Our Team

As the Marketing Manager at Metropolitan Capital, Kelcy Arnould works collaboratively with both internal teams and external vendors to develop and execute innovative marketing strategies that increase awareness of the bank’s brand, products, and services, particularly within in our key markets. Kelcy is also responsible for overseeing any advertising and public relations communications. Prior to joining Metropolitan Capital, she worked in the Consumer Marketing department at Ace Hardware Corporation.

Education: B.F.A. in Art & Design, minor in Communication, University of Illinois at Urbana-Champaign.

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Rita Carroll joined Metropolitan Capital in November 2022 and serves as the Bank’s Chief Operating Officer. Previously, Rita was Head of Line One Risk for Cross River Bank, overseeing all risk parameters in the fintech banking business: marketplace lending, payments, banking as a service, and consumer and commercial cards. Employed at TCF through two mergers with Chemical and Huntington Bank, Rita was Executive Vice President, Head of Enterprise Risk Management and then led the Consumer Lending unit, pioneering the bank’s first embedded fintech solution – quickly scaling to reach growth and profitability.

With over 25 years of experience in financial services, Rita has held various senior leadership roles at some of the largest financial institutions in the country, focusing within the risk disciplines. At PNC, she was Senior Vice President, Head of Mortgage Analytics, a $130 billion+ servicing portfolio inclusive of bank originated, service-for-others and held-for-investment portfolios. She worked extensively with external regulatory bodies such as the OCC, Federal Reserve, CFPB, and GSEs in ensuring compliance and sound risk management practices. She has also held senior roles at HSBC: in card and retail services, private label and affinity co-brand card, and resi-mortgage. Rita began her financial services career at Discover Financial Services, Morgan Stanley in quantitative modeling in the late 90s.

Rita blends her disciplined leadership capabilities, business understanding, and analytical expertise in serving the bank, its shareholders, and the end customers. She is passionate in the belief that good general management encompasses good risk management, and this balance always yields the most optimal outcome across all constituents.

Rita holds an A.B. degree in Economics from the University of Chicago and resides in the Chicago suburbs with her family. She is currently embarking on an exciting journey - back in the classroom at the Graham School (of continuous learning) at the University of Chicago to perfect non-fiction writing not for credit or grade but the pure joy to improve and learn.

Theresa Chan is a Vice President at Metropolitan Capital with more than 11 years of extensive banking experience. She works with the Loan Operations and Private Capital Manager teams in overseeing all Loan Operations functions for commercial and consumer loans, including the daily functions required to ensure adherence to policies and regulations. Prior to joining Metropolitan Capital in 2016, Theresa served as a Senior Teller for Bank of America.

Education: B.S. in Finance, University of Illinois at Chicago.

As an Executive Vice President at Metropolitan Capital, Scott Cohen works closely with business owners, entrepreneurs, and their companies to help them navigate periods of transition and capitalize on growth opportunities. Whether helping investors secure financing for non-traditional projects, generating liquidity for owners of privately held stock, or raising capital for businesses looking to strengthen their capital stack or make an acquisition, Scott is dedicated to delivering creative solutions to clients with unique financial needs. Scott originally joined Metropolitan Capital in 2010 and gained valuable experience with the Commercial Banking and Investment Banking groups. After three years in Chicago, Scott moved to New York City to join the Private Client Group of Gerstein Fisher, an investment management firm. Scott rejoined Metropolitan Capital in 2014 and moved to San Francisco to help launch the West Region office before moving to Los Angeles to develop the Bank’s presence in Southern California. In late 2021, Scott and his family moved back to Chicago.

Education: B.S. in Finance, Richard T. Farmer School of Business at Miami.

Emery Colcol joined Metropolitan Capital as Vice President of Loan Operations in August 2022. Emery brings more than 28 years of experience in the banking industry, previously holding a variety of positions within the Loan Operations division at First Midwest Bank, including her role as Assistant Vice President and Manager of Complex Commercial Loans Review and Letters of Credit. She has managed the administration and operational workflow processes of all commercial loans and letters of credit requests and served as Liaison Officer for third parties such as other banks, outside attorneys, title companies and letters of credit beneficiaries. In addition, during her time as manager of the Complex Commercial Loans Review and Letters of Credit, she partook in four bank acquisitions and mergers. Emery’s other work experiences include time as a College Consultant at Heartland Institute of Financial Education, an agent of World Financial Group, an Illinois Real Estate Agent and independent contractor of Life and Health Insurance.

