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

Courtenay Marshall

Executive Vice President
Chief Credit Officer

Matt Luckey

Executive Vice President
Chief Lending Officer

Ryan Wolford 

Vice President
Information Security Officer

Joe Patterson

Senior Vice President
Treasury Management

Kim Melanson

Vice President
Controller

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.

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.

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.

W. Jason George, Director

Mr George spent the majority of his career working at the Financial Stability Board / Bank for International Settlements (Basel, Switzerland) developing international standards for the financial sector and, in turn, assisting central banks and supervisory authorities in developed and emerging markets to implement them domestically. Previously, he served as a resident advisor – on behalf of the International Monetary Fund and US Agency for International Development – to central banks in several countries, working with them to implement reforms to their oversight of the banking system in the wake of financial crises. Mr George began his career with the Federal Deposit Insurance Corporation, serving as a bank examiner, case manager and capital markets specialist.

Mr George resides in Boulder, Colorado and is active in the local community.

Leeor Farhadian, Director

J.D. from Harvard Law with additional studies at MIT and Oxford. Vast experience in investment management and law. Held senior roles at leading organizations including EnTrust Global and Skadden and Arps. Currently, serves as Chief Investment Officer for a family office.