Jon Graf currently serves as the US Head of CMS Oversight at Santander US since May 2025. Prior to this role, Jon Graf was the Senior Director of Regulatory Compliance at Santander Bank, N.A., where responsibilities included oversight of CRA, Reg W, Reg O, and FDIC 370 from November 2021 to May 2025. Earlier experience includes various positions at Raymond James, including VP, Compliance Director, and Senior Compliance Manager from August 2015 to November 2021, as well as a role as Associate at J.P. Morgan from August 2012 to June 2015. Jon Graf holds a Bachelor's degree in Political Science and Government from the University of Tennessee, Knoxville.
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