Mina Rizkalla serves as Executive Vice President and Chief Risk Officer at RBB BANCORP, the holding company for Royal Business Bank, where she leads the enterprise-wide risk management function. In this pivotal role, she oversees critical areas including credit risk, operational risk, compliance, cybersecurity, and strategic risk, ensuring the organization maintains a robust framework to navigate evolving regulatory landscapes and market volatilities. With over 25 years of experience in banking and financial services, Mina has established herself as a strategic leader committed to fostering a culture of risk awareness and resilience. Prior to joining RBB BANCORP in 2014, Mina held senior risk management positions at major institutions such as Union Bank and City National Bank, where she spearheaded initiatives to enhance credit underwriting standards and mitigate portfolio risks during economic downturns. Her notable achievements include developing advanced stress-testing models that improved capital adequacy ratios by 20% and leading compliance programs that earned her institution top marks in federal examinations. At RBB BANCORP, Mina has been instrumental in supporting the company's expansion into new markets while upholding stringent risk controls, contributing to consistent profitability and strong regulatory ratings. Mina's expertise extends to thought leadership in the industry, with publications on emerging risks in community banking and active participation in banking associations. Her proactive approach has positioned RBB BANCORP as a leader in prudent risk governance, enabling sustainable growth amid dynamic challenges.