ROY A. SILVA
Banking Executive
Los Angeles,CA
Summary
Strategic, mission-driven financial services executive with 15+ years of progressive leadership across consumer banking, employer partnerships, and the U.S. military. Proven success leading multi-market operations, elevating client/member experience, driving responsible growth, and developing high-performing leaders. Recognized for turning around underperforming markets, strengthening cross-LOB collaboration, coaching leaders through transformation, and operationalizing strategies that deepen engagement and accelerate sustainable growth. Known for inclusive leadership, disciplined execution, and the ability to translate enterprise priorities into market-level results.
Demonstrated expertise in directing regional strategy and multi-market execution for Employee Banking & Investing Programs, collaborating with Market Presidents and Middle Market Executives to align employer growth priorities. Successfully led cross-functional teams to create integrated business flows, resulting in improved alignment and deeper enterprise partnerships. Developed competitive benchmarking tools that enabled data-driven decision-making, contributing to significant new employer relationships and increased assets under management. Oversaw compliance and risk management initiatives, ensuring regulatory alignment while enhancing program delivery across diverse client segments.
Overview
16
16
years of professional experience
Work History
Senior Vice President - Client Development Specialist, Employee Banking & Investing Program
Bank of America
Southern California
01.2025 - Current
- Directed regional strategy and multi-market execution for the Employee Banking & Investing Program across Southern California, partnering with Market Presidents and Middle Market Executives to align employer-growth priorities and elevate financial-wellness delivery-with a focus on increasing market share through asset-allocation opportunities in new 401(k) plans, demonstrating the value of HSAs for employers with high-deductible health plans, and identifying high-net-worth executives to transition into Private Bank relationships, enabling multiple business-integration flows through a single corporate client.
- Led cross-functional teams across Consumer, Investments, Workplace Benefits, and Commercial Banking, creating integrated business-integration flows and leading high-impact executive forums-including a CHRO Roundtable generating six follow-ups and a new employer relationship-to improve alignment and deepen enterprise partnership engagement.
- Led business-integration efforts with the Private Bank by using executive-wealth education as a strategic vehicle to engage C-suite executives, leveraging senior-level relationships and coordinated touchpoints to position tailored wealth strategies and transition key corporate leaders into Private Bank relationships across priority verticals including technology, commercial real estate, nonprofit, and law firms.
- Led competitive intelligence and program development, partnering with the Data & Analytics team to build the organization's first competitive benchmarking playbook for employee banking, enabling Market Presidents and cross-LOB leaders to make data-driven decisions.
- Directed regional pipeline governance and opportunity management, requalifying dormant opportunities, strengthening forecasting routines, and coaching partner teams-signing 17 new employer relationships in 2025 and 6 additional employers in early 2026, including four market restarts.
- Partnered with Middle Market teams and Merrill advisory teams across Southern California to identify employer opportunities and benchmark 401(k) plan designs, with the goal of transitioning relationships to Merrill Lynch; executed targeted drip-campaigns and employer education on reduced plan fees, improved investment menus, and advisory support-driving higher employee participation and contributing to over $300M in AUM captured in 2025.
- Partnered with Bank of America's vendor-management and procurement teams to identify strategic vendor relationships and integrate the Employee Banking Program into vendor benefit offerings; expanded program reach by enabling more than 350,000 vendor employees to access Preferred Rewards benefits, strengthening enterprise value and deepening cross-organizational engagement.
- Oversaw insurance governance for Employee Banking & Investing Program agreements by partnering with Bank of America's enterprise insurance, legal, and procurement teams to review and refine contractual insurance requirements; coordinated Market Supervision sign-off and translated complex policy-structure changes into clear client-facing summaries-ensuring accurate risk representation, regulatory alignment, and compliant delivery of the program.
Senior Vice President - Preferred Banking Market Leader
Bank of America
Los Angeles
01.2018 - 12.2024
- Partnered with Merrill Associate Development advisors to strengthen advisory-service delivery by developing value-proposition frameworks and discovery-question guides for clients who held only bank-side relationships; leveraged data-analytics insights to identify external investment activity and convert overlooked opportunities-resulting in $17 million in new AUM brought into Bank of America/Merrill.
- Built the first integrated Private Bank and Merrill advisory-acquisition strategy for the Beverly Hills-Santa Monica market, addressing a prior lack of coordinated advisory engagement by developing Salesforce-driven priority client lists, leading weekly cross-LOB governance calls, and equipping consumer bankers with compliant discovery-question guides co-created and approved by Merrill, Private Bank leadership, and Market Supervision-driving a cultural shift in which Merrill and Private Bank teams began regularly positioning themselves inside financial centers to coach bankers and engage clients, establishing a repeatable, risk-aligned advisory-pipeline model where none previously existed.
- Led crisis-response efforts during the regional banking liquidity disruption by coordinating with Market Supervision to ensure compliant deployment of Private Bank and Merrill advisors into Beverly Hills and Santa Monica financial centers; enabled high-net-worth walk-in clients to meet directly with senior advisory professionals who could assess complex needs, stabilize relationships, uncover external assets, and transition significant balances-resulting in over $200 million in new deposits and AUM within three months.
Assistant Vice President - Consumer Banking Deposit Team
Bank of America
Charlotte
07.2017 - 12.2018
- Led cross-functional design and modernization of Bank of America's mobile wire platform, improving digital usability, strengthening operational accuracy, and enhancing associate training and readiness to ensure a smooth and compliant enterprise-wide rollout.
Intern - Portfolio & Liquidity Management
Wells Fargo Securities
Charlotte
04.2017 - 05.2017
- Managed daily liquidity processes and validated $600M+ in margin-call transactions, strengthening regulatory compliance, operational accuracy, and risk mitigation for the trading organization.
Captain - United States Army, Infantry Officer
Global Assignments
03.2010 - 03.2017
- Served as an Infantry Platoon Leader in Afghanistan, planning and leading combat missions while coordinating operations with air-support assets and adjacent units; executed 80+ patrols with zero mission failures and ensured seamless integration with Afghan and NATO forces.
Education
MBA -
University of Southern California (USC)
BA - Psychology
University of California, Los Angeles (UCLA)
Skills
- Financial analysis
- Risk assessment
- Data analysis
- Compliance management
Timeline
Senior Vice President - Client Development Specialist, Employee Banking & Investing Program
Bank of America
01.2025 - Current
Senior Vice President - Preferred Banking Market Leader
Bank of America
01.2018 - 12.2024
Assistant Vice President - Consumer Banking Deposit Team
Bank of America
07.2017 - 12.2018
Intern - Portfolio & Liquidity Management
Wells Fargo Securities
04.2017 - 05.2017
Captain - United States Army, Infantry Officer
Global Assignments
03.2010 - 03.2017
MBA -
University of Southern California (USC)
BA - Psychology
University of California, Los Angeles (UCLA)