2026 FRONTeras Magazine 1st Quarter Issue The 2008 crash taught Seby Haddad something most bankers never learn. Numbers are not abstract. They sit across the table. Foreclosures. Bankruptcies. Failed businesses. Families losing everything. His supervisor said it plainly: 'These are good people going through bad times.' He didn't know it then, but his role as a banker would set up a life in public service. Victor Sebastian "Seby" Haddad learned early that knowing how systems f