Kerrington Eubanks is Vice President of Capital Markets at Lendistry, a national technology-enabled CDFI. Seasoned in financial services, she brings experience across banking, capital markets, strategic partnerships, and community development finance, with a focus on connecting financial institutions and capital to expand economic opportunity for small businesses.

Everett K. Sands leverages his 25+ years of experience in banking to change the game for small business owners who need access to responsible capital to reach the next level. For his leadership at Lendistry, Mr. Sands has shared his recommendations before Congressional committees and was named an Entrepreneur Of The Year® Greater Los Angeles award winner and national finalist in 2024. He has appeared as a subject matter expert on national business media, including CNBC, the Wall Street Journal, and Bloomberg. When Mr. Sands saw the accelerating trend of capital becoming less accessible and more expensive for small businesses owned by minorities, women, veterans and rural-dwellers, he recruited an experienced team of fellow banking professionals and founded Lendistry. A graduate of the University of Pennsylvania, Mr. Sands is an Advisory Board member of The Penn Institute for Urban Research (Penn IUR), and a Board member of Goodwill of Orange County, and the Los Angeles Area Chamber of Commerce.

Amanda Coleman is the Head of Embedded Banking Partnerships & Issuing at Thread Bank, where she drives the bank’s embedded banking partnership strategy and is card issuance.

Coleman brings years of experience in fintech banking, with a focus on building and supporting the partnerships that allow non-bank and fintech companies to bring compliant, scalable card and banking programs to market. Her work sits at the intersection of partnership development, card issuance, and the operational discipline required to launch and sustain embedded financial products.

Coleman holds a Bachelor’s degree in International Business and Marketing Management from Johnson & Wales University and an MBA from Indiana State University.

Sudharshan Krishnan is Head of Go-to-Market at Sympera AI and has more than two decades of experience in financial-services technology and banking innovation.

He works closely with banking executives to explore how AI can strengthen relationship banking, improve frontline productivity, and reshape commercial banking operating models. His experience spans strategy, solution design, and the implementation of emerging technologies across financial institutions.

Sudharshan holds a master’s degree in operations research from The University of Texas at Austin.

As business clients expect more proactive, informed banking, innovative community and regional banks are using AI to help commercial bankers spot opportunities earlier, engage prospects with more relevance, and bring consistency to business development. The premise is simple: AI won’t replace relationship managers – it helps them know who to call, why, and what to discuss. This session follows one community bank from pilot to bank-wide rollout across its relationship-manager teams, what the market managers actually experienced, the operating-model changes it required, and the results it produced. Such transformation is enabling banks of any size to compete for commercial relationships against the AI budgets of the largest banks.

Michael Minetti is a seasoned banking executive and sales leader with extensive experience driving growth, developing high-performing teams, and adopting innovative strategies that enhance customer and business client relationships. Since joining Republic Bank of Chicago in 2013, he has played a key role in advancing the bank’s retail and small business banking strategies while helping develop the next generation of leaders.

As Senior Vice President and Head of Retail Sales at Republic Bank of Chicago, Michael leads the sales strategy and performance of the bank’s 20-branch retail network. He partners with Market Managers and lending teams to drive business growth, strengthen customer relationships, and deliver exceptional service while maintaining a strong focus on operational excellence and employee engagement. He has also helped lead the adoption of AI-powered sales and relationship management tools, enabling bankers to identify opportunities more effectively, deepen client relationships, and enhance business development outcomes.

Throughout his career, Michael has built a reputation for developing successful teams, fostering a culture of accountability, and helping organizations navigate change while achieving sustainable results. His leadership approach combines strategic vision with a deep commitment to coaching, talent development, collaboration, and community involvement.

Michael is passionate about helping bankers leverage technology and AI to strengthen, rather than replace, the personal relationships that remain at the heart of community banking.

Michael earned his Bachelor of Arts in Business and Technology from Governors State University.

Oscar D. Johnson, Jr. joined Wintrust in 2025 and serves as the Executive Vice President of Business and Community Banking which includes oversight of Wintrust’s SBA offering.

Prior to Wintrust, Oscar spent 11 years at BMO where he led Business Banking in the U.S. before transitioning to lead Treasury Management Sales in his last role. He served in varying leadership roles prior to BMO at LaSalle Bank, CIBC and Associated Bank.

His roles in Financial Services and within the Chicago community have shaped his reputation as an experienced banker, passionate leader, strategic planner and analytical thinker.

He currently serves on the boards of UCAN and the Oak Park River Forest Community Foundation. He recently rolled off the boards at the Lincoln Park Zoo, Allies for Community Business and IFF. He’s intentional about providing access to opportunity for those in need and his life’s mission is to serve others in board seats and through mentorship.

Oscar is originally from Milwaukee, WI. He’s a graduate of Howard University and earned an MBA from Marquette University.

Devon Bray is Executive Vice President and Director of Business Banking & SBA at Hancock Whitney, where she leads the bank’s strategy and growth across business banking, SBA lending, deposits, treasury management, and payments. With more than two decades of experience building and scaling high-performing banking organizations, she is focused on expanding market presence, deepening client relationships, and delivering innovative financial solutions that help businesses grow. 
 
Devon oversees the Business Banking and SBA organization across key growth markets throughout Texas, the Gulf South, and Florida. She leads efforts to strengthen market coverage, enhance banker effectiveness, and align go-to-market strategies that drive sustainable growth while preserving a relationship-centered approach to banking. 
 
Throughout her career, Devon has built and expanded business banking platforms serving hundreds of thousands of small business clients. Her experience includes managing large-scale lending and deposit portfolios, launching automated and credit-scored lending programs, negotiating strategic payments partnerships, and implementing digital and operational capabilities that improve speed, access, and efficiency for both clients and bankers. She has also successfully led teams, clients, and systems through complex integrations and periods of transformational growth. 
 
Devon holds a Doctorate in Organizational Change and Leadership from the University of Southern California, where her research focused on organizational alignment and transformational change. Her academic work continues to influence her leadership philosophy, particularly in helping organizations scale, adapt, and perform through change. 
 
An active voice in the banking industry, Devon frequently speaks and moderates at national and regional conferences, including events hosted by the Consumer Bankers Association and American Banker. She is passionate about developing talent, cultivating strong cultures, and helping organizations achieve sustainable growth through people-centered leadership.

Welles Borie is a Principal Technical Product Manager at FIS, where he leads strategy and development for the FIS Origination Suite—a unified digital platform that helps financial institutions automate account opening, lending, and credit card applications for both consumers and small businesses.

Welles has more than 15 years of experience building financial software and scaling fintech platforms. Before joining FIS through its 2025 acquisition of Amount, he was the Principal Product Manager for Amount’s small business segment, where he delivered flexible lending and account opening. His career also includes serving as Senior Director of Product at Linear Financial Technologies and holding several key product roles at Fundation, where he helped expand its digital lending-as-a-service platforms. He started his career at J.P. Morgan, spending five years working across mortgage advisory, financial sponsors, and alternative investment groups. Welles holds a bachelor’s degree from Hamilton College.