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Patrick Smith currently serves as the Head of Consumer and Business Banking and the Head of Small Business Banking at Santander Bank, N.A., a position held since October 2020. Prior to this role, Patrick Smith was the Executive Vice President at KeyBank, focusing on Financial Wellness & Retail Strategy from September 2017 to October 2020. Additional experience includes leadership positions at Liberty Mutual Insurance, Capital One, Wells Fargo, Bank of America, and Accenture, encompassing expertise in customer experience strategy, digital services, and strategic marketing. Patrick Smith holds an M.B.A. from The University of Chicago Booth School of Business, a Master’s Degree in Information Technology from the University of Virginia, and a Bachelor’s Degree in Finance from Tuskegee University.