Raymond E. Chandonnet was appointed to serve on the Board of Directors of Kearny Financial and the Board of Directors of Kearny Bank in 2015. He is the founder and sole practitioner of BankStrategies.net, an advisory company he started in 2014 that provides balance sheet and technology strategy consulting to banks, credit unions and FinTech/BankTech companies. From 1992 to 2014, Mr. Chandonnet served as head of Bank Balance Sheet Strategy for Sandler O Neill & Partners, JPMorgan Securities, Lehman Brothers, First Union Capital Markets and FHLB Boston. The roster of banking-related clients he has worked with over his career includes banks and credit unions, Federal Home Loan Banks, regulators, public accounting firms and FinTech companies. Mr. Chandonnet has been a frequent publisher and speaker on a wide range of issues related to bank financial management and technology utilization. He holds a Masters of Science in Data Science from Merrimack College in North Andover, MA, a Masters of Science in Finance from Bentley University in Waltham, MA, and a Bachelor s Degree in Computer Science from Merrimack College. He also serves on the Board of Advisors for the School of Engineering and Computational Sciences at Merrimack College. Mr. Chandonnet s background brings a strong understanding of accounting, regulatory and tax issues to the Board along with his beneficial knowledge of balance sheet structure and strategies and his familiarity with information technology and FinTech.