Leadership

Meet the health savings experts behind our success

Our leadership includes some of the foremost experts in the consumer-directed health care market, making our HSA experience unmatched by any other company.

Senior Leadership

Chad Wilkins - EVP of Webster Bank and head of HSA Bank

Charles "Chad" Wilkins, EVP of Webster Bank and head of HSA Bank

Chad joined HSA Bank in 2014 and brings more than 25 years of banking and health insurance industry experience with him. He was most recently president of his own consulting practice specializing in healthcare and financial services. Prior to that, Chad was general manager and chief executive officer of OptumHealth Financial Services, a division of UnitedHealth Group in Minnesota, where he managed all aspects of the $400 million financial services division. He began his career at US Bank's Corporate Payment Systems in Minneapolis where he had roles of increasing responsibility over a 15-year period while helping to build one of the largest and most successful commercial payment groups in the banking industry. Chad earned his Bachelor's degree in Government from Lehigh University.

Itamar Romanini, SVP, Chief Strategy and Growth Officer - HSA Bank

Itamar Romanini, SVP, Chief Strategy and Growth Officer

Itamar ensures the Bank's profitability by developing new strategies, technologies and product enhancements that retain and attract key channel partners including national and regional insurance carriers. Working closely with the sales, business development and relationship management teams, Itamar maximizes the return on partnership investments that contribute to HSA Bank's course of continual growth. Itamar joined the Bank in 2000 and set the stage for HSA Bank's national recognition as a leading HSA custodian. He was responsible for introducing debit card access, brokerage options to invest HSA dollars, and online functionality including the Bank's first website with online banking capabilities and a variety of online tools for employers and account holders.

Tim Patneaude, SVP, Chief Operating Officer (COO) - HSA Bank

Tim Patneaude, SVP, Chief Operating Officer (COO)

Tim Patneaude serves as Senior Vice President and Chief Operating Officer responsible for leading strategic planning efforts to help accelerate business transformation processes and overseeing the Bank's Operational team including staff in Operations, Call Center, Information Technology, and Project Management. Tim joined HSA Bank in 2015 as the company's Senior Vice President and Director of Information Technology and Project Management. Previously, in his role as Executive Vice President, Chief Information Officer and Chief Operating Officer with Wausau Financial Systems (WFS), Tim established infrastructure architecture and an IT services model to engage with internal stakeholders. Prior to his work at WFS, Tim held executive IT management positions with Metavante where he transformed the IT organization by leading the implementation of an information life cycle management methodology and introducing the Six Sigma quality methodology to his division. With over 25 years of experience managing large-scale IT projects and teams, including software development and implementation servicing commercial, financial, and public sector markets, Tim plays an important role in contributing to the company's goals while building a culture of cooperation and partnership across the entire organization. Tim earned his BA in Management Information Systems from the University of Wisconsin – Milwaukee.

Charlotte Kienbaum, SVP Director of Partner Services - HSA Bank

Charlotte Kienbaum, SVP Director of Partner Services

Charlotte Kienbaum serves as the Senior Vice President and Director of Partner Services responsible for strategic partner satisfaction in our large partner and employer channels including service health monitoring, reporting, and the onboarding and integration experience for our most complex relationships. Charlotte joined HSA Bank in 2005 as the Vice President of Operations. Most recently, Charlotte served as Senior Vice President and Director of Operations leading the strategic and tactical initiatives in monetary operations and call center areas, budgeting, contractual review, tax reporting, card processing, customer service, and workforce development. Most recently, Charlotte had executive responsibility for the acquisition and migration of the JP Morgan Chase HSA book of business, including the integration of multiple complex health plan relationships, doubling the size of our business. With more than 19 years of experience in retail banking, lending, relationship management, branch operations, and financial modeling combined with her leadership and management strategy experience, Charlotte is a critical partner to our customers, ensuring the service health and satisfaction of our largest health plans and employers. Charlotte holds a BA in Accounting from Lakeland College and is a Certified Public Accountant.

