Melissa Marsal

Melissa Marsal is senior executive vice president, strategic alignment and execution for the Independent Community Bankers of America® (ICBA). She provides executive leadership in advancing ICBA’s innovation strategy, and leads ICBA’s digital assets solutions efforts, coordinates its external partners group, and oversees enterprise project management and strategic planning execution.

She brings more than 20 years of executive leadership experience in financial services, community banking, and operational transformation. Her work has encompassed large-scale technology and core system conversions, fintech partnership development, and operational and digital transformation initiatives to drive organizational effectiveness and growth.

Prior to joining ICBA she served as senior vice president and head of commercial banking operations at Capital Bank, N.A., where she oversaw loan and deposit operations, digital banking, product development, and customer service functions. Marsal also spent 15 years with Integrated Financial Holdings and West Town Bank & Trust, and was one of the bank’s founders, serving in a variety of executive leadership capacities before assuming the role as president and CEO.

She holds a Bachelor of Arts in history from East Carolina University, graduating magna cum laude, and has served in numerous industry leadership roles, including board and advisory positions focused on banking, payments, risk management, and community development.