Chief Commercial Banking Officer
Citadel Credit Union
Thomas Sebok is the Chief Commercial Banking Officer for Citadel Credit Union. With a robust background in commercial banking, Tom brings over two decades of experience in financial services, specializing in fostering relationships and enhancing customer experiences across markets. Tom joined Citadel from JP Morgan Chase, where he served as the Executive Director - Business Banking. In this role, he was accountable for the retention, expansion, and growth of Business Banking in the firm’s most densely geographic market share nationwide, Midtown Manhattan. Prior to that, Tom served as the Executive Vice President - Business Banking Territory Executive at PNC Bank, where he led a team of 317 employees in 15 states to develop and implement a commercial growth strategy to acquire new clients, expand relationships, and enhance the customer experience. In his new role at Citadel, Tom has focused on strengthening ties with our business customers and partners. His extensive experience in business banking and community relations aligns with Citadel's commitment to building financial strength in the communities we serve. Tom holds an MBA from Pace University's Lubin School of Business and a Bachelor of Arts from Montclair State. His professional journey is marked by leadership, innovation, and a proven track record of enhancing operational success and customer loyalty.
Credit unions often get overlooked as local “bit players” in the small business banking arena, but don’t be fooled: Credit unions are quickly eyeing a high-touch, member-focused approach to serve their chartered communities. The keynote will cover how credit unions can build a small business unit with advanced segmentation, sophisticated cash management suite of products, segmented, geography-based portfolio management for high-value existing members, and a holistic approach to deepening the entire relationship by winning the main operating balances. The session will also explore investing in advanced technology for account opening, tiered credit risk-based pricing strategies based on individual members, and how to use vendors and third parties to round out member solution offerings to attract small business banking customers.