Dimitar A. Karavlanov is the President, Chief Executive Officer, and Director of Community Financial System, Inc. (CFSI), a diversified financial holding company and the parent of Community Bank, N.A., one of the largest banking franchises in Upstate New York. Appointed to these roles in October 2019, Karavlanov leads the strategic direction of the $60 billion asset organization, overseeing operations across retail and business banking, wealth management, insurance, and employee benefits services. His tenure has emphasized organic growth, digital innovation, and customer-centric strategies, positioning CFSI as a resilient player in the regional banking sector. With more than 25 years of experience in financial services, Karavlanov brings a proven track record from senior leadership positions at global institutions. Prior to CFSI, he served as Executive Vice President and Head of U.S. Retail Banking and Wealth Management at HSBC Bank USA, N.A., where he managed a $20 billion deposit franchise, drove digital transformation initiatives, and enhanced customer engagement across 150 branches. Previously, at Citizens Financial Group, he was President of Consumer Banking for the Northeast region, leading teams that generated substantial revenue growth and operational efficiencies during a period of post-merger integration. Karavlanov's achievements include spearheading HSBC's retail banking turnaround amid regulatory and economic challenges, as well as fostering CFSI's expansion through de novo branches and strategic acquisitions. A graduate of the University of National and World Economy in Sofia, Bulgaria, with an MBA from Babson College, he combines international perspective with deep U.S. banking expertise to advance CFSI's commitment to community-focused banking and sustainable profitability.