Charles Schwab Executive and Leadership Team

Rhett Bratt, the Vice President and Business Unit Chief Financial Officer, Investor Services Finance at Charles Schwab, manages the financial health of the investor services division. Bratt directs budgeting, forecasting, and capital allocation strategies to support the firm's retail brokerage growth. By analyzing revenue streams and operational costs, the Vice President and Business Unit Chief Financial Officer, Investor Services Finance ensures that financial resources align with strategic business objectives. This role involves providing data-driven insights to leadership to guide investment decisions and market expansion efforts. Rhett Bratt monitors the financial performance of specific product lines, identifying opportunities for margin improvement and efficiency gains. The Vice President and Business Unit Chief Financial Officer, Investor Services Finance drives the development of financial models that assess the impact of market volatility on client services. Through rigorous fiscal oversight, Bratt maintains the financial stability necessary to deliver high-quality investment products to millions of clients.

Joseph Martinetto, the Managing Director & Chief Operating Officer at Charles Schwab, oversees the firm's entire operational infrastructure and service delivery systems. Martinetto directs the execution of enterprise-wide strategies, ensuring that all brokerage functions operate with maximum efficiency and reliability. By managing the complex logistics of financial product distribution, the Managing Director & Chief Operating Officer maintains the integrity of the client experience. This role involves close collaboration with the board to align operational capacity with long-term growth targets. Joseph Martinetto monitors performance across North American markets, implementing scalable solutions that support millions of investor accounts. The Managing Director & Chief Operating Officer drives initiatives that modernize internal systems, reducing friction in the investment process. Through rigorous oversight of daily operations, Martinetto secures the firm's position as a leader in the financial services industry, consistently delivering value to clients and stakeholders alike.

Tara Moody, the Senior Vice President And Chief Of Staff at Charles Schwab, directs internal alignment and executive communication protocols. Moody manages high-level organizational workflows, ensuring that strategic initiatives receive proper oversight across all business units. By facilitating collaboration between senior leadership and operational teams, the Senior Vice President And Chief Of Staff optimizes decision-making processes. This role involves translating corporate objectives into actionable tasks that drive efficiency within the brokerage framework. Tara Moody maintains rigorous standards for project execution, supporting the broader mission of providing accessible financial planning services. Through constant monitoring of internal performance metrics, the Senior Vice President And Chief Of Staff guarantees that resources remain allocated toward high-impact growth areas. This leadership position requires deep integration with the executive committee to maintain organizational agility while navigating complex market environments and evolving investor needs.

Shermeen Pavri, the Head To of Retail Chief of Staff (Strategy & Operations) at Charles Schwab, architects the operational framework for retail investment services. Pavri drives strategic planning efforts that enhance the client experience through improved service delivery models. Overseeing the integration of financial planning tools, the Head To of Retail Chief of Staff (Strategy & Operations) ensures that retail offerings remain competitive in a dynamic brokerage landscape. This role involves coordinating cross-functional teams to execute large-scale initiatives that expand market reach. Shermeen Pavri monitors operational performance to identify opportunities for process refinement and cost efficiency. By aligning retail strategies with the overarching corporate vision, the Head To of Retail Chief of Staff (Strategy & Operations) supports the delivery of high-quality investment products. This position demands constant engagement with market trends to maintain the firm's reputation for excellence in investor services and financial guidance.

Subramanian Chandru, the Senior Vice President, Office of Chief Technology Officer, Head of Architecture and Research and Development at Charles Schwab, leads the innovation pipeline for digital investment platforms. Chandru architects scalable technology solutions that support the firm's extensive brokerage services. By directing research and development efforts, the Senior Vice President, Office of Chief Technology Officer, Head of Architecture and Research and Development ensures that the company remains at the forefront of financial technology. This role involves evaluating emerging tools to enhance platform security and user accessibility. Subramanian Chandru coordinates with engineering teams to implement robust infrastructure capable of handling high-volume trading activity. The Senior Vice President, Office of Chief Technology Officer, Head of Architecture and Research and Development drives the adoption of advanced computing models to improve data processing speeds. This leadership function directly impacts the firm's ability to provide seamless, real-time investment management services to a global client base.

