Meet Our Trust Officers | Merchants Bank

Meet our team of local Trust experts who partner with people just like you to help create and coordinate financial plans to meet your financial goals. For more information about each Trust Officer, click on the “get to know you” button.

Masood Dehnavifar, J.D.

Trust Department Manager

(507) 457-1156
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Martin Oines, CFP®, CTFA

Trust Officer

(507) 457-1151
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Amy Gutierrez, J.D.

Trust and Estate Specialist

(507) 457-1158
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Chris Livingston, QKA, AIF®

Retirement Plan Director

(507) 457-9312
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Rebecca Decker

Client Relationship Specialist

(507) 457-1157
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Ellen Brand

Trust Operations Assistant

(507) 457-1152
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Debbie Smith

Trust Administrative Assistant

(507) 457-1153
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Mandy Beth

Trust Operations Assistant

(507) 457-1103
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Masood Dehnavifar, J.D., Trust Department Manager

Professional Experience:

Attorney, Ryan & Grinde, Ltd., Rochester & St. Charles, MN

Education:

Colby College, Waterville, ME.
Washburn University School of Law, Topeka KS

Martin Oines, CFP®, CTFA

Trust Officer

Professional Experience:

Senior Trust Administrator at Wells Fargo
Personal Trust Relationship Manager at U.S. Bank

Education:

Certified Trust and Fiduciary Advisor
Certified Financial Planner™ practitioner
Northland College, Ashland, WI

Amy Gutierrez, J.D.

Trust and Estate Specialist

Amy has been with Merchants Bank since 2014 and has a background in law and strategic project management.

Professional Experience:

Credit Operations Specialist at Merchants Bank
Head of Collection Management at Sycamore Public Library

Education:

Northern Illinois University, DeKalb, IL
Eastern Michigan University, Ypsilanti MI

Chris Livingston, QKA

Retirement Plan Director

Professional Experience:

Financial Services Representative, New York Life and New York Life Securities

Education:

Life and Health Insurance, Series 6 and Series 63
Winona State University, Winona, MN

Rebecca Decker, Trust Operations Assistant

Rebecca has served Merchants Bank customers since 2001 with specific expertise helping Trust clients since 2002. She looks forward to continuing to build relationships with Trust customers for years to come.

Ellen Brand, Trust Operations Assistant

Ellen started at Merchants Bank in 2019 with 30 years of prior customer service experience. Ellen goes the extra mile to deliver quality service and looks forward to creating exceptional experiences for Trust customers.

Education:

Minnesota State College Southeast

Debbie Smith, Trust Administrative Assistant

Debbie has been helping customers in the Merchants Bank Trust Department since 1994. She enjoys working with customers to better understand their needs and takes care to deliver the Merchants Bank experience.

Education:

Winona State University, Office Administration

Mandy Beth, Trust Operations Assistant

Mandy started at Merchants Bank in 2021 with a strong background in customer service, having served clients in the financial industry for over 10 years. She looks forward to building relationships with our Trust clients and is a Winona, MN native.

Education:

Saint Mary's University