Private Bank: Dallas

Jennifer Andersen is Executive Director, Private Banking Advisor for Texas Capital Private Bank. She is responsible for providing private banking and lending solutions to optimize financial performance and operational strategy. She offers advice and services which include private banking, commercial real estate lending, residential mortgage financing, one-time-close construction loans, ranch loans, securities-based lines of credit and other lending structures. Her expertise encompasses high-net-worth individuals and families as well as key executives and business owners.

Jennifer joined Texas Capital in May 2023, bringing to her role more than 21 years of experience serving clients. Previously, she served as regional lending director at Wells Fargo Advisors, where she was responsible for lending balance growth in the Dallas and Fort Worth markets. She has also held roles with Morgan Stanley and Merrill Lynch.

Ray Becerra is Vice President, Senior Trust Officer at Texas Capital. He manages a broad range of trust structures and account types, interpreting governing instruments, evaluating discretionary distributions and overseeing trust cashflow. He works closely with each client’s Texas Capital Advisory team to coordinate the overall trust relationship, ensuring that trust administration aligns with long-term planning objectives and evolving family needs. In addition to day-to-day trust administration, he conducts annual administrative reviews; maintains compliance with federal and state laws, rules and regulations; and upholds rigorous fiduciary risk management standards.

Ray joined Texas Capital in March 2026, bringing deep institutional knowledge developed through his prior service as a Trust Officer at Arden, Frost, Bank of America, Northern Trust and JPMorgan. His career reflects a strong commitment to fiduciary excellence, operational discipline and high-touch client service. He is highly experienced in supporting multigenerational families and navigating complex family dynamics, applying thoughtful fiduciary judgment to balance beneficiary interests, honor settlor intent and promote continuity across generations. His approach emphasizes proactive communication, disciplined administration and solutions-oriented decision-making, particularly in situations involving unique asset structures, discretionary decision-making or heightened sensitivities among beneficiaries.

Ray holds a Certified Trust and Fiduciary Advisor (CTFA) designation and is fluent in Spanish. He earned a Bachelor of Liberal Arts in Economics from Harvard University Extension School and is currently pursuing a Master of Legal Studies in Wealth Management at Texas A&M University School of Law.

Nancy Champion is Executive Director, Senior Investment Advisor with Texas Capital Private Bank.  She has more than 25 years of experience in investment management, with a focus on private wealth.  She works with families, entrepreneurs, corporate executives, and not-for-profit organizations designing investment portfolios to help clients reach their unique financial goals.  Nancy believes strongly in the benefits of translating complex financial concepts into “plain English” for her clients. 

Nancy joined Texas Capital from Northern Trust, where she was a Senior Portfolio Manager.  Prior to joining Northern Trust, Nancy was a Senior Portfolio Manager at Lee Financial.  Nancy spent 10 years as Research Director for a family office, focusing on domestic large cap equity research.  She began her career at Bank of America where she joined the trust department as Personal Trust Portfolio Manager after a stint in credit training and restructuring underperforming loans. 

A CFA charter holder, Nancy earned her BBA from Texas Christian University. 

Brandon Hassenfratz is Vice President, Investment Advisor at Texas Capital Private Bank. He is responsible for developing investment strategies across all asset classes and working with wealthy families to build personalized portfolios that meet their life goals/needs.

Brandon joined Texas Capital in 2021. Previously, he served as an Associate Investment Advisor where he was responsible for implementation of customized portfolios for High Net-Worth & Ultra High Net-Worth clients as well as the active everyday management of all client investment needs. Brandon started his career at Texas Capital in the Investment Strategy Group where he operated as an Assistant Trader on the Discretionary Trading team and worked directly with the Chief Investment Officer to construct in-depth investment research as well as produce weekly market updates for C-Suite Executives at the firm and beyond.

Brandon earned a Bachelor of Science in Finance & Economics from the University of Alabama and a Masters of Finance from the University of North Texas.

Neal Hiett is a Vice President, Insurance and 401(k) at Texas Capital Bank. He works with individuals, families, and business owners as a trusted advisor, providing strategic guidance in matters related to insurance, retirement planning, and wealth preservation.

Prior to joining Texas Capital Bank, Neal was co-founder of a financial planning and employee benefits firm, where he spent more than 30 years advising over 60 corporate clients ranging from 50 to 6,000 employees throughout the Southwest, as well as in Chicago and New York. His expertise includes employee benefits consulting, 401(k) and 403(b) plans. Additionally, Neal has consulted with high net-worth business owners in the areas of estate tax planning, qualified and non-qualified deferred compensation arrangements, business succession planning, key person insurance strategies, and executive benefit programs designed to support recruitment and retention.

