Gerald Tsai
Director, Applications, Enforcement & FintechFederal Reserve Bank of San Francisco
Gerald Tsai is Director of Applications and Fintech in the Financial Institution Supervision and Credit Division of the Federal Reserve Bank of San Francisco. In his fintech role, Mr. Tsai leads a team of analysts that focus on better understanding the opportunities and regulatory questions posed by the fintech industry, as well as related impacts on the banking sector. In his applications capacity, he oversees a team which reviews and acts on regulatory applications by banking institutions to engage in mergers, acquisitions, and other expansionary activities.

Mr. Tsai previously served both as Corporate Secretary and as Associate General Counsel for the Reserve Bank’s Legal Division where he focused on payment systems and bank regulatory matters. Before joining the Reserve Bank, Mr. Tsai was vice president and counsel at a large financial institution in Los Angeles, and was an attorney with the Federal Reserve Board in Washington, D.C. Mr. Tsai graduated from Johns Hopkins University and Boston University School of Law; he is admitted to the bar in California and Massachusetts.