CHAIRMAN OF THE BOARD
Robert Sarver
Robert G. Sarver launched Torrey Pines Bank in 2003 with Gary Cady. Mr. Sarver has enjoyed a remarkably successful career in banking. Having founded his first bank at the age of 23, Mr. Sarver has held senior management positions for some of the most prominent banks in the western United States. In December 2002, Mr. Sarver became Chairman and CEO of Western Alliance Bancorporation (NYSE: WAL), a holding company consisting of eight banking and financial services affiliates in California, Arizona and Nevada.
He is the founder of Southwest Value Partners and is a director of Meritage Corporation and Skywest Airlines. Mr. Sarver is also the Managing Partner of the National Basketball Association's Phoenix Suns.
PRESIDENT & CEO
Gary Cady
Gary Cady is a long-time San Diego resident who has built a distinguished 30-year career in banking. He spent much of his career with a prominent and successful local financial institution, where he held positions including Vice President and Head of Business Banking. Thereafter, Mr. Cady joined a local community bank as Senior Vice President and Regional Manager for San Diego and Riverside counties.
Mr. Cady serves on the boards of several local not-for-profit organizations including the Grossmont Hospital Corporate Board and the Board of Directors of Sharp HealthCare and Continuous Quality Insurance Corporation. Mr. Cady also serves on the Board of Directors for the San Diego Symphony. The father of five sons, he is an avid supporter of youth sports, serving as a coach and board member on several local Little League baseball teams and basketball leagues.
EXECUTIVE VICE PRESIDENTS
John Maguire
Division Manager
John Maguire is the Executive Vice President/Division Manager and is responsible for corporate sales and distribution. Mr. Maguire has been with Torrey Pines Bank since 2003, in the San Diego banking market since 1985, and has been building local market knowledge and experience throughout his career.
Mr. Maguire provides sales leadership by spearheading initiatives, facilitating training sessions and leveraging best practices across the organization. He is a voting member of the Bank’s loan committee and directs new office locations and staff development. Mr. Maguire’s career began integrating functions of sales, marketing, negotiation and financial evaluation into roles as a credit analyst, account manager, and branch manager. Mr. Maguire was promoted to Vice President, responsible for managing and developing a commercial loan portfolio in excess of $25 million.
John is a member of the East County YMCA Board of Directors and the La Mesa Rotary Club as well as a former Board member of Grossmont Hospital’s Foundation. Mr. Maguire earned a Bachelor’s degree from University of San Diego, in Business Administration. He is also a graduate of Pacific Coast Banking School, in Seattle, WA.
John Massab
Regional Manager
John P. Massab is the Executive Vice President and Regional Manager for the Downtown San Diego market. Mr. Massab has been with Torrey Pines Bank since the Bank was established in 2003.
Mr. Massab brings over 25 years experience in banking and is a special asset to Torrey Pines Bank because nearly all of those years have been advising San Diego businesses and business owners. Downtown San Diego has seen a great deal of change; Mr. Massab has worked side by side with executives and business owners through many economic cycles, and brings that experience and understanding to today’s business leaders and owners.
Mr. Massab commits his time as a Board Member of the Downtown YMCA, helping the organization expand programming and reach. Mr. Massab is active in the Rancho Bernardo community, serving youth baseball programs for 13 years.
John received his Bachelor of Arts degree in Economics and Management from Albion College. Located in Albion, Michigan, the school is known for the prestigious President Gerald R. Ford Institute for Public Policy & Service.
Mr. Massab also holds a Graduate degree from Pacific Coast Banking School, University of Washington, Seattle, WA in 2002.
William McLennan
Head of Real Estate
William A. McLennan joined Torrey Pines Bank in 2003 and is the Executive Vice President and Manager of Real Estate department. Mr. McLennan is responsible for loan production and the strategic direction of the real estate division including project underwriting, streamlining loan processing, administration and client communications.
With 25 years of Real Estate banking and lending experience in both interim and term financing areas across the Western United States, Mr. McLennan brings skills to Torrey Pines Bank that are unmatched in the region. His specialties include advising his team on structuring residential real estate, commercial, office and industrial projects. He brings a wealth of experience having provided financing for a broad spectrum of projects, in term of size and dollars.
Mr. McLennan’s lending experience has helped Torrey Pines Bank to differentiate itself from other large and de novo lenders in its ability to respond quickly to customer’s financing requests.
