Head of Digital Product and Design
Santander
Kristen Bibby is Senior Vice President and Head of Digital Product & Design for Santander’s U.S. digital bank, Openbank, where she leads digital product strategy and customer experience across its growing portfolio of consumer products.
Kristen has spent her career building and scaling innovative digital products at the intersection of technology and financial services. Prior to Santander, she was Managing Director and Head of Product for J.P. Morgan’s Capital Connect, where she led development of a digital investment banking platform leveraging software and AI. Earlier, she led fintech product development at Toast and held several product leadership roles at Goldman Sachs, including leading the team responsible for defining and building the end-to-end Apple Card experience.
Kristen brings a multidisciplinary perspective spanning product strategy, design, technology, marketing, and customer research, with a particular focus on building high-performing product organizations and using technology to reimagine complex customer experiences.
The best digital products are rarely built by one business unit alone. They emerge when leaders across product, technology, operations, risk, data, compliance, and the business unite around a shared customer need or market opportunity. This roundtable explores how women leaders can build internal alliances, break down silos, secure executive sponsorship, and lead cross-functional innovation that accelerates product development, drives measurable business results, and strengthens competitive advantage.