Meet Our Retail Banking Leaders

Greg Young

Greg didn’t always intend to become a banker, but his aptitude for numbers and people skills caught the attention of his grandparents’ banker.

"Their banker sat me down and explained how rewarding it is to help people from your own community with lending and investing. I’m forever grateful for that talk and for the chance to have impacted the lives of people I’ve known since childhood as well as transplants just discovering why Cincinnati and Northern Kentucky is such a great place to plant roots."

Bill Means

Bill’s first foray into banking was as a teller job in college. He quickly realized he loved the face-to-face interaction with customers. Throughout his career, Bill has relished the rewards and challenges of working in an industry essential to individuals and businesses, always adapting to changes in technology and shifts in the economy. Bill is motivated to help customers discover their financial independence and security.

When Bill is not in the office, he’s enjoying the natural beauty of this region. An Eagle Scout, Bill is the founding Boy Scout Master of a troop based out of a local church.

Dalton Webster

Dalton Webster’s career in banking seems almost inevitable. Some of his most vivid childhood memories revolve around spending time in a bank branch his mother managed. He learned to count and do arithmetic “helping out” behind a teller line. He can even remember stepping inside a stand-alone ATM and thinking it was as cool as a spaceship.

Although Dalton is one of our youngest branch managers, his approach to customer service feels like a throwback to the days when banking was more personalized and community oriented. “When you call or stop by our branch, you engage with a person who knows you and knows your story. We are here to help and make a difference in the community we serve.”

Sam Wernsman

From his early teens, Sam enjoyed reviewing his family’s retirement plans and finances. And while other kids his age were spending hours on Xbox, Sam was watching Dave Ramey nearly every night. He loved the numbers, but he also enjoyed learning strategies for building financial security any family could apply.

When Sam was still in his teens, he took a job at a local bank. By age 19, he was the branch manager. Sam led the branch while earning his bachelor’s degree, earning the trust of his customers and witnessing the impact he could have on a local community. Sam made the move to Heritage Bank because he loved the commitment to community service and the ethics the bank displays in everyday interactions with customers. He looks forward to building the Heritage Bank profile in Mason, where he lives and works.

When he isn’t working, Sam enjoys watching fast cars, especially Formula 1 racing. He is also an avid golfer, recently celebrating his first hole-in-one on a course in Pinehurst, North Carolina. Someday, he and his dad plan to travel to Scotland to play St. Andrews, Carnoustie and Murfield.

Joy Wilson

Joy’s attitude of gratitude wins over new customers, long-time customers accustomed to the best from Heritage Bank and her colleagues. Because she loves her job, her customers treasure Joy.

One customer told her, “I don’t know what I would do if you were not my banker” and another called the head of retail banking to let him know that with Joy’s help, moving his accounts to Heritage Bank in the midst of the pandemic was seamless. Joy proves great customer service starts with coming to work with a happy heart.

Maryann Wolfe

Maryann Wolfe never dreamed of a career in banking, but a seasoned banker recognized something special in the bubbly customer who stopped by her branch one day. It required a pay cut and a leap of faith, but Maryann took the offer to become a banker and has never looked back.

Today, Maryann has several years of banking management experience and a personal style best described as engaging, supportive and passionate. She also believes in community service, a value instilled in her by her father, a retired Marine. The chance to become part of the Heritage tradition of volunteering in the local communities we serve was one of the key reasons she joined our team.

Joseph Skeen

Like many young people, Joseph heard the advice “follow your passion” and heard “choose a personal interest to build a career around.” So, he trained to be a gemologist and worked at two local jewelry stores. Joseph enjoyed working with gemstones but learned that he was most motivated by providing exceptional customer experiences and earning customer trust by providing clear guidance about important purchases.

So, when his son was born and Joseph started mapping out a career change that would provide him with more opportunities to advance as well as more regular hours, Joseph explored careers that played to his more recently discovered passions around customer service and consultation. He began a career in banking at a large bank where he quickly impressed his colleagues and customers. One of those colleagues switched to Heritage Bank and started campaigning for Joseph to join her. Following her advice turned out to be one of his best decisions.

“One of the things I treasure about my job is giving customers peace of mind when they have a major financial decision to make or when things get tight,” said Joseph. “Heritage Bank encourages me to do the right thing for our customers day in and day out because we still plan to be in this community decades from now, and we want our customers to remain with the bank and recommend us to their friends and family.”

Darin Hart

Local community theater fans sometimes recognize Darin from his comedic roles in local productions, but his most loyal fans are the customers familiar with his banking talent. Some of his neighbors know him as DJ Hartbeatz whose mobile DJ business infuses life into local parties, but Darin’s bank customers appreciate the impact of his banking counsel on their financial lives.

