Leadership

As Chief Executive Officer and President, Stephen Raffaele is tasked with managing and providing leadership to the bank’s management team, as well as developing and leading the strategic planning initiatives that ensure the long-term growth and profitability of the bank. He joined American Bank as Senior Executive Vice President and Chief Operating Officer in 2016 and was promoted to President and Chief Operating Officer in 2017. He became Chief Executive Officer and President in 2019. Prior to that time, Stephen held various C-level positions in several financial organizations including F&M Bank & Trust Co. and Guaranty Bank, both in Dallas, as well as Sterling Bank in Houston.

Stephen is a Chartered Financial Analyst (CFA) and is an active member of the CFA Institute, Baylor Angel Network, Financial Executives International and the Association for Financial Professionals. In addition, he serves on the boards of the Art Museum of South Texas and the Texas Bankers Association Services Co., as well as on the advisory board of the Baylor University School of Nursing. He is a graduate of Baylor University, where he earned a B.A. in Business.

As Chief Financial Officer, Tom Adams is responsible for all aspects of the bank’s accounting, policy and financial reporting functions. Before joining American Bank, Tom accumulated over 25 years of public accounting and financial service experience with Triumph Bancorp Inc. and F&M Bancorporation Inc., in Dallas and KPMG Chicago.

Tom is an active member of the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants and the Dallas CPA Society. He’s also a proud alumnus of Illinois State University, where he earned a B.S. in Accounting.

As Chief Credit Officer, David Doherty oversees and manages the bank's loan portfolio. With over 29 years of banking experience, David previously served as the Executive Credit Officer for IBERIABANK in Houston, with responsibility for credit approval and oversight of the Louisiana, Arkansas, Tennessee, Alabama and Texas energy markets, as well as credit responsibility for the business banking sector and the corporate-wide commercial underwriting team.

David graduated from Louisiana State University with a B.S. and an M.S. in Finance.

As Market President – Austin, John Greenwood is responsible for all commercial lending activities in Austin and the surrounding area. He has over 17 years of financial institution experience, and served as Executive Vice President with Frost Bank in Austin with responsibility for leading an Austin-based team of bankers focused on middle market and corporate client relationships prior to joining American Bank.

A native of Austin, John is active in the community, working with many organizations in both leadership and volunteer capacities including Ronald McDonald Charities of Central Texas, Habitat for Humanity, the Austin Chamber of Commerce – Opportunity Austin 4.0, Leadership Austin, and the Muscular Dystrophy Association. John has served on the Central Texas Board of the March of Dimes for the past 6 years. He holds a Bachelor of Science in Finance from Louisiana State University.

As Executive Credit Risk Officer, Robin Ingari has dual responsibilities as a regional credit officer and for developing and implementing new bank-wide enhanced credit risk management and enterprise risk management (ERM) programs. Prior to American Bank, Robin gained over 30 years of commercial banking experience while holding various leadership roles at Texas Commerce Bank, JP Morgan, Comerica Bank, and Regions Bank.

In addition to her banking duties, Robin is an active member of the local and state board of Robert Morris Associates, the executive committee and board of Any Baby Can, and the executive leadership team for the American Heart Association. She graduated from the University of Texas with a B.A. in Biology and an M.B.A. in Management and Finance.

As Treasurer, Patrick King is responsible for the bank’s corporate treasury activities including investment management, loan and deposit pricing, and risk management. He joined American Bank with over 20 years of senior level banking management and operational experience at Bank SNB in Oklahoma City and the F&M Bank & Trust Company in Dallas.

Patrick graduated from the University of Texas at Dallas with a B.S. in Economics and Finance.

Todd Lee is responsible for the bank’s information technology strategy and systems. Todd’s career spans more than 30 years, with leadership positions in the banking, education and corporate sectors after serving as a senior consultant with Andersen Consulting. Most recently, he was one of the executive founders of a new Texas-based bank holding company and served as Chief Operations Officer for the subsequent bank. His role there included responsibility for IT, deposit operations, treasury services operations, loan operations, project management, human resources and facilities. In addition to establishing new operational teams, he selected and implemented various platforms and provided day-to-day management for the bank.

Todd holds a Master of Business Administration and a Bachelor of Science from Texas Christian University in Fort Worth, Texas.

As General Counsel and Board Secretary, Townes Mahaffey advises and assists in protecting the bank’s legal interests and maintaining operations within the scope established by law. Prior to joining American Bank in 1995, he practiced commercial and personal injury litigation in Corpus Christi, Texas.

Townes graduated from Texas A & M University with a B.B.A. in Finance, and holds a J.D. from South Texas College of Law in Houston.

