Executive Leadership
Executive Vice President
and Chief Operating Officer
Executive Vice President and Chief Credit Officer
Board of Directors
Director
Ed Obuchowski
Ed has more than 35 years of banking experience and has worked his entire career in the San Francisco Bay Area. He is responsible for the overall performance of the bank and is the primary liaison for regulatory agencies and shareholders. Working in concert with the Bank’s Board of Directors (of which he is also a member), he is responsible for developing strategies for achieving the Bank’s vision and objectives. Ed represents the Bank in the community through participation in business, charitable and civic activities.
Prior to forming BSF, Ed held leadership positions at City National Bank, CivicBank of Commerce and First Interstate Bank.
A graduate of Leadership San Francisco, Ed is past Chairman of the Board of RAMS Inc., a nonprofit mental health agency with an emphasis on serving Asian and Pacific Islander Americans. He was previously on the Board of Junior Achievement Northern California. Ed was a Benjamin Franklin Scholar and received a bachelor's degree in economics from the University of Pennsylvania and is a graduate of Pacific Coast Banking School at the University of Washington.
Wendy A. Ross
Wendy has more than 35 years of international, commercial and private banking experience. As the Bank’s president, Wendy is responsible for the day-to-day operation of the Bank, while promoting a culture that reflects the Bank’s values, encourages strong performance and rewards accomplishment. Wendy maintains strong relationships with the Bank’s key clients, investors and community leaders.
Prior to joining BSF’s founding team in 2005, Wendy was Senior Vice President and Chief Credit Officer at Golden Gate Bank. Wendy started her banking career at Manufacturers Hanover Trust Company in New York. She then made the move to the Bay Area, where she held positions of increasing responsibility at Crocker National Bank, Bank of California and CivicBank of Commerce.
Wendy graduated magna cum laude from Connecticut College and is a member of Phi Beta Kappa. She has an executive degree from the Graduate School of Credit and Financial Management and is a graduate of Leadership San Francisco. Wendy has been the recipient of the Emeryville Business and Professional Women’s Association Annual Woman of the Year Award. She is a member of International Women's Forum Northern California and a former board member of Women's Initiative for Self-Employment. Wendy is also a member of the Rotary Club of San Francisco and has served on the San Francisco Rotary Foundation Board. The San Francisco Business Times honored Wendy as one of the Bay Area’s Most Influential Women in 2013, and she is on its Forever Influential Honor Roll.
Margaret Mak
Margaret is a highly experienced financial specialist with more than 35 years of dedicated, relationship-based service. Throughout her career, Margaret has consistently demonstrated a commitment to excellence in banking and has become a recognized leader in the industry. In her role as EVP, Head of Private Banking at Bank of San Francisco, Margaret works directly with individuals, their businesses, and nonprofit organizations, cultivating long-term relationships and finding solutions to a broad range of financial needs. Her role is pivotal in steering the Bank toward innovative strategies that foster an entrepreneurial culture.
For 36 years, Margaret worked at First Republic Bank (FRB), where she held several significant positions, including Managing Director in its Retail Banking business before assuming her executive role. Margaret's impact on the organization was profound, having spearheaded the launch of its Preferred Banking division in 1997, which seamlessly integrated its lending and deposit-gathering operations. Margaret set the tone for FRB’s Preferred Banking group and designed many of its services, including an ATM rebate checking account, which was one of its most popular products.
Margaret was well known as one of FRB’s leading “culture carriers,” and her passion for and commitment to high-touch service remain constant.
Kellie Johnson Abreu
Kellie is a distinguished financial specialist with more than 40 years of experience in the banking industry, known for her commitment to high-touch service. Throughout her career, Kellie has exemplified excellence in banking and established herself as a prominent leader in the field. As EVP, Co-Head of Private Banking at Bank of San Francisco, Kellie works directly with high-net-worth clients, developing enduring relationships and delivering customized banking solutions tailored to their specific needs. She plays an instrumental role in driving BSF’s client-focused service model.
Before joining Bank of San Francisco, Kellie held several senior management roles at First Republic Bank (FRB), where she served as Deputy Chief Banking Officer and Regional Managing Director. During her tenure of 23 years, she actively managed the bank’s largest region in San Francisco and expanded operations into the Pacific Northwest, including the successful opening and management of the Jackson, Wyoming office. Her leadership in developing and executing the Relationship Management Training Program was instrumental in doubling the number of Relationship Managers, greatly enhancing the bank’s ability to serve clients in its markets. Kellie also actively managed her own book of business, working directly with clients and their personal banking needs in addition to their business and nonprofit affiliations.
