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Executive Leadership Team
Toni-Ann Sforza
Chief Operating Officer
Toni-Ann Sforza serves as Chief Operating Officer at Municipal Credit Union (MCU), where she leads a broad and integrated operating model spanning People & Administration, Retail Channels, Operations & Digital Services, and Financial Crimes & Intelligence. Her portfolio includes enterprise responsibility for human resources and learning & development; the retail branch network and contact center; ATM network; facilities and physical security; deposit, digital and card operations; fraud; and mail banking.
Toni-Ann is responsible for driving growth across member-facing channels while ensuring the infrastructure, talent, and processes are in place to support scale. Under her leadership, MCU has expanded retail and digital channels, enhanced fraud and financial crimes capabilities, and advanced a performance-driven culture grounded in accountability, collaboration, and measurable results.
She is recognized for her ability to translate strategy into execution—aligning people, process, and technology to improve member experience, operational efficiency, and cross-functional collaboration. Toni-Ann’s leadership has been recognized with multiple industry honors, including being named to City & State New York’s Forty Under Forty and Schneps Media’s Manhattan Power List. Prior to MCU, Toni-Ann held senior leadership roles at Apple Bank and Amalgamated Bank. She holds a Bachelor of Science in Organizational Management from Mercy University and has completed executive education programs at Cornell University and The Wharton School.
She also serves as a Board Member of the MCU Foundation and Ronald McDonald House of the Greater Hudson Valley.
Serving New Yorkers for More Than 100 Years
For more than a century, Municipal Credit Union has been part of the fabric of New York City. As a homegrown financial institution, we are committed to helping New Yorkers get more—more value from their money, more access to financial opportunity, and more support at every stage of life.
Every day, we work to deliver the service, tools, and guidance that help the people who power this city move forward with confidence.
We’re Ready to Help You Shape Your Future on Your Terms.
Whether you join the MCU community as a credit union member or as a team member, you’ll be welcomed with warmth, inclusivity, and the resources you need to meet your goals.
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MCU Is a Nonprofit Credit Union Dedicated to Helping Our Members Succeed.
We serve our community with excellent rates, member benefits, and a wide array of accessible products and services that help each member create a foundation for an excellent financial future.
