Stories

From administrative assistant to market leader: A coast-to-coast career path 

July 28, 2023

Andi Garten’s ‘accidental’ entry into banking has led to a decades-long journey, with a healthy dose of tennis play on the side 

Andi Garten is a seasoned banker and market leader with more than two decades of experience in the industry, but banking wasn’t in her plans when she began her professional career.

photo of Andi Garten
Andi Garten

Garten studied English in college and graduated with plans to attend law school, but the more she pursued that route, the more she knew something wasn’t right. 

“While I was figuring out my next steps, a friend let me know about an open U.S. Bank position for an assistant to the Ohio market president,” Garten said. In 2001, she took on the role, which mostly focused on event planning and project management.  

“I definitely was an accidental banker but fell in love with the industry and began to take on new opportunities,” she said.

In 2004, Garten, who grew up in Cleveland and attended Ohio University a few hours down the road, relocated to Seattle as an entry-level credit analyst. She served in that role for one year and met a female mentor through an internal development network focused on powering employees to connect across business lines and geographies. The mentor helped Garten create a development plan. 

“It definitely was a blessing to work with great leadership who saw something in me and pushed me,” Garten said. “I took some risks and that’s where you learn a lot about yourself, particularly when you move to a new city or into a new position where you must learn everything from ground zero. Leadership helped me realize my potential.” 

Andi Garten at a national tournament
Andi Garten at a national champions tournament.

In 2006, she took on a client manager position and started to get a taste of leadership. She moved on to a sales manager job for several years and then into a Business Banking position in 2016 that required her to move with her husband and two young children to Los Angeles.  

Within three years, she was able to move back to her Cleveland hometown to serve as market leader for Cleveland and Columbus. In 2022, U.S. Bank named Garten the Branch Banking Indiana-Ohio Market Leader, overseeing 210 branches. 

“My greatest advice is for people to trust their gut when it comes to their career path,” she said. “I never knew what the next step would look like. I find my joy in connecting with clients and our team, and watching people grow, develop and succeed. It’s important to figure out what makes you the happiest.” 

Serving customers – and tennis balls
When she’s not traveling across Indiana and Ohio visiting with branch banking teams, Garten spends a lot of time on the tennis courts. While she didn’t start playing until 2018, Garten already earned a spot to U.S. Tennis Association's NTRP National Championships in San Diego with her doubles partner at the 3.0 level.  

“We did really well in the playoffs, winning our quarterfinal, semifinal and final match to win our playoff flight,” she said. “Overall, we left San Diego with a 3-3 record for our first Nationals experience and certainly look to earn a spot next year.” 

Garten is a member of the Cleveland Racquet Club, where she captains teams and met who she considers an amazing group of women.  

“I think sports and leadership are intertwined in so many ways, especially in a sport like tennis where the mindset is more important at times than the skill or fitness level,” she said. “With sports, you learn how to win and lose with grace, how to be fair, how to problem-solve and how to adapt.” Playing tennis is the ultimate stress reliever, she said. 

Andi Garten and her doubles partner, Pantshia Gardner.
Andi Garten and her doubles partner, Pantshia Gardner.

“Tennis provides an outlet where I can channel my competitiveness in a healthy manner.  I also love clothes and fashion, so to me it’s a match made in heaven.”

Garten’s involvement with local tennis provides her with opportunities to teach and inspire her two young daughters. It also enables her to give back to the community and get U.S. Bank involved through organizations that include the Cleveland School District. In August, U.S. Bank will sponsor the Women in Business Forum during Tennis in the Land, which is part of the U.S. Open Series on the Women’s Tennis Association schedule. 

“Last year, 250 emerging leaders attended and that’s expected to nearly double this year,” Garten said. “It’s a great way to connect with women.” 

And just like in banking, tennis is a long game.  

“I play a lot of doubles where you really have to be in lockstep with your partner and collaborate on the court,” Garten said. “There’s an element of teamwork like what you find day-to-day at work. Also, where are you putting the ball on the court? You must set yourself up for success.”

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Expanded agreement to enhance wholesale banking lending experience for clients

Collaboration with nCino will result in an easy-to-use platform with greater efficiencies for clients through entire lending process.

Cleantech entrepreneur Ciara May wants to recycle your hair

The Rebundle founder is $25,000 winner of the 2021 U.S. Bank Foundation Cleantech Inclusion Award.

U.S. Bank, Enterprise Community Partners announce innovative racial equity bond

The $30 million bond will support housing developers of color.

U.S. Bank announces acquisition

U.S. Bancorp Asset Management will acquire PFM Asset Management.

Meet Felicia La Forgia, head of U.S. Bank Corporate Banking

New York City leader talks about her immigrant parents’ influence and her new role at one of the largest banks in the United States.

