Senior Management Team

With over twenty years of leadership experience in the financial services industry, Josephine Moran has substantial expertise in community banking, investment services, residential and consumer lending, business banking, small business and customer experience. She has a proven track record of developing and leading high-performing teams with the ability to initiate change, influence outcomes, and develop and execute strategic plans.

Prior to joining Ledyard, she was the Executive Vice President, Chief Corporate Services and Consumer Lending Officer at Provident Bank. She also served as the Executive Vice President and Director of Retail Banking at Provident Bank, Senior Vice President, Regional Manager, Retirement Services Director with Webster Bank, and Executive Vice President, Director of Retail Banking with Columbia Bank, as well as other senior leadership positions with Santander Bank, Wells Fargo Company, and Wachovia Bank.

She is a member of the Board of Governors at her alma mater University of New Haven and also serves as Chairperson for the Pompea College of Business Advisory Board. She is proud to be the founder and chair of the University’s Women’s Leadership Council, which focuses on providing mentorship, networking and growth opportunities for the university’s female students.

Josephine was named one of Industry Era’s “Top Ten Women Leaders in 2020”. She has been featured in Entrepreneur Magazine, Independent Banker Magazine, Mid-Atlantic Banking, and in Thrive Global’s “Meet the Female Leaders of Finance” Series.

Moran holds an Executive MBA from the University of New Haven as well as an M.S. in Finance and Financial Services. She attended the Fashion Institute of Technology in New York where she received her B.S. in Marketing and Management. In addition, she holds Series 7 and 63 licenses.

Peter Sprudzs is a seasoned banking professional with deep experience in all facets of bank finance and risk management. With a focus on driving growth while prudently managing risk, Peter’s career includes leadership positions at both public and private companies, at specialty as well as mainstream lenders, and in various regulatory regimes. He has worked with balance sheets ranging in size from under $100 million to nearly $2 trillion.

By combining an analytic and data-driven orientation with a collaborative and inclusive leadership style, Peter’s teams have developed powerful growth and risk management strategies, including some that earned multiple Alexander Hamilton Awards from the professional association Treasury and Risk.

Prior to joining Ledyard National Bank, Peter was CFO at BMG Money, and held Senior Vice President positions at Credit One Bank and Flagstar Bank.

Peter holds an MBA in Finance from The University of Chicago Booth School of Business, an MBA in Finance from l’Universite Catholique de Louvain in Belgium, and a BA in Statistics from The University of Chicago. Peter also earned the Financial Risk Management certification from the Global Association of Risk Professionals and has previously held Series 7 and 63 licenses.

Michael Hakoun is the Executive Vice President & Managing Director of Ledyard Financial Advisors, with nearly two decades of experience in the investment management and banking industry. Michael’s extensive wealth management and retail banking experience perfectly complements Ledyard’s strategic goals and passion for developing long-term client relationships.

Prior to joining Ledyard, Michael led a five-state team located in New Hampshire, Vermont, Maine, Massachusetts and Rhode Island supporting 230 branches for TD Bank. The comprehensive team included Wealth Strategists, Investment Advisors, Trust Advisors, Wealth Lending Specialists, Private Client Relationship Managers and Client Services. Prior to leading that team, Michael worked in Canada where he led a Call Center for TD Ameritrade in London, Ontario.  He also worked in Toronto, Ontario, leading the Customer & Employee Experience Strategy groups across the North American Call Centers, which included Wealth Direct Investing & the Wealth Advice Center. Additionally, Michael has Retail Banking experience with TD, as a prior Retail Regional Manager in the Greater Concord - Lakes area of NH. Prior to joining TD, he worked with Citibank & Guardian Life Insurance.

Michael graduated from McMaster University’s DeGroote School of Business in Ontario, Canada with a Master of Business Administration. Michael has a Bachelor of Science degree in Business Economics from the State University of New York at Oneonta and also holds FINRA Series 7, 63, 65, 24 licenses. He serves on the board of Mt. Zion Christian Schools, coaches recreational softball teams for his daughters, and teaches students at his local church.

Amy Osetek joined Ledyard National Bank in July of 2023 as the Senior Vice President, Senior Compliance and CRA Officer. She is responsible for ensuring the Bank adheres to federal and state regulatory requirements. Amy brings 14 years of Compliance and Community Reinvestment Act (CRA) experience from Northway Bank. She has held her Certified Regulatory Compliance Management (CRCM) certification since 2013. As an active member of the Conway, NH community, she currently sits on the board of the White Mountain Milers and volunteers with the Eastern Slope Ski Club Junior Ski Program and local school’s PTO. Amy has a double BA in Business Administration with a marketing focus, and Economics from the University of New Hampshire.

