Chief Strategy & Innovation Officer
Customers Bank

Carlos Coto is Chief Innovation Officer at Customers Bank, bringing over 20 years of experience across retail banking, commercial banking, payments, and management consulting. A rare blend of strategist and operator, he has held leadership roles at HSBC, Bank Leumi USA, American Express Global Corporate Payments, and top-tier consulting firms L.E.K. Consulting and Strategy&.

Coto leads Customers Bank’s AI and automation efforts, having built the bank’s governance framework, structured partnerships with leading AI companies, and developed its multi-year AI strategy. He holds an MBA from Harvard Business School and a BBA in Finance from Baruch College. He lives in New Jersey with his wife and two children.