John Spencer

John Spencer currently serves as Chief Retail Officer at NVE Bank since February 2017 and simultaneously holds the position of Chief Operations and Technology Officer at Carver Federal Savings Bank, where responsibilities include overseeing enterprise operations and technology, leading core banking platform conversions, and developing new delivery channels. Previous experience includes various roles at JPMorgan Chase from January 1994 to November 2008, where John Spencer managed branch networks, executed P&L responsibilities for multiple branches, and led operational management across a large-scale retail banking network. John Spencer holds a B.A. in Banking and Finance from Pace University, earned between 1984 and 1987.