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CCM - Certified Cash Manager (CCM) - Dump Information

Vendor Name : Financial
Exam Code : CCM
Exam Name : Certified Cash Manager (CCM)
Questions and Answers : 5 Q & A
Updated On : October 12, 2018
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Financial CCM Exam (Certified Cash Manager (CCM)) Detailed Information

Certified Cash Manager (CCM)
Program Title: Certified Cash Manager (CCM)
Industry: Business / Financial
Description: The Certified Cash Manager (CCM) Program is a professional credentialing program provided by the Association for Financial Professionals (AFP) for professionals working in the field of Cash Management. It is considered the industry’s premier certification in the cash management field.
Quote From Website: “AFP’s CTP/CCM designations reflect an individual’s knowledge of corporate treasury and cash management. These designations promote ongoing career development through continuing education requirements. As such, the AFP credentials serve as benchmarks in the industry and increase the financial professional’s credibility and visibility in the workplace.
CTP/CCM designees represent corporate and governmental professionals with broad responsibilities in the treasury field. The CTP/CCM certifications also enhance customer relations for bankers, financial services and management consultants, and providers of related services.”
Tags: Certified Cash Manager Credentialing Program, CCM Credentialing Program, Cash Management Certification, CCM Training, Certified Cash Manager Training, Online Cash Manager Training, Online CCM Training, CCM Program, CCM Training
Read more from Certification DirectoryCash Management Certification, CCM Credentialing Program, CCM Program, CCM Training, Certified Cash Manager Credentialing Program, Certified Cash Manager Training, Online Cash Manager Training, Online CCM Training
Certified Cash Manager (CCM)
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The Certified Cash Manager (CCM) professional designation has been merged into the Certified Treasury Professional (CTP) certification.
The Association for Financial Professionals (AFP) oversees both CCM and CTP credentials. Before 1986, the AFP awarded the Certified Cash Manager and beginning in 2003 the CCM certification was phased into the current CTP to reflect the expanding role of treasury within corporate finance.
According to the AFP website, over 28,000 individuals have one of these two credentials.
The AFP does allow CE Providers to register as CTP / CCM providers, but does not require this registration. The registration allows for providers to feature the CTP and / or FP&A logos and prgram approval in promotional literature. While FunCPE has elected not to register as a sponsor, many of our courses do meet the CPE credit guidelines.
CTPs and CCMs are not required to obtain CPE course approvals for continuing education courses.

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CCM Certified Cash Manager (CCM)

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CCM exam Dumps Source : Certified Cash Manager (CCM)

Test Code : CCM
Test Name : Certified Cash Manager (CCM)
Vendor Name : Financial
Q&A : 5 Real Questions

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Financial Financial Certified Cash Manager

Advisors ponder The Wisest financial investment Of Their profession | killexams.com Real Questions and Pass4sure dumps

Advisors help customers make sensible investments. So it figures that they practice what they preach.

X

a hit advisors don't simply control portfolios accurately and take a look at to prefer winning stocks. In a broader feel, they invest in themselves and their business so that it will convey more advantageous carrier and speed up their increase.

Like real entrepreneurs, advisors who launch their personal enterprise have to control money movement and squeeze probably the most price from each dollar they plow returned into the company. And if they join a larger company, many still choose to invest in their education to sharpen their potential.

For Monica Dwyer, incomes her certified monetary planner designation propelled her career. in the hunt for to extend her expertise and establish herself in her field, she passed the CFP examination in 2009.

"It became a big dedication," noted Dwyer, an guide in West Chester, Ohio. "at the time, i used to be working at fidelity and that i wanted to make myself as marketable as feasible."

She estimates that she invested around $four,000 to get her CFP, youngsters her organisation reimbursed her for some of it. when it comes to time, she spent elements of pretty much 9 months within the classroom adopted by using three months of further researching for the look at various.

"It was intense," she recalled. "nevertheless it was a far better funding than my undergraduate diploma, despite the fact that you want an undergraduate degree to get a CFP."

The experience also proved an eye fixed-opener for Dwyer. through her course of look at, she received a fuller figuring out of how she might aid customers on more than a few fiscal considerations.

"It taught me there may be this complete world accessible with all these diverse areas I could pursue, from taxes to estate planning to trusts," she pointed out.

