Board

Luther is Co-founder and Managing Partner at Access Capital Technologies (ACT), an Austin-based company specializing in software and qualification tools for the Microfinance and Nonprofit industries. He previously held the position of Head of Digital Lending and Account Origination strategy at Fiserv, after the company acquired iLendx, a company he co-founded. Luther's extensive experience includes senior executive roles at USAA, where he oversaw lending, risk management, and product development. He also held board and leadership roles with LiftFund (formerly ACCION Texas) and Coolerado Corporation. He has deployed over $20 billion in capital, managed portfolios of over $100 billion, and raised more than $1 billion. Luther is a veteran who supports veteran causes and has a BA in Political Science and Business from New Mexico State University.

Larry began as a loan officer with the SBA, eventually becoming the Regional Financial Director and Deputy Director for the Dallas/Ft Worth District Office. He then held executive positions at Banco Popular and Prosper Bank, before retiring as EVP of Texas Bank in 2017. Now he consults with Texas Bank through L Miller and Associates.

As Chief Financial Officer of Opportunity Finance Network, Beth Lipson brings 25 years of experience and deep knowledge of the CDFI industry. Since joining OFN in 1997, Lipson has served in a broad range of roles, leading the organization’s capital, finances and budgets, compliance, grants, and risk management. Lipson has spearheaded several key initiatives during her time at OFN. In 2012, she developed a new executive role to lead the development and execute strategic cross-functional industry initiatives, including the NEXT Awards and Create Jobs for USA. Lipson spent nine years on the financial services team and currently serves on OFN's investment committee.  Previously, Lipson worked in business valuation at Coopers and Lybrand (now PwC) and spent two years at the Federal Reserve Board researching trends in savings and loans. Her passion for community and mission-driven business brought her to the CDFI world.

Like the industry she works in, Lipson has a strong connection to place. Born and raised in Philadelphia, Lipson received her education there as well. She has an MBA from the Wharton School with concentrations in policy and finance and a BA from University of Pennsylvania.

Melinda Costa is a seasoned leader in affordable housing and community development finance, with over 25 years of experience across lending, underwriting, and impact investing. At Wells Fargo, she manages a national portfolio of CDFI clients, delivering capital to support small businesses and underserved communities. Her prior roles include senior positions at Fannie Mae, PNC Real Estate, and Volunteers of America, with deep expertise in LIHTC, NMTC, and multifamily finance. Melinda has served on several nonprofit boards and holds an MBA in Finance from the University of North Carolina.

Mike Moskovitz is Executive Vice President at Frost Bank, where he specializes in commercial lending for the healthcare sector. With over 30 years of banking experience, Mike has built a reputation as a trusted advisor to physicians, medical groups, and healthcare entrepreneurs across Texas. His expertise spans practice acquisition financing, real estate lending, and customized credit solutions tailored to the unique needs of healthcare businesses. Prior to Frost, he held leadership roles at Bank SNB and Comerica Bank, consistently focusing on relationship-driven, sector-specific lending. Mike holds a BSBA in Business Administration and Management from Bloomsburg University of Pennsylvania and is based in Austin.

Bryan Rubio is the Director of Development at The Holdsworth Center, dedicated to supporting and empowering diverse educational leaders. In this capacity, Bryan spearheads fundraising initiatives critical to the center's success.

Previously, Bryan served as the Chief Development Officer at Waterloo Greenway Conservancy, where he successfully led a $265 million capital campaign for the planning, design, and construction of a 35-acre downtown Austin park. Before this, Bryan founded Rubio & Co. Fundraising Consultants, offering comprehensive support to local nonprofits, from strategic planning and coaching to direct fundraising and grant writing.

Bryan has raised more than $220 million throughout his career. As a Certified Fundraising Executive (CFRE), he brings a wealth of knowledge and expertise to the table. He holds a Masters in Business Administration from St. Edward’s University and a Bachelor of Science in Advertising from the University of Texas at Austin.

Neha is dedicated to driving impact capital to empower underserved communities. She leads Charles Schwab Bank’s Community Development Lending program, aiding Community Development Financial Institution funding needs in the Western States. Neha previously worked at Century Housing and JP Morgan Chase, financing affordable housing projects in California. Neha has a Bachelor’s in Economics from the University of California, Los Angeles and a Master’s in Urban Planning from New York University. She resides in Los Angeles with her family.

Mike Stitt is a seasoned entrepreneur and operator focused on building mission-aligned businesses that blend technology, community, and economic impact. As a Partner at Lateral Group and Co-founder of Lateral Ventures, Mike leads global teams to design and launch scalable tech solutions, collaborating with investors and executives across sectors. He previously served as CEO of Easy Tiger, where he quadrupled revenue, created over 300 jobs, and forged major public-private partnerships in Austin. Mike also co-founded Invisible Ink (now Removery), helping build the world’s largest tattoo removal brand. He holds an MBA from MIT Sloan and a BA from Iowa State University.

Gustavo is a seasoned microfinance practitioner passionate about advancing opportunities for underserved communities through access to capital. Prior to joining PeopleFund he held leadership positions with leading community leaders, being instrumental in their growth at a national level. Highlights of his career include: the development of LiftFund’s MMS, an early “lending as a service” platform tailored to microlending in the US; the financial engineering of a $30MM asset purchase agreement between LiftFund and Citibank - a first in US microlending; the expansion of Oportun from 35 to 85 stores where he was responsible for the production of 20,000 loans per month; redefining the CFO role for Opportunity Fund and structuring credit facilities that helped the organization become the largest nonprofit microlender in the US. Most recently he co-founded and managed Listo, an organization providing financial products and services to thousands in California. Gustavo has served on numerous boards including OFN, AEO, Foundation for Women, School of Excellence, among many others. He holds a Master’s Degree in Business Administration from the University of Texas at Austin.