What We Do

Synchrony What We Do

Synchrony Financial (NYSE:  SYF) is one of the nation's premier consumer financial services companies.  Our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the United States based on volume and receivables.1

We provide a range of credit products through programs we have established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for our partners and offer financial flexiblity to our customers.  

Through our partners' over 365,000 locations across the United States and Canada, and their websites and mobile applications, we offer our customers a variety of credit products to finance the purchases of goods and services.

Synchrony Financial offers private label and co-branded Dual Card™ credit cards, promotional financing and installment lending, loyalty programs and FDIC-insured savings products through Synchrony Bank.  

1Nilson Report (June 2017, Issue # 1112) - based on 2016 data.

working for a company

“Synchrony Financial is a great place to work because of the amazing benefits, opportunities for advancement and diversity.”

Justin Tramber, Fraud
By The Numbers

Our Values

We’re proud to say we’ve built a culture that stands for strong values and a shared purpose. 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 purpose is to pioneer the future of financing, improving the success of every business we serve and the quality of each life we touch.

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

Synchrony Honesty

Honesty

Honesty Value

“Honesty means doing the right thing when no one is looking.”

Sandeep Virk, Risk
Synchrony Responsability

Responsibility

Synchrony Responsability

“Responsibility is owning my actions.”

Amanda Puckett, Collections
Synchrony Passion

Passion

Synchrony Passion

“Passion gets you out of bed in the morning.”

Greg Wigent, Sales
Synchrony Caring

Caring

Synchrony Caring

“Caring is lifting one another up.”

Pam Branham, Information Technology
Synchrony Driven

Driven

Synchrony Driven

“Driven means always moving, doing, reaching.”

Behunco Kinder, Human Resources
Synchrony Bold

Bold

Synchrony Bold

“Being bold means thinking differently, challenging the status quo.”

John Murphy, Finance
Meet Our Leadership
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Margaret Keane

President & Chief Executive Officer

Synchrony Financial

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

ABOUT

As President and Chief Executive Officer of Synchrony Financial, Margaret Keane brings with her a passion for emerging technology and employee development, both of which have solidified her reputation as a leader in the field.

Margaret led the Retail Card platform at GE Capital as President and CEO beginning in 2004, later expanding her responsibilities to become President and CEO of the GE Capital Retail Finance business in 2011. In her 18 years at GE Capital, she held additional leadership roles spanning consumer finance, vendor financial services, operations and quality. She began her career at Citibank, where she provided leadership in Sales, Marketing and Operations over the course of 16 years.

As a leader, Margaret is also known for championing her employees, having initiated several development programs at GE Capital and serving on the cabinet of the GE Women’s Network. She expanded the business focus on ecommerce and mobile capabilities, developing new tools for business clients and consumers alike.

HIGHLIGHTS

  • Named to Fortune's "Businessperson of the Year" list in 2016 (#33).
  • Named to Fortune’s ‟Most Powerful Women” list in 2016 (#29) and 2015 (#33).
  • Named one of American Banker’s ‟Top 25 Most Powerful Women in Finance” for 10 consecutive years (#5 in 2016).
  • Served on the cabinet of GE Women’s Network.
  • Earned an MBA in Marketing and a Bachelor's degree in Political Science from St. John’s University.
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Alberto ‘Beto’ Casellas

EVP & Chief Customer Engagement Officer

Synchrony Financial

“We leverage technology, data and analytics to improve the moments that matter to our customers and optimize value for our clients and partners.”

ABOUT

Alberto ‘Beto’ Casellas brings nearly three decades of experience to his role as Executive Vice President and Chief Customer Engagement Officer. Beto has held this role since 2016, focusing on accelerating customer engagement and core analytics processes and initiatives across Synchrony Financial. His deep domain expertise, general management experience and proven relationship and project skills are critical to driving higher cardholder and partner engagement.

Most recently, Beto served as SVP, Retail Card Client Initiatives Group, concentrating on client strategic growth initiatives for the business. Beto joined GE in 1990, and has held leadership assignments in sales, operations, P&L leadership and e-commerce in various businesses throughout GE, including GE Supply, GE Structured Services and GE Capital. He also held global operations assignments in Argentina and Brazil. A native of Puerto Rico, he is fluent in Spanish.

