Fidelity Bank Expands Cash Management Team to Help Business Clients Meet Their Goals

Nov 19, 2021 | News

Fidelity Bank announced the appointment of Howard T. Carney, Jr. to Cash Management Analyst, as it expands their Cash Management team. Carney joins Jennifer Conrad, currently serving in her recently expanded role of Senior Vice President, Cash Management Sales, to provide business owners and municipalities with care, clarity, and confidence in understanding their banking, cash flow cycles, and overall cash management to get business owners where they want to be.

Howard T. Carney, Jr.

“With the expansion of this team, we are bringing our cash management services to a whole new level for our business clients,” said Joseph Silva, Senior Vice President, Chief Commercial Banking Officer, Fidelity Bank. “In addition to introducing new account offerings and services over the next few months, this team will serve as an important cash management resource for our clients to get them where they want to be.”

Conrad and Carney will be based at the Fidelity Bank Front Street banking center located in downtown Worcester. As the newest banking center in the Fidelity Bank service area, the Front Street banking center offers business and municipal clients with access to cash management experts right in the heart of downtown Worcester. The banking center also serves as a place for Fidelity Bank to host events and programs, including financial education programs, and health and wellness classes.

Conrad has more than 20 years of experience in commercial and government banking sectors, with 14 years working in various roles at Fidelity Bank. As a member of the Cash Management team, Conrad helps clients make the best decisions about their cash management options through the Fidelity Bank LifeDesign Banking approach. A resident of Worcester, she earned a bachelor’s degree in Psychology at Assumption College and is a member of the National Automated Clearing House Association and the Association of Financial Professionals. An active member in the community, Conrad is involved with various programs at the Worcester Regional Chamber of Commerce, the SHINE Initiative and the United Way of Central Massachusetts. She also serves as a board member of the Women’s Information Network and Aging Services of North Central Massachusetts. Conrad was recognized by the Worcester Business Journal with a 40 Under Forty Award in 2012 and has received awards for excellence in service and performance at Fidelity Bank.

“The Fidelity Bank LifeDesign approach to banking was created to help our clients achieve their financial goals,” said Conrad. “We work with each client to identify the best products and services to help business owners navigate and secure their capital, as well as implement cash management strategies for financial viability and success with tools help to keep a client’s money safe and secure.”

With more than 20 years of experience, Carney will be responsible for providing care, clarity and transparency for clients while also helping to drive revenue and deposits. Most recently, he served as a Branch Supervisor and Assistant Branch Manager at Bay State Savings Bank. A resident of Charlton, Carney earned a bachelor’s degree in Public and Community Service Studies from Providence College and holds a certificate in Banking from the New England School for Financial Studies.

“For our business owners, cash management is a critical part of their success,” said Carney. “Through my many years of experience in banking, I will bring a unique perspective of understanding a client’s journey and providing our business owners with the guidance to effectively and efficiently maintain their cash flow with confidence.”

Fidelity Bank Cash Management services include internet banking, fraud mitigation tools, merchant services, sweep accounts, and account reconciliation payment options for security and efficiency. As the bank enhances its cash management account offerings and services over the next few months, Conrad and Carney will work in collaboration with John P. Pacheco Jr., Vice President, Business Development Officer in North Central and Central Massachusetts, to ensure business and municipal clients understand the complexities of today’s business environment.

About Fidelity Bank:
Founded in 1888, Fidelity Bank is one of the strongest independent community banks in Central and Eastern Massachusetts. Fidelity Bank’s unique LifeDesign approach to banking provides the care and clarity needed to make informed decisions with confidence. The Bank offers a range of personal and business banking solutions to clients in 13 full-service banking centers in Leominster, Worcester, Fitchburg, Needham, Gardner, Shirley, Barre, Millbury, Paxton, Princeton, and Winchendon. The Bank has consistently earned a “5 Star” rating from BauerFinancial, Inc., the nation’s leading independent bank rating and research firm. In 2020 Fidelity Bank was voted Worcester Telegram & Gazette Best Financial Services in Central Massachusetts and was named to the Boston Globe’s Top Places to Work list for the sixth time. As of December 31, 2020, the bank had total assets of approximately $1.1 billion. For more information, visit or

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