Members of the NCUA Board
The Honorable Todd M. Harper
Todd M. Harper was nominated to serve on the NCUA Board on February 6, 2019. The U.S. Senate confirmed him on March 14, 2019, and he was sworn in as a member of the NCUA Board on April 8, 2019. President Joseph R. Biden, Jr., designated him as the NCUA’s twelfth Chairman on January 20, 2021.
As NCUA Board Chairman, Mr. Harper serves as a voting member of the Financial Stability Oversight Council and represents the NCUA on the Federal Financial Institutions Examination Council and the Financial and Banking Information Infrastructure Committee.
Prior to joining the NCUA Board, Mr. Harper served as director of the agency’s Office of Public and Congressional Affairs and chief policy advisor to former Chairmen Debbie Matz and Rick Metsger. He is the first member of the NCUA’s staff to become an NCUA Board Member and Chairman.
Mr. Harper previously worked for the U.S. House of Representatives as staff director for the Subcommittee on Capital Markets, Insurance, and Government-Sponsored Enterprises and as legislative director and senior legislative assistant to former Rep. Paul Kanjorski (D-Pennsylvania). In these roles, he contributed to every major financial services law, from the enactment of the Gramm-Leach-Bliley Financial Services Modernization Act in 1999 through the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010.
During the Great Recession, Mr. Harper coordinated the first congressional hearing to explore the creation of a Temporary Corporate Credit Union Stabilization Fund. He also spearheaded staff efforts in the U.S. House to secure enactment of a law to lower the costs of managing both the Corporate Stabilization Fund and the National Credit Union Share Insurance Fund.
Mr. Harper led staff negotiations over several sections of the Dodd-Frank Act, including the Kanjorski amendment to empower regulators to preemptively rein in and break up “too-big-to-fail” institutions and proposals to enhance the powers of the Securities and Exchange Commission. He also developed the legislative framework for the bill that created the Federal Insurance Office to monitor domestic and international insurance issues.
Mr. Harper holds an undergraduate degree in business analysis from Indiana University’s Kelley School of Business and a graduate degree in public policy from Harvard University’s Kennedy School of Government.
The Honorable Kyle S. Hauptman
Kyle S. Hauptman was nominated to serve on the NCUA Board on June 15, 2020. The U.S. Senate confirmed him on December 2, 2020, and he was sworn in as a member of the NCUA Board on December 14, 2020. The NCUA Board approved his designation as Vice Chairman of the NCUA on December 18, 2020.
Prior to his joining the NCUA Board, Mr. Hauptman served as Senator Tom Cotton’s (R-Arkansas) advisor on economic policy, as well as Staff Director of the Senate Banking Committee’s Subcommittee on Economic Policy.
Previously, Mr. Hauptman was Senior Vice President at Jefferies & Co. He worked at Lehman Brothers as a bond trader in New York City as well as in their international offices in Tokyo and Sydney, and served as a voting member on the U.S. Securities and Exchange Commission Advisory Committee on Small and Emerging Companies.
Mr. Hauptman served on President Donald J. Trump’s transition team in 2016 and was Senator Mitt Romney’s (R-Utah) policy advisor for financial services during the 2012 presidential campaign.
Mr. Hauptman holds a Master’s in Business Administration from Columbia Business School and a bachelor of arts from University of California, Los Angeles.
The Honorable Rodney E. Hood
President Donald J. Trump nominated Rodney E. Hood for the NCUA Board on January 19, 2019. The U.S. Senate confirmed him on March 14, 2019, and he was sworn in as the eleventh NCUA Chairman on April 8, 2019. Mr. Hood served as the NCUA’s Chairman until January 25, 2021.
As a Board Member, Mr. Hood serves as the NCUA’s representative on the Board of Directors of NeighborWorks America, one of the nation’s leading affordable housing and community development organizations. This is his second time serving as the agency’s representative on the board of NeighborWorks.
Mr. Hood was previously nominated to the NCUA Board by former President George W. Bush and served from November 2005 until August 2009. During his first term on the Board, he was appointed Vice Chairman.
Immediately prior to rejoining the NCUA Board in 2019, Mr. Hood served as a corporate responsibility manager for JPMorgan Chase, managing national partnerships with non-profit organizations, financial regulators, and community stakeholders to promote financial inclusion and shared prosperity in underserved communities throughout the United States.
