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MEET OUR STAFF
JOHN F. PHILIPS, DDS – Co-Chairman of the Board of Beach Business Bank
Dr. Philips completed dental school in 1969 at the Medical College
of Virginia School of Dentistry and he completed the Pediatric
Dentistry Residency Program at the Children’s Hospital of
Washington, DC in 1971. He holds a BS degree from Wake Forest
University. Dr. Philips opened his first General Practice of
Dentistry in Alexandria, VA. He performed surgery at Children’s
Hospital in Washington, DC, Fairfax Hospital, Fairfax, VA and
Alexandria Hospital, Alexandria, VA.
While practicing dentistry, Dr. Philips pursued an education in
business by attending the College of Financial Planning, Denver, CO
in 1979, the International Association of Financial Planning in
1985, and Commercial Property Management in 1986. In 1986 Dr.
Philips retired from the practice of Dentistry to pursue business
and financial planning opportunities in Raleigh, NC. As President of
Philips Investments since 1986, Dr. Philips has directed,
implemented and managed the development of marinas, office
buildings, operating companies and land projects. Dr. Philips has
extensive experience in land acquisition and commercial real estate
development and management, including shopping centers, marinas, and
golf courses. He has developed and managed several businesses
involved in areas as diverse as electric transformer manufacturing.
He has served as Managing Member, Southeastern Transformer LLC,
General Partner, PGB Limited Partnership, Vice President, &
Director, The Palin Foundation, Advisory Board Member Horizon Bank
of Virginia and Managing Advisor to The Philips Family Foundation.
He is a registered investment advisor, a licensed life and long term
care insurance agent and financial consultant. Dr. Philips provides
valuable advice and planning for affluent doctors and business
executives to help them achieve their goals of financial
independence and personal significance.
Dr. Philips is currently on the Advisory Boards of the Medical
College of Virginia School of Dentistry and the Palin Foundation. He
is a seminar leader and financial consultant for Health
Professionals and is committed to assisting doctors in creating
permanent endowments for their families and for those value systems
that are important to the doctors. Dr. Philips is married and has
two grown children. He lives in Raleigh, NC.
JAMES H. GRAY – Co-Chairman of the Board of Beach Business
Bank
Jim Gray began his business career in the automobile business upon
his graduation from California State University - Long Beach. He
sold his last dealership in early 1991. Jim was a co-founder of
Harbor Bank located in Long Beach, California in 1974. He served as
Chairman of the Board and CEO from 1976 until the sale of Harbor
Bank to City National Bank in early 1998, and remained as a Senior
Consultant to City National Bank through 1998. In 1999, Jim was the
founding Chairman of Generations Trust Bank. Jim was also the
President of California Bankers Association in 1985-86 and was a
member of the Board of Directors of the American Bankers Association
from 1991-96. He served as Treasurer of the ABA from 1994-96.
An active member of the Long Beach community, Mr. Gray was the
founding Chairman of the Aquarium of the Pacific, a past president
of the Chamber of Commerce, the Port of Long Beach Board of Harbor
Commissioners, Chairman of the United Way and was an elected member
of the Long Beach School Board and the Long Beach Community College
District. He served as a Trustee for the California State University
system from 1990-1999 and received an honorary Doctor of Laws degree
from Cal State - Long Beach in May of 2000. He is currently a member
of the Board of Trustees for the College of the Desert having been
appointed in December, 2000 to fill an existing term and was elected
in November, 2001, for a full term. Jim is currently Chairman of the
Board of Trustees. Mr. Gray was recently named by the Long Beach
Chamber of Commerce as Entrepreneur of the Year for 2002. In 2004,
Mr. Gray was appointed to the Board of the California State Teachers
Retirement System (CALSTRS) by Governor Schwarzenegger.
ROBERT M. FRANKO – President, CEO & Director of Beach Business Bank
Mr. Franko’s career in banking and financial services has ranged
from management responsibility for more than 400 employees in a
35-branch bank in Arizona to positions as the Chief Financial
Officer of a NYSE listed bank holding company, a $4 Billion bank and
one of the largest international real estate development projects in
the world, headquartered in London, England. He has been the
founding President of four banks, including one headquartered in the
European Community and three headquartered in California. He has
established and been a member or the Chairman of many bank and
mutual fund boards and committees, including the Audit Committee,
Executive Committee, Asset Liability Committee, Loan Committee and
Risk Management Committee. He was the managing officer of one of the
fastest growing SBA lending groups in California and was the
founding CEO of a bank chartered to provide almost exclusively
SBA-guaranteed loans. He has also been the CEO of two banks
specializing in Trust services, one a $10 Billion
California-chartered trust company. The other was one of the fastest
growing national trust banks in the US at the time. He is well
respected in the area of wealth management and wealth distribution
planning. Mr. Franko was a member of the Board of the California
Bankers Association and the Chairman of its Investment and Wealth
Management Committee.
