Cross River Bank Executive and Leadership Team

May, 2026

Leadership Overview

Cross River Bank has 10 executives leading key functions including strategy, technology, finance, legal, 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 of Staff - Anna Michel
  • Chief Technology Officer - Daniel Gabrieli
  • Senior Vice President, Chief of Staff and Head of Internal Audit Operations - Gina Holland
  • Chief Human Resources Officer - Marc Miller
  • Global Chief People Officer - Bernard Garrigues
  • Chief Legal Officer, Executive VP & Corporate Secretary - Arlen Gelbard
  • Frank Goffreda - President & Chief Executive Officer

    Frank Goffreda, the President & Chief Executive Officer at Cross River Bank, directs the overarching strategy and operational execution for the financial institution. Goffreda guides the company's vision, ensuring alignment with market demands and regulatory landscapes. This leadership role involves fostering a culture of innovation and client-centricity across all departments. By overseeing strategic partnerships and business development initiatives, Frank Goffreda drives Cross River Bank's expansion and market penetration. The President & Chief Executive Officer's responsibilities extend to managing key stakeholder relationships and championing the company's mission to deliver exceptional banking solutions. This executive ensures the sustained growth and financial health of the organization through decisive leadership and forward-thinking planning.

    Karan Mehta - Chief Financial Officer

    Karan Mehta, the Chief Financial Officer at Cross River Bank, directs the financial strategy, planning, and reporting functions for the organization. Mehta oversees all fiscal operations, including budgeting, forecasting, treasury, and capital management, ensuring financial stability and compliance. This leadership position involves analyzing financial performance and identifying opportunities for revenue growth and cost optimization. By managing investor relations and securing funding, Karan Mehta plays a pivotal role in the bank's financial health and expansion. The Chief Financial Officer's responsibilities extend to risk management and ensuring adherence to all financial regulations. Mehta's strategic financial guidance is essential for Cross River Bank's sustained profitability and market competitiveness.
    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, directs critical operational and regulatory functions. Kelm oversees the day-to-day operations of CRB Securities, ensuring efficiency and strategic alignment with the bank's broader objectives. In the capacity of Chief Compliance Officer, Christopher Kelm is responsible for establishing and enforcing policies that ensure adherence to all relevant financial regulations and legal requirements. This executive role involves managing risk mitigation strategies and maintaining the integrity of the bank's compliance programs. By leading these vital areas, Kelm ensures operational excellence and robust regulatory adherence across the organization. Christopher Kelm's leadership is essential for navigating the complex financial landscape and upholding the bank's commitment to ethical practices.
    Christopher Kelm

    Michael Raff - Chief Information Officer

    Michael Raff, the Chief Information Officer at Cross River Bank, architects and executes the technology strategy that underpins the bank's operations and digital offerings. Raff oversees all aspects of information technology, including infrastructure, cybersecurity, and data management, ensuring robust and secure systems. This critical role involves evaluating and implementing cutting-edge technologies to enhance client services and internal efficiencies. By managing the IT department, Michael Raff ensures the bank's technological capabilities remain competitive and compliant with industry standards. The Chief Information Officer's focus is on driving digital transformation and maintaining the integrity of the bank's information assets. Raff's leadership ensures that Cross River Bank leverages technology effectively to meet evolving customer needs and business objectives.
    Michael Raff

    Anna Michel - Chief of Staff

    Anna Michel, the Chief of Staff at Cross River Bank, provides strategic support and operational oversight to the executive leadership team. Michel facilitates the execution of key initiatives, ensuring cross-functional alignment and efficient project management. This role involves streamlining communication channels and optimizing internal processes to enhance organizational effectiveness. By managing special projects and driving strategic priorities, Anna Michel directly contributes to the bank's growth objectives. The Chief of Staff's responsibilities include preparing executive briefings and coordinating board-level communications. Michel's influence extends to fostering a cohesive leadership environment and ensuring the seamless operation of the executive office, supporting the President & Chief Executive Officer's agenda.

    Daniel Gabrieli - Chief Technology Officer

    Daniel Gabrieli, the Chief Technology Officer at Cross River Bank, spearheads the development and implementation of innovative technological solutions that drive the bank's product and service offerings. Gabrieli leads the engineering teams responsible for building and scaling the bank's technology platforms, ensuring they are robust, secure, and efficient. This position involves defining the technical roadmap and overseeing the architecture of new systems. By managing the technology development lifecycle, Daniel Gabrieli ensures that Cross River Bank remains at the forefront of financial technology. The Chief Technology Officer's mandate includes fostering a culture of technical excellence and driving innovation in product development. Gabrieli's expertise is crucial for enhancing the bank's digital capabilities and delivering cutting-edge financial services to clients.

    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, leads critical functions that ensure operational integrity and strategic execution. Holland oversees the internal audit department, establishing robust frameworks for risk assessment and control testing across the organization. In the capacity of Chief of Staff, Gina Holland supports executive leadership by driving key projects and enhancing operational efficiency. This dual role requires meticulous attention to detail and a comprehensive understanding of banking operations and compliance. By managing internal audit operations, Holland safeguards the bank's assets and reputation. The strategic alignment of these functions under Gina Holland ensures that Cross River Bank maintains high standards of governance and operational excellence.

    Marc Miller - Chief Human Resources Officer

    Marc Miller, the Chief Human Resources Officer at Cross River Bank, shapes and executes the human capital strategy to support the bank's growth and objectives. Miller oversees all aspects of human resources, including talent acquisition, employee development, compensation, and benefits, fostering a high-performance culture. This executive role involves developing programs that attract, retain, and engage top talent within the financial services industry. By managing organizational design and employee relations, Marc Miller ensures a productive and compliant work environment. The Chief Human Resources Officer's focus is on aligning HR initiatives with the bank's strategic goals and promoting diversity and inclusion. Miller's leadership is instrumental in building a strong workforce that drives Cross River Bank's success.

    Bernard Garrigues - Global Chief People Officer

    Bernard Garrigues, the Global Chief People Officer at Cross River Bank, leads the comprehensive human resources strategy across the organization's international operations. Garrigues is responsible for cultivating a positive and productive global work environment, focusing on talent management, organizational development, and employee engagement. This role involves designing and implementing HR policies that support Cross River Bank's diverse workforce and business objectives worldwide. By overseeing global talent acquisition and retention initiatives, Bernard Garrigues ensures the bank attracts and keeps skilled professionals. The Global Chief People Officer's mandate includes fostering a culture of continuous learning and professional growth. Garrigues's strategic approach to people operations is vital for supporting the bank's international expansion and maintaining a cohesive global team.
    Bernard Garrigues
    Arlen Gelbard, the Chief Legal Officer, Executive VP & Corporate Secretary at Cross River Bank, provides strategic legal counsel and oversees all corporate governance matters. Gelbard directs the legal department, ensuring compliance with all applicable laws and regulations impacting the financial sector. This executive role involves managing legal risks, advising on corporate strategy, and overseeing all litigation and transactional legal work. By serving as Corporate Secretary, Arlen Gelbard ensures the proper functioning of the board of directors and adherence to corporate governance best practices. The Chief Legal Officer's responsibilities include safeguarding the bank's legal interests and upholding its ethical standards. Gelbard's expertise is critical for navigating complex legal frameworks and protecting Cross River Bank's interests.
    Arlen Gelbard

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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 of Staff.