Stonier Graduate School of Banking program.

Michelle W. Bowman took office as the Vice Chair for Supervision of the Board of Governors of the Federal Reserve System on June 9, 2025, for a four-year term. Ms. Bowman has served as a member of the Board of Governors of the Federal Reserve System since taking office on November 26, 2018, to fill an unexpired term ending January 31, 2020. She was reappointed to the Board on January 23, 2020, and sworn in on January 30, 2020, for a term ending January 31, 2034.

Prior to her appointment to the Board, Ms. Bowman served as the state bank commissioner of Kansas from January 2017 to November 2018. She also served as vice president of Farmers & Drovers Bank in Kansas from 2010 to 2017. In addition to her experience in the banking industry, Ms. Bowman worked in Washington, D.C. for Senator Bob Dole of Kansas from 1995 to 1996 and served as a counsel to the U.S. House Committee on Transportation and Infrastructure and the Committee on Government Reform and Oversight between 1997 and 2002. In 2002, Ms. Bowman became director of congressional and intergovernmental affairs at the Federal Emergency Management Agency. From 2003 to 2004, she served as Deputy Assistant Secretary and policy advisor to Homeland Security Secretary Tom Ridge.

Following her time in Washington, D.C., Ms. Bowman led a government and public affairs consultancy based in London before returning to Kansas in 2010. Ms. Bowman received a BS in advertising and journalism from the University of Kansas and a JD from the Washburn University School of Law. She is a member of the New York Bar. Ms. Bowman is married with two children.

Jill Castilla is the chairman, president and CEO of Citizens Bank of Edmond (Citizens) in Edmond, Okla. In 2009, Castilla took the helm of Citizens and led one of the fastest turnarounds during the financial crisis without additional capital, earning the bank American Banker's "Top Team in Banking" award in both 2014 and 2015. She also is the founder of ROGER, a digital-first military bank. A military spouse, military mom and former service member, Castilla is a Civilian Aide to the Secretary of the Army Emeritus and a 2025 inductee into the Oklahoma Military Hall of Honor.

Widely recognized as a leading voice in community banking and economic policy, Castilla has testified before Congress, and has served on the Federal Reserve Bank of Kansas City Community Depository Institution Advisory Council and the Federal Reserve System Federal Advisory Council.

An inventor and patent holder, she partnered with entrepreneur Mark Cuban in 2020 to connect more than 250,000 small businesses to Paycheck Protection Program relief. Her work has earned numerous honors, including American Banker's “Community Banker of the Year” and 12 consecutive years on the publication’s “Most Powerful Women in Banking” list. A frequent speaker on Bloomberg, Fox Business and Yahoo Finance, Castilla has built a reputation for proving that community banking remains one of the most powerful forces in the  American banking system.

Her career began with management roles at the Federal Reserve Bank of Kansas City and service in the Oklahoma Army National Guard. She holds a master’s degree in economics from the University of Oklahoma and a bachelor’s degree in finance from Hawaii Pacific University where she now serves on the board of trustees. 

Jim Fuchs is a vice president at the Federal Reserve Bank of St. Louis, overseeing the operations of the bank’s Applications, Credit, Reserves, Statistics, Business Line Training Services, Quality Assurance, Digital Transformation Consulting, Supervision Policy Research and Analysis, and Supervision Outreach units. Fuchs also oversees a wide range of national outreach programs developed by the St. Louis Fed for community bankers and is a member of several Federal Reserve System workgroups focused on community banking issues. Fuchs also chairs the organizing committee the Federal Reserve/ Conference of State Bank Supervisors’/FDIC annual Community Banking Research Conference. Before joining the St. Louis Fed, Fuchs served as a banking policy adviser and directed financial communications for New York State Comptroller Thomas DiNapoli. Earlier, he was chief of staff to former New York State Banking Superintendent Diana Taylor and served as an advisor to New York City Mayor Michael Bloomberg. He is a former captain in the United States Air Force serving during Operations Desert Storm, Enduring Freedom, and Iraqi Freedom. Fuchs received his MBA from the University of Missouri-St. Louis and his Bachelor of Science from the U.S. Air Force Academy. He also earned a graduate certificate in communications from the University of Oklahoma and a teaching certificate in secondary mathematics from City College in New York. In addition, Fuchs is a graduate of the Department of Defense Information School and the American Academy of Dramatic Arts. He is also a graduate of the Stonier Graduate School of Banking at the University of Pennsylvania’s Wharton School of Business.

Travis Hill is the 23rd chairman of the FDIC, currently serving a five-year term that began Jan. 2, 2026. Hill previously served as FDIC’s acting chairman starting Jan. 20, 2025, and served as vice chairman beginning Jan. 5, 2023. Prior to those terms, he was deputy to the chairman for policy from 2018 to 2022 and, before that, served as senior advisor to the chairman. In these roles, he oversaw and coordinated regulatory and policy initiatives at the agency and advised the chairman on regulatory and policy matters.

Prior to joining the FDIC, Hill served as senior counsel at the U.S. Senate Committee on Banking, Housing and Urban Affairs, where he worked from 2013 to 2018. In this role, he participated extensively in the drafting and negotiating of numerous bipartisan bills. Before working at the Senate, Hill worked as a policy analyst at Regions Financial Corp. from 2011 to 2013.

