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Richard is the Chief Lending Officer at Patelco. In his role, he is responsible for managing the growth of the consumer and commercial loan businesses. Prior to joining Patelco in 2018, he held executive roles within Citibankā€™s global and North American retail banking businesses including Global Head of Personal Lending and Head of US Retail Consumer Lending. Previously he had various product management and marketing roles at American Express and the advertising agency Saatchi & Saatchi.