Kevin Robertson, SVP Director of Sales - HSA Bank

Kevin Robertson, SVP Director of Sales

Kevin returned to HSA Bank in 2015 after serving as our Vice President - National Sales from 2007-2010. As SVP Director of Sales, Kevin is responsible for leading the sales team and driving revenue. He has nearly 20 years of experience in the insurance and financial services industry, as well as banking and covering a diverse spectrum of employee benefits and insurance products and services. He most recently served as Senior Vice President, Director of Operations at UMB Healthcare Services. In addition to his years of leadership as a banking executive, Kevin was also a self-employed business owner for 12 years, managing a large insurance operation with more than 25 separate agency locations, and was a FINRA Registered Representative and Principal for eight years. Kevin has served as president of a number of industry and private organizations on a local and national level, and is a board member of the American Bankers Association HSA Council. He earned his Bachelor's degree from Marquette University.

Jason Kessler - SVP Director of Product Management - HSA Bank

Jason Kessler, SVP Director of Product Management

Jason joined HSA Bank in 2015 and is responsible for overall product management, strategy and innovation. The majority of Jason's career has been spent developing and managing products related to Consumer Driven Healthcare (CDH), including over 15 years of Healthcare and Spending Account experience with J.P. Morgan, United Healthcare's Optum division and WellPoint. Having background developing products for both health insurance companies and financial institutions has allowed Jason to gain unique perspective on the healthcare issues affecting employers and employees and develop solutions that matter most to our customers. He holds a B.A. from the University at Buffalo and an M.B.A. from the Lubin School of Business at Pace University.

Mark Siebold, VP Director of Marketing - HSA Bank

Mark Siebold, SVP Director of Marketing

Mark joined HSA Bank in 2012 as Vice President and Senior Product Manager and is currently responsible for all aspects of HSA Bank's marketing & communications strategy including customer communications & education, brand management, digital marketing and market research. His main focus is on finding new and creative ways to help our customers own their health by making informed decisions about how they use their healthcare dollars before and during retirement. Mark has over 16 years of experience in the financial services, healthcare & retirement industries playing key roles at Thomson Reuters and Charles Schwab with a focus on product development, marketing and client education. He holds a BA in Finance from the University of Wisconsin – La Crosse.

Sue Dorgan - Vice President, Sr. HR Business Partner - HSA Bank

Sue Dorgan, VP Sr. HR Business Partner

Sue joined HSA Bank in 2014 as Vice President and Senior HR Business Partner. She is responsible for the execution of business leadership goals with a focus on the growth, development and engagement of all HSA Bank team members. Sue has over 15 years of experience in Human Resources, primarily in the financial services industry. She earned her Bachelor's degree from St. Norbert College, and is SPHR certified.


Business Development Team

Chris Ebersole - Sr. Vice President of Business Development - HSA Bank

Chris Ebersole, Sr. Vice President Director of Business Development

Chris rejoined HSA Bank in 2011 as Vice President of Business Development after serving as Regional Vice President of Sales from 2004-2006. As SVP Director of Business Development, Chris is responsible for leading the business development team to acquire national accounts and develop health plan partnerships for the Bank's account-based benefit solutions. Prior to rejoining HSA Bank, Chris served as Vice President, Director of Healthcare Sales for The Bancorp Bank to drive the growth of its HSA solution. He has more than 25 years of experience building and maintaining strategic healthcare, banking, and technology partnerships to deliver employee benefit solutions. Chris earned the Certified Employee Benefit Specialist (CEBS) designation from The Wharton School of the University of Pennsylvania.

