Thomas Holbik has a broad background in banking, bank supervision, and risk management. He has worked for a number of banks including HSBC, Citizens Bank, Fleet Bank. Mr. Holbik’s entrance into the banking industry was as Bank Examiner for the Federal Reserve Bank of Boston. His education at Boston University includes an MBA as well as an MA and a BA magna cum laude in Economics. He has served as a Governor of the NY chapter of the Risk Management Association.