US Trust International Bank (UST) is an innovative International Financial Services Entity based in the Virgin Islands, designed to offer global businesses and individuals secure and efficient banking solutions. By leveraging our unique jurisdiction and advanced technology, we provide services like foreign exchange, cross-border payments, and business banking. Our strategic focus is on creating seamless access to U.S. financial systems while meeting the needs of international markets. With a commitment to regulatory compliance and customer satisfaction, UST is positioned to be the go-to bank for clients seeking reliability and growth in the global financial landscape.
Randy Leonard is a payments expert with experience in designing and building financial systems for central banks, banks, large enterprises, and startups. He has built SADAD for the Saudi Arabian Monetary Agency, and assisted IBM/India with the Bharat Bill Payment System for India. He was Enterprise Architect for Bank Al Jazira in Jeddah Saudi Arabia where he built a Payment Services Hub to integrate with various Saudi payment rails.
His experiences outside of banking include a stored value platform sold to US Bank, a wallet platform which became Samsung Pay, a Point of Sale system sold to TSYS (now Global Payments), and more.
Mr. Leonard’s work has often been recognized as superb, including recognition from the United Nations for his work at the Saudi Arabian Monetary Agency. His work for various fintech startups has also been consistently recognized, resulting in multiple acquisitions.
Robert Fiallo is a seasoned financial executive with over 25 years of leadership experience in the banking and financial services industry. He began his career at Maryland National Bank and went on to hold key positions at First Tennessee Bank, F&M Bank, and BB&T, where he managed critical functions across commercial banking, mergers & acquisitions, and residential mortgage lending.
As the Founder, Chairman, and CEO of Fidelity & Trust Bank, Mr. Fiallo successfully scaled the institution to over $500 million in assets, ultimately leading it through a strategic acquisition by a publicly traded regional bank.
Following the sale, he has continued to contribute his expertise as a director and consultant to various corporations and non-profit organizations. Most recently, he joined the Board of Directors of Community Redevelopment Inc., a publicly traded company dedicated to expanding affordable housing within urban opportunity zones. At USTIB, Mr. Fiallo brings visionary leadership and a deep understanding of banking, regulatory, policy, and community impact—guiding the institution’s strategic direction and long-term growth.
With over 24 years of experience in fintech and banking, Daryn is a proven leader at the intersection of innovation and financial infrastructure. He is the founder of Role Fintech Partners, a firm focused on bridging fintech innovation with traditional banking expertise to build scalable, forward-looking financial ecosystems.
Prior to joining UST, he served as Chief Revenue Officer at MVB Bank, where he specialized in blockchain, digital assets, and emerging payment systems, helping the bank become a leader in fintech enablement. His work has played a key role in advancing modern payment solutions and driving economic development in global markets.
A strong advocate for operational excellence, [Name] is committed to building systems that support rapid innovation while ensuring regulatory compliance, customer trust, and long-term growth.
Jack brings a seasoned background in banking and financial services, with a career that spans over 19 years in the industry. He began his journey at Wells Fargo Bank, where he held multiple leadership roles across commercial lending, retail banking, and credit risk management.
Beyond traditional banking, he has dedicated much of his career to the Money Services Business (MSB) and Money Transmitter License (MTL) space, working closely with both startups and established firms. His experience includes building fintech platforms, launching payment and remittance solutions for emerging markets, and developing scalable, compliance-driven infrastructure for financial entities.
Today, he continues to focus on bridging the gap between innovation and regulation, helping financial institutions modernize operations while remaining compliant in a rapidly evolving global landscape.
Tony brings a distinguished track record in banking compliance, risk management, and anti-money laundering (AML), with over two decades of experience leading regulatory programs at some of the most respected institutions in the financial services industry.
He previously served as Chief Auditor, Risk & Compliance Officer at Rapyd, a $15 billion fintech company, and as Chief Risk Officer (CRO) at Victor Financial, a division of MVB Bank. His regulatory leadership also includes roles as Chief BSA/AML & OFAC Compliance Officer at PNC and Chief Compliance Officer (CCO) at FIX Foreign Exchange.
Throughout his career, he has led enterprise-level fraud and compliance operations, including serving as Director of Fraud at Rabobank, and has acted as a Risk & Compliance Advisor to major institutions such as JPMorgan Chase & Co., Axos Bank, BB&T, M&T Bank, Banco Monex, Banc of California, COR Clearing, and others.
At UST, he leads our Bank Secrecy Act (BSA), AML, and OFAC programs, ensuring that our compliance operations remain robust, forward-looking, and aligned with global regulatory expectations.
With over 30 years of experience in mortgage banking, Israel Sontag is a seasoned leader known for his deep expertise in business development, compliance, operations, and portfolio management.
Throughout his career, he has successfully navigated dynamic market cycles, consistently delivering strong results across both retail and wholesale lending environments.Israel has led the growth and oversight of diverse mortgage portfolios, implemented operational efficiencies, and developed client-centric solutions that drive sustainable business growth. His comprehensive understanding of the regulatory landscape and his hands-on leadership approach have made him a trusted advisor and strategic partner across all levels of mortgage banking.
At UST, Israel leads the bank’s mortgage division, where he focuses on expanding lending capabilities, optimizing workflows, and ensuring regulatory compliance, while delivering best-in-class service to clients and partners alike.
Our People
Chief Executive Officer
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Randy Leonard
Chief Information Officer
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Jack Robinson
Senior Vice President
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Tony de la Mora
Chief Compliance Officer
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Israel Sontag
Director
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