Frank Espinoza

Executive Vice President and Chief Risk Officer, South Bay Credit Union

Frank Espinoza is Executive Vice President and Chief Risk Officer for South Bay Credit Union. A key member of the credit union’s leadership team, he has more than two decades of financial services experience, with a strong focus on risk management, BSA and operations for credit unions. Frank is particularly well-known for his special expertise in the cannabis space, having worked with cannabis entrepreneurs since 2018, when he was recruited by SBCU to develop and grow an innovative program to meet the needs of this underserved sector of the business community. A graduate of Western CUNA Management School, he has earned the designations of Certified Fraud Examiner (CFE), Certified Anti-Money Laundering Specialist (CAMS) and Certified Commercial Cannabis Expert (CCCE).