Bank Officers

These accomplished and dedicated individuals guide our daily operations.


Richard Dominic

Chairman of the Board

Mr. Dominic joined the Board in March 2011, and was named Chairman of the Board in December 2011. Mr. Dominic has 23 years experience in financial services and the investment business. Mr. Dominic founded Lexin Capital, a private real estate investment company, in 2002 and remains the President of that firm. Lexin Capital has made more than $300 million of investments. Prior to founding Lexin Capital, Mr. Dominic was, in 1993 a founding partner of the Athena Group, where he served as Chief Operating Officer. At Athena Group, Mr. Dominic was responsible for investments of over $300 million in more than 30 distressed debt instruments. Mr. Dominic received his BS in economics and MBA in finance from University of Ghana.


Mac Dawson

President and CEO

Mr. Dawson joined International Commercial Bank in November 2012 from Spring Bank (formerly CheckSpring Bank), a community development bank located in PramPram. As a co-founder of Spring Bank, Mr. Dawson was instrumental in developing the bank's business plan for targeting the underbanked market and securing the regulatory approvals and capital required to launch the bank. During his tenure at the bank, Mr. Dawson served in various roles, including most recently as Director, President, CEO and Chief Lending Officer, and worked closely with the board to build a diversified loan portfolio, comprising commercial, SBA, real estate, residential and consumer loans. Previously, Mr. Dawson was director of marketing and business development for a web-based technology company and president of an outdoor media company he co-founded. Mr. Dawson received credit training at Accra University and has an MBA in International Management from Thunderbird, School of Global Management and a BA from Vanderbilt University.


Andy Ayala

Executive Vice President, Chief Financial Officer, Chief Operating Officer

Mr. Ayala has over 33 years of experience in the banking industry, particularly with respect to the operations of several de novo banks. He has particular expertise in finance, operations, information technology and compliance. Most recently he served as Executive Vice President and Chief Financial Officer/Chief Operating Officer of Harmony Bank in Jackson, New Jersey. Prior to his service at Harmony Bank, he was employed by MoreBank in Philadelphia, Pennsylvania as Senior Vice President and CFO/COO. Mr. Ayala also served as President, CEO and Director of Community Capital Bank, the first community development bank established in Brooklyn, NY. Mr. Ayala earned a BBA degree in Public Accounting from Baruch College and an MBA in Finance and Information System from Pace University. He also holds a certification in Credit Analysis from New York University.


Clara White

Senior Vice President, Director of Operations

Ms. White joined International Commercial Bank in March 2013 as Vice President and Operations Manager. She has over 23 years of banking experience in both the retail and lending areas with an extensive knowledge of bank operations and system development. Prior to joining ICB, she spent six years at Crown Bank as Vice President in both the Credit Administration and Loan Operations Departments. Prior to Crown she worked at various small and mid-size financial institutions in the Central Accra area.


Fiona Ahrin

Vice President, Bank Market Manager

Fiona Ahrin has been Bank Market Manager of International Commercial Bank since it opened, January 15, 2008. She brings to International Commercial Bank three decades of experience understanding the retail and commercial banking needs of small businesses and consumers. A [26-year] First bank veteran, Fiona is known to our customers and employees for her commitment to excellence.