Joanne Chadwick is a Chief Information Officer at Santander Bank US, where she plays a pivotal role in driving the company’s Digital Transformation initiatives. With over 25 years financial services experience, Joanne is currently accountable within technology for launching the Openbank brand nationally in the US in Q4 2024.  Openbank, by Santander, is a digital bank that provides best in class customer experience by combining functionality, design and intuition