For Juneteenth, heed ‘Separate and Unequal’ warning and move forward together

Our Chief Diversity Officer Greg Cunningham reflects on the historic Kerner Commission – and expresses optimism that this time will be different.

Pride is a part of everyday life at U.S. Bank in West Hollywood

A recent makeover is the latest in how employees make sure the branch reflects its surrounding community.

Ozark banker steps up as tornado touches down

Glynda Dickinson turned to an old bank vault and new technology to help customers.

Oatmeal and raisin’ young leaders

This Minnesotan nonprofit’s cookies-with-a-cause will be a hot commodity for tourists braving the cold.

New online resource provides business owners with ethics guidance

With support from U.S. Bank, the Center for Ethics in Practice at the University of St. Thomas Opus College of Business is launching the Business Ethics Resource Center.

New mural adorns branch that lives at intersection of Black history

U.S. Bank and our employees have long been a part of the historic Five Points neighborhood in Denver.

Minneapolis business owners take virtual stage at The Atlantic Festival 2020

The annual event put on by The Atlantic gathers leaders across industries to discuss consequential issues.

Kiplinger says U.S. Bank digital mortgage tools are best in the industry

The personal finance publication also named U.S. Bank the best mortgage lender for ages 18-34.

In #SupportLocal, U.S. Bankers thank small businesses and first responders

Our branch employees are rallying around local partners amid business disruption caused by the pandemic.

How Lawrence Arts Center is helping youth learn the business side of art

Lawrence Arts Center is one of 20 inaugural grant recipients from the $1 million U.S. Bank Market Impact Fund.

How Lot, Stock & Barrel acted fast after Coachella was cancelled amid pandemic

The growing Los Angeles small business received support from PACE and U.S. Bank.

Home for the first of many holidays

U.S. Bank helped develop a financing structure that has made homeownership possible for thousands of people.

Hammer Made for the economic recovery

Minnesota men’s clothing boutique expands to Chicago, Atlanta and Boston.

How this family bought their first home in a red-hot housing market

During Hispanic Heritage Month, U.S. Bank is recognizing Latinos helping one another realize their aspirations.

Get to know Hassan Salem, the new head of Commercial Banking at U.S. Bank

Based in Denver, the ski industry expert and theater fan leads a national team serving middle market clients.

Future executives bring creativity and confidence to the boardroom table

U.S. Bank has partnered with Technovation for the past three years to help introduce girls to technology careers.

Survey finds COVID-19 accelerated virtual care, healthcare payments digitization

The new data is from the proprietary and third annual Healthcare Payments Insight Report from U.S. Bank.

Fifty-year anniversary of Fair Housing Act hits home for Lenny McNeill

The U.S. Bank mortgage leader reflects on how its passage opened the door for his family.

U.S. Bank launches industry-leading video banking options for customers

New live video enhancements give customers support and guidance from their local branch banker, wherever they are.

New U.S. Bank branch celebrates Pride and previews the future of banking

The branch is located in the first officially recognized LGBTQ+ neighborhood in the United States.

#SupportLocal highlights passion and perseverance of small businesses

U.S. Bank is supporting and celebrating customers with a social media campaign as economy recovers.

Entrepreneur Eric Seals is growing Digifé with a focus on storytelling diversity

U.S. Bank recently donated $1 million to Chicago nonprofit CNIMFG to expand access to capital.

How psychologists and historians are helping U.S. Bank clients amid the pandemic

The pandemic has brought an urgency to tackling what have been taboo conversations for many families.

EnJunaya Canton quit a six-figure job to start fast-growing Zuhuri Beauty

U.S. Bank and nonprofit PACE have helped the business stay on track for growth as it has navigated COVID-19.

Elavon technology helps shape the future of iconic UK charity

The Royal British Legion is using cashless terminals to collect donations supporting service members and families.

Elavon is ready for growth with Atlanta office expansion

U.S. Bancorp subsidiary pivots to meet digital needs of its more than 1 million customers worldwide.

Elavon and Societe Generale partner for pan-European payment services

Elavon will provide payment services to Societe Generale’s business clients in eight countries.

Elavon acquires Sage Pay

The acquisition is part of Elavon’s strategy to help customers become more digital, efficient.

Elavon acquires CenPOS

Elavon CEO Jamie Walker says acquisition will benefit customers of both companies.

Dr. Tanu Luke highlights leading roles of women in history of tech innovation

We teamed up with Microsoft and nonprofit Women in Voice for a virtual hackathon event.

Denver nonprofit introduces girls to 3-D printing

We donated $20,000 to create a new makerspace for Girls Inc.’s STEM program.

Competitive skier-turned-banker shares her view from the top

We are growing our role as a leader in financing the ski industry under Jennifer Kaufman.

Community artwork continues on front porch of U.S. Bank in Charlotte

We are partnering with artists who helped create the Black Lives Matter street mural in uptown Charlotte.

