InCharge Institute Board of Trustees

Richard Anderson, Ph.D.

Dr. Richard Anderson has extensive experience working with Congress, federal agencies, the executive branch, and numerous state legislatures. For many years he has been an instrumental leader in positively affecting national and state legislation, and is a respected advocate on energy, environmental, and tax issues. Dr. Anderson served as Director of Government Affairs for a major environmental company from 1987 to 1998. Previous to that he was an assistant professor at Boston University, where he created graduate degree programs, taught graduate classes in planning, computer applications, and environmental health. He is the author of 22 published articles and co-author of 2 textbooks, and he has contributed chapters in 3 books.

Dr. Anderson earned his Ph.D. and master’s degree in City and Regional Planning from Rutgers University, and received dual bachelor’s degrees in English and Urban Studies from Livingston College.

Ralph Betancourt

With nearly 25 years of commercial banking experience, Ralph Betancourt is a banking veteran in the Central Florida area. As the Market President of Florida Bank of Commerce in Orlando, Ralph is responsible for managing the bank’s Commercial Banking team. Florida Bank of Commerce is one of the largest Orlando-based community banks with $227 million in assets and 6 offices throughout Central Florida. Prior to joining Florida Bank of Commerce, Ralph was Senior Vice President at BB&T, Senior Vice President & Commercial Bank Executive of Florida Capital Bank and held several positions over 17 years with First Union and Wachovia Bank.

Ralph is currently Chairman of the Board of Hope Helps Inc. which is a not-for-profit organization working to prevent and reduce homelessness in Central Florida by equipping individuals and families to become self-sufficient through housing, outreach, prevention and education. Ralph also serves as the Finance Committee Chairman and Stewardship Committee Chairman of First United Methodist Church of Oviedo.

Ralph earned his B.S. in Finance at the University of Florida and currently lives in Winter Springs, Florida with his wife Kristen and two daughters Lauren and Sydney. He enjoys golf, biking and family vacations.

Bob Gall

Bob Gall is a sales and marketing executive with over 30 years of experience in; the organization and leadership of teams primarily responsible for generating revenues, the management of large operational units, and the conduct and application of business analysis­­.

From 1996 until retirement in 2009 Bob held several executive positions within the Disney Parks and Resorts organization. These included:

Executive responsible for Sales Development and Administration for the group and convention division, including marketing for groups and conventions, and the Disney Institute.

Executive leader of Product Development (travel and vacation products) which created all Disney-related resort travel packages for sale through all sales channels, and theme park admission programs for special markets and travel re-sellers.

Executive leader of the Walt Disney World Central Reservations office (all resort room and dining reservations), including the Walt Disney Travel Company. The Walt Disney Travel Company sells all-inclusive vacation packages to Walt Disney World, Orlando that includes both the Disney Resorts and many hotels in the area surrounding Walt Disney World.

From 1976 to 1995 Bob held a variety of sales and marketing related positions with Amtrak, the National Railroad Passenger Corporation. These included:

Executive roles responsible for the Corporation’s revenue generation, and marketing and sales operations, including the operation of Amtrak’s reservations centers. These functions produced annual operating revenues of approximately $1 billion with annual operating expenses of $119 million, including an advertising and sales promotion budget of $40 million.

Staff roles responsible for the Corporation’s marketing research, planning and forecasting.

From 1971 to 1975 Bob held several positions with the Illinois Central Gulf Railroad. He began his corporate career there as a sales account manager. He progressed through several staff positions culminating with responsibility for the Railroad’s sales forecasting and capacity estimation.

Prior to 1971 Bob worked in family-owned businesses (fast food restaurants and a new car automobile dealership) performing jobs ranging from waiter and short order cook to business manager.

Bob was educated at Loyola University, New Orleans earning a Bachelor of Business Administration (major: accounting) in 1967 and a Master of Business Administration in 1970. There he was also enrolled in the Army’s ROTC program, being commissioned on graduation and resigning as a 1st Lieutenant after fulfilling his duty commitment.

Bob is married and has three children.

Florence Watford

Florence Watford has been a Trustee since April 2007.

Florence “Flo” Watford currently works for Frederick Memorial Hospital as a Human Resources Business Partner. Flo provides HR expertise to all levels of employees regarding staffing, recruiting, employee relations, benefits, and compensation. She recently transitioned to Frederick Memorial Hospital Corporation after working with M&T Bank for the past eleven years as the VP of Human Resources.

Ms. Watford previously worked in Human Resource for InCharge Institute of America, Inc., based in Columbia, Maryland. She remained with the company until the headquarters was relocated to Orlando, Florida, in 2002.

Prior to joining InCharge, Ms. Watford spent several years in HR in the banking industry focusing on all areas of human resources management.

She received her B.S. in Business Education from Fayetteville State University in Fayetteville, North Carolina. Additionally, she has provided training to managers on a wide variety of human resources laws and policies. The training she provides includes human resources guidelines, managing performance and effective interviewing.

Ms. Watford is a member of the Society for Human Resources Management and The Howard County Human Resources Association. She also serves as a Secretary on the Executive Board for Randallstown Elementary School PTA.