Since joining Partners for Self Employment (PSE) in September 2001, Maria Coto has held a variety of key positions, beginning as the program’s loan underwriter, before advancing to program director and ultimately executive director.
During the course of her career she has also been closely involved in the organization’s finance office, as well as in program design and training. She played a particularly active role in designing PSE’s Individual Development Account program, and in developing client training related to the program.

When Ms. Coto joined PSE she was seeking to apply her training in psychology in an environment that offered more opportunities to provide hands-on help than the local and state-administered programs she had worked in during her training. Although she originally intended to familiarize herself with not-for-profit work in general before moving on to broaden her career in other agencies, she soon found herself engrossed by the opportunities PSE offered to help small-business owners overcome dependency and instead become financially self-sufficient.

During her years with PSE the organization has seen steady growth, and today operates satellite offices in Homestead and North Miami, along with in addition to its Miami headquarters. Along with its micro-lending services, PSE also offers training, financial counseling, savings programs for future homeowners, and peer support programs for small businesses.

Courtnee M. Biscardi, serves as Sr. Vice President of Strategy & Operations for the Urban League of Broward County in Fort Lauderdale, Florida. As Vice President, she oversees all program operations and is responsible for nearly $7 million of direct program revenue from the Urban League’s $11 million budget. While much of her time is spent leading the Programs and Human Resources Departments, a significant part of her role is creating new community partnerships and increasing awareness and knowledge about the Urban League’s programmatic impact of the 19 primary programs and services implemented in Broward County which focus on Education, Jobs, Housing and Health.

Mrs. Biscardi, holding a Masters of Public Administration, has dedicated her entire 18 year professional career to the non-profit human service field. For most of her career, she focused on fair housing, housing affordability and asset building strategies that move low income families out of poverty to prosperity. Over the last 9.5 years, she has served at the Urban League is various positions within the agency and has been a significant part of growing the Urban League’s programmatic profile in the area of Housing and Health.

Mrs. Biscardi has also served in other leadership roles including technical assistance consultant for the National Urban League’s Financial Empowerment Center pilot project, Chair of the Children’s Services Council Strategic Plan Prosperity Committee, Board President of Broward Alliance for Neighborhood Development (BAND) and as a panelist on several local, regional and national community forums around housing, health and prosperity issues.

Mrs. Biscardi’s passion for people and dedication to the human service field is in direct alignment with the Urban League‘s mission to assist community members secure economic self-reliance, parity, power, and civil rights. Ms. Biscardi recognizes her role in bringing critical issues to the forefront of the community while increasing the Urban League’s capacity to meet the needs.

Arden Shank brings 30 years of diverse nonprofit housing and community development experience to his role as board chair of CRASF. Mr. Shank, as President/CEO of Neighborhood Housing Services of South Florida, has a deep knowledge of specialized community-based housing issues including corporation start-ups, restructuring, fundraising and capital project implementation. Mr. Shank has capitalized on his skills and expertise to expand NHSSF from a small agency of three staff members to a sophisticated operation with a professional team, an engaged 12-member board, and an expanded territory that includes Miami-Dade and Broward Counties. NHSSF has five lines of business including homebuyer preparation, mortgage lending, housing development, real estate brokerage, and neighborhood revitalization.

As a chartered member of the NeighborWorks network, NHSSF is certified to meet a high standard of fiscal integrity and service performance to assist local residents in developing leadership, improving their neighborhoods, and securing decent, affordable housing. Through his association with NeighborWorks, Mr. Shank graduated from Achieving Excellence, an intensive performance-driven organizational investment program for seasoned senior executives in community development jointly sponsored by NeighborWorks America and the Kennedy School of Government at Harvard University.

He worked with a diverse base of partners to form a consortium of community based organizations that could pool their talents and expertise to help stabilize neighborhoods reeling from the foreclosure crisis. This resulted in NHSSF and six other partners forming a consortium that was awarded $89,375,000 by HUD through the Neighborhood Stabilization Program Round 2. The Consortium, with NHSSF as the lead agency, completed its grant expenditures on time and producing 1500 housing units.

Mr. Shank’s commitment to making communities stronger has resulted in his involvement with numerous organizations including a board member of National Community Reinvestment Coalition, the founder and board chair of Community Reinvestment Alliance of South Florida, a member of the Federal Reserve Board of Governors’ Community Advisory Council, and a board of the South Florida Community Development Coalition.