Education: Bachelor of Science in Commerce (Accounting & Finance), Arellano University, Manila, Philippines; Certifications in Real Estate, Banking Law, Secured Lending Uniform Commercial Code, Advanced Commercial Loan/Letters of Credit Documentation, Commercial Real Estate Loan Transaction, Consumer Compliance, Interagency Appraisal and Evaluation Guidelines, Commercial Construction Loans, Environmental “Due Diligence” Requirements
Licenses: Resident (IL): Life and Health Insurance Producer; Non-Resident Producer: Life, Accident & Health, or Sickness Producer (HI); Life, Significant Accident & Health Producer (CA); Intermediary (Agent) Individual: Accident & Health, Life (WI) and Life, Accident, Health, and HMO (TX)
Notary Public – State of Illinois

As a Private Capital Manager at Metropolitan Capital’s East Region office, Kevin Costello is focused on providing creative financial solutions that are tailored to the unique needs of business owners, family offices, and high-net-worth individuals. Drawing on his experience in banking and corporate finance, Kevin helps clients secure and manage capital and solve for the challenges associated with high-growth companies. Before rejoining Metropolitan Capital in 2016 to launch the East Region office, Kevin spent five years with Avison Young and helped oversee the exponential growth of the firm’s New York Tri-State offices and participated in more than 20 acquisitions.

Education: B.S. in Finance, DePaul University.

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Claire Foley is the Loan Operations Manager Lead at Metropolitan Capital. She is responsible for managing part of the Loan Operations team and works with the team to perform due diligence for prospective loans and process day to day transactions. She joined Metropolitan Capital as a Loan Operations Representative in 2021.

Education: B.S. in Financial Mathematics, minor in Economics, The Ohio State University.

As the Head of Family Office services and Senior Consultant Wealth Advisor, Tracy Foss works closely with business owners, entrepreneurs and families providing vast resources and customized solutions to help meet client needs, including wealth structuring investment management, financial and succession planning, philanthropic planning, specialty asset management, family office services, financial administration, and family trust stewardship. Tracy has 25 years of experience in the financial services industry delivering a broad range of financial services solutions to clients, in addition to providing customized, comprehensive family office services. Tracy joined Metropolitan Capital in 2022 with private banking, trust, investment and financial planning experience from J.P. Morgan, PNC Bank and Associated Bank. Tracy is a Certified Wealth Strategist and earned her degree in Business from Marquette University.

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Jerry Frump is the Senior Manager of Bank Operations and one of the co-founders of Metropolitan Capital. In addition to providing assistance to Metropolitan Capital’s loan and deposit operations, Jerry also assists with the bank’s Human Resources administration. He is a Senior Member of the Loan Committee and he is Assistant Secretary to the Board of Directors. Before helping to found Metropolitan Capital, Jerry served as president of two banks in Chicago’s western suburbs. He also serves as Treasurer and a Board member on a non-profit organization, New Life for Haiti.

Education: Associate degree, Illinois Commercial College; Illinois School of Banking.

Sue Griffith joined Metropolitan Capital as Human Capital Director in 2020. Sue was previously with MB Financial Bank as the Director of Human Resources from 2006 to 2019. Prior to MB Financial Bank, Sue worked for Oak Brook Bank from 1989 to 2006 where she held multiple senior roles overseeing Human Resources, Audit, Retail Banking and Operations. In 2006, Oak Brook Bank was acquired by MB Financial where she joined them overseeing Human Resources.

Education: B.S. in Business, DePaul University.

Dean Haacker leads the digital transformation of the Bank in his role as Chief Information Officer. Dean joined Metropolitan Capital in 2021 to lead technology and information security after delivering more than $3 billion in business value for top companies in the high tech, consumer goods and financial services sectors. Dean serves on the board of SIM Chicago, is a founding member and past co-chair of the ChicagoCIO Leadership Association, serves on the advisory board of the Innovative Executives League, and is a member of AITP Chicago. He won an ORBIE award in 2017 as CTO of The PrivateBank and was a Chicago CIO of the Year finalist in 2018 and 2019. Dean is an advisor to emerging technology companies, venture capital firms, and a distinguished graduate of Arizona State University.