Chicago is just right for the U.S. Bank derivatives team

Under Jonathan York, the team has been growing in the Windy City as competitors have left town.

Big Blue to the rescue

Washington bankers took mobile banking to the next level after a customer service emergency.

Andy Cecere talks digital transformation, expansion strategy and more in new Q&A

Our chairman, president and CEO recently spoke with the Minneapolis/St. Paul Business Journal.

Plaid and U.S. Bank collaborate to deliver a secure open finance experience

The rapid integration enables improved choice and flexibility for customers when linking third-party apps with their accounts.

U.S. Bank named a 2021 World’s Best Bank by Global Finance Magazine

We won the top honor in three U.S. regions: Great Lakes, Plains and Southwest.

U.S. Bank Altitude Connect reunites people with the faces and places they love

Our travel rewards credit card launches as desire to travel again takes off.

U.S. Bank provides $450,000 investment in Russell Center for Innovation and Entrepreneurship

Our employees will provide on-site counsel and guidance on financial, payments, technology and innovation topics.

U.S. Bank pilots new financial wellness program with Operation HOPE

We’re partnering with the nonprofit organization for the pilot program in Denver and Chicago.

U.S. Bank details new cryptocurrency offerings

We’re launching three new initiatives to meet growing needs of clients.

U.S. Bank Freight Payment Index: Shipments, spending slow in Q1 2021

The U.S. Bank Freight Payment Index is a quarterly analysis of national shipments and spend.

U.S. Bank investing in currency management provider Lumint

Earlier this year, we launched a new passive currency hedging service powered by Lumint technology.

U.S. Bank launches VantagePoint Accounts Receivable Matching

This feature further enhances our leading corporate accounts receivable automation service.

U.S. Bank innovation team says these tech trends from CES 2021 are here to stay

The U.S. Bank innovation team has made it an annual part of our research efforts to attend CES.

U.S. Bank reopens Paycheck Protection Program (PPP) application process for first- and second-draw loans

Businesses will have until March 31, 2021 to apply or until funds run out.

U.S. Bank simplifies accounts payable with AP Optimizer

AP Optimizer connects businesses to the established Bottomline Paymode-X network of 450,000 suppliers.

U.S. Bank introduces passive currency hedge service for institutional investors

The tool is powered by currency management provider Lumint Corporation’s industry-leading technology.

U.S. Bank Altitude Go named ‘best credit card for ordering in’ by NerdWallet

The card offers rewards for takeout and delivery, as well as streaming services.

How Kercedric Holley-Bell helped her team thrive amid the pandemic

She was part of a Top Team recognized by American Banker’s Most Powerful Women in Banking and Finance program.

U.S. Bank continues arts support in Charlotte with jazz masterpiece

The performance honored North Carolina-born drummer and composer Max Roach.

U.S. Bank appoints Marcus Martin head of ESG for Fixed Income & Capital Markets

Martin brings twenty years of industry experience and an established record of success.

Milwaukee developer Brandon Rule aims to help close the racial wealth gap

As part of broad commitment, U.S. Bancorp Community Development Corporation is working to deepen relationships with Black developers.

U.S. Bank launches eco-friendly debit cards

The debit cards made with ROBP offer customers new way to show their love of the ocean and help the environment.

U.S. Bank names Derek Martin St. Louis market president

Martin will lead the Commercial Banking group in the St. Louis market.

U.S. Bank innovation team examines two major trends at SXSW

The annual conference is a hot spot for discussing culture and its impact on business and consumers.

This U.S. Bank branch on wheels brings new meaning to mobile banking

When disaster strikes, our Mobile Financial Center ensures customers have access to essential banking services.

U.S. Bank first to offer new AI-powered savings feature

The patented Pay Yourself First feature gives customers intelligent recommendations to increase savings.

The first U.S. Bank tax credit deal in Puerto Rico is helping fight COVID-19

Our $4.2 million NMTC investment helped a pharmaceutical manufacturer expand operations.

U.S. Bank supports clients during pandemic with loans, bond offerings

We helped clients raise billions in the fixed income and loan capital markets.

This aspect of your credit card is changing – here’s why

Our retail payments head Steve Mattics discusses the design process behind the new U.S. Bank Altitude Go.

Betsy Cadwallader focuses on ‘resilience and recovery’ in new leadership role

The regional Commercial Banking leader’s expanded portfolio at U.S. Bank spans from Pacific Northwest to the Rockies.

State Farm® and U.S. Bank unveil new consumer and business credit cards

State Farm customers can receive cash back on insurance premium payments and the things they buy every day.

John C. Stern named president of U.S. Bank Global Corporate Trust and Custody

Stern, a 20-year veteran of U.S. Bank, will assume the role effective May 17, 2021.

