EVP, Head of Commercial Deposits and Treasury Management
Axos Bank
Christian Santaniello is Executive Vice President, Head of Commercial Deposits and Treasury Management for Axos Bank, where he oversees sales, operations, and product management for the commercial deposit business.
Mr. Santaniello has over 25 years of experience in banking, focused on deposits and treasury management.
Before joining Axos, Mr. Santaniello held positions at several financial institutions, including Citizens Financial Group in Boston, MA, Countrywide Bank in Thousand Oaks, CA and City National Bank in Los Angeles, CA. During his career, he has held leadership roles across product management, sales management, operations, strategic planning, finance and analytics.
Mr. Santaniello earned a Bachelor of Science degree from Tufts University and graduated from the Pacific Coast Banking School at the University of Washington. He holds a Certified Treasury Professional (CTP®) designation from the Association for Financial Professionals.
Open banking was sold on a promise: APIs would unlock innovation, data sharing would empower consumers, and banks would discover new revenue streams. Five years in, the results are mixed. The institutions winning in open banking identify specific customer pain points first, then reverse-engineer the technology and partnerships to solve them profitably. Panelists will share how customer-first open banking strategies generate measurable returns through reduced acquisition costs, improved retention, strategic partnerships that expand market reach, and digital architectures built for long-term profitability.