Dharmesh Kothari is an experienced risk management professional with a strong background in enterprise risk and financial data management. Currently serving as Director of Enterprise Risk Management at Santander US since January 2018, Dharmesh leads Risk Appetite, Strategic Risk, and Risk Data initiatives. Previous roles include Head of Risk Appetite and Risk & Financial Data Management, as well as Risk Manager within the same organization. Prior to Santander, Dharmesh was with Citizens Bank from August 2005 to December 2017, holding positions like Risk Initiative Team Lead and Senior Business Analyst, where responsibilities encompassed Credit Policy and Enterprise Risk Information. Dharmesh began the career at Gujarat Glass Limited as an Assistant Manager in Manufacturing and Finance.