While currently the Chief Operating Officer of the Children’s Services Council of Broward (CSC), Monti Larsen was originally the second employee hired behind the CEO, serving as Chief Financial Officer. Created by the voters in September 2000 and reauthorized in November 2014, CSC is an independent taxing district that provides leadership, advocacy, and funding for services for, and on behalf of, children and families.

Monti helped lead efforts to establish CSC from the ground-up, building the necessary policies and procedures, as well as various financial and program data systems. Sixteen years later, CSC operates with a $85 million budget, funds about 100 different agencies that provide evidence-based prevention programs for a wide array of services for Broward’s children and their families. CSC employs over 70 employees to manage these 200+ contracts.

Prior to her service at CSC, Monti was Director of Accounting for the Palm Beach County Schools. Before that, Monti held various progressive positions spanning eight years with the Broward County School District.

Ms. Larsen graduated Cum Laude with Bachelor of Science in Accounting from the University of Science and Arts of Oklahoma. She holds a Masters of Business Administration from Nova University and is a Certified Public Accountant passing the exam the first time in 1991.

Keon E. Williams is a native of Miami, Florida, born in the heart of one of Florida’s oldest Black communities named Overtown. Mr. Williams is a 2008 graduate of Bethune- Cookman University. Mr. Williams currently serves as the Assistant Director for Urban Philanthropies, a non-profit dedicated to transforming distressed urban communities in South Florida through economic and community development activities.

Mr. Williams latest initiatives including navigating Urban Philanthropies through the successful startup of a Community Development Financial Institution (CDFI), to provide financial and technical assistance to small and emerging nonprofits in South Florida’s urban communities; The Overtown Business Boot Camp, providing residents with startup capital and education to assist with the creating a new business; and Urban Philanthropies A+/ Cyber Security Certification program, aimed at reducing poverty by equipping At-Risk Teens and Residents with a criminal history with a nationally recognized technical certification to gain employment in the IT field in less than 4 months.

Mr. Williams has over 10 years of relevant experience in nonprofit management, issues-based advocacy, grassroots organizing & campaign management and civic engagement. From organizing in Central Florida to elect the First Black President of the United States of America, to leading a statewide effort Ohio to advocate and increase awareness on gun control and gun violence. When Mr. Williams is not working, he serves as the President of the Overtown Optimist Club Inc., a non-profit located in Overtown, tasked with overseeing the participation of 600+ youth and 50+ volunteer members in transforming the next generation through educational and sport activities. Mr. Williams has been a member of Alpha Phi Alpha Fraternity Inc., since 2007. Mr. Williams credits the motto “Enter to Learn, Depart to Serve,” as the bedrock of his dedication and commitment to advocating for disenfranchised communities.

Camilo Mejía’s background as a peace and immigrant rights activist is what originally led him to Catalyst Miami, where his current work revolves around building collective capacity networks with social justice organizations, creating access and inclusion for people with disabilities and addressing economic injustice through policy and advocacy efforts. Camilo lives in Coconut Grove, Florida with his daughter.

Mandy Bartle is a visionary with the proven ability to shift community outcomes. Early in her career, she published more than 30 reports identifying strategies for distressed areas, resulting in over $60MM in revenue for and over $1B of investment within South Florida’s underserved communities. In 2005, she organized South Florida’s first regional housing conference, first countywide housing needs assessment, and first coalition of businesses, community groups and government to address affordable housing. The efforts resulted in the formation of South Florida Community Land Trust, in which she has served as the founding Executive Director since 2010. Under her leadership, the organization has developed in more cities than any other land trust in Florida and currently has 475 units in the pipeline. Mandy holds a bachelor’s from Carnegie Mellon University in Architecture and Urban Studies, where she also completed graduate coursework in Public Policy and Management.

Patricia Tracey has 40 years of experience in mortgage lending, new construction and real estate. Originally from North Carolina, she has lived and worked in Florida since the early 70’s. She held banking and savings and loan vice president positions for leading institutions on Florida’s east coast. During her banking career, she oversaw lending and new home construction for the largest Florida-Miami based savings and loan.

Pat received the South Florida Mortgage Banking Oscar in recognition of her lending expertise. Her knowledge of lending and FHA programs made her aware that individuals of all backgrounds could own their own home and be financially successful with direction and education.