Kimberly Haney joined Metropolitan Capital with over 20 years of enterprise risk experience, and has served in various risk management capacities, including independent review, portfolio, underwriting, and collateral management. Most recently, she served as Vice President and Consultant in the Risk Control group of Northern Trust, where she led independent assessments of credit risk including counterparty, operational risk, and market risk. Prior to this role, Kimberly served as Examiner-In-Charge for various credit reviews of the Wealth Management and Commercial and Institutional business units of Northern Trust. As a Senior Credit Officer for MB Financial, she led a team of Credit Analysts with underwriting responsibilities for Middle Market clients, in addition to developing and managing the Field Exam Program.
Kimberly is a past member of the Board of Directors for Chime (formerly the Suzuki-Orff School of Music) and has previously mentored college and high school students through various programs, including business undergraduates from her alma mater.

Education: B.S. in Business Administration, University of Illinois at Chicago; Executive M.B.A. with a focus in Entrepreneurial Studies and Marketing, Kellogg Graduate School of Management.

Quentin Harris is a Senior Private Capital Manager at Metropolitan Capital. His primary responsibilities include working directly with the bank’s new and existing clients and performing financial analysis catered to the needs of business owners, family offices, and high-net-worth individuals, primarily in the lower middle market space. Before joining Metropolitan Capital in July of 2022, Quentin completed a two-year Credit Training Rotational Program and worked as a Franchise Portfolio Manager at Wintrust Bank gaining experience in Asset-based Lending, Commercial/Industrial, Commercial Real Estate, Employee Stock Ownership Plan, and Franchise Finance. Quentin brings a wide variety of skills from his previous experience and is driven to provide the best service possible service to our clients.

Education: Bachelor of Human Environmental Science & Business Administration with a focus in Personal Finance, Minor in Business, University of Missouri.

Will Hoscheidt is a Senior Private Capital Manager at Metropolitan Capital. His primary responsibilities include performing financial analysis on prospective credit facilities and working directly with the bank’s clients to ensure a positive and professional experience in all aspects of universal banking. Will first joined Metropolitan Capital as a summer intern in 2019.

Education: B.S. in Business Administration with a focus in Finance & Banking, University of Missouri.

Matt Hummel is a Private Capital Manager at Metropolitan Capital. His primary responsibilities include credit underwriting on prospective lending opportunities and managing client relationships with the bank. Matt first joined Metropolitan Capital as a summer intern in 2021, leading to his full-time role as a Private Capital Manager the following year.

Education: B.S. in Finance with Risk Management & Insurance Certificate, University of Iowa.

Richard Keneman has served as Metropolitan Capital’s Chief Lending Officer since the bank was founded in 2005. As a member of the Investment Committee and Board of Directors, Richard draws on more than 40 years of experience in the banking industry. After spending 12 years as the Chief Lending Officer and Chairman of the Loan Committee at Cole Taylor Bank, Richard worked with Metropolitan Capital Chairman and CEO Michael Rose and the three other founding members in the early 2000s to raise capital and secure Metropolitan Capital’s charter.

Education: B.S. in Finance & Marketing, Florida State University.

Justyna Kucinska joined the IT team at Metropolitan Capital in 2022. In her role as Senior Vice President, Project Management, Justyna collaborates with teams across the organization to define, plan, and execute critical projects aligned to company strategic objectives. Justyna has extensive knowledge of bank policies, procedures, and quality standards, previously managing the Loan Operations team at Metropolitan Capital, where she worked closely with the Private Capital Managers to ensure successful closing procedures and overall client satisfaction. Prior to joining Metropolitan Capital in 2009, Justyna served as a Customer and Financial Service Representative at Bank of America and First Bank.

Education: B.S. in Economics, DePaul University.

Seth Lionberger has served as an IT Manager at Metropolitan Capital since May 2020. As a member of the IT department, Seth draws on more than 6 years of experience in the IT space. Leveraging his experience as a Signal Officer in the US Army Reserves, Seth has focused on creating efficient and modern solutions that add to the bank’s IT ability. He is a graduate of the US Army Signal School – Cyber Center of Excellence and holds CompTIA Network and Security Plus certifications.

Education: B.A. in Philosophy, Illinois State University.

Joe Marconi is an Assistant Vice President at Metropolitan Capital. He focuses on improving efficiencies through automation and managing the reporting of finances for several departments throughout the organization. Before joining Metropolitan Capital, Joe studied and played football at St. Ambrose University where he received his degree in Finance and Marketing while minoring in Economics and Leadership.

Education: B.A., St. Ambrose University, Davenport, IA. 

