Tom Bowers brings to ZM Financial Systems an extensive background in asset/liability management, capital markets activities and regulatory experience. Tom manages the company’s www.OnlineALM.com product, an internet-delivered ALM solution tailored for community institutions, backed by the industry-leading analytics of ZMdesk. In this position, he provides support on functional aspects to the system, performs implementations and delivers practical guidance on how to apply the tool’s advanced financial analytics towards resolving crucial risk management issues. Tom's role includes on-site client education, creating user documentation and assisting on enhancing and broadening the company's software products. He maintains a strong public presence as a top-rated speaker at ALM forums hosted by the Financial Managers Society.