Our People


Bringing banking to the quarter of the US population with limited access to the financial system is no small task. It takes people from all sides, with all manner of experience.

Banking, FinTech, risk, identity management, technology, innovation, finance, marketing, social programming, community education – all these skillsets are well represented in the mix of diverse talent we’re proud to bring together under the Verdigris banner.


Join Our Team

To solve tremendous problems, you need tremendous people. Our people are at the top of their field of expertise, and to a person, stand behind a commitment to do well by doing good.

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Michael Coghlan

Mr. Coghlan is an experienced operational and technical leader with background across financial services and business & technology consulting. As CEO he is responsible for both the holding company and the technical strategy and development.

His previous roles include CIO and GM Strategy at Lloyds International, Managing Director and Global COO for Limehouse Consulting and in strategic planning with Accenture.


CTO & ciso

Crystal Lehman

Ms. Lehman is a technology professional with career success leading Information Technology innovation for high-growth organizations. She brings extensive experience in architecting application solutions, facilitating software development and driving project management teams.

Her previous roles include Principal Consultant with Elle Technology and Executive Director of Software Security with International Cruise & Excursions.


CFO (interim)

Rob Milrod

Mr. Milrod is a senior finance leader with over 25 years of experience. He is a Director with CFO Consulting Partners LLC, primarily supporting the firm’s Banking and Financial Institutions practice, providing senior-level financial management services.

His previous roles include CFO at Citi Shared Services, as well as Group Head for Citi Planning & Analysis, Corporate Ops & Technology.



Nils Krumins

An accomplished Human Capital, Operations & Services leader, Mr. Krumins has over 20 years experience developing and transforming HR and Operations organizations. Leveraging labor relations and law degrees from Cornell and Loyola, he is creating his third HR organization from the ground up for Verdigris, following successful buildouts for US Soccer and Frontpoint. 

Prior FinTech and Payments industry experience includes executive and leadership roles with FICO, BillingTree and Bloomberg.



Gwen Robinson

Ms. Robinson is an accomplished leader for community development and corporate social responsibility.
She previously served as the Managing Director for Corporate Social Responsibility for Santander US, building the firm’s community development, sustainability and grant programs across the US.

Her previous roles included managing consumer compliance and fair lending as a director at the New York State Department of Financial Services, and serving as CRA Officer for banks owned by Goldman Sachs and General Electric.



Stephen Murray

An experienced finance professional, Mr. Murray has nearly 20 years of experience as a banker, investor, manager and operator in the United States and Emerging & Frontier Markets. His experience includes more than a decade of overseeing investments, financial management and the execution of strategic plans.

Prior positions include Managing Director of Africa & Middle East for Aldwych, LLC, and Chief Investment Officer with Pan African Capital Group.


Board of Directors



Chairman & Founder

Sam Rosenfeld

Mr. Rosenfeld is an experienced entrepreneur and growth-focused leader. He also serves as Chairman of the Densus Group, an international risk management firm. Previously, Mr. Rosenfeld served as a Partner at Gabriel Partners AML/RightSource, the leading US anti-money laundering consulting practice to financial institutions (sold to Clarion Capital Advisors in 2017).

He holds an Australian Financial Services License, served as an infantry officer in the British Army, and is an entrepreneur in residence at Wharton Business School. 



Zach Mortensen

Mr. Mortensen is President of ZM Advisors, a firm that helps healthcare technology executives and investors create new products, new business models and new markets.

He has previously served as Executive Director of Portfolio Management at Hill-Rom, Vice President of Solutions Management at M*Modal and as a Group Product Manager at Microsoft.



Robert Goldstein

Mr. Goldstein has been in the banking industry for his entire business career with experience in commercial banks, savings and loan associations and other financial institutions. He has been CEO of numerous banks and thrifts and a director as both a management member as well as serving as an independent director.

He is the founder of CapGen Financial and the Founder and Lead Director for River Road Financial, Inc. (BHC).



Robert Morris

Mr. Morris is an experienced financial officer bringing more than four decades of experience in regulation compliance, reporting and accounting.

He served as Chief Accounting Officer with Key Bank, Director of Financial Compliance at United Technologies and as a Senior Accountant at EY.



James Lam

Mr. Lam is President of James Lam & Associates, and a risk professional with extensive experience as a chief risk officer, management consultant, and private and public board member. He is the author of “Enterprise Risk Management” and quoted in the Wall Street Journal, Financial Times, Risk Magazine, CFO Magazine, and American Banker.

He currently serves as an independent director for several concerns including RiskLens and E*TRADE.