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Leadership At Verity

We exist for, and are owned by, our members

Our leadership structure reflects our ownership structure in that we are led by a board of directors comprised entirely of Verity members. This group provides strategic guidance to our executive team. Learn more about our leadership team below.

Board of Directors 

The board of directors is composed of nine Verity members. They volunteer their time to meet regularly, discuss strategy and make decisions for the good of the credit union. Board members are elected each year at the Annual Meeting. For 2021, three board members are up for election to serve 3-year terms.

Zach Gose

Zach Gose, Chair

Zach has been a member of Verity Credit Union since 2013. During that time, he has served as a board associate, a board member and, since September 2016, Board Chair. He earned a Bachelor of Arts in Media Study from the University at Buffalo, a Juris Doctorate from the University of La Verne and a Master in Business Administration from Seattle University. He is a Regional Manager at Thomson Reuters and oversees legal research education, marketing and sales for the Western United States.

Evan Gay

Evan Gay, Secretary

Evan has been a board volunteer since 2017 as an associate and director. Evan has a master’s degree in organizational leadership from Gonzaga University, a master’s certificate in Business Analytics from Villanova University, and a bachelor’s degree in sociology and business HR from Pacific Lutheran University. He currently works for Boeing as a Business Operations Manager in production engineering. Evan also coaches youth sports and volunteers with SmileTrain Team EMPOWER.

Chris D'Abreau

Chris D'Abreau

Chris D’Abreau is a Contract Specialist for King County Department of Public Health and is currently on a special assignment as a Project Manager. He has a BA from Western Washington University and a JD from Seattle University School of Law. Chris has been a Verity member since 2018. During that time he has served as a board associate, a board director, and since April 2020, chair of the Verity Finance Committee.

Eric Esteban

Eric Esteban

Eric Esteban has been a Verity member since 2017. He served as a board associate for one year and on the Supervisory Committee for two years. Eric has an MBA from Seattle University; and he has a BS in Industrial Engineering from Cal Poly San Luis Obispo. Eric is a product owner for a software delivery team in the IT Department at Costco Travel. Eric volunteers through Food Lifeline, Seattle International Film Festival, and the Forgotten Children’s Fund.

Nick Etscheid

Nick Etscheid

Nick Etscheid has served as a Verity director since 2020, starting as a Board Associate in 2019. He chairs the Technology Committee and is a member of the Finance Committee. A Seattle native, he earned a bachelor’s degree in finance from the University of Washington and currently manages international real estate expansions at Amazon Web Services.

Michael Grenetz

Michael Grenetz

Michael Grenetz has been a board associate since 2017 and serves on the Experience and Governance committees. He has a BA in religious studies from Vassar College and currently works at Microsoft in Cybersecurity product marketing. Before moving into the technology sector, Michael spent most of his career working with nonprofits and conservation organizations, including Sierra Club and the Washington Toxics Coalition.

Michelle Pham

Michelle Pham

Michelle Pham has served as a Verity board member since 2020 and previously served as a board associate. She chairs the Experience Committee and serves on the Finance, Nominations, and DEI committees. Michelle earned a BA in psychology and art history from the University of Washington and a JD from Seattle University School of Law. She is a partner at Seattle-based firm Helsell Fetterman LLP, and practices intellectual property law and commercial litigation. In her spare time, she coaches UW Law’s national mock trial team, serves as Chair of the Washington State Bar Association's Litigation Section, and enjoys cooking and traveling.

Nancy Woodland

Nancy Woodland

Nancy Woodland has been a Verity member since 2018 and joined the Board in 2019. She has served on the Verity Experience Committee and currently chairs the Nominations Committee and the adhoc Diversity, Equity and Inclusion Committee. After serving 13 years as the Executive Director of local nonprofit, WestSide Baby, Nancy launched a consulting firm in 2020. Ampersand Community works with nonprofits and others for transformation and excellence grounded in anti-racism. Nancy received her BA from Michigan State University and JD from Loyola University Chicago School of Law. She also serves as a board member for the National Diaper Bank Network and the King County Children and Youth Advisory Board.

