
Session 02
L - Leadership, T - Transformation, A - Advanced, I - Intermediate, B – Basic, F- FP&A Renewal Credit, G - GTOT Credit
CTP Preparatory Sessions are not available for CTP or FP&A credit.
Women In Finance (B) (F)
- Elizabeth Reich - EVP, Chief Financial Officer, Dallas Area Rapid Transit
- Nancy McDonnell - EVP, Head of Treasury Solutions, Texas Capital Bank
- Belinda Marshall - CFO, Make-a-Wish Foundation
- LaVonda Renfro - SEVP, Chief Operating Officer, Veritex Community Bank
Monday, April 17th
11:30am - 12:30pm
Dallas D1
Session Description
For many women in corporate business, the path to advancement does not follow a specific track, and success is not represented by a single career goal. In this session, three Dallas-area treasury and payments executives share how they became agents of change to advance women’s careers and their perspectives on the future of payments.
Speaker Information
As DART’s Chief Financial Officer, Elizabeth Reich oversees an annual budget of $1.7 billion, $3.5 billion in municipal debt, and $1.2 billion in investments. Prior to DART, Elizabeth served as CFO for the City of Dallas where she was instrumental in brokering a compromise that saved the Dallas Police and Fire Pension. She also helped the City emerge on strong financial footing from a devastating tornado, followed closely by the COVID-19 crisis. Before the City, Elizabeth spent 16 years with the Social Security Administration, including as its CFO in 2015.
Nancy McDonnell serves as Managing Director and Head of Treasury Solutions. She is responsible for leading all aspects of the bank’s treasury, payments and liquidity solutions. She joined Texas Capital Bank in January 2021. She has three decades of experience in a variety of senior leadership roles, including having served as JPMorgan Chase & Co.’s Global Head of Commercial Banking Treasury & Security Services. McDonnell was selected by the Dallas Business Journal as a 2022 Honoree for the annual Women in Business Award.
Belinda Marshall has served as CFO at Make-A-Wish North Texas since 2014. She previously held positions at Ernst & Young, American Airlines, and Dr Pepper/7-Up, with responsibilities in audit, finance, systems design, and strategic planning, as well as oversight of HR, IT, and facilities. She also spent several years as the full-time COO of her family. Belinda was honored to be nominated for 2018 Nonprofit CFO of the Year by the Dallas Business Journal.
LaVonda Renfro serves as Chief Operating Officer of Veritex Community Bank. She is responsible for leading all aspects of Loan/Deposit/Treasury Operations, Retail Branch Banking, IT and Marketing. Ms. Renfro joined Veritex Community Bank in September 2010 as one of the first 5 employees of the newly formed bank. She has over 40 years of progressive management throughout different roles and departments of Banking. She served as SVP/Division Director at Bank of America for the Central Texas Market for 26 years.
Driving Treasury Costs Down When Everything is Going Up (I) (G)
- Bridget Meyer, CTP Senior Director, Head of Strategic Relationships, Redbridge Debt & Treasury Advisory
- Stacy Walton Roth, CTP AVP – Global Cash Management, AT&T Inc
- Josh Moehle - Treasury Manager, Waste Connections
- Jasmyne Willis - Associate, Redbridge Debt & Treasury Advisory
Monday, April 17th
11:30am - 12:30pm
Dallas D2
Session Description
Treasury departments are asked to make strategic recommendations based on data that is confusing and overwhelming. Two of the largest sources of this data that reflect cost and opportunity are merchant card and bank fee statements. In this session, attendees will learn how to understand and leverage this data to drive reduced costs amongst inflation.
Speaker Information
Bridget Meyer is a Senior Director of Redbridge Debt and Treasury Advisory and Analytics. She is an internationally recognized expert on bank fee reporting. She currently facilitates the SWIFT CGI-MP working group 5 dedicated to improving the quality and adoption of global bank fee reporting. Bridget has been working for 20 years to improve the quality of bank fee reporting by administering the AFP Service Code Accredited Provider Program and even authored the AFP Global Code set. Her passion is to collaborate with the treasury community to make bank fee analysis easier on all parties involved - corporate treasurers, bankers, and vendors.