HIGHLIGHTS

  • Earned a Bachelor’s degree in Economics from Yale University.
  • Operating leader for Synchrony Financial Hispanic Network.
  • Serves on the Board of Directors of Domus Kids, a Stamford, CT nonprofit that helps the area’s most vulnerable, high-risk youth experience success.
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Marc Chini

EVP & Human Resources Leader

Synchrony Financial

“Spending time with our team inspires me. They are experts in their disciplines, with such enthusiasm for what they do.”

ABOUT

Marc Chini is Executive Vice President and Human Resources Leader of Synchrony Financial, where he leverages his deep human resources experience amassed during his 30+ year career. As HR Leader, he advocates for strong programs to support employees such as providing training opportunities for continued growth. Marc joined Synchrony Financial in 2014 from GE where he was Vice President, Human Resources, covering business development, commercial communications, IT, legal, sourcing, HR and global talent recruitment reporting to General Electric Company.

Since joining GE Medical Systems in 1984 at a magnetic resonance plant start-up in Florence, South Carolina, he has worked for GE in various capacities. In 1998, he was named an officer of General Electric Company and was Vice President, Human Resources for GE Aviation. His earlier GE roles included Vice President of Human Resources for the then newly formed GE Infrastructure business, which included aviation, locomotive, energy, oil & gas, water, and two GE Capital operations – aviation leasing and energy investments. Marc was also EVP, Human Resources, for NBC Universal, a global media company before moving to GE Corporate with the sale of NBC Universal. Marc’s earlier career roles included HR roles at McGraw-Edison and Liberty Life.

HIGHLIGHTS

  • Earned a Bachelor’s of Science degree in Business Administration and a Master’s of Science degree in Industrial Relations from West Virginia University.
  • Serves as a Board member of the Moore School of Business’ Riegel & Emory Human Resources Center; actively supports the Moore School’s human resources program.
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Brian Doubles

EVP & Chief Financial Officer

Synchrony Financial

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

ABOUT

Brian D. Doubles has been our Executive Vice President, Chief Financial Officer since February 2014. He served as Chief Financial Officer of GE's North American retail finance business since January 2009 and as a member of the Board of Directors of the Bank since 2009. Brian has a proven track record operating in various economic cycles and has earned a strong reputation for his deep domain expertise and financial and risk discipline.

From July 2008 to January 2009, Brian served as Vice President of Financial Planning and Analysis of GE's global consumer finance business. From March 2007 to July 2008, Brian led the wind down of GE's U.S. mortgage business (WMC Mortgage) as Chief Financial Officer and subsequently Chief Executive Officer. From May 2006 to March 2007, Brian served as Vice President Financial Planning and Analysis of GE's North American retail finance business. From January 2001 to May 2006, he served in roles of increasing responsibility for GE's internal audit staff. From February 1998 to January 2001, he held various roles as part of a GE management leadership program.  Brian was named a GECC Officer in 2009.  Brian received a B.S. in Engineering from Michigan State University.

HIGHLIGHTS

  • Named one of "40 under 40 Outstanding Financial Executives" by Treasury & Risk, 2010
  • Earned a Bachelor’s degree in Engineering from Michigan State University
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Dave Fasoli

EVP & CEO, CareCredit

Synchrony Financial

“Providing solutions that create customer value is core to our culture.”

ABOUT

Dave Fasoli has been Executive Vice President and Chief Executive Officer of our CareCredit platform since February 2014 and has served as President and Chief Executive Officer of the CareCredit platform of GE’s North American retail finance business since March 2008. Dave has been involved in three significant business acquisitions and integrations including CareCredit. His cross-functional expertise, leadership and growth mindset have consistently driven results.

From June 2003 to March 2008, he served as General Manager of the Home and Recreational Products business of GE’s North American retail finance business, where he and his team generated innovative financing solutions across five different industries, promoting strong growth and profitability.

Prior to June 2003, Dave served as Vice President of Client Development of GE’s North American retail finance business and held several positions of increasing responsibility within GE and GE’s North American retail finance business in Finance, Client Development, Business Integration and Quality.

HIGHLIGHTS

  • Earned a Bachelor’s degree from the State University of New York at Albany.
  • Named a GECC Officer in 2007.
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Henry Greig

EVP & Chief Risk Officer

Synchrony Financial

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

ABOUT

As the Chief Risk Officer for Synchrony Financial, Henry Greig is responsible for all consumer and commercial risk for the company. This includes private label and bankcard portfolios with tens of billions in assets as well as retail deposits.

