SECURITY REMINDER: We would like to remind everyone to keep their private banking information safe. Frontwave will never email, call, or text our members and ask for personal information such as online banking credentials, your card number, CVV or social security number. Learn more >

SECURITY REMINDER: We would like to remind everyone to keep their private banking information safe. Frontwave will never email, call, or text our members and ask for personal information such as online banking credentials, your card number, CVV or social security number. Learn more >

Board of Directors

Our members make great leaders.

Our Board isn't made up of a group of faceless executives in glass offices. Instead, they're all Frontwave members, just like you. They volunteer, you elect them, and they don't get paid a penny. Their mission is to set the overall direction of the credit union and make sure it operates in the best interest of its members. So what have these folks been up to lately? Take a look at our 2018 annual report.

Want to join this amazing group of volunteers? We're looking for a few good folks to join our crew.

In accordance with the Frontwave Credit Union (Frontwave) bylaws, a Nominating Committe for the 2019 annual election of Board of Directors (Board) and Supervisory Committee (Committee) has been appointed. The Annual meeting and election of officers for the Board and Committee of Frontwave Credit Union will be held on March 25, 2020 at 5:00 p.m. at the Corporate Office located at 1278 Rocky Point Drive, Oceanside, CA 92056.

Open Positions:
  • Board of Directors: THREE positions with 3-yr. terms
  • Supervisory Committee: TWO positions, ONE position with 2-yr. term and ONE position with 1-yr. term.
If you are a member in good standing and are interested in applying for nomination, you are invited to submit an application by downloading and filling out our application and mailing it to the Corporate Office to the attention of the Nominating Committee. Nominations must be filed with the Chairman of the Board by close of business on September 30, 2019. All nominations must be accompanied by a certificate or letter from the nominee agreeing to serve if elected.

Board of Directors

Chairman Richard Rothwell

Mr. Rothwell joined the credit union’s Board of Directors in February 1991. In January 2010, his fellow Board members elected him Chairman.

In 1961, Mr. Rothwell graduated from the U.S. Naval Academy with a bachelor’s degree in Engineering. He later earned a Master of Science in Management from the U.S. Naval Postgraduate School. He is a distinguished graduate of the U.S. Naval War College.

During Mr. Rothwell’s 29 years of active duty, he held a variety of command and staff positions, including Commanding Officer of the 5th Marine Regiment. His service decorations include the Legion of Merit, three Bronze Stars, two Purple Hearts, and the Navy Commendation Medal. He retired from the Marine Corps in 1990 with the grade of colonel.

Following his military career, Mr. Rothwell served for 15 years in the legal departments of San Diego Gas & Electric Co. and Sempra Energy. He is also the President of the Camp Pendleton Historical Society, a former Commissioner of the City of Escondido Housing Advisory Committee, and a former member of the Escondido Friends of the Pioneer Room Board of Directors.

He and his wife, Ann, live in Escondido where they have enjoyed volunteering in several civic activities. They have two children, five grandchildren, and two great grandchildren.

Vice Chairman Michael Brigagliano

Mr. Brigagliano has served the credit union since October 2014, when he was appointed to the Board of Directors as an Associate Director. He became a full Board member in early 2015 and was elected to the vice president’s post in March 2018.

Mr. Brigagliano has spent more than two decades in the consumer finance, mortgage lending and loan servicing industries. His experience includes direct management of a $4 billion-plus loan servicing portfolio. In his current role as Senior Vice President of Veterans Choice Home Loans, he assists veterans across the country in obtaining affordable home loans.

His education includes study of Business Management in New York. Mr. Brigagliano has been trained in the Six Sigma business management method, studied at GE Mortgage University, and completed the Dale Carnegie advanced course “Skills for Team Success.” He is currently licensed by the Nationwide Mortgage Licensing System.

Mr. Brigagliano believes in giving back to the community. He has made charitable contributions to the Rady Children’s Hospital in San Diego, the Navy-Marine Corps Relief Society, Doctors Without Borders and the Wounded Warrior Project.

Secretary James Cothran

Mr. Cothran is a longtime member of the credit union, having joined initially in 1961. He joined the Board of Directors in 1995 and has served as Board Secretary since December 2006. He’s also been a long-standing member of the Board’s Loan Review Committee and its Supervisory Committee.

Mr. Cothran retired from the U.S. Marine Corps in 1982 after 24 years of active duty. As a Marine, he was in the photographic and audiovisual field and initially served as a Combat Photographer. Upon retirement, he became Officer in Charge of the Training and Audiovisual Support Center at Camp Pendleton.

Mr. Cothran holds a bachelor’s degree in Motion Picture Photography from the University of Southern California. In 1982, he received a master’s degree from Webster University in Management and Business. That same year, he acquired a real estate license from the State of California.

Mr. Cothran worked in real estate for 24 years before retiring. In 1990, he served as President of the Carlsbad Association of Realtors. In 1997, he was Chairman of the Membership Committee for the California Association of Realtors.

Treasurer Gary Greving

Mr. Greving has been a member of the credit union’s Board of Directors since 2009. He has served as the Board’s Treasurer since 2011.

A U.S. Marine Corps veteran, Mr. Greving graduated from California State University San Marcos with a bachelor’s degree in Business Administration with an emphasis in Finance. He went on to earn a master’s degree in Accountancy from San Diego State University. Additionally, Mr. Greving has earned a Project Management Professional (PMP) designation from the Project Management Institute and has completed the Credit Union National Association’s Volunteer Achievement Program.

