Cross River Bank Executive and Leadership Team

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 robust 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. Frank Goffreda's strategic direction guides the bank's expansion and its commitment to delivering exceptional client experiences. The President & Chief Executive Officer champions innovation in banking products, including checking, savings, and personal loans, solidifying Cross River Bank's market position.

Christopher Kelm, the Chief Operating Officer, CRB Securities & Chief Compliance Officer at Cross River Bank, manages operational execution and ensures adherence to regulatory standards. Kelm oversees the day-to-day operations of CRB Securities and directs the bank's comprehensive compliance framework, safeguarding client interests and institutional integrity. Leading both operational efficiency and regulatory adherence, the Chief Operating Officer, CRB Securities & Chief Compliance Officer ensures that all activities, from personal loans to corporate banking, meet stringent legal and ethical requirements. Christopher Kelm's dual role is critical for maintaining operational excellence and robust compliance across the organization. This leadership ensures Cross River Bank operates with the highest standards.

Erica Willems, the Chief Operating Officer - CRB Securities LLC at Cross River Bank, directs the operational strategy and execution for the securities division. Willems ensures the seamless delivery of services within CRB Securities, supporting the bank's broader financial product offerings. Overseeing operational workflows and efficiency, the Chief Operating Officer - CRB Securities LLC drives performance and client satisfaction within the securities arm. Erica Willems' leadership is key to optimizing the operational capabilities of CRB Securities, contributing to Cross River Bank's overall success in the financial market. This role focuses on enhancing service delivery and operational excellence.

Daniel Gabrieli, the Chief Technology Officer at Cross River Bank, architects the technological infrastructure supporting all banking operations. Gabrieli drives the development and implementation of innovative digital solutions that enhance personal and corporate banking services, including checking and savings accounts. Overseeing the technology roadmap, the Chief Technology Officer ensures the bank's systems are secure, scalable, and efficient, directly impacting the delivery of personal loans and other financial products. Daniel Gabrieli's leadership ensures Cross River Bank remains at the forefront of financial technology, providing seamless and reliable services to its clientele. This role is critical for maintaining operational excellence and fostering technological advancements within the finance sector.

Anna Michel, the Chief of Staff at Cross River Bank, facilitates strategic initiatives and operational efficiency across the organization. Michel coordinates key projects and ensures seamless communication between executive leadership and various departments, supporting the delivery of personal and corporate banking products. Overseeing special assignments, the Chief of Staff acts as a central point for critical organizational tasks, enhancing the bank's ability to offer checking, savings, and personal loans effectively. Anna Michel's role is pivotal in driving Cross River Bank's strategic objectives and maintaining high standards of operational performance. This position ensures that executive priorities are translated into actionable plans, supporting the bank's mission in New Jersey.

Michael Raff, the Chief Information Officer at Cross River Bank, manages the bank's information systems and data security protocols. Raff oversees the technology infrastructure that supports all banking services, including checking, savings, and personal loans, ensuring robust data protection and system reliability. Directing IT operations, the Chief Information Officer guarantees that information systems align with regulatory requirements and business objectives, safeguarding client data. Michael Raff's expertise is crucial for maintaining the integrity and security of Cross River Bank's digital assets and operational platforms. This leadership ensures the bank's technological foundation supports its growth and commitment to secure financial services.

Joel McCormick, the Executive Vice President & Chief Technology Officer at Cross River Bank, spearheads technological innovation and infrastructure development. McCormick leads the charge in advancing the bank's digital capabilities, enhancing the delivery of personal and corporate banking products and services. Overseeing the strategic direction of technology, the Executive Vice President & Chief Technology Officer ensures that Cross River Bank's systems are cutting-edge, secure, and capable of supporting a wide range of financial offerings, including checking, savings, and personal loans. Joel McCormick's role is vital in maintaining the bank's competitive edge through superior technological solutions. This leadership drives the evolution of banking technology to meet client needs.

Gina Holland, the Senior Vice President, Chief of Staff and Head of Internal Audit Operations at Cross River Bank, directs critical internal control functions and strategic project management. Holland ensures operational integrity and compliance across all banking activities, including personal and corporate services. Leading internal audit, the Senior Vice President, Chief of Staff and Head of Internal Audit Operations provides assurance on the effectiveness of risk management and governance processes. Gina Holland's oversight is essential for maintaining Cross River Bank's reputation and adherence to financial regulations. This role supports the bank's commitment to sound business practices and robust operational frameworks.

Marc Miller, the Chief Human Resources Officer at Cross River Bank, shapes the organization's talent strategy and cultivates a high-performance culture. Miller oversees all human resources functions, ensuring the bank attracts, develops, and retains top talent to support its mission of providing comprehensive banking services. Directing workforce planning and employee engagement, the Chief Human Resources Officer aligns HR initiatives with Cross River Bank's strategic goals. Marc Miller's leadership is instrumental in building a skilled and motivated team capable of delivering exceptional personal and corporate banking solutions. This role fosters an environment conducive to innovation and employee growth.

Bernard Garrigues, the Global Chief People Officer at Cross River Bank, leads the strategic development and implementation of global human capital initiatives. Garrigues is responsible for fostering a positive and productive work environment that supports the bank's mission and growth objectives. Directing talent management, employee relations, and organizational development, the Global Chief People Officer ensures Cross River Bank attracts and retains a diverse and skilled workforce. Bernard Garrigues' expertise is vital in aligning people strategies with the bank's global operational needs and commitment to its employees. This leadership role cultivates a culture of excellence and continuous improvement across the organization.