Cross River Bank Executive and Leadership Team

June, 2026

Leadership Overview

Cross River Bank has 10 executives leading key functions including strategy, finance, technology, and operations.

Driven by a commitment to innovation, Cross River Bank provides essential personal and corporate banking products, shaping the future of financial services with a robust leadership philosophy focused on integrity and client success.

Leadership Roles at Cross River Bank

  • President & Chief Executive Officer - Frank Goffreda
  • Chief Financial Officer - Karan Mehta
  • Chief Operating Officer, CRB Securities & Chief Compliance Officer - Christopher Kelm
  • Chief Information Officer - Michael Raff
  • Chief Technology Officer - Daniel Gabrieli
  • Chief of Staff - Anna Michel
  • Chief Human Resources Officer - Marc Miller
  • Senior Vice President, Chief of Staff and Head of Internal Audit Operations - Gina Holland
  • Global Chief People Officer - Bernard Garrigus
  • Global Chief People Officer - Bernard Garrigues
  • Frank Goffreda - President & Chief Executive Officer

    Frank Goffreda, the President & Chief Executive Officer at Cross River Bank, directs the overall strategic vision and operational execution for the financial institution. Overseeing all major business units, Goffreda ensures alignment with the company's mission to provide comprehensive personal and corporate banking solutions. This leadership role involves driving growth initiatives and maintaining the integrity of financial services offered to individuals and companies across New Jersey and beyond. By fostering a culture of innovation and client-centricity, Frank Goffreda solidifies Cross River Bank's position as a trusted financial partner. The President & Chief Executive Officer's purview extends to market expansion and the development of new product offerings that meet evolving client needs.

    Karan Mehta - Chief Financial Officer

    Karan Mehta, the Chief Financial Officer at Cross River Bank, manages the institution's financial health and strategic fiscal planning. Overseeing all financial operations, Mehta ensures robust capital management, accurate financial reporting, and compliance with regulatory standards. This critical role involves developing financial strategies that support the company's growth objectives and enhance its market competitiveness. By optimizing resource allocation and driving efficiency across departments, Karan Mehta directly impacts the bank's profitability and long-term sustainability. The Chief Financial Officer's responsibilities include managing investor relations and securing funding to support the expansion of personal and corporate banking services.
    Karan Mehta

    Christopher Kelm - Chief Operating Officer, CRB Securities & Chief Compliance Officer

    Christopher Kelm, the Chief Operating Officer, CRB Securities & Chief Compliance Officer at Cross River Bank, oversees the operational execution of securities activities and ensures adherence to all regulatory requirements. Managing the day-to-day operations of CRB Securities, Kelm drives efficiency and effectiveness in service delivery for clients. This dual role is critical for maintaining the bank's compliance framework and mitigating operational risks across its diverse financial offerings. By implementing robust compliance programs, Christopher Kelm upholds the highest standards of integrity and legal adherence. The Chief Operating Officer, CRB Securities & Chief Compliance Officer's responsibilities include developing and enforcing policies that govern all securities-related transactions.
    Christopher Kelm

    Michael Raff - Chief Information Officer

    Michael Raff, the Chief Information Officer at Cross River Bank, leads the technology infrastructure and digital transformation initiatives. Overseeing the bank's IT systems, Raff ensures the security, reliability, and scalability of all technological operations supporting personal and corporate banking services. This position is vital for implementing innovative solutions that enhance customer experience and operational efficiency. By driving the adoption of advanced technologies, Michael Raff strengthens the bank's competitive edge in the financial sector. The Chief Information Officer's strategic focus includes cybersecurity, data management, and the integration of new platforms to support Cross River Bank's evolving business needs.
    Michael Raff

    Daniel Gabrieli - Chief Technology Officer

    Daniel Gabrieli, the Chief Technology Officer at Cross River Bank, architects the technological roadmap and drives innovation in product development. Overseeing the engineering teams, Gabrieli ensures the delivery of cutting-edge technology solutions that underpin the bank's personal and corporate banking offerings. This role is central to developing and implementing robust software systems and digital platforms that enhance service delivery and operational effectiveness. By championing new technological advancements, Daniel Gabrieli positions Cross River Bank at the forefront of financial technology. The Chief Technology Officer's responsibilities include managing the technology stack and fostering a culture of continuous improvement within the engineering department.

