Karen Crosetto has over 20 years of experience in banking operations and management. She has a proven track record of leading teams, developing innovative strategies, and ensuring regulatory compliance. Currently, she is the Assistant Vice President and Manager of Client Deposit Services at First National Bank of Pennsylvania, where she oversees overdraft programs and processes vendor relationships. Previously, she held management roles at PNC Bank, The Huntington National Bank, Sky Bank, and The Second National Bank of Warren, helping to integrate acquisitions and launch new programs. She has received numerous awards for her leadership and performance.

1. Karen Crosetto
350 Parkview Dr.
Hubbard, Ohio 44425
Phone: (330)568-4370
Email: kcrosetto@twc.com
Professional Profile:
Proven leader with a record of success in taking on new assignments.
Areas of Expertise:
 Hands on manager with highly developed skills in budgeting and financial management. Equally
strong in planning and executing sales and operational plans.
 Decisive leader with extensive experience in building teams, developing talent, and implementing
effective training and incentive programs. Highly effective at coaching and tapping the strengths
of a diverse workforce.
 Champion of new and innovative strategies and processes to increase efficiency and effectiveness
of staff and staff driven enterprises.
 Effective communicator with strong presentation skills. Able to develop productive relationships
with vendors, colleagues, clients, and staff at all levels.
Professional Experience:
2012 – present FIRST NATIONAL BANK OF PENNSYLVANIA – Hermitage, Pennsylvania
Assistant Vice President/Manager of Client Deposit Services – Deposit Operations
Manager of 2 operations areas with a total FTE count of 18. Nominated for and won a Star Power Award
in recognition for Team Innovation in 2015.
 Responsible for complete management of the bank’s Overdraft Services and Fresh Start
programs, ensuring compliance with bank policy and CFPB regulations.
 Served as Project Leader during bank’s transfer from static overdraft program to dynamic
overdraft limits, creating procedures, validating processes, and testing software. All processes
and procedures vetted to ensure compliance with internal audit findings as well as federal
regulatory guidance.
 Functions as vendor manager for bank’s third party collection agency as well as Velocity’s ILS
software. Prior vendor manager for BSG’s Courtesy Connect software.
 Responsible for monitoring all aspects of bank’s compliance with Reg. E. Received
“Satisfactory” ratings on all quarterly audits regarding this federal regulation.
 Manage the bank’s FED/NSF return processes, meeting daily processing deadlines and
balancing the EIM system for the bank.
 Team also processes affidavits of fraudulent checks, working closely with Security, and handles
IOLTA/IOTA/MAHT interest remittance process to 5 states.
 Participate in all bank/branch acquisitions by managing the plan for pre and post conversion
tasks, contributing to data and process mapping, performing end user validation, and
completing any necessary post conversion clean up.
 Serve as lead in several bank initiated projects, performing testing and validation.

2. Karen Crosetto resume………………………………………………………...………………………. page 2
2011 – 2012 PNC BANK – Sharon, Pennsylvania
Assistant Vice President/Branch Manager II – Sharon & Sharpsville Branches
Branch manager of 2 LMI offices with a total FTE count of 13.
 Manage daily operations of both branches with a primary focus on driving revenue growth,
increasing profit, and managing risk while maintaining the highest level of customer service
satisfaction.
 Manage branch P&L, with a monthly expense budget of $36,675, and maintain full
accountability for the attainment of branch monthly goals. Controllable contribution through
April 2012 is 7.89%, ranking Sharon/Sharpsville as 4-star.
 Revenue for 2011 was 3.17% above goal and expenses came in .17% below goal.
 Both branches exceeded 2011 audit goal of 86% with Sharon scoring 98% and Sharpsville 89%.
 The Sharon office was recognized as a Gallup Club 6 branch in April 2012, having achieved and
maintained Human Sigma 6 status for 2 reporting periods in a row beginning in May 2011.
Sharpsville was recognized for being a Gallup 5-star branch for all of 2011. Both branches
maintained 5-star status for Q1 2012.
 Received Branch Manager Leadership Award in April 2012 for Sharpsville being ranked #5 out
of 93 branches in outstanding customer service in the Erie/Youngstown market in 2011.
2004 – 2011 THE HUNTINGTON NATIONAL BANK – Warren, Ohio
Assistant Vice President/Section Manager 2 - Collections 2007- 2011
Deposit and checking reserve collection manager overseeing a staff of 34 FTE’s.
 Effectively managed the staff through the integration of Sky Bank into Huntington Bank by
maintaining focus and satisfactory production levels during and after the merger.
 Deposit losses for 2010 were 11.81% lower than 2009, which were 15.48% lower than 2008.
 Coordinated with Fraud, Security, Litigation, Segment Risk Officers and Retail Risk Mitigation
to strengthen bank’s position on preventing additional/recovering losses.
 Attended monthly Loss Mitigation meetings in Columbus as a sub-committee member to review
bank processes for gaps and recommend measures to close the gaps.
Assistant Vice President, Deposit Collections Manager (formerly Sky Bank) 2004 - 2007
Manager of Sky Bank’s deposit collections team as well as product manager for the bank’s
OverdraftHonor® program. Named “Operations MVP” in 2005 and 2006.
 The OverdraftHonor® program was implemented in April of 2004; responsibilities at that time
encompassed the entire creation and execution of budget, systems, policies, processes, and
procedures, as well as recruiting, hiring, training and supervising a staff of 22 FTE’s.
 Responsible for regulatory compliance with federal guidelines on overdraft protection programs
and successfully maintained bank compliance with collection regulations such as the Fair Debt
Collection Practices Act.