Stacy Walton Roth has been with AT&T Treasury for 13 years and currently leads global cash management with teams around the world. In addition to managing liquidity and bank relationships, Stacy’s team is responsible for managing a multi-million dollar bank fee budget. Prior to joining AT&T, Stacy worked in Treasury at Atmos Energy, Electronic Data Systems and Hewlett-Packard.
Stacy is a member of the Dallas AFP and holds a CTP designation.
Josh Moehle is currently the Treasury Manager for Waste Connections, Inc, a $7 billion-plus waste management corporation. Waste Connections is headquartered in the Woodlands, TX and has more than 700 locations across the US and Canada. With Waste Connections, Josh has implemented lockboxes in both the US and Canada, implemented a TMS, and helped oversee the acquisition and integration of more than 30 companies. Prior to joining Waste Connections, Josh practiced law in both Texas and Colorado.
Jasmyne Willis is an Associate for Redbridge Debt & Treasury Advisory with a focus on Global Payment Services. Her background consists of 10 years of experience in the payments industry working as Client Service Analyst for the last 5 years managing many ISOs portfolios and working with some of the top processors and acquirors.
Attachments/Links
Likely Business Impacts of De-Globalization And Global Demographic Trends (A) (F)
- Hank Mulvihill, CCM, CWS, CFP - Director and Senior Wealth Advisor - Smith Anglin Financial
- Jason Saving, MBA, Ph.D. - Senior Economist and Director, Community Development Research - Federal Reserve Bank of Dallas
Monday, April 17th
11:30am - 12:30pm
Dallas D3
Session Description
This session will challenge your preconceptions. The near future will not look like the world of the past. China and Russia could collapse. The European Union could break apart. Interest rates and Inflation could soar. Deflation could return. In the developed world, populations almost everywhere are shrinking. Supply chain risks could challenge large populations not only for goods and energy, but also food and water. Sea piracy? The United States, Texas and Mexico should do well in this new world.
Speaker Information
Hank Mulvihill, CCM, CWS, CFP, is Director and Senior Wealth Advisor at Smith Anglin Financial. Hank gives economic and market presentations as the “Optimist Economist®”. Hank is a long-time observer of the markets and global macroeconomic trends. In 2002, he founded the seminar series FED FRIDAY® to discuss the actions and impact of the U.S. Federal Reserve. Hank has been recognized in multiple years by the Five Star Award, Best in Client Satisfaction, Wealth Manager, by Texas Monthly. He has been interviewed on live TV on CNBC, quoted in WSJ.com, USA Today, Reuters, Financial Times, ABC.com, Investment News, BBC.com, Forbes.com, Morningstar Advisor, the Financial Planning Association, MoneyShow.com and many other publications. Hank has spoken at industry conferences, including TEXPO and the BIG D Dallas Association for Financial Professionals Corporate Treasury Conference.
Hank has been a licensed investment advisor, and a licensed life, health, disability, and long-term care insurance agent, since 1987. He earned a Bachelor of Interdisciplinary Studies degree with concentrations in business and computer science from the University of Texas at Dallas. Hank is a CERTIFIED FINANCIAL PLANNER™ professional. He also holds the Certified Wealth Strategist (CWS®) designation, and the Permanent Credential of Certified Cash Manager (CCM®) from the Association for Financial Professionals. Since 2017 Hank has been Director and Senior Wealth Advisor for Smith Anglin Financial. From 1996 to 2017, Hank was Principal of Mulvihill Asset Management®. Prior to going independent in 1996, Hank held positions at Prudential Securities, Alex. Brown and Sons, and Merrill Lynch.
Jason Saving is a public finance and regional economist at the Federal Reserve Bank of Dallas and director of research and studies in Community Development. Saving conducts research on issues including tax reform, regional migration, income inequality and the interplay between political polarization and fiscal policy. His articles have appeared in scholarly journals such as Economic Inquiry, Southern Economic Journal and the National Tax Journal.
Attachments/Links
Navigating the World of Cross-Border Payments, Trade and Risk (I)
- Hector Escobar, CTP - Senior International Advisor, PNC Bank
- Kashmira Sutaria - Director of Global Banking, The Vinmar Group
- Rolando Garcia, JD, CPA - Tax Director, Doeren Mayhew
Monday, April 17th
11:30am - 12:30pm
Houston A
Session Description
American companies engaging in Canadian or European commerce have the universal goal of implementing secure payment practices in the face of an evolving web of customs, processes and regulations that varies from country to country. Plus, the rules, regulations and networks become more complex every year. This session will show attendees how they can create seamless and safe cross-border payment measures that maximize value and efficiency north of the border.
