Synchrony

Who We Are

We move businesses and customers in one direction: forward.
We move businesses and customers in one direction: forward.

Synchrony (NYSE: SYF) is a premier consumer financial services company delivering one of the industry’s most complete digitally-enabled product suites. Our experience, expertise and scale encompass a broad spectrum of industries including digital, health and wellness, retail, telecommunications, home, auto, powersports, pet and more. We have an established and diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers, which we refer to as our “partners.”  We connect our partners and consumers through our dynamic financial ecosystem and provide them with a diverse set of financing solutions and innovative digital capabilities to address their specific needs and deliver seamless, omnichannel experiences. We offer the right financing products to the right customers in their channel of choice.

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By The Numbers
    90 years of history, built one customer at a time
    $4.2B net earnings
    $62B in deposits
    $166B in sales
    More than 18K employees
    72.4M active customer accounts

Our Vision, Mission and Values

We’re proud to say we’ve built a culture that stands for strong Values and a shared Vision and Mission. It’s a core part of our DNA, and a bold declaration of our commitment to do the right thing: for our partners, for our customers, and for our team members.

Our Vision is to build a future where every ambition is within reach. And we work towards that each day by creating financial and technology solutions to move our customers and partners forward – we consider this our Mission.

Our Values mark our past, inform our actions every day, and inspire our future.

Meet Our Leadership
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Brian Doubles

President & CEO

“We're focused on results and delivering for our partners and customers. That’s the foundation of our future.”

Brian Doubles is President and Chief Executive Officer and a member of the Board of Directors of Synchrony, one of the nation’s premier consumer financial services companies. 

Brian was named CEO in 2021, after serving as President for two years and as Executive Vice President and Chief Financial Officer for 10 years. 

As President, Brian led the development of Synchrony’s long-term strategy, driving profitability and growth, while creating value for its partners and shareholders. In this role he focused on Synchrony’s continued leadership in digital payments, accelerating growth, driving the company’s strategic initiatives and transforming how Synchrony works. In addition, he led Synchrony’s strategic prioritization process, including efforts centered around accelerating Synchrony’s digital transformation and commercial strategies. Brian also led Synchrony’s work to elevate diversity and inclusion, focusing on driving enterprise-wide action and change in workforce development and inclusion; financial growth and wellness; and racial equality and social reform.

As CFO, he played a pivotal role in Synchrony’s initial public offering in 2014 and separation from GE in 2015. Brian has a proven track record operating in various economic cycles and has earned a strong reputation for his deep domain expertise, strategic thinking, and financial and risk discipline. Prior to Synchrony’s founding, Brian served in various roles of increasing responsibility and management at GE.

Brian is a member of the Business Roundtable and Bank Policy Institute. He is passionate about community and giving back. In 2015 he founded the “Doubles Dive,” an annual, global polar plunge event that raises money for various charitable organizations. 

He earned a bachelor’s degree in engineering from Michigan State University. He is married with two children.

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Brian Doubles President
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Margaret Keane

Executive Chair, Board of Directors

“When you combine our experience and agility, we help clients win.”

Margaret Keane is Executive Chair of the Board of Directors of Synchrony, one of the nation’s premier consumer financial services companies. She assumed this role in April 2021.

Margaret’s passion for emerging technology, innovation and employee development has solidified her reputation as a top leader in financial services. She has been consistently recognized as one of Fortune’s “Most Powerful Women” and American Banker’s “Most Powerful Women in Finance.” Fortune has also named Margaret to their “Businessperson of the Year” list and she’s been included as one of the “Most Influential Women in Finance” by Barron’s.

Previously, Margaret served as Chief Executive Officer and a member of the Board of Directors of Synchrony where she led the company’s initial public offering in 2014 and separation from GE in 2015. As CEO, she built Synchrony into a sustainable, innovative, and industry-leading business with an exceptional culture. Through her leadership and vision, she created a workplace committed to caring, inclusion and innovation at every level, while balancing the needs of all stakeholders—including Synchrony’s partners, customers, communities, shareholders and more than 16,000 employees. Under Margaret’s leadership, Synchrony grew to 170 on the Fortune 500 list and was consistently named among Fortune's Top 100 Best Companies to Work For.