Over the past two years, Neal leads Texas Capital’s 401(k) advisory offering. His team conducts plan efficiency studies and market benchmarking analyses, evaluating investment lineups, third-party administrator (TPA) and recordkeeper relationships, and advisor fee structures. Through these efforts, the team has helped businesses reduce plan expenses while enhancing participant engagement, communication, and overall plan effectiveness.

Neal welcomes the opportunity to discuss how these capabilities can support clients' objectives and identify opportunities for collaboration.

Mitchell Hubbard is Vice President, Private Client Advisor at Texas Capital Private Bank. He works with individuals, families, and business owners as a trusted advisor, coordinating teams of specialists to deliver integrated wealth management solutions aligned with his clients’ financial goals.

Mitchell joined Texas Capital in August 2021. He previously served as an Associate Private Client Advisor, where he supported investment, loan, and deposit relationships for a diverse client base. He began his career with the firm as an Analyst, contributing to investment research, financial planning, portfolio construction, and credit underwriting.

Mitchell earned a Bachelor of Business Administration in Finance from the University of Oklahoma.

Tiffany Hunt Knight is Vice President, Senior Trust Officer at Texas Capital. She is responsible for delivering comprehensive personal trust services and administration for various types of trust accounts. She coordinates the overall trust relationship for a client with the Texas Capital Private Bank advisory team.

Tiffany joined Texas Capital in March 2025, bringing to her role 27 years of experience in estate and business succession planning, estate and trust administration and fiduciary matters. Prior to joining Texas Capital, she served for two decades as In-House Counsel for Bickers Consulting Group, LLC, a boutique consulting firm based in Atlanta, Georgia, where she provided industry specific consulting services on estate and business succession planning and mergers and acquisitions to multi-generational, family-owned alcohol beverage distribution companies across the country. Prior to her tenure with Bickers Consulting, she served as Trust Officer for US Bank in San Francisco and as Associate Attorney for the Law Office of Charles M. Hunt & Company in Dallas where she focused her private practice on estate planning, trust, probate and guardianship law.

Tiffany earned a Bachelor of Arts at the University of Texas at Austin and a Juris Doctor at South Texas College of Law Houston. She is a licensed attorney and a member of the State Bar of Texas and the State Bar of Georgia. She is a member of the Dallas Bar Association and the Real Estate, Probate & Trust Law Section of the State Bar of Texas.

Bryan Kucholtz is Managing Director, Head of Private Bank at Texas Capital. His responsibilities include leadership of all aspects of Texas Capital Private Bank.

Bryan joined Texas Capital in June 2022, bringing to his role more than 35 years of banking and wealth management experience. Previously, he served as Executive Vice President, Regional Sales Manager - North Texas for PNC Investment Co., where he was responsible for supervision of PNC’s Brokerage and Wealth divisions in the North Texas region. Prior to that, Bryan held successive wealth management positions at BBVA, Comerica and JP Morgan Chase.

Bryan earned a Bachelor of Arts in economics from the University of Dallas and a Master of Business Administration in finance from the University of Texas at Dallas. He is a Certified Wealth Strategist and Accredited Investment Fiduciary.

Mauro Marquez is Executive Director, Senior Investment Advisor at Texas Capital Private Bank. He focuses on structuring investment strategies for high-net-worth and institutional clients.

Mauro joined Texas Capital in September 2022 and has more than 14 years of financial services experience. Previously, he served as Vice President, Wealth Advisor Associate at Neuberger Berman where he worked closely with high-net-worth clients to create customized investment strategies to meet their financial goals and objectives.

Mauro earned a Bachelor of Business Administration in finance at the University of Texas at Arlington and a Master of Business Administration from the Cox School of Business at Southern Methodist University. He was also awarded the Certified Private Wealth Advisor®️ (CPWA®️) and Certified Investment Management Analyst®️ (CIMA®️) designations by the Investments & Wealth Institute.

Ryan McGrew is Vice President and Fiduciary Officer for Texas Capital Bank Private Wealth Advisors. In his role, he is responsible for managing fiduciary and custody relationships.

