John Hurlock is the President of SMARTER Risk Management.  In this arena John is focused on credit risk, interest rate risk, liquidity risk, and strategic risk. Prior to starting SMARTER Risk Management, John was the National Director for Enterprise Risk Management and Compliance for Sheshunoff Consulting + Solutions. And prior to Sheshunoff, John was the Director of Integrated Risk Management Consulting Services for Metavante, a $2 billion technology firm focused on financial institutions.

John has 30 years of experience in the financial institutions arena. His first fifteen years were spent working for financial institution of various size and complexity, and has spent the last eleven plus years in the business consulting arena. During John’s banking career, he worked in several areas of banking including credit, treasury services and operations.

During John’s consulting career he has worked with domestic and international financial institutions ranging in size from the community bank market to a US$1 trillion international financial institutions. He has assisted banks as they have worked through regulatory orders and issues, and been heavily involved in the roll out of advanced risk analytics including risk-based capital, the Basel II Accord and stress.

John has spoken and presented courses throughout the United States, Europe, in the Middle East and Africa. In 2008 he conducted a workshop in Moscow, and has presented a credit risk analytic course for 11 banks in the Middle East. In addition, he has led an operational risk program in South Africa and has conducted a Board of Directors corporate governance and risk management program for international banks.

John has an undergraduate degree in Economics and an MBA from the University of Wisconsin. He is currently an adjunct professor for Webster University, teaching in their MBA program. He teaches Investment, Capital Markets and Management. John has also authorized several articles and white papers and is a sought after speaker at banking conferences.