Rita Toston

Vice President, Risk Management

888.4BAYFED (Toll Free)

Rita Toston is the Vice President of Risk Management at Bay Federal Credit Union. She directs the Enterprise Risk Management program and monitors the Credit Union’s overall risk profile. Rita joined Bay Federal with 20 years of banking experience, including consulting through her own LLC for various small community banks and fintech firms. Her prior roles include compliance, audit, and operations positions at Citibank, where she served as Senior Vice President of Compliance Testing, supporting all U.S. personal banking.

Rita holds a bachelor’s degree in management and finance from Park University and a master’s degree in business administration from Ottawa University. She also earned the Certified Regulatory Compliance Manager (CRCM) certification and is a Certified Bank Secrecy Act Professional (CBSAP).

Outside of work, Rita enjoys traveling, reading, and spending time with her spouse, her two sons, and their Rottweiler puppy, Cody.