Stephen J. Guillaume is the Executive Vice President, Chief Financial Officer, and Treasurer of Citizens Financial Services, Inc., and its primary subsidiary, Citizens & Northern Bank. In this critical leadership position, he directs the company's financial strategy, including budgeting, forecasting, treasury operations, investor relations, and compliance with regulatory standards. Guillaume plays a key role in driving sustainable growth, optimizing capital allocation, and ensuring robust financial performance amid evolving economic conditions in the banking sector. With more than 25 years of progressive experience in financial services, Guillaume joined Citizens Financial Services in 2014 from Tompkins Financial Corporation, where he served as Vice President of Finance, managing financial reporting and analysis for multiple banking entities. Earlier in his career, he held senior roles at Northwest Bancorp and began as a public accountant with a Big Four firm. A Certified Public Accountant (CPA) and graduate of the State University of New York at Geneseo with a B.S. in Accounting, he has also completed advanced executive programs at the Wharton School of Business. Guillaume's tenure has coincided with notable achievements, including strengthening the company's balance sheet, achieving consistent dividend growth, and navigating challenges like the COVID-19 pandemic with minimal disruption. His strategic initiatives have enhanced operational efficiency, improved asset quality, and positioned Citizens Financial Services for expansion in Northeastern Pennsylvania and Southern New York. Recognized for his expertise, Guillaume contributes to industry forums and serves on the board of local financial organizations.