In addition to a number of management roles, Mr. Franko has served
as the Chief Investment Officer of a national bank and has managed
investment portfolios of substantial size with various successful
investment strategies. He has passed the securities license exams as
a Principal for General Securities, Options, Municipal Securities
and as a Financial/Operations Principal. He is married and has two
young daughters. He has lived in Manhattan Beach, CA for more than
eight years, where he is active in the local community.
Mr. Franko graduated with a DMD degree from the Dental School at the
University of Pittsburgh in 1981. After a brief career in Dentistry (read more about this),
he has devoted his business career to banking and financial
services. Prior to completing his dental education, Mr. Franko had
received his MBA in International Management from the American
Graduate School of International Management (now known as
Thunderbird, The Garvin School of International Management) in
Arizona. He holds an MA degree in Business Management from Central
Michigan University and a BS degree from the University of Notre
Dame.
GIRISH BAJAJ – Executive Vice President and Chief Business Development Officer of Beach Business Bank
Mr. Bajaj has over 25 years of banking experience and has served in several key business development positions during this period.
Mr. Bajaj has been successfully generating SBA business for some of the most successful SBA lenders in California. He and Mr. Franko began working together at Imperial Bank, which was one of the most prolific SBA lenders in the state of California. Mr. Bajaj subsequently went to work for Temecula Valley Bank, another bank that achieved SBA prominence due in large part to Mr. Bajaj’s contributions. Mr. Bajaj began work for Beach Business Bank in October 2004. In addition to his SBA expertise, Mr. Bajaj has a very strong following in the Indian community.
ROBB EVANS – Director, Beach Business Bank
Robb Evans has been Chief Executive Officer of three California banks, three Edge Act (international banking) Corporations and a Hong Kong Merchant Bank. He has held banking positions ranging from teller trainee to Chairman of the Board. Today, Evans and his organization, Robb Evans & Associates LLC, serve as fiduciaries or advisors in a number of complex corporate and financial matters. In most engagements, he serves as an officer of a State or Federal Court, usually on the nomination of the Securities and Exchange Commission, The Federal Trade Commission, the Department of Justice or the Commodity Futures Trading Commission. He has, on three occasions, by three different Commissioners, been appointed a Special Deputy Commissioner of Financial Institutions or Superintendent of Banks to deal with specific regulatory matters.
Evans and his colleagues are best known for managing the wind up of the infamous Bank of Credit and Commerce International (BCCI) in various jurisdictions in the United States. BCCI was the largest financial fraud and asset forfeiture in history. Evans served as Trustee for the United States in the BCCI case and continues in the case as Trustee for the worldwide liquidators.
Prior to the formation of his present organization, Evans guided the founding, reorganization, purchase and sale of a number of financial institutions and corporations in the United States, Europe and Asia. Evans and his associates include among their diverse responsibilities, administering loans and other assets, including real estate, hotels and operating corporations. They have extensive experience in managing complex litigation and in recent years have been extremely active in international asset tracing. His testimony before a committee of the United States Senate led to several banking related insertions in the Patriot Act, enacted following the September 11th attacks.
Evans is Past President of California Bankers Association and a Director of Banker Benefits, the "for profit" arm of the CBA. He is a Director of BancInsure, Inc., an Oklahoma City based insurance company that is the major insurer of independent banks in the United States. He and his wife Linda live in Cambria and Bakersfield, California. Over his 40-year banking career, they have lived and worked in 15 cities on three continents.
JOHN W. HANCOCK – Director, Beach Business Bank
John W. Hancock, following a thirty-year career with Security
Pacific National Bank, is currently President of Bancap Investment
Group, a real estate investment and development company in the Long
Beach area. Beginning his career with Security Pacific National Bank
in 1960 following his graduation from Stanford University, Mr.
Hancock held various diversified line and administrative
responsibilities principally in Corporate Banking from 1970 until
1974, International Banking from 1974 until 1976, Corporate Finance
from 1977 until 1986 and Real Estate Finance from 1992 until
Security Pacific National Bank’s merger with Bank of America in
1992.