It’s not every day you meet a banker who can reprise his favorite theatrical role on request, speak knowledgeably about the current hip hop and pop scenes, or calculate your anticipated interest savings over the next 15 years by repricing your mortgage loan. Then again, a community banker should be versatile.

Joshua Stevens

Joshua’s lifelong interest in finance and money management sparked his interest in a banking career. Yet, it’s his soft skills loyal customers appreciate most.

Joshua listens to customers talk about their banking needs, vacation plans, business aspirations or grandchildren with interest. He prioritizes time with customers whether they call ahead for an appointment or drop by unexpectedly. Josh aims to know his customers as whole people so he can confidently recommend the products and services they need now and anticipate how the bank can help in the future.

Katie Norman

Katie knows firsthand how a great manager can inspire someone’s best work. She credits her first manager for the desire to build a career in banking. Today, she is committed to bringing out the best in her team, and her customers have noticed.

Throughout her career, Katie has embraced innovation without losing sight of how much customers crave personal interaction in the digital age. She is impressed by how well Heritage Bank balances the long-term benefits of relational banking with the convenience and efficiency of digital banking.

Liz Werrmann

Liz has completed four Tough Mudder competitions. Imagine what it’s like to have a banker with so much grit, fearlessness and competitive spirit. Imagine the hurdles she clears and the obstacles she removes for her Heritage Bank customers.

After 25 years in banking, Liz knows when you go above and beyond on a regular basis, it becomes a habit. And when going above and beyond is a habit, customers notice. Liz, much like Heritage Bank, is rooted in Newport. It's the community where she built her banking career and where she continues to help small businesses and local residents thrive.

Kristie Willoby

Kristie started her banking career while still in high school. Her supervisor then is her customer today. Now a veteran of the banking industry, Kristie still treasures the small moments when she can have a lasting impact on a customer’s life – from opening a child’s first savings account to securing financing for the construction of someone’s forever home or helping with a car loan.

Speaking of cars, Kristie’s other passion is her first car – a 1966 Ford Mustang still sitting in her garage. A true Ford Family, Kristie’s father owns a 1965 model, and her sister treasures a 1967 Mustang.

Michelle Fisher

Ask Michelle what she does for a living, and she’ll tell you she’s a part-time cattle farmer and an “accidental banker.” Years ago, she was a new college graduate opening an account at a local bank when a personal banker offered to forward her resume to the bank’s recruiter. Today, she can’t imagine not being a banker. And neither can her customers.

“A lovely couple I worked with in a different community tracked me to Heritage Bank. They said they wanted to work with me even if it meant switching banks.”

Christina Gonzales

Christina once saved a customer $250,000 by stopping a fraudulent international wire. It impressed upon her the importance banks play in protecting customers’ finances. It also impressed the client. When she moved to Heritage Bank, it turned out the customer also had accounts with her new branch. The customer remembered her and went out of his way to tell her manager how Christina had saved his business from a huge financial blow.

Neal Brown

Heritage Bank knew Neal would be a good fit as soon as they learned about the Make A Difference Award another bank had given him for going above and beyond. His customer was returning to the area after a move he quickly regretted. Disabled with virtually no family or support network, the customer was vulnerable and in need of some extra consideration until he got back on his feet. Luckily, Neal was his banker.

While some bankers measure success by production, Neal measures success by the lives he has changed for the better.

Rachel Edwards

Rachel Edwards has worked for Heritage Bank for almost 20 years and fully believes the Heritage way is the right way for a community bank to treat the neighbors and local businesses who choose us. Building relationships – her favorite part of her job – requires integrity, proactive communication, follow through and clarity. Rachel demonstrates these qualities every day in her job.

“My customers have helped me become a better banker,” said Rachel. “I have a wider and deeper understanding of the communities I serve thanks to the customer relationships I’ve built. The better my relationships in a community, the better equipped I am to provide guidance and service to anyone who calls that place home.”

Rachel and her family live in Grant County where they are active in youth basketball. Transplants to the area, the Edwards family has embraced the unique aspects of the small towns in their area and thoroughly enjoy their neighbors. They also enjoy summer weekends at Lake Cumberland.

Joni Nevitt

Whether it’s helping college graduates apply for their first loans, working with people through financial struggles, helping a small business launch or steering established businesses ready to grow to the next level, Joni’s banking career has given her a purpose beyond conventional career success. She finds joy in her customers’ success.

When she isn’t taking care of customers, Joni is an avid hiker and world traveler who has covered hundreds of miles on foot and collected more than her share of adventures.

Scot Rawe

Scot graduated from Eastern Kentucky University with aspirations for a career in broadcasting. When he realized the reality of that life ran counter to what he wanted, Scot proved he could pivot. Tapping into his talents for customer service and guidance as well as his lifelong interest in finance, Scot soon found an entry-level role at a national bank.

