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Our Leadership

Our leadership


At Everett Bank, we rely on our decades of experience both inside and outside the banking industry to help provide our customers with the products and services to fit their needs. Relationship banking has been our culture for over 125 years.

Our Management Team and Board of Directors work together to provide the highest quality service for our customers and our communities today, tomorrow and well into the future.

Richard J. O'Neil Jr.

President & Chief Executive Officer


  • Over 34 years as a practicing attorney
  • Practice focuses on real estate conveyancing, the representation of lenders and developers in permitting and zoning, civil litigation, and probate proceedings

What “Right by you” means to me:

In all aspects of our lives, personal and professional, we are taught to do right by others, do the right thing, and follow the right path. Our institutional philosophy has always been to treat our employees and our community fairly and honestly. Why? Because it’s the right thing to do. When customers stand at a cross road and seek our advice, we are right there with them.

John Citrano

Chief Operating Officer, Chief Financial Officer & Executive Vice President


  • 30 plus years of banking experience
  • 20 plus years as a Senior Executive in the financial industry
  • Areas of expertise include strategic planning and organizational leadership, corporate and investment finance, treasury management, budgeting and cost management and corporate governance.

What “Right by you” means to me:

Here at Everett Bank, we'll utilize all of our resources, experience and wisdom to help you make the decision that's right for you.

John Migliozzi

EVP, Chief Lending Officer


  • 35+ years in Banking
  • 15 years as a Senior Executive in Commercial and Residential Lending

What "Right by you" means to me:

Being available 24/7 365 days of the year to service our customers!

Carmela Vitale

Senior Vice President & Treasurer


  • Long time employee of 38 Years at Everett Bank
  • Head of the Human Resources Department
  • Specializes in financial reporting

What “Right by you” means to me:

To satisfy our customers needs to the best of our ability, to ensure the customer can always rely on our service.

Emily M. Cieri

Senior Vice President & Senior Credit Officer


  • Over 34 years in banking with expertise in credit administration, compliance activities and the commercial and industrial lending arena

What “Right by you” means to me:

“Right by you” means we work with the customer and provide them sound direction, honest advice, and make sure they have the right product to serve their needs.

Cary Lynch

Senior Vice President, Head of Retail Banking


  • 35+ years of leading regions of retail branches throughout Northeast New England and Southern NH.

What "Right by you" means to me:

“Right by You” means putting our customers at the center of everything we do and delivering an exceptional experience with every interaction. That means In the branch, on the phone, from your computer or mobile device. You are our #1 priority.

Karen L. Chasse

Senior Vice President, Compliance Officer & BSA Officer


  • Over 26 years of banking experience in the private and government sectors
  • Numerous certifications including Certified Regulatory Compliance Manager, Certified Bank Auditor, and Anti-Money Laundering Professional

What “Right by you” means to me:

It means we’ll work tirelessly to meet our customers’ unique needs. At Everett Bank, each customer is treated individually and our banking services and products are tailored to his or her need.

Sean Cummings

Senior Vice President, Commercial Lending


  • More than 25 years of banking experience, with a current focus on commercial lending
  • Dedicated to developing strong relationships with his customers and has worked with real estate developers and investors across Massachusetts

What “Right by you” means to me:

Always going the extra mile to provide the best solutions, products, and services to every customer, every time.

Lisa Scopa

Vice President, Commercial Lending


  • Over 25 years of experience in banking
  • Experience includes Association and Commercial Real Estate Lending

What “Right by You” means to me:

“Right by You” means being responsive to our customers and focusing on their needs so they’re able to achieve their financial goals.

Jennifer A. Quinlan

Vice President & Portfolio Manager


  • Over 23 years in banking
  • Experience includes consumer, residential, and commercial lending

What “Right by you” means to me:

“Right by you” is about providing our customers with the utmost customer service experience. From opening an account to financing a home, we provide them with all the information and tools they need to reach their goals.

Eric M. Jackson

Vice President- Residential Lending (NMLS #898519)


  • Previously worked for 4 years as a financial analyst/accountant.

What “Right by you” means to me:

Here at Everett Bank we believe business is a two-way street. We value our relationships and want you to know we’ll do right by you in any way we can. From lending to deposits, we personalize each experience to ensure you get the attention you deserve.

Maureen Lyons

Vice President, Mortgage Operations


  • More than 35 years of residential mortgage lending experience
  • Skillful in creating strong teams that are focused on top notch customer service and operational excellence

What "Right by you" means to me:

The only choice is to do right by you. We show this in our actions.

Maria Sgambati

Assistant Vice President


  • Electronic Banking Specialist; well versed in back-office duties and responsibilities
  • Started as a teller in 1996 and has experience in multiple departments

What "Right by you" means to me: Here, customers are treated more like family than consumers and we know that what's best for them is best for us.

Rosanna Natola

Assistant Vice President, Commercial Loan Assistant


  • More than 33 years of banking experience.
  • Experienced in commercial lending, retail banking, and branch management.

What "Right by you" means to me:

Providing quality customer service in a friendly and efficient manner, in order to help meet our customers’ financial goals and objectives.

Bill Ryan

Assistant Vice President, Information Technology


  • More than 12 years of experience with Everett Bank, with a focus on facilities management and information technology
  • Proud United States Navy veteran, trained in shipboard telecommunications

What “Right by You” means to me:

I strive to provide the best service that I can in order to support bank relationships, whether it be with customers or fellow employees.

Brandon Lavertu

SVP, Chief Accounting Officer


  • 17 years of experience in banking and big four public accounting.
  • Areas of expertise include strategic planning, accounting, SEC reporting, internal controls and process improvement, treasury, budgeting.

What "Right by you" means to me:

To me, “Right by you” means that we are steadfastly committed to providing solutions to support your financial needs when, where and how you want them.

Have any questions about our products and services?

Click below to contact us or call us at 617-387-1110.

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