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Bank Events

Thank You for Attending the 2019 Member Symposium!

Strategy, Technology, Economics, Banking and Liquidity

Wednesday, April 17, 2019
8:00 AM to 2:00 PM



Address from the President
José R. González, FHLBNY President and CEO


Economic Update: Breaking the Record
Brian Jones, FHLBNY Financial Economist


Balance Sheet Strategy: Understanding Your Options in Any Environment
Scott Hildenbrand, Sandler O’Neill’s Principal and Chief Balance Sheet Strategist


Member Strategies: Positioning for Success
Thomas Settino, FHLBNY VP and Director of Member Relations


Going the Digital Way: Understanding the Potential of Emerging Technology
Nancy Albinson and Sunil Kapur, Deloitte & Touche LLP Managing Directors


Featuring Keynote Presentation

Never Quit: The Story of a Life Built on Successful Missions
Robert O’Neill, Former SEAL Team Six Leader, Naval Special Warfare Development Group
and New York Times Best-Selling Author

Speaker Bios

José R. González

was appointed President and CEO of the Federal Home Loan Bank of New York on April 2, 2014. Mr. González joined the FHLBNY on October 15, 2013, as Executive Vice President. Mr. González served as Vice Chairman of the Board of Directors of the FHLBNY from 2008 through 2013, and as an elected industry director since 2004. Prior to joining the FHLBNY, he served as Senior Executive Vice President, Banking & Corporate Development for OFG Bancorp (formerly Oriental Financial Group, Inc.). Mr. González is also a member of the Board of Directors of the Pentegra Defined Benefit Plan for Financial Institutions since July 2014.

Mr. González was a member of the Board of Directors of Santander BanCorp (Santander), a bank holding company, from 2000 to 2010. From 2002 to 2008, he was Vice Chairman of the Board, President and CEO of Santander. After joining Santander in 1996 as President and CEO of its securities broker dealer, Mr. González was named Senior Executive Vice President and Chief Financial Officer of the holding company in 2001.

Mr. González began his career in banking in the early 1980s as Vice President, Investment Banking, for Credit Suisse First Boston (CSFB) and, from 1989 through 1995, served as President and CEO of CSFB’s Puerto Rico operations. He served as President and CEO of the Government Development Bank for Puerto Rico, a government instrumentality that acts as the Commonwealth’s fiscal agent, from 1986 to 1989. He is a past President of both the Puerto Rico Bankers Association and the Securities Industry Association of Puerto Rico. Mr. González holds a B.A. in Economics from Yale University and M.B.A. and Juris Doctor degrees from Harvard University.

Brian M. Jones

is a professional economist with over three decades of experience covering the U.S. economy and financial markets. He has worked with a variety of leading domestic and foreign financial institutions, including Societé Generale, Citibank, Salomon Smith Barney, Salomon Brothers, Lloyds Bank and Irving Trust Company. Throughout his career, Brian has supported all aspects of the Fixed Income, Currencies and Commodities (FICC) businesses of his employers with regard to U.S. macroeconomic analysis and forecasting. Brian is now VP, Financial Economist, at the Federal Home Loan Bank of New York, and in this role he provides macroeconomic analysis and strategic insight that is utilized across our organization. Brian has been cited by MarketWatch as one of the “best in the business at forecasting the U.S. economy.” He is a 14-time winner of MarketWatch’s Forecaster of the Month award, most recently in August 2016. A native New Yorker, Brian received an A.B. in Economics from Columbia College and an M.B.A. in Finance from New York University.

Scott Hildenbrand

is a Principal and Chief Balance Sheet Strategist of Sandler O’Neill + Partners, L.P. He heads the Balance Sheet Analysis and Strategy group, which works with financial institutions on interest rate risk management, investment portfolio strategy, retail and wholesale funding management, derivative strategy, capital planning, budgeting, and stress testing.

Mr. Hildenbrand is a frequent financial industry commentator and has been featured in The Wall Street Journal, Bank Director Magazine and S&P Global Market Intelligence. He regularly speaks on issues related to balance sheet management at industry conferences and community banker forums throughout the country.

Mr. Hildenbrand holds a M.B.A in Finance from Loyola College in Maryland and a Bachelors degree from Gettysburg College. He serves as Treasurer on the Board of Directors for Liam’s Room, a not-for-profit organization that focuses on medical care for children with serious illnesses.

