Tina Chan Reich

With over 20 years of experience as a global senior executive in credit and risk management with fintech and bank experience supporting SMBs, Ms. Reich currently serves as Head of Credit and Risk at Theorem, a financial technology and investment firm. Prior to Theorem, Ms. Reich was Senior Vice President and Chief Credit Officer for Global Financing, Payments and Digital Experiences for American Express. She led the risk organization in launching and scaling products such as installment loans, working capital, merchant financing, lines of credit, business checking accounts, debit cards, cross-border payments, AP automated solutions, corporate card underwriting, invoice payment financing and financing options such as whole loan sales and equity equivalent (EQ2) investment vehicles.

Before her time at American Express, Ms. Reich was Chief Risk Officer and Chief Data Scientist at Credibly, helping it become a securitized fintech issuer with over $1B in funding. Prior to that, Ms. Reich was Group Head of Citibank's Commercial Banking Risk Strategy and Analytics Group, responsible for over $5B in lines of credit and installment loans, as well as overdraft and deposit products. Before Citibank, she was at American Express, responsible for the underwriting of consumer cards during the economic downturn of 2006-2009.

Ms. Reich currently serves as an advisor to Clara, the leading corporate credit card and spend management solution in Latin America, as well as LatAm’s fastest growing startup. In addition, she served on the Board of Citicorp Payment Services and several advisory boards including the Small Business Financial Exchange and Experian’s Financial Services Advisory Council. She was named one of Crain's 2019 Notable Women in Banking and Finance. She is passionate about financial inclusion, minority lending and helping promote the furthering of women in science and technology.

Ms. Reich holds a bachelor’s degree in economics from the Massachusetts Institute of Technology.