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

Gerald Tsai

Gerald Tsai
Gerry Tsai is a director in the SF Fed’s Financial Institution Supervision and Credit Group 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.

Kaitlin Asrow
Fintech Policy Advisor
Kaitlin is responsible for research and monitoring in the areas of data aggregation, data privacy, artificial intelligence, and financial investment and saving platforms. Kaitlin worked for a nonprofit research and consulting firm and specialized in the growth of financial data aggregation.

Michael Gaston
Innovation Strategist
Mike researches, develops and tests potential uses of new technologies (including artificial intelligence and distributed ledgers) to enhance the efficiency and effectiveness of certain supervisory processes. Prior to joining the SF Fed, Mike worked for 3.5 years at the Minneapolis Fed as a Senior Quantitative Analyst in the supervision function.

Tayeba Maktabi
Fintech Policy Advisor
Tayeba researches and monitors emerging technologies and innovations in payments, cryptocurrencies, and distributed ledger technologies. Tayeba was formerly a Senior Policy Analyst in the SF Fed Cash Product Office where she researched consumer behavior and market trends in payments, emerging payment technologies, and other factors affecting cash usage and demand.

Joanne Xu

Joanne Xu
Fintech Policy Advisor
Joanne researches and monitors developments in the areas of licensing for financial institutions, fintech lending, and domestic and foreign regulatory developments related to the fintech industry. Her prior experiences include corporate finance and institutional wealth management.

Program Executive Sponsors

Tracy Basinger

Tracy Basinger
Executive Vice President
Tracy Basinger is an executive vice president and the head of the SF Fed’s Financial Institution Supervision and Credit Group. She is responsible for overseeing the SF Fed’s financial institutions supervision, discount window, and related functions including the fintech team.

Mongkha Pavlick
Group Vice President
Mongkha Pavlick is a group vice president in the SF Fed’s Financial Institution Supervision and Credit Group. She is responsible for overseeing the SF Fed’s consumer compliance supervision, credit risk management, applications, and fintech teams.