Mr. McLennan has a Bachelor’s in Arts from the University of California, San Diego and is actively involved with industry related service organizations.
A sense of urgency and responsiveness to the real estate loan approval process is the attribute that Mr. McLennan provides to Torrey Pines Bank and the Real Estate team.
Kristine Price
Executive Vice President
Kristine Price joined Torrey Pines Bank in 2006 as a Senior Vice President and Chief Credit Officer. Ms. Price brings over 20 years experience to her role and is responsible for advising the Bank’s Executive Management team on its asset and credit portfolio. In 2007, Ms. Price was promoted to Executive Vice President. Ms. Price’s primary objective is to bring sophisticated credit measurement and control systems to an expanding banking franchise. As such, Ms. Price serves on the Bank’s asset liability committee as well as creates customized credit policies and procedures. Additionally, Ms. Price evaluates the Bank’s credit delivery systems and provides workflow enhancements that help improve client satisfaction.
Ms. Price is skilled in commercial, real estate and consumer underwriting, credit risk assessment and portfolio management. She conducts audits in the areas of loan documentation review, real estate appraisal reviews and collateral audits to ensure the Bank is compliant with federal, state, local and internal mandates.
Ms. Price earned a Bachelor of Art degree in Economics from San Diego State University. She also graduated from Pacific Coast Banking School at the University of Washington. She has accelerated her education with graduate course work in Finance from San Diego State University and has attended numerous classes in credit-related topics from the American Banker’s Association and California Banker’s Association.
SENIOR VICE PRESIDENTS
Steve Black
SBA Lending
Steve K. Black joined Torrey Pines Bank in 2004 as a Senior Vice President and Senior Lender for the Commercial Real Estate Group. He is responsible for cultivating client relationships seeking commercial real estate opportunities as well as advising clients on related Bank services. Considering Mr. Black’s extensive insights into the San Diego commercial real estate market, he works from the Bank’s Corporate Headquarters in Carmel Valley.
Mr. Black has been in the banking and real estate industry for the past 20 years, holding numerous executive positions including President, for a bank holding company, Executive Vice President, and various Vice Presidency positions prior to joining Torrey Pines Bank. Mr. Black has an impressive background securing Small Business Administration (SBA) financing and other related commercial lending products for his clients. Prior to joining Torrey Pines Bank, he was area manager—responsible for developing, facilitating and supervising all SBA and conventional lending products in the greater San Diego. Under his leadership, his team was also recognized as the number one community bank 504-SBA lender in San Diego County.
Mr. Black attended UCLA; while in college, Steve was All American in soccer, winning a National Championship in 1985. He was also a member of the US National Team.
Phil Fowler
Chief Financial Officer
Phil Fowler is a Senior Vice President & the Chief Financial Officer for Torrey Pines Bank. Mr. Fowler is responsible for the management of the Bank’s financial records, monitoring and reporting. His responsibilities also include managing the Bank’s daily cash position, preparing monthly internal financial statements, accounts payable and prepaid expenses. Mr. Fowler is also responsible for the management of the Bank’s investment portfolio, asset and liability exposure, the budgeting process and deposit rate setting. Mr. Fowler is the primary liaison to financial statement auditors and regulators.
Having strong competencies with computerized online general ledger systems, including M & I and Computer Associates, Mr. Fowler looks forward to bringing a new level of Accounting sophistication to the Bank. Mr. Fowler believes that there is ample room for professional growth while having the ability to leave an imprint with his current role. In lieu of being removed from projects, Mr. Fowler prefers the hands-on environment that Torrey Pines Bank provides; for example, developing new accounting systems to accommodate the new products and services. Mr. Fowler has accountability for aspects outside of Accounting including Media and Investor Relations.
Mr. Fowler earned a Bachelor of Science degree in Accounting from San Diego State University. He serves on the Board of Directors for San Diego Junior Theatre and Torrey Pines Christian Church and in his spare time enjoys the theatre, gardening in addition to playing tennis with his two children.
Timothy Himstreet
Regional Manager
Tim M. Himstreet joined Torrey Pines Bank in 2004 and is a Senior Vice President and Regional Manager for the Golden Triangle office. His banking experience includes 13 years in all aspects of the industry including branch operations, training, platforms and management. Mr. Himstreet is responsible for the financial performance, customer satisfaction and staffing for the office.
