The economy has rebounded immensely this year, but many uncertainties and hurdles remain, not the least of which are new variants of the COVID-19 virus. The one thing that remains clear is this will not be a typical recovery that follows the normal path of previous cycles. Depository institutions have been especially challenged due to the vast amount of deposit growth that has occurred in a low rate environment with little loan demand. Our focus with this year’s Seminar will be to find the right balancing point to best deal with these uncertainties.
While the pandemic has changed the way everyone does business, FHN Financial remains committed to serving you and your needs. We are moving our in-person annual seminar online. This event gives you direct access to our industry experts so you can maneuver through this unique environment. We will still provide CPE credits for all those who qualify.
Richard P. Montañez leads Multicultural Sales & Marketing across Pepsi North American divisions. Throughout his career, Richard has worked in various assignments and roles across all PepsiCo division and functions. Richard started his PepsiCo career at Frito-Lay in 1976 as a janitor in its Rancho Cucamonga plant. He is recognized as the creator of the Flamin' Hot line of products including Flamin' Hot Cheetos, which influenced future ethnic products and the first Frito-Lay Hispanic marketing team. In addition, Richard helped influence Hispanic products and marketing promotions for KFC and Taco Bell. Richard is known for his visionary leadership and ability to develop new systems and products.