TFS金融公司 TFSL

Meredith S. Weil joined Third Federal Savings and Loan in 1999 and was named Chief Financial Officer of Third Federal and TFS Financial Corporation in 2024. In her 25-year tenure with the company, she has held several key management roles, most recently as Chief Operating Officer from 2012-2023. Prior to that, she served as Regional Manager of Retail Delivery Operations, as well as the Head of Customer Service, Internet Services and Marketing. She has worked in the banking industry since 1992 and is a member of the board of trustees of both The Cleveland Orchestra and Hawken School. Ms. Weil notified the board of her retirement from her employment and her position on the Board effective January 2027. On May 28, 2026, TFS Financial Corporation announced that Meredith S. Weil will retire from her position as a member of the Board of Directors effective May 28, 2026.

Cathy W. Zbanek joined the Association in 2001, and was named Chief Synergy Officer in 2020. In her role, Ms. Zbanek is responsible for fostering the internal synergy of the organization as well as customer engagement. She most recently served as Chief Marketing and Human Resources Officer since 2013. Prior to her roles on the executive team, Ms. Zbanek directed several of the company's key strategic business projects as well as systems design and development. She also managed several Third Federal departments, including Customer Service and Marketing. Before joining the Association, Ms. Zbanek served as a senior consultant with Waterstone Consulting, working in their Management Consulting Group. Her experience also includes working with the consulting group, Price Waterhouse Coopers. She holds a BA in Economics and Psychology from the University of Pennsylvania.

Terrence L. Bauer has more than three decades of experience in executive leadership roles in both entrepreneurial and established companies. He currently serves as CEO Emeritus of Specialdocs Consultants, a role he has held since March of 2025, and as a Director of Kerix, LLC the parent company of Specialdocs Consultants, LLC since that company was formed in November 2023. Mr. Bauer served as CEO of Specialdocs Consultants beginning in 2016 and served on the Board of Directors beginning November of 2015. Prior to his tenure with Specialdocs, he served as the Strategy Practice Leader at Stroudwater Associates, a healthcare management consulting firm. Before that role, Mr. Bauer was Co-Founder, CEO and Director of Orion HealthCorp, a national physician management, revenue cycle services and group purchasing organization. He has also acted as managing partner for Bauer Health for more than a decade, working on merger and acquisition strategies, and focusing on consulting services and growth opportunities for healthcare companies and private equity firms.

William C. Mulligan retired as a Senior Advisor to Primus Capital Funds, a private equity firm, in August 2022. Mr. Mulligan previously served as a Managing Director and Managing Partner of the firm. Prior to Primus, Mr. Mulligan was a consultant with McKinsey & Company. Mr. Mulligan is a trustee of several non-profit organizations and a director of Universal Electronics, Inc. (NASDAQ: UEIC).

Robert A. Fiala is founding partner of the architecture firm, ThenDesign, which he founded in 1989 and is currently ranked as one of the largest design firms in northern Ohio. He is also the Mayor of the City of Willoughby, Ohio, and a previous member of its City Council.

John P. Ringenbach has more than 40 years of experience in the financial services industry, most recently serving as Chief Operating Officer of Third Federal from 1993, until his retirement in 2012. Prior to joining the company, Mr. Ringenbach was president of Commerce Exchange Bank from 1987 until 1993. Before that time, he spent 14 years at Ameritrust.

Terrence R. Ozan serves on the board of directors of multiple privately held companies. He retired from the board of Capgemini in 2014 after 14 years of service. Capgemini provides consulting, technology and outsourcing services around the world. Prior to 2003, Mr. Ozan served as Chief Executive Officer of North American operations and was an executive member of the Capgemini Global Management Committee. Before that time, Mr. Ozan was Chief Executive Officer of worldwide consulting services for Ernst & Young, serving on various boards and governance committees. In his nearly 30-year career at Ernst & Young, he also directed many different U.S. business units of the organization.

Daniel F. Weir has more than 30 years of banking experience, most recently serving as a member of the management team at Third Federal Savings and Loan. Mr. Weir spent nearly 20 years with the company in several executive management capacities, including human resources, business development, lending services, and as a member of the Board of Directors. Prior to joining Third Federal, he served as the District Vice President of Retail Banking for Ameritrust in Cleveland, where he managed more than 20 branches and 200 retail employees. He is a past member of the Board of Trustees for the Urban Community School in Cleveland and is a past member of the Board of Directors and Treasurer for the Naples Press Club of Southwest Florida.

