Leadership Team

With more than 25 years of experience in the financial services industry, Donna Bland was named President and Chief Executive Officer of Golden 1 Credit Union in 2010. She has been an integral part of Golden 1’s rise to industry leadership through exceptional service, employee engagement, community support, and responsible financial management.

Donna is active in the financial services industry serving on the Visa Senior Client Council, Department of Financial Protection and Innovation Credit Union Advisory Committee, the CUNA Credit Union Powers Subcommittee, and the California Credit Union League Board of Directors. She is also on the board of the Greater Sacramento Area Economic Council and Sacramento Host Committee. Previously she served on the Credit Union Direct Lending (CUDL) board from 2011 to 2020.

In 2021, Donna received the Leadership California “Trailblazer Award” and was recognized as a “Top 100 Women Leaders in Finance” by Women We Admire. Donna was named a “Most Admired CEO” by the Sacramento Business Journal in 2020. In 2016, she was included among the Sacramento Business Journal’s “Women Who Mean Business” and was named one of Bizwomen’s “100 Women to Watch” nationwide. She was also named “Businesswoman of the Year” by the Sacramento Metro Chamber in 2015.  She is one of only two women at the helm of a top-10 credit union in the United States.

Under her leadership, Golden 1 has also received numerous prestigious awards for excellence, including Forbes Best-In-State Employer (2019, 2020, 2021), American Banker’s Top 3 Most Admired Financial Institutions (2021), Credit Union Journal’s Best Credit Union to Work For (2021), Nerd Wallet’s Best Credit Union in California (2020), Business Insider’s Best Credit Union in California (2020), and the Sacramento Business Journal’s Corporate Citizenship Award (2021).

Prior to joining Golden 1, Donna was a manager at KPMG, an international accounting firm. Donna is a Certified Public Accountant (CPA) and earned a Bachelor of Science degree in Accounting from San Francisco State University. Raised in San Francisco, she now resides in Sacramento with her family.

Dustin Luton joined Golden 1 in 2015 as Chief Financial Officer. He now serves as Executive Vice President providing strategic direction in the areas of Finance, Risk, and Administration. Formerly President and CEO of a Southern California bank, he was also a Partner at McGladrey and Pullen, one of the nation’s largest providers of assurance, tax and consulting services.

Dustin earned a Bachelor’s Degree in Business Economics from the University of California Santa Barbara and is the Board Chair for the American River Parkway Foundation.

Richard Musci joined Golden 1 Credit Union in 2013. He provides oversight of Senior Leaders responsible for Retail and Digital Delivery Channels, as well as Home Loans, Consumer Lending, Dealer Services, and Marketing. Prior to joining Golden 1, Richard held executive positions at two leading online financial services firms. His experience includes directing marketing and product management activities, including strategy, promotion, analysis, and development.

A graduate of the University of California, Berkeley, Richard currently serves on the City Year Sacramento Advisory Board as Chairman of the Philanthropy Committee.

Doug Aguiar joined Golden 1 Credit Union in 2015 as Senior Vice President and Chief Marketing Officer. He leads the marketing, product, communications, and community relations teams for one of the most recognized financial services brands in Northern California. Golden 1’s comprehensive marketing program encompasses mass media, direct response and digital marketing, as well as NBA and athletics sports sponsorships.

With over 25 years of marketing experience, Doug has held executive level positions with Fortune 500 financial services companies. He holds an Executive Master of Business Administration from the University of Washington and a Bachelor’s Degree in Journalism from the University of Southern California.

Doug also serves on the board of Stanford Sierra Youth Solutions.

Heather Andrade-Neumann joined Golden 1 Credit Union in 2018 as the Chief Human Resources Officer. Heather is the catalyst for creating a positive work environment that attracts, develops, retains, and fosters a dynamic workforce. She oversees the areas of succession planning, talent management and acquisition, diversity, equity, and inclusion, change management, organizational and performance management, learning and development, internal communications, and total rewards.

Heather earned a Master’s degree in Human Resources at Golden Gate University and a Bachelor’s degree in Communications Studies from California State University, Sacramento. She has more than 25 years of human resources experience and is on the board of Visit Sacramento.

Alphonso Cosby joined Golden 1 Credit Union in 2018 and now serves as Senior Vice President, Retail Officer. Alphonso formerly held the positions of Vice President of Branch Channel Delivery and Senior Market Area Manager. In his current role, he leads the strategic direction of the Retail Branch Network and Digital Channel Delivery to offer solutions that add value and convenience to members.

Alphonso has more than 20 years of retail experience, with nearly 15 years of leading retail banking systems, and enjoys enhancing the lives of our members, employees, and the communities that he serves. 

Alphonso is a graduate of California State University Sacramento, and also serves on the Board for the YMCA of Superior California.

Allyson Hill joined Golden 1 Credit Union in 2012 and is currently Senior Vice President, Chief Financial Officer. She joined the credit union as Vice President, Controller. Allyson oversees Finance, Accounting, Credit Risk, and Capital Planning and Stress Testing. 

Allyson previously served as a Senior Manager at KPMG for nearly 10 years. A licensed CPA, she earned her college degree from Cal Poly San Luis Obispo and is on the board of Junior Achievement Sacramento. 

Shane Knighton joined Golden 1 Credit Union in 2020 as Senior Vice President, Business and Financial Services. He leads business services, investments, and insurance services.

Shane has over 20 years of commercial and small business lending experience including 17 years in the credit union industry. He has long been a passionate advocate for underserved small businesses, and has considerable expertise in Small Business Administration loan programs. Prior to joining Golden 1, he held senior level positions with two credit unions, and was most recently President and CEO of a commercial loan service provider for credit unions throughout the U.S. Shane holds a Bachelor’s degree in Business Administration from University of Phoenix and is on the board for Child Advocates of Placer County.

Courtney Linn joined Golden 1 Credit Union in 2017 as Senior Vice President and General Counsel. He earned his A.B. (with honors) and J.D. (Order of the Coif) from the University of California, Davis.

Prior to joining Golden 1, Courtney was a partner at Orrick, Herrington & Sutcliffe, LLP and formerly was an Assistant U.S Attorney for the Eastern District of California. He is also a Board member of the Sacramento Federal Judicial Library and Learning Center Foundation.

Reva Rao joined Golden 1 Credit Union in 2020 as Senior Vice President of Consumer Lending. Reva has spent her professional career within the retail financial services industry. Prior to joining Golden 1, Reva held senior positions at leading national and international financial services companies. Her experience includes developing strategy and development of secured and unsecured lending products.

Reva has also served on a number of boards, including Cutting Ball Theater and the New Conservatory Theater in San Francisco to champion innovation through high quality education among youth and artists in the LGBTQ communities. She is also serving as the Assistant Chair of the Novato Planning Commission. She holds a B.A. from Delhi University and an MBA from University of Technology, Sydney.