In 2006, Pat and her husband, John “Jack”, funded and founded REACH in Palm Beach Gardens, Florida. They believed that the gifts and knowledge they had received should be available to the greater community. With nonprofit status, REACH could apply for grants for their clients. During this 10-year period, REACH has aided over 1500 families with grants and housing. They assisted more than 2000 individuals with home retention though State and local programs. And, most recently, REACH has purchased, rehabilitated and provided more than 200 homes to low and moderate-income families. In 2015, REACH opened a second office in the Miami Kendall area to increase assistance to the tri-county area.

Pat is a graduate of Barry University. She received her real estate license in 1980 and established a mortgage company in 2002. She has placed in the Circle of Honor for the previous two years in real estate sales volume. Pat is a member of The National Low-Income Housing Coalition, Board of Realtors in both Dade and Broward Counties and the Florida Association of Mortgage Professionals. Pat holds certifications from Neighborworks covering housing counseling, post purchase counseling, loan modifications, financial coaching and nonprofit leadership. She has lead REACH in the direction of success and growth using her knowledge and skills of lending and sales to make a difference in the South Florida Community she serves.

Torrio Osborne provides strategic research advisory services in areas of small business development, real estate and economic development finance.

For more than twenty-five years he has bridged the common needs of private and public sector small business ventures with an emphasis on strategic thinking, real estate lease negotiation relationship management, project development finance.

He is a steward of the TCC-Riley Museum Archives, at Tallahassee Community College which provides students, professors and the community access to museum, library and archival primary and secondary information sources for general and academic research projects; and, locally is the Vice-Chairman of The John G. Riley Museum Foundation Board as well as a proud Board member of the Tallahassee Symphony Orchestra (TSO).

Iurther champion community preservation and redevelopment, he has presented builtenvironment recommendations to the Urban Land Institute (ULI) Technical Assistance Advisory Panel Study (ULI/TAP) of the Orange Avenue Corridor focused on South City, Tallahassee Florida; and, an Alumnus of Leadership Tallahassee (LT23), Class XXXIII; Served on the Big Bend Homeless Coalition Board as Secretary as well as past volunteer for the United Way of the Big Bend’s CHSP Humans Services Grant program.

He studied Human Development and Social Policy at Northwestern University, Evanston, Illinois with a focus on Organizational Design and Change management.

Torrio currently resides in Tallahassee, Florida with his wife, two sons and is fascinated with global trade policy, the engaging impact of the arts and civic responsibility.

Kathleen is a strategic Certified Public Accountant (CPA) with a Master of Science in Accounting from Nova Southeastern University. She has a successful track record in financial management and audit administration. As the Director of Finance at the Children’s Services Council of Broward County, she oversees the day-to-day operations of the finance department, including general accounting, financial reporting, grant management, and compliance, managing an annual operating budget of over $140 million. Kathleen has prior experience as a Senior Accountant at the Town of Pembroke Park, Florida, and in public accounting at the firm Keefe McCullough & Company LLP CPA’s, Fort Lauderdale, Florida.

In addition to her professional accomplishments, Kathleen is an active member of the Florida Government Finance Officers Association and the South Florida Chapter of the Florida Government Finance Officers Association. Her involvement in these associations includes serving as President of the local chapter, on various committees, and representing the organizations at important events.

Beyond her professional pursuits, Kathleen is deeply committed to community service, having served in various nonprofit organizations and volunteer roles. Her dedication to both her professional and community endeavors exemplifies her passion for making a positive impact in all aspects of her life.

Sandra Tobon oversees the planning, monitoring, and evaluation of all Housing Counseling Services and Community Outreach activities at Consolidated Credit. As a HUD-certified housing counselor and certified  educator in personal finance, she brings a wealth of expertise to her role. Sandra earned her bachelor's degree in Business Administration from Florida International University, laying a solid foundation for her multifaceted career.

With over 18 years of experience, Sandra has honed her skills in managing, researching, and developing socioeconomic programs from conception to fruition. At Consolidated Credit, she leads a dedicated team of housing counselors and financial coaches in providing invaluable services to bolster community economic well-being. Through education, personalized financial coaching, and innovative wealth-building projects, Sandra and her team empower individuals to achieve financial stability and thrive in their communities.