Michele Harms, Vice President of Business Development - HSA Bank

Michele Harms, Vice President of Business Development – National Accounts

Service Area: Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont
Michele joined HSA Bank as Vice President of Business Development in 2016. She is responsible for developing and building relationships with national benefit consultants and large employers to further HSA Bank as the leader in the consumer-driven healthcare space. Prior to joining HSA Bank, Michele worked for more than 15 years in consumer-driven health account product sales, account management, and sales leadership, establishing herself as an expert within the healthcare benefits industry. She is passionate about consulting with employers and brokers to enhance employer benefit offerings, which has contributed to her success in the marketplace. Specifically, her HSA, FSA, and HRA product expertise has helped her achieve multiple strategic partnerships, sales achievement, and sales awards throughout her career.

Michele currently resides in Moorestown, New Jersey, and serves the Northeast region of the US. She can be reached by phone at (856) 630-1404 or by email.

Scott MacDonald, Vice President of Business Development - HSA Bank

Scott MacDonald, Vice President of Business Development – National Accounts

Service Area: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, Washington, D.C., and West Virginia
Scott joined HSA Bank as Vice President of Business Development in 2016. He is responsible for developing and building relationships with national benefit consultants and large employers to further HSA Bank as the leader in the consumer-driven healthcare space. Prior to joining HSA Bank, Scott has a history of more than 17 years in the employee benefits administration industry and his knowledge and expertise in this field has allowed him to be successful in partnership management and sales roles.

Scott currently resides in Charlotte, North Carolina, and serves the Southeast Region of the U.S. He can be reached by phone at 704-302-4318 or by email.

Patrick Farrell, Vice President of Business Development

Patrick Farrell, Vice President of Business Development – National Accounts

Service Area: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Texas, and Wisconsin
Patrick joined HSA Bank as Vice President of Business Development in 2014. He is responsible for developing and building relationships with national benefit consultants and large employers to further HSA Bank as the leader in the consumer-driven healthcare space. Prior to joining HSA Bank, Patrick worked for more than 10 years in consumer-driven health account product sales, establishing himself as a leader in the industry. He has worked in product rollouts and built relationships with brokers and consultants. Patrick holds a Bachelor of Arts Degree from the University of Minnesota.

Patrick currently resides in the Minneapolis metro area and can be reached by phone at (612) 716-2538 or by email.

Dean Kissel, Vice President of Business Development

Dean Kissel, Vice President of Business Development – National Accounts

Service Area: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Ohio, Oregon, Utah, Washington, and Wyoming
Dean joined HSA Bank as Vice President of Business Development in 2016. He is responsible for developing and building relationships with national benefit consultants and large employers to further HSA Bank as the leader in the consumer-driven healthcare space. Dean is a 20-year veteran of the human capital management and insurance industries. He has served for world class organizations in the human resources and healthcare industries for Fortune 500 companies including ADP, United Healthcare, and Mercer Consulting. He has numerous certifications for teaching continuing education courses in healthcare consumerism and consumer-directed healthcare strategy. He holds an MBA from Babson University.

Dean currently resides in Orange County, California, and serves the Western region of the US. He can be reached by phone at (702) 340-3039 or by email.

Sanders McConnell, Vice President of Business Development

Sanders McConnell, Vice President of Business Development – Health Plans

Sanders joined HSA Bank in 2014. He is responsible for developing and building relationships with national and regional health insurance carriers. Sanders has been a consumer driven healthcare account champion for over eight years including the founding of My HSA Rewards. He has also worked to provide industry leading debit card processing for HSAs as well as other notional accounts like FSAs, HRAs, Rewards and Commuter benefits.

Sanders currently resides in the Atlanta metro area and can be reached by phone at
(770) 856-9847 or by email.

Joel Levi, Vice President, Channel Partner Manager

Joel Levi, Vice President, Channel Partner Manager

Joel joined HSA Bank in 2014. He is responsible for developing and building relationships with Health Plan and Channel Partners to further HSA Bank as the leader in the consumer-driven healthcare space. Joel has more than 20 years' experience in the employee benefits industry, with the last 13 years working in Relationship Management and Sales for some of the largest third party administrators of HSA, FSA, and HRA products, establishing himself as an expert within the healthcare benefits industry.