Matthew McCullough is a Private Capital Manager at Metropolitan Capital. His primary responsibilities include performing financial analysis on prospective lending opportunities and managing relationships with the bank’s clientele. Prior to joining Metropolitan Capital in July 2022, Matthew worked as a Hedge Fund Service Analyst for Northern Trust.

Education: B.A. in Finance, Lake Forest College.

Richard McDonald is a Deposit Account Manager at Metropolitan Capital. He is responsible for opening checking, savings, money market, certificate of deposit and business accounts for clients that are referred from the Private Capital Manager team. This includes reviewing account opening documents, establishing online banking access for clients and assisting the Treasury team in processing deposits and ACH transactions. Richard has over 19 years of banking experience, working for 5 years as a bank teller and teller supervisor, followed by 14 years as a Personal Banker II with another financial institution.

Education: B.A. in Organizational Management, minor in Marketing, Ashford University.

Ananysha Montague is a Lead Treasury Solutions Manager with the Deposit Operations team. She is responsible for deposit transactions such as check processing, wire transfers, and ACH processing. Ananysha works closely with frontline and backroom operations handling day to day tasks. Prior to joining Metropolitan Capital in 2018, she worked as a daycare teacher.

Education: B.A. in Sociology, minor in Creative Writing, Eastern Illinois University.

Brandon Moreno joined Metropolitan Capital in May 2022 as a Private Capital Manager. His primary responsibilities include underwriting on prospective lending opportunities and client relationship management.

Education: B.A. in Business Administration with a major in Finance, University of Notre Dame.

Christine Norkaitis is a Senior Wealth Advisor in the Wealth Consulting Group at Metropolitan Capital. Her primary responsibilities include communicating and consulting with clients to introduce them to new products and services working closely with the Private Capital Managers and Lending Officers. Christine oversees and manages ongoing wealth consulting client and partner relationships, in addition to providing investment advice primarily focused on implementation, asset consolidation, coordination, and client counseling on income execution. Previously, Christine helped establish the investment arm of a Real Estate Entrepreneurial Family Office assisting with portfolio management and client relationships. She also has over 12 years’ experience as a school counselor.

Education: Degree in Elementary Education, Elmhurst College; M.A. in School Counseling and an M.Ed. in Education Leadership with a Principal Endorsement, Lewis University. Licenses: 73 and 75. Certifications: Series SIE, 22, 63 and 65.

Frank Novel brings more than 45 years of banking and regulatory experience to his role as President of Metropolitan Capital Bank. Since helping to found Metropolitan Capital in 2005, Frank has focused on creating the internal infrastructure, policies, and procedures that have fostered the bank's growth. Frank began as an examiner for the FDIC and has served as President of four banks in the Chicago area.

Education: B.S. in Economics, Purdue University. Registrations & Certifications: Series 7, 24, and 63; Certified Treasury Professional.

Norman Rainey joined Metropolitan Capital as the Chief Financial Officer and Executive Vice President in December 2019. Norman is a Certified Public Accountant with an extensive background in the banking industry. He previously served as Chief Account Officer and Executive Vice President of Parkway Bank & Trust from August 2018 to December 2019. Norman served as Senior Vice President, Mergers and Acquisitions for MB Financial Bank from October 2016 to August 2018. Prior to MB Financial Bank, he worked for First Midwest Bank, where he held multiple senior roles. Norman’s last role with First Midwest was Vice President of Corporate Development from February 2013 to October 2016, where his primary focus was expanding the company through strategic acquisitions. Before First Midwest, he spent nine years with MB Financial Bank serving in a range of roles with increasing responsibilities, including Vice President of Financial Reporting from December 2005 to September 2010.

Education: B.S. in Business Finance, Eastern Illinois University; M.B.A., Keller Graduate School of Management.

Liliana Rios is a Financial Operations Manager at Metropolitan Capital. She is responsible for general ledger, due from, and internal demand deposit account reconciliations on a daily, weekly, semi-monthly, and monthly basis, in addition to assisting in the preparation and completion of the FFIEC quarterly regulatory report. Prior to joining Metropolitan Capital in 2020, Liliana held several different positions during her 24 years with MB Financial Bank. She spent four years as a teller, followed by six years in the Accounting department, before finally moving to a role in the Financial Reporting department.

Education: B.S., University of Illinois at Chicago.

Michael Rose is Chairman, CEO, and one of the founders of Metropolitan Capital, a universal bank that provides creative debt, equity, and wealth advisory solutions for high-net-worth individuals, family offices, and the small-to-medium-sized businesses that they own and operate. Michael, who led the founding of Metropolitan Capital in 2005, previously held several leadership positions at the Illinois Housing Development Authority (IHDA), including Executive Director. 