With his broad depth of experience in banking, Mr. Himstreet specializes in the area of lending. For business customers he is knowledgeable in commercial lending, lines of credit facilities and equipment leasing financing options. For personal banking relationships he is an expert in residential real estate financing and equity lines of credit. His product knowledge includes regulatory guidelines on the secondary market, Small Business Administration requirements and portfolio lending.
Mr. Himstreet received a Bachelor of Science degree in Business Administration from the University of Nevada, Reno. Mr. Himstreet received a college baseball scholarship and continues his interest in athletics. He is a Board Member of the La Jolla YMCA and National Association of Indoor Office Properties. He is passionate about supporting both non-profit philanthropies as well as the development of businesses to help build strong communities.
Vince Kingsley
Regional Manager, Kearny Mesa Office
Vince Kingsley joined Torrey Pines Bank in 2007 as Senior Vice President and Regional Manager for the Bank’s Kearny Mesa market. Vince brings to the Bank nearly 30 years comprehensive banking experience with expertise in the areas of Management & Operations, client acquisition, and strategic planning and execution.
With a deep understand of the San Diego business community, Mr. Kingsley has worked as a trusted alley with business owners and corporate executives in innumerable economic cycles, and uses his experience and insight to assist today’s business leaders.
Mr. Kingsley’s professional acumen is augmented by his academic achievements including obtaining an AA degree in Accounting; graduating from USD’s Intermediate Banking School and Pacific Coast Bank School and participating in a specialized Commercial Lending Program.
Vince is personally active in the Rancho Bernardo community and anyone who knows him knows that to him ‘Integrity is Everything—A man’s word is the only thing he can carry with him that will always be valued.’ Vince is a Board Member of Heritage Christian School and offers his professional guidance as a member of the Finance committee for Grace Church in Rancho Bernardo.
Stacy Lombardo
Director of Operations
Stacy Lombardo is a Senior Vice President and Director of Operations for Torrey Pines Bank. Ms. Lombardo is responsible for the strategic oversight of the Bank’s operating procedures as well as advising the Bank’s Executive Management team on issues that affect the Bank’s ability to operate soundly. These duties encompass supporting all local distribution centers as well as coordinating with affiliate banks in Arizona, California, and Nevada.
Ms. Lombardo has nearly 20 years experience working in bank operations, including holding such positions as Branch Support Manager, BSA Officer, Operations Compliance Officer and Policy and Procedure Writer. One of the key attributes Ms. Lombardo possesses is an ability to provide structural and procedural integrity for an organization that customizes solutions for customers operating in a vastly changing business environment. This attribute allows the Bank to exceed customer expectations while maintaining a high degree of safety.
Ms. Lombardo was an integral part of the Bank’s 2003 Management team responsible for working with affiliate bank department heads and various vendors in preparation for launching a new financial institution. As such, Ms. Lombardo continues to be an active member of the Bank’s Technology Committee, Bank Secrecy Act Task Force as well as participates in decision-making on issues impacting cross-discipline systems. Additionally, Ms. Lombardo coordinates routine audits and implements new policies and procedures based on audit results and Management recommendations.
A native San Diegan, Ms. Lombardo is active in her son’s school and is an aspiring piano player. Ms. Lombardo describes herself as resourceful, detail-oriented and attributes her success to her ability to do what it takes to get the job done.
Teofla Rich
Head of Private Bank
Teofla Rich joined Torrey Pines Bank in 2003 as Senior Vice President and Private Banking Manager. Ms. Rich is responsible for advising high net worth clients, business owners and corporate executives on banking products and services and coordinating investment and trust services with the Bank’s affiliates.
With thirty plus years in various aspects of banking and as an experienced Private Banker, Ms. Rich understands the financial complexities of business owners and affluent individuals and the personalized service and confidentiality that is required.
Ms. Rich’s career includes holding senior positions in Private Banking, Personal Banking and Business Banking.
Ms. Rich received a Bachelor of Arts in Economics from San Diego State University and received the distinction of Certified Financial PlannerTM, a certification that her customers and employers recognize as value-added specialization.
Since 1998, Ms. Rich has been a member of the Financial Planning Association. She is also a member of the Dean’s Advisory Council for the College of Arts and Letters at San Diego State University. Previous not-for-profit Board involvement included the La Jolla YMCA, the Mingei Museum, the Playwrights, and the Palomar Community College Advisory Council.
Thomas Woolway
Regional Manager, Carmel Valley Office
Thomas M. Woolway has been with Torrey Pines Bank since 2003. As Senior Vice President and Regional Manager, Tom has overall responsibility for the Carmel Valley Office, including the generation of deposits and loans for the bank, client satisfaction, employee training and community involvement.
