Affiliated Consultants







Alex Reznikoff, Affiliated Consultant

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Alex is a senior compliance executive with 25+ years of experience and proficiency leading the development and implementation of business compliance, risk and internal controls programs for U.S. and global corporations. With expertise in corporate governance, compliance, ethics, and Sarbanes-Oxley (SOX), Alex maximizes client services and customer relations.

With broad experience in finance, banking, consumer product, and retail industries, Alex’s specific talents include successful business process re-engineering, IT general controls, Enterprise Risk Management and creation of formal Compliance and Ethics programs through collaborative management style, integration and motivation of diverse teams across multiple business divisions.

Leadership positions that Alex has held include Vice President – Information Technology and Business Relationship Management at Peoples United Bank, Vice President, Internal Controls and Risk Management Office at Hitachi Capital, and Director, Global Internal Controls at Elizabeth Arden.

Alex earned his BA, Economics at McGill University in Montreal, Quebec, and holds an MS in Business Ethics and Compliance.  He additionally holds the CAMS (Certified Anti-Money Laundering Specialist) credential.

Alex will participate in NBS engagements involving Business Process Reviews, Compliance, Enterprise Risk Management, and Conversion Project Management.




Brian Hettrick, Affiliated Consultant

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Brian is a consulting professional with 25+ years combined experience working with clients as well as in financial and operational systems roles.  He has expertise in communications with experience building effective internal communications campaigns that employ innovative technologies including buzz committees and social media to drive and support business strategy.

Brian is an accomplished leader in the implementation and auditing of high performance management systems e.g., ISO 9001/Business Management Systems/Total Quality Management and Baldrige including the integration of Quality, Risk, and Regulatory functions with a process focus.

Brian possesses a systemic orientation with the ability to identify opportunities and implement solutions resulting in improved business results.  He is recognized for strong project management skills and the ability to work cross functionally in large organizations to effectively implement change.

Brian will participate in NBS led engagements for Business Process Reviews.




Bob Reggiannini, Affiliated Consultant

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Bob has nearly 30 years of professional experience assisting financial service firms and community banks aligning organizations with emerging digital and mobile banking trends to drive growth.  Bob has broad knowledge of financial services having worked as a senior executive for technology vendors and community banks.

He has held several senior management positions with community banks throughout New England. In these roles he was responsible for IT, digital and mobile banking, operations, loan servicing, call centers and project management offices. He has also lead several site and location planning engagements for in-store, branch banking and data center facilities.

In addition, he has experience working with a number of core banking technology providers, community banks, fintech and wealth management firms. In his role as Managing Director of The NBS Group, he plays a key role in the following areas:

  • Digital and mobile banking strategy
  • Online Customer Acquisition
  • Enterprise-wide technology assessments and installations
  • Business Process Optimization
  • Vendor Contract Negotiation

Bob is a graduate Syracuse University where he was a member of Phi Kappa Psi fraternity and earned a BA in Economics from the Maxwell School. He is also a graduate of the Stonier Graduate School of Banking.  Bob lives in Longmeadow, MA with his wife Karen and three daughters.  In his spare time, Bob enjoys skiing and spending time with his two Labrador retrievers.


Susan Teixeira, Affiliated Consultant

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Susan has been in community banking for over 20 years.  She draws on her broad background in risk management, compliance, bank operations, digital banking, and project management to assist clients with operational and technology projects.

Susan started her career as a Risk Management Examiner for the FDIC in the Western Massachusetts Field Office.  After leaving the FDIC, she held positions of Assistant Vice President of Compliance & CRA at Woronoco Savings Bank (Westfield, MA), Vice President of Operations at Florence Savings Bank (Florence, MA), and First Vice President of Regulatory Policy and Fraud Prevention at Country Bank (Ware, MA).  Prior to joining The NBS Group, Susan served as Senior Vice President of Operations for Country Bank.   She brings to NBS a wealth of knowledge and talent.

Susan is a graduate of the Stonier Graduate School of Banking and holds a Wharton Leadership Certificate.  She is currently pursuing a MBA from Bay Path University in Entrepreneurial Thinking and Innovative Practices.





Stephen Angell, Affiliated Consultant

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Stephen is an experienced and accomplished c-suite leader who has provided advice, counsel and support to senior managers and boards at community banks and credit unions for over fifteen years.  In addition, he has served in the c-suite as a Chief Executive Officer (CEO), Chief Operations Officer (COO), Chief Risk Officer (CRO) and General Counsel (GC).  His unique combination of vision and technical knowledge has been shaped by his experience in the areas of strategic business planning; organizational management; operational analysis; balance sheet management; quality control; compliance and regulation; government relations; enterprise risk management; lending administration (commercial and consumer); information technology; product development, branding and marketing; legal matters (administrative, transactional and litigation) touching all aspects of financial services administration including mergers and acquisitions.

Stephen has served as a CEO and COO both in the c-suite and on an out-sourced basis.  In these capacities, he had primary responsibility for, and direct oversight of strategic planning, information security (including vulnerability testing), vendor management, internal audits, risk and compliance, lending operations, retail operations, physical plant, public relations/marketing, human resources and the conduct of regulatory examinations. He has led project management teams in core data system conversions and in the development and implementation of a virtual banking platform.  In all these areas of responsibility, Stephen was the architect, author and presenter of reporting (oral and written) to regulators, board of directors, board committees, insurers, vendors, other managers and all other stakeholders.

As a CRO, Stephen’s experience runs deep in every aspect of risk and compliance administration.  His extensive background in law, regulation and banking has informed internal policies and procedures penned by him as well as project management systems which he has authored and/or administered in enterprise risk management, BSA/AML/OFAC, information and cyber security, vendor management, information technology, business continuity, internal and external auditing, and all attendant training programs.

As in-house GC, and on an out-sourced basis in private practice, Stephen has provided legal advice, counsel, administrative supervision, and direction to the following constituencies within banks and credit unions: boards of directors; senior managers; lending departments; workout groups, and human resources.  Regularly interacting and corresponding with insurers and regulators, he has guided organizations through a varied regulatory thicket that includes responding to regulatory examinations, charter revisions, by-law changes, as well as mergers and acquisitions. In addition, he has provided legal expertise to banks and credit unions in the areas of corporate governance, asset/liability management, loan portfolio sales and acquisition, risk, compliance, vendor management, contracts, negotiation, lending (commercial and consumer with particular expertise in indirect lending), troubled assets, and human resources.

At NBS, Stephen is in-house counsel and an executive managing director specializing in regulatory affairs, corporate governance, strategic planning, loan program development and implementation, mergers and acquisitions, enterprise risk management, as well as the acquisition and sale of loan portfolios.

Stephen is a practicing attorney admitted to practice in several jurisdictions in the northeastern United States and he is admitted to the bar of the Supreme Court of the United States of America.  Stephen has also been elected or appointed to serve on numerous public bodies and private boards, having chaired four of them. His philanthropic pursuits include membership as a lifetime fellow of the Rhode Island Bar Foundation, serving as a board member of Special Olympics Rhode Island and a member the Rhode Island Interscholastic League Finance Committee.  Stephen was graduated from Western New England University and Providence College where he was awarded the degrees of Juris Doctor and Bachelor of Arts in Economics, respectively.  He resides in Rhode Island.