Waterfield Bank is a Waterfield Family Company. Waterfield Group is one of the largest private financial services organization in the United States. Other Waterfield Family Companies include American Partners Bank, Waterfield Mortgage, Waterfield Technologies, Waterfield Capital, Waterfield Financial Services, Affinity Financial Corporation, Inc., and Waterfield Enterprises, LLC, a venture capital and merchant banking concern.
In January 2008, the Bank was acquired by Affinity Financial Corporation, a Waterfield Family Company, and was subsequently re-named Waterfield Bank. This enabled the Bank to enhance and develop the range of financial services offerings to serve businesses, professionals and individuals in and around the communities it serves.
Waterfield Bank currently has banking services and operations in Irvine, CA.
J. Randall Waterfield, CFA
Mr. Randall Waterfield, CFA is the co-founder, co-chairman and co-chief executive officer of Affinity Financial Corporation. Prior to AFC, Mr. Waterfield was at Goldman Sachs & Co., where he worked as an institutional asset manager responsible for small capitalization growth portfolios totaling $1.0 billion. He also serves as a principal of Waterfield Enterprises, LLC, and Fife Waterfield, LLC, both investment companies focusing on private equity and venture capital investments. Mr. Waterfield supports various educational and environmental charities through his involvement in The Waterfield Foundation. He is a Chartered Financial Analyst and graduated from Harvard University. Mr. Waterfield is also the finance chair and a member of the executive committee of the New York City Young Presidents' Organization, New York, New York.
Richard R. Waterfield
Mr. Richard R. Waterfield is co-founder, co-chairman and co-chief executive officer of Affinity Financial Corporation. Mr. Waterfield is also a principal of Waterfield Enterprises, LLC, and a founding principal of Fife Waterfield & Co. Prior to the founding of Waterfield Enterprises, Affinity Financial Corporation, and Fife Waterfield & Co., Mr. Waterfield was an Institutional Equity Advisor at Goldman, Sachs & Co. in New York covering AllianceBernstein L.P., Merrill Lynch & Co., Inc., and American Express Financial Advisors among others. Mr. Waterfield supports various educational and environmental charities through his involvement in The Waterfield Foundation. Mr. Waterfield was trained in bank stock analysis at Prudential Securities under George M. Salem, and is a graduate of Columbia University.
David Brown
Mr. Brown became the executive vice president and chief financial officer of the Company and Bank in October 2008 and acting President of the Bank in May 2009. Mr. Brown is a financial executive with extensive experience with strategic planning and analysis, GAAP accounting and reporting, tax management, asset/liability analysis and control and finance. He is also a Certified Public Accountant. Previously, Mr. Brown was the chief financial officer of National Mercantile Bancorp in Los Angeles (NASDAQ: MBLA) from 2001 to 2007, where he was responsible for all financial functions of the bank holding company and its subsidiary banks, including strategic planning. From 1997 to 2001, he was President of PriVest Bank in Costa Mesa, California, which he founded. Mr. Brown earned a Bachelors of Science degree in business administration from California State Polytechnic University, Pomona, California.
John G. Marino
Mr. Marino is the chief operating officer for Affinity Financial Corporation. Mr. Marino joined AFC/Waterfield Technologies as a project manager in 1999. In 2002, Mr. Marino assumed responsibility for Waterfield Technologies' PMO office, where he was instrumental in developing the structure, procedures, and customer communication tools required to manage AFC & Waterfield Technologies' growing customer base. Throughout his career with AFC and Waterfield Technologies, he has successfully attracted, implemented, and serviced clients such as United Healthcare Services, Inc., GE Capital, U.S. Bank, and Citibank, among others. His efforts have helped earn Waterfield Technologies & AFC its' reputation as an industry leader in financial technology and software systems based implementation. Mr. Marino came to AFC from eMoney Systems where he served as an industry analyst for the e-commerce/payment systems industry.
John E. Karzak
Mr. Karzak is chief marketing officer for Affinity Financial Corporation. In this capacity, Mr. Karzak is responsible for all company marketing functions, including business strategy, partnership management, branding, advertising, performance measurement and analysis and customer loyalty. Mr. Karzak came to AFC from Countrywide Financial Corporation where he was senior vice president of marketing. There he was responsible for strategic development, design, and implementation of all online and offline marketing, advertising, and public relations initiatives for Countrywide's insurance and banking entities. Mr. Karzak has also held senior marketing leadership positions at MBNA America (now Bank of America, N.A.), Wachovia Bank, N.A., Fleet Boston Financial and Harrah's Entertainment.
John Donohue
Mr. Donohue is the Executive Vice-President and Chief Credit Officer of Waterfield Bank. Previously, Mr. Donohue served as President of World Savings and Loan of Colorado (NYSE: GDW). Before World Savings and Loan, he served as EVP of American Savings Bank from October 1993 thru February 1998, as the Lending Portfolio Manager for American Savings bank and its successor, Washington Mutual Bank.
Robert T. Barnum
Mr. Barnum brings over 35 years of experience in corporate finance, real estate and financial institutions operating management experience to the Bank. He has been a private investor in Irvine, California since 1997. Mr. Barnum was the chief operating officer of American Savings Bank, a $20.0 billion California thrift owned by the Robert M. Bass group. He has held other executive positions with First Nationwide Bank, The Krupp Group, and Fannie Mae.
Timothy Chrisman
Mr. Chrisman is the founder and the chief executive officer of Chrisman & Company, Inc., Los Angeles, California, a retained executive search firm founded in 1980 primarily dealing in the financial services industry group, consisting of commercial banks, savings and loans, securities firms, mortgage companies and insurance companies. Mr. Chrisman is also the current chairman of the board of directors of the Federal Home Loan Bank of San Francisco, and has served on that board since 2004. Mr. Chrisman has previously served as Chairman of the board of directors of Hawthorne Savings and Loan and its parent Hawthorne Financial Corporation, as well their successors, Commercial Capital Bancorp, Inc. and Commercial Capital, Inc.
Charless Chamness
Mr. Chamness is president of the National Association of Mutual Insurance Companies ("NAMIC"), Indianapolis, IN., and has served as a director of FCB and APB since 2005. He holds a B. A. degree from Indiana University, Bloomington, IN.
Rob Evans
Mr. Evans has had a 40-year career as a banker and fiduciary. He has been chief executive officer of six banks, in New York, California and internationally. He formerly was a Trustee in managing the United States' interests in the BCCI matter and is currently Trustee on behalf of the BCCI foreign liquidators, Federal Receiver Trustee appointed by the United States District Courts for the District of Columbia, Central District of California, Eastern District of California, Northern District of Oklahoma, Southern District of New York, District of Nevada, District of Arizona, Eastern District of Texas, Western District of Texas, and a California State Court Receiver in a variety of matters.
Mark R. Ruh
Mr. Ruh has been a vice president at Castle Creek Capital LLC, Rancho Santa Fe, California, a private equity firm working exclusively with financial services companies, since 1998. He currently serves on the board of directors and is president of both White River Capital, Inc. and its wholly-owned sub, Union Acceptance Company LLC.
