Joseph W. Major
Chairman of the Board and CEO, The Victory Bank

Joseph W. Major is the Chairman of the Board and CEO of both The Victory Bank and Victory Bancorp, Inc. Earlier in his career, Joe served as the President and CEO of Vartan National Bank and of Patriot Bank Corp. Joe has also served several terms on the Board of the Pennsylvania Bankers Association, sat as Chairman of the Association during its 2016-2017 term, served on the Board of the PA Bankers Services Corporation, and Chaired the Association’s Professional Development Committee. He was formerly a director of The First National Bank of Liverpool and a director of ETA, a bank data processing service bureau located in central Pennsylvania. He has served as a volunteer and board member of many local non-profit and charitable endeavors and as a director of the PA Banker’s Advanced School of Banking, where he currently teaches Banking and Leadership classes. In addition to his undergraduate degree in business, Joe holds a JD from the University of Akron and is an honor graduate of the ABA’s Stonier Graduate School of Banking (98), where he currently serves as a Capstone Advisor to members of the third-year class.

Elizabeth Milito
Executive Director, Small Business Legal Center

Elizabeth Milito serves as Executive Director, Small Business Legal Center with the National Federation of Independent Business Small Business Legal Center, a position she has held since March 2004. Ms. Milito is responsible for managing cases and legal work for NFIB. She frequently counsels businesses facing employment discrimination charges, wage and hour claims, wrongful termination lawsuits, union avoidance and, and in most other areas of human resources law. She also provides and develops on-line and on-site training on a variety of employment law matters and is a frequent media spokesperson on employment and labor matters. Since March 13, 2020, Ms. Milito has been offering webinars to navigate small business owners nationwide through the federal loan programs, workplace safety guidelines, liability issues, and economic downturn.

Holly Wade
Executive Director, NFIB Research Center

Holly Wade is the executive director of research and policy analysis for NFIB, where she conducts original research and studies public policy effects on small businesses. She produces NFIB’s monthly Small Business Economic Trends survey and surveys on topics related to small business operations. Holly is also a member of the Board of Directors of the National Association for Business Economics (NABE). She has undergraduate degrees in Political Science and Sociology from the University of Washington, and a Masters of Public Policy from the University of Denver.