EVP, Chief Innovation Officer & Founder
Integro Bank
Elaine Szeto is the Executive Vice President, Chief Innovation Officer, and Founder of Integro Bank. Having built the bank from the ground up, Elaine oversees Investor Relations, leads the bank’s business strategic plan, and is responsible for the top deliverables via operational excellence and innovation. By providing leading-edge financial offerings, proprietary INTEGRO360SM services, and driving best-in-class client experience to position organizations for success which fuels business and employment growth. She also pioneered, built, and currently chairs the Integro CEO Club program; a flagship program that benefits hundreds of CEOs and business leaders that scale the bank’s growth.
With over 30 years of experience driving innovation, revenue growth, and technology transformation, Elaine has launched more than 100 enterprise-level products across Fortune 500 companies via her strategic leadership.
Before her tenure at Integro Bank, Szeto held the position of Chief Product Officer at Western Alliance Bancorporation (NYSE: WAL), where she played a pivotal role in driving revenue growth through strategic initiatives and digital transformation efforts.
Szeto's influence extends beyond the confines of traditional banking, as she has actively collaborated with fintech partners to shape product roadmaps and drive innovation within the industry. Her leadership roles at PNC Bank and Mutual of Omaha Bank (now First Citizens) further solidify her expertise in enterprise strategic project management, go-to-market strategies, and treasury management.
An honors graduate of Case Western Reserve University, Elaine holds an MBA and a B.S. in Finance (Magna Cum Laude). She is a Certified Treasury Professional (CTP) and has completed executive education at UNC’s Kenan-Flagler Business School.
Beyond her professional achievements, Szeto is committed to fostering leadership and diversity initiatives which has led to her being recognized with The Multicultural Leadership Award. She has chaired several leadership programs, including The Commonwealth Institute’s Top Women-Led Businesses and the YWCA. Additionally, Szeto has served on the board of governors for both the Diversity Council and the Fort Lauderdale Museum of Art. She currently serves as a Board Director for Arizona Banker Association, a Board Director for the Phoenix Community Alliance (PCA), and a Board Member for Integro Bank Foundation, contributing to initiatives that strengthen Arizona’s business and community landscape.
Szeto's influence extends to the payment industry, where she is actively involved in organizations such as the National Association for Financial Professionals and the NACHA Payment Innovation Alliance. Through strategic innovation, community leadership, and a commitment to excellence, Elaine Szeto continues to shape the future of banking.
The gap between what small businesses want from their bank and what most deliver has never been wider—or more critical. They want transparency around finances, tailored guidance, and access to capital. Yet many banks fail to deliver these, opening the door for small businesses to turn to fintech rivals. This session explores the latest on small business owner attitudes, expectations, and banking behaviors that provide a data-driven picture of where the market segment is headed. Industry leaders will examine what small business owners most want—instant credit decisions, proactive fraud protection, seamless payments, and genuine advisory support—and why so few banks are consistently delivering it. The discussion will address the specific changes in product design, service model, and digital experience that will determine who wins and who loses the small business relationship.