Spotlight On: Tammi Calvo-Sanchez, Executive Vice President & Miami-Dade Market Executive, Regions Bank

Key points:

• • Regions is growing in Miami through personalized advisory services, wealth management, and business banking.
• • Financial education, inclusion programs, and fraud prevention are central to community engagement.
• • The bank balances digital tools with relationship banking to deliver local, high-touch service.

April 2026 — Invest: spoke with Tammi Calvo-Sanchez, executive vice president and Miami market executive of Regions Bank, about growth momentum, financial education, and balancing digital growth and relationship banking. “We see digital capability and relationship banking as complementary, not competing priorities,” Calvo-Sanchez said. 

How is Regions Bank positioning itself in the Miami market to meet the evolving financial needs of individuals and businesses in such a dynamic region?

Miami-Dade represents a priority market for Regions, and that means working to build on our growth not only in terms of banking consumer households – but also the small businesses and larger corporations that are key to our vibrant economy.

In recent years, Regions has experienced solid growth and strong momentum across all our business lines. For 2025 alone, the company had $2.1 billion in net income, which represents 7% year-over-year growth. That performance reflects strength across the franchise. In Miami specifically, we are seeing significant growth in private wealth management services and treasury management solutions, and we have a real opportunity to further differentiate the bank to businesses, consumers, and wealth-management clients who are relocating – or expanding their presence – here in Miami-Dade.

What we are finding across the industry is that clients are looking for trusted guidance. They want more one-on-one, personalized advice to help them achieve their financial goals. That applies to both individuals and businesses.

At the same time, financial education has become increasingly critical. We continue to invest in how we deploy financial education, both in the Miami market and throughout the Regions’ footprint. Another major focus area is fraud prevention. Fraud continues to challenge not only banks but consumers themselves. We are investing in ways to educate clients, protect them, and provide tools that help them guard against evolving threats. Miami moves quickly, and clients expect speed to market and clear guidance. Our focus is on delivering that locally, with consistency across the bank and a high level of service.

How is Regions expanding its financial education and inclusion efforts within underserved communities in Miami-Dade?

One of the key initiatives we have deployed is Regions Greenprint. This is a one-on-one financial journey where individuals, including students and small-business owners, can sit with a banker in one of our branches and walk through their financial goals and objectives. You do not have to be a Regions client to participate, and there is no cost. We tailor a financial plan to that individual’s needs and help map out practical next steps.

We also offer Regions Next Step, a no-cost financial education platform available online. Again, you do not have to be a client to access it. Through this platform, individuals can find podcasts, modules, and educational resources covering topics such as applying for a mortgage, planning for retirement, saving for a down payment, and general budgeting strategies. The goal is to provide accessible tools that help move people closer to achieving their personal financial goals.

Beyond digital access, our bankers are active in the community. We conduct Reality Checks, working with students from elementary school through high school to help them understand income, expenses, credit, and financial decision-making. We also work with organizations such as Kristi House to provide financial education to women in shelters, helping them build independence and long-term stability. For us, financial inclusion means meeting people where they are and equipping them with practical knowledge.

Fraud risks are at an all-time high. How is Regions moving beyond education alone to protect clients?

Fraud prevention starts with education, but it does not end there. We are making significant investments in fraud awareness and outreach, particularly in South Florida, which is often described as a fraud capital. We host ongoing seminars, both virtually and in person, where clients can learn about the latest scams and how to protect themselves.

We provide digital resources that outline current fraud trends and red flags, because the tactics used by fraudsters are constantly evolving. It is not enough to provide a single training or communication. We constantly update our resource website, Regions.DoingMoreToday.com, with the latest scams and how to protect yourself – and your business. There has to be ongoing dialogue between the bank and our clients.

Importantly, we are also educating our bankers. We recently brought in the Hialeah Police Department to train our local teams on what to look for if a client may be falling victim to fraud. Our bankers serve as a first line of defense. By educating both clients and employees, we create a double layer of protection. It is a continuous process because fraud is constantly changing, and our response must evolve just as quickly.

How is Regions balancing investment in digital tools with maintaining a strong relationship-driven service model?

We see digital capability and relationship banking as complementary, not competing priorities. Through our mobile app, clients can easily conduct day-to-day transactions, such as depositing checks or managing accounts, from the palm of their hand. We are investing in making those experiences seamless and secure.

At the same time, when financial decisions become more complex, we encourage clients to come into the branch and engage in that one-on-one dialogue. This is supported by a complement of specialty bankers, such as commercial bankers who have industry-specific experience and can use that experience to help business clients chart a path for growth. We continue to invest in technology within our Treasury Management group to help clients automate and advance their payment processes. 

We are also investing in our physical presence, including opening a state-of-the-art branch in Fort Lauderdale, and we have plans to continue upgrading the branch experience in Miami-Dade, as well. Stay tuned for that.

Our approach is to deliver big-bank capabilities with local execution. We want to offer digital convenience while preserving the trusted relationships that define community banking.

Given Miami’s diverse and internationally connected economy, how does Regions tailor its services to the local landscape?

There’s no other market in the country quite like Miami-Dade. We have our own unique rhythm. In all corners of the county, you will find a strong sense of pride, a sense of community, and a spirit of entrepreneurship that is unmatched anywhere else. We’re here for that – as trusted neighbors who know this market well because this is our home, too. We also see growing opportunities to put our local experience to work not only for longtime customers – but also for those new to the area or looking to build new business growth or personal financial success.

We are a regional bank, and we are clear about where we focus. Our strength lies in personalized service and deep community engagement. We are deeply involved in the community and understand the economic drivers, from the tech growth in the region to the ongoing real estate expansion.

Our approach to service is a key differentiator as well. We call it Regions360 – and that means truly taking a 360-degree view of the needs of the client and their own, unique goals. We don’t operate in silos. Rather, leaders from our consumer banking group, our commercial and corporate bankers, and our wealth management team collaborate to identify the full range of areas where we can add value to help the client build, protect, and preserve their finances. That allows us to move quickly, provide speed to market, and deliver comprehensive solutions locally.

Our bankers reflect the diversity of the community we serve, which strengthens our connection to clients. By engaging in the community and building brand loyalty, we also foster employee retention, stability, and long-term growth. Our goal is to provide big-bank capability with highly localized delivery.

How do you measure the success of community engagement and economic development initiatives beyond traditional financial metrics?

We track our community engagement in tangible ways. Last year alone, we logged more than 500 volunteer hours focused specifically on financial wellness, and more than 1,200 total volunteer hours across broader community activities. Those efforts included work with organizations such as the Overtown Youth Center, Kristi House, and Habitat for Humanity.

We set clear engagement goals across all business lines and identify where the community’s needs are most pressing. While financial education is a priority, we do not limit ourselves to that. We ask what the community needs and then create a plan to support those needs collectively as one bank.

Ultimately, success is not measured only in financial returns. It is measured in impact, in the strength of our community relationships, and in the trust we build. When we engage authentically, we create brand loyalty, employee retention, and sustainable growth. That is how we define long-term success in the Miami market.

Want more? Read the Invest: Miami report.