Robert M. Kottler started his new role as Executive Vice President of Whiteclay, a leading provider of Banking software and solutions company, after a 37-year banking career. In his role, he will be responsible for regional bank relationships and partnership opportunities.

Prior to the merger of Iberiabank and First Horizon, Bob was Executive Vice President and director of Retail, Small Business and Mortgage for IberiaBank. In this role, Bob was responsible for the retail segment, including digital sales and service, direct bank and call centers, retail operations, product management, payments including debit and credit cards, branch support, small business and mortgage.

Prior to joining Iberiabank, Bob was Executive Vice President for Small Business Banking for Capital One Bank.  In that role, Mr. Kottler was responsible for developing the Small Business Banking strategy and profit and loss management in the markets where Capital One’s banking business operates, including Texas, Louisiana, Maryland, Virginia, DC, New York, New Jersey and Connecticut.

His previous roles at Capital One included leading the branch, branch real estate and business banking functions in the “de novo” markets, including Dallas, Houston, Austin, San Antonio and several other communities.

Prior to the merger of Capital One Financial Corporation and Hibernia Corporation in November 2005, Mr. Kottler served as Hibernia’s Senior Executive Vice President and Chief Sales Support Officer.

In May 2003, Mr. Kottler was named Chief Sales Support Officer and Senior Executive Vice President. He was responsible for all sales support functions, including marketing, product management, delivery channel management, and loan and branch operations, payments and digital, as well as consumer and small business lending.

Mr. Kottler joined Hibernia in 1983. A Cleveland native, he has 37 years of banking experience and has served in several management positions, including Manager of the Small Business Banking Center, Small Business Banking and Marketing and Delivery Channel Management.

Mr. Kottler earned his B.S. in management and his M.B.A. from Tulane University. He is also a graduate of the Graduate School of Retail Banking, Consumer Bankers Association, at the University of Virginia.

Mr. Kottler has served on the boards of CBA and BAI and past chair of the Board of Directors for the Consumer Bankers Association.  He is also a former Director of CFED, SBFE and past member of MasterCard’s debit board. He also serves on the President’s Council and Business School Council at Tulane University and also the boards of The LA/MS chapter of the Leukemia and Lymphoma Society and New Orleans Community Sailing.

Rob Finnegan is currently chairman of Koalafi and on the Board of Verdata. He is a co-founder of both firms and was previously CEO of Koalafi. Koalafi is focused on near prime and subprime point of sale finance and supports over 10,000 retail locations across the US. It has grown to over $100M in annual revenue and $40M in annual ebitda under Rob’s leadership.

Prior to becoming CEO of Koalafi, Rob was a Partner at 2nd Order Solutions where he advised consumer and small business lending companies/investment firms on credit risk and the application of advanced modeling. Clients included Wells Fargo, Commonwealth Bank of
Australia, Warburg Pincus, and Goldman Sachs.

Prior to joining 2nd Order solutions, Rob spent 18 years at Capital One where he held a variety of
leadership roles including:

• Head of Small Business Card Division
• SVP leading all of Collections and Recoveries for US Card Division
• Head of Decision Sciences (team which built all risk, valuation, and response models)

Rob was originally an engineer focused on the modeling of large-scale systems, including the U.S. civil aviation system. He holds a degree in Systems Engineering from the University of Virginia.

Rob is also active in the non-profit space as a board member of Amigos Hospitalito Atitlan which is a small hospital supporting the Tzutujil Mayan Community in the Guatemalan highlands. Rob has a deep connection to Hospitalito Atitlan since his daughter is Tzutujil Mayan and his father is a
cofounder of the hospital.

Korey Nelson Neal Sr. serves as President of K. Neal Truck & Bus Center (KNT&B). KNT&B is a full–service commercial truck and bus dealership
representing International, Isuzu, Hino, IC Bus, and Cummins. The dealership operates from six locations throughout the Mid-Atlantic region.

Taking the steps to learn the business from bottom to top, Mr. Neal is a consistent executor of sales, service, and leasing operations generating more than 100 million in annual revenue. His company sells more than 800 commercial vehicles per year and maintains a leasing fleet of more than 200 units. Additionally, KNT&B holds nearly 50% of the market share on the school bus product for the state of Maryland.