As President - South Texas Region, Mark Meyer has responsibility for regional lending and credit approval in the Corpus Christi, Port Aransas, Rockport and Victoria markets. Mark joined the bank in 1997 as a senior lending officer, subsequently serving as chief of branch administration and chief lending officer and has over 40 years of banking experience.

Mark is a graduate of Class 17 of Leadership Corpus Christi and has volunteered with many area organizations, most recently as a board member of the South Texas Naval Foundation and the South Texas Council of the Boy Scouts of America. He earned his B.B.A. in Finance from the University of Texas at Austin.

As Vice Chairman – Central Texas, Joe Petet brings a wealth of experience and Texas banking knowledge to the Austin team. Joe’s responsibilities include chairing the Austin Regional Board and serving as a member of the bank’s Houston Regional Board. Joe also serves on the bank’s Investment Policy Committee and he helped build the bank’s Business Development Culture Model.

With close to 50 years in the banking industry, Joe has held various executive leadership positions with several Texas banking institutions, including Guaranty Bank in Austin and Dallas, Austin President of Bank One Texas, and Austin Chief Executive Officer of BBVA.

Joe currently serves on the community advisory board of the Helping Hand Home for Children and is a former board member of the Greater Austin Chamber of Commerce, Ronald McDonald House Charities of Central Texas, Austin Community Development Corporation (now PeopleFund), the Texas Chapter of the Risk Management Association, the YMCA of Greater Austin and Keep Austin Beautiful. 

Joe holds a bachelor’s degree in finance from The University of Texas at Austin and is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University.

As Market President – Houston, Charlie Phillips is responsible for all commercial lending activities in Houston and surrounding areas. He has more than 30 years of banking experience. Throughout his career, Charlie has led business development, treasury management and lending services for multiple banks across the Greater Houston area.

Charlie holds a Bachelor of Business Administration from the University of Oklahoma.

As Market President – Victoria, Randy Price is responsible for all commercial banking activities in the Victoria and surrounding areas. He has over 27 years of financial institution experience in and around the Victoria area, serving as Senior Vice President with Prosperity Bank with responsibility for developing and managing relationships with commercial and individual clients prior to American Bank.

A native of Victoria, Randy holds a Bachelor of Science in Business Administration / Accounting from the University of Houston - Victoria. Active in the community, Randy has worked with many organizations, including the Victoria ISD Education Foundation, Community Food Bank of Victoria, Victoria Northwest Little League, and Making the Grade, in leadership and volunteer roles.

As Chief Compliance Officer, Cal Ratcliff is responsible for managing compliance activities and the Bank Secrecy Act program. Prior to joining our team, Cal amassed 35 years of progressive management experience in financial institutions and held senior-level positions at the Bank of North Carolina, IBERIABANK, and Wachovia/Wells Fargo.

In addition to his professional duties, Cal is an active member of the Consumer Financial Protection Bureau’s Community Bank Advisory Council and the Chief Compliance Officer Group of the Mid-Sized Bank Coalition of America. He graduated from Wofford College in South Carolina with a B.A. in Economics and Accounting.

As Chief Banking Executive of Commercial and Wealth Management, Donette Stubblefield is responsible for the bank’s Commercial Banking and Wealth Management strategy, and provides leadership to Commercial Banking, Private Banking, and Wealth Management throughout Texas. With over 20 years of banking experience, Donette has held many senior leadership positions, and most recently served as the Chief Fiduciary Officer and subsequently the Global Wealth-Houston Market Executive for a large regional bank.

Donette is an active member of her community and proudly serves on the board of Society for the Performing Arts, Texas Wall Street Women, and as a member of the Executive Women’s Partnership, as part of the Greater Houston Partnership. She earned her B.S. in Health Administration from the University of Alabama-Birmingham.

As Director of Enterprise Planning and Alignment, Suzelle Tinnell is responsible for developing and managing the bank’s enterprise strategy, based on business objectives and long-term goals. Previously, Suzelle managed the bank's newly-organized Project Management Office and served as chief deposit services officer. Prior to American Bank, served as vice president for IT business and project management at Starbucks Coffee Company in Seattle and had a 12-year career in banking with Puget Sound National Bank and worked as a commercial lending officer for US Bank in Washington state.

Before starting her career in the Pacific Northwest, Suzelle attended Texas A&M University-Corpus Christi, where she received a bachelor’s degree in Finance.

As Director of Consumer Banking and Marketing, John Wessman is responsible for shaping consumer banking, treasury management, trust and asset management and marketing at the executive level. With over 25 years of banking experience, John has served as CMO for BBVA Compass’ U.S. markets and Guaranty Bank in Dallas, as well as head of branch operations at Encore Bank in Houston.

John is licensed in Texas as a CPA, and earned his B.B.A in Business Honors and Accounting from the University of Texas at Austin and his M.B.A. in General Management and Entrepreneurship from the Harvard Business School.