Terence Johnson is an accomplished Risk and Compliance Testing professional with over a decade of experience ensuring financial institutions adhere to federal and state regulations. As a licensed attorney, he brings a strong analytical and legal foundation to his work, specializing in risk assessments, control testing, and regulatory change management. Throughout his career, he has played a key role in developing compliance frameworks, identifying control gaps, and implementing proactive solutions to strengthen regulatory oversight. His ability to bridge legal expertise with operational compliance has made him a trusted advisor in the financial services industry, ensuring organizations remain compliant while optimizing efficiency and mitigating risk.

Theodore Roknich is a seasoned enterprise risk and audit executive with over 25 years of experience in financial services, specializing in risk management, internal audit, regulatory compliance, and financial controls. Throughout his career, he has built and led audit and risk management functions, ensuring compliance, strengthening governance, and mitigating financial and operational risks. As a trusted advisor to executive leadership and board committees, he has successfully developed risk management strategies, integrated data analytics into audit processes, and enhanced regulatory compliance frameworks. Currently serving as Enterprise Risk Manager at Horizon Bank, he continues to provide strategic oversight, aligning risk management with business objectives and regulatory expectations. His leadership and expertise have played a critical role in improving financial oversight, operational resilience, and governance within the institutions he has served.

Richard Morgin is a hands-on and accomplished consultant with The Franchise Consulting Company, bringing extensive expertise in lead generation, franchise development, coaching, and closing. As a trusted advisor to executive leadership, he excels at dissecting complex financial and operational challenges, synthesizing data, and presenting strategic solutions that drive business success. With a proven ability to build and lead high-performing teams, Richard fosters a results-oriented culture that maximizes efficiency and profitability. His forward-thinking leadership in controllership, financial planning, and internal audit has consistently delivered significant cost savings and operational improvements. Recognized for his ability to vet strategic plans, analyze financial assumptions, and present data-driven recommendations, he continues to be a key force in helping businesses navigate growth and transformation.

Nichole T. Thompson is a seasoned compliance executive with over 15 years of professional experience in internal audit, compliance, and enterprise risk management. Her...