In this episode, Roy Chiovari shares how he’s helping redefine what it means to be a banker in today’s world — moving beyond transactions to the art of personalized private banking at Citizens Private Bank.
Drawing on his early credit training and experience at Wells Fargo, Roy explains how that foundation shaped his holistic approach to serving clients. His team functions as a single, lifelong point of contact for business owners and real estate investors—simplifying everything from day-to-day banking to long-term financial strategy.
For busy entrepreneurs, Roy’s mission is clear: eliminate banking “brain damage” through responsive, remote-friendly, full-service support. He also highlights why deposits—not just loans—reveal the depth of a client relationship, and how referrals from satisfied clients have become the cornerstone of his thriving practice.
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https://linkedin.com/in/ryanpatryckKey Chapters:
0:00 - Introduction
0:42 - Chicago Roots
1:53 - Credit Training
5:48 - From Transactional to Relational
7:16 - What is Private Banking?
9:18 - Holistic Client Care
12:47 - Avoiding Banking Brain Damage
17:50 - The Power of Deposits
19:42 - Exiting a Business
20:30 - Owner-Occupied Real Estate
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