VyStar Credit Union Executive and Leadership Team

August, 2026

Leadership Overview

VyStar Credit Union has 8 executives leading key functions including strategy, marketing, finance, technology, human resources, legal, and retail operations.

Committed to member-owned financial excellence, VyStar Credit Union delivers comprehensive banking, lending, and insurance solutions while fostering long-term economic stability for communities across the Southeast region.

Leadership Roles at VyStar Credit Union

  • President & Chief Executive Officer - Scott Mainwaring
  • President & Chief Executive Officer - Teresa West
  • Chief Financial Officer - Jim Edwards
  • President, Retail Market & Florida (Georgia) - Janean Armstrong
  • Chief Marketing Officer - Dana Karzan
  • Chief Information Officer - Lisa Cochran
  • Chief Human Resources Officer - Robert Davis
  • Chief Legal Officer - Lance Davies
  • Scott Mainwaring - President & Chief Executive Officer

    Scott Mainwaring, the President & Chief Executive Officer at VyStar Credit Union, directs the overarching strategic vision for the financial cooperative. Mainwaring architects long-term growth initiatives while ensuring the organization maintains its member-owned mission across all banking and lending sectors. By aligning executive leadership with the needs of the membership, the President & Chief Executive Officer drives operational excellence and sustainable fiscal health. This leadership role involves constant collaboration with the Board to refine service delivery models and expand market reach throughout the Southeast. Scott Mainwaring monitors competitive trends to ensure the institution remains a leader in the financial services industry. Through rigorous oversight of corporate governance and risk management, the President & Chief Executive Officer secures the future of the cooperative. Mainwaring prioritizes member value in every strategic decision, ensuring that the institution continues to provide robust financial products and services to a diverse and growing member base.

    Teresa West - President & Chief Executive Officer

    Teresa West, the President & Chief Executive Officer at VyStar Credit Union, manages the daily operational execution of the cooperative's diverse financial portfolio. West focuses on optimizing internal processes and enhancing the efficiency of insurance and investment service delivery. By streamlining cross-departmental workflows, the President & Chief Executive Officer ensures that the organization meets its performance benchmarks and regulatory requirements. This role requires constant engagement with operational teams to maintain high standards of service quality and member satisfaction. Teresa West evaluates internal performance metrics to identify opportunities for process improvement and resource allocation. Through the implementation of scalable operational frameworks, the President & Chief Executive Officer supports the broader mission of the cooperative. West maintains a sharp focus on operational agility, ensuring that the institution adapts quickly to changing market conditions while delivering consistent value to members across all service channels.

    Jim Edwards - Chief Financial Officer

    Jim Edwards, the Chief Financial Officer at VyStar Credit Union, oversees the financial health and fiscal planning of the cooperative. Edwards architects robust capital management strategies and ensures the integrity of all banking and investment reporting. By monitoring liquidity, interest rate risk, and asset-liability management, the Chief Financial Officer maintains the stability required to support member services. This leadership role involves providing critical financial insights to the Board and executive team to guide long-term investment decisions. Jim Edwards manages the budgeting process and ensures compliance with all financial regulations governing the credit union industry. Through the optimization of financial performance, the Chief Financial Officer supports the institution's ability to offer competitive rates on loans and savings products. Edwards drives fiscal discipline across the organization, ensuring that every dollar contributes to the long-term sustainability and growth of the cooperative for the benefit of all members.

    Janean Armstrong - President, Retail Market & Florida (Georgia)

    Janean Armstrong, the President, Retail Market & Florida (Georgia) at VyStar Credit Union, directs the retail banking operations across the primary regional markets. Armstrong architects the service delivery strategy for branch networks, ensuring that members receive consistent support for their banking and lending needs. By overseeing regional performance and staff management, the President, Retail Market & Florida (Georgia) drives member engagement and service quality. This leadership role involves coordinating with marketing and technology teams to implement new service models that enhance the retail experience. Janean Armstrong monitors regional market trends to identify opportunities for branch expansion and service optimization. Through the management of retail operations, the President, Retail Market & Florida (Georgia) supports the cooperative's growth and market penetration goals. Armstrong maintains a focus on operational excellence, ensuring that every branch location delivers the high-quality financial services that members expect from the institution.

