In 2005, Mark Garfield joined Zions Bank to oversee its International Banking Division. He has expertise in trade finance, foreign exchange, international payment systems and correspondent banking. He specializes in the U.S. Small Business Administration, Department of Agriculture, and Export-Import Bank programs that support foreign sales. He serves as the chair of the Utah District Export Council and is on the board of BAFT, the leading international banking association. He holds a bachelor’s degree in international business from the University of Colorado.