During her 18-year career with GE Capital, where she led the retail card platform as President and CEO beginning in 2004. She later expanded her responsibilities in 2011 to become President and CEO of the GE Capital North American Retail Finance business. Earlier, she held leadership roles that spanned consumer finance, vendor financial services, operations, and quality. Margaret spent the first 16 years of her career at Citibank in various leadership roles. 

Margaret is dedicated to giving back to the community. As President of the Synchrony Foundation, Margaret has been instrumental in building Synchrony’s corporate citizenship platform and today helps to oversee its work focused on moving those in need forward. She also serves on the board and is passionately committed to the work of buildOn, a nonprofit dedicated to empowering urban youth to break the cycle of poverty, illiteracy, and low expectations.

Margaret serves on the Allstate Corporation Board of Directors and the Memorial Sloan Kettering Cancer Center’s Boards of Overseers and Patient Care Committee. She works closely with the Business Roundtable, working to promote a thriving U.S. economy and expanded opportunity for all Americans through sound public policy.

Margaret earned a bachelor’s degree and an MBA from St. John’s University and is a member of the St. John’s University Board of Trustees. She is married with two children.

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Margaret Keane Chief Executive Officer
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Michael Bopp

EVP, Chief Growth Officer

“Design thinking and advanced analytics are enabling us to personalize and improve the customer experience like never before.”

Michael Bopp is Executive Vice President and Chief Growth Officer of Synchrony, one of the nation’s premier consumer financial services companies.

In this role, Michael is responsible for driving growth for Synchrony by designing data-driven, consumer-focused offerings that are scaled across Synchrony’s portfolios. He manages the company’s innovation and commercialization of digital products and capabilities by blending analytics, design thinking, and technology to create seamless customer experiences. He also oversees an in-house agency that includes a network of product developers, data architects, designers, strategists, and marketers with deep industry expertise.

Michael joined Synchrony in 2018 where he led data and analytics and most recently was the Chief Customer Engagement Officer. As Chief Customer Engagement Officer, he led the efforts to create a seamless, integrated customer experience for Synchrony customers. Throughout his career, Michael has focused on the power of analytics to create data-informed solutions that are responsive to customer needs and preferences.

Prior to Synchrony, Michael was President and Chief Operating Officer at Argus Information and Advisory Services. Previously, he spearheaded analytics and pricing for the retail card division of GE Capital. Michael also worked at TD Ameritrade and started his career as a data analyst in the U.S. cards division at Citigroup, where he subsequently held a series of analytics leadership roles in finance and decision management.

Michael serves on the Data Science Standards Board of General Assembly, which aims to increase transparency and access to careers within the fast-growing field of data science.

Michael is the executive sponsor of Synchrony’s Asian Professional Engagement Network, one of eight Synchrony diversity networks that promote diversity and inclusion throughout the company.

He earned a bachelor’s degree in psychology from The Johns Hopkins University and a master’s degree in Industrial and Organizational Psychology from the University of Connecticut. Michael is married with three children.

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Michael Bopp EVP & Chief Customer Engagement Officer
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Alberto Casellas

EVP & CEO, Health & Wellness

“We’re committed to providing meaningful financial solutions and more to help enable care for consumers.”

Alberto (Beto) Casellas is Executive Vice President and Chief Executive Officer of the Health & Wellness platform of Synchrony, one of the nation’s premier consumer financial services companies.

As the CEO of Synchrony’s Health & Wellness platform, Beto is responsible for driving growth through comprehensive healthcare payments and financing solutions with a network of health providers and health systems. Beto oversees the CareCredit healthcare financing and medical credit card that is designed to provide financing to those seeking health and wellness care for themselves, their families and their pets. He also oversees Pets Best, a pet health insurance provider that helps people better manage the cost of caring for their pets.

