Chris Tapley is Vice President and the North America FS Consulting Leader at EPAM. He is an accomplished Management Consultant and Banking Executive with a focus on financial services technology and data. Chris has a proven track record of strategy development and program delivery for leading U.S. banks and FinTechs. His 27 years of financial services experience includes stints as a C-level executive for multiple banks headquartered throughout the southeastern United States, during which time he gained a reputation for improving technology ROI and growing the firm’s bottom line, while enhancing productivity and efficiency to reduce expenses. In his role at EPAM, Chris is often engaged by banks and FinTechs to drive their transformational engagements, including operating model design, modernization, and operations effectiveness initiatives. Chris is a regular presenter at industry events and has contributed to numerous publications focused on financial services and FinTech.