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Payments Advisory Council

The Payments Advisory Council was established in 1978 to serve as a forum for communication with financial institutions about the Federal Reserve’s financial and payment services and to help the Bank respond to the evolving needs of our banking constituency. Council members represent various types of financial institutions within each Fifth District state.


William Albert
Senior Vice President
First Century Bank
Bluefield, West Virginia

Tim Boike
Senior Vice President
Wells Fargo and Company
Minneapolis, Minnesota

Ronald Bowling
President and Chief Executive Officer
First Peoples Bank
Mullens, West Virginia

*Karen Buck
Executive Vice President
Commercial, Retail and Payment Operations
TD Bank
Mount Laurel, New Jersey

Kim Bunn
Senior Vice President, Operations Executive
Image & Transactions Services Executive
Bank of America
Jacksonville, Florida

Richard Chin
Senior Vice President & Treasurer 
Pentagon Federal Credit Union
Alexandria, Virginia

John Kevin Cranford
Senior Vice President
BB&T Corporation
Charlotte, North Carolina

*Robert E. Dael
MACHA - The Mid-Atlantic Payments Association
Hanover, Maryland

Jeff Dick
Chairman and CEO
MainStreet Bank
Fairfax, Virginia

Kathy Dye
Vice President, Information Technology
West Virginia Central Credit Union
Parkersburg, West Virginia

Kristi Eller
Chief Information Officer and Executive Vice President, Operations
Yadkin Bank
Statesville, North Carolina

Margo D. Foust
Senior Vice President, Operations & Process Improvement
American National Bank & Trust Co. 
Danville, Virginia

Terry Garner
Senior Vice President-Deposit Operations
Southern First Bank
Greenville, South Carolina

Jamin Hujik
Executive Vice President
CresCom Bank
Charleston, South Carolina

*Adrian Johnson
Senior Vice President and Chief Financial Officer
Municipal Employees Credit Union of Baltimore, Inc.
Baltimore, Maryland

*+E. Stephen Lilly
Chief Operating Officer, First Community Bancshares, Inc.
Executive Vice President and COO, First Community Bank
Bluefield, Virginia

*Alison Lyewski
Senior Vice President, EIS Transaction Operations
SunTrust Bank 
Orlando, Florida 

Rebecca McClain
Senior Vice President, Operations 
Paragon Bank
Raleigh, North Carolina 

*Avery Miller
Director, Enterprise Payments 
Capital One Bank
Richmond, Virginia 

Carla A. Nealy
Executive Vice President/COO 
The Harbor Bank of Maryland
Baltimore, Maryland

Tracy Nelms
Executive Vice President 
Suffolk, Virginia 

Holly Pingatore
Senior Vice President and Director, Deposit Operations
South State Bank 
Charleston, South Carolina 

*Rick Rhoads
Senior Vice President, E-Services
State Employees' Credit Union
Raleigh, North Carolina

Susan Riel
Senior Executive Vice President and Chief Operating Officer
Eagle Bank
Bethesda, Maryland

DJ Seeterlin
Chief Information Officer 
Chesapeake Bank
Kilmarnock, Virginia 

Woody Shuler
Vice President, Finance 
SRP Federal Credit Union
North Augusta, South Carolina 

Laura Steele
President and CEO 
Dallas, Texas

*Steve Stone
Executive Vice President
United Bank
Charleston, West Virginia

Chris Tolomeo
Senior Vice President, Banking Services
M&T Bank, Central Operations Administration
Amherst, New York

Paul Trozzo
Senior Vice President
PNC Bank
Pittsburgh, Pennsylvania

*David Willis
Senior Vice President, Debit Card and Funds Services
Navy Federal Credit Union
Vienna, Virginia

Gayle Youngblood
Assistant Vice President, Product Management
State Employees Credit Union of Maryland
Linthicum, Maryland

* Member of Steering Committee
+ Chair, Payments Advisory Council

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