Our Team

505-460-8243
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Andres began his banking career in 2006 working in treasury management. Over the following years he held positions in business banking, merchant services, and commercial lending. He worked his way up to head of commercial where he supervised a team of bankers and ensured loan quality. Most recently he served as the President and CEO of a local bank. As President at Capra Bank, Andres is responsible for steering the strategic direction of the New Mexico location and driving growth in the market for Capra Bank. As the leader of the talented team of New Mexico bankers, he provides guidance, establishes, and monitors the branch’s financial objectives, and helps customers reach new peaks in their personal and business lives.

Albuquerque has been Andres’ home for the vast majority of his life, with his family having roots in New Mexico dating back to the late 1700’s. He cares deeply about the community and is a habitual volunteer, lending his time to multiple non-profit boards and professional organizations. He currently serves as a vice chair for Adelante Developmental Center inc. and is an active supporter of the Make-a-Wish Foundation. He serves as a Board Ambassador for Junior Achievement of New Mexico and stays involved in the New Mexico Bankers Association.

As a former fly fisherman guide, in his free time Andres loves to fish and is known to use the phrase, “I’d rather be fly fishing.” He enjoys time at home on their modest farm with his family which includes his wife, three kids, and multiple animals.

505.460.8249
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Born and raised in Albuquerque, this talented banker and busy mom started her banking career in 2005 as a summer intern working as a teller. She completed her master’s degree in accounting and bachelor’s degree in finance with a minor in Spanish at the University of New Mexico. Over the subsequent years, Liz held a number of different positions in various segments of the bank including retail, credit analysis, wealth management, business banking, and commercial banking. She found her passion in commercial banking, supporting business owners in the New Mexico market.

Liz stays involved in multiple non-profits and organizations, lending her time to the community that she adores. She serves as board secretary and treasurer of the New Mexico Bankers Association, serves on the emerging leaders council for the American Bankers Association, the Junior Achievement board, and the Leadership New Mexico board.

Her personal life keeps her busy as well with her husband and two sweet kids. Outside of work, Liz enjoys golf and hanging out with her extended family every chance she gets.

505.460.8241
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Since Capra Bank opened in Albuquerque in July of 2024, Michael Gaillour has served as Senior Vice President, Commercial Banker, where he leverages his decades of experience to build strong client relationships and support the financial growth of businesses across New Mexico.

Deeply committed to community service, he serves on the Albuquerque Public Schools Community Capital Advisory Committee, and is Trust Protector for the Questa, New Mexico Economic Development Fund established by Chevron Corporation.

He and his wife, Cynthia M. Gaillour, Principal at Georgia O’Keeffe Elementary School in Albuquerque, are proud parents of their son, Zachary, who earned his Masters Degree in Architecture from the University of New Mexico and is employed with a local architectural firm. Outside of banking, he enjoys fly fishing, skiing, and music. A lifelong drummer, he performs with the local band Vintage Underground.

505.417.9801
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505.460.8242
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This graduate of the Western States School of Banking was born and raised in Albuquerque. Matt earned his BA in finance from the University of New Mexico and began his banking career in 2011. Over the subsequent years, Matt amassed a wealth of knowledge in personal banking and underwriting before finding his passion in commercial banking. As Vice President of Commercial Banking at Capra Bank, Matt enjoys finding tailored solutions to help his customers reach their next peak.

Matt is a habitual volunteer, dedicating his time to local non-profits in the Albuquerque area. He currently serves as an ad hoc member of the Big Brothers Big Sisters of Central New Mexico, and is a board member for the Children’s Cancer Fund of New Mexico and the University of New Mexico Lobo Club.

In his free time, Matt enjoys spending time with his wife and two children as well as golfing and outdoor activities.

505.460.8239
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505.308.6418
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505.460.8245
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505.460.8247
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505.460.8254
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505.460.8250
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(913) 375-7465
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Paul Richter brings over 20 years of banking experience and a passion for helping businesses grow to his role as Vice President of Commercial Banking at Capra Bank.

Paul began his career in 2005 where he quickly advanced from a personal banker to commercial lending officer. Over the next decade, he built expertise in credit analysis, portfolio management, and commercial lending leadership, serving in senior roles at well-known community banks and later with larger regional financial institutions. His career has included leadership positions such as credit manager, portfolio manager, and senior vice president of credit products.

A graduate of the University of New Mexico with a degree in History and a master’s degree in Music from the University of Missouri–Kansas City, Paul blends creativity and analytical insight to deliver thoughtful, personalized banking solutions.

Paul is actively engaged in his community, serving as Treasurer and Board Member for Rebuilding Together Sandoval County and as a Board Member for the Risk Management Association (RMA) New Mexico Chapter. He also supports his wife’s congregation where he occasionally directs or performs with the church choir.

Outside the office, Paul’s interests reflect his energy and curiosity. He has visited over 35 countries, completed 10 marathons, and continues to enjoy running, traveling, and supporting UNM basketball. A lifelong musician, Paul holds a master’s in trombone performance and continues to stay connected to music whenever possible.

Paul and his wife, Ann, recently celebrated the birth of their son, Luke, in August 2025. Together, they are proud to call New Mexico home and to be part of the Capra Bank team.

505.460.8246
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505.460.8248
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(505) 431-8498
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A longtime resident of Albuquerque, Philip brings extensive expertise in building scalable treasury platforms, strengthening core deposits, and aligning financial services with evolving client needs. He excels at driving strategic growth, payments modernization, and working capital optimization for commercial clients.

“Philip is an outstanding addition to our New Mexico team,” said Andres Garcia, President of Capra Bank. “His leadership in treasury management, combined with his understanding of our local market, makes him a tremendous asset. We’re excited to welcome him to Capra and confident he will play a key role in delivering value to our clients and our community.”

Most recently, Philip served as Senior Vice President of Treasury Management at a well-respected local financial institution, where he established the bank’s treasury management function, including strategic planning, product development, and operational infrastructure. In this role, he led initiatives to expand commercial card capabilities, modernize payment systems, and integrate treasury services across lending, operations, and technology teams to enhance relationship profitability and client retention.

Previously, Philip held treasury leadership positions at other regional and national banks, where he consistently delivered strong performance in sales growth, deposit expansion, and client advisory. His experience spans the commercial, government, and nonprofit sectors, with a focus on improving liquidity management, cash conversion cycles, and overall financial efficiency.

Philip currently serves on the Board of Directors for Junior Achievement of New Mexico, where he also holds the role of Treasurer, providing financial oversight, governance support, and strategic guidance to advance the organization’s mission of youth financial literacy and workforce readiness. In addition, he serves as Head Coach of the La Cueva High School Freshman Baseball team, demonstrating a strong commitment to community engagement, mentorship, and youth development.

505.460.8253
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Born and raised in Albuquerque, NM, Grant started his banking career as a part-time teller. As a natural leader, Grant has transitioned through various roles including universal banker, relationship banker, senior operations, branch manager for multiple branches, and now leading Capra retail for the NM market.

Outside of work, Grant volunteers his time at his church supporting the special events team, loves spending time outdoors hunting, fishing, camping, working on cars, and woodworking/carpentry. He is a loving father of 2 young kids and happily married to his wife, Jordan.

505.460.8240
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505.460.8244
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