John was born and raised in Long Beach where he remains an active
member of the Long Beach community. John served on the Board of
Harbor Commissioners and has held the office of President for three
terms, 1998-1999 and 2002-2004. From 1982 until 2004, John sat on
the Board of Directors for Memorial Health Services, serving as
President from 1994 until 1996. John has served on the Board of
Trustees for the Memorial Medical Center, the Aquarium of the
Pacific, and the Long Beach City College Foundation. John has served
the Long Beach Symphony as President of the Board of Directors from
1991-1994 and President of the LBSO Foundation from 1991-2002. John
served on the Board of Directors of Harbor Bank, beginning in 1992
until the Bank was sold to City National Bank, after which he served
on the Regional Advisory Board of City National Bank. John has
received numerous community awards, including the Family Service
Award, LBCC President’s Award, and the NCCJ Humanitarian Award (Long
Beach). John received a Bachelors and Masters of Business
Administration from Stanford University and attended Stonier
Graduate School of Banking at Rutgers University and the Financial
Management Program at Harvard University.
FRED D. JENSEN – Director, Beach Business Bank
Fred Jensen is on the Directors Loan Committee for the Bank. He is also
a director of Advantage Certified Development Company in Long Beach,
California, and has been since 1978. Prior to his recent retirement,
Mr. Jensen maintained a successful banking career spanning over forty
years. Mr. Jensen has been President of no less than five banks:
American City Bank (1977-1979); National Bank of Long Beach (1979-1992):
Queen City Bank (1994-1995), which was acquired by First Bank of St.
Louis in 1995; 1st Bank & Trust (1995-2001); and, most recently,
Security Pacific Bank - LA (2001-2007). Mr. Jensen has served on the
board of Long Beach Memorial Medical Foundation since 1984, where he
also participates on the Finance Committee; the board of the Aquarium of
the Pacific; and the board of the Boys and Girls clubs of Long Beach.
Mr. Jensen is a graduate of the University of Washington, Pacific Coast
School of Banking. He is married with two children, and currently
resides in Long Beach.
DANIEL R. MATHIS – Director, Beach Business Bank
Dan Mathis is the former President of $6 Billion Imperial Bank,
which was headquartered in Inglewood, California, until it was
acquired by Comerica Bank, and the former President of First
National Bank of San Diego, until it was acquired by First Community
Bancorp.
Mr. Mathis has extensive experience with small business lending, particularly with respect to loans originated through SBA programs, which are an important element of the Bank’s proposed operations. Mr. Mathis’ experience as a successful senior executive and a director add tremendous depth to the Board of Directors of the Bank and provide valuable perspective and guidance to Bank management.
In addition to running Imperial Bank and First National Bank, Mr.
Mathis has 30 years of distinguished commercial banking experience
at Union Bank of California, California First Bank and United
California Bank. Dan managed large regional and national loan
portfolios throughout a distinguished banking career.
MICHAEL L. QUICK, DDS – Director, Beach Business Bank
Dr. Quick received his DDS degree from the University of Tennessee.
He then completed the Masters program in Orthodontics. He has owned
a very successful Orthodontics practice in Little Rock, AR. In
addition to his practice, Dr. Quick is a successful real estate
investor. Dr. Quick also counsels other healthcare professionals on
how to accumulate wealth and successfully conduct their business
affairs.
PHILLIP J. BOND - Executive Vice President and Chief Credit Officer
of Beach Business Bank
Phillip J. Bond is the Executive Vice President and Chief Credit
Officer of Beach Business Bank. Mr. Bond has over 18 years of
banking experience and has served in several key credit and
management positions during this period.
Prior to joining Beach Business Bank, Mr. Bond served for two years
as Senior Vice President and Manager of City National Bank’s
Government Lending Department where he was responsible for the
management and administration of the Bank’s Small Business
Administration division and other guaranteed loan programs. He also
served as Senior Vice President and Manager of the Bank’s Regional
Banking Center in Long Beach, California. While at the Regional
Banking Center, Mr. Bond was responsible for leading a team of
business development officers and client relationship managers. He
also served as a credit administrator and member of the Bank’s
Senior Loan Committee.
Prior to City National Bank’s acquisition of Harbor Bank in Long
Beach, California, Mr. Bond served for three years as Executive Vice
President and Chief Credit Officer of Harbor Bank. During his
tenure, Mr. Bond was integral in restructuring all areas of the
Bank’s credit management.
Mr. Bond began his career as a bank examiner for the Federal Deposit
Insurance Corporation (FDIC). Based in the Dallas, Texas and the
Orange County, California field offices, Mr. Bond was responsible
for the examination of niche and critically undercapitalized
institutions. Mr. Bond was promoted to Senior Capital Markets
Specialist in Washington, DC where he developed and taught policy
relating to interest rate risk and emerging capital markets issues.
Mr. Bond is a graduate of the University of Texas with a Bachelor of
Business Administration, and earned his MBA at the John E. Anderson
Graduate School of Management at UCLA.