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Some advisors have fun with lengthy careers working for tremendous economic associations. Others reach some extent where they come to a decision to branch out on their own.

Tom Balcom, a certified fiscal planner in Lauderdale-by means of-the-Sea, Fla., spent over a decade in deepest wealth management before he launched his firm in 2010. He calls that move his surest knowledgeable funding.

"It was a chance to move from a pleasant, strong paycheck to no sturdy paycheck," he said. "You go from certainty to uncertainty. nevertheless it superior my excellent of lifestyles in so many ways."

as a result of Balcom had already earned an MBA diploma, he knew a way to write a business plan and assignment his prices. Such diligent planning mitigated his risk.

"I created a price range that included hire, overhead and the way a good deal i'd need to cost to live on," he recalled. "I set apart emergency discounts for money flow and made bound I might pay all my expenses."

After persevering via what he calls a "horrifying" first yr, he knew that he'd prevail over the future. nowadays, he raves about the entire merits of operating his own store: the pliability to work with a whole lot of customers, the freedom to make his own investment selections and the financial rewards of turning out to be the business.

improve Your Tech

For advisors who're all the time looking out for ways to enrich their company operation, know-how can prove a pivotal investment. finding more advantageous methods to access and carry information pays off in spades.

Sean Curley, a certified monetary planner in Greenwood Village, Colo., says some of the most useful investments over his almost 25-12 months profession as an consultant befell just remaining 12 months when he switched to an all-in-one know-how platform. prior to now, he says he grappled with at the least three separate methods.

"there were ache points, including the complexity of the software and the inability of integration," he said. "We had this disjointed patchwork of techniques."

He says the brand new, unified platform expenses $14,000 a yr, which is roughly 20% lower than what he became paying previously for numerous programs. however the cost discounts is just icing on the cake for Curley.

"Ease of use is the biggest discounts," he spoke of. "we have a extremely intuitive consumer interface" that ties in cloud-based efficiency reporting, document storage, client net portal management and customer relationship administration facets such as taking and archiving notes on customer communications.

Curley hails the new platform for helping raise his client provider. His body of workers can work more correctly as neatly, enabling him to dedicate extra time to valued clientele and fewer time hassling with tech considerations.

"With the prior methods, if a shopper referred to as we had a 5- to 10-minute system to get their efficiency historical past up on the display," he noted. "Now, we press a button and or not it's instantaneously there. So we may also be more attentive to valued clientele."

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value buyers: It’s Time to take a look at IGM monetary (TSX:IGM) and CI fiscal (TSX:CIX) | killexams.com Real Questions and Pass4sure dumps

a close up of a tall building © provided with the aid of idiot

In a world where hundreds of buyers be troubled about costs, selling excessive-can charge mutual money is a tough place to do company.

Passive investing through exchange traded cash (ETFs) has additionally gotten a nice boost during the last few years because of solid performances from the underlying indexes. Actively managed money have finished neatly too, but money without a large place in horny know-how stocks have been lapped via the competition.

as a result of this fashion away from actively managed investments, a lot of Canada’s wealth administration shares have struggled of late. CI monetary Corp(TSX:CIX) shares are down 29% over the last year, whereas IGM monetary Inc.(TSX:IGM) shares have fared a little stronger, falling some 21% during that period.

Dividend traders might as a minimum take solace in figuring out each agencies paid beneficiant dividends. just a couple of months ago, each businesses provided dividend yields of at the least 6%. however CI fiscal currently slashed its payout in half, and it’s convenient to speculate that IGM monetary might also be for the reason that a dividend cut.

That spoke of, there are causes to be bullish on these two corporations going ahead. value traders who buy today may be getting one heck of a discount.

a remodeling business

each companies are relocating faraway from the ordinary model of promoting mutual cash to retail buyers into choices which are more advantageous suitable to entice excessive web price people.

CI fiscal has its Assante Wealth management division, which makes a speciality of wealthy clients. It has additionally improved into the ETF container through purchasing First Asset, which has a few billion greenbacks beneath administration and it purchased virtual Brokers, a discount Canadian stock brokerage. These components of the business are seeing increase, while the ordinary mutual fund part of the enterprise remains hit via investor redemptions.

IGM is following the same path. It has outlined a plan where all of its traders group brokers could be required to get their certified fiscal Planner designation. The enterprise has additionally dipped its toe into the ETF area and has spent basically $650 million buying a 13% stake in China Asset management, the leading wealth manager in China.

