Happen Bank Executive and Leadership Team

Julie Yin, the Chief Financial Officer at Happen Bank, directs all corporate fiscal planning and capital allocation strategies. Overseeing the balance sheet and long-term investment portfolio, the Chief Financial Officer ensures the institution maintains robust liquidity to support digital banking growth. This leadership role involves constant collaboration with the Board to optimize capital structures and drive sustainable profitability. By analyzing market trends and internal performance metrics, Julie Yin directly impacts the financial health of the organization. Through rigorous oversight of accounting standards and regulatory reporting, the Chief Financial Officer secures the fiscal integrity of the platform. Yin manages the broader financial roadmap, ensuring that all consumer-facing products align with the overarching goal of providing accessible, data-driven financial services to a diverse user base across the United States.

Sam Hudson, the Senior Vice President, Chief Financial Officer - Consumer Banking at Happen Bank, manages the specific financial performance of all consumer-facing credit and savings products. Overseeing the profitability of individual loan portfolios, the Senior Vice President, Chief Financial Officer - Consumer Banking ensures that pricing models remain competitive while maintaining healthy margins. This leadership role involves deep integration with product teams to refine the digital banking experience for retail customers. By monitoring consumer behavior and credit utilization patterns, Sam Hudson directly impacts the efficiency of the lending platform. Through strategic forecasting of retail deposit growth, the Senior Vice President, Chief Financial Officer - Consumer Banking supports the expansion of the bank's market reach. Hudson drives the financial success of consumer initiatives, ensuring that every product offering contributes to the mission of improving individual financial outcomes.

Steven Mattics, the Chief Lending Officer at Happen Bank, architects the end-to-end credit underwriting and loan origination processes. Overseeing the deployment of data-driven lending algorithms, the Chief Lending Officer ensures that credit products remain accessible to qualified individuals while minimizing default exposure. This leadership role involves constant refinement of the digital application funnel to improve conversion rates and user satisfaction. By leveraging advanced analytics to assess borrower risk, Steven Mattics directly impacts the quality of the loan portfolio. Through the management of credit policy and loan servicing operations, the Chief Lending Officer maintains the bank's reputation for responsible lending. Mattics drives the strategic growth of the credit business, ensuring that all lending activities align with the broader objective of providing reliable financial tools to customers across the national market.

Tina Wilson, the Chief People Officer at Happen Bank, directs all talent acquisition, organizational development, and employee engagement initiatives. Overseeing the cultivation of a high-performance culture, the Chief People Officer ensures that the workforce possesses the technical expertise required to maintain a cutting-edge digital banking platform. This leadership role involves aligning human capital strategies with the bank's mission of delivering customer-centric financial tools. By implementing professional development programs and inclusive hiring practices, Tina Wilson directly impacts the operational capacity of the organization. Through the management of compensation structures and internal communications, the Chief People Officer fosters an environment conducive to innovation and long-term retention. Wilson drives the evolution of the company's internal structure, ensuring that the team remains agile and capable of supporting the bank's rapid growth in the competitive financial services sector.

Dov Haselkorn, the Chief Risk Officer at Happen Bank, architects the comprehensive risk management framework and compliance protocols. Overseeing the identification and mitigation of operational, credit, and cybersecurity threats, the Chief Risk Officer ensures the security of the digital banking platform. This leadership role involves constant interaction with regulatory bodies to maintain adherence to evolving financial standards. By implementing robust monitoring systems and stress-testing models, Dov Haselkorn directly impacts the stability of the institution. Through the oversight of internal audit functions and fraud prevention strategies, the Chief Risk Officer protects the assets of both the bank and its customers. Haselkorn drives the risk-aware culture of the organization, ensuring that all strategic initiatives are balanced against potential vulnerabilities while maintaining the bank's commitment to providing safe and reliable financial services.

Jordan Cheng, the General Counsel & Corporate Secretary at Happen Bank, directs all legal affairs, corporate governance, and regulatory compliance matters. Overseeing the legal strategy for product launches and partnership agreements, the General Counsel & Corporate Secretary ensures that all business activities align with federal and state banking laws. This leadership role involves managing the relationship with the Board of Directors and maintaining accurate corporate records. By providing counsel on complex legal issues and contract negotiations, Jordan Cheng directly impacts the strategic direction of the bank. Through the management of litigation risks and regulatory inquiries, the General Counsel & Corporate Secretary safeguards the institution's legal standing. Cheng drives the governance framework of the company, ensuring that all operations remain transparent and compliant while supporting the bank's mission to deliver innovative financial solutions to the public.