Cross River Bank Executive and Leadership Team

Frank Goffreda, the President & Chief Executive Officer at Cross River Bank, directs the overarching strategic vision and corporate growth initiatives. Overseeing the entire financial institution, the President & Chief Executive Officer ensures alignment between personal banking services and corporate lending objectives. This leadership role involves navigating complex regulatory environments while expanding the market reach of the bank across the United States. By fostering a culture of innovation, Frank Goffreda drives the development of scalable financial products that meet the evolving needs of modern consumers. The President & Chief Executive Officer maintains constant communication with the Board to ensure long-term stability and profitability. Through rigorous oversight of all banking operations, Goffreda secures the competitive position of the firm within the financial services sector, ultimately delivering consistent value to stakeholders and clients alike.

Erica Willems, the Chief Operating Officer - CRB Securities LLC at Cross River Bank, manages the operational workflows specific to the securities division. Overseeing the daily execution of investment-related banking services, the Chief Operating Officer - CRB Securities LLC ensures that all processes meet strict regulatory and internal quality standards. This role involves coordinating with the broader bank leadership to align securities operations with the overall financial goals of the institution. By optimizing transaction processing and client service protocols, Erica Willems enhances the operational performance of the division. The Chief Operating Officer - CRB Securities LLC monitors key performance indicators to identify areas for process improvement and risk mitigation. Through the effective management of resources and personnel, Willems ensures that the securities arm of the bank operates with maximum efficiency, contributing to the overall success and market reputation of the firm.

Christopher Kelm, the Chief Operating Officer, CRB Securities & Chief Compliance Officer at Cross River Bank, oversees the regulatory compliance framework and operational integrity of the securities division. Managing the adherence to federal and state financial laws, the Chief Operating Officer, CRB Securities & Chief Compliance Officer ensures that all banking products and services meet legal requirements. This role involves developing comprehensive compliance programs that mitigate risk across the organization. By monitoring market activities, Christopher Kelm identifies potential regulatory challenges and implements proactive solutions. The Chief Operating Officer, CRB Securities & Chief Compliance Officer works with the legal team to ensure that all business practices remain ethical and transparent. Through the continuous evaluation of compliance policies, Kelm protects the reputation of the bank, ensuring that all operations support sustainable growth while maintaining the highest standards of financial conduct.

Anna Michel, the Chief of Staff at Cross River Bank, coordinates executive workflows and optimizes internal communication channels. Managing the daily operations of the executive office, the Chief of Staff ensures that strategic priorities receive immediate attention from leadership. This role involves facilitating cross-departmental collaboration to streamline the delivery of checking, savings, and personal loan products. By managing high-level projects, Anna Michel directly supports the execution of corporate goals and enhances organizational efficiency. The Chief of Staff acts as a primary liaison between the executive team and various business units, ensuring that operational directives remain consistent with the mission of the bank. Through meticulous planning and resource allocation, Michel enables the leadership team to focus on long-term growth and market expansion, effectively bridging the gap between high-level strategy and daily execution.

Daniel Gabrieli, the Chief Technology Officer at Cross River Bank, architects the digital infrastructure required to support modern banking services. Overseeing the development of proprietary software platforms, the Chief Technology Officer ensures that all personal and corporate banking products remain secure and accessible. This role involves integrating advanced financial technologies to improve user experiences across digital channels. By driving the adoption of scalable cloud solutions, Daniel Gabrieli enhances the operational agility of the bank. The Chief Technology Officer collaborates with other C-suite leaders to align technical roadmaps with the broader business strategy of the firm. Through the implementation of robust cybersecurity protocols, Gabrieli protects sensitive financial data while maintaining high system availability. This leadership position focuses on leveraging technology to maintain a competitive edge in the rapidly evolving financial services landscape.

Michael Raff, the Chief Information Officer at Cross River Bank, manages the enterprise data strategy and information systems that underpin all banking operations. Overseeing the integrity and availability of critical financial data, the Chief Information Officer ensures that internal systems support the delivery of checking, savings, and loan products. This role involves optimizing data architecture to facilitate real-time decision-making across the organization. By implementing advanced analytics tools, Michael Raff enables the bank to gain actionable insights into customer behavior and market trends. The Chief Information Officer works closely with the technology team to ensure that information systems remain compliant with industry standards and regulatory requirements. Through the continuous improvement of data governance frameworks, Raff supports the overall efficiency of the bank, ensuring that information flows seamlessly to support business growth and operational stability.

Joel McCormick, the Executive Vice President & Chief Technology Officer at Cross River Bank, leads the strategic implementation of emerging technologies to enhance corporate banking capabilities. Overseeing large-scale digital transformation projects, the Executive Vice President & Chief Technology Officer ensures that the bank remains at the forefront of financial innovation. This role involves evaluating new software solutions that improve the efficiency of personal loan processing and corporate account management. By directing the engineering teams, Joel McCormick fosters a culture of rapid development and technical excellence. The Executive Vice President & Chief Technology Officer collaborates with the broader leadership team to integrate new tools into the existing banking ecosystem. Through the deployment of cutting-edge infrastructure, McCormick supports the expansion of the bank into new markets, ensuring that technical capabilities always align with the long-term strategic objectives of the firm.

Gina Holland, the Senior Vice President, Chief of Staff and Head of Internal Audit Operations at Cross River Bank, directs the internal audit functions and executive administrative operations. Overseeing the assessment of risk management frameworks, the Senior Vice President, Chief of Staff and Head of Internal Audit Operations ensures that all banking activities adhere to compliance standards. This role involves conducting thorough audits of financial products and operational procedures to identify potential vulnerabilities. By managing the audit team, Gina Holland provides the Board with objective insights into the health of the organization. The Senior Vice President, Chief of Staff and Head of Internal Audit Operations also coordinates executive initiatives to ensure that audit findings lead to meaningful process improvements. Through rigorous oversight and systematic review, Holland maintains the integrity of the bank, ensuring that all operations remain transparent and aligned with corporate governance policies.

Marc Miller, the Chief Human Resources Officer at Cross River Bank, directs the talent acquisition and organizational development strategies. Overseeing the recruitment of top-tier financial professionals, the Chief Human Resources Officer ensures that the workforce possesses the skills necessary to support the growth of the bank. This role involves designing performance management systems that incentivize excellence and professional development. By fostering an inclusive corporate culture, Marc Miller enhances employee engagement and retention across all departments. The Chief Human Resources Officer collaborates with the executive team to align human capital strategies with the broader business objectives of the firm. Through the implementation of competitive compensation and benefits programs, Miller attracts and retains the talent required to maintain the market position of the bank. This leadership position focuses on building a high-performing organization that supports the long-term success of the institution.

Bernard Garrigues, the Global Chief People Officer at Cross River Bank, manages the international human capital strategy and organizational design. Overseeing the development of global workforce policies, the Global Chief People Officer ensures that the bank maintains a consistent culture across all regional operations. This role involves implementing leadership development programs that prepare the next generation of managers for future challenges. By focusing on employee well-being and professional growth, Bernard Garrigues drives organizational productivity and innovation. The Global Chief People Officer works with the executive team to ensure that human resources initiatives support the global expansion of the bank. Through the strategic alignment of people-focused programs with business goals, Garrigues ensures that the workforce remains agile and capable of meeting the demands of the competitive financial services market, ultimately contributing to the overall success of the firm.