The bottom line? whereas both of these businesses are nonetheless massive into the ordinary mutual fund company, they're each taking steps to exchange with the instances. These moves may still pay dividends down the road.

taking care of shareholders

On the floor, CI fiscal’s determination lower back in August to cut back its dividend very nearly 50% seemed fairly grim. but once we dig a little deeper things don’t look practically so dangerous.

CI economic generated about $670 million in free cash stream over its ultimate twelve months. It paid buyers some $380 million in dividends over the equal period. many of the closing free money movement went toward share repurchases.

The only change now's management is specializing in share buybacks. They accept as true with the inventory is undervalued and plan to spend as much as $1 billion purchasing back shares over the subsequent two years. If all goes in keeping with plan, CI could repurchase 20% of its shares over the next yr.

IGM continues to pay its beneficiant 6.6% dividend. It even hiked the payout a few instances because 2012. The business did repurchase some 12 million shares between 2014 and 2016, however stopped the buyback after the China Asset management deal.

The final analysis

each CI fiscal and IGM financial present an honest price at today’s fees. IGM has a trailing P/E ratio of simply over 13, whereas CI’s P/E is below 10.

personally, I selected to invest in CI over IGM for just a few different factors. The largest one is the big share buyback. I additionally like CI’s push into different property, and that i love its grime low-cost valuation. I believe the next endure market will sluggish the circulate towards only passive investing.

cost traders, take observe. It just might possibly be time to take yet another examine this struggling sector.

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fool contributor Nelson Smith owns CI monetary shares. 


Centric financial institution Appoints Timothy J. Merrell as Director of money management and Treasury services | killexams.com Real Questions and Pass4sure dumps

Centric bank Appoints Timothy J. Merrell as Director of money administration and Treasury functions

HARRISBURG, Pa., Oct. 1, 2018 /PRNewswire/ -- Centric bank has appointed Timothy J. Merrell as Senior vp, Director of money management and Treasury features. "main this effort in both our Philadelphia and Harrisburg carrier areas, Tim Merrell's 20 years of journey and success in industrial banking, retail banking, and money administration make him the perfect companion for our becoming business valued clientele," says Patricia (Patti) A. Husic, President & CEO of Centric financial institution and Centric financial agency (OTC pink: CFCX).

Centric Bank has appointed Timothy J. Merrell as Senior Vice President, Director of Cash Management and Treasury Services.

"As we continue to build out our crew in new Philadelphia regions and with deeper features to raise cash management for companies, we looked for a powerful, skilled leader. Tim become now not only probably the most certified candidate, he changed into a true cultural fit for our company," says Husic. "Our services a ways exceed monetary transactions, and we make use of individuals who want to be a part of an establishment with goal, who need to work with colleagues who believe like family unit. With tendencies towards touchscreen cash counters and visibility of money-connected records, Tim's sales and help crew will no longer simplest valued clientele on vital money administration alternatives, but function a banking aid for our communities."

"Centric financial institution's growth trajectory during the last ten years, their leadership in neighborhood banking, their provider to small business consumers and robust community relationships, and their track listing of dependable, seasoned-company increase is energizing. They give leading highway the materials they deserve to compete nationally and past," says Merrell. "i am privileged to join the Centric group and seem to be forward to adding price to develop, support, and sustain our enterprise customers and lead Centric into new Philadelphia market areas."

Merrell earned his BS in business Administration from Peirce faculty, Philadelphia, PA, and holds a licensed Treasury professional designation from the association for financial experts and a licensed payments expert designation from the digital Transactions association.

"Our industrial capabilities sector is foundational to our increase, and Tim has the experience, ambition, and collaborative spirit to steer our team in suburban Philadelphia and central Pennsylvania," says Husic.

