Gary A. Pacos was named Senior Vice President, Chief Risk Officer of the Bank in February 2023. Previously, he worked at Bank OZK serving as the Chief Compliance Officer since 2020. Prior, Mr. Pacos served as Senior Vice President, Compliance Executive for Fair & Responsible Banking, Risk Evaluation & Assurance, overseeing Fair Lending and Compliance testing at KeyBank from 2016 to 2020, and as Chief Compliance Officer and Senior Vice President, Director of Corporate Compliance and Ethics at First Niagara Bank, N.A. from 2010 to 2016. Earlier, Mr. Pacos served as Vice President, Deputy Chief Compliance Officer, Compliance Testing Manager at M&T Bank from 2006 to 2010. Mr. Pacos began his career in varying roles related to Compliance, Consumer Credit, Audit and Operations roles at HSBC Bank USA, N.A. Mr. Pacos has held board positions on the American Bankers Association’s Regulatory Compliance Schools, and National Compliance Conference. In addition to his banking career, Mr. Pacos served our country in the United States Army as a Senior Army Aviator rising to the rank of Major, and remained in the New York Army National Guard until his retirement in 2008.