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Michael Croal brings close to 20 years experience in the financial services industry offering a unique blend of skills in technology, operations, and project management. Prior to joining Cornerstone Advisors, Michael was a senior level executive with Hancock Bank, most recently serving as Senior Vice President and Director of Corporate Loan Operations. During his tenure at Hancock, Michael also served in executive level positions in Deposit Operations, Loan Operations, and Information Technology. As Senior Director at Cornerstone, Michael offers in-depth knowledge in all aspects of banking technology combined with strong operations and managerial experience. Michael is considered an expert in operational and delivery systems and has been responsible for leading numerous enterprise technology initiatives during his career. As a former senior level technology and operations executive, Michael also has significant experience in regulations, compliance and business continuity planning issues. Most recently, Michael led Hancock’s complex core and ancillary disaster recovery effort following Hurricane Katrina and was recognized by the Board of Directors for exemplary leadership in the face of this disaster. Michael is a contributing author to Cornerstone’s benchmarking and best practices publication, The Cornerstone Report: Benchmarks and Best Practices for Credit Unions 2006. He is regularly published on GonzoBanker and CUES Tech Port. Michael graduated from Millsaps College in Jackson, Mississippi with a B.S. in computer science and received his M.B.A. in Banking from Troy University. Michael has also completed graduate level banking programs at Vanderbilt, Louisiana State University and the University of Mississippi. | 