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Mr. Hall is chairman, president and chief executive officer of Regions Financial Corporation and Regions Bank and leads the company’s Operating Committee and Executive Council. Mr. Hall began his banking career when he joined Regions’ Management Training Program in 1980. During his tenure at Regions, he has served in roles of increasing responsibility in numerous areas, including Operations and Technology, Consumer Banking, Commercial Banking, and Wealth Management. Mr. Hall was elected vice chairman and a member of the boards of Regions Financial Corporation and Regions Bank in 2008 and was named president and chief operating officer in 2009. He was named president and chief executive officer in April 2010 and assumed his current role of chairman, president and chief executive officer in May 2013. He also serves on the boards of Vulcan Materials Company, the Economic Development Partnership of Alabama and Alabama Power Company, a wholly-owned subsidiary of The Southern Company. Mr. Hall also serves as a representative on the Federal Advisory Council of the Board of Governors of the Federal Reserve System.
David Turner joined Regions in 2006 and serves as Regions' chief financial officer. He is also a member of the company's Executive Council. Turner leads all finance operations, including strategic planning and corporate development, business analytics, investor relations, treasury, corporate tax, management planning and reporting, accounting and control.
Turner led the Internal Audit Division for Regions before being named chief financial officer in 2010. His responsibilities included overseeing various audits of the lines of business and the overall corporation with reporting to the Audit Committee and the Executive Council.
Prior to joining Regions, Turner served as an audit partner of KPMG LLP. He previously served Arthur Andersen in a number of positions, including: audit partner, audit manager, senior auditor and staff auditor.
Turner earned a bachelor's degree in Accounting from the University of Alabama in Tuscaloosa and attended Tulane University in Louisiana.
Turner serves on the Board of Directors and the Executive Committee for Junior Achievement of Greater Birmingham, Inc. and is a member of the Alabama Society of CPA's and the American Institute of CPA's.
Fournier J. "Boots" Gale, III is general counsel and corporate secretary for Regions Financial Corporation and serves on the company's Executive Council.
Prior to joining Regions in 2011, Gale was a founding partner of Maynard Cooper & Gale PC in Birmingham, Alabama. Since founding the firm in 1984, it has grown to be one of the Southeast's leading law firms. A hallmark of Gale's 40-year legal career has been his ability to understand new regulatory and legal environments and to help his diverse clients navigate complex issues.
Gale holds both a bachelor's degree and law degree from the University of Alabama, where he served as editor in chief of the Alabama Law Review. He is a former president of the University of Alabama Law School Foundation and has been active in many civic and community organizations, including Leadership Birmingham and Leadership Alabama. He has served as general counsel to the Business Council of Alabama since its inception.
Gale is a former president of both the Alabama State Bar and the Birmingham Bar Association. He was a member of the Alabama Commission on Higher Education for nine years and served as the chairman from 1998 to 2000. Nationally, he has served on the ABA Standing Committee of the Federal Judiciary (Eleventh District) and the Standing Committee on Alternative Dispute Resolution. He is a fellow of the American Bar Foundation and has served on the Board of Directors of the American Judicature Society.
Matt Lusco is Chief Risk Officer and leads the Risk Management Group, which is comprised of risk management operations, including Enterprise Risk, Compliance Risk, Operational Risk, Credit Risk, Market Risk, Business Services Credit, Credit Operations, Problem Asset Management, Risk Analytics and Regulatory Affairs. He is also a member of the company's Executive Council.
Lusco joined Regions in 2011, bringing over 30 years of audit, accounting and risk management expertise in a wide range of institutions. Prior to joining Regions, Lusco was managing partner in KPMG's offices in Birmingham, Alabama and Memphis, Tennessee. In this role, his primary focus was in providing audit and business advisory services to publicly and privately held companies, particularly commercial banks in the southeastern United States. Before joining KPMG, Lusco was with Arthur Andersen's Birmingham, Alabama, office from 1989 to 2002 and was managing partner from 1996 to 2002. From 1986 to 1988, Lusco worked in the Office of the Comptroller of the Currency's Office of the Chief Accountant in Washington, D.C. where he worked with OCC representatives and counterparts at the FDIC and Federal Reserve in policy development and in interpreting accounting and regulatory issues. He began his career in the Jackson, Mississippi office of Arthur Andersen in 1979.
