Renato Derraik serves as the Chief Information and Digital Officer at Live Oak Bancshares Inc., a position that places him at the forefront of the bank's technological and digital transformation efforts. With a robust background in information technology and digital strategy, Derraik has been instrumental in steering Live Oak towards becoming a more digitally advanced financial institution. His career spans over two decades, during which he has held various leadership roles that have honed his expertise in IT infrastructure, cybersecurity, and digital innovation. Prior to joining Live Oak Bancshares, Derraik accumulated extensive experience in the financial sector, working with several prominent institutions where he spearheaded major IT projects and digital initiatives. His strategic vision and technical acumen have been pivotal in implementing systems that enhance operational efficiency and customer experience. At Live Oak, Derraik's role encompasses overseeing the bank's IT strategy, ensuring the security and integrity of data, and driving the adoption of cutting-edge technologies that align with the bank's goals of growth and innovation. Under Derraik's leadership, Live Oak has made significant strides in leveraging technology to improve its service offerings and operational capabilities. His efforts have been crucial in the development and implementation of digital banking solutions that cater to the evolving needs of customers. Derraik's commitment to fostering a culture of innovation within the organization has positioned Live Oak as a leader in the fintech space, continually pushing the boundaries of what is possible in banking through technology.