Melissa Ballenger

Journey from Traditional Banking to the New Wave of Financial Services

In the following presentation, Melissa Ballenger, CFO of Cross River, will discuss her journey from legacy banks and financial institutions to the new wave of fintech at Cross River. As a fast-growing financial services organization that merges the established expertise and traditional services of a bank with the forward-thinking offerings of a technology company, Cross River combines a comprehensive suite of products into a unique Banking-as-a-Platform solution, encompassing lending, payments and risk management. With 20+ years of finance and banking experience in an ever-changing environment, Mrs. Ballenger will not only speak to the shift in banking, but she will also touch upon her experience as a women in the industry.

Ms. Ballenger is a seasoned global finance executive, who joins Cross River with more than 25 years of financial experience including consumer banking, payments, commercial banking, mortgages, and investment servicing and management. She most recently served as the Executive Vice President, Chief Financial Officer of Europe, Middle East and Africa (EMEA), based in London, for State Street Corporation, a world leading provider of financial services to institutional investors, and as a Board director of European commercial entities. Prior to that, Ms. Ballenger served as Executive Vice President and Chief Financial Officer for Santander Bank, N.A., before becoming EVP, Chief Business Control Officer for Santander US. Previously, she held senior leadership positions in other public companies, including EVP, Deputy Chief Financial Officer for TD Bank, N.A.; Controller and Principal Accounting Officer at MasterCard Worldwide and at Washington Mutual Bank; and senior financial positions at Freddie Mac. Ms. Ballenger began her career with Arthur Andersen in Washington, D.C., rising to audit manager serving institutions in a variety of industries. She is a certified public accountant, and graduated summa cum laude from the College of William and Mary in Virginia with a Bachelors in Business Administration in Accounting.

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