Michelle Monaco

Michelle Monaco, SVP, Managing Director, FSB Healthcare Group

Senior Vice President, Managing Director,
Healthcare Banking Group & Government Banking Group

Michelle Monaco joined Five Star Bank in 2022 and currently serves as a Senior Vice President, Managing Director of the Government and Healthcare Banking Groups. She is a well-rounded seasoned professional with over 30 years’ experience in the banking industry. Ms. Monaco understands the California Government Code that governs local agency deposits and the revenue cycle management processes of the healthcare industry. She offers valuable solutions to help clients operate more efficiently, improve cash flow, and increase working capital. Prior to joining Five Star Bank, Ms. Monaco served as Senior Vice President, Treasury Services Manager, with Mechanics Bank for over 15 years where she managed mid-to-large sized commercial and industrial client relationships and specialty deposit client relationships in the Healthcare, Professional Services, Non-profit, Government, and Title & Escrow industries. Prior to that, Michelle was with Bank of Walnut Creek for over 11 years where she began her career as an Assistant Vice President, Utility Officer, supporting numerous departments in the organization and eventually serving as Senior Vice President, Controller. Most recently, she worked with Zions Bancorporation as an Enterprise Commercial Product Manager where she focused on developing treasury solutions for mid-to-large sized commercial and healthcare clients. She previously served on the Board of Loaves and Fishes of Contra Costa County for over four years helping people with food insecurity and is currently an active member of several non-profit associations supporting healthcare and public agencies throughout California. Michelle earned her bachelor’s degree in business administration from California State University East Bay and is also a graduate of Pacific Coast Banking School. Additionally, she earned a Certified Treasury Professional (CTP) designation from the Association for Financial Professionals.