Monica Toby

Serving: Volusia & Flagler Counties Cell: 386-853-0675 Email: monicat@sccu.com

As the Business Advisor for Volusia and Flagler counties, Monica recognizes that small businesses are the backbone of our economy, driving job creation, community growth, and innovation. She is passionate about guiding business members through every stage of their journey: understanding where they are today, building a plan for tomorrow, and executing strategies that create efficient, profitable businesses.

With more than eight years of experience in both consumer and business banking, Monica brings valuable expertise and a strong commitment to helping members succeed. She is proud to serve as a financial watchdog for our business members who are seeking long-term growth and stability.

A proud Florida native, Monica enjoys traveling, spending time with her family, and reading when she is not working to strengthen the financial health of our business members.

Professional Designations:

• Certified Business Consultant (AASBC) 
• Master of Business Administration (MBA)