Board of Directors and Staff
Jason Andrade is the Director of Financial Services at Compass Working Capital. Compass Working Capital is a nonprofit financial services firm focused on providing savings and financial coaching programs that support families with low incomes to build assets, achieve their financial goals, and become financially secure.
As the Director of Financial Services, Jason is responsible for developing and leading culturally-proficient financial coaching and education practices for Compass’ coaching staff and clients. Jason has worked for more than10 years in the asset-building field with a focus on expanding access to free or low cost high-quality financial advising and tax preparation services.
Jason is a steering committee member for Boston’s Tax Help Coalition where he is also the director of two IRS V.I.T.A. tax sites and was previously awarded the SCI Community Social Capitalist award for his work in the Dorchester community. Other initiatives that he’s involved in include: Bank On Boston, Boston Builds Credit, and small business lending.
Prior to this, Jason worked as a tax accountant at Granite Telecommunications, LLC where he was responsible for corporate tax, gross receipts, and annual report filings. Jason is a CERTIFIED FINANCIAL PLANNER™ and was awarded his Bachelor of Science in Business Administration from Suffolk University.
Brook Ames is the General Counsel and Community Reinvestment Act Officer for Leader Bank, located in Arlington, Massachusetts. In addition to his work directing legal and compliance matters, Brook is responsible for overseeing Leader Bank’s CRA program, including monitoring lending patterns to LMI borrowers and communities and tracking the Bank’s financial and homebuyer’s education courses, community involvement and charitable donations. Brook’s legal work has given him in-depth knowledge and experience in consumer compliance, fair lending and UDAAP issues facing the banking industry. In addition to his work with Leader Bank and MCBC, Brook is an Adjunct Professor of Legal Writing for Boston University School of Law and serves on the Legal and Regulatory Compliance Committee for the Massachusetts Bankers Association.
Darrell comes to Interise from Habitat for Humanity Greater San Francisco where he was Chief Advancement Officer. Previously, Byers held leadership roles at Easterseals Bay Area and Earthjustice. He started his career in Boston working for such institutions as public media stations WGBH and WBUR, Harvard Graduate School of Education, and UMass Boston. He was the recipient of the Eleanor Collier Award from educational organization CASE District 1 for his contribution to his profession.
Tom began as MCBC’s Executive Director in January 2022 after serving on our Board of Directors for 30 years. Tom was previously executive director at the Massachusetts Affordable Housing Alliance since 1991. MAHA’s signature achievement has been the negotiation, creation, and expansion of the ONE Mortgage program (formerly SoftSecond loan program) which resulted from the 1989 Federal Reserve Bank of Boston study on racial disparities in mortgage lending. Tom serves on the board of the Massachusetts Property Insurance Underwriting Association (Fair Plan) and is a member of the Milton Community Preservation Committee and Milton Affordable Housing Trust Fund. He also is the chairperson of the steering committee of the Community Preservation Coalition. Tom is a native of North Adams, MA and a 1982 graduate of Fairfield University. He was a Fannie Mae Fellow at Harvard’s Kennedy School of Government Senior Executives in State and Local Government program, completed Babson College’s Entrepreneurial Leadership in the Social Sector certificate program and was a participant in the Jewish Community Relations Council’s Boston Haifa Learning Exchange and the Affordable Housing Learning Journey with the Irish Council for Social Housing. He previously served as coalition coordinator at Tenants United for Public Housing Progress and community organizer at Massachusetts Fair Share.
Graham Chapman is the Director of Community Partnerships for Santander Bank, facilitating the Bank’s relationship with non-profits and developing activities and services related to Santander’s CRA, CSR and Responsible Banking engagement. Prior to joining the Bank in 2016, Graham worked in economic development with the Greater Boston Chamber of Commerce and is a graduate of Northeastern University.
Symone Crawford joined MAHA’s staff in 2018 after serving on the board of directors since 2014. Symone lives in Mattapan and worked for Encompass Insurance for seventeen years, most recently as a claims service leader. She serves on the state’s Racial Equity Advisory Council for Homeownership (REACH) and as secretary of the board of the Midas Collaborative.
Symone is an immigrant from the island of Jamaica, migrating to the United States in 1998 and coming to Boston in 1999. She is a graduate of Roxbury Community College, Northeastern University and Southern New Hampshire University online MBA finance concentration program. She is very passionate about her faith, her family and the needs of her community.
