Santander Holdings USA Executive and Leadership Team

Kylie Moyer, the Chief of Staff & Chief Executive Officer, Office (US) at Santander Holdings USA, directs the strategic operations and administrative functions of the executive office. Overseeing the execution of corporate priorities, the Chief of Staff & Chief Executive Officer, Office (US) ensures that leadership initiatives receive the necessary support and resources. This role involves managing communication flows between the executive team and the broader organization to maintain alignment with the firm's mission. Kylie Moyer facilitates high-level meetings and tracks the progress of key strategic projects, ensuring that deadlines and performance targets are met. By streamlining internal processes, Moyer enhances the productivity of the executive leadership team. The Chief of Staff & Chief Executive Officer, Office (US) acts as a central point of coordination, ensuring that all operational activities support the overarching goals of the U.S. business units and the global banking group.

John Ciulla, the Chief Executive Officer, Santander Bank N.A. at Santander Holdings USA, directs the retail and commercial banking operations of the primary U.S. banking subsidiary. Overseeing the delivery of consumer and business financial services, the Chief Executive Officer, Santander Bank N.A. ensures that the bank maintains a strong market presence and high service standards. This leadership role involves managing the balance sheet, driving deposit growth, and expanding the loan portfolio to support the economic needs of customers. John Ciulla collaborates with the broader holding company to align banking activities with corporate strategy and regulatory expectations. By focusing on digital innovation and customer experience, Ciulla strengthens the bank's competitive position in the U.S. market. The Chief Executive Officer, Santander Bank N.A. monitors performance across all branches and digital channels, ensuring that the bank delivers consistent value while maintaining a focus on long-term financial health.

Cenk Bulbul, the Chief Marketing Officer at Santander Holdings USA, directs all brand strategy and customer acquisition initiatives across the U.S. market. Overseeing digital transformation in marketing, the Chief Marketing Officer ensures that the firm effectively communicates its value proposition to a diverse customer base. This leadership role involves managing multi-channel campaigns that drive engagement and build brand loyalty for the various financial subsidiaries. Cenk Bulbul collaborates with product teams to align marketing efforts with the launch of new financial services and digital tools. By utilizing data-driven insights, Bulbul optimizes advertising spend and improves conversion rates across all platforms. The Chief Marketing Officer monitors market sentiment to refine messaging, ensuring that the brand remains relevant and competitive. Through strategic oversight of marketing operations, the Chief Marketing Officer directly impacts the growth trajectory and market visibility of the entire organization.

Elda Polena, the Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) at Santander Holdings USA, architects the governance frameworks for technology and operations. Overseeing policy compliance, the Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) ensures that all technical initiatives align with global security standards and regulatory requirements. This leadership role involves managing the intersection of information technology and operational policy to mitigate risk and enhance system integrity. Elda Polena coordinates with the Global Chief Information Officer Program to implement best practices across the U.S. infrastructure. By standardizing administrative procedures, Polena drives operational efficiency and ensures that technology investments support the firm's long-term strategic goals. The Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) maintains a focus on robust policy enforcement to protect the organization's digital assets.

Eva Radtke, the Chief Communications Officer at Santander Holdings USA, directs all internal and external communication strategies to protect and enhance the corporate reputation. Overseeing media relations and public affairs, the Chief Communications Officer ensures that the firm's messaging remains consistent across all channels. This leadership role involves managing crisis communications and developing narratives that highlight the organization's commitment to financial excellence and community impact. Eva Radtke coordinates with executive leadership to ensure that corporate announcements align with the firm's strategic objectives. By engaging with stakeholders and the media, Radtke builds trust and transparency, which are essential for maintaining the firm's standing in the financial industry. The Chief Communications Officer monitors public perception and industry trends, providing guidance on communication strategies that support the firm's growth and market influence. Through effective storytelling, the Chief Communications Officer ensures that the organization's mission resonates with employees, customers, and investors.

Patrick Beranek, the Managing Director at Santander Holdings USA, directs complex financial operations and capital allocation strategies across the organization. Overseeing institutional investment portfolios, the Managing Director ensures alignment with the broader goals of the parent banking group. This leadership role involves managing risk frameworks and optimizing asset performance to support the diverse subsidiaries under the corporate umbrella. By coordinating with regional stakeholders, Patrick Beranek drives efficiency in capital deployment and strengthens the market position of the firm. Beranek maintains a focus on long-term fiscal stability, ensuring that all investment activities adhere to regulatory requirements while fostering sustainable growth. Through rigorous analysis of market trends, the Managing Director identifies opportunities for expansion, ultimately securing the financial health of the enterprise within the competitive North American banking landscape.

Kabir Vadera, the Managing Director at Santander Holdings USA, architects strategic initiatives focused on corporate development and business transformation. Leading cross-functional teams, the Managing Director executes high-level projects that enhance operational synergy among the various financial subsidiaries. This role involves evaluating market opportunities and driving the integration of new service models to improve customer engagement. Kabir Vadera facilitates collaboration between internal departments to streamline decision-making processes and accelerate project delivery. By leveraging deep industry expertise, Vadera identifies potential efficiencies in service delivery, ensuring that the organization remains agile in a rapidly evolving financial sector. The Managing Director monitors performance metrics to ensure that strategic objectives remain on track, providing the necessary oversight to maintain competitive advantages across the U.S. market while supporting the overarching mission of the global banking group.

Brad Berberian, the Managing Director at Santander Holdings USA, oversees the strategic management of commercial banking relationships and institutional partnerships. Directing the expansion of corporate service offerings, the Managing Director ensures that the firm meets the complex needs of diverse client segments. This leadership role involves managing large-scale credit facilities and optimizing the delivery of financial products to support business growth. Brad Berberian coordinates with internal stakeholders to refine service standards and enhance the overall client experience. By analyzing regional economic indicators, Berberian identifies emerging trends that inform the development of tailored financial solutions. The Managing Director maintains a focus on operational excellence, ensuring that all commercial activities align with the risk appetite and strategic vision of the organization. Through consistent engagement with key partners, the Managing Director drives revenue growth and strengthens the firm's reputation as a premier financial institution.