Florida Bankers Association Annual Meeting 2026

John P. Cole is Gunster’s former Jacksonville Office Managing Shareholder. John practices exclusively in the areas of fiduciary risk management for professional fiduciaries, and complex probate, trust and guardianship litigation. He is a Florida Supreme Court certified circuit court mediator who brings his years of litigation and dispute resolution experience to bear on behalf of parties and their litigation counsel in probate, trust and guardianship litigation. John’s approach to fiduciary risk management is grounded in years of experience litigating complex, high-stakes commercial and fiduciary disputes. Effective risk management demands litigation experience, substantive expertise and critical knowledge of and insight into the internal processes and sensitivities of professional fiduciaries. John brings his “proactive” risk management approach to his representation of professional and family member fiduciaries. He is a regular speaker to professional fiduciary and financial services industry groups on fiduciary risk management. John’s professional fiduciary clients also receive onsite fiduciary risk management training. Effective representation of distraught family members in probate, trust and guardianship cases require an appreciation of the powerful emotions often driving these disputes. Litigation among family members is unpleasant. Experienced litigation counsel recognize the importance of balancing a client’s strong desire to litigate on “principle” with the inevitability of a collision between the client’s principles and a fundamental rule of all good legal representation — “the cure cannot be worse than the disease.” As a mediator, John’s litigation experience and strong personality all support his commitment to finding creative, cost-effective solutions to seemingly intractable disputes among family members over family wealth. John’s abilities as a mediator are often employed in his representation of professional fiduciaries who find themselves caught in the middle of a family feud over inherited wealth.

Marcey Hoelting is a Bank Examiner in the Asset Management Policy division at the Office of the Comptroller of the Currency. She is responsible for developing policy applicable to fiduciary and related services of national banks and federal savings associations, providing guidance to internal and external stakeholders, and conducting analytics. ​Marcey has been in various roles at the OCC since 2010, including, positions in Policy, Economics, the Office of Innovation, and Systemic Risk Analysis. She obtained a Bachelor’s in Economics/Finance as well as a Master’s of Business Administration from the University of Dallas and a Master’s of Public Policy from Hertie School of Governance in Berlin, Germany.

Before joining Northern Trust in 2016, Bobbi held key roles at The Charles Schwab Trust Company of Delaware, The Rockefeller Trust Company, and Wilmington Trust Company, where she was responsible for trust administration and tax preparation for affluent clients. She graduated from the University of Delaware with a degree in Business Administration, concentrating in Finance, and earned her Certified Trust and Financial Advisor (CTFA) designation in 1996. ​Currently, Bobbi serves as the Regional Chief Fiduciary Officer, Chief Administrative Officer, and Senior Vice President for Northern Trust in Delaware, leading a team of Trust Advisors and Account Managers. She specializes in providing comprehensive Delaware trustee services to ultrahigh-net-worth individuals and wealthy families. Bobbi is an active volunteer for FARE and a member of the Wilmington Tax Group and the Estate Planning Council of Delaware. She is married with two daughters and enjoys reading, traveling, and spending time with her family.

Candace Marshall is a senior trust advisor at Wells Fargo Bank’s Wealth & Investment Management division in Orlando, Florida, with over 40 years of experience in the financial services industry. She integrates fiduciary and investment knowledge to help clients grow and preserve their wealth. Before joining Wells Fargo, Candace worked at SunTrust Bank for 28 years and now holds professional designations as a Certified Trust and Fiduciary Advisor and Chartered Advisor in Philanthropy. Residing in Orange City with her husband, Candace is actively involved in the Planned Giving Council of Northeast Florida, the Florida College System Foundation, and the Florida Bankers Association Trust Executive Committee. Outside of work, she enjoys deep-sea fishing, crafting, and spending time with her family, including her three dogs and two cats.

Danny Capitel has over 30 years of experience in banking and finance, with insights into funding, liquidity management, and customer acquisition and retention for banks. He is the Managing Director for your region and works out of the Atlanta, Georgia area. Prior to joining IntraFi 19 years ago, he was an accountant in the private sector and moved to sales with Pitney Bowes and Dictaphone. Danny earned his degree from The University of Tennessee.

Sharon Reich is a Senior Trust Advisor for AGED, Inc. where she works with clients to implement and administer special needs trusts. She has been involved with the trust industry since 1991 and specializes in providing Trust services to seniors and persons with disabilities. Sharon speaks throughout the community to educate and promote awareness of special needs trusts and government benefits. Sharon earned her Finance degree from the University of Central Florida and is an Honor Graduate of Cannon Financial Institute Trust School. She obtained her designation as a Certified Trust and Financial Advisor in 1998 and as a Certified Senior Advisor in 2011. Mrs. Reich is a Past President of the Central Florida Estate Planning Council and the LPGA Amateur Golf Association, Orlando Chapter. She is a board member of the Gracia B. Livingston Foundation and received the Canon Businesswoman of the Year Award in 2007 from the LPGA Amateur Golf Association. Mrs. Reich has two grown children and resides in Orlando, Florida with her husband of over 40 years.

