Courtesy of @shinethatlite

Meet Our Advisor Martine Niejadlik!

Martine Niejadlik, former Chief Compliance Officer at Coinbase® brings over 25 years of experience leading risk and compliance management solutions for financial institutions and payment leaders across the Web. Most recently Martine acted as advisor to Dapper Labs, the company behind CryptoKitties. Prior to these appointments, Martine held a variety of positions in the areas of risk, compliance and customer support for Boku, Inc., PayPal, eBay and Amazon. She was one of the early lead developers of the FICO credit score system, a standard-bearer for measuring consumer risk in U.S. markets. Martine holds a B.S. in Statistics from the University of Michigan and an M.S. in Statistics from Stanford University.

How will your experience at Coinbase® translate into benefits for unFederalReserve?

In 2013, I became convinced that crypto was going to change the future of financial service; I joined Coinbase® shortly thereafter. During these early days few people understood (or had even heard of) bitcoin/crypto and we encountered challenges on a daily basis which we needed to overcome. Some of these challenges were “standard” at many companies but in the crypto world it required that we pioneer solutions. I hope and believe these experiences will help unFed as they grow and face similar challenges.

What do you see as the greatest disconnect between centralized finance and decentralized finance?

I’m not sure I’d use the term “disconnect”; I think these are two different solutions and each have use cases where one might be better than the other. Folks working in centralized finance should recognize that some things are better/more efficient in a decentralized environment and vice-versa.

In your view, what’s standing in the way of institutional adoption of crypto and blockchain technologies?

Time. Institutional adoption takes time and I believe it will happen, but we’re still in early days. As the crypto space matures, applications are developed and crypto prices stabilize, institutional adoption will continue to grow.