Lusco graduated from the University of Mississippi in 1979 with a bachelor's degree in business administration and is a CPA in Alabama, Mississippi and Tennessee. Matt's community and civic involvements have been varied and have included board and/or leadership positions with Operation New Birmingham, The Civic Club Foundation, The Birmingham International Festival, The American Heart Association and the Ole Miss Alumni Association. He is a member of the Birmingham Downtown Rotary Club, The Monday Morning Quarterback Club and was in the 2001 class of Leadership Birmingham.
John Owen is head of the Regional Banking Group, which includes the businesses that serve Retail Customers and Small Businesses, the Wealth Management Group, the Branch Network and its market leaders, Corporate Marketing, and E-Business. He also serves as a member of the Executive Council for Regions.
Owen joined Regions in 2007 as head of Operations and Technology, where he served until 2009, when he was named head of the company’s Consumer Services Group. Before being named to his current position as head of the Regional Banking Group in 2014, Owen served two years as head of Business Lines, which included the Business Services, Consumer Services, Consumer Lending, and Wealth Management groups. Prior to joining Regions, he served as chief executive officer of Assurant Specialty Property, a Fortune 500 company based in Atlanta, Georgia. Owen began his service at Assurant in 1998 as senior vice president of Information Technology. From 2003 until 2005 he held the position of chief operating officer of the Assurant Property and Solutions Group and was then promoted to chief executive officer.
Owen also served as senior vice president of Global Systems Development for Citicorp Credit Services, chief information officer of North American Operations for Arrow Electronics, and senior vice president of technology for American Airlines. He began his career in 1983 in information systems with McDonnell-Douglas.
Owen holds a bachelor’s degree in Aviation Management from Auburn University School of Engineering in Auburn, Alabama. He is a graduate of Leadership Alabama, a board member on the Consumer Bankers Association, a member of the Financial Services Roundtable, and is involved as a foster parent in Clanton, Alabama.
John Turner joined Regions in 2011 and is head of the Corporate Banking Group, which includes the businesses that serve middle-market and large commercial customers. He is a member of the company's Executive Council.
Before being named head of the Corporate Bank in 2014, Turner was the president of the South Region and provided leadership for banking operations in Alabama, Mississippi, South Louisiana and the Florida Panhandle.
Turner was named president of Whitney National Bank and Whitney Holding Corporation and was elected to the bank and holding company Boards of Directors in 2008. Previous to this he served as Division Executive, Banking Division, with responsibility for all geographic line banking functions across the bank, and as the company's Eastern Region President. Turner joined Whitney in 1994 as its Alabama regional president after serving in senior consumer and business positions with AmSouth Bank.
Turner holds a bachelor's degree in economics from the University of Georgia.
Turner is a former chairman of the Mobile Area Chamber of Commerce, former chairman of the Mobile Area Education Foundation, a former chairman of the United Way of Southwest Alabama and a graduate of Leadership Alabama. He is a former board member of Leadership Mobile and currently serves on the PARCA, Business Council of Alabama, A Plus Education Foundation and Infirmary Health System boards.
Brett Couch joined Regions in 1990 and oversees banking operations in the East region, which includes Florida (excluding the Panhandle), Georgia, East Tennessee, North Carolina, South Carolina and Virginia. He is also a member of the company's Operating Committee.
Prior to assuming his current duties in 2008, he served as Mississippi state president and area president for West Florida. Couch previously held various positions, including head of Business Banking, manager of Credit Review and commercial sales manager. Prior to joining Regions, he worked in National Accounts for SunTrust Bank.
Couch earned a bachelor's degree in Corporate Finance from the University of Alabama. He is a graduate of the Graduate School of Banking at Louisiana State University.
Couch serves on the boards of directors of the Tampa Metropolitan YMCA (Governance Board Chair), Enterprise Florida (Vice Chair) and Florida Council of 100. He also has prior leadership roles with United Way, American Heart Association (Heart Walk Chair - 2007) and Tampa Lowry Park Zoo Board.
