Fintech Navigate Staff

Financial technology (fintech) continues to change the dynamics of banking and how financial products and services are delivered to consumers. At the SF Fed, we’re analyzing fintech innovations and their impacts on financial institution supervision, community development, financial stability, payments, and other areas. Our goal is simple: to help facilitate responsible innovations while protecting consumers and ensuring the safety and soundness of banks. SF Fed Navigate fintech analysts are available to help answer questions from fintech companies and banks to build an understanding of the financial regulatory environment so innovative ideas thrive.

Talk with us

We hold public office hours the 1st and 3rd Tuesdays every month from 2:00 p.m.–5:00 p.m. PT. You may request an appointment at those times or another time that is convenient for you.

Our Team

Tracy Basinger
Executive Vice President and Director

Tracy Basinger is an executive vice president and the director of the SF Fed’s Financial Institution Supervision and Credit Division. She is responsible for overseeing the SF Fed’s financial institutions supervision, discount window, and related functions including the Division’s fintech group.

Gerald Tsai

Gerry Tsai is a director in the SF Fed’s Financial Institution Supervision and Credit division where he leads the Bank’s fintech team. He is especially interested in financial regulatory and payments matters. Gerry also leads the SF Fed’s regulatory applications function and formerly practiced as a banking and payments lawyer.

Tim Marder
Senior Supervisory Fintech Analyst

Tim Marder is a senior supervisory analyst for the SF Fed’s fintech team. His work is concentrated on understanding partnerships between banks and fintech firms. He has previously worked for 15 years as a bank examiner, examinations manager, and participated in a wide range of examinations, including some involving troubled banks.

Joanne Xu
Supervisory Fintech Analyst

Joanne is a supervisory analyst for the SF Fed’s fintech team. She monitors investment, technology, and regulatory developments related to the fintech industry. Her research interests include fintech business models, consumer impact, and domestic and foreign regulatory changes. Before joining the team, she was a senior corporate financial analyst at Visa. She is a Chartered Financial Analyst.