He is focused on fueling Synchrony’s Health & Wellness platform growth through investments and the expansion of the business in its core markets as well as through an increased focus on wellness providers, health systems, hospitals and strategic technology partners. This includes the recent acquisition of Allegro Credit, a leading provider of point-of-sale consumer financing for audiology products and dental services.

Prior to this role, Beto served as Executive Vice President and Chief Customer Engagement Officer of Synchrony, focused on accelerating customer engagement and core analytics processes and initiatives across Synchrony platforms. Earlier, he served in numerous commercial, client facing and leadership roles in other Synchrony platforms. He began his career at GE, where he had roles of increasing responsibility in sales, operations and e-commerce.

Beto was born in Puerto Rico and is a champion for diversity and inclusion in the workplace. He is currently the executive sponsor for Synchrony’s Hispanic Network, one of eight Synchrony diversity networks that promote diversity and inclusion throughout the company. He also serves on the Board of Directors of Domus Kids, a nonprofit organization that helps thousands of disadvantaged children experience success.

Beto earned a bachelor’s degree in economics from Yale University.

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Alberto ‘Beto’ Casellas EVP & CEO, CareCredit
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DJ Casto

EVP, Chief Human Resources Officer

“Our culture is truly special.  We have created an environment where inclusion & development are not just initiatives, but enablers to our greatness.”

DJ Casto is Executive Vice President and Chief Human Resources Officer of Synchrony, one of the nation’s premier consumer financial services companies.

DJ is responsible for engaging employees in Synchrony’s strategic business imperatives and building people-led development programs that strengthen culture, drive business growth and nurture the company’s talent as a competitive advantage.

Previously, DJ led human resources for Synchrony’s global enterprise operations and served as HR client leader for the corporate governance functions, including credit, compliance, finance, internal audit, legal, regulatory and risk. In addition, DJ was a key leader driving the human resources and cultural aspects of Synchrony’s separation from GE in 2015.

He began his career at PepsiCo in human resources field operations, advancing to lead Labor and Employee Relations for the North American beverages business, where he managed union awareness strategies and programs. He was later responsible for global career development and succession planning as Senior Director of Global Organization Development.

DJ is passionate about helping every employee live Synchrony’s values and is committed to community service. He currently serves on the boards of Jobs for America’s Graduates (JAG) and buildOn, a nonprofit dedicated to empowering urban youth to transform their neighborhoods.

DJ earned a master’s degree in industrial relations and a bachelor’s degree in business administration from West Virginia University, where he serves on the Master of Science in Industrial Relations and Human Resources Executive Alumni Board. He is married with two children.

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DJ Casto EVP & Chief Human Resources Leader
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Henry Greig

EVP, Chief Credit Officer and Capital Management Leader

“Risk management is core to everything we do—striking a sustainable balance between risk and growth.”

Henry Greig is Executive Vice President, Chief Credit Officer and Capital Management Leader of Synchrony, one of the nation’s premier consumer financial services companies.

Henry has transformed Synchrony’s credit operation and decisioning with a comprehensive data-driven approach. In doing so, he has created a more seamless, technology-driven customer experience when applying for credit. Henry manages the balance between credit risk and growth for Synchrony through stress testing, capital planning and reserves/loss forecasting.

Previously, Henry served as Chief Risk Officer of Synchrony, where he developed Synchrony’s risk function and played a primary role in obtaining approval from a readiness standpoint from regulators during Synchrony’s separation from GE in 2015.

Prior to Synchrony’s founding, Henry had a 25-year career where he held various leadership roles in GE’s retail finance business, including modeling and analysis, risk management, consumer acquisitions and database marketing.

Henry earned a bachelor’s degree in mathematics from Bowdoin College and a master’s degree in applied mathematics from Rensselaer Polytechnic Institute. He is married with two children.

