Tony Sciarrino is the Head of BMO Commercial Bank, U.S., where he is responsible for shaping the bank's commercial banking strategy, expanding client relationships, and overseeing the overall financial performance of the business. He leads nearly 3,000 team members dedicated to providing integrated financial solutions, including commercial lending, treasury and payment services, investment banking, real estate banking, mergers and acquisitions advisory, and capital markets support.

As a member of the BMO U.S. Management Committee, Tony plays a key role in driving the bank's growth and strategic direction. With more than three decades of banking experience, Tony has built an accomplished career leading commercial banking teams and driving market expansion. Before joining BMO, he held senior leadership roles at JPMorgan Chase and Bank of America Merrill Lynch, where he specialized in commercial banking, client acquisition, strategic debt, treasury, and capital markets solutions. He earned a Bachelor of Business Administration in Finance from the University of San Diego and completed the prestigious Harvard Business School Presidents Program for Leadership. Beyond his professional achievements, Tony is deeply involved in the business and nonprofit community.

He serves on the boards of several respected organizations, including the California Chamber of Commerce, YPO Los Angeles, and the LA Sports Council, and has previously held leadership roles with the Los Angeles Economic Development Corporation and the LA Chamber of Commerce. Recognized multiple times by the Los Angeles Business Journal as one of the LA500's most influential executives, Tony is widely respected for his leadership, commitment to business excellence, and dedication to strengthening the communities he serves.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.

Sylvia Pizarroso is a finance veteran with over 30 years of experience in commercial and business banking. Known for her expertise in business development, client relationship management, and risk mitigation, Sylvia has a strong background in credit analysis, cash management, and SBA lending. She has served as a trusted advisor to businesses of all sizes throughout her career. Sylvia holds a bachelor’s degree in business administration with a concentration in Finance.

In April 2024, Sylvia joined the OCIE Small Business Development Center (OCIE SBDC) as the Finance Center Director. She came to the SBDC after a distinguished 14-year tenure at JP Morgan Chase, where she held several leadership positions, most recently as Executive Director in their Commercial Banking division.

As Finance Center Director, Sylvia leads a team dedicated to providing critical financial support and guidance to small businesses. Her leadership extends to the community as demonstrated by her service as the 2022-2024 Board Chair of the Orange County Hispanic Chamber of Commerce.

Deeply committed to empowering Latino youth, Sylvia is actively involved in mentoring and community outreach. She serves as the Mentorship Program Advisor for the Orange County Hispanic Youth Chamber of Commerce and is a board member of the Orangewood Foundation, an organization supporting youth transitioning out of the foster care system.

An immigrant from La Paz, Bolivia, Sylvia's personal journey embodies the American dream. Her drive and dedication have fueled her success, and she is passionate about helping others achieve their professional and personal dreams. Sylvia is married and has two children, Michelle and Luke.

-- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.

Mor Milo is the CEO and Founder of Relli, a pioneering platform building "The Stock Market of Real Estate." Relli is a Passive Real Estate Investing Marketplace. It helps Commercial Real Estate Sponsors generate Accredited Investor leads for real estate syndications and funds through engaging its community and performance marketing.

Mor Milo brings a unique perspective shaped by his immigrant family's real estate investment journey and his experience as a retail investor in stocks and cryptocurrencies. Frustrated by the lack of similar flexibility and selection in real estate investing, Milo and co-founder Ross Iannarelli spent 18 months researching the market before launching Relli. Their approach combines deep customer discovery—interviewing operators, investors, builders, lenders, and flippers—with transparent execution and iterative product development.

Before founding Relli, Milo and Iannarelli built multiple startups, hosted a business education podcast requiring them to read 52 books annually, and developed expertise in go-to-market strategy and corporate sales systems. This operational foundation informs Relli's expanded service offerings, which now include CRM buildouts, automated sales cadences, videography services, and messaging strategy for real estate operators unprepared for the leads they receive.

Mor brings extensive expertise in finance, HR, business administration, operations, leadership, sales, strategic partnerships, and startup development to his role.

Outside of Relli, Mor dedicates his time to various philanthropic efforts. He leads a men's group, volunteers as a coach with a transformational personal development training school, and supports non-profits such as Elephant Cooperation, Fish for Life, and many more.

-- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.