Michael Marcucci, with over 30 years of experience in credit risk, audit, and management, specializes in commercial real estate, C&I, portfolio analytics, compliance, and systems implementation. He holds an MBA in Finance, Credit Risk Certification, and is a Certified Internal Auditor. A published author and sought-after speaker, he completed executive education at Boston University and Harvard. He has held senior leadership roles at FleetBoston, Santander, GE Capital, and Webster Bank. Currently, he consults on using AI to enhance bank decision-making, focusing on sound risk management and efficient, profitable credit decisions aligned with a bank’s risk appetite.