Mr. Greving currently works in the Program Management Office of a global firm that provides information technology services and solutions to government clients. He has more than 24 years’ experience managing people and projects around the world.

Mr. Greving is an active member of the San Marcos community where he resides with his wife and two children. He serves as volunteer treasurer and a member of the Board of Directors for the Mission Park Homeowners Association. He also volunteers at Father Joe’s Villages, helping the less fortunate in his community.

Director George Hoagland

George Hoagland was appointed to Board of Directors of what’s now Frontwave Credit Union in 1969. He served as Board Chairman in l972 and as Vice Chairman for more than 20 years.

Mr. Hoagland joined the Marine Corps 1948 and served in the enlisted ranks until April 1953, attaining the rank of Gunnery Sergeant E-6. In April 1953, he was commissioned second lieutenant in the Marine Corps Reserve and rose to the rank of lieutenant colonel. His assignments were primarily in Marine Artillery, culminating in a stint as commanding officer of the First Field Artillery Group at the Marine Corps Air Ground Combat Center (MCAGCC ) in Twentynine Palms. He retired in July 1972.

Mr. Hoagland has long been involved in public service. He served for several years as the officer in charge of the annual Toys for Tots drive for the city of Philadelphia. From 1968 to 1970, while serving at the MCAGCC, he had the additional duty as Chairman of the Youth Activities Program. From 1969 to 1971, he served as Chapter Dad of the Twentynine Palms Chapter of the DeMolay youth group.

After his retirement from the Marine Corps, Mr. Hoagland obtained a California real estate license and worked in a local real estate office. In l974, he become Assistant Housing Manager at MCAGCC; the next year, he became Housing Manager. From l974 to l985 George served as Chairman of MCAGCC Equal Employment Committee. He retired from his MCAGCC post in 1985.

Director Kelley Mayer

Kelley Mayer was appointed to Board of Directors of Frontwave Credit Union in 2019 and is a longtime member of the credit union.

Ms. Mayer has lived in San Diego County since 1985 and has a Finance Degree from California State University, Long Beach. She is a Certified Public Accountant and has been in public accounting for more than 30 years. Additionally, she has a Juris Doctor degree from Thomas Jefferson School of Law and is a published writer. Her life work has been counseling and educating others to achieve their financial goals and preserve their family wealth.

Ms. Mayer believes in giving back to the community and is looking forward to serving on the board and acting as a liaison for members of Frontwave. She plans to enable members to have a voice in the future growth and development of products and services, while concurrently ensuring a strong financial future for our Credit Union.

Director Gerald Polyascko

Mr. Polyascko was first appointed to the credit union’s Board of Directors on Jan. 1, 2010. For six months before that, he had served as a member of the credit union’s Supervisory Committee.

Mr. Polyascko attended the Naval War College in Newport, Rhode Island, and earned a master’s degree in Human Resource Management. He spent 33 years in the U.S. Marine Corps, retiring as a colonel in 1992. He then served for three years as Vice President at Dynagraphics, the printing division of Dynamed Corp. in Carlsbad, California. From January 1995 to January 2009, he was the senior instructor of the Marine Corps Junior ROTC program at Eisenhower High School in the Rialto Unified School District.

Mr. Polyascko also has been involved with community service efforts. He’s a member of the American Legion and the Marine Corps League, Veterans of Foreign Wars, and Vice President of Camp Pendleton Historical Society.

Director Marlon Ramos

Mr. Ramos brings a combination of business training and military experience to his position on the credit union’s Board of Directors.

He became a credit union member while attending Recruit Training at Marine Corps Recruit Depot San Diego in 1997. He began serving on the Board of Directors as an associate director in 2012 and was appointed as a full director in 2014.

Mr. Ramos earned a bachelor’s degree in Business Administration (with an emphasis in management) from San Diego State University. He went on to earn an MBA from the University of Southern California, and he holds certificates in Negotiation Mastery from Harvard University and Project Management from Syracuse University.

An Iraq War veteran, he completed deployments with the 13th Marine Expeditionary Unit, 11th Marine Expeditionary Unit, and 1st Light Armored Reconnaissance Battalion. He also served at the U.S. Army Intelligence Center as an Unmanned Aircraft Systems Instructor/Operator. He currently works for the U.S. Defense Department in the acquisition field.

Mr. Ramos has been awarded numerous honors for his military service. They include the Combat Action Ribbon, Presidential Unit Citation, Navy Meritorious Unit Commendation with Bronze Star, Global War on Terrorism Expeditionary Medal, Global War on Terrorism Service Medal, Humanitarian Service Medal, Navy Sea Service Ribbon with two Bronze Stars, and the Armed Forces Reserve Medal.


Director Brian Sutton

Brian Sutton joined the credit union’s Board of Directors as an Associate Director in 2015. He was appointed as a full Board Director in November 2017. As a seasoned technology professional, his international experience implementing complex, secure technology solutions make his contributions to the credit union and its member uniquely valuable.

Mr. Sutton graduated from Baylor University with a bachelor’s degree in Management Information Systems. He also earned a Master of Business Administration from the University of Southern California. He holds a number of internationally recognized technical, operational, and project management certifications and is a Certified Board Member through the National Association of Federal Credit Unions.

Mr. Sutton currently serves as an Operations and Program consultant for a global provider of healthcare information technology software and services. He has extensive experience developing strategy, planning, and delivering scalable solutions to fast-growing organizations in both the public and private sectors. His consulting experience includes more than 10 years of driving strategy and implementing secure systems for the Department of Defense and Department of Veterans Affairs medical centers worldwide.


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