Jodi L. Richard serves as Vice Chair and Chief Risk Officer of U.S. Bancorp, overseeing the company's enterprise-wide risk management framework. In this pivotal role, she leads teams responsible for identifying, assessing, and mitigating credit, market, operational, compliance, liquidity, and strategic risks across the organization. With more than 20 years of dedicated service at U.S. Bank, Richard has been instrumental in fortifying the institution's resilience amid evolving regulatory landscapes and economic volatility, ensuring alignment with stringent standards from bodies like the Federal Reserve and OCC. Richard joined U.S. Bancorp in 2003, rising through progressively senior positions in risk management, including Chief Credit Officer and Head of Wholesale Risk Management. Her career highlights include steering the bank through the 2008 financial crisis, implementing advanced stress testing models, and enhancing data-driven risk analytics during the COVID-19 pandemic. These efforts have earned U.S. Bancorp consistent top ratings in regulatory examinations and industry benchmarks for risk governance. A graduate of the University of Minnesota with a degree in finance, Richard is a recognized thought leader in financial risk, frequently speaking at industry forums and serving on advisory boards. Her strategic vision has not only safeguarded shareholder value but also positioned U.S. Bancorp as a leader in responsible and sustainable banking practices.