Ryan began his career at Fidelity Investments where he held several positions including Customer Service Supervisor, Mutual Fund Trading Specialist, and Equity Trader. In 2000, he joined J. P. Morgan Private Wealth Management as an Account Opening Asset Transfer Specialist. He later moved to their Account Closing Unit where he served as a Trust Account Closing Administrator. Ryan then joined J. P. Morgan’s Nonprofit and Charitable Account Administration Group, a national Center of Excellence charged with the development and delivery of specialized services to nonprofit and charitable clients. As a Nonprofit Administrator, Ryan was the central point of contact for nonprofit and charitable clients and all account servicing activities. Ryan holds a Bachelor of Science from Southern Methodist University in Dallas.

Steve is the Chief Investment Officer at Texas Capital Private Bank. He is responsible for the strategy, construction and performance of client portfolios and trusts.

With over 30 years of portfolio management experience, Steve joined Texas Capital from Communities Foundation of Texas where he managed investments and helped to raise the Foundation’s performance to among the highest in their peer groups of universities and foundations.

Steve earned a Bachelor of Arts in economics and a minor in math at the University of Texas at Austin, a Master’s in Business at Texas State and a Juris Doctorate at St. Mary’s School of Law. He is an attorney, CFA® and CMT® charter holder.

Jud Riley is Assistant Vice President, Senior Portfolio Research Associate at Texas Capital Private Bank. He is responsible for assisting the team with investment research and strategy.

Jud joined Texas Capital in 2022. Previously, he served at Coquest, Inc., in Dallas, where he was responsible for product research and due diligence on liquid alternative investment strategies.

Jud earned a Bachelor of Science in Economics with a Finance Application from Southern Methodist University. He holds a Chartered Alternative Investment Analyst (CAIA) designation.

Mark Rodgers is Executive Director, Sr. Private Banking Advisor for Texas Capital Private Bank. He is responsible for providing comprehensive planning, custom credit and deposit solutions to high-net-worth individuals and affluent families. Mark offers advice and services, including concierge private banking, commercial real estate lending, residential mortgage financing, one-time-close construction loans, securities-based lines of credit and specialized credit for lawyers and law firms.

Mark joined Texas Capital in April 2024. Previously, he served as Senior Vice President of Wealth Management at Truist where he was focused on the comprehensive financial needs of attorneys and their law firms. Prior to that, he served as Senior Vice President of Truist Commercial Banking, where he provided resources for capital formation, payments solutions, employee benefits and risk management for Commercial & Industrial companies and professional services firms across the Dallas-Fort Worth area. He has also held roles with Wells Fargo Bank and BB&T. Early in his career, he served in the Texas Capital Business Banking Group.

Mark earned a Bachelor of Science in finance from Penn State University. He serves as committee cochair for the 2024 Women’s Advocacy Awards for Legal Aid of NorthWest Texas (LANWTX). Mark is also a volunteer with Dallas Life.

Hailee Rutledge is Vice President, Investment Advisor at Texas Capital Private Bank. She serves high-net-worth clients, helping to create investment strategies that fit their long-term goals. Hailee’s role also includes building and maintaining the investment model portfolios, trading discretionary client accounts, and conducting due diligence for manager selection. She assists the Chief Investment Officer with ongoing portfolio management and research.

Hailee started full-time at Texas Capital as a credit underwriter after previously interning for the Private Bank. As a credit underwriter, she went through a rigorous 10-month training program, in which she conducted in-depth debt analysis on companies within various industries, including general commercial and industrial, commercial real estate, energy, and mortgage servicing.

Hailee graduated from Southern Methodist University’s Cox School of Business with a Bachelor of Business Administration in Finance.

David Sirna is Executive Director, Senior Private Client Advisor at Texas Capital Private Bank. David utilizes his 24 years of experience advising high net worth individuals, families, and business owners on the path to achieving their legacy. He has a deep understanding of investments, insurance and planning and is responsible for delivering comprehensive wealth management solutions that are coordinated with his client’s team of advisors including their CPA, estate planning attorney, and other professionals.

Prior to joining Texas Capital, David served as a Senior Relationship Strategist at PNC Private Bank and as a Private Banker at Morgan Stanley in Dallas, TX. He started his career in wealth management with Merrill Lynch, before joining the Private banking teams at JPMorgan Chase and Wells Fargo. David is active in the Dallas community as a board member with Aspire (Formerly LIFT for Literacy and Aberg Center for Literacy) and is also a member of the 12th Man Foundation. David is a graduate of Texas A&M University in College Station, TX, where he received his BBA in Finance.