During his 25 years with GE, he has held various leadership roles in the consumer finance business, including Modeling & Analysis, Risk Management, Consumer Acquisitions and Database Marketing.

Henry’s deep expertise in consumer finance has been credited for providing stability for the business in a challenging economic climate. In 2009, he was recognized for Risk Excellence by the Chairman and CEO of GE Capital for his contributions to the success of the business.

HIGHLIGHTS

  • Earned a Master’s degree in Applied Mathematics from Rensselaer Polytechnic Institute and a Bachelor’s degree in Mathematics from Bowdoin College.
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Kurt Grossheim

EVP & Chief Operating Officer

Synchrony Financial

“It is rewarding to be part of an organization so focused on winning for our clients, customers and employees.”

ABOUT

As the Chief Operating Officer for Synchrony Financial, Kurt Grossheim brings a breadth of leadership experience to the role.  His career has spanned both domestic and international consumer lending, as well as leadership roles in operations, business integration, risk management, and business development. His experience includes being a General Manager for one of GE’s credit card portfolios with a few hundred locations. Kurt also has led GE Capital Bank in Austria as CEO, from 2002-2004, and served as Chief Operations Officer of GE Service Bank in Germany. He has served as the Risk Management Leader for Colonial Penn Insurance, and held numerous other positions since joining GE in 1990.

HIGHLIGHTS

  • Earned a degree in Business Administration from the University of Notre Dame. 
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Carol Juel

EVP & Chief Information Officer

Synchrony Financial

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

ABOUT

As the Chief Information Officer of Synchrony Financial, Carol drives our overall Information Technology strategy and vision, with a continuous focus on payments innovation. As CIO, Carol leads growth for our company, our clients and customers by delivering innovative solutions, driving the company’s digital transformation, and developing strong technology partnerships.

Prior to Synchrony Financial, Carol served as CIO of GE Capital Retail Finance. In her ten years with GE, Carol held a variety of senior leadership roles, focused on IT Governance, Security, Business Development, Digital and Marketing. Before joining GE, Carol spent nearly a decade in technology consulting at Accenture. She focused on the financial services sector, delivering strategic and complex technology initiatives to drive growth and operational excellence for clients.

Carol is committed to diversity in the workplace and mentoring women in technology, serving as the executive sponsor of Synchrony Financial’s Women’s network and our Summer Immersion Program for Girls Who Code. She chairs the Technology Working Group and co-chairs the Innovation Steering Committee at Synchrony Financial. Named one of the most Influential Women in Payments in 2016, Carol is passionate about driving a culture of innovation at Synchrony Financial.

Throughout her more than 20 years in Information Technology, Carol has leveraged her deep technology and financial services background to develop creative technology solutions to meet the needs of customers and clients.

HIGHLIGHTS

  • Earned a Bachelor’s degree from College of the Holy Cross.
  • Mentor to Women in Technology.
  • Named one of the 25 Most Influential Women in Payments (PaymentsSource 2016 and 2017).
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Glenn Marino

EVP, CEO of Payment Solutions & Chief Commercial Officer

Synchrony Financial

“We bring deep industry knowledge to our clients, providing financing solutions for their customers and ideas to grow their business.”

ABOUT

In 20+ years of retail financing and banking, Glenn Marino has proven to be a leader in driving growth for both his team and his clients.

As Executive Vice President and CEO of Payment Solutions, Glenn leads the platform by championing new growth through several business and portfolio acquisitions, and through the creation of hundreds of new relationships. He also led efforts for Sales Force Effectiveness, Access GE and GE Advantage as the Chief Commercial Leader for GE Capital Retail Finance.

Glenn joined GE in 1996 and held multiple leadership positions throughout the company, including positions in Risk, Business Development and Operations. Before joining GE, Glenn held various roles at Citigroup U.S. Retail banking and began his career at Xerox Corporation.

HIGHLIGHTS

  • Named a GE Officer in 2006.
  • Earned a Bachelor’s degree from Syracuse University and an MBA from University of Michigan.
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Mark Martinelli

EVP & Chief Audit Executive

Synchrony Financial

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

ABOUT

Mark Martinelli brings 30 years of financial services experience and deep audit expertise to his role as Chief Audit Executive at Synchrony Financial. He is responsible for strengthening and expanding the Synchrony Financial Internal Audit Function, including Risk, Compliance, Finance, Ops, Technology and Audit Practices, as well as ensuring we remain well positioned as a regulated and publicly traded company.