His previous experience includes serving as associate administrator of the Rural Housing Service at the U.S. Department of Agriculture. In this role, he helped to address the housing needs in rural communities and administered the agency’s $43 billion mortgage portfolio.
Prior to his public service, Mr. Hood served as marketing director and group sales manager for the North Carolina Mutual Life Insurance Company in Durham, North Carolina. He also served as national director of the Emerging Markets Group for Wells Fargo Home Mortgage and served on the board of the Wells Fargo Housing Foundation. Earlier in his career, he worked for Bank of America as a Community Reinvestment Act officer and completed the management development program at G.E. Capital.
In addition to his public and private sector service, Mr. Hood served as a member of the University of North Carolina at Chapel Hill Board of Visitors and as member of the UNC School of Arts Board of Trustees. He also served as a member of the Board of Trustees for the North Carolina Museum of Art and as a member of the Board of Governors for the University of North Carolina College System. Mr. Hood is a member of the Young Global Leader in the World Economic Forum and is a Young Leader in the American Council on Germany.
Mr. Hood’s professional awards include being named one of the “40 Young Leaders Under the Age of 40” by the Triangle Business Journal in Raleigh, North Carolina. He is the first recipient of the “Dream Award,” an award given by the Wells Fargo Housing Foundation to honor individuals who have exhibited an outstanding commitment to affordable housing.
A native of Charlotte, North Carolina, Mr. Hood holds a bachelor’s degree in business, communications, and political science from the University of North Carolina at Chapel Hill.
Senior Board Staff
Chief of Staff to the NCUA
Catherine D. Galicia
Catherine D. Galicia serves as the NCUA's Chief of Staff. Prior to being named to this position, she served then-Board Member Harper as his Senior Policy Counsel.
Ms. Galicia has wide-ranging experience in financial services policy, including subject matter expertise in consumer financial protection, and the legislative and rulemaking processes. During her 15 years on Capitol Hill, Ms. Galicia gained bicameral Congressional experience working for Chairmen Christopher J. Dodd and Tim Johnson as Counsel on the Senate Banking Committee; Senator Evan Bayh as staff director of the International Trade and Finance Subcommittee and Banking Committee Counsel; Congressman Jim Maloney as legislative director and financial service policy aide; and Congresswoman Nydia M. Velazquez as legislative director and financial service policy aide.
She distinguished herself during her tenure on the Hill through work on major pieces of financial services legislation including the Credit Union Membership Access Act, the Gramm-Leach-Bliley Act, and the Sarbanes-Oxley Act. While serving as Counsel for Banking Committee Chairman Dodd, Ms. Galicia was an integral part of the team that led staff negotiations and the drafting of Title X of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act, which created the Consumer Financial Protection Bureau.
Ms. Galicia later served as the head of the Office of Legislative Affairs under three directors at the Consumer Financial Protection Bureau. In this role, she managed the CFPB’s communications and interactions with Congress.
Ms. Galicia also worked for Banco Popular as Vice President for Government Affairs, where she led the bank’s Washington office. She served on the Board of Women in Housing and Finance during that time.
Ms. Galicia holds a bachelor’s degree in history from the University of Connecticut and a Juris Doctor degree from Rutgers University School of Law. She is a member of the Massachusetts Bar Association.
Sarah Bang serves as senior advisor to Vice Chairman Kyle S. Hauptman. Ms. Bang is a credit union system veteran with nearly 40 years of experience at all levels of the industry. Prior to retiring in 2017, she was the Executive Vice President of Industry Relations at CO-OP Financial Services.
Prior to joining CO-OP, she was the President/CEO of Financial Service Centers Cooperative Inc., (FSCC) a credit union shared branching and payments network with branches in all fifty states and five countries. FSCC was in six states with less than 100 branches when she became CEO. During her tenure, FSCC grew to over 3,300 branches and 2,200 full service financial kiosks giving 50 million members real-time access to their credit union accounts.
While at FSCC, Ms. Bang leveraged the shared branch technology to include P2P text banking, 24-hour call center services, remote deposit capture services and more. She also converted FSCC from a for profit structure to a cooperative to maximize engagement and benefits for owners.
