As Senior Vice President and Chief Risk Officer for Ulster Savings Bank, located in Kingston, NY, Philip is responsible for oversight of all Bank risk management functions, including the Bank’s Legal and Compliance departments; He also serves as the Chief Information Security Officer. Philip previously served as Vice President and Risk Manager at Bankwell in Bridgeport, CT, as First Vice President and Audit/Compliance Officer at Naugatuck Valley Savings and Loan in Naugatuck, CT, and as Senior Attorney with the FDIC. He holds a Master of Business Administration degree from the University of Rhode Island, a Juris Doctorate from the University of Houston, and a Bachelor of Arts degree in Economics from Tulane University.