Karen Frederick is the Executive Director of Community Teamwork. Community Teamwork is a community action agency serving Greater Lowell as well as a regional housing agency and community development corporation serving 63 communities in Middlesex and Essex Counties. The organization is a catalyst for social change with a mission to strengthen communities and reduce poverty by delivering vital services and collaborating with key stakeholders to create housing, education, and economic opportunities.
Karen holds a Bachelor’s Degree from Merrimack College and a Master’s Degree from Tufts University. She has worked in Community Action and Community Development for over 30 years and has been the Executive Director at Community Teamwork for the past 12 years.
In addition to the MCBC, Karen serves on the Board of the Regional Housing Network, The Massachusetts Association of Community Action Agencies, The Massachusetts Association of Early Education and Care, the Greater Lowell Community Foundation, and the Greater Lowell Health Alliance. She also serves as a corporator of Lowell General Hospital and Greater Lowell Boys and Girls Club. She has been appointed to serve on various Governor’s Task Forces and Policy Initiatives and is a former elected member and chair of the Dracut School Committee.
Thomas (Tom) Golden is Vice President, Community Reinvestment Act (CRA) Officer for Rockland Trust. Tom is responsible for promoting, developing, implementing, and administering all aspects of the Bank’s CRA program. His work includes serving as Rockland Trust’s principal point of contact for community organizations focused on the promotion of affordable housing, community investment, economic development, and the delivery of banking and financial services.
Tom brings over a decade of financial services industry experience to his role. He started his banking career at Hingham Institution for Savings. From there, he was a Bank Examiner as well as the Assistant Chief Director of Bank and Credit Union Supervision for the Massachusetts Division of Banks. Most recently, Tom was a commissioned compliance examiner at the FDIC for over five years. He earned his Master of Business Administration (MBA) in Leadership and Organizational Change from University of Massachusetts Boston. Prior to receiving his MBA, he received his Bachelor of Science in Government at Suffolk University. Tom has earned various credentials that enrich his knowledge of CRA and compliance laws. He holds the following designations: Certified Regulatory Compliance Manager (CRCM) from the American Bankers Association, Certified Consumer Protection Examiner (CCPE-III) from the Conference of State Banking Supervisors, and a Commissioned Compliance Examiner from the FDIC.
Ana has been working in the field of small business lending for over a decade. She is an advocate for community owned and operated businesses. Ana has led our sales team since 2011. Under her management, our sales teams have flourished, expanding our breadth and depth, both in terms of portfolio growth and in technical assistance provided to Women, Black and Latino owned businesses. Ana’s strategic leadership, rooted in lasting relationships with partners and business owners, has grown the footprint of the organization. Ana is a board member and co-chair of the Small Business Lending Committee for the Massachusetts Community & Banking Council. Ana is also a board member of The Foundation for Business Equity (FBE) and SOPHIA Oxford.
Lisa Joyner has over 25 years of banking experience. She is a Community Development Manager at TD Bank. She develops, coordinates and manages community development activities for the Bank. She collaborates with nonprofits, government agencies and community groups serving low-to- moderate income communities. Key focus areas; affordable housing, economic development, small business and financial education. She works on strategies and action plans to monitor CRA performance. She previously held national and regional community development positions for U.S. Bank, Citibank and Fleet Bank. She has a passion for volunteering and giving back to the community. She is a board member of Boston Local Initiatives Support Collaborative and the Massachusetts Community & Banking Council.
Karen E. Kelleher brings more than 20 years of experience driving housing affordability and building strong, inclusive communities to her role as Executive Director of LISC Boston. She also brings deep expertise in housing, finance, development and policy. Before joining LISC, Kelleher served as Deputy Director of the Massachusetts Housing Finance Agency (“MassHousing”), where she led a reinvention of the agency’s multifamily loan programs and policies, resulting in record lending volume and record levels of affordable housing preservation. Kelleher also led MassHousing’s rollout of several new opportunity fund programs, including its $100 million Workforce Housing Fund and, together with DHCD, a $100 million fund to preserve affordability for very low-income residents of at-risk Section 13A properties and a Community Scale Housing Initiative for small developments of less than 20 units. Finally, she oversaw approximately $1 billion of single family lending to low- and moderate-income borrowers and launched MassHousing’s down-payment assistance program for first-time homebuyers.
