Jonathan is a national expert on real estate trends and market conditions across the country. As executive director of research for Hanley Wood’s Housing Intelligence, he oversees market studies and forecasts on residential housing, multi-family construction, remodeling, economic conditions and consumer demand for over 800 local markets.

Since ALM First Financial Advisors, LLC was established in 1995, Thomas has served as a principal of the company. Under his leadership, the company has steadily grown to a client base of more than 150 financial institutions representing more than $170 billion in assets. An industry veteran with more than 20 years of investment experience, Thomas manages the financial advisory teams and provides direction on the firm’s corporate strategy. During his tenure at ALM First, he has conducted numerous training sessions throughout the credit union industry.

Thomas' prior experience includes serving as assistant vice president for the Credit Union Advisory Group of Kidder Peabody Asset Management, and as portfolio manager for Southwest Corporate FCU, where he was responsible for investments for the corporate’s term portfolio of more than $2 billion.

Mr. Manley’s extensive background includes executing and managing risk-management programs, and implementation of one of the first-ever uses of futures hedging and synthetic structures in the credit union industry. He also served as the investment advisor for more than 25 natural-person and corporate credit unions, as well as the portfolio manager for one of the first mutual funds offered exclusively for credit unions.

Paul is the president of Scenario Economics LLC, an independent economic research and forecasting company specializing in the analysis of ever-changing economic landscape and its potential impact on the business environment. Paul retired in 2008 from Chrysler LLC where he had worked for nearly 25 years, having been promoted through management information systems and corporate financial analysis to the position of corporate economist. Paul worked in Chrysler’s corporate economist’s office for more than 17 years where his responsibilities included tracking the economy and forecasting its impact on North American auto sales. Paul is the current president of the Detroit Association of Business Economists, a member of the National Association of Business Economists, and the Society of Automotive Analysts, and has served as an adjunct faculty member at Oakland University in the School of Business Administration.

David, CFA, CFP, is a principal and senior fixed]income portfolio strategist at Payden & Rygel. He oversees the firmfs trading operations and is a key member of the portfolio management team responsible for developing strategies for short] and intermediate]term fixed]income portfolios.

Prior to joining Payden & Rygel, Ballantine traded corporate, asset]backed and mortgage securities at The Capital Group and worked in the fixed]income department at Fidelity Investments.

David is a member of the CFA Institute, Investment Counsel Association of America, Inc. and the Financial Planning Association. He is also a member of the Leadership of Southern California and the L.A. Works Organization.

Mike is vice president of economics and statistics for Credit Union National Association. He conducts economic and financial research and provides support for CUNA Governmental Affairs and Public Relations efforts. His analyses regularly appear in publications such as CUNAs Credit Union Magazine and CU360 Newsletter. Mike has over 25 years of experience in the financial services industry. Before joining CUNA in 1992, he was the director of research for Financial Research Corporation, where he conducted economic analyses, competitor evaluations and product-line planning for mutual fund companies.

John D. Worth is the Chief Economist of the National Credit Union Administration (NCUA). The Office of the Chief Economist is focused on monitoring macro and micro risks and leveraging economic tools and analysis to support policy development. Prior to joining NCUA, Dr. Worth spent nearly a decade at the U.S. Treasury and served as Director of the Office of Microeconomic Analysis between 2003 and 2010 and Acting Deputy Assistant Secretary for Microeconomics during 2008. At Treasury, Dr. Worth’s office oversaw policy development and research on entitlements, health care, private pensions and housing issues. Dr. Worth has also worked as a consultant for Welch Consulting and the RAND Corporation. Dr. Worth holds a Ph.D. in economics from the University of Southern California.

Mary is senior vice president and deputy general counsel for the Credit Union National Association in Washington, DC. Mary currently leads CUNA's Regulatory Advocacy Department, which is comprised of three attorneys in addition to her. In this capacity, she presents credit union interests before the National Credit Union Administration, the Federal Reserve Board, the Federal Trade Commission, and other federal agencies.

Mary is responsible for correspondence with government agencies, including all regulatory comment letters CUNA files. She ensures that credit union regulatory developments are communicated to CUNA members on a timely basis through such publications as CUNA's RegWatch, a biweekly electronic newsletter. She is a frequent speaker at CUNA and league meetings. Mary is chief staff liaison to CUNA's Examination and Supervision Subcommittee and to the CUNA Federal Credit Union Subcommittee; she is also a liaison to the CUNA Governmental Affairs Committee.

Bill is senior vice president of the research and policy analysis department and chief economist for Credit Union National Association. He joined the department as an economist in 1978, was promoted to vice president in 1985, then appointed to senior vice president in 1992. He also writes economic analysis columns for several credit union publications.