Martin J. Cohen has been a managing partner of H & M Management Company since 1975 and is manager and part owner of seven apartment complexes. He has managed and owned numerous other commercial properties.

Anthony J. Asher currently serves as the Chair of Weston, Inc., a real estate ownership firm that is the largest industrial property owner in the Cleveland, Ohio area, which Mr. Asher founded in 1971. Prior to organizing Weston, Mr. Asher founded Guardian Title Company in 1963.

Barbara J. Anderson is a seasoned activist for successful homeownership in low-income neighborhoods in Northeast Ohio, serving as President of Empowering and Strengthening Ohio's People (ESOP), supporting financial reinvestment into inner-city neighborhoods and lobbying in support of victims of predatory lending. She is the founder and Chief Executive Officer of the non-profit, Another Chance Ohio, which provides clothing, furniture, and appliances to those in need, and operates homes for victims of domestic violence, veterans, and children aging out of foster care. She was chosen to join the Cuyahoga County Community Reinvestment Advisory subcommittee in 2019 and, among other appointments, has served on the Board of the Cleveland Housing Network and the Center for Economic Opportunities of Greater Cleveland. She is retired from the City of Cleveland Department of Community Development, Office of Fair Housing and Consumer Affairs.

Deborah (Debbie) L. Hand joined the Association in 2008, and was named Chief Risk Officer in June 2024. Ms. Hand served in several leadership roles throughout the Company, including Default Services Manager, Internet Services Manager, and Escrow Operations Manager, before joining the Risk Management team in 2018. Since that time, she has served in various capacities in Risk Management, most recently as Chief Credit Officer. Ms. Hand holds both a Bachelor of Business Administration (cum laude) and Masters in Business Administration with a concentration in Finance from Kent State University.

Gavin B. Stefanski joined the Association in 2018 in the Management Training Program, supporting the company's branch system in Southern and Northeast Ohio. Mr. Stefanski was named Underwriting Manager in 2019, Loan Production Manager in 2021, and became Chief Lending Officer in March 2022. He was named Chief Experience Officer in May 2023. Prior to Third Federal, he managed multi-billion dollar and strategic clients for ODW Logistics, a national supply chain solutions company in Hamilton, Ohio, where he was responsible for developing and maintaining customized total freight management solutions driving high revenue growth for ODW. Mr. Stefanski holds a BS in Business from the Farmer School of Business at Miami University. Gavin B. Stefanski is the nephew of our Chairman of the Board, Chief Executive Officer and President, Marc A. Stefanski, and cousin of our Vice Chairman of the Board, Ashley H. Williams.

Susanne N. Miller joined the Association in 1998 and was appointed Chief Accounting Officer in 2020. During her time with the Association, Ms. Miller has held various retail and accounting roles, and served on company-wide strategic project teams. Since 2007, she has worked as a manager in the Accounting Department, overseeing procedure implementation, corporate tax reporting and financial statement preparation. Ms. Miller holds a BS in Accounting from the University of Akron.

Timothy W. Mulhern was named the Chief Innovation Officer in January 2024. Mr. Mulhern joined the Association in 2003 as a project manager where he led key strategic business initiatives including a state loan expansion project, and IT projects to replace the company's front-end servicing application, and implementation of an updated loan origination system. Mr. Mulhern moved to IT management, then to operations where he managed various departments including Loan Servicing, Default Servicing and Deposit Operations. He was named the Chief Credit Officer in 2018, and Director of Internal Audit in 2019, where he earned his CIA credentials. Mr. Mulhern joined the Finance Department in February 2021 and served as Chief Financial Officer through 2023. He holds a Bachelor's Degree in Accounting from John Carroll University and an MBA from the Weatherhead School of Management at Case Western Reserve University. Prior to joining Third Federal, Mr. Mulhern was in public accounting with Coopers & Lybrand where he earned his CPA credentials (no longer active), and spent more than a decade as a small business owner.

Michael J. Carfagna was named Chief Information Officer in 2025. He joined the organization in 2014 as a project manager on strategic business initiatives. Following that role, he managed marketing research before moving to Information Technology in 2020. As an IT manager, he has had responsibility for software developers working on updated programming and efficient interfaces for both internal and customer audiences, technology project managers directing system enhancements, and most recently, all information systems operations. Mr. Carfagna holds a Bachelor's degree in Economics from Harvard University and an MSA from the University of Notre Dame.