Joe Spadaford brings over four decades of leadership in financial services. As a company president, COO and senior operating executive, he has guided major institutions through strategic transformation. With deep expertise in operational excellence, design thinking, and digitalization, Joe specializes in building high-performing operating models that drive sustainable results.

A CPA and Certified Master Black Belt in Six Sigma, Joe pairs analytical rigor with visionary thinking. He holds a BSBA in Accounting from the University of Dayton and an MBA in Banking and Financial Markets from Adelphi University. He has also served as a Trustee and Audit/Risk Committee Chair at UD.

Over Andrew's 30-year career, he has focused on driving operational improvements across companies' value chains. Through the strategic use of design thinking, operational excellence principles, intelligent automation and artificial intelligence, he has demonstrated success in driving both cost-effective process improvements and innovative automation solutions.

As the founder of The Process Innovation Lab, he is a leader in service offering development, client engagement and delivery excellence. He is a Certified Design Thinking Instructor, Six Sigma Blackbelt and Project Management Professional, with certifications in Facilitation, Change Management and Team Development. He holds a Bachelor's in Operations Management and International Business from Penn State University and an MBA from the University of Illinois.

Francisco is a seasoned leader with over 25 years of international experience in driving operational excellence across Fortune 500 companies. He has successfully led over 500 improvement events in 14 countries, delivering multimillion-dollar outcomes and breakthrough performance. Francisco has designed and deployed operating systems for five global corporations, achieving transformational enterprise wide results.

Certified as a Six Sigma Master Black Belt, Lean Manager, Smart Manufacturing Roadmap Professional, Shingo Model Instructor, and Quality Management System Lead Auditor, Francisco brings a rigorous and holistic approach to every engagement. He currently serves as a board advisor and business process improvement consultant, helping organizations unlock smart value flow and sustainable growth.