In 1983, after holding positions in product and retail management, Bob founded Bank Strategy Group, a consulting firm providing software and services to regional and community banks and credit unions in the US and Canada. After building the firm over 18 years, it was purchased by Sheshunoff Management Services, and Bob joined Sheshunoff as Managing Director, where he led the Revenue Enhancement practice.

Bob Giltner co-founded Furnace, Giltner and Associates in 2005 along with David Furnace. The marketing and data services firm focused on driving debit related revenue in the financial industry. In 2008, the firm was acquired by Velocity Solutions. Bob has taught at the Sheshunoff CEO Affiliation Program, the Prochnow Graduate School of Banking, and has been a frequent speaker for the ABA, BMA, BAI and at many other conferences. He has published numerous articles in BAI Banking Strategies, Commercial Lending Review, Bank Cost Accounting, Bank Accounting and Finance, and Bank Compliance Management. He co-authored the American Banker Association publication, Overdraft Protection: A Guide for Bankers, and provided testimony for the U.S. House Committee on Financial Services.

As a volunteer, Bob has served as Chairman of Hubbard Press, a non-profit printing arm of the Presbyterian Church USA, on the Committee of Support Services of the Presbyterian Church USA, President of the Shelby County Community Theater, Treasurer of the Kentucky Chapter of the American Diabetes Association, and member of Third Century of Louisville, the Alumni Board of Centre College, Leadership Shelby and the United Way.

Bob holds a BA in Economics from Centre College, and an MBA from the University of Virginia. He resides in Simpsonville, KY with his wife, a daughter, and two sons. He enjoys golf, tennis, and has a rare book collection dating 1750 to 1850.