A BOLI/ICOLI/Executive Benefits Consultant with The Todd Organization, Hayes Holderness is a benefits funding expert. His primary focus involves marketing of BOLI/ICOLI for existing liabilities, as well as in conjunction with financing new benefit plans for senior executives and board members. Hayes has more than 24 years of experience in providing creative and innovative benefits and insurance solutions for banks and financial institutions.

He has been a featured speaker on BOLI/COLI and executive benefit plans at numerous industry meetings and state educational forums, as well as a featured author in various professional publications, including American Banker, CFO Magazine, Plan Sponsor, and Financial Planning.

Hayes served on the Executive Committee of The Todd Organization from 2007-2009, and was an officer with The First National Bank of Atlanta before joining Todd. He is a member of various industry groups, including the Association for Advanced Life Underwriting (AALU) and the North Carolina Bankers Association. Hayes is a distinguished graduate of the University of North Carolina, Chapel Hill.