Andrew T. Smith

About Andrew T. Smith

As Chief Deposit Officer at INSBANK, I focus on helping business clients run smarter, faster, and more confidently by aligning our deposit and Treasury Management strategy to what matters most: liquidity, control, visibility, and a seamless experience. I lead enterprise deposit growth across product, pricing, and distribution, partnering closely with relationship teams to design and deliver solutions that fit how clients actually operate—from optimizing operating balances and account structures to improving receivables, payables, fraud mitigation, and cash forecasting. As a Certified Treasury Professional (CTP) with a deep Treasury Management background, I translate complex treasury needs into practical, scalable offerings and reliable execution. My priority is building a high-performing team and operating model that makes it easier to do business with INSBANK while supporting safe, profitable, relationship-driven growth.

Experience

1. SVP, Chief Deposit Officer

   Insbank

   Oct 2021 — Present · Nashville, TN, US

   Executive leader responsible for enterprise Deposit and Treasury Management (TM) strategy, driving growth, client value, and operational excellence. Serve as a key member of the Bank’s Senior Leadership Team, advising on deposit and liquidity trends, competitive dynamics, pricing, and balance sheet opportunities to align funding strategy with overall bank objectives. Lead Commercial Deposit Relationship Managers, Virtual/Digital Branch, TM Sales and TM Operations, Client/Deposit Products, Payments and Deposit Operations to deliver secure, scalable, and profitable capabilities for commercial and retail clients.• Own the end-to-end deposit and TM operating model, including sales coverage, service delivery, risk controls, and operational performance.• Set funding and deposit growth priorities; partner with Finance/ALCO, Risk, and business leaders on strategy, pricing, and product roadmaps.• Build and coach high-performing teams across TM Sales, TM Operations, and Deposit Operations; establish clear KPIs, governance, and accountability.• Advance digital and virtual distribution strategies to improve client experience and drive efficient acquisition, onboarding, and servicing.• Ensure strong regulatory and operational risk management across deposits and payments, including policy, controls, and issue remediation.

Education

• Northwestern University

  School of Continuing Studies, Certified Treasury Professional Program

  2013 — 2014

• Elmhurst University

  BS, Finance

  2004 — 2008

• Fort Myers High School

  High School Diploma

  2000 — 2004

Skills

• Microsoft Excel
• Treasury Management
• Customer Service
• Banking
• Risk Management
• Portfolio Management
• Management
• Jack Henry
• Leadership
• Profitstars
• Enterprise Risk Management
• Analysis
• Microsoft Office
• Budgets
• Finance
• Financial Reporting
• Financial Analysis
• Internal Alco
• Liquidity Management
• Budget
• Sales Support Tools
• Accounting
• Commercial Lending