Since 2015, Pierre Cardenas, MBA, NCCO, has been CEO of Capitol Credit Union, a $122-million credit union in Austin, Texas. With 30 years in the financial industry, Cardenas has held executive positions and his experience includes service-level, culture transformation programs; consumer, mortgage, indirect, and commercial programs; innovative remote delivery channels and retail branches; and compliance, operations, sales, and service. He started Innovators of Change in 2008 while serving as SVP of retail at a $540-million credit union. In 2010, he joined forces with Brett Christiansen and CU Lending Advice, specializing in innovative direct lending solutions in underwriting, sales, training, BPI, and loan portfolio management and evaluation.