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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:

Employee Stock Ownership Plans

Access objective advice regarding the best solutions to meet your ESOP financing needs.

Regina Carls

Managing Director, ESOP Advisory Group Head

Regina Carls is Managing Director of the ESOP (Employee Stock Ownership Plan) Advisory Group. She is dedicated to helping bankers and their privately held clients evaluate the benefits of selling stock to an ESOP and therefore creating liquidity for the owners in the transaction. Regina was responsible for the initial development of the ESOP Advisory Group. She quickly became a liaison with all areas of the firm assisting in the analysis and structuring of complex ESOP financings.

Regina has been with J.P. Morgan for 30 years. Prior to spearheading the ESOP Advisory Group, she was a division manager within Middle Market Banking. She has gained broad experience during her career within the firm.

Regina received a Bachelor of Business degree in Finance from the University of Iowa and holds a Master of Business Administration from DePaul University. She is licensed by FINRA with a Series 24, Series 63 and Series 79.

Regina is a recognized expert and frequent speaker in the ESOP Community. In 2014, Regina was appointed to the Advisory Committee of ESCA (Employee-Owned S Corporations of America).  She is a member of the ESOP Association headquartered in Washington, D.C and serves on their Banking and Finance Committee. Additionally, Regina is an active member of the National Center for Employee Ownership and Ohio Employee Ownership Center.

Get in Touch and Stay Informed

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