Mr. Falzone is a life-long resident of the Tampa Bay area and a graduate of the University of South Florida, where he received a bachelor’s degree in chemistry and a master’s degree in business administration with an emphasis in accounting. Upon graduation, he served as an officer in the United States Marine Corps before entering the banking industry. His banking career spans 33 years, and he currently holds the position of Executive Vice President and Chief Risk Officer. Mr. Falzone is a certified public accountant and holds a degree from the Louisiana State University School of Banking of the South. He is an active gardener, growing much of his own fruit, and holds a second degree black belt in the Korean martial arts of taekwondo and hapkido.