Growth opportunities Strategic expansion and potential acquisition activity linked to the Santander integration presents cross-sell opportunities for investment products, treasury management, and advisory services as the bank scales its footprint in key markets.

Wealth management Holistic financial planning and CFP-qualified advisory support indicate appetite for premium investment solutions, including diversified portfolios and advisory services that can be bundled with lending and banking products to deepen client relationships.

Tech enablement Existing technology stack (Alteryx, Snowflake, Redshift, GitLab, Smartsheet) signals openness to data-driven client experiences; there may be opportunities to offer CRM/analytics enhancements, risk analytics, and automation services to improve advisor productivity.

Regulatory and risk Recent litigation and shareholder concerns around the Santander deal highlight a need for enhanced compliance, governance, and risk reporting solutions that can reassure institutional clients and protect reputational risk during expansion.

SMB middle market Mid-sized client base and asset-based lending focus suggest opportunities to provide credit analytics, structured financing, and scalable advisor platforms to support growth in middle-market portfolios and sponsor-backed opportunities.