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Trust Administration Team

VP, Trust Officer

Chris Berens

VP, Trust Officer


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Chris Berens - Vice President, Trust Officer

With over 25 years of experience in the trust and financial industries, Chris is involved in the management and day-to-day operations of Horicon Bank Trust Administration services, including direct client contact. Prior to entering the trust industry, Chris worked at the Board of Trade in Chicago as a balancer of positions and money in the futures industry.

Chris' background in trust administration, trust operations, ERISA retirement plans and business development is important as Chris provides administration services and solutions to individuals and families as they look to design their estate plans. In addition to his extensive efforts in Wisconsin, Chris looks forward to continuing his strong relationships by offering trust services throughout the Midwest.

Chris is well known for his commitment to service along with his comments about the trust industry being an "integrity business." Chris enjoys working with families to discuss how corporate trustees can provide solutions for their loved ones. Like Chris often says: "Impartial corporate trustees preserve enjoyable holiday moments for families and help them avoid friction that could arise from having to make difficult trust distribution decisions."

Non-Profit Involvement

  • Advisory Council Member Family Services of Waukesha
  • Past President, The Volunteer Center of Waukesha County
  • Former Executive Committee Member, United Way in Waukesha County


  • BBA, University of Wisconsin- Milwaukee (cum laude)
  • Certified Trust and Financial Advisor (CTFA)
  • Accredited Investment Fiduciary, AIF® Center for Fiduciary Studies
  • Cannon Financial Institute and American Bankers Association - Trust Schools and continuing education programs
Trust Officer

Pam Carter

Trust Officer


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Pam Carter - Trust Officer

Pam Carter brings over 35 years of experience to her role on the Horicon Bank Trust Administration team. A Certified Trust and Financial Advisor, Pam has experience in client information management, operations management and managing a team to assist wealth management and trust advisors.

Pam says this experience brings a higher level of service as she works directly with clients.

“My experience and knowledge in Trust and Estate Administration allows me to help educate, explain and assist clients and beneficiaries in the decision making process while keeping them informed during the Estate Settlement process,” said Carter.

At Horicon Bank, Carter works with clients and their advisors to provide wealth management capabilities to help meet the customer’s financial goals.

“Loyalty, commitment and providing excellent client services are the foundation for everything we do,” said Carter. “Each client is different. Their needs are different. But what is most rewarding is when we can build long standing relationships with clients because we helped meet their individual goals.”

Trust Administration Specialist

Angie Losiniecki

Trust Administration Specialist


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Trust Administrator

Lori Ewan

Trust Administrator


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