Board Associates

We also have a board associates program, which is a great introduction for future board members. Associates are able to participate on committees and sit in on board meetings without voting power. Contact Nancy Woodland, Nominations Committee Chair, to learn more.


Tom Holz
Chad Klemme
Pelin Muharremoglu

Supervisory Committee 

The supervisory committee is an independent governing entity that shares responsibility with the board of directors. It monitors Verity leadership to ensure the credit union is safeguarding financial assets and reporting financials as required. Supervisory Committee members are elected at the Annual Meeting. For 2021, one supervisory committee member is up for election to serve a three-year term.

You can contact the supervisory committee by email at or by mail: 

Supervisory Committee 
P.O. Box 75974 
Seattle, WA 98175 

Rudy Hurtado photo

Rodolfo Hurtado, Chair

Rodolfo (Rudy) has been a member of Verity Credit Union since 1978 and has served on the board of directors since 1996. In the past, he has chaired the Governance Committee and served on the Operations Committee, the Finance Committee, and others. His educational background includes a bachelor’s degree in Spanish and a minor in business from San Jose State University. He is retired from the U.S. Equal Employment Opportunity Commission in Seattle where he served as the outreach, training and education program manager.

Zhu Zhu Xiao photo

Zhu Zhu Xiao, Vice Chair

Zhu Zhu Xiao has been a Verity member since 2018. She currently serves as a member on the Supervisory Committee. Zhu Zhu is a Senior GIS Specialist for the Washington Surveying & Rating Bureau. She received her BS in Biology from the University of Washington.

John Carpenter photo

John Carpenter

John has been a member of Verity Credit Union since 1971. He has a Bachelor of Science in engineering science from the University of Notre Dame and attended graduate school in geodetic science at The Ohio State University. He served in the U.S. Navy, worked in land surveying, and had a career in nautical charting and geodetic surveying with the NOAA Commissioned Corps. He was elected to Verity’s board of directors from 1994-2012. In 2012, he was appointed to the Supervisory Committee and continues to serve in that capacity.

Vikash Chhagan photo

Vikash Chhagan

Vikash Chhagan has been a member of Verity Credit Union since 1997 and has been a board associate since 2019. He currently serves on the Supervisory and DEI committees. Vikash has served as a litigator, supervisor, and executive in the federal government since 1994.

Karen Hunt photo

Karen Hunt

Karen Hunt has been a Verity member since 1974. She is a graduate of University of Washington with a BS in institutional administration. While Karen is technically retired from Holland America, she works full time each summer at the cruise ship terminal at Pier 91 in Seattle. Karen volunteers making quilts for Mary’s Place and Compass Center.

Executive Team

Our executive team leads the daily operations of the credit union and follows strategic guidance passed down from the board of directors. Members of the executive team can be contacted directly using the link beneath each bio.

John Zmolek

John Zmolek, CEO

Having the opportunity every day to get closer to fulfilling our mission statement is what excites John Zmolek about his role as CEO of Verity Credit Union. John is passionate about helping members empower their financial lives and ensuring that Verity is at the heart of the communities we serve. He began his journey with Verity as a board member in 1986 before joining staff as CFO in 1990. He stepped up to the CEO position on January 1, 2014. In this role, he manages the operations of the credit union while working closely with the board of directors to set the course of the credit union. 

John received his BS in economics from Iowa State University and his MS from University of California-Davis. He has a hobby of serving on nonprofit boards. Whether kayaking, bicycling or hiking, he likes to be outdoors. When indoors, he loves cooking and entertaining. 

Justin Martin

Justin Martin, Executive Vice President

Justin started his long career at Verity as a summer intern. After leaving to pursue a degree in human resource management at Western Washington University, he returned to what he describes as "one of the strongest environments I have seen in terms of focus on their employees." 

