Investor Relations

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Management

Steven A. Tsavaris
Chairman of the Board and Chief Executive Officer

Steven A. Tsavaris has served as a member of the Board of Directors of Ponce De Leon Federal Bank since 1990. Mr. Tsavaris is currently the Chairman of the Board and Chief Executive Officer of Ponce Bank and Ponce Bank Mutual Holding Company, and Executive Chairman of PDL Community Bancorp. His prior banking experience includes service with the National Bank of North America and the Bank Services Division of Litton Industries.

Mr. Tsavaris is a U.S. Army veteran and a graduate of City College. Mr. Tsavaris is an experienced real estate investor and an active member of various community and philanthropic organizations, including the Southern Boulevard Chamber of Commerce, New York City Area Policy Board (Chairman), SOBO Business Improvement District (Treasurer) and the Neighborhood S.H.O.P. P. Program. He served as a trustee of the Westchester Medical Center, a then affiliate of Columbia-Presbyterian Hospital and was chairman of its audit committee.

Ioannis Kouzilos
Senior Vice President, Chief Lending Officer

Ioannis Kouzilos is currently our Senior Vice President, Chief Lending Officer, a position he assumed in March, 2017. Prior to assuming his current position, Mr. Kouzilos was our Senior Vice President, Asset Management. Mr. Kouzilos has been employed by Ponce De Leon Federal Bank since July 2013 and has managed a number of departments, primarily focusing on asset quality, credit risk, asset recovery and lending operations. From April 2011 to June 2013, Mr. Kouzilos was Vice President, Credit Administrator for Alma Bank, New York, New York.

    David Rodriguez
    Senior Vice President, Chief Relationship Manager

    David Rodriguez has been employed by Ponce De Leon Federal Bank since April 2005. Mr. Rodriquez is currently Senior Vice President, Chief Relationship Manager and was, until March 2017, Senior Vice President and Chief Lending Officer and had held this position since 2007.

      Elizabeth Macias
      Senior Vice President and Chief Information Systems Officer

      Elizabeth Macias is currently our Senior Vice President and Chief Information Systems Officer. In this position, Ms. Macias manages our Information Technology, Vendor Management, Loan Servicing Systems and Facilities Management. Ms. Macias joined Ponce De Leon Federal Bank in August 2015. Prior to this time, Ms. Macias served as Vice President of Information Technology at Intervest National Bank for ten years and has held senior management positions in information technology, management information systems and information security for over 30 years.

        Madeline V. Marquez
        Senior Vice President of SBA/CDFI Initiatives

        Madeline V. Marquez is currently our Senior Vice President of SBA/CDFI Initiatives and assumed this position on February 1, 2017. Prior to that time, Ms. Marquez served as Executive Vice President of the Business Initiative Corporation of New York (“BICNY”) which is a Certified SBA 504 Lender in New York State. Ms. Marquez held various positions of increasing responsibility with BICNY starting in 1998. In October 2012, Ms. Marquez became Chief Operating Officer of BICNY and Executive Vice President in January 2016.

          Carlos P. Naudon
          Director, President and Chief Operating Officer

          Carlos P. Naudon has served as a member of the Board of Directors of Ponce De Leon Federal Bank since 2014 and President and Chief Operating Officer since 2015. Mr. Naudon is currently serving as President and Chief Operating Officer of Ponce Bank and Ponce Mutual Holding Company, and President and Chief Executive Officer of PDL Community Bancorp.

          Prior to joining Ponce De Leon Federal Bank, Mr. Naudon served as a consultant and compliance counsel to Ponce De Leon Federal Bank. Mr. Naudon owns Banking Spectrum, Inc., now a banking publishing company, formerly a bank consulting company. Until 2015, Mr. Naudon was a partner in the law firm of Allister & Naudon. Both of the foregoing firms were established in 1984 to provide services to banking institutions. Mr. Naudon became Of Counsel to the law firm Cullen & Dykman in 2015. Mr. Naudon has also previously served in many senior board positions at other companies. Before retiring from his consulting and law firms in 2015, Mr. Naudon was a frequent lecturer and speaker on banking issues, corporate governance, quality assurance and performance incentives. Mr. Naudon also has current and previous service in various healthcare and community organizations, including serving as Chairman of the Board of Trustees of The Brooklyn Hospital Center. Mr. Naudon is a member of the New York State Bar Association, the New York City Hispanic Chamber of Commerce and other professional associations. associations.

          Frank Perez
          Executive Vice President and Chief Financial Officer

          Frank Perez has served as the Executive Vice President and Chief Financial Officer of Ponce De Leon Federal Bank since January of 2017. Mr. Perez is currently the Executive Vice President and Chief Financial Officer of Ponce Bank, Ponce Bank Mutual Holding Company, and PDL Community Bancorp.

          Mr. Perez is a U.S. Army veteran and a graduate of Austin Peay State University in Clarksville, TN where he received a B.A. in Accounting. Mr. Perez has over 20 years of experience in various capacities in the banking industry with privately and publicly held banks.

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