Sonia Balastegui-Murphy

Sonia Balastegui-Murphy is an experienced finance professional currently serving as the Director of Credit Risk Strategy & Analytics at Santander Bank, N.A. since July 2022. Prior to this role, Sonia held various positions at JPMorgan Chase & Co. from 2018 to July 2022, including Executive Director, Head of Planning and Analysis, and Vice President of Credit Risk & Modeling Analytics. Sonia's career also includes significant contributions at Toyota Financial Services Corporation from 2012 to 2018 as Manager of Credit Loss Forecasting CECL & IFRS9 and Manager of Lease Finance & Analytics, as well as a role at BNY Mellon from 2006 to 2012 as VP - Manager of Fund Reporting and Analytics. Sonia earned a Master of Business Administration in Finance from Pepperdine University and a Bachelor of Science in Management Information Systems from UMass Boston.