Speaker Information
As an international advisor for PNC’s international Advisory Team, Hector Escobar consults with corporates to review their international business and recommend best practices, payment efficiencies and risk mitigations strategies. Also, responsible for our Trade products. Intensive interaction with companies that are either exporting/importing. Hector has been in the banking business for nearly 25 years. He has experience in Operations, Corresponding banking, Trade Finance, Structure Trade, Cash Management, International Treasury and business development. He worked for Regions Bank, BBVA USA, American Express Bank/Standard Chartered bank, traveled extensively and lived overseas. Hector is a graduate of New York Institute of Technology, having earned a Bachelor of Electrical Engineering. He is a member of the District Export Council. Also, a member of the GHP International Trade Committee.
Vinmar is a Global marketing and distribution company of Plastics and Chemicals. It has over 50 offices in more than 35 countries, with sales offices in over 110 countries.
With decades of experience, excellent business relationships with Global Banks and an expertise in Export Letters of credit, Kashmira Sutaria manages Vinmar‘s Global Export Trade Banking operations teams and associated business activities.
Her 30+ years of success at Vinmar has earned her the respect and recognition of her peers in the Global Banking and Trade Industry.
Kashmira earned her graduate degree in Commerce and Accounting at Bombay University in India.
In the early 80’s she began her career at State Bank of India in Bombay, India and was promoted in 1989 to head the Letter of Credit Trade team at State Bank of India in New York.
Thereafter, in 1991 she joined the Vinmar Group and has since continued to have a very successful career in the International Trade and Banking Industry.
Kashmira has been associated with Toastmasters International since 1995 as Distinguished Toastmaster. She has served in various roles including Division Governor, as well as awarded the District Toastmaster of the Year Award.
Her Global footprint and decades in the banking and Letter of Credit world, keeps her motivated to be a knowledgeable resource within the industry
Rolando Garcia is a Director in Doeren Mayhew’s Tax Group.
Applying more than 20 years of public accounting experience, Rolando is adept at counseling business owners in growing their companies while observing state and federal compliance issues and planning effectively for tax savings. He brings a tailored approach to working with his clients, which is why they often rely on him to identify savings opportunities relevant to their industry and resolve complex tax matters as they arise.
With an extensive background in international tax law, Rolando is a frequent author featured in various accounting publications and journals, and is regularly invited to speak as a subject-matter expert at industry-related events across the nation.
Prior to joining the firm, Rolando owned a boutique tax practice in South Texas and later served as a national leader for the international private client service group at a large international CPA firm.
Attachments/Links
Exploring Alternative Payments in the Government Space (I) (L) (G)
- Glenn Chernyak - Head of Core Cash Receivables Solutioning - J.P. Morgan Chase
Monday, April 17th
11:30am - 12:30pm
Houston B
Session Description
The pace of payments modernization shows no signs of slowing. Government organizations today are under increasing pressure to be able to offer their constituents a variety of options to transact, increasingly digitally while also delivering value-added services. In this session, experts from J.P. Morgan present on digital receivables trends with a case study on decisioning innovative digital bill payment solutions that meet the increasing need for payment transformation.
Leadership Track Sponsored by J.P. Morgan
Speaker Information
Glenn Chernyak has held positions in operations, implementation and sales since joining the bank in 2005. He is an Executive Director who manages the firm’s Receivables Solution Specialists. He has extensive hands-on experience working with corporate and public sector clients across the United States. He has covered the payments landscape for the bank since joining and is a subject matter expertise in electronic payments. Prior to joining the firm, Glenn built experience in relationship management, product management and account development. Glenn holds a degree in economics from the University of Arizona.
