Swati is the head of Retail Banking and Transformation at Santander Bank, N.A., and is a member of the Santander US executive team. She is responsible for leading the US Consumer & Business Banking business and all related digital transformation initiatives, with a focus on building new capabilities, simplifying existing processes, and enhancing the customer experience to become a leading national, digital bank with branches.

Bhatia has more than 20 years of leadership experience in financial services with broad P&L management and functional expertise. She built her career around solving complex business problems and creating impact at scale through engaged and aligned teams. She strives to inspire the people around her to be their best and is adept at driving cultural change.