Ms. Bang’s previous experience includes management of credit union service organizations including a regional shared branch and ATM network, an item processing center and companies providing insurance, mortgage processing, call center, and auditing services to credit unions. She was a frequent speaker at conferences around the country and facilitated dozens of strategic planning sessions for institutions of all sizes.
In 2014, she received one of the highest honors in the credit union movement – the Herb Wegner Memorial award. Ms. Bang is a graduate of the University of Wisconsin-Madison.
H. Lenwood Brooks, V
H. Lenwood Brooks, V, serves as senior advisor to Board Member Rodney E. Hood. He previously served as chief of staff for Chairman Hood and director of the Office of External Affairs and Communications. Prior to joining the agency, Mr. Brooks served as vice president of communications for the Securities Industry and Financial Markets Association. There, he led the association’s external affairs activities.
Mr. Brooks previously worked on Capitol Hill for Senator Roger F. Wicker (R-Miss.), where he advised Senator Wicker and counseled him during his service on the Senate Banking, Housing, and Urban Affairs Committee.
Mr. Brooks holds an undergraduate degree from the University of Mississippi in managerial finance and insurance/risk management. He holds a master’s degree in economic and workforce development from the University of Southern Mississippi. Mr. Brooks also holds a certificate from the Securities Industry Institute, an executive education program at The Wharton School of the University of Pennsylvania.
NCUA’s Senior Leadership
Larry Fazio is the Executive Director of the NCUA. As Executive Director, he is responsible for the day-to-day operation of the federal agency that charters and supervises the nation's federal credit unions and insures the vast majority of credit union member deposits.
Prior to being named Executive Director, Mr. Fazio was the Director of the Office of Examination and Insurance for the NCUA. He joined the NCUA in 1991 as an examiner in Chicago. During his career, he has served as a Supervision Analyst, a Supervisory Examiner in Detroit, the Director of Supervision in the former-Chicago regional office, the Director of Risk Management in the Office of Examination and Insurance, the Deputy Director of the Office of Examination and Insurance, and the NCUA's Deputy Executive Director.
Mr. Fazio graduated from Lewis University with a degree in accounting, and has a Master's degree in Organizational Management from George Washington University.
Deputy Executive Director
Rendell L. Jones
Rendell L. Jones is the Deputy Executive Director for the NCUA. In this position, he is responsible for overseeing the day-to-day administrative operations of the agency and other special programs within NCUA, including the low-income credit union and consumer financial protection initiatives.
Prior to his appointment as Deputy Executive Director, Mr. Jones served as the agency's Chief Financial Officer. He joined the NCUA from U.S. Citizenship and Immigration Services, where he was Associate Director for Management and served as the Agency’s Acting Deputy Director from December 2013 to July 2014. Rendell also served as USCIS’s Chief Financial Officer. He previously served as Deputy Budget Director at the Department of Homeland Security. His career in federal service began in 1996 at the Department of Justice.
Mr. Jones holds a master’s degree in public administration from North Carolina State University and a bachelor of science degree in finance from Virginia Commonwealth University. He received the Presidential Rank Medal for Meritorious Service and the Secretary’s Silver Medal for his service at the Department of Homeland Security.
Director, Office of Examination and Insurance
Kelly Lay is the NCUA’s Director of the Office of Examination and Insurance. In this role, Ms. Lay oversees the NCUA’s examination and supervision program, which ensures the safety and soundness of the credit unions system and manages risk to the National Credit Union Share Insurance Fund.
Before becoming the Director of the Office of Examination and Insurance, Ms. Lay served as the Director of the Office of Business Innovation and the NCUA’s Chief Data Officer. She was also instrumental in guiding the development of the NCUA’s new examination system, the Modern Examination & Risk Identification Tool or MERIT.
Ms. Lay previously served as the Associate Regional Director of Programs in the former-Region II office from 2010–2016. She has also worked in the former-Region V office as the Director of Supervision from 2006–2009 and as the Director of Insurance when the office first opened in 2004. Additionally, she held various positions in the former-Chicago region, including examiner, Supervision Analyst, and Director of Supervision.
Ms. Lay began her career with NCUA in 1996 after graduating from Illinois State University with a Bachelor of Science degree in Finance. She earned her Certified Public Accountant certificate in Illinois in 2002.
