Dennis is founder and principal of Hill Creek Consulting, LLC, an independent firm that specializes in helping credit unions launch their member business services programs. Previously, Dennis spent more than 20 years in the banking industry, where he was a national accounts officer, corporate banking team leader, corporate finance manager and private banker. At one point in his career, Dennis managed a banking team that provided services to more than a dozen credit unions in the Upstate New York market, including share draft processing, private label card programs, ATM services and branch sharing.

As an independent consultant, Dennis has worked with more than four dozen credit unions to help them launch their business service programs. A typical engagement includes a competitive analysis, systems analysis, marketing plan, detailed financial plan, account opening procedures, loan policy, underwriting procedures, and a detailed implementation plan. Dennis has also delivered training programs for the credit union leagues and CUNA.

Doug, vice president of research and advisory services at Credit Union National Association, is responsible for leading the development and delivery of CUNA's market research and consulting services. He has been assisting credit unions with their strategic initiatives for the last six years, from operational improvement to technology needs. He also has 15 years of experience as a financial services consultant for KPMG Peat Marwick (now Bearing Point).