Sales and Business Development

Sales Team

East Coast Sales

Phil Hartsig, Senior Vice President, Regional Sales Manager, East

Service Area: Delaware, Maryland, New Jersey, North Carolina, Virginia, and Washington, D.C.
Phil Hartsig joined HSA Bank in 2008 as Regional Vice President of Sales and was promoted to Vice President, Regional Sales Manager, East, in 2017. He is responsible for developing and maintaining relationships with insurance carriers, benefit consultants, third-party administrators (TPAs), employers, and other financial institutions. Before joining HSA Bank, Phil spent over 27 years working in various roles with health insurance carriers, TPAs, and benefit consulting firms. He was an early advocate of consumer-directed health plans as a means for his clients to rein in spiraling healthcare costs.

Phil currently resides in the Nashville area and can be contacted by email.

Servicing groups with 10,000+ employees

Scott MacDonald, Vice President of Business Development – National Accounts

Service Area: Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, Michigan, Mississippi, North Carolina, Ohio, South Carolina, Tennessee, and Virginia
Scott MacDonald 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. His knowledge and expertise in this field has allowed him to be successful in partnership management and sales roles.

Scott currently resides in Charlotte and can be contacted by email.

Servicing groups with 1,000 to 9,999 employees

Heather R. Harte, Regional Vice President

Service Area: Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and Tennessee
Heather Harte 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 active with the National Association of Health Underwriters, and she 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 contacted by email.

Sue Ruda, Regional Vice President

Service Area: Alabama, Florida, Georgia, Mississippi, North Carolina, and South Carolina
Sue Ruda joined HSA Bank in 2018 as Regional Vice President of Sales. In this role, she provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 1,000 to 9,999 employees. Prior to joining HSA Bank, Sue worked as the director of service and account management at Coventry Health Care, where she built and fostered strong relationships with brokers, consultants, senior managers, and plan administrators. She also served as senior client consultant with Arthur J. Gallagher & Co., where she used her skills of underwriting, project management, customer retention, relationship management, and negotiation.

Sue resides in South Carolina and can be contacted by email.

Jordan Wilson, Regional Vice President

Service Area: Delaware, District of Columbia, Maryland, Massachusetts, New Jersey, Virginia, and West Virginia
Jordan Wilson joined HSA Bank in 2018 as Associate Vice President of Sales. In this role, he provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 100 to 1,000 employees. With 15 years of sales and account management experience, he previously worked as an account executive with Benefitfocus and as a sales executive with Kronos, where he built a pipeline and sold a full suite of product offering.

Jordan resides in the northern Virginia area and can be contacted by email.

Servicing groups with 100 to 999 employees

Jolene Rambone, Associate Vice President

Service Area: Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont
Jolene Rambone joined HSA Bank in 2018 as Associate Vice President of Sales. Before joining HSA Bank, Jolene spent eight years working in the health insurance industry, focusing primarily on retention through overall client satisfaction. She is an active member of the New England Employee Benefits Council of Massachusetts. Jolene received her bachelor’s degree in kinesiology from the University of Rhode Island, and she is currently pursuing a master’s degree in health promotion at Rhode Island College.

Jolene resides in Burrillville, Rhode Island, and can be contacted by email.

Sara Jo Richmond, Associate Vice President

Service Area: Indiana, Kentucky, Michigan, and Ohio
Sara Jo Richmond joined HSA Bank in 2019 as Associate Vice President of Sales. In this role, she provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 100 to 999 employees. Sara Jo has more than 20 years of experience working in the financial services sector. Prior to joining HSA Bank, she worked as a healthcare product group regional sales executive and membership advantage officer at Fifth Third Bank. She also coordinated financial wellness workshops and engaged with employers about the benefit value and potential cost-savings of pairing tax-advantaged accounts with health plans.

Sara Jo resides in Grand Rapids, Michigan and can be contacted by email.

Wm. Joseph Renaud, Associate Vice President

Service Area: Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia
Joe Renaud 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 in business from Fontbonne University in St. Louis, Missouri.

Joe currently resides in the suburban Pittsburgh area and can be contacted by email.