Director, Office of Business Innovation
Amber Gravius is the NCUA’s Director of the Office of Business Innovation and Chief Data Officer. In this role, Ms. Gravius is responsible for working with stakeholders to deliver improved business processes with secure, innovative, and reliable technology solutions and data to support the NCUA mission.
Prior to her selection as Business Innovation Director, Ms. Gravius served as Acting Business Innovation Director and as a Supervisory Special Assistant for Business Innovation representing stakeholders in the development of NCUA’s new Modern Examination and Risk Identification Tool or MERIT. She joined NCUA in 1999 as a credit union examiner and served as a Supervision Analyst, Risk Management Officer, Loss Risk Analysis Officer, and Supervisory Examiner before joining the Office of Business Innovation.
Ms. Gravius holds a bachelor’s degree in accounting and business administration from Thiel College in Greenville, Pennsylvania, and a Master of Business Administration with a concentration in information technology from Keller Graduate School of Management.
Director, Eastern Region
John Kutchey is the Regional Director for the NCUA's Eastern Region. As Regional Director, he oversees the examination and supervision of federally insured credit unions in Connecticut, Delaware, the District of Columbia, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia.
Prior to his appointment as Regional Director, Mr. Kutchey served as the agency's Deputy Executive Director for the NCUA. Within the NCUA, he has also held positions as Director of Risk Management and then-Region II's Director of Supervision. He also served as a Supervisory Examiner, a Problem Case Officer and a Principal Examiner. Prior to joining the agency, he worked for various credit unions.
Mr. Kutchey graduated Magna Cum Laude from the University of Baltimore with a degree in business administration.
Director, Southern Region and President, AMAC
Keith Morton serves as the Regional Director for the Southern Regional office in Austin, Texas. As Regional Director, Mr. Morton oversees the examination and supervision of all federally insured credit unions in Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, Puerto Rico, South Carolina, Tennessee, Texas, and the U.S. Virgin Islands.
Mr. Morton is also the President of the Asset Management and Assistance Center (AMAC). As President, Mr. Morton serves as the key advisor to the NCUA Board on AMAC matters, including liquidation payouts, managing assets acquired from liquidations and management of recoveries for the National Credit Union Share Insurance Fund. AMAC also provides assistance and advice pertaining to conservatorships, real estate and consumer loans, appraisals, bond claim analysis, and reconstructing accounting records.
Mr. Morton's career began in December 1986 as a field examiner in Washington, D.C. He also was a Problem Case Officer prior to moving into management in 1994. He spent nearly eight years in management roles in then-Region II (Alexandria, Virginia) as a Supervisory Examiner, Director of Special Actions, and Director of Supervision prior to joining the Western Region as Associate Regional Director in 2002.
A native of Silver Spring, Maryland, Mr. Morton holds an accounting degree from Frostburg State College.
Director, Western Region
Cherie Freed is the Regional Director of the NCUA’s Western Region, located in Tempe, Arizona. As Regional Director, she oversees the examination and supervision of federally insured credit unions in Alaska, Arizona, California, Colorado, Guam, Hawaii, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming.
Prior to being selected as Regional Director in 2016, Ms. Freed served as the Associate Regional Director for the region. She also previously served as the Director of Supervision and as the Loss-risk Analysis Officer in the NCUA’s Office of Examination and Insurance. Ms. Freed began her career in 1987 as an examiner in Phoenix. In 1991, she became a Problem Case Officer and later a corporate examiner.
Before joining the NCUA, Ms. Freed served as the Controller for a manufacturing company in Phoenix. Throughout her NCUA career, Ms. Freed received numerous awards and recognition, including the Specialized Examiner of the Year in 2009 and Supervisor of the Year in 2010.
Ms. Freed holds a bachelor of science in accounting from Northwest Missouri State University.
Director, National Examinations and Supervision
Scott Hunt was appointed Director of the Office of National Examinations and Supervision effective January 1, 2013. Prior to the establishment of ONES, Mr. Hunt was appointed as the Director of the then-Office of Corporate Credit Unions on September 24, 2009, after serving as Acting Director and Special Assistant to the Acting Director during the first eight months of 2009.
