Article: Banker's low-profile days fading - Sovereign Bank's debut.

He's worked for New England's biggest banks. He runs the region's largest auto financing operation. And, in about five months, he'll take over the region's third-largest bank franchise.

Yet Joseph Campanelli is largely unknown to his fellow Boston bankers, much in the way that his employer, Sovereign Bancorp Inc. of Wyomissing, Pa., is a mystery to customers in New England.

As Campanelli and Sovereign prepare to take over 278 branches being sold by Fleet and BankBoston, Sovereign must prove it can compete, or risk becoming a takeover target, industry observers say.

"Certainly the management infrastructure at Sovereign Bank has not been set up ...

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