Carolyn Criscitiello

Head of Consumer and Business Banking Payments at Santander Bank

Carolyn Criscitiello is the Head of Consumer and Business Banking Payments for Santander Bank, NA. Carolyn is responsible for driving the overall payments strategy for Consumer and Business Banking to improve client engagement and activation to enable deeper client relationships; improve risk and controls; and drive an improved customer experience. Before this Carolyn headed digital payments at HSBC Bank where she was responsible for developing the digital payments strategy, as well as the implementation of domestic and international payments initiatives such as real time payments, bill payments, wires, global transfers and HSBC Global Money. Prior to joining HSBC, Carolyn was the Head of Innovation with M&T Bank and held other digital and payment leadership roles. Carolyn also serves on multiple boards and committees, helping to drive innovation for the payments industry. She is currently Vice Chair of the American Bankers Association Payment Systems Committee and Chair of The Clearing House Real Time Payments Committee.