Joel currently resides in the Seattle metro area and can be reached by phone at
(425) 210-8030 or by email.

Sales Team

Wendy Blumer - Regional Vice President - HSA Bank

Wendy Blumer, Regional Vice President

Service Area: Colorado, Nebraska, Iowa, Minnesota, North Dakota, South Dakota, Montana, Wyoming, Idaho
Wendy joined HSA Bank as the vice president of brokerage in 2007. She is responsible for developing and maintaining relationships with Broker Dealers and Financial Advisors. Before joining HSA Bank, Wendy spent eight years in the insurance and financial services industries. She received her bachelor's degree from the University of St. Thomas in St. Paul, Minnesota.

Wendy currently resides in the Minneapolis metro area and can be contacted by phone at (310) 753-8838 or by email.

David Drzymkowski - Regional Vice President - HSA Bank

David Drzymkowski, Regional Vice President

Service Area: California, Hawaii
David joined HSA Bank as a regional vice president in 2005. He is responsible for developing and maintaining relationships with insurance carriers, agencies, TPAs, employers and other financial institutions in California and Hawaii. Before joining HSA Bank, David spent more than 17 years as a leading health insurance representative. With the introduction of Health Savings Accounts in 2004, David began educating agents, companies and consultants of its benefits and quickly grew into the leading agent for Health Savings Accounts (HSAs) for his company.

David currently resides in the Los Angeles metro area and can be contacted by phone at (949) 374-2853 or by email.

Phil Hartsig - Regional Vice President - HSA Bank

Phil Hartsig, Regional Vice President

Service Area: Alabama, Arkansas, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee
Phil joined HSA Bank as a regional vice president in 2008. He is responsible for developing and maintaining relationships with insurance carriers, benefit consultants, TPAs, employers and other financial institutions in the Southeast. Before joining HSA Bank, Phil spent over 27 years working in various roles with health insurance carriers, third party administrators and benefit consulting firms. He was an early advocate of consumer-directed health plans as a means for his clients to rein in spiraling health care costs.

Phil currently resides in the Nashville area and can be contacted by phone at
(920) 522-3991 or by email.

Glenn Stokes - Sr. Vice President - HSA Bank

Glenn Stokes, Sr. Vice President

Service Area: Illinois, Indiana, Kansas, Michigan, Missouri, Wisconsin
Glenn joined HSA Bank as a regional vice president in 2004. He is responsible for developing and maintaining business relationships with carriers, benefit consultants, MGAs, GAs, agencies, brokers, TPAs and employers in the central region of the United States. Glenn has nearly 30 years of insurance industry experience, first on the carrier side and then later as an agency owner. He graduated from San Jose State University, did graduate work in the MBA program at DePaul University, and spent over two years in the Philippines as a Peace Corps volunteer. He holds the CLU, FLMI and LUTCF professional designations.

Glenn currently resides in the suburban Chicago area and can be contacted by phone at (630) 983-9334 or by email.

Michael Olaiz - Sr. Vice President - HSA Bank

Michael Olaiz, Sr. Vice President

Service Area: Texas, Oklahoma
Michael joined HSA Bank in 2005 as a supervisor in the Client Assistance Center (CAC). He was promoted to the manager of the CAC in 2006. While managing the CAC, Michael took an active role in streamlining processes to create consistency throughout the CAC. He also developed an internal FAQ system that expanded the ability of all departments to provide consistent, accurate responses to customers. Today, Michael is responsible for serving HSA Bank's business relationships in Texas and Oklahoma as Sr. Vice President.

Michael currently resides in the Dallas-Fort Worth metro area and can be contacted by phone at (972) 358-7869 or by email.

