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Chrystina (Tina) M. Giorgio is president and CEO of ICBA Bancard®, the largest credit card program exclusively for the nation’s community banks. She joined the company in 2016 and focuses on developing strategies to leverage the brand among current and new customers.

Giorgio has more than 36 years of experience and is a former community banker, who served in senior leadership roles for nearly two decades at Sandy Spring Bank in Maryland, most recently as senior vice president of deposit operations and digital delivery. Her expertise also includes payment systems, digital banking, risk and fraud, vendor management, marketing, and client service. In addition, Giorgio has served on several boards and committees with the Federal Reserve, NACHA, Visa, FIS, ABA and other industry organizations.

Giorgio holds a Bachelor of Science in Business Management from the University of Maryland University College and a Master of Business Administration from UMass Amherst. She has also completed graduate work at the BAI program in Operations and Technology Management for Banking and Financial Services at Vanderbilt University and Stonier Graduate School with a Wharton Leadership Certification. She has been an Accredited ACH Professional (AAP) since 1993. She is currently pursuing her doctoral degree in Business Administration from Liberty University.