Margie Arbuckle-Morrill joined Ledyard Financial Advisors in August of 2000. She has over 25 years of trust administrative, tax, IRA, charitable gifting and wealth management experience. Prior to joining Ledyard, she was the Life Income Trust Administrator for Dartmouth College for 16 years.

Margie’s professional associations include terms as a member of the Connecticut Valley Estate Planning Council and the Upper Valley Planned Giving Council.

Margie holds a Bachelor’s degree in Business Management from the University of New Hampshire System where she graduated with honors. In January 2002, Margie completed the Cannon Financial Institute’s Trust School with honors. In March 2004, she successfully completed her IRA Professional School training with Cannon Financial Institute. In August 2011, Margie completed all of the Certified Financial Planning course work at Boston University. Margie has also obtained her Certified Trust and Financial Advisor (CTFA) and her Certified IRA Services Professional (CISP) designations.

Catherine has over 30 years of Human Resources leadership experience in hospitality, printing and publishing and healthcare industries.

Prior to joining Ledyard, she was most recently the Program Director of Community Health and Employee Wellness with New London Hospital, D-HH. She also served as the VP, Human Resources at The Elliot Hospital, and the VP, Human Resources at New London Hospital. She is an adjunct professor with Granite State College in the Health and Wellness department.

Catherine serves as the chair of the NH Governor’s Council on Physical Activity and Health. She is proud to be the Program Coordinator for VT/NH Casting for Recovery Chapter, which focuses on retreats for women in all stages of breast cancer treatment and recovery. She is also a Steering Committee member of the D-HH Partners for Community Wellness and on the President’s Advisory Council with River Valley Community College.

Catherine holds a M.S. in Human Resources as well as a B.S. in Human Behavior from Rivier University. She attended Daytona State College where she received her A.S in Hospitality Management.

Katie Blake joined Ledyard National Bank in February of 2016 as the New London branch Manager. In June of 2020, Katie was promoted to Vice President, Regional Retail Manager, responsible for managing the overall performance of Ledyard’s Retail branches, while continuing to directly manage the New London location.

Katie has more than 25 years of customer service experience and has been in banking since 2012. Prior to joining Ledyard, Katie held supervisory roles at People’s United Bank and Citizens Bank. Katie is a very active member of the New London community where she currently sits as Vice President of the Lake Sunapee Region Chamber of Commerce Board.

Robert Capozzoli joined Ledyard in 2024 as Chief Digital Officer. He is responsible for driving digital transformation within Ledyard Bank, leading the development and implementation of digital strategies, products and services that enhance client experience, improve operational efficiency, and support the Bank's overall growth and strategic objectives.

Previously, Rob served as Chief Marketing Officer at Provident Bank in New Jersey where he was a member of Provident Bank's Executive Leadership Team, Technology Steering Committee, Data Governance Committee, Data Operating Committee, Pricing Committee, ALCO, Senior Risk Committee, Data Operating Committee, ESG Council, and is the former Chair of the FinTech Committee. Rob also served as Executive Sponsor and Chair of the Products and Services Committee and served as Chair of the Customer Experience Committee.

Rob is a graduate of the ABA Graduate School of Banking where he also earned a Wharton Leadership certificate.

Scott Coulter, CFP® joined Ledyard in 2024 as Chief Wealth Planning Officer, bringing over twenty years of leadership experience in the wealth management and banking industries. Scott leads the Division’s Financial Advisors, Financial Consultants and Client Administrators, and partners with other divisions of the bank to help clients with a comprehensive banking and wealth management experience.

Most recently, Scott served as the Head of Strategy and Distribution for Citizens Wealth Management. In this role, he was responsible for driving initiatives that significantly grew the business by enhancing processes and programs, ensuring exceptional experiences for both clients and colleagues. Scott has also been the National Sales Manager, leading a large team across all client segments, from emerging affluent to Ultra High Net Worth.

Before stepping into leadership roles, he worked as a Financial Advisor, focusing on comprehensive financial planning for his clients. Passionate about the financial planning process, Scott is dedicated to unlocking clients’ full potential and enhancing the lives of both our team and our clients.

