Ruby Kaur

Ruby Kaur is the Enterprise Payments, Chief Segment Risk Officer at Huntington Bank where she and her first line risk team provide oversight and guidance across strategic payment initiatives, partnerships, and innovation. In her role, Ruby fosters cross functional collaboration between risk, product, and sales teams to ensure alignment, compliance, and strategic risk management across the organization.

With 20+ years of risk experience, Ruby brings unparalleled industry expertise. Ruby is passionate about building strong risk management frameworks that not only protect the organization but also enhance operational efficiency and cross team collaboration. Her deep understanding of payments risk and regulatory compliance enables her to navigate complex challenges while supporting business growth and innovation.

Prior to joining Huntington, Ruby was Head of Commercial Product Risk at KeyBank, where she provided risk management thought leadership for Commercial Bank strategy and oversaw the end-to-end risk governance. Ruby held various risk related roles throughout her career including First Line of Defense Risk partner at PayPal, and at American Express, where she developed significant payments and operational risk domain expertise. Ruby also served as the Payments & Receivables Global In-Business Risk Head at Citibank, partnering closely with the regional and global risk teams across Treasury and Trade Solutions.

Ruby earned her undergraduate degree from De Montfort University, England, and attained her fellowship with the Chartered Institute of Management Accountants.