Rantz Walters, Associate Vice President

Service Area: Alabama, Florida, Georgia, Mississippi, South Carolina, and Tennessee
Rantz Walters joined HSA Bank in July of 2015 as a Senior Relationship Manager, and he was promoted to Associate Vice President of Sales in 2016. Rantz is responsible for developing and maintaining relationships with insurance carriers, brokers, consultants, GAs, TPAs, and employers. He is also an active member in the National Association of Health Underwriters, serving in the Atlanta chapter. Before joining HSA Bank, Rantz spent 19 years working in the payments processing industry. Rantz graduated from Auburn University.

Rantz currently resides in the Columbus, Georgia area and can be contacted by email.

Perry Spinelli, Associate Vice President

Service Area: Virginia, Washington D.C., North Carolina, and South Carolina
Perry joined HSA Bank in 2019 as Associate Vice President of Sales. He provides solutions to employers, brokers, and financial advisors by offering health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 100 to 999 employees. Before joining HSA Bank, Perry served in multiple sales and account executive leadership roles for companies in the insurance industry and consumer-directed healthcare. He managed key sales territories and developed strategies to boost health management and reduce plan costs for clients. Perry holds a bachelor’s degree in business administration from the University of Wisconsin – Milwaukee.

Perry currently resides in North Carolina, and he can be contacted by email.

Servicing groups with under 99 employees

Jewelry Yang, Inside Sales Representative

Service Area: Alabama, Connecticut, Delaware, District of Columbia, Florida, Georgia, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, and West Virginia
Jewelry Yang has worked at HSA Bank since November 2008 in various Operations, Business Relations, and Sales roles. She was promoted to Inside Sales Representative in 2017 and now develops and maintains relationships with brokers, benefit consultants, insurance carriers, and employers. Jewelry assists employers with 1-99 employees maintain and add healthcare benefits, including HSAs, HRAs, FSAs, and Commuter Benefits.

Jewelry resides in Sheboygan, Wisconsin, and can be contacted by email.

Sherry Lee, Inside Sales Representative

Service Area: Alabama, Connecticut, Delaware, District of Columbia, Florida, Georgia, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, and West Virginia
Sherry Lee joined HSA Bank in 2018 as an Inside Sales Representative. She assists employers with one to 99 employees maintain and add healthcare benefits, including HSAs, HRAs, FSAs, and Commuter Benefits. Prior to joining HSA Bank, Sherry worked in sales, account executive, and human resources roles at Fooda, DAP Acquisitions, and Cielo Talent. She earned her bachelor’s degree in human resources management and personnel administration from the University of Wisconsin-Milwaukee.

Sherry resides in Milwaukee and can be contacted by email.

West Coast Sales

Rob Bañuelos, Senior Vice President, Director of Sales, West

Rob joined HSA Bank in 2019 and is responsible for creating new revenue opportunities and developing new markets in the western U.S. Rob has more than 30 years of experience, including leadership positions and recognized sales achievements in the healthcare and financial industries. Most recently, he worked for over a decade as the senior vice president, head of institutional sales and client relations with Bank of America/Merrill Lynch, where he oversaw sales and client relationship management of healthcare account products for large institutional employer groups. Prior to this, Rob worked for 12 years in senior sales leadership roles, including vice president of consumer-directed healthcare (CDH) with CVS Caremark. During this time, he was responsible for CDH product management and overall operations, strategic initiatives, and sales support for employer groups. Rob earned a master’s degree in health service administration from Emmanuel College and a bachelor’s degree in healthcare administration from Stonehill College. He also served in the U.S. Navy with eight years in active duty and 14 years in the reserves. Rob retired from the Navy with the rank of chief petty officer – diver.

Rob currently resides in Charlotte, N.C., and he can be contacted by email.

