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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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Richard Clemens is a Senior Vice President and Senior Relationship Manager for the Connecticut market in commercial banking at Bank of America Merrill Lynch.  In this capacity, Rich leads a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions.  These may include treasury management, international banking, trade finance, corporate credit cards, as well as all types of financing.  Rich’s goal is to help local mid-size companies grow and achieve their business goals, no matter how simple or complex.

Rich has 32 years of experience in financial services and banking and 10 years with Bank of America Merrill Lynch. Rich joined the bank in 2004 and then rejoined the bank in 2010 for his second tour. Rich spend his first 20 years working in NYC in a variety of sales and management positions, primarily with Citibank. He was a Market Manager/Division Manager for business banking and middle market banking in downtown Manhattan.  Rich moved to the Connecticut marketplace in 2005 when he assumed an Executive Vice President position in Fairfield County for a community bank with responsibility for all branches and brokerage operations, as well as commercial lending in lower Fairfield County.

Rich is an active supporter of local sports and volunteers as a coach for Babe Ruth baseball where he coached the 2017 team to the 18U State Championship.  Rich serves on the executive board of directors for Norwalk baseball.  He has previously volunteered and served on the board of directors for The Maritime Aquarium, Elderhouse, and the executive boards for Norwalk Chamber of Commerce and Stamford Chamber of Commerce.  Rich also does volunteer work for Saint Matthews Church in Norwalk.

Rich holds a BA degree in Political Science from Fairfield University, completed formal credit training program at Bank of New York, and is a previous holder of NASD Series 7/65 and Life/Health Insurance licenses.  Rich lives in Norwalk, CT with his wife Kristin and two boys, Richard III and Christopher.



    • General industries

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.

Kori O. Kaercher

Assistant Vice President

Sales Support Associate

Eric F. Armstrong


Treasury Solutions Analyst

Janine Bureau

Vice President

Treasury Solutions Officer

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.