Wayne Miller, ICBA
Presenter Biography
Wayne Miller is Executive Vice President and Chief Innovation Officer at the Independent Community Bankers of America (ICBA), where he leads end-to-end innovation strategy for community banks nationwide. He is known for connecting community banks and fintechs to deliver revenue-generating solutions that improve competitiveness, efficiency, customer experience, and profitability.
With more than four decades of leadership across financial services, fintech, healthcare, cybersecurity, and entrepreneurship, Wayne brings a blend of startup, scale-up, and Fortune 100 experience to ICBA’s innovation agenda. He is committed to helping community banks use technology to strengthen their role in local economies and improve customers’ financial lives.
As Chief Innovation Officer, Wayne oversees ICBA’s integrated innovation platform, including the ICBA ThinkTECH Accelerator, Solutions Forums, corporate membership and PSP initiatives, as well as educational efforts that help community bankers evaluate, implement, and scale technology partnerships. His work emphasizes practical, measurable outcomes in digital banking, payments, risk and compliance, data, and artificial intelligence.
Anjelica Dortch, ICBA
Presentation
AI Under Pressure: Regulation, Security,and What Comes Next
Artificial intelligence (AI) is rapidly reshaping financial services, creating new opportunities for community banks while also introducing evolving regulatory, cybersecurity, and operational risks. This session will examine the current AI policy landscape, emerging expectations for financial institutions, and the security challenges banks should be preparing for now. Attendees will gain practical insight into how community banks can evaluate AI use, manage third-party and cyber risk, and build a responsible approach to adoption as the regulatory environment continues to evolve.
Presenter Biography
Anjelica Dortch is vice president of operational risk and cybersecurity policy for the Independent Community Bankers of America® (ICBA). In this role, she advocates cybersecurity, artificial intelligence (AI), and operational risk-related legislation and regulations on behalf of the nation’s community banks.
Prior to joining ICBA, Dortch served as senior director and head of global cybersecurity policy at SAP, where she oversaw cybersecurity, AI, and workforce policy portfolios. She also previously led the development of tech policy positions at IBM within the government and regulatory affairs team, focusing on AI cybersecurity, and intellectual property.
Earlier in her career, Dortch spent a decade in U.S. federal service with various agencies, including the Executive Office of the President, where she served as a senior technology advisor under the Obama administration and the first Trump administration. During her tenure she coordinated key tech policy initiatives across the U.S. government, contributing to national strategies such as the 2018 National Cyber Strategy, the Presidential Executive Order on America’s Cybersecurity Workforce, the U.S. Federal Cloud Computing Strategy (Cloud Smart), and the Administration’s Report on Artificial Intelligence.
She holds a Bachelor of Arts in philosophy and a Master of Science in financial management and information systems from the University of Maryland.
Josh Tollefson, Vantage Point
Presentation
Three Questions Before You Say Yes to AI: A Director’s Framework for Responsible Adoption
Half of all banks have already deployed generative AI, and seven in ten say a program is underway. What fewer boards can say is which of it they approved. It arrives inside core and fintech vendor releases, inside the productivity tools staff use every day, and inside fraud and marketing products bought one department at a time. Directors end up accountable for the results without ever having seen a decision memo.
This session gives boards and senior management a plain-language test to apply before approving any AI investment.
- Does it solve a problem we actually have?
- Can we show the value in dollars rather than adjectives?
- Do we have the data-quality, human oversight, and audit trail to defend the decision to an examiner, a customer, or a plaintiff?
Drawing on current AI governance work with community banks, the session works through where regulators have and have not given institutions cover, what a workable AI policy looks like at a bank with no data science team, and the specific questions a director should ask before the next AI item reaches the agenda.
Presenter Biography
Josh Tollefson has over 25 years of IT experience, including teaching COBOL at Colorado Technical University, serving as Lead Architect for Citi’s Global Voice-Biometric Authentication Technologies, and as Chief Information Officer at a community bank. As a Virtual CISO and AI Champion with Vantage Point Solutions, Josh helps organizations navigate cybersecurity risk, compliance, and emerging challenges including AI strategy and governance. Committed to enhancing IT and security within organizations, he has a master’s degree in information security and holds the following certifications: Advanced in AI Security Management (AAISM), Certified in Risk and Information Systems Control (CRISC), Certified Information Systems Security Professional (CISSP), Certified Information Security Manager (CISM), and Certified Information Systems Auditor (CISA). In his free time, Josh enjoys spending time with his wife and kids, coaching FIRST® LEGO® League Robotics, running Obstacle Course Races, and practicing Taekwondo.
Eric Pulse, Eide Bailly
Presentation
AI Governance & Risk: Enabling Senior Leadership to Govern AI
Banks are adopting AI fast — and 95% of generative AI pilots still return nothing. The gap isn’t the technology; it’s governance. This executive session gives boards and senior leaders a practical framework for treating AI as the financial and risk decision it actually is. It maps the five risk categories every institution faces — model, data, compliance, cybersecurity, and third-party — with real banking examples, and makes a clarifying point: most AI failures are control failures you already know how to manage. Attendees leave with a four-layer governance model, Financial Services AI RMF alignment guidance, clear accountability across the organization, and the diagnostic questions every board should be asking today. Governance first. Enterprise AI second.
Presenter Biography
Eric Pulse leads Eide Bailly’s Risk Advisory Services practice and has nearly years of experience in public accounting and consulting. He specializes in providing information technology, risk advisory, and cybersecurity consulting services to a variety of industries, including banking, credit unions, healthcare, insurance, retail, manufacturing, and governments. He advises Eide Bailly clients on how to keep their valuable data secure in a world of increasingly sophisticated cyber threats and the emergence of artificial intelligence. With his many years of experience, Eric is a true thought leader in data governance, risk, security and control.
Join us for the 2026 Fall Directors & Management Conference
October 14, 2026
Mccrory gardens, 631 22nd Ave, Brookings, SD 57007