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.
Kaitlin Asrow covers data portability, data privacy, and artificial intelligence. Prior to joining the Fed, she worked as a research manager for a nonprofit consulting firm, the Financial Health Network, and specialized in financial data use and aggregation in the US. Kaitlin has published multiple papers on data policy, most recently an evaluation of current debates and considerations around data protection and data rights in the United States. Previously, she managed economic growth projects in the Middle East for USAID. Kaitlin received her masters of public policy from the University of Chicago and her BA from Stanford University.
Sean Creehan is lead for financial health, inclusion, and technology. Before joining the Fed, Sean worked as a management consultant to clients investing in Asia. He holds a master’s in international economics from Johns Hopkins School of Advanced International Studies and a bachelor’s in social studies from Harvard College. He spent a postgraduate year as a Harvard-Yenching Scholar at Peking University, and speaks Mandarin Chinese and Indonesian. In addition, he is a Chartered Financial Analyst (CFA) and a term member of the Council on Foreign Relations.
Ana De Sousa covers cryptoassets. She was previously Head of Operations at FalconX, an institutional crypto prime brokerage backed by Coinbase and Amex. There she managed relationships with domestic and international regulators; implemented risk management systems for BSA/AML, credit and liquidity; and helped the company raise multiple VC financing rounds. She has also advised several businesses in the digital asset space. Ana holds an MBA from Harvard Business School and a bachelor’s in economics from Harvard College.
Cindy Li covers digital banking and lending. In addition, she manages the Supervision + Credit Group’s country analysis function and Asia Program. Prior to joining the Fed, Cindy was a senior economist at the Milken Institute, where she led research projects on global capital market trends and U.S. banking regulation. Cindy has a PhD in economics from UC Riverside and a BA in international finance from Peking University in China. She also holds the designation of Chartered Financial Analyst (CFA). Cindy is a recipient of the Federal Reserve Bank of San Francisco’s Legacy Award for Leadership.
Tayeba Maktabi covers emerging technologies and innovations in payments 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 usage and demand for cash. Prior to the Fed, Tayeba led two innovative clinical trial research programs in breast cancer treatment and research at UCSF. She has a master’s in public policy from Duke University and a BS in physiological sciences from UCLA.
Paul Tierno covers the ongoing use of cloud resources among banks and nonbank fintechs. Before joining the SF Fed, Paul performed macroeconomic and political research of emerging markets in Asia. Paul received a master’s degree in international affairs from Columbia University’s School of International and Political Affairs. Paul also holds a bachelor’s degree in history from New York University.
Linda True covers digital banking and lending and is the Asia Program coordinator. Previously, Linda worked on international trade issues and trade remedy cases as a senior analyst at White & Case/Weerawong CP in Bangkok, as an associate at Wachovia Bank on KYC compliance in D.C., and as an assistant auditor at Pricewaterhouse Coopers in Bangkok. She holds a master’s degree in international relations from Johns Hopkins University’s School of Advanced International Studies, and a bachelor’s degree in accounting from Thammasat University. She is also a graduate from the Pacific Coast Banking School.
Joanne Xu covers licensing for financial institutions, fintech lending, and domestic and foreign regulatory developments related to the fintech industry. Her prior experiences include corporate finance at Visa and institutional wealth management at Citigroup. She has an MBA from UC Berkeley and is a Chartered Financial Analyst (CFA).
Mitchell Lee is the Director of the Fintech, Country Analysis, and Outreach & Engagement function. Prior this role, Mitchell was a deputy lead of the Capital Planning Team within the Comprehensive Capital Analysis and Review (CCAR) program and received the Bill Taylor Award. Prior to the Fed, he was a risk management consultant at Ernst & Young. Mitchell holds an MBA from The Wharton School, a master’s in accounting from the University of Virginia, and a bachelor’s in finance from the University of Florida.
Program Executive Sponsors
Executive Vice President
Azher Abbasi is an executive vice president and the head of the SF Fed’s Supervision + Credit Group. He is responsible for overseeing the SF Fed’s financial institutions supervision, discount window, and related functions including the fintech team.
Group Vice President
Mongkha Pavlick is a group vice president in the SF Fed’s Supervision + Credit Group. She is responsible for overseeing the SF Fed’s consumer compliance supervision, credit risk management, applications, and fintech teams.