Travis Soto
Chief Financial Officer @Optum Bank
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WORK HISTORY
Chief Financial Officer @Optum Bank
Draper, UT, US
As the CFO of Optum Bank, an $21 billion industrial bank and a key subsidiary of UnitedHealth Group (UHG), a Fortune 5 company, I am responsible for overseeing the bank’s financial strategy and ensuring operational excellence in alignment with our growth objectives. I lead critical financial and strategic functions, driving performance and resilience across areas including mergers and acquisitions, treasury management, asset liability management, and product development. I chair the Bank’s Asset Liability Management Committee (ALCO), where I provide leadership and coordination for all financial planning and reporting, budget development and management, investment portfolio strategy, and liquidity monitoring, while ensuring compliance with federal and state regulations. My role includes overseeing financial reporting and maintaining a robust control environment that supports our bank\'s reputation for accuracy and reliability.Additionally, I direct liquidity management processes to support bank growth in collaboration with UHG Treasury functions, and I engage with regulatory bodies to ensure our alignment with industry standards. Through effective risk management and operational oversight, I contribute to Optum Bank’s sustainable growth and stability, with assets increasing by $5.9 billion (40%) and the lending portfolio expanding by $5.7 billion (180%) under my leadership. With an MBA in International Management from the Thunderbird School of Global Management, I am committed to upholding the highest standards of professionalism and delivering impactful results that meet the evolving demands of the financial services sector.
EDUCATION
University of Utah - David Eccles School of Business
BA, Finance
Thunderbird School of Global Management
MBA, International Management
SKILLS
ABOUT TRAVIS SOTO
As CFO of Optum Bank, a $21 billion top-100 U.S. industrial bank and subsidiary of UnitedHealth Group, I lead enterprise finance, capital strategy, and balance-sheet governance within a highly regulated, technology-enabled banking model. I serve as enterprise CFO and chair of ALCO, with responsibility for accounting, FP & A, capital planning, treasury, liquidity management, regulatory reporting, internal controls, and financial risk oversight. I am the primary financial partner to the CEO and Board, regularly interfacing with regulators, external auditors, and key stakeholders to ensure strong supervisory standing and disciplined execution.Under my leadership, the bank has grown assets by $5.9 billion (40%) and expanded its lending portfolio by $5.7 billion (180%) while strengthening capital, liquidity, and risk frameworks. I designed and executed a multi-year balance-sheet strategy that optimized funding, improved margin resilience, and enabled the bank’s first dividend in over a decade.My experience spans regulated industrial banks, consumer lending platforms, and high-volume payments environments. I have led M&A diligence and integration, advanced securitization and forward-flow funding strategies, modernized FP & A into forward-looking performance management, and partnered with technology teams to build scalable financial infrastructure in complex regulatory environments.I am particularly focused on building durable financial control environments from the ground up — aligning capital, liquidity, ALM, and governance frameworks with supervisory expectations while preserving strategic flexibility and speed.An MBA graduate of Thunderbird School of Global Management and a Certified Treasury Professional (CTP), I am committed to disciplined capital allocation, regulatory credibility, and long-term enterprise value creation.
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