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Stories

July 8, 2025

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When you first meet her, you feel her warmth—grounded, welcoming, and full of passion. With over 25 years in the banking industry, An Tran, Market Executive at Banc of California, has become known not only for her distinctive leadership but also for the deep care she gives to her family—and for her dedication as a passionate skincare and self-care advocate.

Yet behind these roles lies a journey marked by resilience—a story not only of her own, but of many Vietnamese immigrants who navigated life in a new country with hope for a brighter future and the American dream.

An Tran | SVP Market Executive at Banc of California
An Tran | SVP Market Executive at Banc of California

A Humble Beginning, A Lifelong Commitment

Banking wasn’t part of her plan at the start of her career. In fact, her first job was as a receptionist at a bank in San Francisco. But she didn’t let that humble beginning define her. Fueled by passion, relentless effort, and the sense of responsibility that came from being the eldest of eight children, she turned what she lacked in experience into unstoppable drive.

“My professional life has always revolved around service and sales, with a natural inclination to care for others, perhaps stemming from my role as the eldest of eight,” she says. 

Over the years, she took every opportunity whenever she could to learn, grow, and serve her clients better. Her work ethic and trust-building skills propelled her forward, step by step, until she eventually became the Market Executive for Banc of California—a role she holds today with pride and purpose.

A Journey Rooted in Sacrifice and Survival

By her own admission, she doesn’t have any news-breaking stories. She is simply a daughter born to Vietnamese immigrants who came to America during the 1970s and ’80s. Yet it was her generation that first began to rise out of poverty, despite arriving in the U.S. with nothing in hand. “Through relentless hard work, we’ve not only achieved the American dream but also built the lives our parents envisioned for us when they first arrived,” she reflects.

Her family’s story, like so many others, is one of hope and sacrifice. And through years of determination and resilience, she has proven the grit and strength of her community—successfully building the life her parents once dreamed of when they left Vietnam.

An Tran has successfully built what her parents imagined for their children in the US. 
An Tran has successfully built what her parents imagined for their children in the US. 

Facing Challenges with Grace and Grit 

Climbing the banking ladder over the past 25 years was no easy feat for a young woman like An. She faced unique hurdles—from skepticism to subtle sexism in the workplace.

But instead of letting those experiences hold her back, she used them as fuel to move forward.

“Every challenge throughout my life and career has been a positive force, shaping me into the person I am today,” she shares. “These experiences pushed me to find new ways to grow and overcome adversity. I believe challenges are essential for growth—without them, we can’t truly learn. Remaining a lifelong student, absorbing both small and significant lessons daily, is key. The moment you stop learning is the moment you stop achieving.”

An Tran has faced criticism with grace and determination, climbing the banking ladder step by step.
An Tran has faced criticism with grace and determination, climbing the banking ladder step by step.

Empowering the Asian Community, One Role Model at a Time

From receptionist to executive, her journey is a remarkable one. But for her, the real achievements aren’t just titles—they’re the impact she’s had on others and the example she’s set for her children, her colleagues, and her community.

“I’m incredibly grateful to be where I am today, creating the life I envisioned and providing for my family in a way my parents dreamed of when we left Vietnam. My pride extends to every step of this remarkable path,” she says. 

She’s living proof. A former refugee who arrived in America with nothing is now leading in one of the most competitive industries in the country—and doing so with compassion, integrity, and purpose.

Connect With An Na Tran 

“My goal is to be a resource for the Asian community, showing that we are strong, career-driven, and incredibly successful.”

LinkedIn: An Na T.

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Roadshow Or Small Rotation

We met our buyer at Expo West (Think Super Bowl for the Food & Beverage industry where retailers and manufacturers meet up. Super worth doing if you are in CPG. We even landed our 1st TV interview).

After Expo West, we sent more samples to the office and began negotiations for placement. We were offered two ways of being at Costco:

Roadshow

  • 4 days of selling on consignment. We could control costs by using our own people and decide the volume of product we wanted to bring in.
  • Typically, this is how small brands enter Costco. If it does well, you are offered a rotation. If you don’t do well, then it’s really hard to get into the regular set.

Small Rotation

  • We started with a number of stores and the item is part of the regular set.
  • This is harder to secure because Costco is paying for the inventory and the buyer has to believe in your product.

In both situations, it is critical that Twrl Milk Tea sells well and ideally sells out. Why is this important?

It proves to the Costco Buyer that there is a market for our better-for-you plant-based milk teas. More importantly, companies owned by Asian American small business owners like ours are proven to be great partners worth investing time in and onboarding.

Reasons For Opting for Small Rotation

After a few weeks of due diligence on our end, we decided to go with a small rotation. Our reasons were simple:

  • Our manufacturer could produce the volumes needed and in the time we needed. Not always the case in this crazy supply chain. We are made in the USA so it makes a huge difference in our speed for delivery.
  • We could handle the financial obligations to fund the inventory. It’s a lot of money upfront so it’s not a light decision for a smaller company like ours. And, there is still a chance you can be sitting on inventory if it does not sell through.
  • We are committed to Costco and wanted to be part of the regular set and did not want to take the chance that with Roadshow which is only 4 days could be a bust due to so many variables that we may not be able to control.
  • We love Costco ourselves and shop there regularly so we saw our consumers there! Did you know the typical Costco shopper is 35-44 years old, an Asian female making $125,000 and the average trip is $114?!

Roadshow which is only 4 days could be a bust due to so many variables that we may not be able to control.

-Olivia Chen

Decisions, Decisions, Decisions

What flavor to sell?

Out of our 3 flavors, we selected Taiwan-Style Black Milk Tea to launch because it’s one of our best sellers and our Taiwan-Style Black Milk Tea flavor is really unique. Our single-origin loose-leaf black tea is a one-of-a-kind varietal, sourced from a small multi-generational family farm on a misty slope, fed by sweet mountain spring water.

Our tea flavor, aroma, and health benefits are un-parallel to anything on the market. We use pea milk and lightly sweetened our teas with organic agave so our tea flavors really come through. Only 45 calories & 6g of sugar per can.

What would the packaging look like?

Packaging design and sourcing begin for Costco. Luckily for us, Pauline Ang is a seasoned graphic design guru (with 15+ years in the food and beverage packaging for Fortune 500 companies) and designs all our packaging in-house so we could save costs and time here!

How to onboard?

Mountains of paperwork for our two-person team begin. We didn’t use a broker and did everything ourselves. Yes, a broker would have been so incredibly helpful to answer all the questions that we didn’t know the answers to and definitely would have saved us some headaches.

Big Takeaways

  • Don’t be afraid to chase the account you want to be in. Don’t be shy about sharing your vision of where you see the company. Special thanks to Ryan Sung of Honolulu Cookie Company and Vincent Kitirattragarn of Dang Foods for talking to us about their journey with Costco and encouraging us to go for it.
  • It can be done without a broker but not without headaches and some huge learning curves and we did make some mistakes along the way.
  • Have an advocate. We have been super lucky that our buyer has been so incredible to work with and it’s important to have such an advocate in the company. Cannot over-emphasize this enough!
  • Your team matters. Grateful to share this journey with Pauline Ang who is such an amazing friend and business partner. We are two moms that love Milk Tea and simply wanted to make milk tea —a quintessential Asian drink that we love—even better.

Don’t be shy about sharing your vision of where you see the company.

-Olivia chen

Connect with Olivia and Pauline

Your support would mean the world to our small business and the small family farms that use sustainable practices for a tea that’s better for you, and better for the planet. Follow our journey: Instagram, Facebook, TikTok, Twitter

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