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.

Prior to joining Santander in 2024, Bhatia led the Marcus and GreenSky businesses at Goldman Sachs and previously served as the Chief Payments Risk Officer at Stripe, where she was instrumental in building out the company’s risk and compliance infrastructure. She also held a variety of leadership roles at PayPal and Capital One, spanning digital banking platforms and products, marketing and customer experience, governance and risk management, and operations.

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.

Recognized as an industry thought leader, Bhatia serves on the Board of Accion Opportunity Fund, a non-profit that provides small business owners in the U.S. with access to capital, networks, and coaching. She earned a M.S. in Finance from Birla Institute of Technology and Science, Pilani.