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Henry Greig EVP, Chief Credit Officer and Capital Management Leader
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Curtis Howse

EVP & Chief Executive Officer, Home & Auto

“Connecting with our partners and consumers is our unique differentiator. Providing experiences, capabilities and products will delight our consumers in new and engaging ways”

Curtis Howse is Executive Vice President and Chief Executive Officer of the Home & Auto platform at Synchrony, one of the nation’s premier consumer financial services companies.

Curtis is responsible for offering comprehensive payments and financing solutions for purchases across a broad network of home and auto merchants. Curtis is focused on helping consumers manage, maintain, and improve their homes and vehicles with a variety of financial products that are easy to afford and use.

Curtis has more than 25 years of experience in consumer finance. Curtis has held multiple senior leadership roles at Synchrony including the EVP and CEO of Payment Solutions and the EVP and Head of Direct-to-Consumer. In this role, Curtis drove growth and digital innovation for Synchrony Bank, a $63B+ consumer bank platform offering an array of deposit and savings solutions, as well as the Synchrony Mastercard. Additionally, Curtis was Senior Vice President and General Manager of the Diversified Client Group at Synchrony, overseeing several key partner portfolios.

Prior to Synchrony’s separation from GE in 2015, Curtis held roles in operations, business development and general management at GE’s Commercial and Consumer Finance divisions. This included serving as CEO for GE Money Mexico and leading various business units in the U.S., Argentina, Brazil and Canada.

Curtis is an executive sponsor of Synchrony’s African American Diversity Network, one of eight Synchrony diversity networks that promote diversity and inclusion throughout the company. He also serves on the Business Advisory Board of the College of Business at Dillard University and is a member of the Executive Leadership Council. Curtis was recently named one of Savoy Magazine’s Most Influential Black Executives in Corporate America.

Curtis earned a bachelor’s degree in computer information systems from DeVry University.

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Curtis Howse EVP & Head of Direct to Consumer
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Carol Juel

EVP, Chief Technology and Operating Officer

“We’re passionate about how technology can transform and grow our business. Payments innovation is a key focus.”

Carol Juel is Executive Vice President, Chief Technology and Operating Officer of Synchrony, one of the nation’s premier consumer financial services companies.

As a business leader and technologist, Carol is responsible for building Synchrony’s technology and operations strategy, including the company’s focus on end-to-end technology and operations solutions, creating seamless customer experiences, driving how the company will operate and modernizing engagement with millions of cardholders. During her more than 25-year career, Carol has played a significant role in the development of innovative Synchrony solutions for its partners, customers and employees. Carol is responsible for continuing to evolve new ways of working, including the company’s agile approach to promote speed and drive innovation. 

Prior to being named Chief Technology and Operating Officer, Carol was Synchrony’s first Chief Information Officer leading the company’s overall information technology strategy and digital transformation focused on hybrid cloud and AI. She and her team also created leading payment and financing solutions for partners and customers. 

Prior to Synchrony’s separation from GE in 2015, Carol served as Chief Information Officer of GE Capital Retail Finance. In her 10 years with GE, she held a variety of senior leadership roles in technology governance, security, business development, digital and marketing. Before joining GE, Carol was a technology consultant at Accenture where she focused on the financial services sector, developing technology initiatives that drove growth, and operational excellence for clients.

Carol is a passionate advocate for helping employees grow their careers, with a focus on advancing women in technology. Carol was appointed to board chair of Girls Who Code, a nonprofit helping to close the gender gap in technology, and she is the executive sponsor of the Synchrony’s Girls Who Code Summer Immersion and Club Programs. She also serves as the executive sponsor of Synchrony’s Women’s Network, one of eight Synchrony diversity networks which promote diversity, inclusion and belonging throughout the company.

She currently serves on the board of Brighthouse Financial and is a member of the Advisory Board for the University of Connecticut’s School of Engineering, the CNBC Technology Executive Council and the Fast Company Impact Council.

Carol was honored by American Banker as a Most Powerful Woman in Banking Standout in 2021, by the National Diversity Council as one of the Most Powerful Women in Technology in 2021, by ORBIE as the 2019 CIO of the Year and was named one of the most “Influential Women in Payments” by PaymentsSource in 2016 and 2017.