ABOUT CENTRIC monetary employer AND CENTRIC financial institution An American Banker 2018 most reliable financial institution to Work For, three-time foremost locations to Work, and accurate 50 quickest-growing organizations for six years, Centric financial institution is headquartered in south important Pennsylvania with property of $720 million and is still the leader in biological loan growth in principal Pennsylvania. A in the neighborhood owned, in the community loaned neighborhood bank, Centric bank offers incredibly competitive and seasoned-increase monetary functions to groups, experts, people, households, and the health care business. Centric bank ranks #8 in approved SBA 7(a) loans in the Commonwealth of Pennsylvania as of June 30, 2018, and ranked #a hundred and ten in SBA 7(a) personal loan quantity within the u.s. at the conclusion of 2017. 

established in 2007, Pennsylvania-based Centric bank has economic facilities determined in Harrisburg, Hershey, Mechanicsburg, and Camp Hill, mortgage creation offices in Lancaster and suburban Philadelphia, and an Operations and govt workplace campus in Hampden Township, Cumberland County. To learn more about Centric financial institution, name 717.657.7727 or consult with CentricBank.com. connect with them on Twitter, fb, LinkedIn, and Instagram.

Centric economic organization is traded over-the-counter (OTC-crimson) with the ticker symbol CFCX.

Contact: Anne Deeter GallaherTel. 717.580.4856adg@deetergallahergroup.com

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supply Centric economic supplier, Inc.


CCM Certified Cash Manager (CCM)

Study Guide Prepared by Killexams.com Financial Dumps Experts


Killexams.com CCM Dumps and Real Questions

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CCM exam Dumps Source : Certified Cash Manager (CCM)

Test Code : CCM
Test Name : Certified Cash Manager (CCM)
Vendor Name : Financial
Q&A : 5 Real Questions

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EHNAC Appoints Three New Commissioners to Governing Body | killexams.com real questions and Pass4sure dumps

June 13, 2017 08:10 ET | Source: EHNAC

FARMINGTON, Conn., June 13, 2017 (GLOBE NEWSWIRE) -- The Electronic Healthcare Network Accreditation Commission (EHNAC), a non-profit standards development organization and accrediting body for organizations that electronically exchange healthcare data, today announced the appointment of three new commissioners to assist in the management and control of the Commission. Joining a team of 13 existing EHNAC commissioners from both private and public organizations, the following three industry leaders will serve EHNAC for two-year terms:

  • Bill Alfveby, vice president and chief information security officer, Surescripts;
  • Priscilla Holland, senior director, NACHA; and
  • Karly Rowe, vice president of product management, fraud & identity management, Experian Health.
  • “The addition of three well-respected industry stakeholders to EHNAC’s driven Board of Commissioners strengthens our ability to fully represent the industry and continue to establish standard criteria and accredit organizations for security, confidentiality, accountability and efficiency that electronically exchange healthcare data,” says Debra Hopkinson, vice president of operations for EHNAC. “We look forward to the valuable guidance that Bill, Priscilla and Karly bring to EHNAC as we continue to set the foundational requirements for measuring an organization’s ability to meet federal and state healthcare reform mandates in an ever-evolving healthcare landscape.”

    Bill Alfveby is chief information security officer (CISO) for Surescripts. Prior to joining Surescripts, he worked for more than 20 years in information technology and enterprise risk management with a focus on information security and privacy. Most recently, Alfveby was the deputy CISO for a Fortune 25 company in the healthcare sector where he led their strategy, planning and execution teams. Before that, he was a management consultant for technology, security and risk leaders who were striving to build or mature risk management programs such as security, privacy, and third-party management. Alfveby started his career as a technologist leading application development teams and efforts for a range of companies from start-ups to Fortune 100.

    Priscilla Holland is the senior director of healthcare and industry verticals for NACHA. As senior director, she leads NACHA's healthcare payments program and works on other payments and remittance information and standards projects. Previously at NACHA, Holland led NACHA's international programs. She has more than 20 years of experience in cash management, project management and product development. Prior to joining NACHA in 1996, Holland was a vice president and senior product manager for First Interstate Bank. She is an Accredited ACH Professional (AAP) and a permanent Certified Cash Manager (CCM).

    Karly Rowe, vice president of product management, fraud & identity management, is responsible for Experian Health’s Fraud and Identity solutions, which help healthcare organizations match, manage and protect identities across the ecosystem. She is also responsible for finding new ways to leverage Experian’s data and analytics expertise to develop and deliver new, innovative solutions to the healthcare industry. Rowe has been with Experian for six years and holds a bachelor’s degree in marketing management and retail management from Syracuse University and a masters of business administration from Arizona State University.

    For more information on EHNAC’s Officers and Commissioners, visit the EHNAC website.

