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Executive Management
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Stephen P. HaggardDirector/President/CEO
Helen ChauEVP/CFO
Michael MoranoEVP/CCO


Stephen P. Haggard has a successful and comprehensive commercial banking background, and has been involved in the executive management of several Phoenix area commercial banks. Most recently Mr. Haggard was involved at the “ground level” organization of De Novo institution, Arizona Bank & Trust, which began operations in 2003. Mr. Haggard was the Executive Vice President/Senior Loan Officer and was responsible for the development, implementation and risk management oversight of all lending functions of the bank. Mr. Haggard was heavily involved in all executive management decisions, which included: strategic planning, asset/liability management, regulatory compliance, deposit generation and human resource issues. Although not a member of the Board of Directors, Mr. Haggard was an attendee at all bank board, and director's loan committee meetings.

Additionally, he was successful in the identification and employment of the majority of the commercial lending, loan processing and cash management staff of the bank, while maintaining overhead below budget.

As the catalyst behind much of the bank's commercial loan and deposit growth, Mr. Haggard helped facilitate the rapid success of the De Novo institution. Within 18 months of operation, the bank exceeded $100MM in total assets and achieved month-to-month profitability, while maintaining a strong credit quality. Mr. Haggard was the “driver” behind much of the business development activity of the bank.

Prior to his tenure with Arizona Bank & Trust, Mr. Haggard was employed by Mesa Bank as a Vice President of commercial lending, beginning in 2001. Mesa Bank, a community bank located in Mesa, Arizona was an emerging commercial bank that saw improvement in its earnings during his tenure. Additionally, the credit quality was maintained at a very high level. Responsibilities included business development and commercial lending within the Phoenix Metropolitan area. As the business development and a senior commercial lending officer, he was responsible for the promotion, development and safety & soundness of the bank's loan portfolio.

Between 1994 and 2001, Mr. Haggard was involved in senior management of Rocky Mountain Bank, a community bank located in Chandler, Arizona that was considered to be a “turn-around” project. Mr. Haggard had numerous responsibilities during his seven year employment with the bank, including the position of Chief Credit Officer. Under Mr. Haggard's management of the loan department, the bank successfully grew the loan portfolio from $9MM to $93MM. His tenure with that Bank culminated with the management of seven commercial loan officers, five loan processors and nine branches and the highest CAMEL rating available. Administrative responsibilities included strategic planning & budgeting for that Bank, development and implementation of lending policies and procedures, the recruitment, training and supervision of the lending personnel, establishment of pricing guidelines for products and services offered, and the identification of new markets and products. Mr. Haggard was a regular attendee of the Board Meetings, acting as the spokesperson for all lending issues pertaining to the Bank. During different stages of his tenure with Rocky Mountain Bank, Mr. Haggard held positions that included Loan Review Officer, Compliance Officer, and CRA Officer. As the Compliance and CRA Officer, he was responsible for the Bank's compliance with federal regulations and disseminated regulatory information throughout that Bank as it became published. As the Loan Review Officer, he was responsible for the integrity of loan ratings assigned to the credits.

Mr. Haggard has spent his entire professional career in the commercial banking industry. Initially employed by the Federal Deposit Insurance Corporation's Division of Supervision, Steve spent his first two years as a bank examiner in Kansas City Region of the FDIC, subsequently transferring to Phoenix, Arizona in 1992. Participating in numerous safety & soundness, compliance, trust and EDP examinations, Steve achieved his “Commissioned Bank Examiner” status with the FDIC in 1993.

Mr. Haggard is a 1989 graduate from the University of Iowa, with a Bachelor of Business. Administration Degree. A Major and Minor were obtained in Finance and Economics respectively.

Mr. Haggard has demonstrated success in all of the prerequisite responsibilities and duties necessary to serve as the President & Chief Executive Officer of Metro Phoenix Bank. He is a results-oriented, decisive leader that has substantial direct executive management experience in driving sound growth in de novo, emerging, and “turn-around” community banks. He has 17 years of extensive experience as a “complete” commercial banker in the community banking industry, and has 14 years of intensive business development experience in the Phoenix marketplace.

