Michael R. Delucchi – President & CEO

In his 30 years of banking experience, Michael Delucchi has held several executive management positions including Chief Operating Officer, Chief Marketing Officer, Chief Information Officer, and bank director. With a diverse background built from experience in technology, regulations, compliance, operations, lending, marketing, and finance, Michael is uniquely qualified to help financial institutions leverage themselves for success. Throughout his career, Michael has built strong relationships with banking executives across the West Coast and is dedicated to supporting the WIB mission of informing, educating, and connecting community bankers.

michaeldelucchi@wib.org | (415) 352-3223


Betty House – Senior Vice President, Director of Strategic Alliances/COO

Betty House is an experienced community banker with more than 30 years in the financial services industry. She joined Western Independent Bankers in March 2013. Prior to joining the association, Betty served as vice president, information systems and security officer for Circle Bank in Marin County. Her banking career roles have ranged from operations officer, branch manager, security and business continuity officer. She has experience managing a multitude of vendors including technology, security, core and all banking systems utilized within a community bank environment. 

| (415) 352-3222

Ray Smith – Senior Vice President, Director of Finance & Events Management

Ray Smith joined Western Independent Bankers in 2004 quickly worked his way up the ranks to be promoted to vice president in 2008, then senior vice president/CAO in 2013. In late 2014, Ray took on the responsibility of interim CEO while a search for a new CEO was conducted. At the end of 2016, he also took over the management of the finance department in addition to continuing to manage all logistics for WIB’s conferences. Prior to WIB, Ray spent 17 years in association management and also worked for the Chicago-Tokyo Bank as an internal junior auditor before moving to California in 1989.

ray@wib.org | (415) 352-3224


Hannah Day – Vice President, Director of Education Development

Hannah Day joined Western Independent Bankers in March 2016 as Vice President of Education Development. Some of her experience includes public speaking, electronic banking services, product management, strategic planning, training, cybersecurity and compliance. She feels most at home when collaborating with WIB members in order to bring exceptional education resources to their organizations.  In her free time you can catch her fly fishing/hiking in the Rocky Mountains, singing and playing guitar, as well as spending time with her friends and loved ones.

hannah@wib.org | (415) 352-3236

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Not sure who you need to contact? Just send us a note and we'll get back to you. info@wib.org or give us a call at (415) 352-2323. Or you can fax us at (415) 352-2314.