Jeffrey Michael, Director, Bureau of Business and Economic Research, University of Montana Jeffrey Michael is director of the Bureau of Business and Economic Research (BBER) at the University of Montana. His work spans regional economic forecasting, public policy analysis and environmental economics, including research on climate change, land use, infrastructure and employment growth. Prior to joining BBER, Michael held senior academic and leadership roles at the University of the Pacific and Towson University. He holds a Ph.D. in economics from North Carolina State University, a master’s degree from the University of Maine and a bachelor’s degree from Hamilton College. Mandy Fisher, Vice President, Chief Information Security Officer, Opportunity Bank Mandy Fisher serves as vice president and chief information security officer at Opportunity Bank of Montana, leading programs across information security, physical security, third-party risk management and financial crimes, including fraud and BSA/AML. With more than 14 years of experience in risk, compliance and security, Fisher develops enterprise programs aligned with NIST, FFIEC and COSO standards. She holds a master’s degree in accounting with an emphasis in forensic accounting and maintains multiple industry certifications, including CPA, CFE and CISSP. A Helena native, she enjoys traveling and outdoor adventures with her family. Melanie Hall, Commissioner, Montana Division of Banking and Financial Institutions Melanie Hall is the commissioner of the Montana Division of Banking and Financial Institutions, overseeing all state-chartered banks and credit unions, as well as more than 2,000 licensed non-bank financial entities. The division also manages consumer complaint resolution for financial services across Montana. Hall holds a bachelor’s degree in economics from Eckerd College and a J.D. from Tulane Law School. She is a past chair of the Conference of State Bank Supervisors and serves on multiple national and Montana-based education and foundation boards. Community Banker 17
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