Zachary joined FHLB Des Moines more than six years ago. He covers Idaho, Utah and Wyoming as a relationship manager in the Member Solutions Department. Before joining the Bank, he spent seven years at America First Federal Credit Union in various positions, including assistant manager for secondary market activity. Zachary holds a Bachelor's of Science in Finance from Utah State University and graduated from the Pacific Coast Banking School, a renowned executive management graduate school of banking. He also received training at the University of Washington's Foster School of Business in executive leadership. A native of the state of Utah, Zachary and his family call Nibley home.