In addition to her professional accomplishments, Kellie is deeply committed to her community. She serves as a Board Member of Project Glimmer, is an active member of Dress for Success, and holds an honorary position on the Board of Meals on Wheels, San Francisco. Additionally, Kellie is a passionate advocate for the arts, serving on the Board of the School of American Ballet in New York City, where she also serves as Co-Chair of its Advisory Council. Her dedication to both her clients and community reflects her ongoing commitment to making a positive impact.
Jennifer Corr
Jennifer joined BSF in 2019 as Chief Financial Officer. She also serves as its Corporate Secretary, Secretary of its Executive Committee and Chair and Secretary of its Investment Committee and Asset Liability Management Committee.
Prior to joining the Bank, Jennifer worked in public accounting for 19 years. She was an audit partner at BDO and worked primarily in financial services and fintech, with experience in consumer products, manufacturing, distribution and retail industries. Jennifer graduated from Pepperdine University with a bachelor’s degree in accounting.
In her free time, Jennifer shows dogs across the United States, Canada and the United Kingdom and is a board member and treasurer of Northern California Alaskan Malamute Association, which runs MUSH (Malamutes Unsettled Seeking Homes), an organization that assists local Malamute rescues in finding new homes.
Juanna Collin
As Executive Vice President and Chief Credit Officer, Michael is responsible for a broad range of credit administration, loan portfolio management and underwriting activities for BSF.
Michael has more than two decades of banking experience, and has held leadership roles at community banks and larger financial institutions, including Bank of the Orient, Trans Pacific National Bank and U.S. Bank.
A Bay Area native, Michael currently resides in San Francisco. He earned his bachelor’s degree in economics from Santa Clara University.
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Michael De Vivo
As Executive Vice President and Chief Credit Officer, Michael is responsible for a broad range of credit administration, loan portfolio management and underwriting activities for BSF.
Michael has more than two decades of banking experience, and has held leadership roles at community banks and larger financial institutions, including Bank of the Orient, Trans Pacific National Bank and U.S. Bank.
A Bay Area native, Michael currently resides in San Francisco. He earned his bachelor’s degree in economics from Santa Clara University.
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Joseph P. Cristiano
Joe currently serves as Chairman of the MCM Group, an international business advisory company specializing in strategic planning, operations, sales and marketing, executive coaching, mergers and acquisitions and business development. He served as the President and CEO of the Kelly-Moore Paint Company from 1984 to 2003 and prior to that was Division President of the Sherwin-Williams Paint Company.
Joe currently serves on the board of directors of a number of organizations, including the Dunn-Edwards Nippon Paint Company and Pacific Signaling. He is a Founder and member of the Advisory Board of the Three Valley Community Foundation and a founding member and board member of the “We Are Pleasanton” nonprofit civic organization. He is a past member of the Board of Directors of Diatron, a global medical device company located in Hungary; Metrolab, an Argentinian medical device company; and Medisiss, a U.S. medical device reprocessing company. He is the former owner and CEO of Better Homes and Gardens Tri-Valley Realty and Prudential California Realty. Joe is the Founder of the nonprofit, Northern California Entrepreneur Mentoring Group and currently serves as CEO and President of the organization.
Roberta Achtenberg
Roberta is the past Chair of the California State University Board of Trustees and is a former Commissioner on the U.S. Commission on Civil Rights. She serves as a Corporate Advisor in community development to the Lennar Corporation and is a Director of the privately held software company, AJWI Inc.
Roberta was an elected member of the San Francisco Board of Supervisors and served in the Clinton Administration as a U.S. Department of Housing and Urban Development (HUD) Assistant Secretary and later as Senior Advisor to Secretary Henry G. Cisneros. In 2008, she co-led the HUD Transition Team for the Obama Administration. She also served on the board of directors of the Federal Home Loan Bank of San Francisco. Trained as a lawyer, she was a Teaching Fellow at the Stanford Law School, Dean of New College of California School of Law, Staff Attorney at Equal Rights Advocates and Founder of the National Center for Lesbian Rights.
Ed has more than 35 years of banking experience and has worked his entire career in the San Francisco Bay Area. He is responsible for the overall performance of the bank and is the primary liaison for regulatory agencies and shareholders. Working in concert with the Bank’s Board of Directors (of which he is also a member), he is responsible for developing strategies for achieving the Bank’s vision and objectives. Ed represents the Bank in the community through participation in business, charitable and civic activities.