Before joining MassHousing, Kelleher was Senior Vice President and General Counsel of The Community Builders, Inc. (“TCB”), a Boston-based nonprofit developer that transforms communities through housing development and community investment. While at TCB, Kelleher worked extensively on complex development transactions and building effective programs to leverage greater community impact, including tax credit investment funds, a neighborhood stabilization loan program, and TCB’s initial new markets tax credit allocation. She previously practiced affordable housing law at Nixon Peabody LLC and served as program counsel for Community Planning & Development programs at the U.S. Department of Housing and Urban Development. Kelleher started her career as a teacher at Nativity Preparatory School, a middle school serving boys from low-income families living in Boston neighborhoods.
Kelleher earned her bachelor’s degree from Boston College and her J.D. from Georgetown University. She is a member of the Mayor’s Supplier Diversity Advisory Council and the Mayor’s Housing Task Force in Boston. She is also a member of the Urban Land Institute (Public Private Partnerships Product Council), Real Estate Finance Association, and the Massachusetts Bar. She was previously a member of the Boston Bar Association (former chair of Affordable Housing Committee), ABA Forum on Affordable Housing and Community Development (former chair of Nonprofit Organizations Subcommittee) and the investment committee of the Healthy Neighborhoods Equity Fund, and previously served as a board member at Nativity Preparatory School and the Washington Legal Clinic for the Homeless
Joe Kriesberg is the President and CEO of MACDC. He first joined MACDC in 1993 as Vice President and served in that capacity until he became President in July 2002. He oversees the agency’s advocacy work with public and private sector entities, its capacity building work with members, its long-term strategic planning, it collaborations and partnerships and internal operations. He has launched several innovative new programs at MACDC, including the Community Investment Tax Credit, the Mel King Institute for Community Building, the GOALs Initiative, the biennial MACDC conventions and the Community Development Innovation Forum. In the past five years, the MACDC staff has grown by 50%. During his tenure Joe has helped to pass many important bills through the Massachusetts Legislature, including the groundbreaking Insurance Industry Community Investment Act (1998,) the Affordable Housing Trust Fund (2000,) the Small Business Technical Assistance Program (2006,) a comprehensive anti-foreclosure law (2007), a new law to help preserve “expiring-use” affordable rental communities (2009) and the Community Investment Tax Credit (2012). In 2016, he was chair of the Yes for a Better Boston Campaign that passed the Community Preservation Act in the city of Boston. Joe serves on the board of several organizations, including the Massachusetts Growth Capital Corporation, Metro Housing Boston, LISC Boston in addition to MCBC. Joe is frequently asked to speak on community development issues and trends here and around the country, and writes about these issues for the MACDC website. Joe also periodically teaches as a Visiting Lecturer at Northeastern University’s Center for Urban and Regional Policy. Prior to working for MACDC, Mr. Kriesberg worked on energy and environmental issues for nonprofit organizations in Washington, DC and Boston, MA. Mr. Kriesberg has a B.A. from Binghamton University (New York State) and a J.D. Degree from Northeastern University in Boston. He lives in Boston, MA, with his wife, Dina Brownstein. They have two adult children, Joshua and Michael.
Sarah Lamitie is Senior Vice President and Community Investment Officer at Boston Private Bank & Trust Company, a full service commercial bank serving Greater Boston, Southern California, and the San Francisco Bay Area. She oversees the Bank’s CRA investments and is involved in business development for the Bank’s CRA community development and small business lending programs in Greater Boston. Prior to joining the Boston Private, Ms. Lamitie was engaged in affordable housing finance at the City of Boston and the Boston Housing Authority. She serves on Board of the Southwest Boston Community Development Corporation and the Steering Committee of the Mel King Institute for Community Building. She holds a Master’s Degree in Urban and Environmental Policy from Tufts University and a Bachelor’s Degree from Smith College.
With a diverse background in both the for-profit and non-profit sectors of business, Natalia Lima enjoys building relationships with both individuals and community partners. She pursues opportunities to connect with the community and make an impact on those that need it most.
Natalia earned her Bachelor’s degree in Human Development and Family Studies. In 2015, she received a Master’s Degree in Organizational Leadership from Roger Williams University.
