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2023 Mid-Sized Business Owner Report

Our inaugural Mid-Sized Business Owner Report captures viewpoints on the economy, financing in their businesses, labor, digitization, and more.

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Steve Bernardo is a Senior Vice President and Relationship Manager in Commercial Banking.  His primary market is Rhode Island and Southeastern Massachusetts, including the Cape & Islands.  His clients are privately-owned companies, mostly with annual revenues $5 to $50 million.  He leads a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions.  These solutions may include complex treasury management, investment of excess liquidity, corporate card programs, and all types of financing.  He has been a National Pinnacle Award winner in multiple years which recognizes the top 2% of Relationship Managers across the country. 

Steve joined Bank of America in 1991 in the Washington DC market. Over his banking career, he has held various positions in client management and credit including in Chicago with Bank of America's asset-based lending group.  He has been in his current position since 2006 helping mid-sized companies with their banking needs.  Steve holds a B.S. degree in Finance and an M.B.A. from American University.  He later earned a law degree from Roger Williams University School of Law, graduating in the top 10% of his class, and is a member of the Massachusetts Bar.  Steve lives in his hometown of Bristol, RI with his wife Lisa.

To help create a more sustainable future for the companies and communities he serves, Steve volunteers as an advisor to business owners and CEOs through the Inner City Capital Connection.  He volunteers reading to preschool children at a school serving a diverse, urban population in South Providence, RI, and also serves as a volunteer for Special Olympics of Massachusetts.


    • Wholesale Trade
    • General industries
    • Transportation
    • Manufacturing
    • Professional Services
    • Accounting and Law Firms
    • Agriculture
    • Engineering Firms

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.

Karen Cambio


Sales Support Associate

Cathie Egan


Treasury Sales Officer

Charlene Bien-Aime


Treasury Sales Analyst

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.