Ryan Rackley specializes in contract negotiations, payments, mergers, branches, and technology at Cornerstone Advisors. He helps clients reduce vendor costs through effective contract negotiations and increase non-interest income through payments revenue generation. Ryan's prior experience includes contract negotiation, information technology, and analytics at a midsize bank and a technology infrastructure firm. Cited often in the industry press and a regular contributor to GonzoBanker, he is a sought after speaker at national conferences including ABA and American Banker's PayThink and CardForum. Ryan stays Gonzo through family, golf, baseball, mountain biking, and hiking.