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Executive & Senior Leadership Teams

executive team

Executive Team

Carrie L. Birkhofer, President and Chief Executive Officer

Carrie L. BirkhoferCarrie Birkhofer serves as President and CEO of Bay Federal Credit Union since 1995. Carrie’s passion is to help the community thrive and expand economic opportunity by providing access to locally owned financial products and services. Under Carrie’s leadership, the Credit Union has grown from $70 million to over $1.6 billion in assets. She partners with the Senior Leadership Team and the volunteer Board of Directors to set and drive the vision and mission for the Credit Union and to ensure strategy is executed, all while keeping the member and employee experience forefront in the Credit Union’s actions. Since 2015, Bay Federal’s award-winning culture and service has consistently been recognized as one of the Best Places to Work and the Best Places to Bank. 

Carrie graduated with a Bachelor of Arts in Business Economics from University of California, Santa Barbara, and is a Certified Public Accountant. Carrie is a key member of the community. She was recognized as Woman of the Year in 2018 by the Santa Cruz Area Chamber of Commerce. Carrie is Secretary for Monterey Bay Economic Partnership, past President and scholarship chair of Scotts Valley Rotary Club, audit committee member for the Cabrillo College Foundation, board member for the Salinas Valley Memorial Hospital Foundation, secretary of the Fiserv DNA Client Association and she serves on the audit committee for the California Credit Union League. She lives in Santa Cruz, CA where she raised her three adult children. She loves to walk her puppy, Ollie, on the ocean cliffs, take pictures, read novels, and travel.


Cameron Haste, Executive Vice President, Chief Operations Officer

Cameron Haste

Cameron Haste is the Executive Vice President and Chief Operations Officer of Bay Federal Credit Union, the largest locally owned financial institution in Santa Cruz County. As a member of the Executive Team, Cameron partners closely with the Chief Executive Officer, the Senior Leadership Team, and the credit union’s all volunteer Board of Directors to ensure an alignment of strategy, objectives, and priorities. Cameron fosters a creative and collaborative work environment in order to achieve results and deliver excellent service to members.

Cameron is active in the community and supports a number of causes important to him, focusing on youth engagement, education, social services, and diversity and inclusion. He is the President of the San Lorenzo Valley Rotary Club and has held many distinguished positions with non-profits throughout the region. Cameron is also the President of the Board of Directors for Hope Services. He is a board member for the Measure S Bond Oversight Committee, and serves on the Board of Trustees of Second Harvest Food Bank of Santa Cruz County. 

Cameron holds a Bachelor’s Degree in International Business from California State University, Dominguez Hills. He is a graduate of the Credit Union Executives Society CEO Institute and holds the designation of Certified Credit Union Executive. When not at work or volunteering for the community, Cameron enjoys adventure travel experiences and spending time with his husband and their children. 


Senior Leadership Team

Ryan Cash, Senior Vice President, Chief Experience Officer

Ryan CashRyan Cash is the Senior Vice President and Chief Experience Officer. Ryan oversees the coordination and delivery of the member experience through all delivery channels, including the branch network, call center, ATMs, and digital banking solutions. Ryan joined the organization in 2015 and brings more than a 15 years of experience in the financial industry. Prior to joining Bay Federal, Ryan worked in a variety of management roles, including VP of Consumer Lending at Financial Partners Credit Union, Manager of Consumer Lending, Underwriting, and Credit Risk at Logix Federal Credit Union and Operations Manager at Santa Cruz Community Credit Union. Ryan has an MBA from Pepperdine University and a bachelor's degree from UC Santa Cruz. He serves on the Board of Directors for the Boys and Girls Club of Santa Cruz County.


Alicia Flores, Vice President, Member Services

Alicia Flores Alicia Flores is the Vice President, Member Services. Alicia began her career as a part-time teller at Bay Federal in 1981, and has over 30 years of service in the financial services industry. She oversees the Credit Union’s seven branch locations and team of branch managers. Alicia is responsible for all aspects of branch operations, member experience, production initiatives for achieving sales and business development efforts, and the organization’s high member service standards. Alicia holds a Bachelor’s Degree in Business Management, and presently serves on the Board of Directors for the Hospice of Santa Cruz County.


Amy Ivey, Vice President, Marketing and Development

Amy IveyAmy Ivey is the Vice President, Marketing and Development. Amy joined the organization in 2005, and has over 25 years of experience in marketing financial services and medical industries. Amy's areas of responsibility are marketing, public relations, corporate communications, events, employee education and development, financial education, and community development. Amy is a Certified Strategic Marketing Executive and a 2014 graduate of Western CUNA Management School. She holds a bachelor's degree in Business Administration and Marketing from California Southern University and is pursuing her Masters in Business Administration. She is an Emeritus Trustee of Second Harvest Food Bank of Santa Cruz County, serves on the Board of Directors for the Volunteer Center of Santa Cruz County, Monarch Services, volunteers for the Cabrillo College Foundation Women's Educational Success program, and is a Committee Member for CalCPA Attorneys, Bankers and CPAs Santa Cruz. She is a past member of the Santa Cruz Chamber of Commerce Board of Directors.

