Santander UK Executive and Leadership Team

June, 2026

Leadership Overview

Santander UK has 6 executives leading key functions including finance, operations, and strategy.

Driven by a commitment to business growth, Santander UK provides comprehensive financial services and strategic guidance to help companies expand beyond traditional markets, fostering international success through extensive local networks and sector expertise.

Leadership Roles at Santander UK

  • Chief Financial Officer - Carlos Polo
  • Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia) - Michele Di Rauso
  • Chief Financial Officer & Co-founder - Michelle Yanez
  • Data Ai, Openbank & Santander Chief of Staff (US) - Ray Gill
  • Associate III, Chief of Staff SCIB - Yamilet Labra
  • Jefe Operativo - Segundo Salazar
  • Carlos Polo - Chief Financial Officer

    Carlos Polo, the Chief Financial Officer at Santander UK, directs the financial strategy and fiscal operations of the organization. This leadership role involves managing all aspects of financial planning, budgeting, and reporting, ensuring robust fiscal health and compliance with regulatory standards. Polo oversees the allocation of capital and resources, driving initiatives that support the company's growth objectives and profitability targets. The Chief Financial Officer's responsibilities extend to risk management and the development of financial models that inform strategic decision-making. By maintaining strong relationships with financial institutions and investors, Carlos Polo secures the necessary funding to execute the company's ambitious expansion plans and operational enhancements. This executive ensures the financial integrity of Santander UK's day-to-day banking services and its specialized offerings for businesses seeking finance.
    Carlos Polo

    Michele Di Rauso - Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia)

    Michele Di Rauso, the Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia) at Santander UK, spearheads financial oversight for consumer finance operations across Asian markets. This critical position involves developing and executing financial strategies tailored to the unique demands of the Asian consumer finance sector, driving profitability and market penetration. Di Rauso manages complex financial structures, ensuring alignment with both regional business objectives and the broader Banco Santander group's global financial framework. The Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia) oversees risk assessment, capital deployment, and performance analysis within the consumer finance division, identifying opportunities for growth and efficiency. Michele Di Rauso's leadership ensures that financial resources are optimized to support innovative product development and customer acquisition strategies, contributing significantly to Santander's international trade and expansion initiatives.

    Michelle Yanez - Chief Financial Officer & Co-founder

    Michelle Yanez, the Chief Financial Officer & Co-founder at Santander UK, shapes the financial direction and operational framework of the organization. This dual role encompasses strategic financial planning, resource management, and the cultivation of a strong financial foundation essential for business expansion. Yanez oversees all fiscal activities, from budgeting and forecasting to financial reporting and compliance, ensuring the company's financial stability and growth trajectory. The Chief Financial Officer & Co-founder's responsibilities include identifying and securing investment opportunities, managing banking relationships, and optimizing financial performance to support ambitious business goals. Michelle Yanez's strategic insights and co-founding perspective are integral to driving Santander UK's mission of bringing a fresh perspective to businesses aiming for growth beyond traditional markets and achieving international success.
    Michelle Yanez

    Ray Gill - Data Ai, Openbank & Santander Chief of Staff (US)

    Ray Gill, the Data Ai, Openbank & Santander Chief of Staff (US) at Santander UK, drives strategic initiatives and operational efficiency across data, AI, and Openbank platforms within the US market. This role involves coordinating cross-functional teams to implement advanced data analytics and artificial intelligence solutions, enhancing business intelligence and decision-making processes. Gill oversees the strategic integration of Openbank technologies, ensuring seamless operations and alignment with Santander's broader digital transformation goals. The Data Ai, Openbank & Santander Chief of Staff (US) acts as a key liaison, facilitating communication and collaboration between US-based operations and global leadership. Ray Gill's focus on leveraging data and AI supports Santander UK's commitment to innovation and providing a fresh perspective for businesses with ambitions to grow beyond traditional markets.

    Yamilet Labra - Associate III, Chief of Staff SCIB

    Yamilet Labra, the Associate III, Chief of Staff SCIB at Santander UK, supports strategic planning and execution for the Santander Corporate & Investment Banking (SCIB) division. This position involves coordinating key projects, facilitating communication across departments, and ensuring operational alignment with SCIB's objectives. Labra contributes to the development and implementation of strategic initiatives aimed at enhancing client services and market positioning within the corporate and investment banking sector. The Associate III, Chief of Staff SCIB's responsibilities include driving efficiency improvements and supporting the leadership team in navigating complex market dynamics. Yamilet Labra plays a vital role in translating strategic goals into actionable plans, ensuring that SCIB effectively supports businesses seeking finance and international trade opportunities.

    Segundo Salazar - Jefe Operativo

    Segundo Salazar, the Jefe Operativo at Santander UK, directs and optimizes the operational functions critical to the bank's day-to-day activities. This leadership role involves overseeing the execution of core banking processes, ensuring efficiency, accuracy, and compliance across all operational departments. Salazar is responsible for managing resources, implementing process improvements, and maintaining high standards of service delivery to support business clients. The Jefe Operativo's focus is on streamlining workflows and enhancing operational resilience to meet the evolving needs of businesses. Segundo Salazar's expertise in operational management is fundamental to Santander UK's ability to provide comprehensive financial services, facilitate credit card payments, and support businesses in their expansion and international trade endeavors.

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    Frequently Asked Questions Regarding Santander UK Top Executives and Leadership Team

    Who leads Santander UK?
    Santander UK is led by Carlos Polo (Chief Financial Officer), along with executives such as Michele Di Rauso (Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia)) and Michelle Yanez (Chief Financial Officer & Co-founder).
    Who is part of Santander UK’s executive team?
    The executive team of Santander UK includes leaders such as Carlos Polo (Chief Financial Officer), Michele Di Rauso (Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia)), Michelle Yanez (Chief Financial Officer & Co-founder) and other senior executives.
    How many executives does Santander UK have?
    Santander UK has 6 executives leading key business areas.
    What roles are included in Santander UK’s leadership team?
    The leadership team of Santander UK includes roles such as Chief Financial Officer, Division Chief Financial Officer, Md Consumer Finance Banco Santander (Asia), Chief Financial Officer & Co-founder, Data Ai, Openbank & Santander Chief of Staff (US), Associate III, Chief of Staff SCIB.