Christine Walker - Regional Vice President - HSA Bank

Christine Walker, Regional Vice President

Service Area: Alaska, Arizona, New Mexico, Nevada, Oregon, Utah, Washington
Christine joined HSA Bank in 2007 as the assistant vice president for the southwest; she was promoted to regional vice president in June of 2010. She is responsible for developing and maintaining relationships with insurance carriers, agencies, TPAs, employers and other financial institutions. She also serves on the Greater Phoenix Association of Health Underwriters (GPAHU) as the 2011-2012 President and Director of Public Service. Before joining HSA Bank, Christine spent more than 12 years in the financial and insurance industries, focusing on providing exceptional customer service to clients in all market sizes.

Christine currently resides in Phoenix and can be contacted by phone at (602) 206-9176 or by email.

Wm. Joseph Renaud - Associate Vice President - HSA Bank

Wm. Joseph Renaud, Associate Vice President

Service Area: Pennsylvania, New Jersey and Delaware
Joe joined HSA Bank as an Associate Vice President in 2013. He is responsible for building, developing and maintaining relationships with insurance carriers, brokers, benefit consultants, TPAs, MGAs, GAs, agencies, employers and other financial institutions in Pennsylvania, New Jersey and Delaware. Before joining HSA Bank, Joe spent over 30 years working in various sales and sales management roles with insurance carriers, managed care and employee benefit consulting firms. He is a proponent of consumers having more control of their healthcare dollars and has promoted the value of HSAs as a tool to help employees pay for out-of-pocket healthcare cost with tax-free funds. Joe received his bachelor's degree from Fontbonne University in St. Louis, MO.

Joe currently resides in the suburban Pittsburgh area and can be contacted at
(724) 799-4792 or by email.

Manny Manso, Associate Vice President - HSA Bank

Manny Manso, Associate Vice President

Service Area: Florida
Manny joined HSA Bank as an Associate Vice President in 2013. He is responsible for building relationships with insurance carriers, benefit consultants, brokers, and employers in Florida. Manny brings over two decades of experience in the health insurance industry to our national sales team. Most recently, he served as Vice President of Business Development for Advantica in Tampa, Florida. Prior to that, he was a Sales Executive for Humana. When meeting with business partners and employer groups, Manny enjoys doing the math on how to save with a HDHP+HSA. Manny stays current on employee benefit industry trends including the impacts of health care reform and is a frequent speaker on the topic. He holds the RHU, ChHC and CDHC professional designations.

Manny currently resides in Tampa, Florida and can be contacted by phone at
(813) 399-4990 or by email.

Larry Maistelman - Regional Vice President - HSA Bank

Larry Maistelman, Regional Vice President

Service Area: Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, Vermont
Larry joined HSA Bank as a regional vice president in 2011. He is responsible for developing and maintaining relationships with insurance carriers, agencies, third party administrators, and employers. Before joining HSA Bank, Larry spent 17 years in the insurance and financial services industries, including five years as the owner and president of his own agency. Larry feels HSAs — along with the compatible health plans — offer a strategic way to manage exorbitant premiums in an economic environment that has employers and employees searching for a way to stop the escalating cost of health insurance.

Larry currently resides in the Plainview, NY area and can be contacted by phone at
(516) 349-1429 or by email.

Heather R. Harte - Regional Vice President - HSA Bank

Heather R. Harte, Regional Vice President

Service Area: Ohio, Maryland, Virginia, West Virginia, and Washington D.C.
Heather joined HSA Bank as the Regional Vice President for the Mid-Atlantic territory in 2016. She is responsible for developing and maintaining relationships with Insurance Carriers, Brokers, Consultants, TPAs, and Employers. Heather is very active with the National Association of Health Underwriters and has served in numerous roles at the National, Regional, State, and Local levels. Before joining HSA Bank, Heather spent more than 20 years in the health insurance and financial services industry, focusing on educational awareness and creating the ultimate customer experience for clients and their employees.

Heather currently resides in the Cincinnati area and can be reached at (720) 231-4090
or by email.