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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

Learn more about our treasury solutions:

Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

Learn more about our international banking solutions:

Healthcare Banking

Get access to tailored strategies from a team of specialized professionals.

Arnold Torres

Arnold Torres, CHFP

Executive Director

Arnold Torres serves as a Healthcare Industry Solutions Specialist in J.P. Morgan’s Commercial Bank. He provides consultative services for treasury and payments to clients ranging from for-profit to fully integrated delivery networks nationwide. He’s focused on aligning treasury solutions that support our client's business resiliency, expansion and revenue diversification initiatives. Arnold works with our clients to unlock operational efficiencies and optimize their ERP and EHR integration and investments. This also includes maximizing their human capital and technology while providing forward-looking analysis of industry trends. Arnold is also responsible for publishing thought leadership that supports our clients and treasury teams.

Arnold’s 25-plus year banking career has centered on business development and leadership within treasury services, with the last 18 years focused solely on healthcare payments. Prior to joining J.P. Morgan in 2018, Arnold served as Senior Vice President at KeyBank, leading national healthcare consultants and client managers that spanned across providers and health plans.

Before joining Key, Arnold served as Senior Vice President and Regional Manager for Wells Fargo's healthcare vertical, where he moved out west to build a healthcare team that spanned the Midwest, mountain and west coast markets. During his 12 years at Wells Fargo, Arnold was also responsible for business development, thought leadership, training and building out the healthcare client advisory council.

Arnold is a member of the Healthcare Financial Management Association and maintains the Certified Healthcare Financial Professional (CHFP) designation. He’s also a member of the Healthcare Information and Management Systems Society (HIMSS). He holds a Bachelor of Science in Finance from the State University of New York and currently resides in Gilbert, AZ with his family.