Amber Owens is a Wealth Administrator at the Bank of Charles Town. She joined BCT in the Spring of 2019. She graduated with her bachelor's in business management with a minor in Economics in 2018 and a Master of Business Administration in 2019 from Shepherd University where she was a part of the Co- Ed Business Fraternity Delta Sigma Pi.

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She is a Boys & Girls Club Alumni, former Junior Staff and Staff member of the Martinsburg Boys & Girls Club, and a former Youth of the Year for the Eastern Panhandle. She is married to Christopher Owens and has three children, Winston, Gideon, and Kaya. She is a member of Baker Heights Baptist Church where she volunteers as a Childcare helper and is the chair for the counting committee. She enjoys spending time with her family, reading, and giving back to the community.