Chris Richards is Executive Vice President and Chief Banking Services Officer at the Cape Cod Five Cents Savings Bank, a $4 billion savings bank serving Cape Cod, Martha’s Vineyard, Nantucket and Southeastern Massachusetts. In his role, Chris has responsibility for the bank’s retail branches, treasury management, municipal banking, call center, banking operations, relationship management, and payments strategy & channels. Richards serves on several payments related boards including the ABA’s Payments System Advisory Council (PSAC), The Clearing House’s RTP Business and Community Advisory committees, and Jack Henry’s Payments Advisory Board. He has also spoken on several payments panels including for the ABA, NACHA Faster Payments and Jack Henry’s annual JAC conference. Richards holds a master’s degree from The Payments Institute (NACHA) as well as the Accredited Payments Risk Professional (APRP) designation.