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Todd Billcliff is a seasoned professional in corporate risk management, currently serving as the Director of Corporate Risk at Canandaigua National Bank & Trust since January 2023. In this role, Todd oversees Fraud, BSA/AML, Electronic Banking Risk, and Enterprise Risk Management departments. Prior to this position, Todd held the role of Assistant Vice President & Fraud Risk Officer at the same institution for a brief period in November 2019. Todd's extensive background includes nearly 12 years at Paychex, where roles ranged from Fraud & Risk Analysis Manager to Credit Risk Specialist. Todd holds a Bachelor's degree in Criminal Justice/Police Science from Roberts Wesleyan University, earned between 2001 and 2005.