    Dana Karzan - Chief Marketing Officer

    Dana Karzan, the Chief Marketing Officer at VyStar Credit Union, directs all brand positioning and member acquisition strategies. Karzan architects comprehensive campaigns that highlight the cooperative's unique value proposition in banking, lending, and insurance. By analyzing market data and consumer behavior, the Chief Marketing Officer ensures that the brand resonates with diverse demographics across the regional footprint. This leadership role involves coordinating with product teams to launch new financial services that meet evolving member needs. Dana Karzan oversees the digital and traditional marketing channels to maximize engagement and drive growth. Through the development of targeted outreach programs, the Chief Marketing Officer strengthens the connection between the institution and the communities it serves. Karzan maintains a focus on brand integrity and member loyalty, ensuring that all communications reflect the core mission of the cooperative while supporting the overall business objectives of the organization.

    Lisa Cochran - Chief Information Officer

    Lisa Cochran, the Chief Information Officer at VyStar Credit Union, directs the technological infrastructure and digital transformation initiatives. Cochran architects secure, scalable systems that support the delivery of online banking, mobile services, and internal data management. By overseeing cybersecurity protocols and IT operations, the Chief Information Officer ensures the protection of member data and the reliability of financial platforms. This leadership role involves collaborating with other executives to integrate new technologies that enhance the member experience and streamline internal workflows. Lisa Cochran manages the IT roadmap to ensure that the institution remains at the forefront of financial technology innovation. Through the implementation of advanced analytics and digital tools, the Chief Information Officer drives operational efficiency and supports the cooperative's growth objectives. Cochran maintains a focus on system resilience, ensuring that all digital services remain accessible and secure for members across the entire regional network.
    Lisa Cochran

    Robert Davis - Chief Human Resources Officer

    Robert Davis, the Chief Human Resources Officer at VyStar Credit Union, directs the talent acquisition, employee development, and organizational culture strategies. Davis architects programs that attract and retain top-tier professionals capable of delivering exceptional financial services. By overseeing performance management and leadership training, the Chief Human Resources Officer ensures that the workforce remains aligned with the cooperative's mission and values. This leadership role involves fostering an inclusive environment that promotes professional growth and operational excellence across all departments. Robert Davis manages compensation and benefits structures to remain competitive within the financial sector. Through the implementation of strategic workforce planning, the Chief Human Resources Officer supports the institution's ability to scale operations and meet member demands. Davis drives initiatives that enhance employee engagement, ensuring that the staff remains motivated to provide high-quality service to members throughout the organization's regional footprint.
    Lance Davies, the Chief Legal Officer at VyStar Credit Union, directs all legal affairs, regulatory compliance, and risk mitigation strategies. Davies architects the framework for corporate governance, ensuring that all banking, lending, and insurance activities adhere to federal and state laws. By providing counsel to the Board and executive leadership, the Chief Legal Officer manages potential liabilities and protects the interests of the cooperative. This leadership role involves overseeing contract negotiations, litigation management, and regulatory filings to maintain the institution's good standing. Lance Davies monitors the evolving legal landscape to ensure that the organization remains compliant with industry-specific regulations. Through the proactive identification of legal risks, the Chief Legal Officer supports the stability and integrity of the cooperative's operations. Davies maintains a focus on ethical standards, ensuring that all business practices align with the mission of serving members while upholding the highest levels of legal and regulatory compliance.
    Lance Davies

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    Frequently Asked Questions Regarding VyStar Credit Union Top Executives and Leadership Team

    Who leads VyStar Credit Union?
    VyStar Credit Union is led by Scott Mainwaring (President & Chief Executive Officer), along with executives such as Teresa West (President & Chief Executive Officer) and Jim Edwards (Chief Financial Officer).
    Who is part of VyStar Credit Union’s executive team?
    The executive team of VyStar Credit Union includes leaders such as Scott Mainwaring (President & Chief Executive Officer), Teresa West (President & Chief Executive Officer), Jim Edwards (Chief Financial Officer) and other senior executives.
    How many executives does VyStar Credit Union have?
    VyStar Credit Union has 8 executives leading key business areas.
    What roles are included in VyStar Credit Union’s leadership team?
    The leadership team of VyStar Credit Union includes roles such as President & Chief Executive Officer, President & Chief Executive Officer, Chief Financial Officer, President, Retail Market & Florida (Georgia), Chief Marketing Officer.