Ralph Andretta vs Richard Fairbank

Ralph Andretta

CEO of Bread Financial

BIO: Ralph Andretta joined Bread Financial in February 2020 and is responsible for the Company’s growth, development and financial performance. With more than 25 years of experience at leading U.S. financial services companies, Ralph has a strong record of growing credit card, loyalty and affinity products and relationships, driving operational efficiencies, and superior financial performance on a consistent basis. Prior to joining Bread Financial, Ralph was Managing Director and Head of U.S. Cards for Citi, where he managed significant client partnerships and launched a number of new products over his tenure. He also held positions in charge of loyalty, co-brand, and product development while at Citi. His experience also includes having served as Global Affinity Products and International Card Executive with Bank of America, after spending 18 years with American Express in a number of operational and financial positions, both domestically and internationally. Ralph is an executive committee member of the American Banker Association’s Card Policy Council. In the community, Ralph sits on the board of trustees at Nationwide Children’s Hospital, while also supporting other causes related to children and hunger, such as The Boys & Girls Club of America. Ralph earned a Bachelor’s degree in Accounting and Finance from Siena College. Outside of the office, Ralph enjoys golf and tennis, and spending time with his wife and their two daughters.

Richard Fairbank

CEO of Capital One

BIO: Mr. Richard D. Fairbank is the Founder of Capital One Bank and serves as its Chairman and Chief Executive Officer. Mr. Fairbank founded Capital One Financial Corporation in 1988 and has been its Executive Chairman since February 28, 1995, Chief Executive Officer since July 26, 1994 and President since April 24, 2003. He co-founded Advocate Financial LLC in 1998. He has been Head of MasterCard's U.S. region since 1995. He serves as the Chairman and Chief Executive Officer of Capital One Auto Finance and Chairman of Capital One, F.S.B., two of Capital Ones primary lending subsidiaries. He founded North Fork Bank and served as its Chairman and Chief Executive Officer. Mr. Fairbank began his career in 1981 with Strategic Planning Associates, spending a total of seven years consulting in different industries. Based on his belief that information and technology would change the world of consumer marketing, he developed the idea that would ultimately become the hallmark of Capital One???-its Information Based Strategy (IBS). He served as the Chairman of MasterCard's U.S. region at MasterCard Worldwide Inc. from March 2002 to February 2004. Mr. Fairbank has been an Executive Director of Capital One Financial Corporation since July 26, 1994. He serves as a Director of Capital One's three principal subsidiaries, Capital One Bank the Bank, Capital One, F.S.B. the Savings Bank and Capital One Auto Finance Inc. He served as Director of Mastercard Incorporated since 2003. He served as a Director of MasterCard Worldwide since 2003 and served as Director of MasterCard's U.S. region from March 1995 to February 2004. Mr. Fairbank served as Director of MasterCard International Incorporated since 2003. Mr. Fairbank began his career in 1981 as a consultant with Strategic Planning Associates (SPA) (which later became Mercer Management) spending seven years as a consultant and specialising in the banking industry. He has received many honors and awards including being named Best Chief Executive Officer in specialty finance by Institutional Investor magazine and Business Leader of the Year by Washingtonian Magazine. Mr. Fairbank has often been recognized for his community and industry leadership, including his 2008 appointment to the President's Council on Service and Civic Participation. He also was honored as a 2008 Washington Business Hall of Fame Laureate and was named 2006 Banker of the Year by the American Banker. Mr. Fairbank graduated with a bachelor's degree in economics from Stanford University and received an MBA from the Stanford Graduate School of Business.