Christine Walker, Senior Vice President, Regional Sales Manager, West

Service Area: Arkansas, Louisiana, Oklahoma, and southern Texas (Groups with under 100-999 employees)
California, southern California, Nevada, and Hawaii (Groups with under 1000 employees)
Service Area: Alaska, Arizona, California, Hawaii, Idaho, Nevada, New Mexico, Oregon, and Washington (Groups with under 1000-9,999 employees)
Christine Walker joined HSA Bank in 2007 as Assistant Vice President of Sales for the Southwest. She was promoted to Regional Vice President in 2010 and then to Vice President, Regional Sales Manager, West, in 2017. She is responsible for developing and maintaining relationships with insurance carriers, agencies, third-party administrators, employers, and other financial institutions. Christine serves on the Greater Phoenix Association of Health Underwriters (GPAHU) where she was President and Director of Public Service from 2011 to 2012. Before joining HSA Bank, she spent more than 12 years in the financial and insurance industries, focused on providing exceptional customer service to clients in all market sizes.

Christine currently resides in Phoenix and can be contacted by email.

Servicing groups with 10,000+ employees

Patrick Farrell, Vice President of Business Development – National Accounts

Service Area: Arkansas, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Texas, and Wisconsin
Patrick Farrell 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 solidify HSA Bank’s position 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 contacted by email.

Candice Hamilton, Vice President of Business Development – National Accounts

Service Area: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming
Candice Hamilton joined HSA Bank in 2017 as Vice President of Business Development – National Accounts. She is responsible for developing and building relationships with national benefit consultants and large employers to further HSA Bank as a leader in the consumer-directed healthcare space. Prior to joining HSA Bank, Candice worked for six years in benefit and healthcare solution sales, consulting, and management roles, establishing herself as an expert in the healthcare benefits industry. She earned her Certified Employee Benefit Specialist (CEBS) designation from the Wharton School of the University of Pennsylvania.

Candice resides in Seattle and can be contacted by email.

Servicing groups with 1,000 to 9,999 employees

Jim Frugo, Regional Vice President

Service Area: Illinois, Kansas, and Wisconsin
Jim Frugo joined HSA Bank in 2018 as Regional Vice President of Sales. He develops and maintains relationships directly with employers with 1,000 to 9,999 employees. Jim brings to the position a successful track record of more than 20 years that includes high-profile leadership positions and recognized sales achievements in the human resources, payroll, and benefits technology space. Prior to joining HSA Bank, Jim worked sales/sales management and enterprise account executive roles with ADP, Benefitfocus, and Hodges-Mace. In those roles, he focused on benefit administration efficiencies, exchange solutions, and ACA tracking/compliance.

Jim resides in Mount Prospect, Illinois, and can be contacted by email.

Beca Tomcho, Regional Vice President

Service Area: Arizona, California, and New Mexico
Beca Tomcho joined HSA Bank in 2018 as Regional Vice President of Sales. In this role, she provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 1,000 to 10,000 employees. Beca is a licensed benefits broker with 25+ years of experience in the employee benefits industry. She previously worked as a director of employer sales with Benefitfocus and as a senior account executive with PlanSource, and she held various sales leadership roles with SyncHR and Benu.

Beca resides in the San Diego area and can be contacted by email.

Rick Tisch, Regional Vice President

Service Area: Texas and Louisiana
Rick joined HSA Bank in 2019 as a Regional Vice President. He provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 1,000 to 9,999 employees. Before joining HSA Bank, Rick spent 28 years in sales leadership and consulting roles at a variety of firms including many in the healthcare industry. He focused on generating new business and providing consultative solutions for health accounts and services. He holds a BBA in management and marketing from the University of Texas at Austin.

Rick currently resides in Houston, and he can be contacted by email.

Angel Tiedeman, Regional Vice President

Service Area: Arkansas, Iowa, Kansas, Minnesota, western Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, and Wyoming
Angel joined HSA Bank in 2016 as a Strategic Account Executive and moved to her current role as a Regional Vice President in 2019. Angel provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 1,000 to 9,999 employees. Prior to joining HSA Bank, she spent nearly two decades in the consumer-directed healthcare industry, working much of her career at a health insurance carrier in Minnesota. Angel graduated from the University of Minnesota – Duluth with a bachelor's degree in business.

Angel currently resides in the Minneapolis area, and she can be contacted by email.