Scott holds a CFP® designation and FINRA Series 7, 24 and 65 licenses. Additionally, he is a recent graduate of the Consumer Banking Association’s Executive Banking Program.

Susan Fernald joined Ledyard National Bank in August of 2018 as the Senior Vice President Bank Operations. In her role as Chief Risk Officer, she continues to oversee the operations department including online banking, and is responsible for oversight of Operations, Compliance, Information Technology, Security and Vendor Management. She will also serve on the Executive Committee.

As head of operations for Ledyard, Susan led the bank through the system conversion in 2019, along with playing a pivotal role in many technology initiatives. Prior to joining our team, Susan spent 2 years with Bar Harbor Bank and Trust which was a result of the merger with Lake Sunapee Bank which she spent most of her career of 31 years. She began as a customer service representative, she grew within the company and was the Vice President Operations Manager for the last 7 years, she was pivotal in the 7 acquisitions and completed 2 system conversions while with Lake Sunapee Bank. Susan is a graduate of New England School of Financial Studies, Northern New England School of Banking and she is a Certified IRA Service Professional with the American Bankers Association. She has been a member and chair of the Vermont Bankers Association Operations Committee.

She currently resides in Sunapee, NH with her husband and is a proud grandmother of 7 beautiful grandchildren.

Kathy LeClair is the Senior Vice President and Director of Ledyard's Private Banking division, with over 40 years of banking experience in the Southern New Hampshire and Boston markets. She spent over 25 years with TD Bank in the retail sector including branch management, mortgage and consumer lending and the past 18 years have been with TD Wealth Management as a Senior Relationship Manager. In her role, she was responsible for working with high net worth individuals and families on their banking, lending, financial planning and investment needs.

She holds her Series 7 & 66 license and has received numerous Top Performer awards. Additionally, she has been regularly recognized by her community, including for work with the Red Cross, receiving the Hero Award for her help in response to the Boston Marathon bombing. Kathy has also been involved with community service as a board member for the Derry / Londonderry United Way, Co-Chair for the Haverhill Chamber of Commerce annual Business Expo, Plaistow Area Commerce exchange board member and participated on various committees for all.

Jeff Marks began his career in Financial Services with American Express Co. in 1997, where he focused on customer acquisition and loyalty marketing. He was responsible for launching several of their premier internet-based programs that received praise in multiple publications, including The Wall Street Journal. Prior to American Express, Jeff worked in Retail as a Buyer for Saks Fifth Avenue.

Jeff’s areas of expertise include digital marketing, direct mail marketing, internet campaign promotion, sponsorship & event marketing, and client experience program development.

Jeff is a graduate of Cornell University where he earned a BA in Economics. He received his MBA from the J.L. Kellogg Graduate School of Management at Northwestern University, with an emphasis on marketing and management & strategy.

Michael Parisi is a member of the Senior Management Team as Executive Vice President and Chief Banking Officer. As such, he oversees the Financial Center Banking, Cash Management, and Data Analytics Teams and also serves as a member of the bank's Executive Committee. He previously held the positions of Chief Strategy Officer and Director of Sales and Product Development at Ledyard. Michael comes to Ledyard from Citizens Bank, where he was employed for 10 years. At Citizens Bank, he first held the position as a Branch Manager then promoted to Regional Manager, and Market Administration Manager. Michael has a BS in Accounting from University of Massachusetts and an MBA from Fitchburg State University.

Doug Phillips joined Ledyard Financial Advisors in 2017 after spending 30 years in the investment management industry serving affluent individuals and families, foundations and endowments.

As Chief Investment Officer, he is responsible for leading the investment team and managing Ledyard's investment process, research activities and the development of portfolio strategy. He also enjoys working directly with clients to help them meet their financial objectives.

Prior to joining Ledyard, Doug was the Chief Investment Officer of Foster Dykema Cabot, a registered investment management firm in Boston. He was also a Portfolio Manager at Choate Investment Advisors, a subsidiary of Choate Hall & Stewart in Boston. While at Choate, he worked closely with many of the firm's clients and was a member of the Investment Policy Committee, which was responsible for formulating investment strategy and selecting investments.

He earned a BA in Economics from St. Lawrence University in 1986 and holds the Chartered Financial Analyst designation. He is also a member of the CFA Institute and the Boston Security Analysts Society.