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Jennifer Cowherd possesses a diverse background in financial services and operations management, currently serving as a Financial Services Representative at F&M Bank since October 2021. Previous experience includes roles in accounts payable at Lee Building Products and a 17-year tenure at Heritage Bank USA, where Jennifer progressed from Teller Customer Service to Deposit Operations Manager. Early career experience at Southern States Cooperative as a Sales Clerk highlights a solid foundation in customer service and retail. Jennifer completed education at Hopkinsville High School from 1994 to 1998.