Carol earned a bachelor’s degree from the College of the Holy Cross.

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Carol Juel EVP & Chief Information Officer
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Mark Martinelli

EVP, Chief Audit Executive

“Everyone is focused on doing what is right for our customers and clients with courageous integrity.”

Mark Martinelli is Executive Vice President and Chief Audit Executive of Synchrony, one of the nation’s premier consumer financial services companies.

Mark leads Synchrony’s internal audit function, which he built after the company’s separation from GE in 2015. His team oversees audit practices over risk, compliance, finance, operations and technology – including cloud, mobile technology and innovation.

Mark has expanded the use of digital and data analytics capabilities to drive audit decision making as it continues to align to Synchrony’s emerging risks and needs. Mark is leading a cultural shift in audit by infusing data analytics and AI into the team’s work to drive innovation and free up time for higher-value projects for the business.

Mark began his career with KPMG as a senior manager. Prior to Synchrony, Mark had a 15-year career at HSBC where he was Senior Executive Vice President and Chief Auditor for North American operations. Prior to that he was President and Chief Executive Officer of HSBC.com, having previously served as its Chief Financial Officer and in other senior finance and strategy roles.

A certified public accountant registered in New York state, Mark is a chartered global management accountant and a certified anti-money laundering specialist. He serves as a director on both the Baruch College Fund Board of Trustees and Audit Committee and was Audit Committee Chairman from 2011 to 2014. Mark is Chairman of the New York State Society of CPA’s Internal Audit Committee and also serves as a member of the Future of Accounting Education Committee.

Mark earned a bachelor’s degree in accounting from St. John’s University where he serves on the Department of Accounting and Taxation Executive Advisory Board. Mark is married with three children.

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Mark Martinelli EVP & Chief Audit Executive
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Trish Mosconi

EVP, Chief Strategy Officer and Corporate Development Leader

“Synchrony's strategic vision serves as our compass to help us confidently develop and deliver the best experience for our customers and clients.”

Trish Mosconi is Executive Vice President, Chief Strategy Officer and Corporate Development for Synchrony and a member of the company’s Executive Leadership Team. In this role, Trish is responsible for defining, developing, and executing Synchrony’s overall strategic vision with a focus on driving long-term strategic growth. As part of her responsibilities, Trish leads Synchrony’s enterprise and platform strategy, merger and acquisition (M&A) activities, network partnerships, and corporate venture arm, Synchrony Ventures.

Since joining Synchrony in early 2018, Trish has defined, developed, and is leading growth across the enterprise with a holistic build, invest, partner, and buy strategy. She is responsible for developing and driving strategic initiatives to deliver long-term growth at Synchrony. To further propel Synchrony’s long-term growth, Trish leads both Synchrony’s M&A activities, which focuses on proactively seeking inorganic opportunities, and Synchrony Ventures, which identifies and invests in high potential, early stage companies. While at Synchrony, Trish has led four acquisition transactions and more than a dozen venture investments for Synchrony.

Trish joined Synchrony from BlackRock where she was Managing Director for the Financial Markets Advisory Group and leader of the Strategic Consulting practice. Prior to joining BlackRock in 2016, Trish had more than two decades of consulting experience in financial services, retail, consumer, high tech, and various service-based industries.  Trish was a senior level Partner and Managing Director in the Financial Services practice at the Boston Consulting Group for six years where she co-led the financial services transformation and technology practice responsible for leading multiple large-scale global business transformation efforts. Prior to BCG, Trish was a Partner at McKinsey & Company for 11 years where she held several leadership roles in the Financial Services and Technology and Operations practices.

Trish received her MBA from Columbia University, and has a BS in Business and Economics from Lehigh University.

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Trish Mosconi EVP, Business Strategy and Development
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Jonathan Mothner

EVP, General Counsel & Secretary

“Treating our customers well is fundamental to our mission.”

