Elizabeth Ratto

Managing Director,
Bank of America - Retail Finance

Contact Details

Bank of America - Retail Finance
Boston, MA
Work: (617)434-4113
Corporate Member


Betsy Ratto is the Retail Finance Group executive at Bank of America Merrill Lynch. The Retail Finance Group is an industry-focused team of ABL specialists that meet the financial needs of retailers. Betsy has specialized in providing asset-based solutions for Bank of America for more than 30 years and has specialized on the Retail Sector since 1996. She and her team are industry leaders in retail ABL, serving as agent on many of the largest retail ABLs.

Betsy has taken an active involvement in financing a broad range of complex acquisition transactions and has taken an innovative and creative approach to challenging situations. Over the years and through challenging cycles in the economy and sector, Betsy has honed strong turnaround and workout skills.  Under her leadership, Bank of America’s Retail Financing team has a zero-loss track record despite significant bankruptcy restructurings and liquidations.

Betsy earned a Master of Science in Accounting from Fairfield University and a Master of Business Administration from Boston College. She lives in Boston with her husband and two daughters.  Her interests include cooking, gardening, yoga, skiing and enjoying the great outdoors.