Jim Costa is a seasoned financial services executive known for leading complex, enterprise-scale transformations and building resilient risk and operating frameworks across major U.S. banks. Currently serving as Executive Vice President and Chief Operating Officer at Banner Bank, he oversees a broad range of functions including information technology, loan and deposit operations, call centre management, procurement, corporate real estate, physical security, enterprise project management, card services, and appraisal management. His remit also spans compliance, BSA/AML, fraud, credit review, regulatory affairs, enterprise risk, and climate risk, as well as stewardship of community reinvestment initiatives. Previously, Jim served as EVP, Chief Risk Officer, and Chief Credit Officer at TCF Bank, a $50 billion regional institution. There, he led risk and operations across nine national and international business lines, managed a team of over 800, and played a key role in the merger-of-equals integration with Chemical Bank during the pandemic. His responsibilities included oversight of credit approval and underwriting, portfolio management, compliance, operational and cyber risk, and regulatory affairs. Earlier in his career at PNC Financial Services, Jim was EVP and Head of Enterprise Portfolio Management, where he drove strategies to optimise risk capital across the balance sheet. His scope covered capital allocation, stress testing, CECL, Basel/ICAAP, limits, pricing, ratings, concentration management, hedging, and board reporting. At Wells Fargo (legacy Wachovia), he led enterprise credit strategy for a $750 billion loan portfolio across consumer, commercial, and real estate segments, and managed the P&L of a $15 billion derivatives portfolio that generated over $1 billion in net income during the Global Financial Crisis. Jim holds a bachelor’s degree from The Ohio State University and conducted doctoral studies in economics at the University of Minnesota. He is a U.S. Air Force veteran and a published author in public finance. He also contributes to industry thought leadership as an Advisory Board Member for Moody’s Analytics and previously served in the same capacity for the Mid-Size Bank Coalition of America (MBCA).