Natalia worked at the retail level in banking at Fleet Bank/BOA and then Bank RI for several years. She then utilized her skills at the non-profit level working for United Way of Rhode Island as a major gifts officer and manager of Women United, an affinity group that focuses on financial literacy and advocacy and then for Year Up as their Director of Development. Natalia joined Citizens in September as the VP, Community Development Market Manager II for the Massachusetts market merging both the banking and community facets of her career.
Natalia lives in Riverside, Rhode Island with her husband, Joseph, her two daughters, Kelsey and Alexandra, and her pet whoodle, Sophie.
Michelle is a Senior Community Partnerships & Development Specialist at Cambridge Trust, where her focus is loan origination for low- and moderate-income first-time homebuyers and supporting CRA activity within the bank’s assessment area. Michelle brings over 20 years of experience in the affordable housing, community development and asset building fields with extensive program management and counseling experience. Before joining Cambridge Trust’s Community Partnerships & Development team she worked at Allston Brighton Community Development Corporation, where she led the organization’s homeownership and asset building initiatives, and provided oversight of their resident services and community engagement activities. Currently Michelle serves on the boards of Financial Education Associates and Hildebrand Self-Help. She received her BA from Wheaton College and her MS at Northeastern University.
Susan E. Murray began serving as SEED’s new Executive Director starting in May 2019. Sue has 30 years of experience in commercial and community banking. Before joining SEED, Sue served as Senior Vice President and Underwriting Manager for Business Banking with Citizens Financial Group. Sue came to SEED with experience in all aspects of commercial lending including small business, commercial real estate acquisition and construction, SBA lending, portfolio management, relationship management, and leading high performing teams. In addition, Sue has been involved with many community organizations including serving as a volunteer mentor and trainer for Veterans Business Outreach Center of New England, the Center for Women in Enterprise, and the United Way of Massachusetts Bay. She has a Bachelor of Science in Business Administration from Bryant University in Smithfield, RI.
Bob Nichols is an Analyst and CRA Officer on the Community Development and Reinvestment team at People’s United Bank. Bob is responsible for leading the underwriting and asset management process for the Bank’s tax-advantaged Community Development portfolio.
Bob manages People’s United Bank’s outreach to economic development and affordable housing institutions throughout the State of Massachusetts and is the Bank’s relationship manager for the Federal Home Loan Bank of Boston’s Affordable Housing Program.
Bob is based in Boston, Massachusetts and is a graduate of College of the Holy Cross where he received a Bachelor of Arts in Economics.
Gonzalo has more than 20+ years in the banking industry. He has a rare combination of corporate experience and entrepreneurial spirit, while taking time to help the community as well.
He began his banking career at Citizens Bank, where he quickly moved up the ranks from Loan Officer to Producing Sales Manager. He received the coveted President’s Club Award for 2004 & 2005 for outstanding sales and community outreach and worked there for over eight years. In 2006, he went to work at Eastern Bank as a Regional Sales Manager and received the 2012 Corporate Value award for his outstanding community involvement.
Gonzalo currently works at People’s United Bank as the Vice President, CRA & Community Development Officer, covering the Northern New England Market.
Gonzalo is a passionate Servant Leader willing to help anyone along the way who needs help with financial services and education. He has taught over 500+ homebuyer education seminars and over 100+ financial education classes with the hope of giving low income households and working chance for financial independence. He has eagerly volunteered as a leader with many non-profit organizations and was Chair of the Board of Directors at Compass Working Capital and is the current Co-Chair of MCBC’s Mortgage Lending Committee.
Gonzalo received his Bachelor of Science and MBA from Framingham State University. In 2012, his alma mater presented him with the Alumni Achievement Award for his outstanding work in our local communities. Gonzalo always dreamed of moving to the US, finish college, build his own enterprise and raise a family. He is thankful that he has been able to accomplish that and much more and is appreciative of what this country has offered to make this happen. Gonzalo loves visiting his second home in Cape Cod during the Summer and explore trails, go to the beach, play mini-golf and eat ice creams with the kids!
Karl Renney has been at Eastern Bank for over 27 years and for the last 7 years, he has served as Eastern Bank’s CRA Officer. Karl is well versed in all bank operations and has held leadership roles in Residential Lending Operations, Commercial Operations and Consumer Lending. With this, Karl has the knowledge and experience to support the needs of the low- to moderate-income individuals and communities within the Bank’s assessment areas. In addition, Karl serves as Chair of the Massachusetts Community and Banking Council board.