
Staff

David Gouwens
Interim CEO / Chief Operating Officer (COO) / Chief Financial Officer (CFO)
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David formally joined the WINLF staff in 2019 but has been doing consulting work for WINLF since 2011. Prior to joining the WINLF Team, David owned an IT consulting company. Before starting his consulting company, David spent 9 years as the IT Director for a multi-state finance company. As such, he developed the majority of the software used by the company. He also performed the role of Operations Manager there. His greatest accomplishment was helping to create an IRA holding company from scratch in three months. David has bachelor's degrees in both physics and theater.

Janice St. Germaine
Lending and Administrative Director
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A Lac du Flambeau Band of Ojibwe Tribal member who owns multiple small businesses, served on the Board of a Wisconsin Native CDFI, and has lending and Board experience working for a tribal lending entity. Janice also serves on the Lac du Flambeau School Board.

Jeannie Felix
Senior Credit-Housing Counselor
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She has several years of office management experience with a focus on computer software programs and principles in accounting and data tractability. She has an associate degree in human services with a psychology certificate. She is an entrepreneur in small agricultural development and business.

Christine Haling
Loan Officer
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Christine has a bachelor's and master's degree in business administration, preceded by associate degrees in accounting and small business management, all from Lac Courte Oreilles Ojibwa University. She has previous work experience in managing multimillion dollar budgets, contract management and office management. She maintains involvement with the American Indian Science & Engineering Society, American Indian Indigenous Business Leaders and American Indian Higher Education Consortium. She is a descendant of the Lac du Flambeau Tribe.
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Krysanda Bissonette
Accounting and Communications Assistant
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Krysanda has experience in online/e-banking services, underwriting, consumer lending, and financial education in part through working at a credit union. With her background in tax preparation, she now helps advocate tax advice to tribal members. In her spare time, she volunteers to show up as an emerging leader to help direct group initiatives like The Young Professionals to be able to help give back to indigenous schools, peoples, and their communities.
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Kristy Carlson
Associate Credit-Housing Counselor
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Kristy has previous mortgage experience as a loan processor. She has owned multiple businesses over the last 20-plus years, such as co-owner of a cattle/horse ranch and short-term rental property with her husband in northern Wisconsin. She has years of experience teaching and working with youth, such as homeschooling her older children and advocating for the special needs department for her local school. Also, she has always been involved with her community, such as spending the last 10 years serving her county’s fair in connection with event planning, fundraising, advertising, and judging exhibits. She is a freelance photographer and spends her free time enjoying the outdoors through hiking, rockhounding, paddle boarding, and traveling.
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Christy Guy
Controller
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Christy is the newest member of the WINLF team, bringing over 30 years of accounting experience across diverse sectors, including real estate, legal, and finance. She holds a bachelor’s degree in accounting from the University of Alabama at Birmingham and has built a career marked by leadership and financial expertise. For the past 16 years, Christy has been a key figure in REALTOR Association management, where she has held various senior roles such as Finance Director, CFO, and acting CEO. She also served as the staff liaison to the Board of Directors, further honing her strategic and operational acumen. With her extensive background, Christy adds significant value to the team as she applies her skills to drive financial excellence at WINLF.