MELISSA LANFRE – Senior Vice President and Chief Financial
Officer of Beach Business Bank
H. Melissa Lanfre joined the Bank as its Chief Financial Officer and
Senior Vice President with more than 20 years of experience as Chief
Financial Officer of a number of institutions in the independent
banking community. An accomplished manager and accounting
professional, Ms. Lanfre’s depth of experience in finance and
accounting was a critical element to the growth and successful
business performance of the community banks and bank holding
companies she served.
Combining a rare blend of finance/accounting knowledge and
operational strengths, Ms. Lanfre achieved significant success with
previous organizations in managing both traditional corporate
accounting functions and the critical functions of information
technology and corporate finance. Prior to joining the Bank, Ms.
Lanfre served as Chief Financial Officer, Chief Information Officer
and Chief Human Resources Officer. Over her career, she has been
responsible for cash management, fixed asset control, financial
reporting, state and federal regulatory reporting, compliance
reporting, account certification, and human resources and benefit
administration. Other significant management responsibilities have
included budgeting and strategic planning, investment management,
SEC reporting, and Asset/Liability management.
Ms. Lanfre earned her BS in business and MS in accounting from
California State University, Northridge, California. She currently
serves on several outside boards, including the Board of Directors
of The Strategics Group, a management consulting corporation, and
More Than Shelter for Seniors, a nonprofit focused on extending the
active lives of seniors.
Ms. Lanfre is an active member of the Manhattan Beach community,
serving as Treasurer of the Mira Costa Softball Booster Club, a
nonprofit which supports the girls’ softball teams at Mira Costa
High School and as a regional referee with AYSO, Region 18. Ms.
Lanfre is an eighteen year resident of Manhattan Beach, where she
resides with her husband and two children.
THOMAS LACROIX - Senior Vice President and Chief Lending
Officer of Beach Business Bank
Thomas LaCroix joined the Bank in June 2007 as Senior Vice
President, Chief Lending Officer. Drawing on a 30 year career in
community and regional banking, he is responsible for the
development and growth of the Corporate Banking Group. His staff
offers a superior level of service dedicated to the individual needs
of the middle market business client including, but not limited to,
various lending and cash management products.
Mr. LaCroix majored in Economics at CSULB and is a graduate of the
prestigious Pacific Coast Banking School, at the University of
Washington. His previous banking experience includes positions in
Loan Administration, a Board Directorship, Directors Loan Committee,
and an extensive background in corporate and small business banking
MELISSA RICKABAUGH – Senior Vice President and Senior
Operations Officer of Beach Business Bank
Melissa Rickabaugh joined the bank as Senior Vice President and
Senior Operations Officer/Cashier with over 25 years of experience
in managing bank operations. In her most recent position, she served
as the SVP responsible for bank operations at Manufacturers Bank, a
$1.1 billion dollar bank headquartered in Los Angeles, California.
In this role, she was responsible for managing both the data and
item processing functions through outsourcing arrangements, branch
operations, centralized deposit and loan operations, international
operations and wire transfer, a centralized customer service center,
and correspondent banking relationships. She also served as the
Bank’s BSA Officer, responsible for overall compliance with the Bank
Secrecy Act, USA Patriot Act, and OFAC regulations. Ms. Rickabaugh
spent two years in the Planning Department of Manufacturers Bank,
participating in the Bank’s strategic planning process, budgeting,
and product development, and several years as an Operations
Administrator in the Bank’s Commercial Banking Division, where her
responsibilities included oversight of branch budgets, human
resource administration, and operations/service quality. Prior to
joining Manufacturers Bank, Ms. Rickabaugh worked in various branch
and administrative operations positions at Crocker Bank, Wells Fargo
Bank, and the Bank of California.
FRANK J. GRESKOVICH, DMD – Advisory Board
Dr. Greskovich graduated in 1957 from Washington and Jefferson
College, Washington, PA with a Bachelor of Science Degree, in 1961
from the University of Pittsburgh School of Dentistry with a Doctor
of Dental Medicine Degree, and in 1964 from Duke University Medical
School with certified specialty training in Oral and Maxillofacial
Surgery. He was drafted into the United States Army in 1966 and
served with the Army Infantry Air Calvary at Martin Army Hospital,
Fort Benning, Georgia, as head of the Department of Oral and
Maxillofacial Surgery.
He began his practice of Oral and Maxillofacial Surgery in
Pensacola, FL in 1966. He is the past chief of the Department of
Oral Maxillofacial Surgery at Sacred Heart, Baptist, West Florida
and University Hospitals.
