Sandeep Kulkarni

Sandeep Kulkarni is an accomplished senior banking professional with extensive experience in commercial banking and digital transformation. Currently serving as Senior Vice President of Commercial Banking at First Citizens Bank since March 2018, Sandeep collaborates with the Bank Executive Team to enhance IT and business objectives, implement structural reforms, and drive productivity improvements. Sandeep has successfully led key initiatives such as the replacement of Treasury/Cash Management Online Banking applications and the automation of various banking processes. Prior experience includes a role as Regional Head of Digital Channels for Americas at HSBC Bank USA, where Sandeep pioneered digital strategies across multiple countries, managed significant projects, and led a large-scale digital modernization initiative. Sandeep holds a Bachelor's degree in Computer Science from SP College, University of Pune, India.