Frank Lloyd Gonzaga is the Group Head for Innovation and Advocacy Group of SBCorp. Prior to joining Sbcorp, he was the Department Manager from or Business Development and Accounts Evaluation of the Home Guaranty Corporation. While with HGC, he developed guaranty products that helped addressed the mode of home ownership of millions of Filipinos - one hollow block at a time. The program - Guaranty on small loans for housing cemented his expertise in micro finance. A former banker who rose from the ranks - from being a customer service investigations officer of Citibank, to handling the international desk portfolio for cash management of BDO, his experience in banking gave him an appreciation of both consumer and commercial banking dynamics. He is a graduate of the University of the Philippines in Diliman with a Bachelor's Degree in Political Science and a Graduate Diploma in Tourism Development and Management from the same school.

As a Savings and Credit Group Manager for Area 2, one is responsible on delivering the financial and operational goals and objectives of Tagum Cooperative in the assigned area/cluster guided by existing policies and procedures in line with the Vision, Mission, Goals and Objectives of Tagum Cooperative which includes the planning, implementing, and managing the operational aspects of Savings and Credit Group. He was also a Civil Service Eligible and Certified Public Account and formerly was employed at PCU Davao and COA XI.

Mr. Crisostomo is the Branch Head of China Banking Corporation (CBC) in Davao City. In 2012 and 2020, he initiated cashless taxi transactions. In 2016, he also initiated the creation of Japanese Yen Savings Account for the CBC.

Mr. Crisostomo is one of the Board of Trustee in the Japanese Chamber of Commerce of Mindanao and an member of ECCP.