Mr. Christopher J. Furlow

President & CEO, Texas Bankers Association

Chris Furlow took over as President & CEO of TBA in July 2018. He brings a diverse background to his position, including experience in communications, grassroots and advocacy and risk management. He previously served as President/Chief Operating Officer/Principal of Ridge Global LLC, an international risk management and security advisory firm founded by Tom Ridge, the first U.S. Secretary of Homeland Security and former Pennsylvania governor. He was a co-founder and partner of The Pennant Group LLC, a homeland security consulting and business development firm; Executive Director of the Homeland Security Advisory Council in the U.S. Department of Homeland Security; Director, State Affairs for the Office of Homeland Security, Executive Office of the President; Deputy Assistant Secretary, Office of the Secretary – Legislative and Intergovernmental Affairs for the U.S. Department of Commerce; National Field Director/Deputy Political Director for the Republican National Committee; Communications Director for The Office of U.S. Rep. Jim McCrery (R-La.); and Executive Director for the Republican Party of Louisiana.


Mr. John R. Brigance

Chief Operating Officer, Texas Bankers Association

John Brigance serves as Chief Operating Officer for the Texas Bankers Association (TBA), where he oversees the bulk of association operations along with special projects. John joined TBA in the fall of 2002 as Executive Director of the Wealth Management & Trust division and transitioned roles in 2012 to support a broader range of strategic functions. Prior to joining TBA, John worked in a number of capacities for the American Chemistry Council (Washington, DC) over 12 years, starting in government relations and ultimately serving as Managing Director of an international program for the association. John is a graduate of the University of Texas at Austin and currently resides in Austin with his wife; they have two sons.


Ms. Peyton Taylor, SHRM-CP

Senior Vice President, Human Resources, Texas Bankers Association

Peyton Taylor came to TBA in 1997 from the Texas Medical Association. She began her employment in the TBA Services Co., where she connected TBA member banks with the best products and services for their institutions. She worked closely with members to identify product and service needs and conducted research and the due diligence process for endorsement purposes. She worked closely with endorsed partners and vendors to provide information to members while managing the exhibit hall and sponsorships for TBA's Convention. After 10 years in TBASCO, Peyton moved to the Professional Development Department, where she managed TBA's Convention as well as TBA's educational publications. In 2012, she moved into the newly created Human Resources role for the association and simultaneously headed up TBA's Wealth Management & Trust Division, providing education, information and advocacy to TBA's WMT members. In 2020, the HR and WMT roles were separated and she now exclusively focuses on the human resource needs of employees as TBA continues to grow.


Mr. Alvin Mills

Vice President of Information Technology & Security, Texas Bankers Association

Alvin has been a cybersecurity expert with over 26 years of experience in security infrastructure deployment and management, including project/people management. He has served in several roles within Information Technology & Cybersecurity from network security engineer, manager, director, Vice President, and Chief Information Security Officer. Prior to joining TBA in March of 2019, he was the CISO for Farm Credit Bank of Texas, a large wholesale lending Bank covering Associations in five states. Alvin is also Adjunct Faculty with the University of Maryland Global Campus. In his 9 years in teaching, his courses are for cybersecurity leaders and managers, evaluating emerging technologies, practical applications in cybersecurity management, and foundations in cybersecurity. Alvin received his MSBA from Texas Tech University, Rawls College of Business. He and his wife reside in Liberty Hill, TX.


Ms. Heather Ruschitzko, CPA

Chief Financial Officer, Texas Bankers Association

Heather Ruschitzko serves as CFO for Texas Bankers Association and all its subsidiaries. Heather is an CPA with an MBA in Corporate Finance and has over 20 years’ experience in accounting and finance.


