Our seasoned financial strategists, balance sheet analysts and regulatory specialists comprise the Speakers Bureau at First Empire. As authorities in their respective fields, they regularly present at national and regional conferences throughout the United States.

Featured Speakers:

Geoffrey B. Ringstad – Managing Director, Financial Strategies Group

Geoffrey is a Senior Financial Strategist and is a Managing Director of the firm’s Financial Strategies Group, overseeing a team of capital markets specialists working with financial institution executives and asset managers. As an authority on asset-liability management and the fixed income sector, Geoff lends his expertise in the review of an institution’s complete ALM profile to uncover opportunities and weaknesses.

Frank Santucci – Managing Director of ALM Services

Frank has been working with institutional investors, including credit unions, banks, insurance companies and municipalities for over 31 years. As the principal author of the ALM model used by Balance Sheet Management Services, he has in-depth knowledge and insight on effective balance sheet and risk management strategies. Frank is a frequent speaker at regional and national conferences on various ALM and risk management techniques, as well as current industry trends.

Jeff Varner – Managing Director

Jeff is the Managing Director of LPC Services. He is a seasoned professional in the loan portfolio industry working with depository institutions to enhance the performance of their loan portfolios and mitigate risks to their balance sheets. He has more than 20 years experience in the financial services industry having worked for General Electric Real Estate, Salomon Brothers and Lehman Brothers.


For additional information about our educational programs, please contact us at 800.645.5424 or

Balance Sheet Management Services, Inc., and LPC Services, Inc., are not a members of FINRA or SIPC.

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