Mr. Santoro helped open the First Capital Northeast Region office in New York City in 2005.  He is responsible for managing credit and collections departments and programs.  Mr. Santoro also oversees investigation of credit risk in customers and suppliers.

• Credit Manager at Capital Factors in the Retail/Wholesale Division
• Managed Retail Leveraged Buyouts at Bankers Trust Factors (later bought by Bank of New York)

• B.A. specializing in Accounting from Brooklyn College