John Klimowich serves as the Executive Vice President and Chief Risk Officer at Columbia Financial Inc., a position he has held since joining the company in 2019. In his role, Klimowich is responsible for overseeing the company's risk management strategies, ensuring compliance with regulatory standards, and safeguarding the financial stability of the organization. His leadership has been instrumental in strengthening Columbia Financial Inc.'s risk management framework, allowing the company to navigate the complexities of the financial industry effectively. Prior to joining Columbia Financial Inc., Klimowich amassed extensive experience in the financial sector, holding various leadership positions at prominent institutions. He spent over two decades at TD Bank, where he last served as the Senior Vice President and Chief Operational Risk Officer. During his tenure at TD Bank, Klimowich played a key role in developing and implementing robust risk management policies that contributed to the bank's growth and stability. His expertise in operational risk, compliance, and regulatory affairs has been widely recognized within the industry, earning him a reputation as a trusted and strategic leader. Klimowich's educational background further complements his professional achievements. He holds a Bachelor of Science degree in Business Administration from Villanova University and an MBA from Drexel University's LeBow College of Business. His commitment to continuous learning and professional development has enabled him to stay at the forefront of industry trends and best practices. As EVP and Chief Risk Officer at Columbia Financial Inc., Klimowich continues to drive the company's success by fostering a culture of risk awareness and proactive management, ensuring the long-term resilience and growth of the organization.