Jonathan (Jon) Mothner is Executive Vice President, General Counsel and Secretary of Synchrony, one of the nation’s premier consumer financial services companies.

Jon oversees all legal activities for Synchrony, including government affairs, securities law, labor and employment, privacy and litigation. He played an instrumental role in Synchrony’s initial public offering in 2014 and separation from GE in 2015.

Prior to Synchrony’s separation from GE in 2015, Jon was General Counsel for GE Capital’s North American retail finance business. He also served as Chief Litigation Counsel and Chief Compliance Officer for GE’s global consumer finance business. His experience with GE Capital dates to 2000, when he joined the global consumer finance business as Litigation Counsel.

Earlier in his career, Jon was a federal prosecutor with the U.S. Attorney’s Office in the Eastern District of New York, where he specialized in investigating and prosecuting federal crimes, including securities fraud, money laundering and bank fraud. Jon also worked in the litigation group with a private law firm and clerked for a U.S. District Court Judge in Delaware.

Jon is a board member of the Pro Bono Partnership, a nationally recognized provider of free business and transactional legal services to nonprofits, and is a member of the American Law Institute.

Jon earned a bachelor’s degree in economics at Hobart College and a law degree from the New York University School of Law. He is married with two children.

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Jonathan Mothner EVP, General Counsel & Secretary
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Tom Quindlen

EVP & CEO, Diversified & Value and Lifestyle Platforms

“We’re always thinking about how to improve the experience—for our clients and their customers.”

Thomas (Tom) Quindlen is Executive Vice President and Chief Executive Officer of the Diversified & Value and Lifestyle platforms at Synchrony, one of the nation’s premier consumer financial services companies. 

In this role, he helps partners with payments and financing solutions across a variety of industries including retail, sporting goods, power sports, apparel, jewelry and music.  He leads teams who deliver customized financing programs, multi-channel shopping experiences and loyalty solutions.  Tom is known for his strong consumer and commercial finance expertise and the deep relationships he fosters with partners.

Prior to this role, Tom was the EVP and CEO of Synchrony’s Retail Card platform, where he oversaw the growth of key Synchrony partners focused on providing financing solutions, including private label credit cards, Dual Cards™ and co-brand cards across various industries.

Prior to Synchrony’s founding, Tom served in various leadership positions for GE Capital, including Chief Executive Officer of Corporate Finance, President of Corporate Lending, Chief Executive Officer of Commercial Financial Services, President and Chief Executive Officer of Franchise Finance, and Senior Vice President of Global Six Sigma for Commercial Equipment Financing. At GE, Tom gained global leadership experience through various leadership positions in Tokyo and London.

Tom has a passion for community service and has served as a Corporate Citizenship Leader and campaign co-leader for the United Way. He is a board member of the Junior Achievement of Southwest Connecticut and of the Family Children’s Aid Trust.

He earned a bachelor’s degree in accounting from Villanova University, where he serves on the Board of Trustees and the Board of Regents.

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Tom Quindlen EVP & CEO, Retail Card
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Bart Schaller

EVP & Chief Executive Officer, Digital

“It starts with our partner-centric model and from there it’s all about providing their customers the best integrated experience we can to drive value, loyalty and sales.”

Bart Schaller is Executive Vice President and Chief Executive Officer of the Digital platform at Synchrony, one of the nation’s premier consumer financial services companies.

Bart is responsible for providing comprehensive payment and financing solutions to partners and merchants who primarily engage with their consumers through digital channels.

Prior to this role, Bart was the Chief Marketing Officer of Synchrony where he led a team focused on innovation and driving growth for Synchrony through the development of new products, channels, and value propositions. Earlier, he led Synchrony’s Business Development team where he oversaw new partner programs, sales activities, strategic investments, and mergers and acquisitions opportunities. He founded Synchrony’s corporate venture team.

Prior to Synchrony’s separation from GE in 2015, Bart was Vice President and General Manager for GE Retail Consumer Finance, where he was responsible for the overall growth and performance of card programs and relationship development with retail partners. He was Vice President of Marketing, working with several large retailers and held prior roles in operations, marketing and client development.