Barb Godin joined Regions in 2003 and is Chief Credit Officer responsible for Credit Policy, Credit Administration and Problem Asset Management. She is a member of the company's Operating Committee.
Before joining Regions, Godin served as executive vice president and chief consumer credit officer for KeyBank. For most of her career, she was with Scotiabank, serving in various positions including senior vice president of retail lending, vice president of credit risk management, director of collections and director of consumer underwriting.
Godin earned a degree in Finance and holds a master's degree in business administration from the University of Western Ontario. Godin is also a graduate of the International School of Banking.
Keith Herron joined Regions in 1988 and oversees banking operations in the South Region, which includes Alabama, Mississippi, South Louisiana and the Florida Panhandle.
Before being named to his current role in June 2016, Herron served as the head of Strategic Planning and Execution. In this role, he led the planning process to develop the enterprise strategic plan and the execution of the plan's tactics. The Strategic Planning and Execution Group develops enterprise-wide initiatives such as Regions360, customer service, financial literacy, and customer retention, while ensuring these priorities are rapidly executed throughout the company's markets. This group also has responsibility and oversight for Regions' Lean Six Sigma initiative and Corporate Mergers and Acquisitions. Herron is a member of the company's Operating Committee.
Previously Herron served as the regional president for the company's Midsouth Region, which includes Tennessee, North Carolina, Virginia, Kentucky, Missouri, Iowa, Illinois and Indiana. During his career, he has been head of Credit Review and an area president for North Alabama, East Tennessee and Middle Tennessee. He also worked as a credit analyst, a Commercial Middle Market and National Accounts Relationship Manager, and served as the Commercial Banking Executive for Central Alabama.
Herron earned a bachelor's degree from Samford University in Birmingham, Alabama, and a master's degree in Finance from DePaul University in Chicago, Illinois. He also graduated with honors from Stonier Graduate School of Banking at the University of Delaware.
Herron serves on the Board of Overseers for Samford University, the Advisory Board for the Brock School of Business at Samford, the Board of Directors for the Vulcan Park and Museum and the Church Council for Canterbury United Methodist Church in Birmingham, Alabama. He is also a member of the Newcomen Society of Alabama.
Bill Horton oversees commercial banking operations, serving small and middle market companies through relationship managers located across the company's footprint.
Before being named to his current role, Horton served as the Regional President, South Region, which includes Alabama, Mississippi, South Louisiana and the Florida Panhandle. He is a member of the company's Operating Committee.
Horton joined Regions’ Management Training Program in 1974 and has served throughout the bank's branch system. Before being named president of the South Region in 2014, he managed several areas in both Consumer and Business Services throughout his career, including the BankCard, Consumer Lending and Business Banking departments. He has also managed the Consumer Loan and Deposit Product Management teams. Horton organized and headed the bank’s Business Loan, Consumer Loan and Direct Loan Centers along with the Home Equity Lending department. He served as head of Mortgage Banking and Business Banking prior to leading the Community Banking segment of Regions’ Business Services Group.
Horton holds a bachelor’s degree from Jacksonville State University in Jacksonville, Alabama, and is a graduate of the Graduate School of Banking at Louisiana State University.
Horton is involved in a number of community activities, including serving on the board of the Birmingham Kiwanis Club, the Birmingham Educational Foundation, Railroad Park Foundation, A. G. Gaston Boys and Girls Club, Birmingham Business Alliance and the Lakeshore Foundation. He is past co-chair of the Central Alabama United Way Campaign and Board Chair REV Birmingham.
Ellen Jones joined Regions in 2009 and serves as the Head of Strategic Performance and Alignment. In this role, she focuses on the alignment of business units, their strategic plans and their financial projections to the Corporate Strategy and longer term performance targets. Jones is also a member of the company’s Operating Committee.
Before joining Regions, Ellen worked at Bank of America where she held senior level finance leadership positions in three of the company’s major business lines: Consumer Banking, Commercial Banking and Wealth and Investment Management. In addition, she led the finance transition teams for two mergers: Fleet National Bank of Boston (2004) and the LaSalle National Bank in Chicago (2007).
