Waterfall Bank strives to give clients a different type of banking experience, one that focuses on the client. Our mission is to make banking simple by bringing our customers the latest in technology. Our team will be proactive to assure customers are receiving the right types of products and constantly reevaluating their needs.

Waterfall Bank Staff


Kevin Darmody

President / CEO


Melissa Atkins

Executive Vice President
Chief Financial Officer and Chief Operating Officer

Andy Williams

Executive Vice President
Market President of Pinellas County


Jessica Stephenson

Executive Vice President
Compliance and BSA Officer


Matt Luckey

Executive Vice President
Chief Lending Officer


Joe Patterson

Senior Vice President
Treasury Management


Ryan Wolford 

Vice President
Information Security Officer


Kim Melanson

Vice President


Kendra Casey

Vice President
Fraud Analyst


Janice Calvert

Assistant Vice President
Loan Operations Manager


Waterfall Bank Board of Directors


Benjamin Atkins, Chairman of the Board

Mr. Atkins earned a Bachelor of Arts and a Masters in Gerontology from the University of South Florida. He received his MBA from Western Governors University. He has twenty-five years of involvement in Health Care and Real Estate. Mr. Atkins will lead the Waterfall Bank Board to create a world-class customer experience.


Kevin J. Darmody, President / CEO

Mr. Darmody earned an undergraduate degree in Biology from Dickinson College. He possesses over 25 years of banking experience, most recently as Vice President of Liquidity Management Services at JP Morgan Chase.  He spent most of his career at Custodial Trust Company, which was a wholly-owned subsidiary of the Bear Stearns Companies.  Mr. Darmody rose to be Chief Operational Officer at the bank having responsibility for all bank functions except accounting and compliance. Mr. Darmody also worked at Bank Leumi USA serving as the Head of Service and Delivery responsible for all retail functions at the bank.


Melissa Atkins, EVP, Chief Financial Officer and Chief Operating Officer

Ms. Atkins (No Relation To Benjamin Atkins) earned her associates degree from Gadsen State College. Her career has spanned over 20 years in the banking industry.  She began her career at Florida Choice Bank where she advanced to the Controller position.  In 2008, Ms. Atkins was a founding Executive and EVP of First Green Bank and served as both the Chief Financial Officer and the Chief Operating Officer.  Ms. Atkins has also worked in a consultant role at Cogent Bank in helping manage Cogent’s risk tolerances and profiles.  In addition, she advised senior management in developing the bank’s financial strategy.


David Baruch, Director                                                                                                  

Mr. Baruch received his undergraduate degree from Columbia and a law degree from NYU Law School. He works as a lawyer for a large New Jersey Health Care Firm. Mr. Baruch brings to the board a broad-based knowledge in many aspects of business.


William Hynes, Director                                                                                                

Mr. Hynes earned his MBA from Hofstra University and a Bank Administration degree from The University of Wisconsin. He is the former Chief Operations Officer of Bank United, serving in that capacity from 2010 to 2017.  He has specialized in building infrastructure for financial services companies.  He has been involved with several mergers and the system and operational integrations that stem from those transactions.  Mr. Hynes has spent a great deal of his career focusing on Information Technology as well as Cyber Security.  Mr. Hynes is currently retired.


Julian Mesa, Director

Mr. Mesa earned a Bachelor of Science degree from Florida Atlantic University and has an inactive CPA License. He recently retired as Executive Vice President of Iberia Bank.  He has also served as an Executive Vice President for Sabadell United Bank.  Mr. Mesa was the President and Head of Lending of Transatlantic Bank which merged with Sabadell.


Michelle Weiner, Director

Dr. Weiner earned her undergraduate degree from University of Florida, a Master’s in Public Health from Nova University and her MD from the University of Miami. She is a Doctor of Osteopathic Medicine Specializing in Pain Medicine and currently serves as the Integrative Wellness Medical Director of the Spine and Wellness Centers of America.  She is also on the faculty of Nova Southeastern University College of Osteopathic Medicine and the Florida International University College of Medicine.


Charlie Robinson, Jr., Director

Charlie is a native of Clearwater, Florida, and is actively involved in the Tampa Bay community. He currently serves as the President of SandStone Insurance Partners, a full-service insurance brokerage operating in Florida, Georgia, and South Carolina. He previously worked for USI for 33 years, specializing in the property and casualty industry with a focus on large risk management accounts. Charlie has built a national reputation for delivering impactful results to his clients’ risk management needs, particularly in the hospitality, healthcare, and private equity sectors.

Charlie earned his BSBA in Finance from the University of Florida in 1990. He has held various leadership roles, including President of YMCA of the Suncoast (current board member), President of Goodwill Industries Suncoast, and President of Belleair Country Club. Additionally, he was a member of the Planning and Zoning Board of the city of Belleair and served as the Finance Chair of Ruth Eckerd Hall.


Lance King, Director

Lance received a B.A. from Tufts University and a J.D. from the University of Pennsylvania Carey Law School. He currently serves as counsel in the Investment Management Group at Seward & Kissel LLP located in Washington, DC, where he focuses on a broad range of regulatory, compliance, and transactional matters affecting investment companies and registered investment advisers. His experience includes counseling clients in the establishment, registration, and operation of registered investment companies; developing and reviewing compliance programs for investment companies and investment advisers; and counseling clients undergoing regulatory examinations.
Lance previously served as assistant vice president and associate general counsel at an investment management firm, where his responsibilities included the preparation of disclosure and regulatory filings, the review of mutual fund advertising, and drafting and reviewing contracts with service providers. He formerly held Series 7 (General Securities Representative), Series 24 (General Securities Principal), and Series 53 (Municipal Securities Principal) FINRA licenses, and earned the Claritas® Investment Certificate from the CFA Institute.