MIDFLORIDA Executive and Leadership Team

July, 2026

Leadership Overview

MIDFLORIDA has 6 executives leading key functions including strategy, finance, technology, administration, and market development.

Driven by a commitment to member success, MIDFLORIDA delivers personalized financial solutions, making banking simple, secure, and convenient while upholding the credit union philosophy of excellent, individualized service.

Leadership Roles at MIDFLORIDA

  • Chief Executive Officer - Steve Moseley
  • Chairman & Chief Executive Officer - Ray Colado
  • Executive Vice President & Chief Financial Officer - Zelda Abram
  • President, Central Florida Market (North) - Jeffrey Baker
  • Chief Information Officer - Tim Lysak
  • Chief Administrative Officer - Gayle OBrien
  • Steve Moseley - Chief Executive Officer

    Steve Moseley, the Chief Executive Officer at MIDFLORIDA, directs the overall strategic vision and operational execution for the credit union. Moseley's leadership ensures the organization consistently delivers personalized financial solutions, aligning with the core mission of making banking simple, secure, and convenient for all members. This executive guides the company's long-term growth trajectory, focusing on innovation and member satisfaction. Overseeing all major departments, Moseley drives the strategic initiatives that maintain MIDFLORIDA's commitment to excellent, individualized service, a philosophy upheld since the credit union's inception. The Chief Executive Officer's role involves fostering a culture of integrity and member-centricity across the entire organization, ensuring robust financial performance and sustained market relevance. By championing forward-thinking strategies, Steve Moseley solidifies MIDFLORIDA's position as a trusted financial partner.

    Ray Colado - Chairman & Chief Executive Officer

    Ray Colado, the Chairman & Chief Executive Officer at MIDFLORIDA, provides overarching leadership and strategic direction for the credit union's governance and executive operations. Colado's dual role ensures a cohesive approach to both board oversight and the execution of the company's mission to deliver personalized financial solutions. This executive champions the credit union philosophy of excellent, individualized service, guiding MIDFLORIDA in its commitment to making banking simple, secure, and convenient for its members. The Chairman & Chief Executive Officer's responsibilities include setting the strategic agenda, fostering strong relationships with stakeholders, and ensuring the long-term financial health and stability of the organization. By leading with a focus on member value and operational excellence, Ray Colado drives the credit union's continued success and expansion within the financial services landscape. Colado's leadership ensures adherence to the highest standards of corporate governance and ethical practice.

    Zelda Abram - Executive Vice President & Chief Financial Officer

    Zelda Abram, the Executive Vice President & Chief Financial Officer at MIDFLORIDA, directs the financial strategy and fiscal operations of the credit union. Abram oversees all aspects of financial planning, budgeting, accounting, and investment management, ensuring the organization's financial stability and profitability. This executive plays a crucial role in maintaining MIDFLORIDA's capacity to deliver personalized financial solutions by managing capital resources effectively and optimizing financial performance. The Executive Vice President & Chief Financial Officer's responsibilities include financial reporting, risk management, and ensuring compliance with all relevant financial regulations. By providing critical financial insights and guidance, Zelda Abram supports the executive team's decision-making processes and upholds the credit union's commitment to sound financial stewardship. Abram's leadership ensures the long-term economic health necessary to serve members effectively.
    Zelda Abram

    Jeffrey Baker - President, Central Florida Market (North)

    Jeffrey Baker, the President, Central Florida Market (North) at MIDFLORIDA, spearheads market-specific growth strategies and member engagement initiatives within the designated region. Baker directs the development and execution of localized business plans, ensuring alignment with the credit union's overarching commitment to personalized financial solutions and convenient banking. This executive is responsible for cultivating strong relationships with members and community stakeholders across North Central Florida, reinforcing MIDFLORIDA's presence and reputation. The President, Central Florida Market (North)'s role involves leading regional teams, driving sales performance, and ensuring the delivery of exceptional service standards. By focusing on the unique needs of the Central Florida market, Jeffrey Baker enhances member satisfaction and expands the credit union's reach. Baker's leadership ensures localized operational excellence and market penetration.
    Jeffrey Baker

    Tim Lysak - Chief Information Officer

    Tim Lysak, the Chief Information Officer at MIDFLORIDA, architects and oversees the technology infrastructure essential for delivering simple, secure, and convenient banking solutions. Lysak drives the digital transformation initiatives that enhance member experience and operational efficiency, ensuring MIDFLORIDA remains at the forefront of financial technology. This executive manages all aspects of information systems, cybersecurity, and data management, safeguarding member information and supporting the credit union's commitment to individualized service. The Chief Information Officer's role involves strategic planning for technology investments, evaluating emerging trends, and implementing robust systems that support the organization's growth and compliance requirements. By ensuring the reliability and security of MIDFLORIDA's digital platforms, Tim Lysak directly contributes to the seamless delivery of financial services across all channels. Lysak's expertise is critical in maintaining the integrity of transactions and the overall member data ecosystem.

    Gayle OBrien - Chief Administrative Officer

    Gayle OBrien, the Chief Administrative Officer at MIDFLORIDA, oversees the critical operational functions that support the credit union's mission of delivering excellent, individualized service. OBrien manages human resources, facilities, and general administration, ensuring a productive and efficient work environment for all employees. This executive's purview extends to optimizing internal processes and resource allocation, directly contributing to the credit union's ability to provide simple, secure, and convenient banking experiences for members. The Chief Administrative Officer's role involves developing and implementing policies that foster a positive organizational culture and support employee development. By ensuring the smooth functioning of daily operations, Gayle OBrien enables the executive team to focus on strategic growth and member engagement. OBrien's leadership ensures that MIDFLORIDA's internal infrastructure effectively supports its external member-facing objectives.

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    Frequently Asked Questions Regarding MIDFLORIDA Top Executives and Leadership Team

    Who leads MIDFLORIDA?
    MIDFLORIDA is led by Steve Moseley (Chief Executive Officer), along with executives such as Ray Colado (Chairman & Chief Executive Officer) and Zelda Abram (Executive Vice President & Chief Financial Officer).
    Who is part of MIDFLORIDA’s executive team?
    The executive team of MIDFLORIDA includes leaders such as Steve Moseley (Chief Executive Officer), Ray Colado (Chairman & Chief Executive Officer), Zelda Abram (Executive Vice President & Chief Financial Officer) and other senior executives.
    How many executives does MIDFLORIDA have?
    MIDFLORIDA has 6 executives leading key business areas.
    What roles are included in MIDFLORIDA’s leadership team?
    The leadership team of MIDFLORIDA includes roles such as Chief Executive Officer, Chairman & Chief Executive Officer, Executive Vice President & Chief Financial Officer, President, Central Florida Market (North), Chief Information Officer.