Attachments/Links
Worst Case Scenarios When Treasury Fails (I) (G) (T)
- Laurel Egan Kenny, MBA, MSCM, Cert. Exec. /Perf. Leader - CEO, President, Turningpoint Communications
- Ginger Gidden-Weinzierl, CTP, CPCP - Senior Vice President, Corporate Banking & Specialized Industries - Wells Fargo
- Mario Millan MBA, FPA, CTP, CAMS - Treasury V.P., Dolex
- Carol Cox, CTP, AAP, APPSC - Director Treasury Services, Texas Health Resources
- Brian Boyle, CTP - Senior Director, Treasury Operations, Aimbridge Hospitality
- Jenny Kerzman, Assistant Director of Treasury, City of Dallas
Monday, April 17th
11:30am - 12:30pm
Houston C
Session Description
Treasurers are known for being unflappable despite high stakes and myriad of responsibilities . While leading treasury is not (normally) a life or death proposition, horrific outcomes may result if companies are unable to conduct business as usual. Treasury professionals embrace autonomy, possess high integrity, are risk averse and precise in everything they do. Despite years of experience, the best laid plans, processes and procedures, contingencies and redundancies, treasury professionals are bombarded by hundreds of tough decisions, human error and circumstance, negative environmental factors, vendor issues and worse. Even highly seasoned, long experienced treasury professionals cannot possibly think of every possible scenario – nor would they want to. Multi-perspective and varied industry panelists will be asked about the absolute worst-case scenario for their organization should there be a treasury failure how to maintain cool under pressure AND what they have done / could do to recover / continue business as usual or to the best of their ability?
Transformation Track Sponsored by HighRadius
Speaker Information
Laurel Egan Kenny is president of Turningpoint Communications, a financial services-focused marketing and training firm promoting clients’ best practices and thought leadership. Laurel founded Turningpoint after building and leading marketing and sales teams for State Street Corporation and Santander’s treasury and wealth management organizations. Laurel trains teams of bankers on the role of treasury in organizations, as well as how to sell themselves, sell solutions to client challenges and to quantify value propositions - so they can differentiate and deepen client relationships. She also works with banks to successfully transition and retain high valued clients and their assets through Treasury Management portal conversions and bank acquisitions - and coaches Treasury management teams and team members to maximize their potential and performance. An industry champion, Laurel presents nationally on treasury management, marketing and business development best practices. Laurel earned MBA, MSCM, BA degrees from Simmons University, Boston, MA; and two certifications from Cornell University, New York. As part of high performing leadership teams, Laurel is a 23 time award-winning AFP regional officer as a past and present membership, marketing, programming, sponsorship leader for regional AFP organizations nationwide.
Ginger Gidden-Weinzierl, CTP, CPCP, Senior Vice President, Corporate Banking & Specialized Industries, Wells Fargo Bank, NA, is a Treasury Management Consultant for Wells Fargo Bank with a Retail Industry market focus. She is responsible for assisting client initiatives in treasury management, ERP management, cash flow analysis, and process improvement. She has been a member of the Dallas Association for Financial Professionals since 2005. She also served on the Atlanta AFP Board. She is on the ARCS national finance committee and a member of the Association for Latino Professionals in Finance and Accounting (ALFPA). Lastly, Ginger is the Alum finance advisor for her sorority at the University of Cincinnati.
Ginger’s family includes two college students and three dogs. In her spare time, she enjoys Atlanta United FC, supporting both active and retired military personnel, and spending time with her family.
Ginger holds 25 years’ experience in treasury management sales and product management. Ginger holds a BS in Business from Birmingham-Southern College. She is based in Atlanta with clients across New England and Texas.
Engineering by the Instituto Tecnológico y de Estudios Superiores de Monterrey at Monterrey (ITESM), Mexico and is a MBA from the Texas Christian University, Mario Millan has Bachelor Degree in Computer Sciences and Electronics. Mario holds three certifications: Certified Treasury Professional (CTP), Certified Corporate FP&A Professional (FPAC), and Certified Anti-Money Laundering Specialist (CAMS). Mario worked in the Mexican Banking System for more than 10 years and the last 20 years he has worked in the Money Transmission industry in the treasury function and is seeking a new job since his former Fintech company has been merged with a larger one.
Carol Cox, married, mother of three, die-hard Aggie graduate and therefore fan, been in banking over 40 years, working primarily in the banking sector as a large corporate Treasury Management Sales Officer to various types of industries – State Government, University, Real Estate, Oil & Gas, and of course, Healthcare. Now a practitioner in the Healthcare space. I have been through massive banking changes since the 1980’s – bank collapses of the 1980’s, 2008, and Covid. I greatly enjoy seeing how technology has transformed the landscape.
Jenny Kerzman joined the City of Dallas in 2021 as Assistant Director of Treasury in the City Controller’s Office. She is responsible for overseeing the areas of cash management and banking services, the administration of the City’s $3 billion investment portfolio, and the $5 billion debt program.