Mr. Woolway has a 22-year banking career in the San Diego market. He has been a Manager for various local banks, a Regional Bank Manager, and a lender in Private Banking and Commercial real estate.
Prior to his career in financial services, Mr. Woolway served in the U.S. Navy as a Commissioned Officer, retiring at the rank of Commander. He was in active duty for five years and reserve duty for fifteen years, serving as Commanding Officer of two units.
Mr. Woolway received his Bachelors degree in Business Management from Loyola Marymount University in Los Angeles and his Master’s degree in Corporate Finance from University of Southern California. Mr. Woolway earned a certification from the Pacific Coast Banking School at the University of Washington.
In addition to his banking and military careers, Mr. Woolway serves on various Board of Directors including the Arthritis Foundation and the American Heart Association.
VICE PRESIDENTS
Francesca Castagnola
Manager, Symphony Towers Office
Francesca C. Castagnola is Vice President and Office Manager for Torrey Pines Bank’s Symphony Towers location and been with the Bank since 2003.
Ms. Castagnola’s career in banking spans nearly 20 years. Prior to joining Torrey Pines Bank, Ms. Castagnola has held banking management positions with small and large financial institutions in the San Diego market.
Ms. Castagnola is the consummate banking professional, having seen most aspect of the industry, from New Accounts, Customer Service Manager, Personal Banking Officer, Financial Services Representative, and Office Manager. Ms. Castagnola has committed herself to a career in banking and the people she works with. Ms. Castagnola considers herself a Relationship Banker.
Ms. Castagnola received a Bachelor’s degree from the University of San Diego, majoring in Interdisciplinary Humanities with a History emphasis and two minors, Business Administration and Italian.
Ms. Castagnola enjoys every aspect of her personal and professional life and subscribes to the adage that “Nothing great was ever achieved without enthusiasm.” (Emerson).
Ruth Danielson
Cash Management Sales Manager
Ruth Danielson is a Vice President and the Sales Manager for the Bank’s Cash Management team. Ms. Danielson brings nearly 25 years banking experience to her position, of which the last ten years has focused on serving the banking needs of business clients. In her role as Sales Manager, Ms. Danielson is responsible for assisting business customers in evaluating their electronic banking services. Additionally, she advises customers on best practices to help them streamline processes while maximizing usage of their funds.
Ms. Danielson understands the complexities of sophisticated cash management solutions and partners closely with Bank professionals to encourage continuity of service for Bank customers. Ms. Danielson provides support to help customers effectively collect receivables, manage payable, monitor account activity and maximize investments.
Ms. Danielson augments her professional experience with professional training through the American Institute of Banking. She was an instructor for AIB for several years teaching Principles of Banking.
Ms. Danielson enjoys providing the highest level of customer service and believes that personal integrity is one of the most vital attributes she possesses.
John Harelson
Manager, Carlsbad Office
John C. Harelson joined Torrey Pines Bank in 2005 as a Senior Commercial Lender. Mr. Harelson was soon promoted to the role of Vice President and Market Manager for the Bank’s North Coastal region in 2006. Mr. Harelson is committed to helping San Diego firms grow. He has worked in Commercial Lending and Business Development as well as chartered several small business banking groups.
In his current role Mr. Harelson aids business owners in securing working capital, equipment and real estate financing. Mr. Harelson assumes an advisory approach to helping clients by discussing specific industry trends and opportunities. He specializes in cash management and international trade to and from the European Union, Pacific Rim and other regions. Mr. Harelson has become an expert in working with the San Diego Action Sport market.
Mr. Harelson graduated from Oregon State University, majoring in Finance with a minor in Behavioral Sciences. In addition, he graduated from the University of Washington’s Pacific Coast Banking School.
Active in the Association for Corporate Growth, Corporate Finance Council, and previously in the Treasury Management Association, Mr. Harelson gives back to the industries he serves. He also serves the community with his involvement in the Carlsbad Boys & Girls Club on the Executive Committee and in prior years, the San Dieguito Boys & Girls Club and the American Field Service Foreign Exchange program.
