Daniel J. Geddes serves as Group Executive Vice President and Chief Financial Officer of Cullen/Frost Bankers, Inc., the parent company of Frost Bank, a position he has held since 2017. In this critical role, he oversees all financial functions, including accounting, financial planning and analysis, treasury management, tax strategy, investor relations, corporate development, and enterprise risk management. Geddes plays a pivotal role in guiding the company's strategic financial decisions, ensuring robust financial health, and supporting Frost Bank's expansion across Texas and beyond, while maintaining its reputation for prudent banking practices. Geddes joined Cullen/Frost Bankers in 2004 after a distinguished career in public accounting. Previously, he was a partner in KPMG LLP's financial services audit practice, where he advised major clients in banking, insurance, and asset management on complex regulatory and operational issues. Earlier, he honed his expertise at PricewaterhouseCoopers, building a strong foundation in financial auditing and consulting. A Certified Public Accountant, Geddes holds a Bachelor of Business Administration from the University of Texas at Austin. Under Geddes' leadership, Cullen/Frost has achieved consistent profitability, navigated economic volatility—including the COVID-19 pandemic—and executed key initiatives like digital transformation and deposit growth. His strategic oversight has contributed to the company's strong capital position, earning recognition for financial stability and shareholder value creation in the competitive regional banking sector.