Mr. Hunt initially joined the NCUA as an examiner in Washington, D.C. in 1989. He subsequently held the positions of Supervision Analyst, Director of Insurance, and Associate Regional Director of Operations in the then-Region II. In the NCUA's headquarters office, Mr. Hunt served as a Senior Investment Officer in the Office of Capital Markets and Planning before returning to then-Region II as the Associate Regional Director of Programs in January 2005.
Mr. Hunt holds an accounting degree from Penn State University and an MBA from George Mason University in Virginia. He is a CPA and CFA charter holder.
Frank Kressman serves as the agency’s General Counsel and leads the NCUA’s Office of General Counsel. This office’s duties include representing the agency in litigation, executing administrative actions, interpreting the Federal Credit Union Act and the NCUA’s rules and regulations, processing Freedom of Information Act requests, advising the NCUA Board and the agency on general legal matters, and maintaining the agency’s records management program. The General Counsel’s office also drafts regulations designed to ensure the continued safety and soundness of the credit union system.
Before his selection as General Counsel, Mr. Kressman served as a Deputy General Counsel to the NCUA. He joined the agency in 1998 as a staff attorney. His previous experience includes work as an attorney at the Federal Deposit Insurance Corporation and the Commodity Futures Trading Commission.
Mr. Kressman holds a bachelor’s degree from Dickinson College in Carlisle, Pennsylvania, a Juris Doctor from the Gonzaga University School of Law in Spokane, Washington, and a Master of Laws degree from The American University Washington School of Law in Washington, D.C.
Director of External Affairs and Communications
Elizabeth A. Eurgubian
Elizabeth A. Eurgubian serves as the Director of External Affairs and Communications and Policy Advisor, where she oversees the agency’s communications, website operations, and congressional outreach efforts.
Prior to joining the NCUA, Ms. Eurgubian was the deputy chief advocacy officer and senior counsel for regulatory and executive branch relations at the Credit Union National Association. Ms. Eurgubian also previously worked at the Independent Community Bankers of America, where she served as vice president & senior regulatory counsel overseeing advocacy on consumer protection regulatory issues. She also worked as assistant general counsel for Sallie Mae, Inc. and as an attorney for the Board of Governors of the Federal Reserve System. Prior to her legal work at the Federal Reserve, she was the assistant director of legislative affairs for the National Mental Health Association and worked as a law clerk for the U.S. House of Representatives Office of the General Counsel.
Ms. Eurgubian earned her law degree from American University, Washington College of Law, and her bachelor’s degree in international relations from the University of Southern California.
James Hagen serves as the Inspector General for the National Credit Union Administration. As Inspector General, he oversees the accountability, integrity, and efficiency of the NCUA's programs and operations.
Mr. Hagen joined the NCUA in 2005 as the Assistant Inspector General for Audit, and served as the agency's Deputy Inspector General from 2010 until his selection as Inspector General in 2013. As Deputy Inspector General, Mr. Hagen was responsible for auditing and evaluating NCUA's programs, as well as overseeing the NCUA's efforts to maintain the safety and soundness of federal credit unions and the National Credit Union Share Insurance Fund. As the Inspector General, he is responsible for keeping the U.S. Congress informed of his office's audit efforts on such matters as the agency's Financial Statement Audit, Federal Information Security Management Act reviews, Material Loss Reviews of failed credit unions, and discretionary program audits.
Mr. Hagen has spent the majority of his federal government career in the Inspector General community having held management positions at the Offices of Inspector General at the U.S. Postal Service, the Social Security Administration, and the Department of the Treasury.
Mr. Hagen holds a bachelor's degree in marketing and management from the University of Baltimore. He is a member of the Institute of Internal Auditors, and is certified as an Inspector General, a Government Financial Manager, and a Fraud Examiner.
Chief Ethics Counsel
Elizabeth Fischmann serves as Chief Ethics Counsel. In this role, she oversees the Office of Ethics Counsel, which certifies the agency’s compliance with relevant federal ethics laws and regulations, promotes accountability and ethical conduct, and helps ensure the success of the NCUA’s ethics programs, including programs designed to prevent harassment and misconduct in the workplace.