Robin C. Thigpin is Executive Director, Sr. Private Banking Advisor for Texas Capital Private Bank. She is responsible for providing guidance to high-net-worth individuals and families by assembling resources to answer clients’ questions related to investments, balance sheet leverage, cash flow and tax advantaged strategies. She assists clients in planning and activating their goals for financial transitions.

Robin joined Texas Capital in April 2024. Previously, she served as Senior Vice President, Senior Relationship Manager at Comerica Bank where she managed high-net-worth client relationships and developed comprehensive solutions to help clients achieve their financial goals. Prior to that, she served at Wells Fargo Bank where she began her tenure as Senior Vice President, Senior Relationship Manager in business banking before moving into the role of Managing Director, Senior Relationship Manager in the private wealth management space.

Robin earned a Bachelor of Arts at the University of Texas at Austin. She is Series 7 and 66 certified. Robin serves on the board of directors for the Settlement Home Foundation and the Long Center for Performing Arts. She is a member of the Junior League of Austin, the Long Center for Performing Arts - Business Arts Council and the Settlement Home for Children. Robin is also involved with the LBJ Library Associates and the Blanton Museum.

John S. Waggoner, Jr. is Executive Director, UHNW & Family Office Coverage at Texas Capital. His responsibilities include delivering tailored capabilities and strategic advice to complex, ultra‑high‑net‑worth clients by drawing on the full resources of the firm’s Private Banking, Commercial Banking, and Investment Banking businesses.

John joined Texas Capital in 2026. He previously led international business development at Luther King Capital Management. Prior to LKCM, he served as Chief Financial Officer at Frontera Offshore and was co‑founder of Remolcadores Portuarios in Mexico City. Earlier in his career, he worked at GBM Banco Atlántico in Mexico City and later served as Vice President with The Citibank Private Bank, Mexico. From 1999 to 2012, he was Managing Partner and Director of Investments at Investar Financial, a Dallas‑based family office.

John is a member of the Board and past President of the DFW chapter of AEM (Asociación de Empresarios Mexicanos) and is Vice President and Grant Committee Chairman of the Aging Mind Foundation.

Austin White is a Wealth Strategist Associate at Texas Capital Private Bank. He is responsible for delivering comprehensive tax planning, business succession and estate planning strategies for Senior Wealth Strategists, and for providing comprehensive estate plan reviews for the Private Bank’s Trust Officers.

Austin joined Texas Capital in August 2024. Before joining Texas Capital, he served as an in-house legal intern for two international companies, providing assistance in contract negotiations and global compliance reviews. He was also a summer associate at a nationwide law firm.

Austin earned a Bachelor of Science from Liberty University’s Helms School of Government and a Juris Doctor from Texas A&M University School of Law. He is an LL.M. in Taxation candidate at the University of Florida’s Levin College of Law and is a licensed attorney with the State Bar of Texas.

Annie Williams Cozad is Vice President, Private Client Advisor at Texas Capital Private Bank, where she serves as a trusted advisor and key point of contact for her clients. She is passionate about delivering thoughtful, customized solutions designed to preserve and grow wealth across generations. She is dedicated to building long-term relationships by understanding her clients’ goals and guiding them with clarity and care.

Annie began her career at Texas Capital in 2019 as a credit underwriter in the Commercial Banking Development Program, providing in-depth financial analysis for both current and prospective borrowers. She then transitioned into the private banking space, continuing her career as a Private Wealth Analyst and Associate. In these roles, she deepened her expertise in investment strategy, financial planning and relationship management, helping to deliver holistic wealth solutions to clients.

Annie earned a Bachelor of Science in economics with a concentration in financial applications at Southern Methodist University.

Jody Zorn is Managing Director, Senior Private Client Advisor for Texas Capital Private Bank. He leads and builds teams of specialists to serve individuals, families, business leaders and foundations to help achieve their own unique wealth and planning objectives.

Jody joined Texas Capital in September 2022, bringing to his role more than 30 years of banking and investment management experience. Previously, he served as SVP for Wells Fargo’s Private Bank. Prior to that, he held successive senior leadership roles, as EVP and North Texas Chairman for Independent Bank and Chief Development Officer for Northwestern Mutual.

Jody earned a Bachelor of Arts and a Master in International Management at Baylor University. He holds the Series 7 and 65 investment licenses, and the CLU designation. Passionate about giving back to the community, Jody serves as Chairman of the Dallas Metropolitan YMCA Foundation and as a Director for Texas Capital Foundation.