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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

Learn more about our treasury solutions:

Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

Learn more about our international banking solutions:

Employee Stock Ownership Plans

Access objective advice regarding the best solutions to meet your ESOP financing needs.

headshot of Andrew J. Kulesza

Andrew J. Kulesza

Vice President at the ESOP Advisory Group

Andrew Kulesza is a Vice President in the ESOP Advisory Group, where he is dedicated to advising bankers and their clients on both new and existing ESOPs. Having had prior experience as a middle market banker, Andrew also has 15 years of cumulative experience working inside a middle market ESOP as a CEO, CFO and internal trustee. He is an active member of the ESOP Association, National Center for Employee Ownership and the Ohio Employee Ownership Center. Andrew is an ESOP advocate who has sat on the Board of Directors for the ESOP Association and worked with Congressional legislators from both parties on ESOP initiatives, obtaining House sponsors for HR 3586.

Andrew has a Bachelor’s Degree in Finance from Miami University, a Master’s in Secondary Business Education from Xavier University and a Master’s in Business Administration from Xavier University.