Fred Cassisa, Chairman

Mr. Casissa is the Vice President and Compliance/Anti Money Laundering Officer for First Republic Bank and has over 25 years of experience in the financial services industry.  He has served on a number of non profit boards that support community activity.  Additionally, Mr. Casissa has been a participant in EFPN since its inception in 2000 when First Republic bank joined EFPN as a founding partner and began serving on the Board of Directors.

Susan Montoya, Vice-Chair
First Bank

Susan Montoya has worked for First Bank since March 1992 and serves as its Vice President and Corporate CRA Officer. As Corporate CRA Officer for a $9.5 billion, multi-state institution, Ms. Montoya has an extensive background in the Community Reinvestment Act and is responsible for all components of CRA – Lending, Services and Investments.

Besides working with regulations, Ms. Montoya is actively involved in various financial literacy programs – teaching students financial management through the Banking on Our Future program; conducting seminars to seniors on financial elder abuse; and serving a second term on the National Advisory Board for Get Checking, a national financial initiative designed specifically to help consumers establish a primary banking relationship and gain access to mainstream financial services. Ms. Montoya is frequently invited to speak at national conferences associated with the unbanked, underbanked and overlooked market segment.

Terry Aman, Treasurer
Bank of Marin

Kristin Fabos, Director
Senior Advocate

Kristin Fabos is a nonprofit executive and marketing communications professional with a 17-year career in both the nonprofit and high technology sectors. For the past five years, Fabos was the Executive Director of SeniorNet, the leading nonprofit technology educator of older adults. With over 130 Computer Learning Centers nationwide and internationally since its establishment in 1986, SeniorNet is a nonprofit, 501c(3) organization that has trained hundreds of thousands of adults 50+ on the fundamentals of technology. Under her direction, the organization significantly increased its annual operating budget and its global media image. She has also spoken nationally and internationally on the topic of the “Digital Divide” and technology access for older adults at Capitol Hill Briefings and at industry conferences and events.

Prior to SeniorNet, Fabos was an advance press chief for the ATHENS 2004 Olympic Torch Relay. In that role, she served as a spokesperson for the Athens Organizing Committee (ATHOC) working with local government officials, national Olympic committees and international media outlets in eight of the relay's 33 worldwide cities.

Before that, Fabos had a 13-year career in high technology PR and marketing, developing and executing strategic marketing and communications plans for companies including SonicWALL, Adobe Systems, NEC Computer Systems Division, and Microsoft, among others.

In addition to the EFPN Board of Directors, Fabos is currently the Volunteer Co-Chair of the American Cancer Society’s San Mateo “Imagine” Inaugural Gala. She has been an active member of the Junior League of Palo Alto·Mid Peninsula for the past nine years. Fabos has also served on the Board of Directors of the Junior League of Palo Alto·Mid Peninsula, SeniorNet and Rebuilding Together Silicon Valley. Fabos holds a B.A. in Communication with an emphasis in Broadcast Journalism from Santa Clara University.

Helen Karr, Director
Senior Advocate

Determined to do something about helping older women prevent becoming victims of financial exploitation, Helen Karr attended law school instead of retiring (from the business world), and was sworn in to practice California law on her 64th birthday. Now, she is a senior citizen advocate at the local, state and national level. Ms. Karr served six years as a California Senior Assembly member and Chaired its Joint Rules Committee. She is member of the San Mateo County Long-Term Care Ombudsman Board. She is a past member of the State Bar of California’s Senior Lawyer’s Committee, and was appointed by Senator Dianne Feinstein (D-Cal) as her Delegate to the 2005 White House Conference on Aging. She received a 2005 National Spirit of Service Award from the Corporation of National and Community Service. Former State Assembly Member Gene Mullin named Karr as the Woman of the Year 2007 for the 19th Assembly District. The Elder Financial Protection Network honored her with its 2007 “Sentinel Award”; a lifetime achievement award for an individual who has successfully advocated for positive change in public policy or in the judiciary concerning the protection of elders from financial abuse and exploitation. Her Alma Mater, San Francisco Law School, honored her as the Alumni of the year 2007.

Ms. Karr presently works in the San Francisco District Attorney’s Elder Abuse Unit.
As a legal consultant, Ms. Karr researched the law and worked with the author to develop the California State Bar’s public education material Seniors and the Law. She is presently working on the 2009 edition. Over two million Seniors and the Law have been distributed in California. In 2003, the State Bar of California awarded Ms. Karr for “Outstanding Service.”

Heather McMills, Director
McKean and McMills

Heather McMills, Managing Partner of McKean & McMills Family Office, has attained over a decade of experience in financial services as a sell-side investment broker, culminating in the management of over a quarter billion dollars in retail and institutional debt and equity portfolios within the Private Wealth Management units of Credit Suisse and Bank of America. An entrepreneur at heart, Heather co-launched McKean & McMills Family Office in 2008, as an answer to investors’ needs for responsible trustee and wealth management services. Prior to launching McKean & McMills Family Office, Heather pursued investments in alternative markets—including a small Mediterranean restaurant in San Francisco. Having traveled to the Middle East, U.K., and Latin America, Heather enjoys connecting with diverse and dynamic people worldwide.

Heather studied Quantitative Economics at the University of California at San Diego. As a member of a third generation Bay Area family, Heather returned to San Francisco in 1999 to pursue various investment banking and entrepreneurial opportunities.

Dave Tyner, Director
Bank of America

Dave Tyner is a Senior Vice President with Bank of America for the Global Treasury Operations division, based in Concord, California. He was appointed to the board in March 2007. Mr. Tyner has 27 years experience in banking operations and currently is responsible for risk, compliance and regulatory regulations in the U.S., Mexico and Canada. He has also worked for the Canadian Imperial Bank of Commerce as head of their US Operations. He also serves as chairperson for the Bank of America's Diversity Inclusion Business Council, is actively involved in Women Unlimited, Inc. mentoring program in northern California and internal leadership development efforts at Bank of America. He is a member of the Fairfield Chamber of Commerce’s Education Committee and supports the Mission Solano Nomadic Sheltering Program. He has sat on numerous committees and commissions supporting non-profit organizations throughout California. He is also involved in civic organizations. A native of southern California, Mr. Tyner now resides in Fairfield, CA with wife Kathy of 27 years and has two college age children.