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ANB Financial Services

About Us

In a crowded marketplace, there’s not much traffic on the extra mile.
That’s where you’ll find ANB.

ANB’s experienced investment management and trust professionals provide strategic financial advice and management to individuals, families, businesses and charitable organizations.

As a trusted community-focused financial institution, our success is defined by the strength of the relationships we build and maintain with our clients (and their advisers) through effective communication and the delivery of customized financial solutions.

Clients appreciate our professionalism, flexibility, and responsiveness, but we know the main reason they stay with us, often for decades, is because of the way we make them feel. That extra mile is all about exceptional, one-on-one personal service.

What You Can Expect:
Your wealth will be managed by a team of competent professionals with long and impressive careers in the industry who believe that:

These beliefs are the basis for building long-term, high quality relationships that support you at every juncture.

Who We Serve

Our clients are individuals, families, businesses, and charitable organizations who are looking for professional guidance in growing, protecting, and managing their wealth or assets. Guidance that is based on applying experience, not just rules, to create solutions that fit their unique challenges.

Individuals and Families look to us to help them manage their risk and provide attractive returns; develop a tax-efficient strategy for their investments; provide advice on wealth transfers to younger generations; to review or create a financial and estate plan that preserves, grows and effectively transfers wealth.

Businesses often seek our help in managing large cash positions; resolving a need for business or tax planning; providing retirement services or increasing benefits to owners and employees.

Charitable Organizations come to us in search of a higher level of service and expertise; a need for managing investment risk while providing attractive returns; a desire for alternative investment management and administration or a comparison with current management.

We are committed to developing a highly collaborative relationship with their board.

How can we help you?

Northern Colorado Southern Colorado Wyoming Other Locations
303-394-5128 719-381-5651 307-778-5380 Contact Us


ANB Financial Services Management Biographies


Carolyn S. Paul - President ANB Financial Services

Carolyn.Paul@ANBbank.com - (303) 394-5126

A high-energy executive with broad-based leadership experience, Carolyn Paul leads ANB Financial Services Division. As president, she brings nearly three decades of experience to provide strategic direction for the division and leads her team of experts in implementing plans for long-term security and growth of clients’ assets. Additionally, she serves on the board of directors of ANB Bank. Carolyn’s expertise is in portfolio management, asset allocation, alternative investments, business development and leadership. She graduated summa cum laude with a bachelor’s degree in finance. Passionate in helping her community, Carolyn serves on the boards of several Denver area non-profit organizations.

Scott Breaux - Senior Vice President, Investment Manager

Scott.Breaux@ANBbank.com - (303) 394-5423

As senior vice president and investment manager of ANB Financial Services Division at the Cherry Creek Banking Center, Scott will be assisting the bank’s financial services clients with all of their investment needs. He brings a high level of service and trust to his customers, along with a well-rounded knowledge base and experience. Scott has both his bachelor’s and master’s in finance, and has also earned his Chartered Financial Analyst (CFA) designation. Prior to joining ANB, he worked for highly regarded firms such as JP Morgan, First Western Trust and Invesco. Most recently, he worked for Advised Assets Group LLC, a subsidiary of Great West Life. Scott has volunteered his extra time helping kids through Junior Achievement

Denise D. Frau - Senior Vice President, Chief Fiduciary Officer

Denise.Frau@ANBbank.com - (303) 394-5331

Denise Frau brings more than 20 years of legal and financial experience to serve as ANB Bank’s chief fiduciary officer in the ANB Financial Services division. Denise is responsible for overseeing trust and estate administration, drawing on both her experience and legal background. Prior to joining ANB Bank in 2013, Denise worked as an attorney practicing family law and estate planning. Her background also includes 12 years in the financial services industry, focused primarily in trust administration and investments. Denise earned a juris doctorate and a bachelor’s degree in economics cum laude. In the community, Denise volunteers in local schools, both at the university and elementary level.

Will Snider - Senior Vice President, Trust Officer

William.Snider@ANBbank.com - (303) 394-5125

Will Snider, a seasoned financial advisor with two decades of experience, is a trust officer with ANB Financial Services division in Denver. Will provides trust services and long-term financial planning to clients looking to build and transfer assets from one generation to the next. Prior to joining ANB Bank, he served as an investment and trust officer with a bank and trust in Denver. He began his career in 1994, and has since worked in several investment firms and banks, serving in roles of increasing scope and leadership. Will is an active volunteer in his community with organizations ranging in focus from business development, education, and the arts.

Kay Greene, CFP® - Vice President, Wealth Advisor

Kay.Greene@ANBbank.com - (303)394-5052

As a wealth advisor for ANB Financial Services in the Cherry Creek Banking Center, Kay Greene oversees the administration of trusts, estates, investment accounts and IRAs, building close relationships with account owners and beneficiaries.

Kay brings with her over 20 years of experience in financial services. Before joining ANB Financial Services, she held leadership roles in large firms, and also has experience as a business owner. Kay’s most recent position was in a senior leadership role for a large wealth management firm. She also has her bachelor’s degree from the University of Colorado.

Kay enjoys giving back to the community, and is involved in several volunteer activities. She currently serves on the Board of Directors, as well as two committees, for Mental Health America of Colorado, and is on the Board for the Greater Parker Foundation. Kay is also a member of the Rocky Mountain Estate Planning Council. In the past, Kay was nominated as an Outstanding Woman in Business by the Denver Business Journal.

Carol Heddings - Vice President, Trust Officer

CHeddings@ANBbank.com - (719) 381-5623

Serving as a trust officer with ANB Financial Services division in Colorado Springs, Carol Heddings oversees the administration of trusts, estates and investment accounts. Her solid knowledge of banking operations, trust operations and administration, and administration of charitable foundations enables her to best coordinate products and services for her clients. Carol began her banking career in 1978, and joined ANB in 1996 as a Vice President and Trust Officer. As a long-time resident of Colorado Springs, community involvement is very important to Carol.

Tonya J. Kaye – Vice President, Trust Officer

Tonya.Kaye@ANBbank.com - (303)394-5111

As a trust officer for ANB Financial Services in the Cherry Creek Banking Center, Tonya Kaye oversees the administration of trusts, estates, investment accounts and IRAs, building close relationships with account owners and beneficiaries.

Tonya brings with her 20 years of experience in law and business management. Before joining ANB Financial Services, she held positions in both the financial planning field and the legal field. Tonya’s most recent position was vice president and trust office manager at a bank located in Denver. She has also earned both her bachelor’s degree in business as well as her Juris Doctorate.

Tonya enjoys giving back to the community, and is involved in several volunteer activities. She is currently a board member for Project Angel Heart, the Women’s Leadership Foundation and The Leadership Investment. She is also on the St. Anthony’s Hospital Board’s Strategic Planning Committee, and is in the Class of 2015 for Leadership Denver.

Jay Ratterman - Vice President, Portfolio Manager

Jay.Ratterman@ANBbank.com - (303) 394-5065

Jay Ratterman is a Portfolio Manager with ANB Financial Services division, where he conducts extensive research and analysis of clients’ investments to help enhance and diversify their portfolios.

Prior to joining ANB Bank, Jay worked as a performance reporting analyst for an investment consulting firm. He began his career in financial services in 2007. Jay earned a bachelor’s degree in business administration and is a member of the Chartered Financial Analyst Institute and the CFA Society of Colorado.

In his free time, Jay volunteers for the largest provider of donated medical supplies to developing countries around the world.