Rich Smith is an award-winning marketer with a 25-year track record of building top-tier brands in financial services, insurance, and healthcare. He has served as the CMO of five major companies over the past 17 years including AIG Bank, Ditech Financial, Recovery Centers of America, Chief Outsiders, and Jornaya. Rich specializes in making profitable change happen, which he’s doing in his current role with PenFed, the nation’s second largest credit union and one of the fastest growing mortgage companies. Rich is an engaging speaker, author, and industry thought leader. He has served on the North American Advisory Board of the CMO Council and is regularly invited to speak at industry events. Rich holds an MBA from the Alfred Lerner College of Business & Economics at University of Delaware and a Bachelor of Science in Economics from Penn State University.