Leadership Team


R. Eugene Taylor
Chairman and Chief Executive Officer, Capital Bank Financial Corp.

Gene Taylor, Capital Bank Financial Corp. (Formerly NAFH, Inc.) Chairman and Chief Executive Officer, retired as Vice Chairman of Bank of America following a 38-year career during which he served as President of Bank of America's Consumer and Commercial Bank and the Global Corporate and Investment Bank. He is a native Floridian and a graduate of Florida State University.



Chris Marshall
Chief Financial Officer, Capital Bank Financial Corp.

Chris Marshall, Capital Bank Financial Corp. (Formerly NAFH, Inc.) Chief Financial Officer, previously served as CFO and COO of Bank of America's Global Consumer and Small Business Bank and as Chief Financial Officer of Fifth Third Bank. Mr. Marshall is a graduate of the University of Florida and Pepperdine University School of Business.



Ken Posner
Chief of Strategic Planning and Investor Relations, Capital Bank Financial Corp.

Ken Posner, Capital Bank Financial Corp. (Formerly NAFH, Inc.) Chief of Strategic Planning and Investor Relations, spent 15 years at Morgan Stanley, most recently serving as a Managing Director and Equity Research Analyst for a wide range of financial services firms. Mr. Posner is a graduate of Yale College and earned an MBA from the University of Chicago.



Bruce Singletary
Chief Credit Officer, Capital Bank Financial Corp.

Bruce Singletary, Capital Bank Financial Corp. (Formerly NAFH, Inc.) Chief Credit Officer, spent 31 years at Bank of America in various credit risk roles, including serving as Chief Risk Officer for Bank of America's Florida Bank. Mr. Singletary graduated from Clemson University and earned an MBA from Georgia State University.



Zahid Afzal
Chief Technology & Operations Executive

Zahid Afzal is responsible for Capital Bank’s shared services for technology, operations, digital banking, payments, customer service, facilities management, vendor management, information security, project management office, and merger and acquisition integration.

Before joining Capital Bank in 2013, Afzal was senior executive vice president and chief information officer for Huntington National Bank, where he led information technology, business operations, electronic channels, mergers and acquisitions integration and change management.

Earlier, he served as senior vice president and chief information officer of consumer banking at Bank of America. Prior to that, he held various leadership positions with Citicorp, Broadslate Networks, and MCI Communications.

Afzal earned a bachelor’s degree in computer science and management from Strayer University, and a bachelor’s degree in mathematics from Karachi University. He completed executive leadership programs from Duke University and Ohio State University.



David Briggs
Tennessee Market President & Tennessee Commercial Banking Executive

Dave Briggs joined Capital Bank as Market President and Commercial Banking Executive for Middle Tennessee in 2016.  Dave has been an integral part of growing Middle Tennessee for the last 15 years and has extensive lending and leadership experience in serving commercial, government, business banking and private wealth clients.  Dave previously served at Bank of America, where his 27-year career included growing commercial, private wealth, government, business banking, and consumer relationships in Tennessee and North Carolina. Dave graduated from Western Carolina University with a degree in Business Administration.

In addition, Dave is involved in numerous current and prior community activities which include serving on various boards including Fellowship of Christian Athletes, YMCA of Brentwood, United Way of Metro Nashville, Junior Achievement and Nashville Chamber of Commerce. He is also currently a member of the Red Kite Bicycles race team.



Edward Holden
Florida Market President & Florida Commercial Banking Executive

Edward Holden is Market President for South Florida, responsible for leading market strategy and new business development and for growing new commercial and consumer banking relationships.

Throughout his more than 30-year banking career, Holden has worked in a variety of lending and management capacities, including middle market, commercial, retail, real estate and international lending. He has also had responsibilities for implementing growth strategies within established markets and expanding banking operations into new geographic markets.

Prior to joining Capital Bank in 2014, Holden served as Wells Fargo’s senior vice president and group regional vice president for Dade, Broward and Palm Beach counties in Florida.  Previously, he served in various leadership positions at Mercantil Commercebank, Union Planters Bank and Republic National Bank of Miami.

Holden earned a bachelor’s degree and an MBA from the University of Florida.



Maria Justo
Enterprise Risk Executive

Maria Justo has served as Enterprise Risk Executive of Capital Bank since 2013 with direct oversight of BSA/AML, Consumer Compliance, Loan Review and Enterprise Risk. From 2010 to 2012, Ms. Justo was Capital Bank’s Administrative Executive responsible for BSA/AML, Consumer Compliance, Facilities, and Human Resources.

From 2003 to 2009, she was Regional Chief Credit Officer –Latin America of Barclays Capital, New York.  From 1999 to 2002, Ms. Justo was Executive Vice President responsible for credit administration and loan operations for Hamilton Bank, N.A., Miami, Florida.  From 1996 to 1999 Ms. Justo was President and Chief Executive Officer of Eagle National Bank, N.A., Miami, Florida. From 1991 to 1996 Ms. Justo was Vice President and Team Leader for the Southern Cone of Barclays Bank PLC, Miami Agency.



Ken Kavanagh
Consumer Banking Executive

Ken Kavanagh oversees consumer banking, responsible for the 143-branch network of the bank’s entire footprint. He oversees Capital Bank’s customer service, card products and ATM and branch distribution.

During his nearly 30-year banking career, he has held a variety of senior positions in consumer banking. Prior to joining Capital Bank, he was executive vice president of Citibank where he oversaw 352 branches in eight states. Earlier, Kavanagh was with Bank of America, where he served as consumer market executive in various regions in Florida and Texas.

Kavanagh is a graduate of Florida State University.



Vincent Lichtenberger
General Counsel

Vince Lichtenberger has served as our Executive Vice President, General Counsel & Secretary since January 2013. Mr. Lichtenberger is responsible for the legal affairs of the company, including corporate governance, securities, acquisitions, litigation and banking laws.

Before Capital Bank, he served as Senior Vice President, General Counsel & Secretary at Swisher Hygiene Inc.  Prior to that, Mr. Lichtenberger served in senior legal positions with Goodrich Corporation, BorgWarner, Inc. and the Securities and Exchange Commission, and was in private practice in New York, Florida and Illinois.

Mr. Lichtenberger earned a Bachelor of Arts degree in Economics from Columbia University and a Juris Doctor from Boston College Law School.


Rick Manley  

Rick Manley
Carolinas Market President & Carolinas Commercial Banking Executive

Rick Manley is responsible for Commercial Banking at Capital Bank, and is president of the region that includes North and South Carolina and Eastern Tennessee, where he leads a team of treasury management, specialty banking and capital banking experts. He is also responsible for indirect lending across the entire five-state footprint of Capital Bank.

Manley also oversees Capital Bank’s two subsidiary companies, Superior Financial Services, Inc. and Capital Auto Finance Co.

Before joining Capital Bank in 2010, he served in several leadership roles at First National Bank of the South, including chief lending officer, regional executive officer and regional president. Earlier, he held senior positions with First Charter Bank, RBC and Barnett Bank.