Santander Bank
Thomas Cotter, MBA, is an experienced risk management professional currently serving as the Director of Fraud and Deposit Risk at Santander Bank, N.A. since September 2011, with a prior history of holding various VP positions focused on risk management in overdraft, collections, and deposit risk. Before Santander, Thomas was a Business Planning and Analysis Supervisor at TJX, leading a team to provide strategic insights for a $700M division. Additionally, Thomas has held significant roles at Citizens Bank, where strategic analysis of retail banking operations was a key focus, and Citigroup, where responsibilities included directing global initiatives and managing credit card growth strategies. Thomas began the career as a Portfolio Analyst at People's Bank, managing credit card risk. Educational credentials include an MBA and a BS in Finance and Information Systems, both from Fairfield University.
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Santander Bank
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Santander Bank, N.A. is one of the country’s largest retail and commercial banks with more than $79 billion in assets. The bank got its start in Spain, but has been serving customers in the Northeast since 2013. With its corporate offices in Boston, the Bank’s 9,700 employees, more than 650 branches, 2,100 ATMs, and 2.1 million customers are principally located in Massachusetts, New Hampshire, Connecticut, Rhode Island, New York, New Jersey, Pennsylvania, and Delaware. The Bank is a wholly-owned subsidiary of Madrid-based Banco Santander, S.A. (NYSE: SAN)—one of the most respected banking groups in the world with more than 125 million customers in the U.S., Europe, and Latin America. It is managed by Santander Holdings USA, Inc., Banco Santander’s intermediate holding company in the U.S.