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Washington, D.C. (Jan. 6, 2025) — ICBA Payments®, the payments-services subsidiary of the Independent Community Bankers of America® (ICBA), today announced that Rebecca Kruse has been appointed president. Kruse will retain her role as chief operating officer, and in her expanded capacity, drive the company’s business operations and execute strategic initiatives in collaboration with ICBA Payments CEO Jacob Eisen and the ICBA Payments board.
As executive vice president and general counsel, Juan Costantini will oversee legal operations for ICBA Payments and its credit card bank, TCM Bank, N.A., crafting corporate governance policies to ensure compliance, manage risk, provide legal representation, and support the companies’ business objectives.
"We're fortunate to have Becca and Juan—two well-respected and experienced financial services veterans as part of ICBA Payments,” said Eisen. “Since joining ICBA Payments, Becca has taken on increased responsibilities commiserate with her operational experience and banking background, while Juan offers extensive legal expertise and knowledge of finance-related matters that makes him a valuable addition to the team. Their insight and counsel will help support our mission, identify areas for growth and innovation, and propel community banks forward, while positioning ICBA Payments as an industry leader."
A former community banker with more than 20 years of experience in the payment industry, Kruse has served in a variety of operations roles with expertise in payments, data security, and operations. Prior to joining ICBA Payments as executive vice president of operations in 2019, Kruse served as vice president of card systems and fraud prevention manager for Sandy Spring Bank in Maryland.
"I'm proud to lead ICBA Payments during this next phase of investment and transformation, while continuing to honor the spirit of service that guides the work of ICBA Payments' talented and dedicated team on behalf of the nation's community banks and their customers."
Kruse holds a Bachelor of Science in computer and information science from the University of Maryland Global Campus and a Master of Business Administration in Information Systems from Hood College.
Costantini brings a wealth of experience to ICBA, having built a distinguished career spanning private practice, public service, and corporate leadership. He most recently served as chief legal officer for MVB Bank, a subsidiary of MVB Financial Corp., where he advised the company on key legal and regulatory matters.
“I am honored to join ICBA Payments and TCM Bank, organizations with a strong legacy of supporting community banks while fostering an environment of compliance and legal excellence,” Costantini said.
Costantini earned his J.D. and LL.M. from the National University of Rosario in Argentina. He also holds master’s degrees in civil notary law and education.
Launched in 1985 to support community banks’ credit card programs, ICBA Payments continues to build on its foundation to help bankers understand, navigate and capitalize on the evolving payments landscape—developing new products and services and providing education on the latest payments developments to help community banks innovate, compete and thrive.
For more information about ICBA Payments and its services, visit icba.org/payments.
About ICBA Payments
ICBA Payments, a wholly owned subsidiary of the Independent Community Bankers of America® (ICBA), has been managing payments solutions for the nation's community banks since 1985. We help power the potential of ICBA members through payments-related innovation, education, and advocacy to help community banks navigate the payments ecosystem and select suitable offerings at favorable pricing—helping community banks compete and thrive.
About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.
As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.