Morgan Crowley is a senior manager from Wipfli LLP’s Atlanta office with over 7 years of experience in providing risk advisory, accounting, and auditing services, serving clients exclusively in the financial institution industry. Morgan is experienced in providing financial statement audit and outsourced internal audit services to a variety of private and public financial institutions. She has particular expertise with CECL, SEC reporting, SOX internal control documentation, testing and consulting services for both accelerated filers and small reporting companies, as well as FDICIA compliance and consulting for financial institutions with greater than $1 billion in total assets. Morgan is a native to southeast Georgia, received her bachelor’s and master’s degrees in accounting from Georgia Southern University, and is a CPA.

Dr. Jeffrey (Jeff) Roach is the Chief Economist for LPL Financial, while also serving as a voting member of the Strategic and Tactical Asset Allocation Committee (STAAC) where his ability to relate economic conditions to financial market outcomes is highly valued. His broad experiences on an institutional trading floor and in portfolio management, make him an engaging speaker for any audience. Prior to his current role at LPL Financial, Jeff was a Senior Economist with Visa where he focused on macroeconomic forecasting for both internal stakeholders and external global clients. He started his career as a Trading Floor Economist on Bank of America’s corporate trading desk and was also a Portfolio Manager for a 5-star mutual fund. While on Bank of America’s corporate trading desk, his group was responsible for internal economic research that was periodically sent to FOMC officials. In order to facilitate cutting edge research, Jeff maintains frequent contact with Federal Reserve economists, Wall Street analysts and other leading money managers from around the world. Jeff is a contributor to the financial press, as well as a sought-after speaker, and has presented economic research to international audiences. Jeff earned both a PhD and a MA in Economics from Clemson University and a BS in Mathematics from Bob Jones University. He also received a visiting research appointment at Harvard University.

Bradley is a licensed CPA, CFA charterholder, and senior manager at HORNE where he specializes in serving clients in the financial institutions industry. He has extensive experience performing and managing a variety of internal audit and external assurance engagements for both publicly traded and private community banks, including those involving internal controls over financial reporting. Additionally, he provides consulting and advisory insights regarding risk management practices and collaborates with clients to proactively prepare for new accounting standards or regulatory requirements. Bradley joined HORNE in 2017 and is a graduate of The University of Southern Mississippi where he received a Bachelor of Science in Business Administration in Banking & Finance as well as Accounting. In addition, Bradley graduated with honors from the Southeastern School of Banking. Bradley is an active Board member of his local community’s Habitat for Humanity organization and chairs the Banking Committee of the Mississippi Society of CPAs.

David Torre is Director of Wealth Planning and Senior Vice President at Seacoast Wealth Management. He leads the wealth planning team and works with ultra-high-net-worth families to craft strategies around estate, financial, and philanthropic planning. David also currently serves as an adjunct instructor at the Edyth Bush Institute at Rollins College where he teaches courses on charitable gift planning. Previously, David held the roles of Director and Wealth Strategist with two national multi-family offices, and practiced law with a boutique law firm focused exclusively in the areas of estate planning, probate, trust administration, and charitable gift planning. David also previously served as Director of Gift Planning at Rollins College, where he was responsible for working with donors to develop philanthropic strategies with complex tax, financial, and legal implications including gifts of fine artwork and endowments. David has served on the boards of the Charitable Gift Planners of Central Florida, the Winter Park Public Library, the Bach Festival Society of Winter Park, and the Central Florida (Community) Foundation. In addition to being a member of The Florida Bar, David holds the Certified Financial Planner™ (CFP®), the Accredited Estate Planner (AEP®), the Certified Exit Planning Advisor (CEPA®) and the Chartered Advisor in Philanthropy (CAP®) designations. David earned his Bachelor’s Degree in International Affairs from Rollins College and his Juris Doctor from the University of Florida.

Alyssa Razook Wan is a Tax , Trust and Estates attorney who handles a variety of domestic and international matters for high-net-worth individuals and families, such as structuring and preparing sophisticated estate plans and trust agreements, structuring investment in and transfer of U.S. real property by non-residents, pre-immigration planning and estate planning involving multinational families and investments. She also assists clients who have recently relocated to Florida in establishing their homestead and estate plans under Florida law. Alyssa works closely with clients to form and provide ongoing counsel to not for profits, private foundations and public charities. Additionally, she has developed a special expertise in assisting clients to carry out their charitable goals by supporting non-U.S. charities and activities, either by forming U.S. foundations or preparing equivalency determination letters. ​ Alyssa obtained her Master of Law degree in Taxation, at the University of Miami School of Law, her Juris Doctor degree, c um laude , from Washington University in St. Louis School of Law, and her Bachelor of Science degree in Industrial & Labor Relations from Cornell University.