Mark has a proven track record of leading diverse and challenging functions. In his previous position at HSBC North American Holdings, he held the role of SEVP & Chief Auditor for North American operations, auditing the strategy, reporting and regulation of $400 billion in assets. He joined HSBC in 1999 and held positions of increasing responsibility during his 15-year tenure, including SVP and director of financial planning, CFO and Chief Administration Officer, and President and CEO of HSBC.com. Earlier career positions include roles with Republic National Bank of New York, and KPMG’s Financial Services practice.

HIGHLIGHTS

  • Earned a Bachelor’s degree in Accounting from St. John’s University.
  • Licensed as a Certified Public Accountant registered in NYS and a Chartered Global Management Accountant.
  • Certified as an Anti-Money Laundering Specialist.
  • Serves on the Board of Trustees and the Audit Committee for the Baruch College Fund, and as an Advisory Board Member to St. John’s University Dept. of Accounting and Tax.
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Neeraj Mehta

EVP, Business Strategy & Development

Synchrony Financial

“We continually scan the industry for opportunities that fit with our strategic plan that will grow our business and provide a positive experience for our partners and customers.”

ABOUT

Neeraj Mehta plays a key role as the EVP, Business Strategy and Development. With more than 20 years of experience, Neeraj leads our corporate view on payments, strategy, strategic partnerships, potential investments and network relationships

Neeraj joined GE in 1996 and rose through GE’s Corporate Financial Services business to become Vice President and Officer of the GE Company. Most recently, he was President and CEO of GE Capital, Commercial Distribution Finance (CDF) where he launched several new products to meet customer needs, increasing operating income and assets over his tenure. Previously, Neeraj was the President and CEO of the Bank Loan Group (BLG) for GE Capital, Americas, which was a leading institutional investor in syndicated bank loan facilities and special situations. He built a similar GE Capital Bank Loan business in Europe.

HIGHLIGHTS

  • Received the “Hero of Growth” Award from the GE Board of Directors in 2010.
  • Has been a member of Asian Pacific American Forum’s Executive Council for GE.
  • Earned a Master’s degree in finance and banking from Syracuse University and a Bachelor’s degree in Social Ecology from the University of California, Irvine.
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Jonathan Mothner

EVP, General Counsel & Secretary

Synchrony Financial

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

ABOUT

With 25 years of legal experience, Jon Mothner brings his expertise to the role of General Counsel for Synchrony Financial. He has held the same role for the past five years at GE Capital Retail Finance and for the past three years at Synchrony Bank, and previously served as Chief Litigation Counsel and later the Chief Compliance Officer for GE Consumer Finance. His experience with GE Capital dates back to 2000, when he joined the Consumer Finance business as Litigation Counsel.

Jon earned his strong reputation early in his legal career, serving as a federal prosecutor with the U.S. Attorney’s Office in the Eastern District of New York. He specialized in the investigation and prosecution of financial crimes, including securities fraud, money laundering and bank fraud. In addition, Jon previously worked in the litigation group with a high-profile law firm, and clerked for U.S. District Court Judge Longobardi in the District of Delaware.

HIGHLIGHTS

  • Earned a law degree from the New York University School of Law and a Bachelor’s degree in Economics from Hobart College.
  • Board member of the Pro Bono Partnership, a nationally recognized provider of free business and transactional legal services to nonprofits.
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Tom Quindlen

EVP & CEO, Retail Card

Synchrony Financial

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

ABOUT

As the CEO of Retail Card, Tom Quindlen brings deep leadership experience in corporate finance to the executive leadership team. He previously served as Vice President and CEO of GECC Corporate Finance through 2013, President of GECC Corporate Lending, North America through 2009, and VP and CMO for GECC Commercial Financial Services through 2005. Earlier in his career, he gained global leadership experience as a VP of Sales and Marketing in Tokyo and a Director of Business Development and Marketing in London.

Tom has a proven track record leading companies to achieve growth. In his previous roles, he built strong teams specializing in providing asset-based, cash flow and structured loans and leases to mid-sized companies for working capital, growth and turnarounds. His experience spans multiple retail categories.

Tom is also well recognized for his passion for community service and regularly mentors young talent. He has served as a Corporate Citizenship Leader and campaign Co-Leader for the United Way.

HIGHLIGHTS

  • Mentor, GE’s Experienced Commercial Leadership Program.
  • Earned a Bachelor’s degree in Accounting from Villanova University.
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Bart Schaller

EVP & Chief Marketing Officer

Synchrony Financial

“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.”