Kerry K. Kirby
Human Resources Manager
Kerry K. Kirby is the Vice President of Human Resources and has been with Torrey Pines Bank since 2005. She is responsible for attracting top talent to further the growth efforts of the organization. Additionally, Ms. Kirby is responsible for human resources administration functions including supervising, recruiting, and training staff, as well as employee and community relations. With a broad spectrum of disciplines, Ms. Kirby has been strategically positioned to provide counsel and leadership at every level in a vastly growth oriented organization.
Being charged with the Bank’s recruitment efforts, Ms. Kirby employs successful recruitment tactics to attract and retain high performing employees including the utilization of technology to aid in the evaluation and hiring process.
Ms. Kirby is passionate about recognizing high performing employees and has successfully launched The Torrey Pines Times and the Star Awards to address employee recognition.
Torrey Pines Bank was named the Employer of Choice in November 2006, by the San Diego Society for Human Resources Management. In winning the Workplace Excellence Award, Torrey Pines Bank was the first San Diego bank to ever receive this honor.
Kerry earned a Bachelor of Arts degree in Psychology from San Diego State University. She holds several professional certifications including the valued Human Resource Management (HRM) Certification.
Ms. Kirby is active in SHRM, Rotary International, Rancho Bernardo and as a Rotary Club Board Member. She also is active in multiple non-profit and youth-oriented clubs in the San Diego region.
Robert McNamara
Manager, La Mesa Office
Robert J. McNamara joined Torrey Pines Bank in 2005 and is the active manager of the La Mesa office. He has worked for the past twenty one years cultivating client relationships as a commercial lender in the greater East County area. Mr. McNamara has an extensive background in lending, credit administration and branch operations. To ensure that Mr. McNamara is conveniently accessible to his clients he works from the Bank’s La Mesa office.
As a commercial bank manager, Mr. McNamara has developed and managed commercial loan portfolios for small and large capital companies. In addition to advising private middle market companies on banking solutions for their business, he advises corporate executives on their personal financial matters and serves as a liaison for his clients to the Bank’s investment services group.
Mr. McNamara earned a Bachelor of Science degree in Business Administration, with an emphasis in Finance, from San Diego State University. He also completing the NASD Series 6 and 63 as well as received a Certificate in Marketing and E-Commerce, from the College of Extended Studies at San Diego State University.
Mr. McNamara is active in the East County Chamber of Commerce and coaching youth sports. He previously served as a Board Member for the Charles Cheneweth Foundation.
Rosemary von Kluegl
Head of Compliance
Rosemary von Kluegl is a Vice President and Head of Compliance for Torrey Pines Bank. Ms. von Kluegl is responsible for ensuring the Bank is compliant with all federal, state and local regulatory requirements. Ms. von Kluegl is also responsible for the internal dissemination of information pertaining to the FDIC and DFI regulatory agency standards. To ensure that the Bank is compliant with regulatory requirements, Ms. von Kluegl is also responsible for coordination of internal audits as well as scheduled monitoring of departments including Operations, Lending, and Marketing.
Ms. von Kluegl has oversight of all consumer loan products and tracks the data for regulatory regulations including HMDA, Regulation D, and CRA. Additionally, Ms. von Kluegl coordinates all client communications for non-approved loan files.
In 2006 Ms. von Kluegl participated in the American Banker’s Association’s Compliance School. She also participates in the California Banker’s Association and Banker’s Consulting Group’s training seminars and annual conferences. In 1995 she earned a certificate in Banking & Finance from Grossmont College.
Ms. von Kluegl brings over 30 years of banking experience and her experience helps shape her life’s motto: Stay cool & have fun—don’t sweat the small stuff.
Crystal Watkins
Director of Marketing & Community Reinvestment
Crystal L. Watkins joined Torrey Pines Bank in November, 2005 as Vice President, Director of Marketing & Community Reinvestment.
Ms. Watkins brings to Torrey Pines Bank over thirteen years sales and marketing experience in the financial services community, including managing marketing activities for the high net worth market, retail segment and underserved communities. She has had international responsibility for internal, external and client communication strategies spanning 160 distribution centers.
Ms. Watkins holds a Master of Science degree in Marketing Communications from Illinois Institute of Technology and a Bachelor of Arts degree in History from the University of Wisconsin, Madison.
Coming to San Diego from Chicago, IL, Ms. Watkins served various notable Chicago not-for-profit organizations including Northwestern Memorial Hospital’s foundation and Literacy Chicago.
Ms. Watkins has been featured in Chicago magazine and quoted in Crain’s Chicago Business Journal. The consummate marketer, she believes that life is long so you should be passionate about what you do.