Ms. Fischmann previously served as the Associate General Counsel, Ethics, and Designated Agency Ethics Official for the U.S. Department of Health and Human Services, administering the HHS-wide ethics program, and supervising the implementation of the HHS ethics program. Her professional experience includes serving as an Associate Counsel at the U.S. Office of Government Ethics and Deputy Counsel for the U.S. Department of the Navy.
Ms. Fischmann attained a Juris Doctorate from Georgetown University Law Center and a Bachelor of Arts from the University of Virginia. She is a member of the District of Columbia Bar and Maryland Bar.
Director, Office of Minority and Women Inclusion
Miguel A. Polanco serves as the NCUA’s Director of the Office of Minority and Women Inclusion. As Director, Mr. Polanco oversees the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to develop and promote standards for workforce diversity, supplier diversity, and equal employment opportunity and assess the diversity policies and practices throughout the credit union industry.
Mr. Polanco was named Deputy Director for the NCUA’s Office of Minority and Women Inclusion in 2018. He joined the NCUA in 2011, managing the agency’s supplier diversity program. He previously worked for the Small Business Administration under the 8(a) program overseeing a portfolio of more than 50 participating small businesses.
A native of San Juan, Puerto Rico, Mr. Polanco served in uniform as a U.S. Army intelligence officer. He is a graduate of the United States Military Academy at West Point, as well as the Kellogg Graduate School of Management at Northwestern University.
Chief Financial Officer
Eugene H. Schied is the NCUA’s Chief Financial Officer. In this role, he oversees the daily financial operations of the National Credit Union Share Insurance Fund and the NCUA Operating Fund. He leads a team of over 50 dedicated staff who perform essential functions, including accounting and financial reporting, enterprise risk management, strategic and performance planning, budgeting, procurement, facilities and logistical support, the administration of credit union operating fees, and Share Insurance Fund capitalization deposits and operations.
He previously served as the agency’s Acting Chief Financial Officer and Deputy Chief Financial Officer. He joined the NCUA in March 2017.
Mr. Schied has been a senior executive in the federal government for more than 20 years. His prior executive positions include Assistant Commissioner for Administration at the U.S. Customs and Border Protection; Budget Director and Deputy Chief Financial Officer at the Department of Homeland Security; Deputy Assistant Attorney General/Controller at the Department of Justice; and Chief Financial Officer at the Drug Enforcement Administration.
He received the Presidential Rank Medal for Meritorious Service in 2006. His career in federal service began in 1992 at the Department of Justice as a Presidential Management Intern.
Mr. Schied holds a Master of Public Administration degree from Ohio State University and a Bachelor of Arts degree in political science from the University of Iowa.
Chief Information Officer
Robert Foster is the NCUA’s Chief Information Officer. In this role, he is responsible for leading the IT workforce, establishing the organization’s IT strategy and roadmap, and safeguarding, operating, and maintaining its technology resources.
Prior to being named CIO, Mr. Foster served as the NCUA’s Deputy Chief Information Officer. Prior to coming to the NCUA, he served as Chief Information Officer with the Department of the Navy, acting as the senior official and advisor on a variety of matters relating to information management, resources, and technology. Mr. Foster previously served as Deputy Chief Information Officer at the Department of Health and Human Services and at U.S. Immigration and Customs Enforcement. He retired from the U.S. Navy in 2007, after a 21-year career.
Mr. Foster holds a bachelor’s degree in business administration from the University of Florida and a master’s degree in information technology management from the Naval Postgraduate School. He also holds professional certificates from the Department of Defense, the National Defense University, and George Washington University.
Director, Office of Consumer Financial Protection
Matthew J. Biliouris
The Office of Consumer Financial Protection is led by Matthew J. Biliouris. Prior to assuming this leadership role, Mr. Biliouris had served as the office's Deputy Director since 2013. As Director of the Office of Consumer Financial Protection, he is charged with overseeing the agency's consumer financial protection policy and rulemaking efforts, fair lending examination program, and interagency coordination on consumer financial protection compliance matters. He is also responsible for the agency's Consumer Assistance Center and its financial literacy outreach program.