Under his leadership, KNT&B has been awarded 2023 Dealer of the Year by Greater Washington Region Clean Cities Coalition; ranked #7 for minority-owned businesses in 2020 by Washington Business Journal; ranked #35 in the top 100 largest minority-owned businesses in the nation by Black Enterprise; and recognized in Washington Business Journal’s 2019 Family-Owned Business Awards. Mr. Neal has received numerous accolades
including recognition as Washington Business Journal’s 40 under 40 in 2020; Prince George’s County Social Innovation Fund 40 under 40 in 2020; United States Black Chambers of Commerce Emerging Leaders & Influencers Awardee in 2019; and Prince George’s County Millennial Entrepreneur of the Year in 2019. Mr. Neal has been featured in The Washington Informer, WTOP, Successful Dealer, and School Transportation News for his success in the transportation industry.

He is passionate about creating pathways of employment through internship programs, workforce partnerships with local economic development councils, as well as second chance re-entry programs. In addition to his roles and responsibilities as President of K. Neal, he is a proud serving board member for Capital Bank, American University Board of Trustees, American Truck Dealer (ATD) Board of Directors NextGen Chair, and St. Johns High School Board of Trustees. He is also a member of the Washington, DC Chapter of the Young President’s Organization (YPO). Neal was selected by the County Executive to join and lead one of Prince George’s County’s Strategic Task Force committees to support the region in navigating the economic impact of the COVID-19 pandemic on mass transit.

Mr. Neal received his bachelor’s degree from Eastern Michigan, MBA from American University, and is a graduate of the American Truck Dealers Academy. Korey Neal Sr. currently resides with his wife and two sons in Maryland.

Robert M. Kottler started his new role as Executive Vice President of Whiteclay, a leading provider of Banking software and solutions company, after a 37-year banking career. In his role, he will be responsible for regional bank relationships and partnership opportunities.

Prior to the merger of Iberiabank and First Horizon, Bob was Executive Vice President and director of Retail, Small Business and Mortgage for IberiaBank. In this role, Bob was responsible for the retail segment, including digital sales and service, direct bank and call centers, retail operations, product management, payments including debit and credit cards, branch support, small business and mortgage.

Prior to joining Iberiabank, Bob was Executive Vice President for Small Business Banking for Capital One Bank.  In that role, Mr. Kottler was responsible for developing the Small Business Banking strategy and profit and loss management in the markets where Capital One’s banking business operates, including Texas, Louisiana, Maryland, Virginia, DC, New York, New Jersey and Connecticut.

His previous roles at Capital One included leading the branch, branch real estate and business banking functions in the “de novo” markets, including Dallas, Houston, Austin, San Antonio and several other communities.

Prior to the merger of Capital One Financial Corporation and Hibernia Corporation in November 2005, Mr. Kottler served as Hibernia’s Senior Executive Vice President and Chief Sales Support Officer.

In May 2003, Mr. Kottler was named Chief Sales Support Officer and Senior Executive Vice President. He was responsible for all sales support functions, including marketing, product management, delivery channel management, and loan and branch operations, payments and digital, as well as consumer and small business lending.

Mr. Kottler joined Hibernia in 1983. A Cleveland native, he has 37 years of banking experience and has served in several management positions, including Manager of the Small Business Banking Center, Small Business Banking and Marketing and Delivery Channel Management.

Mr. Kottler earned his B.S. in management and his M.B.A. from Tulane University. He is also a graduate of the Graduate School of Retail Banking, Consumer Bankers Association, at the University of Virginia.

Mr. Kottler has served on the boards of CBA and BAI and past chair of the Board of Directors for the Consumer Bankers Association.  He is also a former Director of CFED, SBFE and past member of MasterCard’s debit board. He also serves on the President’s Council and Business School Council at Tulane University and also the boards of The LA/MS chapter of the Leukemia and Lymphoma Society and New Orleans Community Sailing.

Kathy Curtis retired from Capital bank in May of 2020 after a banking career that began in 1979 at Security Pacific National bank in Oakland, CA. Prior to Capital Bank Kathy worked for Century National Bank for 16 years and during this time was the head of compliance, Loan Operations manager, Loan Documentation manager and she held positions in the Bank’s branches. She joined Capital Bank in 2002 while it was under formal agreement with the OCC and helped management to establish a sound compliance management program to satisfy those requirements. Over the years at Capital Bank her role expanded to include oversight of the Bank Secrecy Act, Fair Lending, the Community Reinvestment Act, Information Security, Internal Controls and designation as Chief Risk Officer and Enterprise Risk. She became senior manager of the Bank’s branch system in 2012 and Loan Operations/Documentation in 2017. Throughout her tenure of success in these roles, her focus was to help the bank achieve compliance with all regulatory requirements in each of its departments in a way that was efficient, utilized technology resources, recognized sensitivity to cost controls and that delivered good customer service. An additional focus was to ensure that the Bank’s relationship with the OCC as its federal regulatory authority was open and effective. She earned the designation of Certified Regulatory Compliance Manager from the American Banker’s Association in 1994. She also served on the ABA’s Compliance Executive Committee and on the editorial board of the award-winning ABA Compliance Magazine. Kathy holds a Bachelor of Arts from George Mason University. Kathy currently serves as a member of the Bank’s Audit Committee.

