About

The Team

Background

Co-Founder, CEO of AltaPacific Bank and AltaPacific Bancorp.
Set the firms' Risk and Data culture at inception using an internally developed ETL process to transform text-based core reporting for use with Excel in 2006, Advanced ETL Processor Enterprise and MS PowerPivot in 2009, Tableau in 2012 and MS PowerBI in 2016.
Promoted early adoption of Enhanced Risk Management processes in 2009, using Visual Studio, SQL Server, MS PowerPivot and Tableau to implement dynamic models for Stress Testing and CRE Concentrations.
Implemented Tableau Server hosted by AWS to deliver reports to C-Level end users. Later hosted SQL Server on MS Azure.
Supported enterprise migration to interactive Reports and Dashboards (Microsoft PowerBI), including daily, MTD, YTD data for use on desktops, laptops and tablets.
Pro Code expert, marrying traditional pen and paper processes to the Banks common data sources to improve efficiency and accuracy.
CEO of Business Bank of California (16 Branch franchise acquired by Union Bank) and AltaPacific Bank (6 Branch franchise acquired by Banner Bank).
As CEO, completed 3 bank acquisitions and 3 bank mergers. Headed up all conversion teams.
Insight: Financial Areas (General Ledger, Balance Sheet, Income Statement and Data Warehouse).

Background

Co-Founder of AltaPacific Bank and its founding CRO, CIO and CISO. Principal data model developer for Board and C-Level consumption at the Bank.
Led firm wide data modeling initiatives, resulting in migrating reporting from Excel formula-based models to in-memory applications using PowerPivot DAX, Tableau Measures and ultimately PowerBI M Code. Early adopter of PowerBI in 2016.
Using low code methods, the Bank’s end user experience changed from a static, legacy data environment to dynamic Dashboards where data was malleable and interactive with the users at multiple endpoints (iOS, cloud, etc.) and where available, providing a mixed reality / immersive report experience.
Worked in concert with the CEO to push the Bank’s data capabilities and literacy far ahead of industry peers, and well before regulatory model management guidance. Kept it in house.
Resolved the fundamental industry challenge of disorganized / unformatted core outputs to usable internal IT applications end use. Set the tone for Data as a Resource firm wide.
EVP, Chief Credit Officer and Chief Risk Officer at First National Bank of Marin (now known as CreditOne Bank).
Insight: Credit and Deposit Operations Areas

Background

Co-Founder of AltaPacific Bank and its founding CFO. Built a flexible and scalable G/L foundation from the ground up.
Certified Public Accountant and a member of the American Institute of Certified Public Accountants (AICPA) and the California Society of Certified Public Accountants (CALCPA).
Pro Code designer of all Bank financial metrics, and leveraged the power of Microsoft's database management systems to merge external data stored within multiple core applications including legacy text field reports.
Co-Developed forecasting tools to measure business strategies and focused financial reporting towards enhanced user experiences to enable the Board and Executives to see data that mattered.
Familiar with the requirements imposed by Auditing Firms and regulatory agencies, and point man for guidance in all financial matters with these parties with ever increasing expectations.
Comfortable with big data lakes and analytics, and focused on simplifying the task of maintaining data transparency in multiple jurisdictions.
Served as CFO for over 24 years at four financial institutions, of which two were SEC reporting companies.
Insight: G/L, Balance Sheet, Income Statment and Forecasting Areas.

About AltaPacifc Bank - Performance Marks / Key Takeaways

Profitable at Year 1 – Cash Basis / Profitable at Year 2 – GAAP Basis / Recovered all Pre-Opening and Initial Operating Expenses by Year 4.
One Loan Charge Off in 13 years (spanning across the Great Recession).
Starting in 2009, adopted ambitious data use strategies and proactively initiated Enhanced Risk Management Models and Dashboards based on the Federal Reserve Bank Supervisory Capital Assessment Guidance required for Systemically Important Banks.
Implemented the following software applications to automate reporting metrics: PowerPivot Data Models (2009), Tableau Dashboards (2010), AWS (2012), Microsoft Sharepoint (2014) and Microsoft PowerBI (2016).
Outsourced Core / In House Data Center / In House Data Warehouse / All Financial, Credit and Operational Dashboards developed internally (ownership and control of in-house business analytical service).
Today, it is universally acknowledged that these infrastructure initiatives offer substantial benefits to banks, their employees and ultimately, their customers

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