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Melissa Richards has a strong work background in the banking industry, with experience in various roles and responsibilities. Melissa currently serves as the Chief Data Officer at Renasant Bank since November 2022. Prior to this, they worked as the Director of Operations Efficiency at Renasant Bank from September 2020 to November 2022. Before that, Melissa served as the Director of Loan Review at Renasant Bank from February 2019 to September 2020. Melissa also held the position of Senior Corporate Operations Officer and Senior Vice President at Renasant Bank from January 2013 to February 2019, as well as the Loss Share Reporting Manager and Senior Vice President from July 2010 to January 2013. In addition to their time at Renasant Bank, Melissa worked at Crescent Bank & Trust Company as the Internal Audit Manager and Risk Officer, Senior Vice President from May 2005 to July 2010. Prior to that, they served as the Internal Auditor and Loan Review Officer at Jasper Banking Company from June 2000 to May 2005. Melissa began their career as the Director of Finance at the City of Jasper, GA from August 1999 to June 2000 and worked as an Auditor and Accountant at Hensley, Land & Associates, PC from March 1997 to August 1999.

Melissa Richards holds a Bachelor's of Business Administration degree in Accounting from Georgia State University - J. Mack Robinson College of Business. In addition, they have obtained the certification of Chartered Global Management Accountant from AICPA in February 2012. Melissa also has a certification in Certified Public Accountant. However, the specific institution and the month and year of obtaining this certification are not provided.