Appointments Signal Next Phase of Customer Experience Modernization
HICKSVILLE, N.Y., March 16, 2026 /PRNewswire/ -- Flagstar Bank, N.A. $(FLG)$ (the "Bank") today announced the appointment of five senior technology leaders to accelerate the next phase of its Simple and Sophisticated ("S2") Bank platform transformation--the strategic initiative reshaping how more than one million customers interact with, experience, and benefit from Flagstar's products and services.
S2 Bank Platform Transformation
The S2 initiative is Flagstar's multi-year, comprehensive program to replace the complexity of three legacy banking environments with a unified, modern technology foundation built for the next decade of growth. S2 reimagines the Bank's technology architecture around the customer journey, ensuring every investment improves the speed, simplicity, and intelligence of the banking experience.
The architecture was designed around a single idea that every customer touchpoint should be seamless, intelligent, and personal. From a business banker accessing a real-time Customer 360 view across deposits, lending, wealth, and mortgage to a private banking client receiving proactive insights powered by artificial intelligence, S2 is the engine that makes those experiences possible.
"We're not just modernizing infrastructure; we're fundamentally rethinking how technology serves our customers and our bankers. Every system built, every integrated platform, and every strengthened control must pass a simple test: does this make the experience better for the people we serve," said Jason Pope, Executive Vice President, Chief Technology Officer, Flagstar Bank, N.A. "We've made strategic new hires to help bring this transformation to life because they've answered that question at scale, at institutions where the bar is set incredibly high."
New Technology Leadership Team
Reporting to Chief Technology Officer Jason Pope, these appointments expand Flagstar's technology leadership team with proven expertise from institutions including JPMorgan Chase, U.S. Bank, MUFG, and Mastercard International.
-- Christina Previti, Senior Vice President, Head of Technology Product:
Previti joins Flagstar following 13 years at JPMorgan Chase, where she
held leadership roles across strategy, technology product, operations,
and human resources in New York and Hong Kong. She brings extensive
experience leading operating model transformations and enterprise
modernization initiatives to strengthen governance, improve execution,
and enable sustained performance at scale. At Flagstar, Previti will lead
the Enterprise Technology and Operations Services organization's
transformation to a product operating model, driving the shift toward
outcome-focused technology delivery.
-- Eric Gunn, Senior Vice President, Distinguished Engineer, Information
Security: Gunn brings deep expertise in offensive security operations,
cyber range development, and the application of machine learning to
cybersecurity challenges. A named inventor on multiple U.S. patents, he
has a demonstrated track record of translating advanced research into
enterprise-grade security capabilities. Most recently, Gunn served as
Vice President and Director of Adversary Emulation and Range Operations
at U.S. Bank and previously held multiple roles at Mastercard
International. As Distinguished Engineer for Information Security, Gunn
drives technical strategy across Flagstar's security organization,
helping safeguard the bank's infrastructure, customer data, and digital
banking platforms.
-- James Kratzer, Senior Vice President, Distinguished Engineer, Site
Reliability Engineering: Kratzer brings over 15 years of experience
spanning regulated financial services, global content delivery networks,
and aerospace defense--a distinctive cross-industry perspective combining
the high-availability, zero-downtime requirements of global
infrastructure operations with the regulatory rigor of banking. He has
focused on establishing enterprise cloud practices at large financial
institutions, delivering secure, scalable solutions that drive
operational efficiency having most recently served as Senior Manager
Cloud Security at Silicon Valley Bank. At Flagstar, Kratzer leads the
Bank's pivot to Site Reliability Engineering ("SRE").
-- Robert Martin, Senior Vice President, Distinguished Engineer, Head of AI
and Engineering: Martin brings more than three decades of experience
designing, governing, and operating Identity and Access Management
solutions across highly regulated industries. Prior to joining Flagstar,
he served as Director of Technology Strategy and Incubation at MUFG where
he designed and deployed global identity synchronization solutions and
established AI risk governance frameworks. At Flagstar, Martin leads
incubation efforts across the Chief Technology Office, and is advancing
modern authentication capabilities, strengthening governance frameworks,
emphasizing least-privilege access and segregation of duties, and driving
platform consolidation initiatives. Additionally, he drives the identity
and access management uplift to strengthen the consolidated organization
and reduce risk, while also assuming leadership accountabilities across
cloud, SRE, and platform.
-- Justin Zimmerman, Senior Vice President, Distinguished Engineer, Cloud
Services: With over a decade of experience, Zimmerman has spent his
career designing and delivering enterprise-scale solutions at the
intersection of cloud engineering, security, and automation. Most
recently, he led governance and AI-driven compliance initiatives across
AWS and Azure as a Principal Engineer at U.S. Bank. Zimmerman brings deep
technical leadership to the Bank's cloud platform strategy,
infrastructure automation, and AI-enabled governance capabilities. At
Flagstar, he spearheads the advancement of Flagstar's cloud services
capabilities, leading the team responsible for enterprise-scale
availability and X-as-code automation across cloud service providers.
"Technology transformation at a bank this size is ultimately a customer experience transformation. The systems our customers never see--identity management, disaster recovery, data governance, cybersecurity--are the systems that determine whether their experience feels effortless or frustrating," said Chris Higgins, Executive Vice President, Chief Information and Operations Officer, Flagstar Bank, N.A. "With these leaders in place, we're accelerating our ability to deliver a unified, intelligent, and secure banking experience across every channel and every product line. That's what S2 is about, and that's what becoming a top-tier relationship bank requires."
Flagstar Bank, N.A.
Flagstar Bank, N.A. is one of the largest regional banks in the country and is headquartered in Hicksville, New York. At December 31, 2025, the Bank had $87.5 billion of assets, $61.0 billion of loans, deposits of $66.0 billion, and total stockholders' equity of $8.1 billion. Flagstar Bank, N.A. operates approximately 340 locations across ten states, with strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast.
Cautionary Statements Regarding Forward-Looking Statements
This release may include forward--looking statements by us and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding, among other things: (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to achieve profitability goals within projected timeframes and to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our recent holding company reorganization, which was completed in October 2025 (the "Reorganization"), our merger with Flagstar Bancorp, Inc., which was completed in December 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, which was completed in March 2023, and our ability to comply with the heightened regulatory standards with respect to governance and risk management programs to which we are subject as a national bank with assets of $50 billion or more; (h) the impact of the $1.05 billion capital raise we completed in March 2024; (i) our past material weaknesses in internal control over financial reporting; (j) the conversion or exchange of shares of our preferred stock; (k) the payment of dividends on shares of our capital stock, including adjustments to the amount of dividends payable on shares of our preferred stock; (l) the availability of equity and dilution of existing equity holders associated with future equity awards and stock issuances; (m) the effects of the reverse stock split we effected in July 2024; and (n) the impact of the 2024 sale of our mortgage servicing operations, third party mortgage loan origination business, and mortgage warehouse business.
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