Education: B.S. in Economics (highest honors), University of Illinois at Urbana-Champaign; J.D., University of Virginia School of Law.

Rohan Siddhpura is a Private Capital Manager at Metropolitan Capital. His primary responsibilities include performing financial analysis on prospective lending opportunities and managing relationships with the bank’s clientele. Rohan joined Metropolitan Capital in June 2021 upon graduating from college, where he received his bachelor’s degree in Economics and Statistics.

Education: B.A., University of Illinois at Urbana-Champaign.

Noemi Solis is the Deposit Risk Operations Manager at Metropolitan Capital. Noemi has more than 30 years of banking experience and has led in several different positions at MB Financial, Wintrust, Cole Taylor and LaSalle Bank. Noemi is responsible for overseeing daily reports and ensuring profitability and bank soundness. Her main function is to ensure that the risks associated with bank activities are identified, measured, limited, controlled, mitigated and reported on in a timely comprehensive basis. Prior to joining Metropolitan Capital in March of 2022, Noemi was a Regional Operations Manager for MB Financial where her responsibilities were to plan and execute risk-based internal audits in her region of 12 branches, coach and train employees on bank procedures and BSA/AML policies, provide assurances on effectiveness of risk management, and to mitigate activities to reduce risk and improve operational effectiveness.

Jacob Thilk is a Treasury Operations Manager at Metropolitan Capital. Jacob has more than 17 years of experience in the banking industry, holding positions within client-facing Retail Branch Banking and Deposit Operations. At Metropolitan Capital, Jacob is responsible for managing the Treasury Solutions Managers and Deposit Account Manager within Deposit Operations. In addition, his background in operations serves as a valuable resource regarding policy and procedure development. Most importantly, Jacob is responsible for maintaining the high level of service that our clients experience when working with the Deposit Operations team. Prior to joining Metropolitan Capital in June 2022, Jacob was the Deposit Operations Help Desk Manager with First Midwest Bank, where he was responsible for internal banking team member support and served as an escalation point for legal and business documentation matters.

Denise Triche-Weaver, BSA Officer, CRA Officer & Compliance Officer, joined the Metropolitan Capital team in July 2019. Her responsibilities include all aspects of managing the bank’s BSA/AML, OFAC and Regulatory Compliance programs. Denise’s banking career includes an extensive background in Deposit Operations, BSA/AML/OFAC Compliance, Consumer Regulatory Compliance, Cash Management, Risk Management, Business Continuity, and Employee Training.

Before joining Metropolitan Capital Bank, Denise provided BSA/AML/OFAC compliance consulting services to a variety of financial institutions. Prior to embarking in independent consulting services, she had a long career at Seaway Bank and Trust Company, where she held a variety of senior management positions including Chief BSA/AML/OFAC & Regulatory Compliance Officer.

Education: B.S., Southern University in Baton Rouge, Louisiana.

Jack Umlauf joined Metropolitan Capital in September 2021 as a Senior Private Capital Manager. His primary responsibilities are managing the Bank’s existing client relationships and assisting in the structuring and underwriting of new credit facilities for new and existing customers. Previously, he was a commercial banking analyst focused on senior position real estate and commercial construction lending. Jack is a Chartered Financial Analyst having received his charter in 2020.

Education: B.S. in Agriculture and Consumer Economics with a concentration in Finance in Agribusiness, University of Illinois at Urbana-Champaign.

Chiara Verdi joined Metropolitan Capital as Vice President of Deposit Operations in February 2022. Chiara has over 35 years of banking experience with a focus on operations, risk management, talent development and transformation. She was previously employed with MB Financial Bank as Senior Vice President, Retail Operations and Delivery Manager. Prior to MB, Chiara was with Oak Brook Bank & Trust where she managed Retail Operations until the MB Financial Bank merger in 2006. Chiara began her banking career at Melrose Park Bank & Trust where she held various positions in branch management, mortgage lending, discount brokerage, and operations.

Education: Associate degree in Business, Triton College; Certificate in Operations, American Institute of Banking.

Gina Wilson joined Metropolitan Capital in 2021 as a Loan Documentation Manager. She works as a liaison with the Private Capital Managers to prepare loan documentation and perform due diligence searches for potential client closings. Gina has over 15 years of experience working in commercial loan servicing and documentation.