James Costa joined Banner Bank in 2021 as Executive Vice President and Chief Risk Officer. In this role, he is responsible for overseeing the company’s risk and compliance functions as well as the Bank’s interactions with industry regulators. He is also a member of the Bank’s Executive Management Committee. Prior to joining Banner, Costa served as Chief Risk and Chief Credit Officer for TCF Financial a regional bank (now Huntington) where he managed all credit and risk functions as well as operations. At TCF Jim managed the enterprise integration of the merger equals between Chemical Bank and TCF. Prior to TCF, Jim held executive leadership positions in risk, credit and lines of business at PNC Financial and at Wachovia Corporation (now Wells Fargo) where he was Head of Enterprise Credit Strategy. Jim earned his bachelor’s degree from Ohio State University and conducted his doctoral studies from the University of Minnesota. Jim is a veteran of the US Air Force and a published author in Public Finance. Jim is also an advisory board member for the Midsize Bank Coalition of America as well as Moody’s Analytics.