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As Chief Risk Officer, Bill is responsible for assessing and managing the risks facing the bank including credit, operational and compliance risks. Bill has over 35 years of industry experience in a variety of lending, credit and operational roles. Having just joined the Company in April 2022, Bill most recently served as the Chief Operating Officer and Chief Credit Officer for Atlantic Community Bankers Bank, having been employed there for the past sixteen years. His experience also includes senior lending and credit roles at Waypoint Bank and running the Corporate Banking division for PNC Bank in the Central Pennsylvania market. Bill has a BA from Hamilton College and extensive post graduate course work in accounting at Villanova University.