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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.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

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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.

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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. 

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Healthcare Banking

Get access to customizable financing, treasury management and investment banking solutions from a team of dedicated healthcare banking professionals.

Arnold Torres

Arnold Torres, CHFP

Executive Director, Industry Solutions for Healthcare

Arnold Torres serves as a Healthcare Industry Solutions Specialist within Commercial Banking providing consultative services for the treasury and payments teams. He is focused on aligning multiple and technically complex treasury solutions for our healthcare clients and prospects. Arnold assists them to improve their working capital and optimize their ERP and EHR investments. This also includes managing liquidity and providing forward-looking analysis of industry trends.

Arnold’s 20+ year career in banking has been centered on sales and leadership within treasury and payments with the last 17 years solely focused on the healthcare industry. Prior to joining J.P. Morgan in April 2018, Arnold served as senior vice president at KeyBank leading the national healthcare sales consultants and client managers that spanned across providers and health plans.  Before joining KeyBank, Arnold served as SVP and regional manager for Wells Fargo's healthcare team where he moved out west to build a team that spanned the mid-west, mountain and west coast markets. During his 12 years at Wells Fargo, he also contributed sales strategy, thought leadership and training as well as building the bank's healthcare client advisory counsel.

Arnold is a member of the Healthcare Financial Management Association and maintains the Certified Healthcare Financial Professional (CHFP) designation. He is 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.