Ms. Wardell-Smith brings extensive experience to the Board in the areas of wholesale banking, financial institutions, global payments and fintech partnerships. Ms. Wardell-Smith is the former head of Visa's commercial business across North America and was responsible for product, partnerships, sales and platforms. While at Visa, she led financial institution initiatives related to card issuance, real-time payments, cross-border payments, and new payment flows. Prior to Visa, Ms. Wardell-Smith was an executive vice president at Wells Fargo and served on the management committee. During her long tenure at Wells Fargo, Ms. Wardell-Smith held senior leadership positions in a number of banking divisions that served consumers, commercial businesses and institutional clients. These divisions included the financial institutions group, the global treasury management group, the foreign exchange group and the corporate and investment banking division. Ms. Wardell-Smith is an experienced board member and advisor. For the past few years, she has served as an advisor at NYCA, a venture capital firm focused on connecting fintech companies to the global financial system. She is a board member at the Provenance Blockchain Foundation, an organization focused on enabling financial institutions and fintech firms to securely issue, transact and service digitally-native financial assets at scale on the Provenance blockchain. Previously, Ms. Wardell-Smith served on the U.S. board of Revolut, a fintech company offering certain banking services. She also served on the board of the CLS Group which operates a large multi-currency cash settlement system designed for financial institutions. Prior to that, Ms. Wardell-Smith was a member of the Working Group on U.S. Renminbi Trading and Clearing, and on the board of the Global Foreign Exchange Division. Ms. Wardell-Smith has a Bachelor of Science degree in International Finance from the University of San Francisco.