Elizabeth Santoro
Vice President Risk Management (Payments Risk Management) @U.S. Bank
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WORK HISTORY
Vice President Risk Management (Payments Risk Management) @U.S. Bank
CO, US
Lead enterprise-wide risk governance for payments and money movement, proactively identifying gaps and implementing controls.Own and update policies; conduct risk and control self-assessments, credible challenge, and reporting to executive committees.Develop and deliver executive-level reporting (monthly, quarterly, ad hoc) to inform strategic decisions.Drive efficiency and change management initiatives, aligning operations with evolving regulatory requirements.Recruit, onboard, and mentor staff to strengthen team capability and succession planning.
EDUCATION
Assumption University
Bachelor of Science (B.S.) Criminal Justice, Criminalistics and Criminal Science
Bellevue University
Master of Science - MS, Strategic Finance
ABOUT ELIZABETH SANTORO
I’m a risk and compliance leader with 15+ years of experience helping organizations navigate complex regulations, strengthen governance, and maintain an effective risk framework. My career has spanned payments rick management, consumer protection, credit risk, and litigation, giving me a unique perspective on how to balance operational needs with regulatory expectations.I thrive at the intersection of strategy and execution—whether it’s building enterprise-wide risk frameworks, leading audits and regulatory exams, or creating policies that make compliance both practical and sustainable. Along the way, I’ve built and led teams, advised executives, and partnered across business lines to drive meaningful change.What motivates me most is turning risk into opportunity: helping organizations not just avoid pitfalls, but become stronger, more efficient, and more resilient. I’m always open to connecting with professionals and organizations in finance, technology, and the public sector who are passionate about integrity, innovation, and risk management.
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