Innovation Leader names Dominic Venturo to Top 25 Most Influential Innovators list

Venturo and U.S. Bank recognized for new innovations developed in 2020.

U.S. Bank rolls out Business Leverage Visa Signature card

New business credit card was uniquely designed for business owners, by business owners.

U.S. Bank participates in first ever real-time payment on RTP system

U.S. Bank among first banks to use The Clearing House's new real-time payments system.

U.S. Bank taps local artist Jonesy for mural at branch in Cincinnati

We have a long history of community development and engagement in the neighborhood.

U.S. Bank to close branches early to recognize Juneteenth

Customers are encouraged to access mobile and digital banking services or its ATM network that afternoon.

U.S. Bank launches Simple Loan to meet customers’ short-term cash needs

Customers can borrow between $100 and $1,000 with no hidden fees.

U.S. Bank to help Cincinnati girls earn new Girl Scout cybersecurity badge

The bank is partnering with Girl Scouts of Western Ohio to provide hands-on training at its Cyber Defense Center.

U.S. Bank launches new credit cards for BMW, MINI and BMW Motorrad enthusiasts

The cards offer spending rewards and convenient technology such as contactless payment capabilities.

U.S. Bank launches digital small business lending

New process is designed to serve single-owner businesses seeking up to $250,000.

U.S. Bank customers embrace faster, simpler way to open digital accounts

Digital checking account openings up 200% year-over-year following launch of new application experience.

U.S. Bank commits $116 million to address social and economic inequities

We’re also rebuilding in our hometown Minneapolis to continue to support customers.

U.S. Bank announces several key leadership changes

The executive appointments further our commitment to people, diversity, equity and inclusion, and business transformation.

U.S. Bank announces new eBill Service

We partnered with fintech company Alacriti.

U.S. Bank announces assistance for customers affected by COVID-19 pandemic

Customers are encouraged to visit service information webpage or contact designated phone line.

U.S. Bank and Intuit make it simpler for customers to share information

Agreement will allow customers to connect their data using an application programming interface.

U.S. Bank adding retail banking to Charlotte presence in 2019

The first branch to be located at 201 S. Tryon Street in historic Uptown area.

Think tank helps U.S. Bank reach millennials and Gen Z

Dynamic Dozen reverse mentoring program connects U.S. Bank with next generation of consumers.

State Farm and U.S. Bank announce strategic alliance

State Farm and its affiliates are the largest providers of auto and home insurance in the United States.

New U.S. Bank Mobile App has now delivered 100 million personalized insights

The app now also has a Spanish language option.

New U.S. Bank Mobile App delivers unprecedented personalized insights

We rebuilt the app from scratch based on insights from customers.

New ranking says U.S. Bank has been most essential bank amid COVID-19 pandemic

The Harris Poll ranking polled Americans on resolve, trustworthiness, responsiveness and permanence.

New Everyday Funding offering speeds up access to funds for business owners

It makes funds available faster and more often as merchants receive payments from customers.

More than 75,000 small businesses secure PPP loans through U.S. Bank

Loans have the potential to support more than 800,000 employees across the country.

Leslie Godridge to retire from U.S. Bank; Jim Kelligrew assumes vice chair role

Godridge and Kelligrew have co-led the division for the past four years.

Introducing the U.S. Bank Smart Assistant

A unique voice-forward approach will give customers a simplified, intuitive way to bank unlike any other – just ask.

USBCDC finances $50 million in capital to CDFIs amid pandemic

The seven CDFIs receiving capital are across the country.

Water purification startup wins inaugural U.S. Bank Cleantech Inclusion Award

The program supports female and minority entrepreneurs driving innovation in environmental sustainability.

What the ADA anniversary means to me

Accessibility consultant Christina Granquist shares how designing for disabilities shaped the new voice assistant in the U.S. Bank Mobile App.

Introducing the U.S. Bank Loan Portal

Digital portal makes it easier to upload documents, retrieve asset and income information.

Introducing U.S. Bank Access Commitment

It is a series of initiatives across the business to increase wealth building opportunities, starting with the Black community.

An update from U.S. Bank Consumer and Business Banking Vice Chair Tim Welsh | Company blog | U.S. Bank

The well-being of our customers, colleagues and communities continues to be our top priority.

Amid record usage, U.S. Bank mobile check deposit named best in class

The continually improving feature is one of many ways that we have served customers amid the pandemic.

A message from U.S. Bank Chairman, President and CEO Andy Cecere

Our top priority is to keep people safe.

1992 kicked off years of rapid change at U.S. Bank

Our Minnesota-based company, and banking itself, looked very different the last time the big game came to town.

100 million transactions later, debit card proves to be a point of Pride

The community-inspired card design empowers customers to turn simple payments into meaningful actions.

One year later, U.S. Bank branch employees reflect on COVID-19

We’ve relied on both technology and ingenuity to serve customers amid the pandemic.

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