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Helen Chau is Metro Phoenix Bank's Executive V.P., Chief Financial Officer. She is a senior financial professional with an extensive background in banking, which includes financial reporting and analysis, asset/liability management, budgeting and forecasting, branch/back office operations, compliance, internal controls and operational improvements.

Helen started her banking career while in college with Harris Bank in Scottsdale. During her twenty-plus years with Harris, she held a number of senior management positions, which included Assistant Controller, Controller, Regional Controller, Compliance Officer, Y2K Project Manager, Risk Manager, and Chief Financial Officer. She oversaw the opening of several branches, as well as the acquisition of another Arizona bank. During her tenure at Harris, Helen also served as a member on a number of management committees—Executive, Asset/Liability, Audit, Compliance, Risk, Information Security, Community Reinvestment Act, and Bank Secrecy Act.

After she left Harris Bank in 2006, Helen joined Bank USA as their Senior Vice President and Chief Financial Officer, responsible for the overall financial operation of the bank. At Bank USA, Helen was a key member of the executive management, and implemented strategic plans, prepared and monitored bank's regulatory financial statements, prepared GAAP financial statements, implemented internal budget and forecasting models, managed the investment portfolio, and chaired the Asset/liability Committee. She also managed the loan servicing, credit administration, facility management, and risk management functions of the bank.

Helen earned a Bachelor of Science in Accounting from Arizona State University. She is also an active Certified Public Accountant, and a graduate of the ABA National School of Compliance. Helen was selected as one of the Arizona's Top 100 Women in Business in 2004 and was recognized in magazine feature articles.

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Michael Morano

Michael S. Morano joined Metro Phoenix Bank in July 2012 as the Bank’s Executive Vice President and Chief Credit Officer. Mr. Morano has served several local community banks in the valley and has gained a well earned reputation as a solid, loyal and knowledgeable banker. He is a seasoned executive in the local market with the experience and commitment to serve the local businesses in the Phoenix metropolitan area.

Prior to joining Metro Phoenix Bank, Mr. Morano held the position of President at First International Bank and Trust and was responsible for supervision of two banks within the Scottsdale market. Since joining First International Bank and Trust in 2010, he enhanced the reporting processes and efficiencies and grew transaction accounts in excess of $5MM and new loan relationships by $7MM.

During 2004 through 2007, Mr. Morano served as President and Chief Executive Officer of Sunrise Bank of Arizona. Mr. Morano joined Sunrise in April of 2004 and successfully re-built and re-tooled the bank into a highly efficient bank. He was directly responsible for improved bank culture and the identification of 27 new employees within the initial 18 months of his oversight. He also reconstituted the board of directors with businessmen that represented a cross section of the business community. Over time Mr. Morano diversified Sunrise Bank of Arizona’s asset base from an SBA focused provider to an efficient multi profit center bank that specialized in commercial real estate lending, commercial and residential lending as well as, government backed lending. Under Mr. Morano’s tutelage, Sunrise Bank of Arizona achieved its three most profitable years in the bank’s eight year history.

Mr. Morano is a relationship oriented executive and has a strong core following of bank clients. He has demonstrated throughout the years that his style of responsiveness and attention to client needs fosters loyalty. Mr. Morano has a core following of 50+ clients that have followed him from bank to bank and have brought depository and lending opportunities to the institutions in which he has served.

Mr. Morano’s former banking experience includes playing a key role in the organization of a de novo community Bank, Scottsdale Business Bank, during 2007 through 2009. He was responsible for bank site selection, name identification, personnel hiring, preparation of regulatory application and financial projections along with vendor establishment. He also held positions as Chief Credit Officer of BankUSA from 2001 – 2004 and Vice President Commercial Lender with Rocky Mountain Bank from 1998-2001. His professional banking career commenced as a safety and soundness bank examiner with the Federal Deposit Insurance Corporation; achieved commissioned status. Mr. Morano has been a resident of the Scottsdale and Phoenix market for over 30 years and has been involved in local banking for more than 20 years. He holds a Bachelor of Science in Business Administration (finance) from Northern Arizona University as well as an MBA from Arizona State University. Mr. Morano serves on the Board of Junior Achievement Arizona and is an advisory member to the School of Global Management at Arizona State University.

 
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