Mark Caplan is President and Chief Executive Officer of The Time Group (www.thetimegroup.com), a real estate equity investment firm, which has interests in approximately 7,500 units across multi-family, manufactured housing, and senior living communities. He began investing in real estate in the late 1970’s and continues to maintain a focus on multi-family residential properties. He is the managing member and sole shareholder of Washington Place Equities (www.washingtonplaceequities.com), a development firm specializing in mixed use urban historic renovation and construction.

He also serves as Chairman of the Management Committee for WPM Real Estate Group (www.wpmllc.com), a real estate management firm he helped found that manages multi-family, manufactured housing, senior living, condominium and homeowner association, and commercial properties, with approximately 24,000 total units currently under management.

Many of the properties and entities Mark has been involved with have received awards and recognition. Among them are recognition as a Top Workplace in Baltimore by The Baltimore Sun for ten consecutive years, #1 Ranked Largest Residential Property Manager in the region five times by the Baltimore Business Journal, Property Management Company of the Year in 2015, 2017 and 2018 by the Maryland Multi-Housing Association, winner of the ULI Wavemaker award and winner of Best Residential Property by the Downtown Partnership of Baltimore.

In the early 1980’s, Mark co-founded Harbor Leasing Associates, an equipment financing business, which has grown to include commercial vehicle financing. Today, the company, now known as Madison Capital (www.madisoncapital.com), is one of the larger regional independent leasing companies in the mid-Atlantic. Mark serves as Chairman of the Management Committee for the firm.

An initial investor in Sterling Bank and Trust, Mark served as part of a three-member executive committee of the Board of Directors before it was acquired by Carroll County Bank and Trust in the late 1990’s. Mark was a member of the Board of Bay Bank, FSB (Nasdaq BYBK), which in 2018, was acquired by Old Line Bank (Nasdaq OLBK). In January of 2019, Mark joined the Board of Capital Bank (Nasdaq CBNK).

Mark has been an active member of governance boards for a variety of not-for-profit institutions, including the Enoch Pratt Free Library, the Downtown Partnership of Baltimore, The Walters Art Museum, The Bryn Mawr School, The Gilman School, Center Stage, Saint Ignatius Loyola Academy, The Real Estate Board of the Columbia Business School, Charles Street Development Corp, and Baltimore Educational Scholarship Trust.

A frequent guest speaker, Mark has been invited to lecture, with a specific focus on real estate transactions, at the Wharton Business School, Columbia University School of Business, the Carey School of Business at Johns Hopkins University, the Stern School of Business at NYU, the Georgetown University School of Business, and the University of Maryland School of Law. A publication of the Urban Land Institute includes a case study partially developed by Mark, based on one of his real estate transactions.

A Baltimore native, Mark earned his MBA from The Columbia Business School on a Dean’s Fellowship, and holds a Bachelor of Arts degree in Social and Behavioral Sciences from Johns Hopkins University. He also attended Haverford College and is a graduate of the Gilman School in Baltimore. In March 2010, Mark completed the Real Estate Executive Seminar: Capital Markets, Innovative Ventures, and Business Strategy at Harvard Business School.

Mark lives in Baltimore with his wife, Linda, and has three children.

Marc H. McConnell is the Chairman/CEO of McConnell Holdings, Inc; Art’s Way Manufacturing Co., Inc., and Bauer Corporation. Following Capital Bank, N.A.’s acquisition of Integrated Financial Holdings, Inc., where he served as Chairman, President, and CEO, Marc was appointed to the Board of Directors of Capital Bancorp, Inc. and Capital Bank, N.A. He previously held key leadership roles as Chairman of the Board, Audit Committee, and Executive Committee of West Town Bank and Trust, a subsidiary of Integrated Financial Holdings, Inc. Additionally, Marc previously served as a Director of Dogwood State Bank and its predecessor, Sound Bank. With extensive experience in the manufacturing and finance sectors as well as previous roles as President of the America Ladder Institute and the Farm Equipment Manufacturers Association, his experience and strategic vision supports the long-term growth of Capital Bank. He resides in Raleigh, NC.

With her extensive experience and remarkable achievements in the banking industry, Ms. Scully brings valuable insights and a strong leadership acumen to the board.

