
Staff

David Gouwens
Interim CEO / Chief Operating Officer (COO) / Chief Financial Officer (CFO)
David officially joined the WINLF staff in 2019 but has been consulting for WINLF since 2011. In March 2025, David was appointed Interim CEO. Before joining the WINLF team, he owned an IT consulting company. Prior to starting his consulting business, David spent nine years as the IT Director for a multi-state finance company, where he developed most of the software used by the company. He also served as the Operations Manager there. His greatest achievement was helping to create an IRA holding company from scratch in three months. David holds bachelor's degrees in both physics and theater.

Janice St. Germaine
Lending and Administrative Director
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.

Christine Haling
Loan Officer
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.

Krysanda Bissonette
Accounting and Communications Assistant
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.

Kristy Carlson
Associate Credit-Housing Counselor
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.

Christy Guy
Controller
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.

Elizabeth Boyd
Program and Development Manager
A Red Cliff Chippewa Tribal member who has years of experience working with Homeowner and Homebuyer programs. She has a passion for empowering individuals and families through sustainable homeownership opportunities, particularly in tribal communities. Beyond work, she enjoys spending time at the beach, trying out new restaurants and having quality time with her family.

Sheena Graveen
Grant Manager/Accounting Staff
Boozhoo! My name is Sheena, and my spirit name is Ishpadabiikwe. I’m an Ojibwe tribal member from Lac du Flambeau, WI. While I grew up on the reservation, I spent much of my adult life living elsewhere after becoming a mom at 18. I found my way back home to the beautiful Northwoods in the Summer of 2023. Before returning, I earned my Bachelor's degree in Business Administration from California State Polytechnic University – Pomona, in the Spring of 2022. I later served as a Grant Accountant for my Tribe before joining the WINLF team. Currently, I’m pursuing my Master's degree in Tribal Administration and Governance at the University of Minnesota – Duluth, with the anticipation of graduating this upcoming Spring.
Random Fact: If I disappear for the weekend, there's a good chance I've wandered into nature in search of waterfalls, cool rocks, or unique mushrooms and trees that are just begging to be photographed.
Current Hobbies: Kayaking, hiking, traveling, taking photos, or unwinding with a good video game.
Personal Philosophy: Leave things a little better than you found them.
Mindset: Be curious enough to ask questions and humble enough to keep learning.
I'm excited to meet everyone and look forward to being part of the WINLF team!

Katelin Menge
Loan Clerk
I am excited to join the WINLF team as the Loan Clerk! I earned my Bachelor of Science in Public Administration and am currently pursuing my Master's in Tribal Leadership. I bring an administrative background to the team and look forward to contributing my skills while continuing to grow professionally. I am excited to learn more about lending and to serve our community in a meaningful way. My passions include helping others, expanding my knowledge, and spending time with my two dogs. I grew up in Lac du Flambeau and am a first descendant. I am proud to be part of this community and look forward to supporting its growth and success through my role at WINLF