Anne J. Cheatham has had a varied career in the financial institution's industry. During her career, she served for over 20 years as a member of senior management in three de novo banks, each of which she helped form. She served for 3 years as a member of a bank’s board of directors. Anne has had responsibility for many financial and administrative areas including regulatory reporting, accounting, auditing, retail deposit and delivery services, compliance, asset-liability management, bank investments, bank operations, and information technology.
Ms. Cheatham is currently an independent financial institutions consultant working with banks in the areas listed above. She has authored or co-authored more than 10 publications for and has been a frequent speaker in the financial institutions industry having conducted training programs for bankers nationwide on behalf of BankersWeb, Jack Henry National Users Group, Tennessee Bankers Association, and BAI, as well as Sheshunoff Consulting + Solutions.
Karen Freeman has a passion for banking advancement and innovation. She is a speaker with the BankersWeb speaker series speaking regularly on evolving trends, self-service banking, marketing, and emerging payment solutions. She along with two other BankersWeb speakers administer the Electronic Banking Certification Series, now in its third year.
Ms. Freeman regularly contributes to The Bank Teller/CSR Report distributed monthly through LexisNexis. This publication is structured to assist front line branch, banking staff. Karen’s topics focus on customer service, sales, innovation, and other financial related topics.
Karen is a client experience officer for First Citizens National Bank headquartered in Dyersburg, Tennessee. She is part of skilled team of bankers charged with deploying innovative initiatives in an emerging market for the Bank. The level of combined innovation planned, including employee structuring, technology placement, and self-service banking, has previously not been attempted within the specified Tennessee market. Her responsibilities include team leadership, market profitability, business development and sales as well as fostering the brand and culture of the bank both internally and externally within the market.
Prior to joining First Citizens National Bank, Karen served as a financial services officer for a statewide financial institution, a vice president of marketing for a community bank, and a marketing representative for a statewide commercial bank. Freeman holds a B.A. in Communication from the University of Tennessee at Martin. She, her husband, and two children reside in Bells, Tennessee.
J. Scott Gupton
J. Scott Gupton is executive vice president and chief operating officer of INSBANK, Nashville, TN. Scott serves as a senior officer responsible for supervising and managing the overall operations and security of the bank, facilities, employees and data and ensuring all functions are operational, efficient and compliant with state and federal regulations. His previous experience included serving as COO and principal financial officer for a community bank with responsibilities which included overseeing bank operations, accounting, financial reporting, facilities, information technology, vendor management and auditing functions. Scott’s diverse banking experience also includes operations management, relationship management and lending as well as some of his current responsibilities, at a state-wide commercial bank, a large national bank and a midsized community bank.
He is a graduate of the University of TN at Knoxville with a BS in business administration and marketing. He is also a graduate of The Southeastern School of Banking at the Owen Graduate School of Management at Vanderbilt University. Scott has spoken to industry groups on remote capture, merchant capture and branch capture strategies, risk assessment, risk management, e banking and bank operations. He has co-authored 2 publications for a banking industry publisher, has spoken at financial industry conferences and has served as an expert witness on financial industry matters. He is currently serving as an instructor for national certification programs for both e-banking officers and tellers.