Financial Institutions Executive and Leadership Team

Bette McCartney, the Chief Financial Officer at Financial Institutions, manages the capital structure and financial reporting for the holding company. Overseeing the fiscal health of the organization, the Chief Financial Officer monitors liquidity, investment performance, and regulatory compliance across all subsidiaries, including Courier Capital, LLC. This leadership role involves providing strategic financial guidance to the Board to support sustainable growth and shareholder value. By analyzing market trends and optimizing the balance sheet, Bette McCartney directly influences the company's ability to invest in digital banking capabilities and BaaS initiatives. The Chief Financial Officer also maintains rigorous oversight of financial risk management frameworks to ensure stability during economic fluctuations. Through precise capital allocation and transparent financial communication, McCartney secures the financial integrity required to support the company's extensive network of consumer, business, and institutional clients across the Mid-Atlantic and New York regions.

Richard Simpson, the Chief Operating Officer at Financial Institutions, directs the internal scaling and operational efficiency of the banking network. Overseeing the daily execution of consumer and commercial banking services, the Chief Operating Officer ensures that Five Star Bank maintains high performance standards across Western and Central New York. This leadership role involves optimizing internal workflows to support the broader mission of community-oriented financial services. By streamlining administrative processes and enhancing service delivery models, Richard Simpson directly impacts the operational capacity of the organization. The Chief Operating Officer also coordinates with other executive leaders to align internal resources with the company's long-term growth objectives. Through rigorous oversight of branch operations and support functions, Simpson secures the operational foundation necessary for the company to provide consistent value to customers, municipalities, and business partners throughout the diverse regional footprint.

Ang Yullius, the Chief Operating Officer & Director at Financial Institutions, governs the strategic supply chain logistics and institutional partnerships that define the company's market reach. Overseeing the expansion of commercial loan production offices in the Baltimore and Washington, D.C. region, the Chief Operating Officer & Director ensures that operational strategies align with the company's long-term corporate governance standards. This leadership role involves managing complex relationships with institutional clients and retirement plans to drive revenue growth. By focusing on the logistical integration of new market entries, Ang Yullius directly impacts the company's ability to scale its commercial lending footprint. The Chief Operating Officer & Director also provides critical oversight on the Board to ensure that operational decisions remain consistent with the company's HEART values. Through meticulous management of regional expansion efforts, Yullius secures the company's influence within the competitive Mid-Atlantic financial landscape.

Ashley Harmon, the Chief Information Officer at Financial Institutions, architects the digital infrastructure and technology strategy for the entire enterprise. Overseeing the integration of advanced banking platforms, the Chief Information Officer drives the digital investments necessary to support Banking-as-a-Service offerings for fintech and non-bank financial customers. This leadership role involves securing sensitive data assets and ensuring the reliability of digital channels across the company's operational geography. By modernizing core banking systems and implementing scalable cloud solutions, Ashley Harmon directly impacts the efficiency of customer-facing services. The Chief Information Officer also collaborates with other C-suite leaders to align technological roadmaps with the company's broader mission of innovation. Through the continuous enhancement of cybersecurity protocols and digital service delivery, Harmon secures the technological competitive advantage required to maintain the company's position as a leader in community-oriented financial services.