Ralph Torres

Ralph Torres is a highly experienced professional in the financial services sector with a diverse background in banking, treasury management, and operations. Currently serving as Vice President for Commercial & Wholesale Operations at Santander Bank, N.A., Ralph Torres specializes in implementation management, new account openings, and client support for small and mid-sized companies. Prior roles at Santander include positions focused on transaction banking, client services, and cash management, showcasing strong skills in handling complex queries and business development. Ralph Torres has also held consulting positions with Protiviti and worked as a self-employed financial services professional. With over two decades of experience, Ralph Torres has worked at well-known firms including State Street, DiMaio Ahmad Capital, Societe Generale, and ING Nederland, managing substantial daily financial operations and specializing in capital markets and cash management. Ralph Torres holds a Bachelor of Science degree in International Finance from St. John's University.