Mr. John M. Heasley

EVP, Gov't Relations & General Counsel, Texas Bankers Association

John M. Heasley came to the TBA in September of 1994, after serving as Staff Director and Minority Counsel for the Subcommittee on Financial Institutions of the U.S. House of Representatives Banking Committee. He joined the banking committee in 1988, after serving as Legislative Assistant for former Congressman Steve Bartlett. From 1981–1986, he was Assistant Criminal District Attorney for Dallas County, serving in the trial division specializing in major felony crime and white collar crime prosecutions. He earned both his undergraduate and law degrees at the University of Texas.


Ms. Celeste M. Embrey

EVP, Gov't Relations & Deputy General Counsel, Texas Bankers Association

Celeste Embrey joined the TBA in November 2005. Her work focuses mainly on legislative advocacy for TBA’s 420 member banks and trust companies. She came to TBA from Countrywide Financial Corporation’s Government Affairs Department, where she was responsible for Countrywide’s state and local government relations in Texas and several east coast states. Prior to Countrywide, she worked in Washington, D.C., as a Legislative Assistant to U.S. Sen. Kay Bailey Hutchison (R-Texas). Embrey began her legal career as General Counsel to State Sen. John Carona (R-Dallas) where she concentrated on financial services and consumer lending issues. She received her B.A. in Government, with honors, in 1994 and her J.D. from The University of Texas School of Law in 1998.


Mr. Carlos Espinosa

Vice President, Marketing & Communications, Texas Bankers Association

Carlos Espinosa leads the communications and marketing division for the Texas Bankers Association. He is an experienced strategic communications, government affairs, and policy advisor with a demonstrated history of working on complex issues. He previously led the communications effort for the Texas Railroad Commission Chairman, several members of congress and a technology company in the data privacy space. Carlos also has a long record of serving as a communication, political and policy advisor to dozens of state and federally elected officials, celebrities, shared economy startups, and fortune 500 companies. He was also a writer and contributing editor to National Journal Magazine, and The Hotline. Has degrees in International Affairs and Management.


Ms. Necoya Tyson

Vice President of Banker Education & Events, Texas Bankers Association

Necoya Tyson joins TBA from the American Traffic Safety Services Association. With more than 15 years of experience, Tyson has worked with various national associations in the Washington, D.C., area including National Trade Productions Inc., as the director of operations and conferences, and Society of American Military Engineers, as the meeting and exhibits manager, as well as the National Recreation and Park Association, American Roentgen Ray Society and Durham’s Partnership for Children. A graduate of Shaw University with a bachelor’s degree in mass communications, she is also a certified corporate event planner, exhibition management-advanced professional and government meeting professional.


Ms. Chelsea Brown

Executive Director, Wealth Management & Trust and SWABC/VP Strategic Initiatives, Texas Bankers Association

Chelsea Brown brings more than 15 years of expertise to the association, including political affairs, event management and member education. She recently served as chief of staff and political director for Congressman Jodey Arrington where she successfully managed over 25 people and a million-dollar budget.? Brown joined the U.S. House of Representatives after college and worked her way up through the ranks from staff assistant to the director of operations and member education. She then went on to serve as the director of accounts at DC London Inc. and as political director for Epiphany Productions. Brown holds a Bachelor of Business Administration degree from Texas Christian University.


Ms. Janine Kasper

President, TBA Services Company, Inc.

Janine is a passionate advocate of community financial institutions with a unique background in digital and branch transformation, fintech, incubator/innovation center development and driving organizational readiness. While all financial institutions have a role to play in the banking system, Janine believes community banks are at the heart of our economy. She is committed to development of talent, diversity and inclusion. Janine volunteers on committees and boards throughout the financial services industry and with organizations to develop emerging leaders. Janine has now served as a volunteer mentor for more than 14 years with Menttium, an innovative leadership development program and will be a guest speaker with the Graduate School of Banking at Colorado in 2021. Janine holds an MBA from Franklin University and a bachelor’s degree in marketing with a focus in management from The University of Texas at Austin. Janine enjoys scuba diving, snow skiing, hiking, camping, traveling and spending time with family and friends.


