James K. Ciroli — CFO, Executive VP, CFO of Flagstar Bank and Executive VP of Flagstar Bank at Flagstar Bancorp

Mr. James K. Ciroli serves as Chief Financial Officer and Executive Vice President at Flagstar Bank, FSB. Mr. Ciroli has been the Chief Financial Officer and Executive Vice President at Flagstar Bancorp Inc. since October 2014 and August 4, 2014, respectively. Mr. Ciroli has been Chief Financial Officer of Flagstar Bank since October 2014. He is responsible for the Accounting, Financial Planning/Forecasting, Investor Relations, Tax and Treasury Departments at Flagstar Bancorp Inc. He served as Principal Accounting Officer of Flagstar Bancorp Inc. He has nearly 30 years of experience in banking and financial services in various financial roles. Before joining Flagstar in August 2014, Mr. Ciroli served as Senior Vice President and Corporate Controller at First Niagara Financial Group Inc., where he was responsible for accounting, accounting policy, treasury and capital markets operations, SEC and regulatory reporting, Sarbanes-Oxley control coordination, sourcing and taxes. He served as Principal Accounting Officer of First Niagara Financial Group from February 25, 2014 to August 01, 2014. Prior to First Niagara, Mr. Ciroli was at Huntington Bancshares Inc. and at KeyCorp in various managerial roles of increasing responsibility. He began his career at Deloitte & Touche.