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Paul Happach, PMP, serves as the SVP and Director of Product & Digital Transformation at Santa Cruz County Bank since January 2022, overseeing product management, project management, and vendor management. Prior roles include SVP, Product and Digital Transformation Manager at the same bank and SVP, Program Management Director at Pacific Mercantile Bank, where standards for enterprise project execution were established. Experience at Rabobank, N.A. included senior management positions focusing on electronic and online banking products, contributing to departmental expansion and award-winning system replacements. Earlier career stages involved management roles at BNY Mellon and Far East National Bank, where Paul Happach led electronic banking initiatives and internal development projects. Paul Happach holds a B.S. in Mathematics, Applied from California State University, Los Angeles.