ABOUT

In the role of Chief Marketing Officer, Bart Schaller is focused on innovation and growth for Synchrony Financial and for our partners.  Bart is committed to driving new growth strategies, including developing new products, channels and value propositions for both business-to-business and business-to-consumer segments.  His commitment is built upon over 25 years of insights working directly with major retailers on strategies to increase sales and expand customer relationships.  He has developed and launched many new card and business programs, successfully repositioned value propositions, and integrated programs with retailers’ core market strategies.  

Most recently, Bart was SVP, Business Development, where he led new partner program sales activities, M&A opportunities and strategic investments. Prior to this role, Bart was the Vice President and General Manager for the GE Retail Consumer Finance Walmart relationship. In that role he was responsible for the overall growth and performance of the card programs with Walmart. In 2003, he was promoted to Vice President, Marketing for JCPenney Credit Services.  Following several progressive roles in Operations, Marketing and Client Development, he joined the Lowe’s Credit Services Team as Marketing leader in 1999.

HIGHLIGHTS

  • Earned a BBA in Marketing from Southern Methodist University.
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Paul Whynott

EVP & Chief Regulatory Officer

Synchrony Financial

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

ABOUT

As the Chief Regulatory Officer for Synchrony Financial, Paul Whynott brings a wealth of regulatory knowledge and deep experience to the company. His responsibilities include ensuring our business meets regulatory expectations, as well as overseeing compliance, supervisory affairs and regulatory strategy. 

Before joining Synchrony Financial, Paul held a number of challenging and critical leadership roles at the Federal Reserve Bank New York (FRBNY) over a 21-year period. Most recently, he served as a Senior Vice President in their Financial Institution Supervision Group, in the role of Senior Supervising Officer responsible for Citigroup. Prior to that role, Paul oversaw the supervision of the U.S. operations for UBS. He has also served as the lead onsite supervisor for JPMorgan Chase and the Bank of New York Mellon at the Federal Reserve.

Paul’s financial experience also includes leading an analytical team focused on monitoring and identifying trends in the capital markets, and producing analysis of these trends for the benefit of senior FRBNY management and supervisory staff.

HIGHLIGHTS

  • Earned a Bachelor’s degree in Economics from Connecticut College and an MBA in Finance from the Columbia School of Business, Columbia University.
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Awards
FortuneMostPowerfulWomen_icon

Fortune Most Powerful Women 2015

(Margaret Keane)

AmericanBankerMostPowerfulWomenFinance

American Banker Most Powerful Women In Finance 2015

(Margaret Keane)

BenchmarkPortalTop100Call

Benchmark Portal Top 100 Call Centers 2016

(3rd Place)

InformationWeekElite100

InformationWeek Elite 100 2016

TheStevieAwardsforSalesCustomerService

The Stevie Awards for Sales & Customer Service

(Debra Burgess)

ComputerworldPremier100

Computerworld Premier 100 Technology Leaders

(Greg Simpson)

TheStevieAwardsforWomenBusiness

The Stevie Awards for Women in Business 2015

(Several recipients)

BenchmarkPortalCertifiedCenter

Benchmark Portal Certified Center of Excellence 2015

TheCandidateExperienceAwards

The Candidate Experience Awards 2016

GreatPlacetoWork

Great Place to Work 2017

BestPlacestoWork

Best Places to Work for LGBT Equality 2016

Innovation

Synchrony Innovation
Innovation Stations

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.

Corporate Citizenship

Synchrony Community
Synchrony Families That Work: A Corporate Citizenship Program That Helps Synchrony Financial Engage More

Life happens – and it happens to cost more than some families can afford.  Through our citizenship platform, Synchrony Families that Work, we seek to improve the lives of working families who are struggling to realize their unique ambitions.  Synchrony Families that Work focuses on providing basic needs to today’s working families — safe and stable housing for families who are homeless or on the verge of homelessness, childcare for parents who need a safe place for their children while they work, and economic security so families can really move ahead.

“Many working families simply need a hand. The Families that Work Program can make a real difference in helping them to move forward and bring stability into their lives.”– Margaret Keane, Synchrony Financial CEO​​​​​​​​​​​​​​​​​​​

In addition, Synchrony employees are encouraged to volunteer their time to many community projects that​ support the local needs in their communities.

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.