Andrew J. Wise, age 59, is Senior Executive Vice President, Chief Risk Officer of Arrow Financial Corporation and Arrow Bank. Mr. Wise joined the Company in 2016 as Senior Vice President of Administration. He has more than 30 years of experience building and leading both community banks and bank-owned insurance agencies. Mr. Wise previously served as Vice President and Chief Information Security Officer for The Adirondack Trust Company and acted as Executive Vice President and Chief Operating Officer for Wise Insurance Brokers, Inc. He has extensive experience in designing, implementing and managing workflows and delivering operational efficiency. He holds a bachelor’s degree from Boston University’s School of Management.