Alfred D. Cho is the Chief Consumer Banking Officer at FNB Corporation, a leading regional bank holding company headquartered in Pittsburgh, Pennsylvania. In this role, he oversees the company's consumer banking operations, including retail branches, digital banking platforms, consumer lending, and deposit strategies across seven states. Cho drives initiatives to enhance customer experience, expand digital capabilities, and grow market share, leveraging data analytics and innovative technologies to deliver personalized banking solutions. His leadership has been instrumental in positioning FNB as a top performer in customer satisfaction and operational efficiency within the Mid-Atlantic and Midwest regions. With more than 25 years of experience in financial services, Cho began his career at PNC Financial Services Group, where he advanced through roles in retail operations, branch management, and consumer products. Prior to joining FNB in 2014 as Executive Vice President and Head of Retail Banking, he served as Senior Vice President of Consumer Banking at another major regional bank, leading teams that successfully launched mobile banking apps and expanded ATM networks. Promoted to his current position in 2020, Cho has spearheaded transformative projects, including the integration of AI-driven fraud detection and the rollout of fee-free checking accounts, resulting in a 15% increase in consumer deposits over three years. Under Cho's guidance, FNB has earned multiple accolades, such as J.D. Power awards for customer service excellence and recognition from American Banker as a top innovator in community banking. A graduate of the University of Pittsburgh with an MBA from Carnegie Mellon University, Cho is actively involved in industry groups like the American Bankers Association and serves on the board of local financial literacy nonprofits, underscoring his commitment to both professional excellence and community impact.