Bill Moniz is President and CEO of The Credit Union Loan Source (CULS). In this role, he assists credit unions in meeting specific challenges by providing a competitive loan/investment opportunity. Mr. Moniz is responsible for the management of all aspects of the organization to ensure accomplishment of the mission and objectives compatible with the best interests of member credit unions. Prior to joining CULS, Mr. Moniz spent over 15 years in the auto finance industry with Citizens Bank, Belmont Savings Bank and SunTrust Bank in various senior risk management and product development roles. Mr. Moniz earned a Bachelor of Science in Economics from the University of Rhode Island and is a graduate of the Consumer Bankers Association Graduate School of Retail Bank Management.

RuthAnn Riggs serves as the Executive Vice President and Chief Operations Officer. Ms. Riggs is responsible for investor support, Customer Support, Core Servicing, Quality Assurance, Default Operations, IT, Analytics, Process Improvement, Reporting, and Business Systems Management. Ms. Riggs joined CULS in November 2016 and has over 10 years in financial institutions with roles in business information management and consumer loan operations. Ms. Riggs obtained her Bachelor of Arts degree from Texas Tech University and her Master of Science in Business Management from Troy State University. She received Lean Six Sigma Green Belt and Black Belt certifications from Georgia Tech in 2010 and 2014, respectively.

Kevin Usiatynski serves as the Executive Vice President, Chief Strategy Officer. Mr. Usiatynski is responsible for Dealer Operations, Product Strategy, Dealer Sales, Credit Policy, Scorecard Management, and Strategic Planning. Prior to joining CULS, Mr. Usiatynski spent more than 20 years in the auto finance industry with SunTrust Bank, Citizens Bank, and Chrysler Financial, where he served in management roles across a range of functional areas including business strategy, product development, underwriting, and risk management. Mr. Usiatynski holds a Bachelor of Science degree in Finance from St. John Fisher College in Rochester, NY.

Stan Adkins serves as the Senior Vice President and Director of Loan Operations. Mr. Adkins’ responsibilities are to manage production, daily operations and staff for the Credit, Funding, and Business Development. Mr. Adkins joined CULS in February of 2005 and has 18 years of experience in indirect auto, mortgage, and consumer lending.  As one CULS’s first employees, he was instrumental in development of the loan origination program. Under his management CULS has been successful in creating lasting business relationships with over 400 auto dealers spanning multiple states.

Jon Muller serves as Senior Vice President and Director of Client Operations. In this role, he is responsible for leading day-to-day operations of Customer Service, Collections, Bankruptcy, & Repossession. With more than 20 years of experience specializing in automotive finance call center management, Mr. Muller’s areas of expertise include ensuring customer satisfaction, collections analysis, market trends, project planning, and associate development. Mr. Muller is a community leader, serving on the boards of the McDonough Arts Council and the United Way of South Atlanta. He obtained Lean Six Sigma Green Belt certification from Clayton State University in 2017.

Isaac Holbrook serves as Assistant Vice President and Information Security Officer. In this role, he is responsible for network security and I.T. vendor management, internal and external penetration testing, and management of action plans related to information technology.  Mr. Holbrook has over 15 years in the I.T. industry with networking, firewalling, virtualization, storage, security and infrastructure design and management focuses.  He has spent the last 5 years consulting with financial institutions and assessing their overall security posture.