Michael Lacapria serves as Senior Vice President and Chief Financial Officer of Esquire Financial Holdings, Inc., a New York-based bank holding company for Esquire Bank, National Association. With over 25 years of experience in the financial services industry, Lacapria brings a wealth of expertise in financial planning, reporting, treasury management, and regulatory compliance. He joined Esquire in 2018, playing a pivotal role in the company's growth as it expanded its merchant acquiring and factoring services, while navigating complex public company requirements following its IPO. Prior to Esquire, Lacapria held senior finance positions at Signature Bank, where he managed financial operations for the bank's commercial real estate lending division and contributed to its rapid expansion. His earlier career included roles at HSBC Bank USA and other institutions, where he honed his skills in risk management, capital markets, and strategic financial analysis. Lacapria's achievements include leading successful capital raises, optimizing cost structures to improve profitability, and ensuring robust compliance with SEC and banking regulations. At Esquire, Lacapria oversees all aspects of the company's financial strategy, including budgeting, investor relations, and M&A activities. Under his leadership, Esquire has achieved consistent revenue growth, strengthened its balance sheet, and delivered strong returns to shareholders. A Certified Public Accountant and MBA graduate, Lacapria is recognized for his strategic foresight and commitment to fostering a culture of financial discipline and innovation.