Bart is an executive sponsor of Synchrony’s People with Disabilities Network, one of eight Synchrony diversity networks that promote diversity and inclusion throughout the company.

Bart earned a bachelor’s degree in business administration from Southern Methodist University, where he serves on the Cox School of Business Alumni Board.

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Bart Schaller EVP & Chief Marketing Officer
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Brian J. Wenzel Sr.

EVP, Chief Financial Officer

“To deliver on long term success – we must continue to execute on financial and strategic growth”

Brian Wenzel is Executive Vice President and Chief Financial Officer of Synchrony, one of the nation’s premier consumer financial services companies.

As CFO, Brian ensures the continued execution of Synchrony’s financial and growth objectives, bringing a deep understanding of Synchrony’s business, people and partners to help drive sustainable earnings and long-term strategic objectives. His responsibilities include accounting and controllership, financial planning and analysis, tax, investor relations and treasury, the consumer bank, sourcing and real estate. 

Prior to his current role, Brian was Synchrony’s Deputy Chief Financial Officer, and earlier, the Chief Financial Officer of the Retail Card platform. He was an integral part of the Retail Card leadership team, helping develop and expand key partnerships, while having responsibility for strategic plans, quarterly operating results and financial management of new and existing relationships.  Brian continued to strategically diversify and expand this platform to best optimize growth for Synchrony and its partners.

Brian also held roles in business development, growth and investments for Synchrony. Prior to Synchrony’s founding, he held several roles in financial planning and analysis, treasury, pricing and controllership for various divisions at GE. Earlier, Brian worked for PricewaterhouseCoopers and held various roles in a start-up healthcare venture.

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Brian J. Wenzel Sr. EVP & Chief Financial Officer
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Paul Whynott

EVP, Chief Risk Officer

“Earning and maintaining clients' and customers' trust is essential for achieving our business objectives and meeting regulatory standards.”

Paul Whynott is Executive Vice President and Chief Risk Officer of Synchrony, one of the nation’s premier consumer financial services companies.

Paul leads Synchrony’s risk function, defining and implementing standards for the identification, management, measurement, monitoring and reporting of risk. He is responsible for aligning an appropriate risk appetite that is approved by the Synchrony Financial Board of Directors.

He initially joined Synchrony as Chief Regulatory Officer, responsible for ensuring Synchrony met all regulatory expectations. He also oversaw compliance, supervisory affairs and regulatory strategy.

Prior to Synchrony, Paul spent 21 years at the Federal Reserve Bank New York (FRBNY), where he held various leadership positions. He was Senior Vice President overseeing FRBNY’s Financial Institution Supervision Group, serving as the Senior Supervising Officer for Citigroup. Prior to that role, Paul oversaw FRBNY’s supervisory role for U.S. Operations for UBS and was FRBNY’s lead onsite supervisor for JPMorgan Chase and the Bank of New York Mellon.

Paul is the executive sponsor of Synchrony’s LGBTQ+ Diversity Network, one of eight Synchrony diversity networks which promote diversity and inclusion throughout the company, and is a supporter of the Special Olympics Connecticut.

Paul earned a bachelor’s degree in economics from Connecticut College and an MBA in Finance from Columbia University. He is married with two children.

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Paul Whynott EVP & Chief Risk Officer

Awards

  • 2021

    • 2021 Corporate Equality Index
      Corporate Equality Index 2021
    • Best Places to Work for LGBTQ Equality 2021
      Best Places to Work for LGBTQ Equality 2021
    • Fortune 100 Best Companies To Work
      Fortune 100 Best Companies to Work For® 2021
  • 2020

    • Best Workplaces for Parents
      Best Workplaces for Parents 2020
    • Best Workplaces in Chicago 2020
      Best Workplaces in Chicago 2020
    • 2020 Corporate Equality Index
      Corporate Equality Index 2020
    • Americas Most JUST Forbes 2020
      Americas Most JUST Forbes
    • American Banker Most Powerful Women Finance
      American Banker Most Powerful Women for 13 Consecutive Years

