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2024 Business Owner Report

This year’s survey explores the perspectives, aspirations and outlooks of small and mid-sized business owners across the U.S.

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As a Senior Business Relationship Manager, Jenn Huguenard leads a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions. Jenn and her team are dedicated to helping business owners and their finance teams by taking a deep dive into businesses’ operations and cash flow cycles and assessing industry risks and opportunities to present a comprehensive suite of commercial banking solutions to lower costs, increase profitability, address resource constraints, and drive operational efficiency. Jenn’s mission is to help companies across Northeast Florida thrive by achieving their business goals, no matter how simple or how complex.

Born in Indiana, Jenn grew up in a family of business owners and learned first-hand the value in having a strong banking partner. She began her banking career with JP Morgan Chase in Indiana in 2012 and relocated with the firm to Jacksonville in 2014 to help build out a new market. Since 2014, Jenn has served mid-sized companies throughout Northeast Florida to support their commercial banking needs. Impressed with Bank of America’s local market presence in Jacksonville, including local leadership, local credit underwriting, and a dedicated team of local partners, Jenn joined the bank in 2022.

To help create a more sustainable future for the companies and communities she serves, Jenn volunteers with several not-for-profit organizations including Junior Achievement, the Clara White Mission, the Ronald McDonald House, and Hunger Fight. Jenn is actively involved with the Jacksonville Chamber and First Coast Manufacturer’s Association. Within the bank, she serves as a mentor for teammates across Bank of America as a member of Lead for Women and Black Professionals Group.

Jenn resides in Ponte Vedra Beach with her husband, Charles, and their two boys, Cameron and Coby.


    • General industries
    • Wholesale Trade
    • Manufacturing
    • Transportation

Meet the Team

With access to the global resources of Bank of America, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Gina Gavio

Senior Vice President

Treasury Sales Officer

James Ng

Senior Vice President

Lending Officer

Rob Riechmann

Senior Vice President

Lending Officer

Antonio Hinton


Commercial Credit Specialist

Tim Riechmann

Assistant Vice President

Sales Support Associate

Bank of America Business Banking

As you work to take your business to the next level in an environment where business and technology sophistication are critical to having a competitive edge, you need a local banking partner who has your long-term interests at heart.

Bank of America is that local advocate. We work closely with you to understand your business goals. We then draw on our Bank wide resources, technology and experience to generate ideas and solutions that will propel your business further.

With Bank of America Business Banking by your side, you can be assured your business has the power to grow and thrive.

You can benefit from:

Local Relationship Managers who are your advocates and bring the Bank’s resources to you as a seamlessly integrated, dedicated team

Comprehensive commercial banking platform with full range of products and technology, backed by Bank of America’s strength and stability

Access to bank-wide services beyond business banking, to manage both your business and personal wealth

Let's have a conversation.

There is no substitute for a one-on-one relationship with a Bank of America relationship manager who is committed to your needs. Request an appointment today.