Matthew Bower

Matthew Bower has a diverse work experience in the financial industry. Matthew currently holds the position of Executive Vice President & Chief Wealth Officer at Citizens & Northern Bank since February 2022. Prior to this, they worked at PNC Wealth Management for a significant period. Their roles at PNC Wealth Management include serving as a Managing Director-Market Executive, where they were responsible for various aspects of leadership and management for the Greater Georgia Wealth Management Group. Matthew also held the position of Southeast Regional Managing Director, where they oversaw the denovo build-out in multiple states and markets in the Southeast US. Additionally, they served as an SVP and Market Executive for Southwest Florida, spearheading the wealth management platform in the Naples, Sarasota, and Tampa/St. Petersburg MSA's. Before joining PNC, Matthew worked at U.S. Trust as a Senior Vice President, where they successfully established expansion markets for the company in the Florida market.

Matthew Bower has a diverse education history. Matthew first attended Florida State University from 1988 to 1991, where they obtained a Bachelor of Science degree in Political Science with a focus on Urban and Regional Planning. In 1998, they attended the ABA National Graduate Trust School and earned a degree as a Certified Trust Financial Advisor, specializing in Trust and Fiduciary Management.

Matthew furthered their education in finance and risk management by attending the Texas A&M University School of Law, where they obtained a Master of Jurisprudence degree. Their studies at Texas A&M focused on Finance and Risk Management.

Matthew also pursued executive education at the Stanford University Graduate School of Business in 2006. Matthew completed the Executive Program in Leadership, which enhanced their leadership skills and provided valuable insights for their career.

In addition to their formal education, Matthew has obtained several certifications to enhance their professional expertise. Matthew is a Certified Wealth Manager, having completed the program at the GAFM Global Academy of Finance & Management® - ISO 29990 Certified International Board of Standards in April 2021. Matthew is also a Certified Securities Operations Professional (CSOP), having earned this certification from the Institute of Certified Bankers Association in 2002. Matthew holds the Series 63, 65, and SIE certifications from FINRA, earned in August 2020. Furthermore, they are a Certified Trust Financial Advisor (CTFA) accredited by the American Bankers Association, although the specific details of when and where they obtained this certification are not provided.