    About EHNAC The Electronic Healthcare Network Accreditation Commission (EHNAC) is a voluntary, self-governing standards development organization (SDO) established to develop standard criteria and accredit organizations that electronically exchange healthcare data. These entities include accountable care organizations, data registries, electronic health networks, EPCS vendors, e-prescribing solution providers, financial services firms, health information exchanges, health information service providers, management service organizations, medical billers, outsourced service providers, payers, practice management system vendors and third-party administrators. The Commission is an authorized HITRUST CSF Assessor, making it the only organization with the ability to provide both EHNAC accreditation and HITRUST CSF certification.

    EHNAC was founded in 1993 and is a tax-exempt 501(c)(6) nonprofit organization. Guided by peer evaluation, the EHNAC accreditation process promotes quality service, innovation, cooperation and open competition in healthcare. To learn more, visit www.ehnac.org, contact info@ehnac.org, or follow us on Twitter, LinkedIn and YouTube.

    Press contact information: Dave Anderson for EHNAC Anderson Interactive, 252-715-4767 dave@andersoni.com

    Is Trust the next “Killer App”? | killexams.com real questions and Pass4sure dumps

    August 12th, 2010 at 11 AM

    How does one assure trust in Cyberspace? As citizens, government, and business enterprise increase the amount of information that is shared online, fundamental questions arise around security requirements, data and identity management, and infrastructure. Trusted online environments can reduce costs, expand services, and are critical to protecting how, and to whom, information is shared. Securing identities in transactions is an essential component to building trusted online systems and a critical priority for both business and government. As online information sharing and collaborative services evolve between people and technologies, will trust emerge as the next “Killer App”?

    Panelists:John Clippinger– Senior Fellow, Berkman Center for Internet & SocietyDr. Jeff Voas– Computer Scientist, National Institute of Standards and TechnologyHilary Ward– Director, Global Head of Managed Identity Services, Citi Global Transaction Services

            Insight by the Anomali: Justice Department, DODIN, DHS and IT-ISAC explore cyber threat intelligence in this free webinar.

    Moderator: Michael Farber -Senior Vice President, Booz Allen Hamilton

    About the Panel:

    Michael A. Farber — MODERATORSenior Vice PresidentTechnology Team, IT Strategy, Architecture & Innovation

    Michael Farber, a Senior Vice President with Booz Allen’s IT business, has over 25-years of experience providing IT strategy, management, architecture, and design services to commercial and public sector organizations. He and his team serve Federal government oversight institutions and Cabinet-level agencies, as well as commercial clients across the health, energy, and consumer products, and media industries. Most recently, Mr. Farber established and leads IT strategy, architecture, and design teams focused on delivering IT services across the Energy, Health, and Global Development communities, and he continues to advise executive clients working within a broad range of Federal Civilian, Defense, and National Security agencies.

            OPM announces first batch of civil service changes, ‘more to come’

    Michael received the Federal 100 Award for his EA work and impact across the federal government, and is a frequent keynote and panel speaker on contemporary IT topics and issues. Michael also is helping to lead Booz Allen’s IT Strategy and Architecture & Design Centers of Excellence. He attended Columbia University, where he graduated with a MPA in public policy and administration.

    John H. ClippingerSenior FellowBerkman Center for Internet & Society

    John Henry Clippinger is founder and Co-Director of The Law Lab (www.lawlab.org) at Harvard University, a new multi-disciplinary center founded to research the role of social, neurological, and economic mechanisms on the role of law in facilitating cooperation and entrepreneurial innovation. One goal of The Law Lab is to develop an open governance platform to enable innovation in governance mechanism to further new forms of private law, self-governance and the formation of digital institutions. Dr. Clippinger was also a Senior Fellow at the Berkman Center where he helped found and support the development of an open source, interoperability identity framework called Project Higgins (www.eclipse.org/higgins) to give people control over their personal information. He is the author of A Crowd of One: The Future of Individual Identity (Perseus, Public Affairs, 2007). Previously, he was Director of Intellectual Capital, Coopers & Lybrand and the founder and of several software companies. He also consults with Equifax, and other companies, foundations, and government agencies on technology, policy and business strategy.