      (Margaret Keane)

    • Best for Vets Employers, 2020 Military Times
      Best for Vets Employers, 2020 Military Times
  • 2019

    • Benchmark Portal Top Contact Center
      Benchmark Portal Top Contact Center 2019

      (1st Place)

    • Benchmark Portal Certified Center
      Benchmark Portal Certified for 7 Consecutive Years
    • Great Place to Work
      Great Place to Work 2019 for Financial Services & Insurance
    • BestWorkPlaces
      Best Workplaces for Diversity 2019
    • Best Workplaces in New York 2019
      Best Workplaces in New York 2019
    • Best Place to Work for Disability Inclusion 2019
      Best Place to Work for Disability Inclusion 2019
    • Best Place to Work for Women India 2019
      Best Place to Work for Women India 2019
    • Great Place to Work 2019
      Great Place to Work 2019
    • Great Place to Work India 2019
      Great PlaceTo Work India Economic Times
    • Patriot Award
      Patriot Award 2019

    Innovation

    Synchrony logo on glass door
    How We Innovate.

    We're shaping the future of retail financing and customer engagement every day. How? We combine technology and analytics to stay ahead of emerging trends, then pilot new programs and partnerships to deliver innovative solutions fast.

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    Corporate Citizenship

    People in a classroom
    Citizenship at Synchrony: Community Engagement through Corporate Stewardship.

    Corporate responsibility at Synchrony is much more than monetary dollars, it’s sharing our skills and expertise with our greater community and making the world a better place. COVID-19 didn’t dampen Synchrony’s spirit of caring, nor did it stop us from supporting communities in their greatest hour of need. Responding to the pandemic, we focused on relieving hunger, preventing family homelessness and helping small businesses, all the while, continuing our stand against racial injustice.​

    “The pandemic has deepened economic inequality and accelerated demands for a reskilled and upskilled workforce. We believe everyone should have access to education and skills training, which are essential for driving an inclusive recovery, growing our economy and securing a strong financial future.” – Brian Doubles, President and CEO of Synchrony​

    In May 2021, we introduced Education as an Equalizer, a new $50 million, five-year initiative to expand access to higher education, skills training in high-growth fields and financial literacy for underserved communities and Synchrony employees.

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    Diversity and Inclusion

    Synchrony Diversity
    Altogether Better Uniting for Inclusion.

    True diversity is more than talk. It's connecting, coming together and turning ideals into action. We're committed to inclusion–with programs built on honest interaction and collaboration. Together, we build bridges that help us all work better.

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    Annual Report

    Man and woman working

    Synchrony’s record financial results for 2021 are attributed to our deep partnership model, superb underwriting capabilities, improved consumer spending and strong credit performance.

    Our focus on driving sustainable growth at appropriate risk-adjusted returns, coupled with the scalability of our technology platform and continued cost discipline, allowed us to achieve strong returns while continuing to invest for the future and returning $3.4 billion to shareholders.

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    Environmental, Social and Governance Report

    Corporate Social Responsibility

    Our Board of Directors, our executive team and our more than 18,000 employees work together to create long-term value for our stakeholders. We believe thoughtful stewardship of ESG topics that meaningfully impact our company and our stakeholders is the right thing to do. That stewardship can also reduce risks and create sustainable value for our customers, partners, employees, suppliers and communities. Synchrony strives to maintain high standards of corporate governance, transparency, equity, diversity, inclusion and ethical behavior.

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    Task Force on Climate-related Financial Disclosures Report

    TCFD Report

    We believe implementation of the TFCD recommendations over the coming years will enhance our efforts to address climate risk by sharpening our focus and promoting integration of climate-related risk and opportunity consideration in our business processes. As a result, we believe the publication of our inaugural report under the TFCD recommendations marks a significant milestone in our journey.

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