Ray Tarrach

AmeriServ Financial Bank provides banking services. The company is headquartered in Johnstown, PA.

The Risk Management Association was founded in 1990 and promotes an enterprise approach to risk management, with a focus on credit risk, market risk, and operational risk. The non-profit company is based in Philadelphia, PA and has subsidiaries in the United States. RMA has 1,700 institutional members, including banks of all sizes and nonbank financial institutions, represented by 18,500 individuals located throughout the country and the Pacific. The company offers the largest offering of risk-focused resources for the financial services industry and maintains a strong community of risk professionals through events and courses that advance the understanding of risk management in financial services.

The Pennsylvania Bankers Association is a business association based in Harrisburg, PA.

Howard Bank, headquartered in Ellicott City, MD, is a growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through seven full service branches and regional offices in Annapolis and Towson, MD, and mortgage operations throughout the Central Maryland area.

Junior Achievement of Central Maryland, Inc. engages in the provision of education in economics and finances. It includes training, materials, and support for student in elementary, middle, and high school. The company is headquartered in Owings Mills, MD.