Kerzman started her government career with the City of Arlington and served as the Assistant City Treasurer for the City of Fort Worth for over 10 years. In addition to her municipality experience, Kerzman has worked for multiple private companies including Crescent Real Estate Equities, CEC Entertainment and Bimbo Bakeries USA. She is a graduate of Texas Wesleyan University and is a Certified Treasury Professional (CTP).
As a treasury professional of over 25 years, she has been a long-time member of the Fort Worth Association for Financial Professionals (FWAFP) and has served on different board positions, including President and Treasurer. She served as Chairman of the Texpo Treasury Conference in 2011 and most recently as Treasurer in 2021. As a new member of the Dallas AFP, she is currently a member of the Education Committee for Texpo 2023. Other associations include the Government Finance Officers Association (GFOA), Women’s Public Finance Network (WPFN), Government Treasurers’ Organization of Texas (GTOT), and is a current member of the Diversity, Equity, and Inclusion Committee of the TX Women in Public Finance.
In her spare time, Kerzman is a proud Aggie Mom and is currently serving as Treasurer of the Fort Worth/Tarrant County Aggie Moms’ Club
Attachments/Links
FPAC Roundtable (F)
- Ernest Smith, APRP,CTP,FPAC - SVP, Director of Treasury Solutions, Veritex Community Bank
- Gaileon Thompson, CTP, FPAC - Head of CSBB Operations Finance, Wells Fargo
Monday, April 17th
11:30am - 12:30pm
San Antonio A
Session Description
Speaker Information
In his current position, Ernie Smith is responsible for a staff of TM professionals, providing TM product solutions and support to clients in the Veritex footprint. In his previous position worked for BBVA for 16 years, serving as, TMO, Public Funds Specialist and Regional Sales Manager.
Before joining BBVA, Ernie spent 16 years at JPMorgan Chase, including 6 years as a Commercial Banker and 3 years as a Private Client Advisor. Prior to Chase, he spent 3 years at South Main Bank as Credit Officer and Compliance Officer. Ernest has 37 years of banking experience and 17 years of Treasury Management experience.
Ernie is an active member of the Association of Financial Professionals, having served on the CTP Test Specifications committee and on the Body of Knowledge committee for ETM volumes 4,5,6 and 7. Ernie also serves as an instructor for the CTP exam preparation classes at Rice University and the University of Dallas, and is currently featured on the AFP Exam Prep platform. He has a BS in Finance from the University of Arizona, an MBA from Duke University, and hold his Certified Treasury Professional (CTP), Financial Planning and Analysis (FPAC) and Accredited Payments Risk Professional (APRP) credentials.
Gaileon Thompson, CTP, FPAC, is the CFO of Consumer Operations at Wells Fargo. She has nearly 20 years of progressive FP&A experience at multiple Fortune 500 firms including Truist Bank, Citibank, Tenet Healthcare, and for the past two years, Wells Fargo. Gaileon also serves on the Board of Directors for the national Association for Financials Professionals.
Attachments/Links
VEC, BEC, Check…What the Heck?? (I) (G) (F)
- Greg Litster, MBA - President - SAFEChecks
- Kristie Ondracek, CPA, CGMA, CAE - CFO/COO - TXCPA
Monday, April 17th
11:30am - 12:30pm
San Antonio B
Session Description
Vendor Email Compromise scams (VEC) target an organization’s vendors, not the organization itself. They are relatively new in the universe of cybercrime. VEC scams are “kissing cousins” to BEC scams. Both employ elements of social engineering and psychological manipulations to defraud victim organizations. VEC/BEC scams are often paired with other forms of online fraud, and intertwine with old-school check fraud. Fraud attempts will shift from one payment method to another, but they aren’t going away!
Speaker Information
Greg Litster is President of SAFEChecks, a company specializing in fraud prevention. Mr. Litster was in banking for 18 years, holding various executive-level positions before founding SAFEChecks in 1996. Mr. Litster produces the Abagnale Fraud Bulletin, has given hundreds of fraud prevention seminars to professional and financial organizations, and has served as an expert witness in national and international check fraud and embezzlement cases.
