Anju Patwardhan

Independent Non-Executive Board Director at Xapo Bank; Chair of Audit Committee; Member of RemCo

2023

Xapo is a fully regulated bank based in Gibraltar that offers accounts in USD and BTC. It is a digital private bank for the mass affluent, focused on wealth preservation for its members by offering international bank accounts in a safe jurisdiction. Xapo Bank members earn interest on their deposits and receive a global debit card for ATM and merchant transactions.

Independent Non-Executive Director

2025

Deep Future Analytics (DFA) is a leading expert in using AI and machine learning for credit risk analytics for consumer lending and SME lending products, credit stress testing, climate risk stress testing, risk-based pricing, model risk management, etc. It holds six patents and has a client base of over 200 credit unions, banks, regulators, and manufacturing companies. The CEO & Founder, Joe Breeden, has published over 40 academic articles and has written several books on these topics.

Independent Non-Executive Director; Member of Board Risk Committee and Board Innovation Committee

2019

Board Director and Member of Board Executive Committee, Board Risk Committee, and Board Innovation Committee.

Member of the Global Advisory Council, Distinguished Careers Institute

2021

Guest Faculty for FinTech course, Graduate School of Business (GSB)

2017 - 2022

Fellow, Distinguished Careers Institute

2017 - 2018

Fulbright Fellow and Visiting Scholar from ASEAN (FinTech and Finl Incl)

2016 - 2016

Independent Non-Executive Board Director, Member of Board Audit & Risk Committee

2018

Board Director and Member of Board Audit & Risk Committee. Upgrade is licensed in over thirty states in the US and offers a new banking experience through access to credit cards and installment loans.

Nominee of Public Investment Fund on Board of GIB

2019

The Public Investment Fund (PIF) is one of the largest sovereign wealth funds in the world and has a diversified portfolio through investments at domestic (Saudi Arabia) and international level.

Impact Circles: Artificial Intelligence; Digital Transformation of Industries

2023

Steering Committee Member, Disruptive Innovation in Financial Services

2015

Inaugural Member, Global Future Council on Blockchain/DLT

2016 - 2018

Non Executive Board Director & Vice Treasurer; Chair of Tech Committee; Member of Audit Committee

2024

Chair of Board Technology Sub-Committee, Member of Board Audit Committee, and Member of Board Advisory and Research Sub-Committee (ARC)

SUSS Fellow (FinTech and Blockchain)

2016

Co-Founder & CEO

2016 - 2025

Focused on philanthropy; venture and impact investing; advisory and consulting on future of ageing with a financial inclusion and financial well-being lens. Published “Financial Inclusion in the Digital Age" with IFC (Part of World Bank) and Stanford University. Launched “Designing for a 100-Year Life" website for sharing knowledge and resources on longevity and financial well-being after my Rockefeller Bellagio Residency.