Sandra Hartfield is President and Chief Executive Officer of the Electronic Banking Division for Palm Desert National Bank (PDNB Electronic Banking Solutions). In 1994, as the Bank’s Chief Financial/Chief Administrative Officer, Ms. Hartfield placed her first off-premise ATM. Quick to recognize the business potential, she began working with Independent Sales Organizations (ISOs) to place terminals, and soon PDNB became one of the first banks to offer vault cash to ISOs for placement in their ATMs. Under Ms. Hartfield’s leadership, Palm Desert has evolved into an industry leader, now offering a full line of electronic banking products, including ATM Vault Cash, ATM Cash Management, Multifunction ATM/Kiosk Management, Network Sponsorship, ACH Services, and Prepaid Stored Value card programs. PDNB currently manages over 17,000 ATMs and Advanced Function terminals and supplies more than $850,000,000 in vault cash. The Electronic Banking Division is the largest in the bank, with offices in Palm Desert and Louisiana.

Ms. Hartfield first came to PDNB in September 1989, bringing with her over eighteen years of banking knowledge and experience. She had been the CFO for various banking organizations, including American Merchant Bank in Orange County, CA and served as a CFO consultant for several other Southern California banks.

Ms. Hartfield is a member of the board of directors of Palm Desert National Bank, is the Chairman of the ATMIA and serves as Treasurer of the EFTA Executive Board.