Board of Directors

Luther is Co-founder and Managing Partner at Access Capital Technologies (ACT), an Austin-based company specializing in software and qualification tools for the Microfinance and Nonprofit industries. He previously held the position of Head of Digital Lending and Account Origination strategy at Fiserv, after the company acquired iLendx, a company he co-founded.

Luther’s extensive experience includes senior executive roles at USAA, where he oversaw lending, risk management, and product development. He also held board and leadership roles with LiftFund (formerly ACCION Texas) and Coolerado Corporation. He has deployed over $20 billion in capital, managed portfolios of over $100 billion, and raised more than $1 billion.

Luther is a veteran who supports veteran causes and has a BA in Political Science and Business from New Mexico State University.

Larry began as a loan officer with the SBA, eventually becoming the Regional Financial Director and Deputy Director for the Dallas/Ft Worth District Office. He then held executive positions at Banco Popular and Prosper Bank, before retiring as EVP of Texas Bank in 2017. Now he consults with Texas Bank through L Miller and Associates.

Anna is the Senior VP of Commercial Banking at Truist, with 33 years of experience in Business and Commercial Banking. She serves as Vice Chair of Ann Richards School Foundation, Board Secretary of PeopleFund and Texas Pride Impact Foundation, and is a board member of Greater Austin Hispanic Chamber Foundation. Anna graduated magna cum laude from St. Edwards University with a BBA in Accounting and earned a Master of Science in Leadership and Change in 2020.

As Chief Financial Officer of Opportunity Finance Network, Beth Lipson brings 25 years of experience and deep knowledge of the CDFI industry. Since joining OFN in 1997, Lipson has served in a broad range of roles, leading the organization’s capital, finances and budgets, compliance, grants, and risk management. Lipson has spearheaded several key initiatives during her time at OFN. In 2012, she developed a new executive role to lead the development and execute strategic cross-functional industry initiatives, including the NEXT Awards and Create Jobs for USA. Lipson spent nine years on the financial services team and currently serves on OFN’s investment committee.  Previously, Lipson worked in business valuation at Coopers and Lybrand (now PwC) and spent two years at the Federal Reserve Board researching trends in savings and loans. Her passion for community and mission-driven business brought her to the CDFI world.

Like the industry she works in, Lipson has a strong connection to place. Born and raised in Philadelphia, Lipson received her education there as well. She has an MBA from the Wharton School with concentrations in policy and finance and a BA from University of Pennsylvania.

Cecilia manages service experience, small business and community development, regulatory compliance, sales, and employee performance of 34 Woodforest branches across greater Austin and San Antonio, TX. She began as a retail banker in Sequin, TX in 2001 and was promoted to Vice President of Retail Banking in 2017. Castelo is a graduate of the Bank Operations Institute of Texas and serves on the San Antonio Hispanic Chamber of Commerce Small Business Committee.

Tom Chase is the Chairman of the Board of Insurors Financial Corp. and its subsidiaries,
Insurors Indemnity Company, Insurors Indemnity Select and Insurors Indemnity
Underwriters after having served as President and CEO from their founding to 2014. Tom
began his insurance career in 1972 with the predecessor of Insurors of Texas General
Agency, having previously practiced law with Naman, Howell, Smith and Lee in Waco,
Texas. A graduate of the University of Texas School of Law in Austin, he holds a Doctor of
Jurisprudence with Honors degree and was a member of Phi Delta Phi and Order of
Coif. He has a BA from Vanderbilt University, Nashville, TN. Tom has earned the
designations of Chartered Property and Casualty Underwriter (CPCU), Accredited Advisor
in Insurance (AAI) and Associate in Fidelity and Surety Bonding (AFSB). He is a past
President (1981) and Director (1979 – 1982) of The Independent Insurance Agents of
Central Texas.