    Dr. Clippinger is a graduate of Yale University and holds a Ph.D. from the University of Pennsylvania. He is a frequent participant at The Highlands Forum, The Aspen Institute, The CEO Leadership Institute of Yale School of Management, Creative Leadership Summit, Aspen Institute Italy, Fortune Brainstorm, Arab Thought Leadership Conference, World Economic Forum, Supernova, Diamond Exchange, TII/Vanguard, and The Santa Fe Institute Business Network.

    Dr. Jeff VoasComputer ScientistNational Institute of Standards and Technology

    Jeffrey Voas is a computer scientist at the National Institute of Standards and Technology (NIST) in Gaithersburg, MD. Before joining NIST, Voas was an entrepreneur and co-founded Cigital (1992). After 13 years at Cigital, Voas accepted a director position at Science Applications International Corporation (SAIC) and was named an SAIC Technical Fellow (2005-2009). He has served as the IEEE Reliability Society President (2003-2005, 2009-2010), and serves as the IEEE Computer Society’s Second VP (2010). Voas is IEEE Division VI’s Director-Elect (2010).

    Voas co-authored two John Wiley books (Software Assessment: Reliability, Safety, and Testability [1995] and Software Fault Injection: Inoculating Software Against Errors [1998]), is currently an Associate Editor-In-Chief of IEEE’s IT Professional magazine, and is on the editorial board of IEEE Computer Magazine. He was one of two people named IEEE Reliability Engineer of the Year in 2000. He received two U.S. patents and has over 170 publications. Voas received his undergraduate degree in computer engineering from Tulane University (1985), and received his M.S. and Ph.D. in computer science from the College of William and Mary (1986, 1990 respectively). Voas performed a two-year post-doc for the National Research Council (1990-1992). Voas is a Fellow of the IEEE.

    Hilary WardDirectorHead of Managed Identity ServicesCiti Global Transaction Services

    Hilary L. Ward is a Director and the Global Business Head for the industry leading – Citi® Managed Identity Services and the co-head of the Client Onboarding re-engineering program. She has a 22 year track record of results driven experience in the financial services industry.

    In this role, she is responsible for creating a sustainable global identity business strategy that generates new revenue, expands core banking application opportunities and enriches our customers’ experience while adding value. Additionally, she is responsible for leading a new Greenfield opportunity chartered to modernize and revolutionize the bank account management process, known as eBam. Prior to this position, she developed and launched innovative strategic capabilities, including Citi’s award-winning Treasury Vision® web-based solution.

    Hilary joined Citi in 1999, prior to that, she spent 12 years at First Union National Bank and CoreStates Financial where she held key roles in Global Cash Management. Hilary has more than 20 years of commercial banking experience in treasury management, relationship management, sales and operations.

    Hilary has spoken professionally at numerous industry related conferences on key topics affecting treasury management. She is a 1988 graduate of the University of Pennsylvania where she earned a BA in Communications. Hilary is also a permanent Certified Cash Manager (CCM).


    New Head of C&I Lending at Bankwell | killexams.com real questions and Pass4sure dumps

    This post was contributed by a community member.

    For more information, contact Diane Knetzger at (203) 652-6319

    New Head of C&I Lending at Bankwell

    Paul F. Larsen has joined Bankwell as SVP, Head of C&I Lending, it was announced by Heidi DeWyngaert, Bankwell EVP and Chief Lending Officer. In his new role, he will be responsible for leading the Bankwell C&I lending team to develop and manage middle market and small business lending relationships.

    Larsen brings more than 30 years of hands-on experience in commercial lending to Bankwell, with expertise in the areas of business development, relationship management, strategic planning, corporate finance, commercial finance and commercial leasing. He was most recently Managing Director & Regional Market Executive, Commercial Banking, at Santander Bank, serving Southern New England.

    Notes DeWyngaert, "We are extremely pleased to be adding Paul to our business lending team. With his extensive background in commercial lending and specifically lending to small and medium size businesses for their commercial and industrial needs, he will be an exceptional resource for the Bank and its customers."

    Larsen graduated Cum Laude from Rochester Institute of Technology and earned a Master of Business Administration, Cum Laude from the University of Bridgeport. He is a Certified Cash Manger, CCM (Certified Treasury Professional). He lives in Newtown, Connecticut with his wife.

    Bankwell is a community bank that serves the banking and lending needs of residents and businesses throughout Connecticut. More about Bankwell can be found at mybankwell.com.

    Get the New Canaan newsletterSubscribe

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