Sandy Wiggins, Chairman

Known for his commitment to the future of the human family, Sandy has been a national leader in the Green Building revolution. Sandy is founder and principal of Consilience, LLC, a national real estate consultancy with a mission to build environmentally, socially and economically sustainable communities. He is the Immediate Past Chair of the Washington, D.C. based U.S. Green Building Council, and he continues to serve as a Director and a member of USGBC's Executive Committee. Sandy was Founding Chair of the Philadelphia based Delaware Valley Green Building Council. He also currently serves on the Advisory Board of the Rutgers University Center for Green Building and as a juror for the Delaware Valley Smart Growth Alliance. During a three-decade career in the building industry, he has had responsibility for projects totaling over one billion dollars. His vision and leadership have been responsible for the development of dozens of LEED commercial projects and the nation's first LEED Gold certified homes, which were also net zero energy consumers. His skillful facilitation has also helped birth sustainable master plans for municipalities and institutional campuses as well as sustainable regional public policy initiatives. Sandy also serves on the Philadelphia Mayor’s Sustainability Advisory Board and the Delaware Valley Smart Growth Alliance.

Frank J. Baldassarre, Jr. President/CEO

The driving force behind the e3bank promise, Frank now applies his impressive career as a financial lending professional to support his devotion to the future of our planet. He brings e3bank highly-honed analytical, sales and leadership skills grounded in the myriad disciplines that define the banking industry, including extensive experience in real estate, commercial and consumer lending, new business development, asset recovery/workout, credit review and branch management. Prior to founding e3 Bank, he served as Senior Vice President of Fox Chase Bank of Exton, PA and First Vice President/Commercial Real Estate Loan Officer of First Financial Bank, Downingtown, PA. Frank received his B.S. In Management with a concentration in Finance at Widener University. He holds certifications from Risk Management Association and the American Institute of Banking and is a graduate of the Stonier School of Banking. Frank is a Director of the Philadelphia Sustainable Business Network, the Delaware Valley Green Building Council and the Risk Management Association. He also serves on the Advisory Board of the Pennsylvania Green Growth Partnership.

Rose M. DiMarco

Rose has over twenty years of banking experience primarily in finance and accounting. Inspired by the mission of e3 Bank and looking for a career challenge that went beyond traditional banking Rose decided to leave First Keystone Bank after 23 years of service, most recently as Senior Vice President and Chief Financial Officer. Her duties there included financial reporting, accounting, asset and liability management, treasury functions and various corporate matters as well as managing a $140 million investment portfolio. Ms. DiMarco received her MBA from Villanova University and a B.S. in Management with a concentration in Finance and Accounting from Widener University.

Bill DeFalco

In addition to his twenty plus years of lending experience Bill brings to e3 Bank a desire to change the way the banking industry practices sustainability; not just in its own operations but in how it assists customers in helping them achieve their goals. Having started in consumer lending he turned to the commercial side after completing formal credit training in 1988. His ability to effectively craft creative solutions for customers while maintaining credit portfolio quality propelled him to management positions in both credit and lending, most recently as a commercial lending team leader at two other Delaware Valley banks. Bill is using his depth of knowledge and commitment to sustainable business practices to develop and deliver products that will provide e3 Bank customers banking for a better tomorrow. He holds a BS in Business Management from the University of Scranton. In addition, Bill serves on the Funding Committee of the Sustainable Business Network of Philadelphia, the Sponsorship and Development Committee of the Delaware Valley Green Building Council and is a member of the Environmental Bankers Association and the Green Economy Task Force.

Board of Directors

Jim Lutz, Director

Jim is Senior Vice President of Development, with responsibility for all development for Liberty Property Trust (NYSE:LRY), a $6 billion REIT which owns over 73 million square feet of office and industrial space in 21 markets throughout the United States and the United Kingdom. He was responsible for the startup of Liberty's operations in the U.K. where he lived for 5 years with his family while developing Kings Hill, a 1,000 acre sustainable mixed use community. Jim's leadership and deep commitment to sustainable development has established Liberty as the nation's largest developer of High Performance Green Buildings, with over 40 LEED projects representing almost $1.5 billion in investments and including Philadelphia's Comcast Center - the nation's tallest LEED building, One Crescent Drive - the nation's first LEED Platinum speculative office building, and Bull Ridge Distribution Center - the nation's first LEED speculative warehouse. Jim was a Founding Director of the Delaware Valley Green Building Council, a 501c3 that helped launch the U.S. Green Building Council chapter movement. He continues to serve on the DVGBC Board and is also a Director of Walnut Street Theater and member of NAIOP and the Urban Land Institute.