3. Karen Crosetto resume………………………………………………………...…………………….…. page 3
 Implemented and managed New Start, a repayment agreement program tested in the Central
Indiana region. Decision made to implement program, as summed up by SVP of Marketing and
Product Development: “…. collection efforts and management of the program are wonderful and
based on that great management we think we can do these types of modifications effectively. It is
a great compliment to the work you have done.”
 Developed all procedures and policies for the New Start program and continually monitored
processes for compliance with Reg. Z. Collected on 47% of balances enrolled during 10 month
run, surpassing industry benchmark of 43%.
 Vendor manager and contract coordinator for OverdraftPro® collection software, Accurint,
ChexSystems and Western Union SpeedPay.
 Participated in 6 bank acquisitions as Performance Team Lead, managing the plan for pre and
post conversion tasks, contributing to data and product mapping, performing end user validation,
and completing post conversion clean up.
 Maintained collection net loss to net income ratio of 8.57% in 2005 and 9.1% in 2006.
 Fee income from the OverdraftHonor® product in 2005 was $35,078,490, which was 78% of the
bank’s NSF fee income. In 2006, that number jumped to $51,777,653, which was 92% of the
bank’s NSF fee income.
Signature Card File Room Manager 2004-2006
Managed the processes for DDA, savings, and CD signature card retention simultaneous with managing
deposit collections.
 Oversaw all operational functions for the bank’s signature card file room. Managed a staff of 5
FTE’s. Integrated scanning into the bank’s processes for maintaining the cards and related
documents. Responsible for Sox404 testing on key/non-key controls. Vendor manager for
Systems Imaging scanner system and AutoSig database.
1998 – 2004 THE SECOND NATIONAL BANK OF WARREN – Warren, Ohio
Assistant Vice President/Call Center Manager/Web Administrator 2002-2004
Call Center Manager 1999-2002
Personal Banker 1998-1999
Hired in to pilot the transition from a customer based call center to a retail sales delivery channel.
Responsible for all call center operations, including staffing, sales, budget and expense control. Managed
a staff of 10 personal bankers. Promoted to Assistant Vice President, gaining the added duties of
managing new online banking system and bank website.
 Developed and implemented policies/procedures for opening accounts and applying for loans via
telephone and online banking.
 The Call Center posted $11,450,000.00 in loan sales in 2003, 142% of budget, and met 101% of
budget in deposit growth.
 Created an outbound sales annex in 2003 for cold calling with 2 FTE’s. Responsible for
compliance with Telemarketing Sales Rule and Do Not Call Registry.
 Responsible for enhancements to the online banking service, increasing online enrollment 184%
in 2003.

4. Karen Crosetto resume………………………………………………………...…………………….…. page 4
 Developed content for bank web site, which included creating a Switch Kit, developing a branch
location page with MapQuest directions, and incorporating MortgageBot and Trust Reporter
links.
 Vendor manager for online banking, online banking bill pay, telephone bill pay, web site, and
interactive voice response (IVR) systems.
 Selected to be on the Products and Pricing Committee in 2002 and 2003.
Education:
Bachelor of Science in Business Administration - Youngstown State University
Additional Training:
Dale Carnegie Training® - “Management and Human Relationships”
Commercial Law Lectures – “The Law of Checking Accounts”