    Anna Michel - Chief of Staff

    Anna Michel, the Chief of Staff at Cross River Bank, provides strategic support and operational coordination across executive functions. Overseeing key initiatives and special projects, Michel ensures seamless execution of the company's strategic objectives related to personal and corporate banking services. This role involves facilitating communication between departments and driving cross-functional collaboration to achieve organizational goals. By streamlining processes and managing critical workflows, Anna Michel enhances overall operational efficiency. The Chief of Staff's responsibilities include preparing executive briefings and ensuring alignment with the President & Chief Executive Officer's vision for the bank's future.

    Marc Miller - Chief Human Resources Officer

    Marc Miller, the Chief Human Resources Officer at Cross River Bank, leads the talent acquisition, development, and retention strategies. Overseeing all human resources functions, Miller ensures the bank cultivates a high-performing workforce capable of delivering exceptional personal and corporate banking services. This position is crucial for fostering a positive and productive work environment that aligns with the company's values. By implementing effective HR policies and programs, Marc Miller supports employee growth and organizational development. The Chief Human Resources Officer's focus includes talent management, compensation and benefits, and ensuring compliance with labor laws across all operations.

    Gina Holland - Senior Vice President, Chief of Staff and Head of Internal Audit Operations

    Gina Holland, the Senior Vice President, Chief of Staff and Head of Internal Audit Operations at Cross River Bank, directs the internal audit function and provides strategic operational support. Overseeing audit activities, Holland ensures the integrity and effectiveness of internal controls across all banking operations, including personal and corporate services. This role is pivotal in safeguarding the bank's assets and maintaining regulatory compliance. By leading rigorous audit processes, Gina Holland reinforces the bank's commitment to transparency and risk management. The Senior Vice President's responsibilities include developing audit plans and reporting findings to senior leadership and the board.

    Bernard Garrigus - Global Chief People Officer

    Bernard Garrigus, the Global Chief People Officer at Cross River Bank, shapes the global human capital strategy to support the bank's international growth and operational objectives. Overseeing talent management and organizational development worldwide, Garrigus ensures a cohesive and skilled workforce across all regions. This leadership position is essential for attracting and retaining top talent, fostering a strong corporate culture, and driving employee engagement. By implementing innovative people strategies, Bernard Garrigus enhances the bank's ability to deliver exceptional personal and corporate banking services globally. The Global Chief People Officer's focus includes developing leadership pipelines and promoting diversity and inclusion initiatives.

    Bernard Garrigues - Global Chief People Officer

    Bernard Garrigues, the Global Chief People Officer at Cross River Bank, directs the strategic implementation of human resources initiatives on a global scale. Overseeing workforce planning and talent development, Garrigues ensures that the bank's human capital aligns with its international expansion and service delivery goals for personal and corporate banking. This role is fundamental to building a robust organizational structure and fostering a culture of excellence worldwide. By championing employee well-being and professional growth, Bernard Garrigues contributes to Cross River Bank's sustained success. The Global Chief People Officer's responsibilities include managing global compensation structures and overseeing international HR compliance.
    Bernard Garrigues

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    Frequently Asked Questions Regarding Cross River Bank Top Executives and Leadership Team

    Who leads Cross River Bank?
    Cross River Bank is led by Frank Goffreda (President & Chief Executive Officer), along with executives such as Karan Mehta (Chief Financial Officer) and Christopher Kelm (Chief Operating Officer, CRB Securities & Chief Compliance Officer).
    Who is part of Cross River Bank’s executive team?
    The executive team of Cross River Bank includes leaders such as Frank Goffreda (President & Chief Executive Officer), Karan Mehta (Chief Financial Officer), Christopher Kelm (Chief Operating Officer, CRB Securities & Chief Compliance Officer) and other senior executives.
    How many executives does Cross River Bank have?
    Cross River Bank has 10 executives leading key business areas.
    What roles are included in Cross River Bank’s leadership team?
    The leadership team of Cross River Bank includes roles such as President & Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, CRB Securities & Chief Compliance Officer, Chief Information Officer, Chief Technology Officer.