Mark Ruggiero serves as Executive Vice President and Chief Financial Officer (CFO) of Independent Bank Corp., a Massachusetts-based regional bank holding company, while also overseeing the Consumer Lending division as EVP. In this pivotal role, he directs the bank's financial strategy, including planning, reporting, treasury management, investor relations, and risk oversight, alongside spearheading growth in consumer lending products such as mortgages, home equity loans, and personal lines of credit. With more than 25 years of experience in banking and financial services, Mark's leadership ensures robust fiscal discipline and supports Independent Bank's commitment to community-focused banking. Prior to joining Independent Bank in 2018, Mark held senior positions at Santander Bank, N.A., most notably as Senior Vice President and Controller, where he managed financial reporting, regulatory compliance, and Sarbanes-Oxley processes for a multibillion-dollar institution. His earlier career included key roles in treasury and finance at Citizens Bank and FleetBoston Financial, where he played a central role in mergers and acquisitions, capital planning, and operational integrations. Notable achievements include driving multimillion-dollar cost efficiencies and leading successful post-merger financial consolidations that strengthened balance sheets during economic transitions. Under Mark's stewardship at Independent Bank, the organization has achieved consistent profitability, navigated challenges like the COVID-19 pandemic with prudent liquidity management, and expanded its consumer lending portfolio amid competitive markets. A Certified Public Accountant (CPA) and graduate of Northeastern University with a Bachelor of Science in Finance, Mark is recognized for his strategic foresight and dedication to fostering sustainable growth and shareholder value.