Andy Harmening

Andy Harmening Vice Chairman, Consumer Banking

Andy Harmening is Vice Chairman for Consumer Banking responsible for all consumer services at Bank of the West. He leads both Regional Banking, which includes Digital Channels, more than 600 branches and other retail locations, and Small and Medium Enterprise Banking, as well as National Finance, which includes Mortgage Banking, Auto, Recreational Vehicle and Marine Lending, and Consumer Card Services.

Andy also leads the Bank's retail strategy, including customer experience and segmentation, branch evolution, sales and product development.

Under Andy's leadership Bank of the West has received a number of awards and national recognition for customer service. The Bank was named one of America's most reputable banks by the Reputation Institute/American Banker, named one of Money Magazine's 2013 Best Banks in America, placed first in the ath Power Small Business Study and earned eleven Greenwich Excellence Awards in 2014.

In the area of customer experience, Andy's teams lead the strategy for customer segmentation ranging from mass market to mass affluent and small and medium-sized businesses. Today, the Bank's Small and Medium Enterprise team is consistently ranked as one of the country's top 20 lenders and a leading SBA lender. Andy also leads the design of the Bank's newest branches as well as the overall retail network and ATM strategies teams. Having overseen Deposit Product Services, Business Credit Solutions and Business Credit Management, in 2015 began leading the Bank's Home Mortgage and Digital Channels divisions as well. In addition, his teams are responsible for Retail and Small Business Incentives and Group Communications and Training.

Andy has more than 20 years of experience across product management, finance and all aspects of retail, small business and commercial banking. He joined Bank of the West in 2005, and in 2007 he was appointed to lead Regional Banking and named a member of the Bank's Executive Management Committee. His prior experience includes nine years with U.S. Bank in a succession of increasingly broad roles within the Small Business and Commercial Banking divisions. He began his career with Fifth Third Bank in Cincinnati.

Active in several outside organizations, Andy currently serves on the Board of Directors of the Consumer Bankers Association. The CBA's members, comprised of the nation's largest financial institutions, regional banks and premier service providers to banks, collectively hold two-thirds of the industry's total assets. He also serves on the Board of Directors of the Pacific Coast Banking School at the University of Washington.

Andy received his BA from DePauw University and his MBA from the University of Cincinnati. He is a graduate of the CBA/BAI Graduate School of Retail Bank Management.