Investment Management & Trust

About Us

As individuals build their wealth, their wealth needs professional management. What better place to manage your wealth than at a community bank with a group of competent professionals ready to accommodate all of your wealth management needs. At ANB you not only have the support of a well respected and financially solid bank, but you also have the Investment Management and Trust Group that can guide you through the complicated challenges that wealth can create.

We take a team approach to working with you, our client. This team is comprised of a seasoned trust administrator, investment managers and financial analysts as well as your banker. Your relationship manager acts as the primary point of contact and can coordinate your wealth management and banking needs. When needed, the team collaborates with your attorney, CPA and other advisors to ensure a holistic approach to managing your assets and trusts.

We will evaluate your personal and family's values, goals and objectives comprehensively before recommending any course of action. Ultimately, this team process simplifies and improves wealth planning for each of our clients.

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

Our Team Members

Brian P. Carroll - Vice President, Trust Officer - (719)-381-5636

Brian Carroll serves clients in Colorado Springs, providing trust administration and investment management services. Brian brings more than two decades’ experience in investment management, research, administration, financial consulting and estate planning. Brian has held officer positions with respected asset management divisions of financial institutions located in Florida and Pennsylvania, including chief investment officer, portfolio manager, trust administrator and equity strategist. He earned an M.B.A and is an active member of CFA Institute.

Brian is an active volunteer in the community both on his own and through the bank’s Community Corps Employee Volunteer Program.

Carol Heddings - Vice President, Trust Officer - (719) 381-5623

Serving as a trust officer with ANB Bank’s IM&T 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.

Dawn Bitton - Assistant Vice President, Trust Officer - (303) 394-5111

As a trust officer at ANB Bank’s IM&T division in Cherry Creek, Dawn Bitton oversees the administration of trusts, estates, investment accounts and IRAs, building close relationships with account owners and beneficiaries. Dawn began her career in banking in 2007. Prior to joining ANB Bank in 2012, Dawn served as a trust and wealth strategist officer for an asset management company in Denver. She completed trust training through American Bankers Association Trust School, and holds a bachelor’s degree in business from Colorado State University. Dawn is a member of the Estate Planning Council of Southeast Denver. She also volunteers for an organization that provides emotional support to children fighting cancer.

Denise D. Frau - Senior Vice President, Chief Fiduciary Officer - (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 IM&T 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.

Gayla Austin - Assistant Vice President, Trust Officer - (307) 778-5304

As a trust administrator in Cheyenne, Gayla Austin works closely with account owners and beneficiaries to administer personal trusts, estates and conservatorships.

Prior to joining ANB Bank in 2013, Gayla worked in the legal field for more than 25 years, most recently as a litigation attorney. Her background includes transactional law with experience in administering conservatorships and estates. Gayla earned a juris doctor in 1999 and is a member of the Wyoming State Bar.

Gayla’s volunteer work includes building trails and assisting with events in the Wyoming State Parks system, and providing volunteer legal services and other pro bono work for low-income families.

Jay Ratterman - Assistant Vice President, Portfolio Manager - (303) 394-5065

Jay Ratterman is a Portfolio Manager with ANB Bank’s IM&T 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.

Michael Rice - Senior Vice President, Retirement Services Manager - (303) 394-5041

Michael Rice oversees the Bank’s retirement platform. This service provides employee retirement plan solutions for businesses, non-profits, and governmental entities. Michael brings over 30 years of experience in the trust, custodial, retirement and wealth management industries. Prior to joining ANB he was responsible for the development and management of business retirement programs, liquidity services and other financial products for a number of nationally recognized firms.

He holds a certificate in Bank Management and is currently holding a FINRA Series 7 general securities license.

Troy Jensen - Vice President, Retirement Services Officer - (303) 394-5052

As a retirement services specialist in the IM&T division at ANB Bank’s Cherry Creek branch, Troy Jensen oversees administration of employer 401(k) plans, individual retirement accounts and other retirement pension plans.

Before joining ANB Bank in 2012, Troy served as a senior compliance specialist of pension plans. He began his career in employee benefits in 2001 with a large bank. Troy holds the Qualified 401(k) Administrator (QKA) and Accredited Pension Administrator (APA) designations. Outside of the bank, Troy has been certified as a foster parent for several Colorado counties.

Will Snider - Vice President, Trust Officer - (303) 394-5125

Will Snider, a seasoned financial advisor with two decades of experience, is a trust officer with ANB Bank’s IM&T 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.

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Not a Deposit | Not FDIC-Insured | Not Insured By Any Federal Government Agency | Not Guaranteed By The Bank | May Go Down In Value

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