His experiences in insurance include:
• Chair at Insurors Indemnity Company
• Chair at Insurors Indemnity Select
• Chair at Insurors Indemnity Underwriters
• Chairman of the Board of Insurors Financial Corp.
• Designations of Chartered Property and Casualty Underwriter (CPCU)
• Accredited Advisor in Insurance (AAI)
• Associate in Fidelity and Surety Bonding (AFSB)
• Previous President (1981) and Director (1979 – 1982) of The Independent Insurance
Agents of Central Texas

Tom serves on committees of numerous civic organizations and is also a member of the
board of directors of Central National Bank. Tom and his wife, Penny, have a son, George,
who is President of Insurors of Texas General Agency, Ltd., and a daughter, Felicia
Goodman, who is the Executive Director of the Cooper Foundation of Waco.

Dorothy is the SVP and MD of Partnerships and Services for CRA/Community Development at Truist. She leads a team of community development managers across six states to execute on Truist’s Community Reinvestment Act objectives. Dorothy serves on several boards supporting housing, small businesses, healthcare, and higher education.

Melinda Costa is a seasoned leader in affordable housing and community development finance, with over 25 years of experience across lending, underwriting, and impact investing. At Wells Fargo, she manages a national portfolio of CDFI clients, delivering capital to support small businesses and underserved communities. Her prior roles include senior positions at Fannie Mae, PNC Real Estate, and Volunteers of America, with deep expertise in LIHTC, NMTC, and multifamily finance. Melinda has served on several nonprofit boards and holds an MBA in Finance from the University of North Carolina.

Bryan Rubio is the Director of Development at The Holdsworth Center, dedicated to supporting and empowering diverse educational leaders. In this capacity, Bryan spearheads fundraising initiatives critical to the center’s success.

Previously, Bryan served as the Chief Development Officer at Waterloo Greenway Conservancy, where he successfully led a $265 million capital campaign for the planning, design, and construction of a 35-acre downtown Austin park. Before this, Bryan founded Rubio & Co. Fundraising Consultants, offering comprehensive support to local nonprofits, from strategic planning and coaching to direct fundraising and grant writing.

Bryan has raised more than $220 million throughout his career. As a Certified Fundraising Executive (CFRE), he brings a wealth of knowledge and expertise to the table. He holds a Masters in Business Administration from St. Edward’s University and a Bachelor of Science in Advertising from the University of Texas at Austin.

Charmane H. Sellers is an Honorable U.S. Air Force Veteran and the President/CEO of ALEON Properties, Inc., a construction and training services with more than two decades in business. ALEON provides renovation, remodel, interior finish-out, and OSHA safety training services to public and private sector clients. Notable projects include work with the City of Austin, Texas A&M San Antonio, and the Department of Veterans Affairs. ALEON is also an EPA Accredited Training Provider, having trained over 500 contractors in lead-safe practices.

Charmane holds degrees in Psychology and Public Administration, with a focus on veteran services, affordable housing, education, and technology. With over 20 years of public affairs and community engagement experience, she has participated in several prestigious business development programs and is a published researcher and author. ALEON is named in memory of her mother, Leona, reflecting Charmane’s legacy as a second-generation entrepreneur.

Jocelyn Johnson Williams, native of Maryland transitioned to Waco, Tx eight years ago.
She quickly became active in the local nonprofit and community engagement sectors. Her
previous role was as the Center of Business Excellence Coordinator for the Centex African
American Chamber of Commerce. In this role, Jocelyn supported the local small
businesses and entrepreneurs, providing business consultants, business education and
workshops, vendor and networking opportunities and other business-related resources.
She currently works as an independent contractor specializing in business consulting,
program management, and community relations. She is also the Event and Sales Director
for Marie’s Wine Bar a local black-owned wine bar in Waco. Here, Jocelyn manages rental
contracts, promotes the events calendar and networks with other businesses to build
community and develop partnerships.

As a former music educator with 20 years of experience in D.C. metropolitan area private
school sector, Jocelyn is also a professional musician with a Master of Music Performance
from The Catholic University of America. She performs locally as a freelance musician and
rings handbells at First Presbyterian Church.

She currently serves as Board Secretary for the McCif Community Investment Fund and
Vice President of Education and Outreach for the Waco Symphony Orchestra Association.
In partnership with Concertmaster Sue Jacobson, she co-created Healing Harmony, a
music and wellness program serving seniors in memory care and youth navigating anxiety,
depression, and autism. In her free time, Jocelyn enjoys traveling, wine tasting, relaxing at spas, and spending time with her husband Morris and their three cats