About EFPN: BOARD OF DIRECTORS
Fred
Casissa, Chairman- Fred Casissa is the former vice president and compliance/anti-money laundering officer for First Republic Bank and has more than 25 years of experience in the financial services industry. He has served on a number of nonprofit boards that support community activity. Additionally, Mr. Casissa has been a participant in EFPN since its inception in 2000, when First Republic Bank joined EFPN as a founding partner, and he began serving on the Board of Directors.
Susan
Montoya, Vice Chair
Vice President/Corporate CRA Officer, First Bank- Susan Montoya has worked for First Bank since 1992. As corporate
CRA officer for a $9.5 billion, multi-state institution, Ms. Montoya
has an extensive background in the Community Reinvestment Act and
is responsible for all components of CRA: lending, services, and
investments.
Besides working with regulations, Ms. Montoya is actively involved in various financial literacy programs: she teaches students financial management through the Banking on Our Future program; conducts seminars for seniors on financial elder abuse; and is serving a second term on the National Advisory Board for Get Checking, a financial initiative designed to help consumers establish a primary banking relationship and gain access to mainstream financial services. Ms. Montoya frequently is invited to speak at national conferences associated with the unbanked, under-banked, and overlooked market segment. 
Gary
Dunn, Treasurer
Vice President/Corporate CRA Officer, CapitalSource Bank- Gary Dunn has more than 30 years of experience in the financial services industry. He serves on the boards of the Orange County Neighborhood Housing Services, Affordable Housing Clearinghouse, SoCal Reinvestment CDFI, Bankers Small Business CDC of San Diego, and Mary Erickson Community Housing. A founding partner of EFPN, Mr. Dunn has been instrumental in supporting the development of EFPN’s award-winning professional training and community outreach programs. He has ensured that his institution has been a core sponsor for EFPN’s five highly acclaimed Call to Action conference events in San Francisco and Los Angeles.
Heather
McMills, Secretary
McKean and McMills- Heather McMills, managing partner of McKean & McMills Family
Office, has more than a decade of experience in financial services
as a sell-side investment broker, culminating in the management of
more than a quarter billion dollars in retail and institutional debt
and equity portfolios within the private wealth management units
of Credit Suisse and Bank of America. An entrepreneur at heart, Ms.
McMills co-launched McKean & McMills
Family Office in 2008 as an answer to investors' needs for responsible
trustee and wealth management services. Prior to launching McKean & McMills,
she pursued investments in alternative markets, including a small
Mediterranean restaurant in San Francisco. Having traveled to the
Middle East, U.K., and Latin America, she enjoys connecting with
diverse and dynamic people worldwide.
Ms. McMills studied quantitative economics at the University of California at San Diego. As a member of a third generation Bay Area family, she returned to San Francisco in 1999 to pursue various investment banking and entrepreneurial opportunities.
Jenefer
Duane, Founder & CEO
Elder Financial Protection Network-
An internationally known elder justice advocate, Jenefer founded Elder Financial Protection Network in the year 2000 with a group of visionary bankers in Marin County. Celebrating its 10-year anniversary in 2010, under Jenefer's leadership, EFPN has produced hundreds of community education events and provided professional training to more than 20,000 elders, consumers, financial professionals and representatives of law enforcement, legal and social services throughout the nation. In 2002, Jenefer produced EFPN's 'Be Wise' training program for financial institution employees which received three international awards and has been implemented in more than 400 financial institutions in California and beyond.
In December 2009, honoring its 75th anniversary, Jenefer was presented with the FDIC's Chairman's Award for Innovation in Financial Education. In 2008, EFPN was identified as a "promising practice" by the National Center on Elder Abuse. Former California Attorney General Bill Lockyer presented Jenefer with the 2003 Distinguished Service Award for Elder Abuse Prevention. She also served on the Advisory Council for the Attorney General’s Statewide Public Awareness Campaign on elder abuse and was appointed to the UC Davis Medical Training Center Advisory Committee on Elder and Dependent Adult Abuse in 2004. 
Ronald N. Ellis, Director
Chase- Mr. Ellis has more than 30 years of experience in the financial services field and joined the board of EFPN in April 2006. He has served on numerous nonprofit boards and is interested in expanding the reach of EFPN through public awareness and network expansion.
Phillip
E. Holmes, Executive Committee, Member at Large
WesPay- Phil Holmes’s career at Bank of America spanned more than 25 years in paper and electronic banking payments processes. His responsibilities at the bank included electronic cash management sales support for California middle markets, and Chicago and Houston corporate cash management clients. That assignment also assumed product development responsibilities for ACH-based electronic cash management products and services. Prior, Mr. Holmes served as systems manager for the Bank’s 62,000 employee payroll/personnel computer systems professional staff. Earlier, the bank developed the first MICR computer-based check processing system at the San Jose ERMA center, where he was the operations manager responsible for supporting more than 60 BofA branches’ item processing needs in the early 1960s.
After a second career at WesPay, Mr. Holmes retired in 2005, completing more than 18 years with the Association. During his WesPay tenure, he served as senior vice president and manager for Member Services & Education. In that capacity, he was responsible for the day-to-day management and oversight of WesPay’s operational areas, including development of its educational product offerings and related curricula, as well as services for delivery to members via the customer service help desk, other communications media, and WesPay’s member calling program. He represented WesPay’s member interests at the national level as a participant in the ACH Regional Payments Association’s Leadership Forum Group. 
Helen Karr, Director
Senior Advocate- Determined to do something to help prevent older women from becoming
victims of financial exploitation, Helen Karr attended law school
instead of retiring (from the business world), and was sworn in to
practice California law on her 64th birthday. Now she is a senior
citizen advocate at the local, state, and national level. Ms. Karr
served six years as a California Senior Assembly member and chaired
its Joint Rules Committee. She is a member of the San Mateo County
Long-Term Care Ombudsman Board. She is a past member of the State
Bar of California’s Senior Lawyer’s Committee, and was appointed
by Senator Dianne Feinstein (D-CA) as her delegate to the 2005 White
House Conference on Aging. She received a 2005 National Spirit of
Service Award from the Corporation of National and Community Service.
Former State Assembly Member Gene Mullin named Ms. Karr as the Woman
of the Year 2007 for the 19th Assembly District.
Ms. Karr retired from the San Francisco district attorney’s Elder Abuse Unit in June 2009. As a legal consultant, she researched the law and contributed to the development of the California State Bar’s publication Seniors and the Law, of which more than two million copies have been distributed in California. In 2003, the State Bar of California awarded Ms. Karr for "outstanding service." EFPN honored her with its 2007 Sentinel Award, a lifetime achievement award for an individual who has successfully advocated for positive change in public policy or in the judiciary concerning the protection of elders from financial abuse and exploitation. Her alma mater, San Francisco Law School, honored her as the alumni of the year in 2007. 
Steve Vallejo, Director
Bank of the West- Steve Vallejo is a Vice President and Corporate Security Investigations Manager for Bank of the West. In this position Steve manages all investigations to include: external and internal fraud; elder abuse investigations; and identity theft investigations. Prior to Bank of the West, he worked in investigative, supervisory, and managerial level positions in federal law enforcement. This included positions as an FBI Supervisory Special Agent and Program Manager, responsible for the implementation of the FBI’s Intelligence Program post 9-11. In this capacity, he managed teams of agents and analysts responsible for the collection, analysis, and dissemination of information based on national and local intelligence requirements. In addition to this managerial experience, Steve has investigated and directed complex domestic and international investigations involving sophisticated criminal activities and security matters. Steve is very excited to serve as a new board member and will use his experience and abilities to promote the important mission of the EFPN.