A lifelong banker with over 40 years of diverse experience in the Maryland marketplace, she co-founded Howard Bank and served as its Chief Executive Officer and Chairperson of the board of directors until its merger with FNB of Pennsylvania in 2022. Under her leadership, she successfully led both organic growth initiatives and strategic acquisitions, positioning Howard Bank as the largest locally headquartered banking company in the Greater Baltimore region, with over $2 billion in assets. Prior to Howard Bank, Mary Ann held various senior positions at Allfirst Bank, where she played instrumental roles in regional banking, community banking, strategic planning, mergers and acquisitions, and international banking.

In 2022, Mary Ann was honored as CEO of the Year by the Baltimore Business Journal, reflecting her enduring commitment to excellence. The same year, she was recognized by The Maryland Chamber of Commerce with her induction into the Business Hall of Fame. Named one of the Top 25 Women to Watch in Banking by American Banker, Ms. Scully was also awarded Industrialist of the Year 2018 from the Baltimore Museum of Industry, highlighting her lasting impact on the Baltimore business and banking community.

Ms. Scully’s impact extends beyond the banking industry. She serves as a director and member of the Executive Committee of the Enoch Pratt Library, vice chair of the board of Mount St Joseph College high school, and has been actively involved in various community organizations, including Catholic Charities and The Community Foundation of Howard County.

As Dean of the Sellinger School of Business, Mary Ann Scully is tasked with leveraging the historical strength of the undergraduate and graduate programs, renewing their focus on the needs of employers and the success of a new generation of students. Ms. Scully received her MBA from Loyola and her BA from Seton Hill University. She is a Loyola University Alumni laureate and a Seton Hill University Distinguished Alumna.

Professional Experience:

Fred founded The Dominion Group in 2002.  The Dominion Group is comprised of five business models.

• Dominion Properties is a fix & flip renovation company that operates throughout the State of Maryland that will renovate and sell about 70 properties in 2017. Dominion also operates in the affordable single family rental space and owns approximately 600 single family rental units in the Baltimore area.
• Dominion Financial Services is a private lender in 30 states that will originate about 120M in single family fix & flip and small commercial loans this calendar year 2017.
• Dominion Management is a specialized property manager that manages over 700 single family houses in the Baltimore area including the properties owned by Dominion.
• Dominion Insurance is a captive Insurance company formed in 2016 to insure the business risks associated with all the Dominion Group of Companies.  This company has been a vital addition to the enterprise and adds a strategic element of risk mitigation for the entire Dominion platform.

Fred provides daily strategic oversight in all of The Dominion Group companies with a special focus on operations and fundraising.  Fred subscribes to the philosophy that in order be successful long term, you must provide real value to your clients.   For Dominion, this includes our private lending borrower, our fix/flip homeowner buyers, and our residents (tenants).

Fred founded Capitol Graphics in 1985 as a specialty supplier of imprinted apparel while in his sophomore year at the George Washington University.   Fred continued this imprinted apparel venture after college where he built the enterprise into a national business that was ultimately merged with Logotel, Inc a national supplier of imprinted apparel.    Fred took over as President of Logotel in 1998 until his departure in 2001.

Boards and Organizations:

B’Nai Shalom of Olney: Fred has been on the Board of Trustees of his community Synagogue B’nai Shalom of Olney since 2009 and is currently serving a two year term as the President.

Regal Bank of Trust: Fred served as a Director on both the Board of the Bank and the Holding Company from 2008 through 2015.

Family & Recreation:

Fred has been married to his wife Jill since 1994 and has three kids, Rachel 21 a senior at Tulane University, Max 19 a high school senior, and Natalie 15 a high school sophomore.

Fred is an avid softball player and is the coach of his Sunday morning Synagogue softball team.

Deborah Ratner Salzberg is a Partner at RMS Investment Group, a family office specializing in real estate and financial investing.  Deborah has spent over 35 years in the real estate sector, most recently serving as the DC Region Chairman of Brookfield Properties. Prior to joining Brookfield, Deborah was President of Forest City Washington, Inc., a division of Forest City Realty Trust a national real estate firm that specialized in the development, construction, ownership and management of mixed-use, commercial, and residential projects.  Ms. Salzberg began her professional career as a trial attorney in the Civil Division of the U.S. Department of Justice. She serves on the boards of two public companies, CubeSmart and Capital Bank and is on the Board of Trustees for Kenyon College, The Foundation for National Archives and Planet Word. Ms. Salzberg is a member of the Real Estate Advisory Committee (REAC) for the New York State Common Retirement Fund, a member of the board of the University of Pennsylvania Institute of Urban Research and is the Chairman of the Federal City Council.