Steve Moegenburg, Inside Sales Representative – National Accounts

Service Area: Alaska, Arkansas, Arizona, California, Colorado, Hawaii, Idaho, Illinois, Iowa, Kansas, Louisiana, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming
Steve Moegenburg joined HSA Bank as Inside Sales Representative – National Accounts in August 2017. He is responsible for driving new business growth of national accounts by building relationships with key decision-makers. Steve facilitates lead outreach for the HSA Bank West Coast Sales team, and coordinates sales efforts with the Regional Vice Presidents to increase opportunities. He brings more than seven years of experience gained from working in a variety of sales, marketing and account management roles. Before joining HSA Bank, Steve worked as an Account Manager with the Crisis Prevention Institute where he oversaw overall strategy to increase growth for his territory. Prior to this, he served as an Inside Sales Representative with InPro Corporation where he helped increase sales and fostered growth with new accounts. He earned a master’s in business administration from the University of Wisconsin-Whitewater and a bachelor’s degree in marketing analytics from the University of Wisconsin-Eau Claire.

Steve resides in Milwaukee, and can be contacted by email.

Servicing groups with 100 to 999 employees

Addison Lee, Associate Vice President

Service Area: Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, and Wisconsin
Addison Lee joined HSA Bank as a Strategic Account Executive in 2016. He moved into his current role as Associate Vice President of Sales in 2018. Addison provides health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 100 to 999 employees. Before joining HSA Bank, Addison worked for Kohler Co. in project management and business positions. He has a bachelor’s degree in marketing from Lakeland University and an associate's degree in marketing from Lakeshore Technical College.

Addison resides in Sheboygan, Wisconsin and can be contacted by email.

Michelle Piepenburg, Associate Vice President

Service Area: Arizona, Colorado, New Mexico, Utah, and northern Texas
Michelle Piepenburg joined HSA Bank as a Sales Support Specialist in 2016 and was promoted to Associate Vice President of Sales in 2017. She is responsible for developing and maintaining relationships with insurance carriers, benefit consultants, third party administrators, employers, and other financial institutions. Before joining HSA Bank, she worked in various sales and operations roles with a financial holding company that offered complete banking services, payment solutions, asset servicing, and institutional investment management to customers. Michelle graduated from Cardinal Stritch University with a bachelor’s degree in business management.

Michelle resides in Phoenix and can be contacted by email.

Curt Joyner, Associate Vice President

Service Area: Texas, Oklahoma, Louisiana, and Arkansas
Curt joined HSA Bank in 2019 as an Associate Vice President. In his role, he provides solutions to employers, brokers, and financial advisors by offering health-based accounts, including HSAs, FSAs, HRAs, and Commuter Benefits, to employers with 100 to 999 employees. Before Curt joined HSA Bank, he gained more than 20 years of employee benefit experience as a sales leader at several different firms. He focused on territory management, recruitment, and relationship management. He also led sales teams and maintained close relationships with advisors. Curt earned his bachelor’s degree in finance from Louisiana State University.

Curt currently resides in Texas, and he can be contacted by email.

Servicing groups with under 99 employees

Mike Bergan, Inside Sales Representative

Service Area: Arkansas, Illinois, Iowa, Kansas, Louisiana, Minnesota, Missouri, Nebraska, Oklahoma, Texas, and Wisconsin
Mike Bergan started at HSA Bank in March 2016 as a Sales Support Specialist and was promoted to Inside Sales Representative in 2017. In this role, he develops and maintains relationships with brokers, benefit consultants, insurance carriers, and employers. He assists employers with 1-99 employees maintain and add healthcare benefits, including HSAs, HRAs, FSAs, and Commuter Benefits.

Mike resides in Milwaukee, Wisconsin, and can be contacted by email.

Michelle Deppiesse, Inside Sales Representative

Service Area: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, and Wyoming
Michelle Deppiesse started at HSA Bank in November 2016 as a Sales Support Specialist. She was promoted to Inside Sales Representative in 2017. She develops and maintains relationships with brokers, benefit consultants, insurance carriers, and employers. Michelle assists employers with 1-99 employees maintain and add healthcare benefits, including HSAs, HRAs, FSAs, and Commuter Benefits.

Michelle resides near Sheboygan, Wisconsin, and can be contacted by email.