Michael Bernardo, PhD

Mike Bernardo joined Citizens Wealth Management in January 2018 as the Business Control Officer for Wealth Management. He has nearly 28 years of experience in financial services in compliance, supervision, regulation, and operations. Prior to joining the firm, Mr. Bernardo spent 10 years as a Managing Director providing regulatory consulting services at PricewaterhouseCoopers and, more recently, at Bates. He also has served as a Director of Floor Broker Surveillance for NYSE Regulation, gaining experience in institutional trading and surveillance, and overseeing member firms’ regulatory inquiries and responses. He has also held positions at top broker-dealers, such as Morgan Stanley, UBS, and Smith Barney/Citigroup, performing sales practice reviews such as broker surveillance, customer surveillance, and product surveillance. Additionally, as a branch office Operations Manager, he was responsible for supervisory functions, such as trade review and approval, email surveillance, annual branch exam review and response, and trade error review. Mr. Bernardo has an M.B.A in accounting, a PhD in Finance, and is currently licensed with FINRA Series 7 and 24.