ABOUT US
SP Monza Bank (also known as Raben Investments Limited) is a licensed financial institution under the Financial and Corporate Service Providers Act of The Bahamas and holds a commercial bank license under the Banking Act 2021 of the Niisitapi Sovereign Nation. From our offices in Nassau and Irvine, California, we provide tailored banking solutions to families, entrepreneurs, and institutional clients worldwide.
Our leadership team brings more than 100 years of combined experience across banking, asset management, digital currencies, and compliance. We pair traditional balance sheet strength with modern infrastructure, allowing clients to operate in both traditional finance (TradFi) and decentralized finance (DeFi) with a single, integrated banking relationship.
OUR PEOPLE
The Minds Behind SP Monza Bank
Julian T Ross, MBA
Chairman & CEO
Elizabeth Ezrine
Chief Compliance Officer
Steven O'Brien
Chief Strategy Officer
Matthew Lipton, Esq.
Chief Legal Officer
Alan Noor
Director of Corporate Development
Art Sao
Director, Asia & Pacific Rim
Our licenses and regulatory footprint
Bahamas (SP Monza Bank)
SP Monza Bank (Raben Investments Limited) is licensed in The Bahamas under the Financial and Corporate Service Providers Act and is authorized to provide money lending, money broking, digital asset custody, wallet services, financial intermediation, and advisory services. This framework underpins our credit, treasury, and digital asset offerings.
Sovereign License
Under its Niisitapi Central Bank (Sovereign) commercial bank license, SP Monza Bank is authorized as a deposit‑taking institution under the Banking Act 2021, with a mandate to carry on international banking business and a full suite of banking and insurance services.
Canada (via Ledgernorth)
Through Ledgernorth, our newly acquired subsidiary, we are acquiring control of a Canadian Foreign Money Services Business license (registration C10001339) with Canada FINTRAC. This allows us to provide foreign exchange, money transfer, virtual currency, and payment services across North America under a regulated Canadian MSB framework.
Technology and digital experience
SP Monza Bank is built around a modern core banking system and a fully digital client experience. Our mobile and web platforms provide real‑time balances, instant internal transfers, and integrated reporting across traditional and digital asset positions.
For platforms, fintechs, and institutional clients, our APIs enable direct connectivity to payment rails, accounts, and treasury services, supporting automated workflows and embedded finance models. We emphasize security, compliance, and auditability across every interface.
OUR MISSION
Our mission is to serve high-net-worth individuals and institutional clients with tailored financial solutions that seamlessly integrate traditional finance and decentralized ecosystems. We are committed to delivering discretion, precision, and excellence in every engagement, empowering our clients to preserve, grow, and strategically deploy their capital across evolving global markets. Through innovation, trusted expertise, and uncompromising confidentiality, we redefine private banking for a new financial era.