During his time here, Verity has been recognized with multiple awards ranging from employee development initiatives to overall work environment. Justin holds an MBA from Seattle University along with being an honors graduate from Western CUNA Management School and a certified Credit Union Development Educator.  

Jason Hirl

Jason Hirl, Chief Technology Officer

Jason comes to Verity with over 22 years of experience in the credit union industry. After starting as a teller in his first credit union, Jason quickly moved up the ranks with roles in accounting and software support. In his most recent role, Jason led the technology operations as the Vice President of IT at a Minneapolis credit union for the last 15 years. He believes that his technology team has a huge responsibility providing tools that are secure, available, and efficient, and meet the needs of Verity's membership and staff. 

Jason received his BA degree from the University of Northern Iowa, majoring in finance and minoring in mathematics. He is also a 2005 graduate of the Credit Union National Association (CUNA) Management School in Madison, WI. In his spare time, he enjoys golfing, boating, hiking and camping with his wife and two boys. 

Heidi Cleveland

Heidi Cleveland, Chief Marketing Officer

Heidi started her career by spending 10 years in the credit union industry before moving on to work for several large community banks for 12 years. She couldn’t be more thrilled to have returned to the credit union industry and the “people helping people” philosophy. She has spent her 25-year career in marketing for financial institutions, initially in Indiana before moving to Washington in 2000.   

Throughout her career, Heidi has believed that a strong brand must be built from the inside out, focusing first on instilling the values and mission in the employees—in the ways they treat one another and members. When success is achieved in building a strong culture, this spills over and creates a brand that people will talk about, and growth happens organically. 

Heidi received her BA from Purdue University and serves on the Board of Directors for Transitional Resources. Away from work, she enjoys spending time with her husband and grandchildren. 

Tina Narron

Tina Narron, Chief Lending Officer

Tina joins Verity with a wealth of experience in the financial services industry. She started her career as a teller and has worked her way up through senior lending positions before ending up in executive leadership. In addition to managing all aspects of lending for billion-dollar loan portfolios, Tina has also helped lead organizational and cultural transformations at credit unions to improve member service. 

In her role as Chief Lending Officer, Tina believes that her team is essential to helping people achieve their dreams. As such, she is responsible for contributing to the development of loan products and services and equipping her lending team with the tools they need to be successful. 

In her spare time, Tina enjoys charity work, cooking and spending time with friends and family. She also enjoys traveling and visits a new destination every year. 

Brad Tanberg

Brad Tanberg, Chief Financial Officer

Brad joined Verity in 2018 and brought with him decades of experience in the financial industry. He “caught the bug for credit unions” as a teenager when working as a teller at Olympia Credit Union. He loves being part of the credit union movement because he believes in one of the key philosophies: people helping people. Before coming to Verity, Brad was the CFO at TruWest Credit Union in Phoenix, Arizona. 

Brad is a “lifelong learner.” He has a post-baccalaureate degree in accounting from Arizona State University, a bachelor’s degree in finance from Western Washington University and is a graduate of Western CUNA Management School. 

In his free time, Brad enjoys spending time with family and watching his daughter play volleyball. He also enjoys flying (he has his private pilot’s license), boating and golfing. 

Angela Lowe

Angela Lowe, Chief Human Resources Officer

Angela started her career at Verity in 2007, working with members in our Northgate branch. In 2011, she joined the Human Resources team and found her true passion and purpose. Angela understands that people and culture are at the heart of everything we do. She works tirelessly to hear and amplify the voices of our employees, build strong and vibrant teams, and foster an inclusive work culture. During her time in HR, Verity has consistently been recognized as a best place to work. 

Angela exemplifies lifelong learning. During her time at Verity, she earned her BA in philosophy from the University of Washington and is expected to complete her MA in Organizational Leadership from Gonzaga University next spring. She is also a graduate of Western CUNA Management School and a certified Credit Union Development Educator. 

In her free time, Angela enjoys volunteering with Teen Feed, reading and learning about the lived experiences of people, and traveling with her husband. 

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