Tom Horne is Managing Director and Head of Card Operations, Customer Service and New Customer Engagement in Chase’s Card Services business.  Tom leads more than 14,000 team members operating in 14 service centers across the U.S, Philippines, and India.  He is responsible for Consumer, Business and Commercial Card Operations, Card Fair Lending, and ADA. Tom also serves as the firm’s Market Leader for the Delaware location.

Tom serves on the JPMorgan Chase Diversity and Inclusion council, co-chairs the Consumer and Community Banking council, and is Executive Sponsor of the firm’s Black Organization for Leadership Development (BOLD) business resource group for the Mid-Atlantic.

Tom joined Chase in 2012 with 23 years of experience in financial services leading operational teams across businesses, functions and geographies. Prior to joining Chase, Tom spent 17 years with MBNA, and six years with Bank of America where he led a number of functions including credit, customer service, collections, fraud, and consumer finance. He also has career experience in business development, including new product launches, national sales, relationship management, and portfolio acquisitions.

Tom holds a Bachelor’s Degree in Finance from the University of Delaware. He remains actively involved with the university, serving on the Advisory Board of the Lerner Business College, and as a member of the Executive Mentors-Scholars program. He also serves on the William Penn Advisory Board, is a past president and current Board member for Big Brothers Big Sisters of Delaware.