Jeff Marquez, the Principal Architect & Chief Technology Officer, Office of The Application Architecture at Charles Schwab, designs the foundational software systems that power the firm's investment applications. Marquez directs the development of secure, high-performance codebases that facilitate reliable trading and financial planning. By overseeing the application architecture, the Principal Architect & Chief Technology Officer, Office of The Application Architecture ensures that all digital tools integrate smoothly with existing brokerage infrastructure. This role involves setting technical standards that govern software lifecycle management and system interoperability. Jeff Marquez monitors the stability of critical applications, implementing upgrades that enhance user functionality and data protection. The Principal Architect & Chief Technology Officer, Office of The Application Architecture drives the transition toward modern cloud-based environments to support increased transaction volumes. Through technical leadership, Marquez maintains the integrity of the firm's digital ecosystem, ensuring that clients receive consistent and secure access to investment services.

Terry Nederveld, the Director, Office of the Chief Technology Officer - Enterprise Architecture, Technical Debt Management System at Charles Schwab, manages the systematic reduction of legacy software constraints. Nederveld directs the enterprise architecture strategy to ensure that technology systems remain agile and scalable. By identifying and resolving technical debt, the Director, Office of the Chief Technology Officer - Enterprise Architecture, Technical Debt Management System improves the overall performance of the firm's digital brokerage platforms. This role involves establishing protocols for system maintenance and modernization across all business units. Terry Nederveld coordinates with engineering teams to prioritize infrastructure updates that support long-term stability. The Director, Office of the Chief Technology Officer - Enterprise Architecture, Technical Debt Management System drives the implementation of efficient coding practices that prevent future system bottlenecks. Through this focus on technical health, Nederveld ensures that the company's technology stack remains a competitive advantage in the financial services market.

Tim Heier, the Managing Director & Chief Technology Officer at Charles Schwab, oversees the firm's entire technology strategy and digital transformation initiatives. Heier directs the development of innovative platforms that enable seamless investment management for clients. By managing large-scale engineering teams, the Managing Director & Chief Technology Officer ensures that the company's digital infrastructure remains secure, scalable, and highly available. This role involves aligning technology investments with the firm's broader mission of providing accessible financial planning services. Tim Heier monitors emerging trends in financial technology, integrating advanced solutions that enhance the user experience. The Managing Director & Chief Technology Officer drives the adoption of modern development methodologies to accelerate the delivery of new features. Through strategic leadership, Heier maintains the firm's technological edge, ensuring that all digital brokerage tools meet the evolving needs of investors while upholding the highest standards of data security and system performance.

Sunil Mamilla, the Principal Enterprise Architect & Chief Technology Officer, Office of at Charles Schwab, designs the overarching technical framework that connects the firm's diverse financial services. Mamilla directs the integration of complex systems to ensure data consistency and platform reliability. By establishing enterprise-wide architectural standards, the Principal Enterprise Architect & Chief Technology Officer, Office of facilitates the seamless operation of trading and investment management tools. This role involves evaluating the long-term viability of technology investments to support the company's growth objectives. Sunil Mamilla coordinates with various technology leaders to align infrastructure development with business requirements. The Principal Enterprise Architect & Chief Technology Officer, Office of drives the implementation of modular system designs that allow for rapid feature deployment. Through this strategic oversight, Mamilla ensures that the firm's technology ecosystem remains robust, flexible, and capable of supporting the complex needs of modern investors across all service channels.

Greta Calkins, the Chief Technology Officer, Managing Pricipal Office of at Charles Schwab, leads the strategic planning for the firm's technology governance and operational excellence. Calkins directs the implementation of policies that ensure technology initiatives support the company's core brokerage mission. By managing the office of the CTO, the Chief Technology Officer, Managing Pricipal Office of oversees the alignment of technical resources with business priorities. This role involves fostering collaboration between engineering, product, and finance teams to drive cohesive digital strategies. Greta Calkins monitors the execution of major technology projects, ensuring that milestones are met and risks are mitigated. The Chief Technology Officer, Managing Pricipal Office of drives the adoption of best practices in project management and system delivery. Through this leadership position, Calkins ensures that the firm's technology investments consistently deliver value, supporting the company's commitment to providing superior financial planning and investment services to a broad client base.