Michael L. Giorgio

Michael L. Giorgio , Executive Vice President, Chief Information Officer, MVBF and MVB Bank; President of Victor, Edge Ventures and MVB Technologies

Michael “Mike” L. Giorgio brings more than 20 years of leadership experience in operations, lending,
risk, information/cyber security and technology within retail/commercial banking and Fintech organizations. At
MVB, Mr. Giorgio is focused on pulling a holistic technology approach together for the overall MVB enterprise,
including the support provided for internal projects by our technology companies, Trabian and Victor. 

Mr. Giorgio is responsible for establishing the long-term vision and developing strategies for the Information
Technology department and initiatives that support MVB’s ongoing business operations and strategic plan. He
directs the planning and implementation of enterprise systems and architecture to support business operations, with
a focus on compliance and regulatory needs. He implements IT capabilities that provide a competitive advantage for
MVB and is ultimately accountable for all aspects of the organization’s information technology infrastructure.

Prior to joining MVB, Mr. Giorgio
served as Chief Executive Officer of Kraken Bank (SPDI) and Chairman & CEO of SMC Blockchain Labs.
Previously he served as Senior Vice President and Chief Technology Officer at Metropolitan Commercial Bank
architecting innovative solutions to support a digital currency and prepaid card clientele from 2018-2020. He
also held the role of Senior Vice President and Chief Technology Officer for Laurel Road, a national lending and
banking company focused on student loan refinancing from 2016 to 2018. Before entering the national lending
space, he spent more than 10 years leading organizational transformation efforts adopting digital first
strategies including mobile/online banking, digital loan applications and online account opening.

Mr. Giorgio received his M.B.A.
from Quinnipiac University and holds a B.S. in Computer Science from St. John’s University. He also
maintains a CISSP (Certified Information Systems Security Professional) certification.