Kristie Ondracek is CFO/COO of TXCPA, a membership association for Houston and surrounding area Certified Public Accountants. She received a Bachelor’s of Science in Business Administration from Midland Lutheran College (now Midland University) in 1998 and an MBA from University of Nebraska-Omaha. In 2013, she became a Certified Public Accountant and is active in the CPA community. Kristie has over twenty-five years of financial reporting experience, including nearly five years at TXCPA Houston. Prior to TXCPA Houston, Kristie served in various financial accounting roles at companies such as Xtreme Drilling Corporation, TransCanada, Northern Border Pipeline Company, and ONEOK. Her duties included being Controller, Accounting Supervisor, and Financial Analyst. Although she moved to Texas in 2010, Kristie is a native Nebraskan and still supports the Nebraska Cornhuskers, with deep roots as a Midwesterner. She has a very supportive partner who encourages all her dreams, and she is a caregiver to her sister, a special needs adult. Along with her love of numbers, in her limited free time, Kristie enjoys scrapbooking, designing, and creating custom greeting cards. She is a dog mom to two rescue dogs. Kristie will be a published author in March 2023.
Attachments/Links
CTP – Session 2 – Mastering CTP (ETM7) Materials (B)
- Dubos Masson, Ph.D, CTP, CertICM, President, The Treasury Academy
- Raymond Vines, CTP - Part Time Treasurer, Treasury Consultant, Trainer - Turningpoint Communications
Monday, April 17th
11:30am - 12:30pm
State Room 2
Session Description
- Chapter 5: Money Markets
- Chapter 6: Capital Markets
- Demonstration of Canvas Website for course
Speaker Information
D.J. Masson, Ph.D., is President of The Treasury Academy, a training and consulting firm specializing in treasury management, international finance, business forecasting, and risk management. Over the past 25 years, D.J. has provided business and financial consulting and training services to a wide variety of corporations, financial institutions, and not-for-profit organizations in the U.S., Canada, and abroad. He is currently an Associate Clinical Professor of Finance at Indiana University’s Kelly School of Business and is a trainer and curriculum developer for programs with Association for Financial Professionals (AFP), GT News and Association of Corporate Treasurers (ACT) in the U.K, and Citibank’s Global Transactions Services unit. D.J. has extensive experience in developing curriculum for a wide range of teaching and training environments, both residential and on-line. He has developed classes and taught at all levels of higher education: undergraduate, MBA, Executive MBA, and in-house, custom-designed courses. D.J. has worked with professional associations to develop workshop, training materials, and certification programs in the areas of Treasury Management, Credit Management, Global Cash Management, Financial Forecasting, Commercial Banking, and Risk Management. D. J.’s educational background includes a B.A. in Business from the University of New Orleans and an MBA and Ph.D. in Finance from Indiana University. D.J. earned his Certified Cash Manager (CCM/CTP) credential in 1988. D.J. also earned the Cert ICM, an international cash management certification, from the Association of Corporate Treasurers (ACT) in the UK in 1999.
Ray Vines brings 30 years of corporate treasury experience (and honesty) to bear for Turningpoint Communications’ treasury management sales trainees, customers, customers’ clients and other key constituents as the “voice of the client” for programs, documentation and high-touch client experiences. Ray is also an instructor for the Association for Financial Professionals’ (AFP) Certified Treasury Professional (CTP), Treasury Learning System instructor-led courses, educating hundreds of prospective CTP candidates each spring and fall for Rice University and the University of Texas. Formerly, Ray served as Director of Treasury for Dean Foods in Dallas for seven years, where he was responsible for leading treasury operations and his team, managing internal and external relationships and continuous process improvement. Prior to Dean Foods, Ray spent 20 years at RadioShack as Director of Treasury Operations.
Ray is an active participant in enhancing the role of treasury management as an industry and career through his participation on industry roundtables and his leadership of the Dallas AFP, including his role as past president of the . Ray co-chaired the award-winning TEXPO conference in Dallas in 2018, leading all technological, marketing and communications aspects of the conference and is a key member of the content team for #DallasTEXPO2023. Ray holds a B.S. in Finance and MS in Accounting from the University of Texas and is a Certified Treasury Professional (CTP). Ray is also a WSET Level 3 Advanced (Wine & Spirits Education Trust) Wine and Spirits Certified instructor, and customizes courses in wine/spirits etiquette for financial audiences and executives.
Attachments/Links
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