Thomas Cotter

Thomas Cotter, MBA, is an experienced risk management professional currently serving as the Director of Fraud and Deposit Risk at Santander Bank, N.A. since September 2011, with a prior history of holding various VP positions focused on risk management in overdraft, collections, and deposit risk. Before Santander, Thomas was a Business Planning and Analysis Supervisor at TJX, leading a team to provide strategic insights for a $700M division. Additionally, Thomas has held significant roles at Citizens Bank, where strategic analysis of retail banking operations was a key focus, and Citigroup, where responsibilities included directing global initiatives and managing credit card growth strategies. Thomas began the career as a Portfolio Analyst at People's Bank, managing credit card risk. Educational credentials include an MBA and a BS in Finance and Information Systems, both from Fairfield University.