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Craig Richards has a strong background in risk management and auditing. Craig is currently the SVP and Director of Risk Management for F&M Bank. Before joining F&M Bank, Craig held various roles at Blue Ridge Bank, including Director of Enterprise Risk and Audit, Chief Risk Officer, Director of Risk Management, and Controller. Prior to their time at Blue Ridge Bank, they worked as an In-Charge Associate at Brown Edwards and as an Internal Auditor at American Woodmark Corporation.

Craig Richards attended The University of Virginia's College at Wise from 2003 to 2007, where they studied Accounting.