Cindy Prince is a Senior Compliance Advisor with the Temenos Compliance Advisory team. Cindy brings over 25 years of banking experience to the team, which includes 14 years of experience as a Compliance Officer and Advisor. Her career has also focused on risk management, training and audit. Cindy is also a Certified Regulatory Compliance Manager and completed her designation as a NAFCU Certified Compliance Officer this past March. It is now my pleasure to pass the presentation over to Cindy Prince.