Prior to Bank of America, Ellen spent ten years at Motorola, Inc. in Chicago. Her tenure there included various senior finance roles across several business lines in the communications and automotive sectors. She also served as a director of strategic planning and was charged with driving global alignment of business and corporate objectives, resources and compensation.
Ellen has a Masters in Business Administration from the Kellogg Graduate School of Management, Northwestern University, and she has an undergraduate degree in Accounting from University of Dayton. She has served as a business advisor to the State of Illinois Strategic Planning Advisory Council. In addition, she serves on the boards of several not for profit organizations in the Birmingham area.
Dave Keenan is Senior Executive Vice President and Head of Human Resources. Keenan is also a member of the company's Operating Committee.
Prior to being named Head of Human Resources for the company in 2010, Keenan managed staffing, retention, training, employee relations, and organizational development for the company's 16-state footprint and for Morgan Keegan.
Prior to joining Regions in 2003, Keenan served as director of Human Resources at Frito-Lay, a division of Pepsico.
Keenan earned a bachelor's degree in Political Science from Furman University. He earned a master's degree in Human Resources from Boston University in Heidelberg, Germany, while serving in the United States Army.
Scott Peters joined Regions in 2004. He is head of the Consumer Services Group, which includes Corporate Marketing, Cards & Payment Division, Delivery and Branch Support, and eBusiness.
Prior to joining Regions, Peters served as executive vice president of Fidelity Personal Investments, with segment management responsibility for 2.6 million households, $1.05 billion in revenues, and $230 billion in assets under management. He joined Fidelity in 1998 from KeyCorp, where he served as director of Mass Market Retail Banking and was responsible for the bank's 2,500 branch-based retail sales people. He began his banking career in 1987 with Citibank, where he opened and managed a de novo branch, ultimately serving as director of U.S. Core Product Marketing. In that role, he was responsible for all aspects of consumer credit and deposit product marketing and product development for Citibank's U.S. retail bank.
He is a board member of the Regions Charity Classic Foundation and the Bank Administration Institute. Peters holds a bachelor's degree in Marketing from the University of Connecticut, Storrs, Connecticut.
Bill Ritter joined Regions in 1993 and is responsible for the Wealth Management Group, which includes Trust, Private Banking and Insurance. Ritter is a member of the company's Operating Committee.
Prior to assuming his current role in 2011, Ritter served as president for the Central Region, overseeing all banking operations in Alabama, Georgia and South Carolina. Throughout his career at Regions, Ritter has served in a number of management positions, including North Central Alabama area executive; commercial banking executive with management responsibility for all Commercial Middle Market; Corporate Banking; and Public, Institutional and Not for Profit activity. He has also served as commercial banking sales manager in North Central Alabama and as the business banking sales manager for North Central Alabama.
Ritter earned a bachelor's degree in Economics from Vanderbilt University and is a graduate of the Stonier School of Banking at Georgetown.
Ritter serves on the board of directors for the McWane Science Center; Innovation Depot; Alabama Symphony; and, Public Affairs Research Council of Alabama.
Ronnie Smith joined Regions in 1981 and oversees banking operations in the Mid-America region which includes Middle and West Tennessee, Texas, North Louisiana, Arkansas, Missouri, Indiana, Kentucky Illinois and Iowa. Smith is also a member of the company's Operating Committee.
Smith began his banking career at Regions as a management trainee. During his career, he worked as a credit analyst and a relationship manager. He also held leadership roles, including corporate division manager, city president, and area executive for Mississippi/North Louisiana prior to assuming his current role in 2006.
Smith earned a bachelor's degree in Economics and Accounting from Mississippi College, and graduated from The Graduate School of Banking at Louisiana State University as well as the KPMG Commercial Banking Institute.
He serves on the boards of the Metro Jackson Chamber of Commerce, Andrew Jackson Council Boy Scouts of America, INROADS, Baptist Health Systems, Mississippi Bankers Association, Mississippi Higher Education Corporation, and Region's Foundation. He is also active in the Jackson Rotary Club.