Dr. Greskovich is a Fellow of the American College of Oral
Maxillofacial Surgeons, Diplomate of the International College of
Oral Implantologists, consultant for the Florida Crippled Children
Commission, Florida Rehabilitation Association and Florida Blue
Cross and Blue Shield Insurance Corporation. He is also a member of
various local, state, national and international organizations.
He spearheaded and developed Cordova Medical Dental Center office
complex of physicians and dentists, the first free-standing
ambulatory outpatient surgical center in Pensacola, FL.
Dr. Greskovich has been married to Veronica for more than 45 years
and has three grown sons and six grandchildren.
RICK A. JAYE – Advisory Board
Rick Jaye began his business career in the financial services
industry upon graduation from University of California, San Diego
with a degree in economics. He also completed an educational
exchange program at Dartmouth College. He was honored for his
academic, athletic and collegiate achievements by being nominated by
faculty and student body to give the commencement speech at
graduation from the University of California. He began his career in
the financial services industry working for a national real estate
syndication firm. He received his Series 7 securities license and
was responsible for marketing limited partnerships to other
broker-dealers, high net worth investors and investment advisers. As
a financial adviser, his responsibilities include helping doctors to
more efficiently accumulate savings, reduce risk and develop a sound
financial plan.
His career with helping doctors with their financial needs has
spanned over 21 years. He moved from San Francisco in 1988 to
Florida. His knowledge and experience have been continuously
committed to his doctor-clients. He is a licensed life, variable
life and long-term care insurance agent, a registered investment
adviser, and a financial consultant. Mr. Jaye provides valuable
personal, professional and financial guidance for affluent doctors
throughout the country to help them reach financial independence and
personal significance.
Mr. Jaye is the President and sole shareholder of RAJ Consultants,
Incorporated and Vice-President and partner of Jaye & Junck,
Consulting, Incorporated, two financial services companies providing
financial planning, investment management and practice transition
consulting services to doctors. He has served on the local board of
the March of Dimes and the fund raising arm of his children’s
Catholic school and local church. He is married and has three young
children. He has lived in the Orlando, Florida area for over 12
years, where he and his wife are active with coaching children’s
sports programs and in the local community.
DANIEL L. ORR II, DDS, PhD, JD, MD – Advisory Board
Dr. Orr is an Oral & Maxillofacial Surgeon practicing in Las Vegas,
NV. He is married and the father of six children. After graduating
cum laude from Brigham Young University and with honors from the
University of Southern California School of Dentistry, Dr. Orr
completed residencies in Oral & Maxillofacial Surgery at Los Angeles
County/USC/Medical Center and in Anesthesiology at the University of
Utah Medical Center, where he also earned a Master of Science in
Anesthesiology. Dr. Orr then obtained a PhD in Biophysics from
Columbia Pacific University, San Rafael, California. Dr. Orr
subsequently graduated from William Howard Taft University School of
Law and University of Health Sciences Antigua School of Medicine.
Dr. Orr is a Diplomate of the American Board of Oral & Maxillofacial
Surgery, the American Dental Board of Anesthesiology, and is
admitted to the California Bar.
Dr. Orr is a Clinical Professor of Surgery and Anesthesiology at the
University of Nevada School of Medicine and the University of Nevada
Las Vegas School of Dentistry, a Forensic Odontologist for the Clark
County Nevada Coroner's Office and the Post-Mortem Coordinator for
Nevada's USPHS National Disaster Medical System. Dr. Orr is also a
member of the Nevada State Medical/Dental/Legal Screening Panel; a
court qualified expert in dental and medical legal issues, and has
published extensively in the professional literature. Dr. Orr is a
member of the Nevada State Board of Dental Examiners Anesthesia
Committee, the Chairman of the Nevada State Society of Oral &
Maxillofacial Surgeons Anesthesia Committee, and a past President of
the NSSOMS. Dr. Orr is a member of the Sports Medicine Team for the
UNLV Athletic Department, the AAA Pacific Coast League Las Vegas
51's (L.A. Dodgers affiliate), and the PRCA National Finals Rodeo.
Dr. Orr is a Past President of the D.A.R.E. Community Board in Las
Vegas, a Lifetime Senior Member of the National Ski Patrol. Dr. Orr
has had a life long involvement with the boy Scouts of America,
becoming an Eagle Scout at age 14. He was awarded the Eagle Scout of
the Year and scholarship by the Los Angeles Area Council of the BSA
in 1968 and as an adult leader has been awarded the Silver Beaver by
the Boulder Dam Area Council. Dr. Orr is the Physician on call for
the BDAC and a member of the BSA National Jamboree medical Staff.
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