Chief Banking Officer of the Company and the Bank since May 2025. Prior to his role as Chief Banking Officer, Mr. Moroz served most recently as Head of Deposits and Payments for the Bank since June 2023, providing oversight of all deposit functions including deposit product management, strategy, and operations. Previously, Mr. Moroz served in key leadership roles at the Bank, including Head of Operations and Head of Product, where he led operational priorities for the Bank as well as next-gen banking initiatives. Prior to joining the Bank, Mr. Moroz was Vice President of Retail Deposits for Barclaycard US, Senior Director of Retail Banking for Sallie Mae, Vice President of Marketing at JP Morgan, and Senior Manager of Product and Marketing at ING Direct US. Over the course of his career, Mr. Moroz has become an expert in the online banking arena where he helped to secure billions of deposits for his companies funding needs. Mr. Moroz serves on the board of directors for Anatomy Financial, Inc. and Girls Leadership Academy of Wilmington (GLOW). Mr. Moroz holds a Bachelor of Arts degree from the University of Delaware.