Carl Snyder is a Senior Industry Principal in the Financial Services division for SAP in North America. His focus in on retail banking solutions – including core banking and the customer experience. His role is to provide retail banking subject matter expertise to the sales team, marketing department and the product organization. Carl came to SAP in 2009 with more than 22 years in the banking industry. Most recently, he was the President of the Zions Internet Bank at Zions Bank. Previously, he was the EVP and Director of Retail Bank Operations for Zions Bancorporation. Tom’s banking career has been focused in the retail banking space, with experience in driving branch and bank profitability by implementing efficiency programs, retail pricing strategies and sales initiatives. He is also an Adjunct Professor of Business Strategy and Operations Management at the University of Utah.