Tonet Santana

Managing Director, Head of Payments Product

TD

Tonet joined TD Securities in November 2025 as Managing Director & Head of Payables, Receivables, and Commercial Cards Product. In this role, he leads the end-to-end product strategy and development for enterprise scale payments, receivables, and commercial card solutions serving large commercial and corporate clients. He is responsible for building and leading a high performing team of senior product specialists and for delivering complex, multi market initiatives aligned to targeted profit and loss objectives, while upholding the highest risk management and control standards.

An experienced payments executive, Tonet brings nearly two decades of global experience across sales and product leadership roles at Citi, with postings in Manila, Hong Kong, and New York. During his time in New York, he led the successful rollout of complex payment solutions across nearly 100 countries. His work included the implementation of Real Time Payments, the build out of Virtual Accounts, the launch of an AI/ML based anti fraud solution, and the deployment of a global merchant acquiring platform.

From 2023 to 2025, Tonet served as Senior Consultant and Asia Pacific Lead at Payments & Commerce Market Intelligence. In this role, he spearheaded regional business development and sales strategy, led consultant and analyst teams, and drove growth with key clients across Singapore, Hong Kong, India, Japan, Australia, and Southeast Asia. His leadership supported the firm’s regional expansion and strengthened its position as a leading provider of global payments research and market intelligence.

Tonet holds a CertICM (Certified International Cash Management) certification from the UK Association of Treasurers and earned a Bachelor of Science in Civil Engineering from the University of the Philippines.