He earned a Bachelor of Science from Duke University, where he studied economics and political science, and a Juris Doctor from Georgetown University Law Center.

Rhoshunda Kelly was appointed by Governor Tate Reeves to serve as the Commissioner of the Department of Banking and Consumer Finance on March 22, 2021. Kelly has over 20 years of experience as a regulator, beginning her career with the Department as a bank examiner trainee in 2001. She was a field examiner from 2001 to 2011 and became a review examiner in 2012. Kelly was promoted to the Director of Bank Supervision in 2013 and appointed Deputy Commissioner in 2014. As Deputy Commissioner, Kelly managed the banking, mortgage, consumer finance, administration, legal and information technology divisions. She also ensured effective coordination between the state and federal regulators and fostered engagement with regulated industries.

As Commissioner, Kelly ensures effective agency operations and oversees $154 billion in state-chartered banking assets. She also ensures the licensure and supervision of over 8,000 consumer finance and mortgage licensees, which represent 11 financial industries.

Kelly received her undergraduate degree in business with a concentration in Banking and Finance from Mississippi State University. She is a graduate of the Graduate School of Banking at Louisiana State University where she is a past instructor. Kelly is also an honor graduate of the American Bankers Association Graduate Trust School. She serves as a member of the Mississippi Certified Public Manager Advisory Board. Kelly is Vice-Chair of Mississippi State University Finance and Economics Advisory Board and was named a 2019 Leader in Finance by Mississippi Business Journal.

Kelly is active in the Conference of State Bank Supervisors (CSBS) and was recently elected as the Chair Elect of the Executive Committee and Board of Directors.

Brandon Milhorn is the president and chief executive officer of the Conference of State Bank Supervisors (CSBS), the national association representing state financial regulators and a champion for the system of state financial supervision. He was appointed by the Board of Directors in December 2023. CSBS supports state regulators by advocating for responsible policy; engaging with federal regulatory counterparts, the Administration, and Congress; providing research on economic matters, industry trends, and best practices; conducting training and professional development; and developing transformative supervisory technology, such as the Nationwide Multistate Licensing System and Registry.

Milhorn previously held leadership roles at the Federal Deposit Insurance Corporation (FDIC), serving as deputy to Vice Chairman Travis Hill and as chief of staff and deputy to Chairman Jelena McWilliams. Before the FDIC, he spent seven years in the private sector with Raytheon Corporation. Before Raytheon, he held numerous positions over a decade of public service, including as staff director and chief counsel for the Senate Committee on Homeland Security and Governmental Affairs, general counsel for the Senate Select Committee on Intelligence, and as an attorney at the CIA. He began his career with two federal clerkships.

Milhorn holds a B.S. in economics from East Tennessee State University and a J.D. from Cornell Law School.

Thomas Siems is the chief economist with the Conference of State Bank Supervisors (CSBS). He joined CSBS in 2019 after serving 34 years at the Federal Reserve Bank of Dallas and more than 20-year teaching at Southern Methodist University in Dallas. Siems earned a Bachelor of Science in industrial and operations engineering from the University of Michigan and his Master of Science and Ph.D. degrees in operations research from Southern Methodist University. Siems is also a graduate of the Graduate School of Banking at Colorado and has published more than 75 articles in academic, Federal Reserve and referred journals. He delivered a 2015 TEDxSMU Talk, “The Wealth of Innovations,” and has authored five children’s picture books, including “The Dangerous Pet,” which poetically helps readers understand the dangers of debt. 

Alvaro G. Taboada is the Cadence Bank Professor of Finance in the College of Business at Mississippi State University. Taboada is also a CFA charter holder, co-editor of Emerging Markets Review and editor of Corporate Governance: An International Review, and a past president of the Southern Finance Association. Prior to entering academia, Taboada was an international bank examiner at the Federal Reserve Bank of Atlanta. His main research interests are in the areas of banking and international corporate governance. His research has been published in leading journals, including The Journal of Finance; the Journal of Financial Economics; The Review of Financial Studies, the Journal of Accounting Research; and Review of Finance. Taboada teaches financial markets to undergraduate students, as well as a PhD seminar in financial institutions. He received a Ph.D. in Finance from the Fisher College of Business at The Ohio State University.

Carl White is the executive vice president of the Supervision, Credit, Community Development and Learning Innovation division at the Federal Reserve Bank of St. Louis. White has more than 35 years of experience in the Supervision Division of the Federal Reserve Bank of St. Louis.  He is currently senior vice president of the Supervision, Credit and Learning Innovation Division. He has served in various other roles within Safety and Soundness, beginning his career as an examiner. Mr. White has served as lead instructor and course developer on numerous Fed System training courses, including an international assignment in Brazil. In addition, he served as the central point of contact for the District’s largest state member bank before and during the financial crisis. He and his team were nominated for the District’s President’s Award for Innovation as a result of efforts to implement and enhance off-site loan review and examination processes. Mr. White holds a bachelor’s degree with a major in finance from St. Louis University.