Mr. Biliouris began his career with the NCUA in 1992, as an examiner in Portland, Maine and then Virginia Beach, Virginia. During his 26-year career with the NCUA, he has served as a Supervision Analyst in the then-Region II office; Information Systems Officer and Program Officer in the Office of Examination and Insurance; Special Assistant to the Executive Director, and Director of Supervision in the Office of Examination and Insurance. Mr. Biliouris has also served as a Special Assistant to former NCUA Board Member Michael Fryzel during his term as Chairman of the NCUA.
Chief Human Capital Officer
Towanda Brooks is the NCUA’s Chief Human Capital Officer and Director of the NCUA’s Office of Human Resources. Ms. Brooks oversees this office, which provides a full range of human resource support to all NCUA employees. The office administers recruitment and merit promotion, position classification, compensation, employee records, training and development, employee benefits, employee relations, and labor relations programs.
Prior to coming to the NCUA, Ms. Brooks served as Chief Human Capital Officer for the Department of Housing and Urban Development. Her career includes service in human resources at the Department of Commerce, the National Nuclear Security Administration, the Department of Homeland Security, the U.S. Secret Service, the Department of Agriculture, and the Library of Congress.
Ms. Brooks holds a bachelor’s degree from George Mason University and a master’s degree from The American University. She also received a professional certificate in executive leadership from Georgetown University.
Director, Credit Union Resources and Expansion
Martha Ninichuk serves as the Director of the Office of Credit Union Resources and Expansion. In this role, Ms. Ninichuk is responsible for chartering and field-of-membership matters, low-income designations, charter conversions and bylaw amendments. Her office also provides online training to credit union board members, management and staff, and technical assistance through grants and loans funded by the Community Development Revolving Loan Fund. Additionally, Ms. Ninichuk oversees the agency’s minority depository institutions preservation program.
With more than 25 years of credit union experience, Ms. Ninichuk held a number of leadership positions in both the U.S. and international credit union systems. She joined the NCUA in April 2012 as the Deputy Director of the then-Office of Small Credit Union Initiatives. Prior to joining the NCUA, she worked at the Michigan Credit Union League, the Maryland and D.C. Credit Union Association, and the World Council of Credit Unions. She was also the manager of St. Cletus Credit Union, a small, faith-based institution located in Warren, Michigan.
Ms. Ninichuk holds a Bachelor of Arts from Michigan State University.
Director, Office of Continuity and Security Management
Kelly Gibbs joined the National Credit Union Administration as the Director of Continuity and Security Management in April 2018. As the NCUA’s top security official, Ms. Gibbs develops and implements the agency’s personnel security, physical security, continuity of operations, emergency management, and intelligence programs.
Ms. Gibbs joined the NCUA from the United States Securities and Exchange Commission (SEC), where she served as Chief of the Office of Security Services. In this role, she was responsible for the oversight of the personnel security, physical security, continuity of operations, emergency management, insider threat, and safety programs. Ms. Gibbs joined the SEC in 2012 as a personnel security specialist before being promoted to Branch Chief of Personnel Security Operations and ultimately to Chief of the Office of Security Services.
From 2006 to 2012, Ms. Gibbs served as a Special Agent, Supervisory Agent-in-Charge, and as an Inspector at the U. S. Office of Personnel Management responsible for conducting background investigations and conducting reviews of personnel security offices through the federal government.
She started her federal career in 2003 working for the United States Postal Service in various roles in the Privacy Office and United States Postal Inspection Service.
Prior to working for the federal government, Ms. Gibbs worked as a private investigator in Las Vegas, Nevada, and Seattle, Washington. She is originally from Las Vegas, Nevada and has a bachelor’s degree in criminal justice from the University of Nevada, Las Vegas.
Andrew Leventis is the NCUA’s Chief Economist. In this role, he supports the NCUA’s safety and soundness mission by developing and distributing economic intelligence for NCUA’s offices and leadership. He is also the director of the Office of the Chief Economist, which enhances the NCUA’s understanding of emerging microeconomic and macroeconomic risks and participates in the development of agency and interagency policy.
Before joining the NCUA, Mr. Leventis served as Deputy Chief Economist with the Federal Housing Finance Agency. Prior to his government service, he had extensive private-sector experience as an economist and decision engineer.
Mr. Leventis holds master’s and doctoral degrees in economics from Princeton University and a bachelor’s degree in quantitative economics from Stanford University.