Brooke Morley, Senior Vice President, Chief Product Officer

Brooke MorleyBrooke Morley is the Senior Vice President and Chief Product Officer. Brooke previously worked for Bay Federal from 2008 until 2014, when she served as the Assistant Vice President of Lending. She moved to Southern California with her family where she led lending teams with various credit unions. In early 2021, she rejoined the Credit Union as the Vice President of Asset Management. As the Chief Product Officer, she oversees all of the credit union's product management and servicing, including deposit products, loan products, and card products. She also works closely with the consumer and mortgage lending teams to support the Credit Union’s lending programs and provides guidance and strategy for our automation and efficiency objectives. Brooke received two bachelor’s degrees from Santa Clara University, one in Economics and one in Finance. She also is a graduate of Leadership Santa Cruz County.


Megan Rhodes, Senior Vice President, Chief Lending Officer

Megan RhodesMegan Rhodes is the Senior Vice President and Chief Lending Officer. Megan joined the organization in 2008 and has over 30 years in the financial services industry. Megan oversees all aspects of consumer lending, mortgage lending, and loan operations. Prior to joining the Credit Union, Megan spent 25 years working in the Bay Area in the mortgage banking field and was responsible for a variety of functions including: wholesale and retail lending operations, risk assessment and management, regulatory compliance, and loss mitigation. Megan has a bachelor’s degree in Liberal Studies from San Jose State University. Megan has been active in many local fundraising activities in support of The Alzheimer’s Association, Big Brothers/Big Sisters of Santa Cruz County, United Way of Santa Cruz County, Children’s Miracle Network and Second Harvest. Megan serves on the Board of Habitat for Humanity.  


Richard Roark, Senior Vice President, Chief Technology Officer

Richard RoarkRichard Roark is the Senior Vice President and Chief Technology Officer. Richard joined Bay Federal in 2016 to lead the Technology and Information Security departments. In his role, he is committed to ensuring the best and most secure banking experience for members. He comes to Bay Federal with extensive knowledge in the financial services industry, as well as a personal commitment to team building and best-of-breed technologies. Richard was previously the Senior Vice President and Chief Information Officer at Travis Credit Union, where he was employed for 20-plus years. At Travis, Richard also served as the VP of Information Technology, VP of Process Improvement and Network Security, and Assistant VP of Network Security and Operations. Richard is an alum of the Credit Union Executives Society and has earned the Certified Chief Executive designation. He also holds a bachelor’s degree in Management Information Systems from Barrington University.

Michael Smith, Vice President of Mortgage Loan Operations

Michael Smith

Michael brings nearly two decades of experience in the financial industry, including mortgage lending, operations and risk management, and customer service. He most recently worked at SAFE Credit Union as AVP, Real Estate Lending, overseeing a growing mortgage team similar to Bay Federal’s. Michael joined Bay Federal in 2022. He holds an MBA from CSU Sacramento, where he also earned his bachelor’s degree in Government. Michael lives in El Dorado Hills with his wife and two children.



Allyson Stengl, Vice President, Consumer and Business Lending

Allyson StenglAllyson Stengl is the Vice President of Consumer and Business Lending. Allyson joined the organization in 2011 as a loan underwriter and has served as a team lead, Consumer Lending Manager, and most recently, AVP of Consumer Lending. In her role as VP of Consumer and Business Lending, she oversees all of the credit union's consumer lending functions and business lending initiatives. Allyson has a bachelor's degree in Business Management and Small Business Entrepreneurship from Sonoma State University. She is also a graduate of Leadership Santa Cruz County and the inaugural class of BayFed University, the Credit Union's management training program. She is a resident of Aptos, where she lives with her husband and two children.


Rick Weiss, Senior Vice President, Chief Financial Officer

Rick Weiss

Rick Weiss is the Senior Vice President and Chief Financial Officer. Rick joined the organization in 2013 and has 27 years of experience of financial leadership within the credit union industry. Rick oversees all aspects of accounting and finance. Prior to joining Bay Federal, Rick was VP, Finance for First Tech Federal Credit Union. Rick earned a bachelor’s degree in Business Administration with a Concentration in Finance from San Jose State University. He also serves on the Board of Trustees for the Second Harvest Food Bank Santa Cruz County and is a past-Chair of the Santa Cruz County Business Council.


Patty Winters, Vice President, Human Resources and Development

Patty WintersPatty Winters is the Vice President of Human Resources and Development. Patty joined the organization in 2012 and has over 20 years of experience of human resources, talent management, finance, and operations experience in a variety of industries in the Silicon Valley including the high-tech and medical device segments. Patty is responsible for business continuity and oversees all aspects of human resources, including compensation, benefits, and employee relations. Patty also oversees facilities, including all Bay Federal branch locations to ensure the security and safety of staff, members, and visitors on Credit Union premises. Patty was previously Vice President of Human Resources and Administration of Vertical Circuits, Inc. Patty is a certified Professional in Human Resources (PHR). She also serves on the Agency Relations Committee, Allocations Committee and the Campaign Committee for United Way of Santa Cruz County. Patty earned a bachelor’s degree in Business Administration from Purdue University.

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