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Terence Roche brings to his position as principal at Cornerstone Advisors more than 25 years of experience in banking and consulting. Prior to founding Cornerstone, Roche was a Managing Director at M ONE, Inc., where he built the firm's highly successful vendor selection practice. Before M ONE, Roche served as senior vice president of systems and technology at Bay View Federal Bank in San Francisco. Prior to that, he was manager of retail banking sales and branch administration after a stint supervising human resources and facilities groups.
Among Roche’s many accomplishments, he has directed numerous core system conversions and installations, has managed the MIS and operations functions of a $4 billion bank, installed the first incentive plan for branches and brokers in a $5 billion bank, and served as retail banking division manager of a 44-office bank in Northern California.
Roche has been invited to make presentations before various industry conferences, including CUES events, BAI's Retail Delivery and Internet Delivery/Risk Management conferences. He has spoken before the client meetings and user conferences of numerous vendors. An expert in bank systems and technology, Roche is among the authors of The Cornerstone Report: Benchmarks and Best Practices for Credit Unions, The Cornerstone Report: Benchmarks and Best Practices for Mid-Size Banks, and The Mid-Sized Bank Study 2002. Roche displays his far-reaching knowledge as a frequent contributing author on GonzoBanker, Cornerstone’s popular blog. He has been published in BAI Banking Strategies, American Banker, Bank Technology News, Independent Banker and Credit Union Management™ magazine, to name just a few.
Roche holds a BA from the University of California at Berkeley. He has taught at the BAI and ACB schools of banking and has served as a faculty member of the University of Wisconsin Graduate School of Banking.