Anju Patwardhan is a globally experienced board director, former banking executive, and fintech venture investor with deep expertise across banking, digital assets, and financial innovation. She currently serves as an Independent Non-Executive Director and Chair of the Board Risk Committee at Xapo Bank, Europe’s regulated digital asset bank for high-net-worth clients, and sits on boards of banks and AI-driven financial services firms across Europe, the US, Asia, and Saudi Arabia.

With over two decades at Citibank and Standard Chartered Bank, Anju held senior global leadership roles including Global Chief Innovation Officer, Chief Risk Officer, and Digital Banking Head for Asia, overseeing large-scale transformations across 35+ countries. As an investor, she managed a USD 1 billion fintech VC fund in Silicon Valley, investing in 75+ companies across digital assets, blockchain, AI, and financial infrastructure. Anju is a recognized thought leader on digital assets, risk, governance, and the future of banking.