Board of Directors
Director / Chairman of the Board – Frank J. Ford Jr.
Mr. Ford is a retired banker with over 41 years banking experience. He is an outside, independent director and non-executive Chairman of the Board. He most recently served as EVP and Chief Loan Officer of Seacoast Commerce Bank after Seacoast’s acquisition of Capital Bank, San Juan Capistrano (from October 2017 to August 2019). He joined Capital Bank August 2007 while it was in organization and worked with CEO Kent Falk, President Jeffrey Redeker and directors James Heinrich and Rick Bosemer. From October 2005 to August 2007, he served as SVP and Senior Lender at Pacific Western Bank (successor to Pacific Liberty Bank), Huntington Beach, CA.
Mr. Ford has been a member of STCC since 2012 (Scottish Terrier Club of California) and has been on its Board of Directors since 2016. He currently serves on STCC’s Legislative Committee and has served as Chairman of two annual events.
Mr. Ford received a Bachelor of Science degree in Business Management in 1977 from California State Polytechnic University, Pomona, CA. He currently resides in Huntington Beach, California and has been a resident of Orange County for over 43 years.
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Director / Vice Chairperson of the Board – Angela L. Bienert
Ms. Bienert has over 31 years of banking experience. She began her banking career in 1985 with Wells Fargo Bank (previously Crocker Bank) as a Merchant Teller. From September 1990 through April I994 she was a loan secretary at Sun Country Bank, where she gained experience in document preparation, construction funds control, and reconciliation of loan disbursements. She has worked with various banks and has assisted with the organization of Premier Service Bank, which opened in 2001. During her tenure at Premier Service Bank, she progressed to the position of EVP and Chief Credit Officer. After deciding to do bank consulting in October 2013, she retired in May 2021. She recently ended her retirement, however, electing to assist her husband, Thomas H. Bienert Jr., as Administrator of his law firm, Bienert Katzman Littrell Williams LLP, in San Clemente, CA.
In addition to a long career in banking, Ms. Bienert also served on several non-profit boards, such as Habitat for Humanity’s Riverside Affiliate (seven years), Mend Poverty (two years), and the Unforgettables Foundation, a non-profit dedicated to assisting at-risk and grieving families with finances, helping them afford a timely and dignified funeral for their child (six years). She was an executive board member for all organizations and enjoyed her tenure and the contributions she was able to make.
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Director – James Richard (Rick) Bosemer
Since 1985, Mr. Bosemer has served as President of Accelerated Funding Government Loans, Inc., a California corporation, and as President of Accelerated Funding, Inc., a Nevada Corporation. Both offices specialize in First Trust Deed, Conventional and Government loans, in addition to Reverse Mortgages. Accelerated Funding Government Loans, Inc. is HUD approved to originate FHA Title II Loans and Reverse Mortgages. The Company is also a HUD-approved 203K lender and a HUD REO-approved lender (Santa Ana Field Office). Mr. Bosemer was a Founding Member of the Loan and Marketing Committee, and Member of the Board of Directors of Capital Bank of San Juan Capistrano from its inception in 2008 until it was sold in 2017.
Mr. Bosemer received a Bachelor of Science degree in Business Administration from the University of Southern California in 1975, with an emphasis in real estate, marketing and finance. He has held a California Real Estate Broker’s License and Nevada Mortgage Lending Division Broker’s License since 1976.
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Director – Mark C. Burkhardt, M.D.
Dr. Burkhardt has been an anesthesiologist at Mission Viejo Anesthesia Consultants since 1998 and has served as President and CEO since 2017. He has been a board member of Wellness Clinic of Orange County since 2018. In addition, he has worked with Mission Hospital Regional Medical Center in Mission Viejo since 1997, Children’s Hospital of Orange County in Mission Viejo, and Mission Ambulatory Surgicenter in Mission Viejo. He also serves on the Medical Executive Committee for the Surgical Center Irvine and for Mission Ambulatory.
Dr. Burkhardt received a Bachelor of Science degree in Biochemistry from UCLA in 1988 and a medical degree from the UCI College of Medicine in 1993. He completed his residency in Anesthesiology at the UCSD Medical Center from 1994 to 1997 and was the Anesthesiology Chief Resident from 1996 to 1997. He furthered his education from September 1997 through March 1998 with a University of Iowa Pediatric Neuroanesthesia Fellowship. He received Board Certification in 1998 from the American Board of Anesthesia.
