Tom Smith is a banking and military leader with extensive international experience specializing in organization management and strategy. He is currently an adjunct professor teaching Macroeconomics and Strategic Management at Grand Canyon University. Tom was previously the Operations Head of Channel Management for HSBC Bank. His primary responsibility included leading a digital team with the identification, prioritization, and customer utilization of on-line banking functionality. Tom worked at the HSBC Headquarters in London where he kicked off and led global sales transformation in the branch network and telephone channels. He is a twenty-three-year veteran of the US Army (Finance Corps) having served in two wars. He achieved the rank of Lieutenant Colonel. Tom holds a bachelor’s degree from California Polytechnic State University in San Luis Obispo and an MBA from University of LaVerne. He lives in Dana Point with his wife of 32 years, 24-year-old daughter who works for Live Nation. In his free time, Tom likes to ride bikes (both mountain and road), taste wine and hike.