After advancing through BB&T then Truist for more than a decade, Scot pivoted again. He joined Heritage Bank to use his skills and talents on behalf of a locally owned bank whose priorities align with the needs in his hometown.

“Some of my favorite interactions are when a client I’ve helped refers friends or family members to me because they know I’ll take care of them," said Scot. “I plan to grow this branch’s loan and deposit portfolio, but also create a welcoming, comfortable environment for customers.”

Jodi King

A 30-year veteran of the financial industry, Jodi has found fulfillment at Heritage Bank. She thoroughly enjoys her colleagues and is grateful for the opportunity to make a difference in her customers’ lives. Jodi’s colleagues and customers appreciate her listening skills and high customer service standards.

“Working for a faith-based bank is a breath of fresh air. We’re expected to treat our customers the way we would want to be treated.”

Tanya Krift

There was a time when Tanya couldn’t envision a career in banking. More than 20 years later, she can’t imagine not being a banker.

“A member of my husband’s Business Network Inc. group had a teller opening and thought banking would be a great fit for me,” said Tanya. “As it turns out, I do love developing relationships with my customers to help them achieve their financial goals.”

While working for a mega regional bank, Tanya heard stories about how Heritage Bank went above and beyond for customers and employees. She also noticed the bank’s commitment to community was hands-on and genuine. Now that she’s joined Heritage Bank, Tanya realizes how hungry she was to connect more deeply with her community, to be empowered to put her customers’ needs first and to feel as appreciated for her commitment to the customer as for the deposits and loans she generates for the bank.

When she isn’t helping her long-time customers and building new relationships, Tanya enjoys hiking with her dogs and exploring new vistas on family vacations.

Mackenzy Rieger

A coach at heart, Mackenzy likes nothing better than helping customers articulate their financial objectives, develop a winning strategy and stay on course. Outside the office, she coaches volleyball for Northern Kentucky Junior Volleyball and for Boone County High School, emphasizing goals, game plans and discipline with student athletes, too. Because Coach Mackenzy believes in the power of positive reinforcement, customers and athletes alike trust her with their personal stories and aspirations.

Mackenzy has quickly established herself as a sharp, knowledgeable banker, but the relational nature of community banking comes naturally. She takes the time to encourage, commiserate and celebrate with customers. One customer even asked her to officiate at her wedding. Mackenzy, an ordained minister, was happy to help coach the bride and groom to a strong start.

Barry Donovan

Most of his customers and colleagues don’t know Barry has a talent for juggling balls, pins and other objects. They do know how well he juggles responsibilities in every banking role he assumes.

Barry started his community banking career as a Mortgage Loan Officer, then moved onto roles as varied as commercial credit analyst, commercial credit manager and mortgage loan operations supervisor before landing his latest role, Head of Consumer Lending.

Barry’s ability to adapt and multi-task may be among his greatest gifts. Whether he’s moving from product to product, customer to customer or keeping up with his two active teenage sons’ baseball, basketball, football and cross country competitions, Barry keeps it all in balance.

Katie Stith

Katie considers herself blessed to be building a career helping her neighbors reach their financial goals and building up the community where she is raising her family. After learning everything she could as a part-time teller in college and working her way up at a couple of national banks, Katie realized she felt more at home at a community bank where customers are neighbors and employees are valued by senior management. First as a branch manager and now as a mortgage loan officer, Katie is proud to help customers realize their dreams.

“Banks should exist to fund our dreams and aspirations,” said Katie. “Working at Heritage Bank is a chance to make my community better, one person and one family at a time.”

David M. Schneider

David M. Schneider believes in community. He is an avid volunteer and dedicated to the civic life of the area. So, it is not surprising that he chose a career building up the community - one home and one neighborhood at a time.

His decades of experience in consumer real estate assures area realtors and homebuyers they can depend on him to know the options available for just about any situation. He also knows the value of time, working efficiently toward a close date.

David Vu

David loves to cook and entertain, so an open concept kitchen is a must for any house his family calls home. He is a graduate of Northern Kentucky University and has honed his mortgage lending expertise over 15 years in the industry. To say David knows the lay of the land is an understatement. There are few neighborhood real estate scenes in Cincinnati and Northern Kentucky unfamiliar to David. But what sets him apart is his connection to his customers. He not only knows them by name, he knows their dogs’ names by closing.

First-time homebuyers, empty nesters and buyers in the market for their dream home all appreciate David’s thorough knowledge of the home financing process as well as his knack for infusing humor and excitement into what could otherwise be a nerve-wracking experience. David is also a champion for new products to better serve our local market. Over a few months, David helped develop mortgage products for specific unmet needs at opposite ends of the market – buyers whose credit disqualified them from conventional lending products and buyers who needed a jumbo loan in order to finance a luxury home. Providing customers options goes beyond presenting what’s currently possible.