Mr. Scott Daugherty

President/General Counsel, Bankers Alliance

Scott Daugherty serves as the president and general counsel for Bankers Alliance. Through Bankers Alliance, he oversees Compliance Alliance and Review Alliance. Daugherty was an integral part of Compliance Alliance's startup and growth from its inception in 2011 and has been integral to the start-up of Bankers Alliance in 2018. Prior to Compliance Alliance, he joined the legal staff of the Texas Bankers Association in 2003, serving as the primary contact for the legal and compliance hotline, while also tackling legislative issues. Prior to joining TBA, Daugherty worked for Brobeck, Phleger & Harrison, a 950 attorney international law firm based in California. Prior to law school, he enjoyed a career in banking with a broad background that includes retail and branch management, and consumer and commercial lending responsibilities.


Mr. Brien G. O'Connor

President, Bankers Insurance Agency

Brien O’Connor has been in the insurance industry for over 35 years and has been with TBA since 1989, where he heads up TBAs Bankers Insurance Agency. Brien specializes in bank insurance coverages – Financial Institution Bonds, Directors and Officers Liability, Cyber Liability and Commercial Package coverages. Brien has taught thousands of bankers and held classes in these topics as well as been an expert witness for the FDIC in cases involving Financial Institution Bonds. Bankers Insurance Agency insures over 250 banks across Texas, Oklahoma, Kansas, Colorado and Arkansas.


Ms. Michele Carfello

Vice President of Member Relations, Texas Bankers Association

Michele Carfello is a Member Relations Officer and is responsible for maintaining and growing member relationships. She began her banking career with the Federal Reserve Bank of Dallas, Houston Branch in 1998 and spent 10 years with Frost Bank in Correspondent Banking. Carfello is a member of Financial Women in Texas since its inception. She lives in Houston with her husband and together they have four daughters.


Mr. Zach T. Malone

Vice President of Member Relations, Texas Bankers Association

Zach Malone is an experienced banker, with 19 years in banking operations, customer service and sales and nearly 10 years in correspondent banking. His banking experience includes stints at Comerica Bank, Sterling Bank, Frost National Bank and Bank One. In addition, he graduated with distinguished honors from the U.S. Army National Guard.


Ms. Mary E. Lange, CAE

Vice President of Member Relations, Texas Bankers Association

Mary Lange is part of the Member Relations Team for the Texas Bankers Association, where she listens and collaborates with bankers and staff to enhance the value of their TBA relationship. Before joining the Texas Bankers Association in 2016, she was a leader within the Independent Bankers Association of Texas and President of the IBAT Education Foundation. As a passionate and committed supporter of community bank programs to enhance personal financial education, she serves on the Board of Directors of the Texas Jumpstart Coalition and holds an active role in Financial Women in Texas. Additional achievements include serving as an examiner with the Malcolm Baldrige National Quality Award Program within the U.S. Dept of Commerce. The strong relationships she has built through TBA, JumpStart, TSAE, and IBAT as well as her ability to navigate the intricacies of state agencies, serves her and those she works with very well.


Mr. Brent W. Cox

Vice President of Member Relations, Texas Bankers Association

Brent has over 25 years of experience in the financial services industry with a wide breadth of responsibilities, which include sales leadership, product development & implementation, FinTech innovation and is the owner of several technology patents. His many years of diverse experience bring a unique set of skills and knowledge to the TBA. Brent’s responsibilities within the TBA are unique and focus primarily on our alliances with undergraduate and graduate banking programs. Brent currently serves as an Advisory Board Member for banking programs at Texas A&M University, Texas Tech University, Stephen F. Austin University, Texas A&M University-Kingsville, and The Graduate School of Banking at LSU. In addition to his advocacy for the growth and advancement of existing banking programs, Brent is active in the development of new University programs that will advance the opportunity for increased diversity, inclusion, and talent expansion on behalf of the banking industry.