Prior to forming BSF, Ed held leadership positions at City National Bank, CivicBank of Commerce and First Interstate Bank.
A graduate of Leadership San Francisco, Ed is past Chairman of the Board of RAMS Inc., a nonprofit mental health agency with an emphasis on serving Asian and Pacific Islander Americans. He was previously on the Board of Junior Achievement Northern California. Ed was a Benjamin Franklin Scholar and received a bachelor's degree in economics from the University of Pennsylvania and is a graduate of Pacific Coast Banking School at the University of Washington.
Wendy has more than 35 years of international, commercial and private banking experience. As the Bank’s president, Wendy is responsible for the day-to-day operation of the Bank, while promoting a culture that reflects the Bank’s values, encourages strong performance and rewards accomplishment. Wendy maintains strong relationships with the Bank’s key clients, investors and community leaders.
Prior to joining BSF’s founding team in 2005, Wendy was Senior Vice President and Chief Credit Officer at Golden Gate Bank. Wendy started her banking career at Manufacturers Hanover Trust Company in New York. She then made the move to the Bay Area, where she held positions of increasing responsibility at Crocker National Bank, Bank of California and CivicBank of Commerce.
Wendy graduated magna cum laude from Connecticut College and is a member of Phi Beta Kappa. She has an executive degree from the Graduate School of Credit and Financial Management and is a graduate of Leadership San Francisco. Wendy has been the recipient of the Emeryville Business and Professional Women’s Association Annual Woman of the Year Award. She is a member of International Women's Forum Northern California and a former board member of Women's Initiative for Self-Employment. Wendy is also a member of the Rotary Club of San Francisco and has served on the San Francisco Rotary Foundation Board. The San Francisco Business Times honored Wendy as one of the Bay Area’s Most Influential Women in 2013, and she is on its Forever Influential Honor Roll.
A Partner in the national law firm of Fox Rothschild LLP, Bill specializes in succession planning and mergers and acquisitions for professional service firms, including architecture, engineering and environmental consulting firms. He has helped develop ownership transition programs for a number of leading professional service firms in California and across the country and has assisted a large number of firms in merger and acquisition transactions.
Bill earned his J.D. from the University of California's Berkeley School of Law and graduated cum laude with a Bachelor of Science from the University of Southern California. Prior to becoming an attorney, he was a CPA, first on the audit staff of Ernst & Young and then in the tax department at Deloitte. He was also a member of the board of trustees of the Head Royce School, an independent school located in the East Bay, for nine years, and served as chairman of its finance committee.
James Herbert III is a seasoned entrepreneur, strategic leader, and investor with a deep commitment to making a positive impact on the companies and communities he works with. As Co-Founder and Board Member of Kiavi, the largest lender to home flippers in the U.S., James has been instrumental in transforming the real estate financing landscape. He also serves as Co-Founder and Managing Partner of Snake River Advisors, offering strategic consulting to high-growth ventures, and is a Venture Partner at Navitas Capital, a leading proptech venture capital firm.
James’s extensive experience includes serving as Senior Vice President at First Republic Bank, where he managed the Pacific Northwest region, strategy, and an unsecured lending division. Prior to that, he founded and was CEO of Two Bridges Real Estate, a single-family residential investment fund, and Co-Founder of Colony American Homes, now part of Invitation Homes (NYSE: INVH). Earlier in his career, James held key roles as Vice President at both Colony Capital and Morgan Stanley's investment banking division.
Steve Lefkovits is a partner and Executive Producer at Joshua Tree Conference Group and President of Joshua Tree Consulting, providing executive education for the multifamily housing industry. He is also a retired partner at RealtyCom Partners, LLC, the largest telecommunications consulting firm in the multifamily sector.
Earlier in his career, Steve was Senior Vice President for technology initiatives at BRE Properties and Vice President for finance and technology at the National Multi Housing Council. He began his career as a photojournalist for USA Today and later worked in capital markets at Prudential Securities.
In addition to his current roles, Steve advises and invests in property technology and multifamily companies and serves on the board of Real Estate Business Analytics (REBA, Inc.). He is also chair of the Technology in Real Estate Product Council at the Urban Land Institute (ULI) and an Alternate Commissioner on the San Francisco Bay Conservation and Development Commission. Steve holds a master’s degree from Princeton University and a degree in economics from Yale University. Outside of his professional life, Steve is a landscape and nature photographer with a gallery in Emeryville, California.