TriSource Associates, LLC is a training and organizational development consulting firm specializing in the design and facilitation of customized leadership and sales training programs, executive coaching, human resources consulting, and organizational development consulting. Edith’s background includes corporate-level positions in banking including: VP Training Director, SVP Human Resources Director, EVP Director of Organizational Development and EVP Trust and Investment Sales Manager. She is a Certified Coach with a BA in Education and a Masters Degree in Educational Administration. Edith is affiliated with the University of Florida’s Office of Professional and Workforce Development as a consultant, workshop facilitator and executive coach.

Mike Holt’s banking and consulting experience have established him as a lead revenue enhancement and EFT/interchange expert. As Partner, Mike works diligently to keep PRI grounded in roots of helping community banks function more efficiently and effectively, while continuing to look toward the future at industry evolution for those same clients. As a consultant, Mike delivers the firm's Non-Interest Income work, implements and maintains the EFT profitability and performance model he built, negotiates system contracts, and manages projects of all shapes and sizes. As a speaker, Mike simply attempts to improve at avoiding projectile tomatoes and the ever-growing indoor cricket population.

Jill joined Northern Trust in 2016 and brings over twenty years of experience in administering Delaware trusts. Previously, she held roles as a Senior Trust Officer for Charles Schwab Trust Company of Delaware and as a Trust Administrator for J.P. Morgan Trust Company of Delaware, where she managed personal trust accounts for high-networth individuals and families. Jill holds a Master’s in Business Administration from Wilmington University and a Bachelor’s in Business Administration with a concentration in Marketing from Duquesne University. She is a Certified Trust and Financial Advisor (CTFA) and has a Certificate in International Trust Management. ​As a Senior Fiduciary Officer, Jill specializes in comprehensive Delaware trusts and administrative services for ultra-high-net-worth clients, both domestically and internationally. Outside of work, she is married with three children and enjoys reading, traveling, and spending time with her family. Jill is also an active volunteer with the Boy Scouts of America organization.

Kathy Kraninger is the President & CEO of the Florida Bankers since November 2023. Immediately prior, Kraninger was the Vice President of Regulatory Affairs at Solidus Labs where she led the firm’s regulatory strategy and works to advance market integrity and responsible innovation in digital asset markets. Previously, she served as the Senate-confirmed Director of the Consumer Financial Protection Bureau from December 2018 until January 2021, leading the 1,500-person independent, regulatory and law enforcement agency. She made her mark on all aspects of the agency’s mission and operations, particularly in facilitating innovation, promoting financial inclusion and leading through the economic uncertainty of the global pandemic. In addition, Kraninger served on the board of the Federal Deposit Insurance Corporation, the Financial Stability Oversight Board, and as chair of the Federal Financial Institutions Examinations Council. Her distinguished public sector career spans senior roles at the Departments of Transportation and Homeland Security, the Office of Management and Budget, and in both the Senate and the House of Representatives. In her personal capacity, Kraninger serves on her parish’s Finance Committee and as an advisor to the American Cornerstone Institute, among other engagements. Kraninger graduated magna cum laude from Marquette University and earned a law degree from Georgetown University Law Center. She is a member of the Pennsylvania and DC Bars. She served as a U.S. Peace Corps Volunteer in Ukraine.

Marty’s journey through the financial services industry since the 1980’s positions ERMA Strategies, LLC to be a unique provider of strategic analytics and enterprise risk management for community banks across the United States. Marty started his career as an executive manager at First Horizon National Corporation where over his 20-year career he had served as Chief Financial Officer, Head of Investor Relations and Strategic Planning, ALCO Chairperson and Chief Economist. As CFO, Marty guided First Horizon through four years of Sarbanes-Oxley and directed the Treasury, Tax, Controller, M&A, Strategic Planning, and Investor Relations Departments. Marty’s experience at First Horizon has helped him gain a strong understanding of the banking industry which he has used to develop differentiated bank profitability analysis, risk measurement approaches, liquidity building tools, capital planning policies, and correlations of profitability to market valuations. Marty also led the Financial Institutions Group for Guggenheim Securities for seven years where he published research on the 25 largest banks in the U.S. This experience allowed Marty to generate the management analytics that he built at First Horizon from the outside of a bank looking in. As a result of this combination of experience and this differentiated analysis Marty’s teams have received numerous awards over his career: ranked first by Integrity Research and Investors’ performance, won Bank Analyst Annual Best Investor Relations at a Mid-Cap Bank award twice, and recognized by Investor Relations Magazine for one of the best Roadshows of any mid-sized company. Marty graduated from the University of Pennsylvania in 1988 with the degree of Masters of Arts in Economics and from the University of Memphis with the degree of Bachelor of Arts with Honors in Economics in 1986.