Independent Director Director Since: 2022 Term Expires: 2026 Age: 49 Board Committees Audit Cybersecurity Compliance and Payments Operations Risk (Chair), Subcommittee of Audit Committee Education B.S., Economics, Massachusetts Institute of Technology (MIT) Board Experience BAWAG Group AG, (VIE: BG) (since 2025) Santander Holdings USA, Inc. and Santander Bank, N.A. (since 2023) Altus Power, Inc. (NYSE: AMPS) (2023-2025) Board Qualifications Ms. Reich possesses extensive financial services and fintech experience, specializing in enterprise and technology-driven risk management, machine learning, artificial intelligence, data science and digital transformation. As a former executive at American Express Company, she offers the Board valuable insights into creating customer-focused digital innovation, data strategy and global expansion. Key Skills and Experiences Enterprise Risk Management Cybersecurity, Credit, Payments and Regulatory Payments / FinTech Senior Operating Leadership At ROC Partners, Ms. Reich provides strategic guidance to companies such as Clara (a B2B Latin American S&E fintech) and Medius (a B2B Sweden-based enterprise AI Platform) on risk management, data governance and analytics. She also serves on the Dean s Advisory Council for the MIT Schwarzman College of Computing. As Chief Credit Officer at American Express, Ms. Reich led risk management for Global Business Financing, Payments and Digital Experiences Group, as well as Global Merchant and Network Services Group. Her responsibilities spanned underwriting for small business and corporate cards, merchant financing, business loans, B2B payment products, working capital solutions, digital solutions, cross-border and off-card payments. She also oversaw new product launches and the acquisition and integration of fintech platforms such as Kabbage, which offered automated lending and cash-flow management tools. Ms. Reich brings deep technical expertise, acquired through her experience architecting a range of data science and machine learning services tailored to small and medium-sized businesses as Chief Data Scientist and Chief Risk Officer at Credibly. She was responsible for overseeing the entire data science and risk lifecycle, from attracting customers to algorithm development to collections management. Career Highlights ROC Partners a consulting firm specializing in risk management, credit, payments, and data science/AI-driven platforms Founder and Principal (since 2022) A merican Express Company (NYSE: AXP) a payment and card services company SVP and Chief Credit Officer (2019-2021) VP, Global Consumer Underwriting and New Deals, Products and Channels (2005-2009) Director, Global Strategic Analysis and Testing for Small Business and Middle Market (2003-2005) Credibly a fintech lending platform for small and medium-sized businesses Chief Risk Officer, Chief Data Scientist (2014-2018) Citigroup Inc. (NYSE: C) a leading multinational banking and financial services corporation Group Head, Small Business and Commercial Banking Risk (2010-2014)