David Berry, Director

David is an internationally recognized speaker, facilitator, and consultant on sustainability with a practice throughout the Americas, Europe, and Asia.   He is Co-founder of the Sustainable Water Resources Roundtable, which brings together federal and state agencies, corporations, and NGOs working with water resources.  He began his career as an economist, was a principal of a building management system campany, and founded an international trade company doing business in Korea and Ecuador.  He joined the US Department of the Interior in 1991 and spent seven years in the White House Council on Environmental Quality, where he co-founded and chaired two Interagency Groups: Sustainable Development Indicators and Industrial Ecology.   He was U.S. delegate to the OECD Forum on Sustainable Development in Rome and led a U.S. team for the CSD 9 meetings at the United Nations.   He also represented the U.S. on the Scientific Committee on Problems of the Environment and was a member of the National Research Council Committee on Material Flow Accounting.  A musician and singer, David has performed often on Korean and American television and radio, including many appearances on National Public Radio’s “Prairie Home Companion”.   

Jackie O’Neil, Director

Jackie is a well known Delaware Valley sustainability leader, advocate, and winner of a 2007 Philadelphia Sustainability Award.  She has 30 years of high level management, systems strategy, usability design, web, and software design experience for companies such as The Vanguard Group, where she designed and managed the operational work flows and online customer experiences.   She is a partner in Intuitive Design, where she consults on product innovation and user experience for companies such as Merck, GSK, Rohm and Haas, Unisys, Deloitte, Fannie Mae, and Colorado National Bank.  Jackie built and lives in the first LEED Gold certified home in the U.S., which is also a net zero consumer.  She developed this home with a vision to make it an educational model for mainstream, sustainable homebuilding throughout the region, and she was successful at doing that at conventional market costs. Thousands of building industry professionals, educators, homeowners, and school children in the U.S., and from as far away as Japan and Nigeria, have made the pilgrimage to visit her home and hear her story so that they can share her vision of what is possible.

Joyce M. Ferris, Director

Joyce is a Founder and Managing Partner of Blue Hill Partners LLC, a private investment firm focused exclusively in the Green Technology sector.  She has over 20 years of experience in the management, development, and financing of energy, industrial technology, and renewable energy projects as an investor, technology and equipment provider, financial advisor, and project developer.  Her experience includes energy efficiency and on-site generation projects, biomass, waste to energy, waste coal, geothermal, and hydroelectric projects.  She was Sr. Founding Executive of Reading Energy Co., where she managed transactions totaling over $500 M and was a major shareholder and Director of Business Development for Energy Products of Idaho.  Joyce also serves on the board of Princeton Energy Systems and Aircuity Inc.  She is a frequent speaker on finance and energy technology in the US and Europe.  Joyce currently serves on the PA Climate Change Working Group and the PA Department of Environmental Protection Energy Advisory Board. She is a member of the Advisory Board of the Green Building Products Economic Development Initiative in Pennsylvania and the Cleantech Venture Network, and is on the Board of Philadelphia Outward Bound.  She holds a B.A. from Reed College and an M.S. from the University of Pennsylvania in Energy Management and Policy.

Judy Wicks, Director

Judy is Owner and Founder of Philadelphia’s 25-year-old White Dog Cafe, and a national leader in the local, living economies movement.  She is co-founder of the nationwide Business Alliance for Local Living Economies (BALLE), the Founder of the Sustainable Business Network of Greater Philadelphia, and President of White Dog Community Enterprises, a non-profit 501c3 dedicated to building a local food system and living economy in the Philadelphia region.  She has been a tireless crusader for small business, fair trade, and social equity and has inspired millions through her appearances on Nightline, MacNeil/Lehrer Newshour, and CNN and through features in Oprah Magazine, New York Times, Wall Street Journal, Newsweek, U.S. News & World Report, Fortune Small Business, Washington Post, Whole Earth Magazine, Utne Reader, Yes Magazine, and Fast Company.   She has received countless awards for both her business success and her social action, including the International Association of Culinary Professionals Humanitarian Award, James Beard Foundation’s Humanitarian of the Year, and Philadelphia Sustainability Life Time Achievement Award.  She was named one of Inc. Magazine’s 25 favorite entrepreneurs  and one of Oprah Magazine’s 5 Amazingly Gifted and Giving Food Professionals. Judy was also co-founder of the Free People’s Store, now well known as Urban Outfitters.

Gavin Kerr, Director

Gavin is a seasoned executive and values-based leader with a reputation for strategic insight and building high performance teams.  In his rich career he has served as President and CEO of Mercy Health System, Executive Vice President and COO of Children’s Hospital of Philadelphia, Chairman of Keystone Mercy Health Plan, Chairman and CEO of AssetTRADE.com, Vice President of Planning and Organizational Effectiveness for University of Pennsylvania Health System, Director of Human Resources for PepsiCo, and Director of Marketing and Product Development for MONY Financial Services.  His commitment to volunteer service and social equity is equally inspiring beginning with his work in Kenya with the Peace Corps in 1979.  Gavin currently serves as Co-founder of ConKerr Cancer, the Chairman of Pennsylvania Adaptive Sports Center, the Vice Chair of Alex’s Lemonade Stands Foundation, a Director of the Bone Tumor Foundation, and on the Finance Committee of the PA Pediatric Palliative and Hospice Care Task Force.   He is a Fellow of the College of Physicians of Philadelphia and holds a Master of Divinity-Counseling from Princeton University and AB in Economics from Colgate University.