Santander Holdings USA Executive and Leadership Team

John Ciulla, the Chief Executive Officer, Santander Bank N.A. at Santander Holdings USA, directs the retail and commercial banking operations for the primary U.S. subsidiary. By architecting customer-centric service models, the Chief Executive Officer, Santander Bank N.A. drives deposit growth and strengthens market share. John Ciulla oversees the implementation of branch-level strategies that enhance community engagement and financial accessibility. This leadership role involves coordinating with executive peers to ensure that banking activities align with the broader corporate mission. By optimizing operational efficiency, the Chief Executive Officer, Santander Bank N.A. improves the bottom line while maintaining high standards of regulatory compliance. The Chief Executive Officer, Santander Bank N.A. also fosters a culture of innovation to address the changing financial needs of diverse customer segments. Through these efforts, the Chief Executive Officer, Santander Bank N.A. ensures that the bank remains a cornerstone of the organization's U.S. presence and a leader in the competitive banking landscape.

Kylie Moyer, the Chief of Staff & Chief Executive Officer, Office (US) at Santander Holdings USA, manages the strategic priorities and daily operations of the executive office. By facilitating communication between the leadership team and the broader organization, the Chief of Staff & Chief Executive Officer, Office (US) ensures alignment on key corporate initiatives. Kylie Moyer oversees the execution of high-priority projects that impact the firm's U.S. market position. This leadership role involves preparing briefings for the Board and coordinating cross-departmental efforts to achieve organizational goals. By optimizing the flow of information, the Chief of Staff & Chief Executive Officer, Office (US) enhances decision-making processes and operational efficiency. The Chief of Staff & Chief Executive Officer, Office (US) also monitors the progress of strategic objectives to ensure timely delivery of results. Through these efforts, the Chief of Staff & Chief Executive Officer, Office (US) supports the executive leadership in driving the company's mission and maintaining its competitive advantage in the financial sector.

Elda Polena, the Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) at Santander Holdings USA, governs the technology and operations policy framework across the U.S. business units. By establishing rigorous standards for information security and data management, the Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) ensures the integrity of the firm's digital infrastructure. Elda Polena coordinates with the Global Chief Information Officer Program to align local policies with international best practices. This leadership role involves auditing operational processes to identify risks and implement corrective measures. By streamlining policy administration, the Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) enhances organizational resilience and compliance. The Director, Head of US T & O Policy Administration (US T & O and Global Chief Information Officer Program) also facilitates training programs to promote a culture of security awareness. These efforts protect the firm's assets and support the stability of its global operations.

Cenk Bulbul, the Chief Marketing Officer, Santander Bank, US & Openbank, Global at Santander Holdings USA, directs the brand strategy and customer acquisition efforts for both the U.S. banking operations and the global Openbank platform. By architecting integrated marketing campaigns, the Chief Marketing Officer, Santander Bank, US & Openbank, Global drives brand awareness and market penetration. Cenk Bulbul oversees the development of digital marketing initiatives that target diverse customer segments across international markets. This leadership role involves analyzing consumer behavior to refine messaging and optimize marketing spend. By aligning brand identity with the firm's core values, the Chief Marketing Officer, Santander Bank, US & Openbank, Global strengthens customer loyalty and trust. The Chief Marketing Officer, Santander Bank, US & Openbank, Global also collaborates with product teams to ensure that marketing efforts support the launch of new financial services. Through these efforts, the Chief Marketing Officer, Santander Bank, US & Openbank, Global enhances the firm's competitive position and supports long-term growth objectives.

Eva Radtke, the Chief Communications Officer at Santander Holdings USA, manages the internal and external communication strategies for the organization. By crafting narratives that reflect the firm's commitment to financial excellence, the Chief Communications Officer shapes the public perception of the company. Eva Radtke oversees media relations, crisis communications, and employee engagement initiatives to ensure consistent messaging across all channels. This leadership role involves advising the executive team on communication strategies that support the firm's reputation and business objectives. By fostering transparent communication, the Chief Communications Officer strengthens relationships with stakeholders, including customers, investors, and regulators. The Chief Communications Officer also monitors media trends to proactively address potential issues and highlight the firm's achievements. Through these efforts, the Chief Communications Officer maintains the company's standing as a trusted leader in the financial services industry. This focus on effective communication ensures that the organization's mission and values are clearly articulated to all audiences.

Ryan Clinton, the Managing Director at Santander Holdings USA, oversees complex capital allocation strategies across the organization's diverse financial portfolio. By managing risk frameworks and liquidity requirements, the Managing Director ensures the stability of the intermediate holding company. Ryan Clinton drives initiatives that align subsidiary performance with the broader objectives of the parent organization. This leadership role involves constant collaboration with the Board to optimize asset utilization and maintain regulatory compliance. Through rigorous oversight of financial reporting and internal controls, the Managing Director supports the long-term fiscal health of the enterprise. By streamlining operational workflows, the Managing Director enhances the efficiency of the U.S. business units. This strategic focus allows the firm to navigate volatile market conditions while maintaining a competitive edge in the banking sector. Ultimately, the Managing Director secures the financial foundation necessary for sustained expansion.

Brad Berberian, the Managing Director at Santander Holdings USA, directs the expansion of commercial lending operations across North American markets. By architecting credit strategies that cater to diverse business segments, the Managing Director facilitates significant revenue growth for the subsidiary network. Brad Berberian evaluates market trends to identify emerging opportunities in the financial services landscape. This leadership role requires close coordination with regional heads to ensure consistent service delivery and risk management standards. By optimizing the loan portfolio, the Managing Director strengthens the balance sheet and improves overall profitability. The Managing Director also implements advanced analytical tools to assess creditworthiness and mitigate potential losses. Through these efforts, the Managing Director maintains the firm's reputation for reliability and financial strength. This focus on commercial excellence ensures that the organization remains a preferred partner for businesses seeking robust banking solutions in a competitive global environment.

Patrick Beranek, the Managing Director at Santander Holdings USA, leads the strategic integration of digital banking platforms across the U.S. business units. By overseeing the modernization of legacy systems, the Managing Director improves customer experience and operational agility. Patrick Beranek drives the adoption of innovative financial technologies that streamline transaction processing and enhance security protocols. This leadership role involves managing cross-functional teams to ensure seamless deployment of new digital products. By aligning technological capabilities with market demands, the Managing Director supports the firm's goal of increasing digital engagement. The Managing Director also monitors performance metrics to ensure that digital initiatives deliver measurable value to the organization. Through these efforts, the Managing Director maintains the company's position at the forefront of the financial services industry. This commitment to digital transformation ensures that the firm remains responsive to the evolving needs of modern banking customers.