Thomas R. Settino

is Vice President and Director of Member Relations at the FHLBNY. He is responsible for managing a team of Relationship Managers who provide product support to banks and credit unions located throughout the FHLBNY district, which includes New York, New Jersey, Puerto Rico, and the U.S. Virgin Islands. Tom has been with the FHLBNY since January 2011. Tom’s experience includes a long tenure working in the Banking Supervision Group at the Federal Reserve Bank of New York. Tom was also employed at the United States Trust Company of New York where he worked as VP of Treasury Services in charge of Cash Management and Asset/Liability Management. Tom earned his undergraduate degree from Manhattan College in New York City and also earned his MBA at Pace University in New York City.

Nancy Albinson

Managing Director at Deloitte & Touche LLP, is Deloitte’s Risk and Financial Advisory and Global Risk Advisory Innovation leader. She focuses on innovation strategy, sensing of emerging trends, experimentation, and efforts to invest in and scale new or adjacent solutions. She leads a program focused on making strategic investments in emerging megatrends and technologies and engaged in efforts to transform core offerings with digital technologies. She leads talent development for Risk and Financial Advisory to help shape the workforce of the future.

Sunil Kapur

is a Managing Director in Deloitte’s Financial Services practice, providing services to the Banking, Capital Markets & Insurance Industry. As the Advisory Cloud Leader he works towards enabling his FSI clients to solve industry specific problems leveraging emerging technologies like Big Data Analytics, Machine Learning/AI, Blockchain and RPA. He specializes in strategy and risk management in the safe and effective adoption of these technologies. At Deloitte, he is currently focusing on the Future of Operations and Future of Analytics initiatives.

Rob O’Neill

is one of the most highly-decorated combat veterans of our time and the author of the New York Times best-selling memoir The Operator: Firing the Shots That Killed Osama bin Laden and My Years as a SEAL Team Warrior. A former SEAL Team Six leader with the Naval Special Warfare Development Group, he deployed more than a dozen times and held combat leadership roles in more than 400 combat missions in four different theaters of war. A highly-trained Navy SEAL, he led the military’s most elite and was involved in our nation’s most important campaigns. With most of his career shrouded in a classified cloak, O’Neill was the man on the ground we have never heard of but know exists. He was one of the quiet professionals performing the most difficult tasks in the most difficult circumstances, serving his remarkable career in the shadows and keeping America safe in the process. He is currently a contributor to Fox News.


In the world of high-pressure Navy SEAL missions, instant, critical decision-making is a necessity for success. He has proven experience in exceptionally high-risk and fluid environments. Having trained more than 800 special operations and tactical operators, O’Neill brings this unique expertise to organizations and translates his elite SEAL team training into high-impact, actionable insights on leadership, decision-making, operating in uncertain environments, and how to become the ‘best of the best.’ Exclusively represented by Leading Authorities speakers bureau, his mantra is “never quit,” and he believes this is the single most important factor in determining success. O’Neill reminds us that the servicemen doing the dirtiest work are often making the hardest sacrifices.

Decorations. One of the nation’s most decorated veterans, O’Neill has been decorated more than 52 times with honors, including two Silver Stars, four Bronze Stars with Valor, a Joint Service Commendation Medal with Valor, three Presidential Unit citations, and two Navy/Marine Corps Commendations with Valor. Silver Stars, the military’s third highest honor, are awarded for extraordinary gallantry in action against an enemy of the United States. Bronze Stars with Valor are awarded for merit, with Valor signifying a heroic act and direct participation in combat operations. It is the fourth-highest combat award of the U.S. Armed Forces and the ninth highest military award overall. Joint Service Commendation Medals are given for senior service on a joint military staff and is the most senior of the commendation medals.

Military History. O’Neill rose to the rank of senior chief petty officer in the United States Navy and served as a team leader at DEVGRU, positions not come by easily. O’Neill has a laundry list of certifications, including instructor, physical trainer, master training specialist, special warfare sniper and breacher, diving supervisor, and survival expert. He was also an officer in charge of small arms, demolition, close quarters combat, explosives breaching, fire and maneuvers, and laser systems safety. His military air operations qualifications include high-altitude and high-opening free fall jump master, tandem and bundle master, parachute rigger, master naval parachutist, drop zone safety officer, and air operations trainer/examiner and quality assurance inspector. He has completed more than 1000 jumps.

Since leaving active duty, O’Neill is a co-founder of Your Grateful Nation, which provides individualized transition support for Special Operations heroes and their families. They provide executive-level mentoring, transition services, and family stabilization support.