Dr. Burkhardt presently resides in Laguna Hills, California and has been a resident of Orange and San Diego Counties for over 28 years.
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Director – Richard Ham
Mr. Ham has a twenty-year history in the hotel and restaurant business. He has created quality hospitality experiences across several sectors including lodging, food and beverage, and guest entertainment. He is currently the owner and CEO of RCH Hospitality, Inc., Mission Viejo, California. He has been Managing Partner of Casa Resorts, Inc. since June 2002 and President and CEO of Eight88Hospitality since May 2018. He also owns and operates several other companies in the hospitality business. He acquired his first hotel in Laguna Beach in 2002. As CEO of Eight88 Hospitality, he brings a thorough knowledge of the hospitality industry, commitment to quality service, and unwavering attention to detail.
His career in the hospitality industry began with Hilton Hotels Corporation, where he managed up to 1,200 team members at several brand flagships, including Hilton Portland, Hilton Anaheim, and Hilton Costa Mesa. During his time with Hilton Hotels, he developed and incorporated operational strategies that dramatically increased gross revenues.
Mr. Ham graduated in 1991 from Long Beach State University with a Bachelor of Science degree in Political Science and received a Finance Certification in 1996 from Cornell University. He has lived and worked in the Orange County market area for over 20 years.
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Director – James A. Heinrich, M.D.
Dr. Heinrich is a facial plastic surgeon who specializes in performing cosmetic and reconstructive surgery to the face, head, and neck region. He received his Doctor of Medicine degree from Loma Linda University in 1988. The following year he completed his post-graduate internship and surgery training at Loma Linda Medical Center. Dr. Heinrich completed four years in Otolaryngology-Head and Neck surgery at Loma Linda University Medical Center. During his Head and Neck training, he developed a strong interest in plastic surgery. He went on to complete a one-year fellowship specializing in Facial Plastic and Reconstructive Surgery of the head and neck at the University of Illinois.
Dr. Heinrich did extensive training in laser technology and currently offers the most advanced laser procedures utilizing state-of-the-art lasers. He also worked extensively in the diagnosis, treatment and reconstruction of all types of skin cancer while training and continues to utilize that expertise in his practice. He has a keen interest in not only treating skin cancer, but also utilizing varying modalities to prevent skin cancer.
In 1999, Dr. Heinrich founded Pacific Coast Cosmetic & Laser Medical Center, Inc., a comprehensive aesthetic laser center in Mission Viejo, CA, offering a wide variety of both surgical and non-surgical procedures all done by Dr. Heinrich. He also serves as a member of the Board of Directors of the Mission Hospital Foundation and is board certified by the American Board for Otolaryngology Head and Neck Surgery and for Facial Plastic and Reconstructive Surgery.
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Director – James Riskas
Mr. Riskas is the founder, President and CEO of RNE Investments, Inc., a company that manages a diverse investment portfolio, including commercial real estate, robotic engineering, vineyard management, and marketing.
Prior to RNE Investments, he was the majority owner, President and CEO of SuttCor International and Polaris Properties, Inc. where he provided financial planning and asset management and offered private syndication investments for approximately 400 high-income and high-net-worth individuals, including physicians and professional athletes.
Mr. Riskas has served on the boards of several organizations, including the Wildlife Waystation, The Literacy Project Foundation, and the Orange County Technology Foundation. He was the first individual to receive the Red Apple Award from the Saddleback Unified School District and was the inaugural recipient of both the Businessman of the Year Award in 2006 and the Business of the Year Award in 2015 from Rancho Santa Margarita, CA.
He also received the Orange County Board of Education “Outstanding Contribution to Education” Award in 2014, among many other acknowledgments for his contribution to education.
Mr. Riskas received a Bachelor of Arts degree in Economics (Cum Laude) from UCLA in 1974, and a Master’s degree in Accounting and Finance (Summa Cum Laude).
Mr. Riskas presently resides in Dana Point, California and has been a resident of Orange County for over 44 years.
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