Worldwide, women are leading the way in building and funding disruptive technologies in fintech to advance businesses, broaden access and reduce the disparity in wealth, and transform how people invest in digital assets. Many of these women are featured in 100WFinTech’s Public Directory and are the changemakers in their respective fields in fintech.
In this ‘100WFinTech Changemakers’ series, we highlight Tram Anh Nguyen (UK/ Singapore/ UAE) and Laliana Reasor (UK), two senior fintech leaders who have created opportunities that were open to them via their writing, talks, entrepreneurship, investing, and community building. In the process, they open doors for women investors and diverse founders and broaden financial access for many. We hope the stories of these female fintech leaders can inspire the next generation of finance professionals to build a better and more inclusive world by leveraging technology.
If these stories and missions resonate with you, please share them with your network, get in touch with us, or join the Public Directory.
Tram Anh Nguyen
Co-founder of CFTE, Board Advisor of Global Finance & Technology Network, GFTN Japan, Entrepreneurship Expert at Saïd Business School, University of Oxford.
Location: UK / Singapore / UAE
LinkedIn: https://www.linkedin.com/in/tramanhnguyen9/
Websites:
CFTE website: https://courses.cfte.education/
Book/whitepaper websites:
- The AI-fication of Talents Whitepaper
- Fintech Job Reports: here and here.
- AI-Literacy Whitepaper
- Shaping the Future of Workforce in Financial Services Report:
- Women Leadership in a Tech World Report
- Re-architecting the Financial System Report
Tram Anh Nguyen is the Co-Founder of CFTE, a global education platform in digital finance, and Chairwoman of Global Women in AI. Before launching CFTE in 2017, she spent nearly two decades with Standard Chartered Bank in New York, Dresdner Kleinwort and UBS Wealth Management in London, advising ultra-high-net-worth clients and family offices. A recognized voice for the future of work, she partners with governments, central banks and tier-one institutions worldwide to deliver large-scale reskilling programs. Additionally, she has co-authored the world’s largest Fintech Job Report and is a 100WFinTech volunteer committee member.
A champion of lifelong learning in digital finance, she works closely with governments, regulators, and financial institutions to build future-ready workforces. She leads initiatives that bring industry and public sector stakeholders together to design large-scale education strategies, develop forward-looking curricula, and ensure the financial sector is equipped to thrive in a digital, AI-driven economy. Under her leadership, CFTE has expanded its impact globally, educating over 160,000 alumni in 130+ countries and collaborating with more than 1,000 industry experts to accelerate the transformation of finance through education. A passionate advocate for diversity, equity, and inclusion in technology, she leads the Global Women in AI, a global community committed to increasing female representation and impact in artificial intelligence.
Beyond her role at CFTE, Tram Anh serves as Board Advisor to the Global Finance and Technology Network (GFTN) by MAS Singapore, with a focus on Japan. She also advises the Boards of EDHEC. In addition, Tram Anh is an Entrepreneurship Expert at Oxford’s Said Business School, and an Industry Fellow at Imperial College.
She serves as Co-Chair of the Britcham of Singapore’s Fintech and Finance Committee and is also the Ambassador of the Singapore FinTech Festival.
She is based in London, spending time between the UK, France, Singapore, and the UAE.
Today, Tram Anh will share her startup journey of CFTE, her inspirations from a recent talk at the Singapore FinTech Festival on the Talent Stage about the impact of AI on jobs, and her recommendations on solidifying our domain expertise, developing new skills, and how to be AI-ready.
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100WFinTech: Why did you co-found CFTE? What is your vision and aspired impact on the fintech space?
Prior to co-founding CFTE, I had navigated between the corporate and the entrepreneurial worlds. I spent 18 years in traditional finance (as opposed to the world of digital finance), and one of the few female capital markets traders at Standard Chartered Bank in New York back in the early 2000s. I then moved to London and became a wealth manager for UBS private banking. Today, I’m an entrepreneur working with a lot of different stakeholders in finance and fintech across the world.
When I co-founded CFTE in 2017, it wasn’t just about launching another education company. It was about solving a problem I saw everywhere: smart, capable professionals being left behind because the world of finance was moving faster than traditional education could keep up. When working in traditional finance, I witnessed how digital transformation—fintech, AI, blockchain—was creating a new world with new rules. We needed a bridge between those two worlds. That’s why CFTE was born. We have this big vision to empower people with the knowledge and mindset they need to thrive in the future of finance. Not just to survive change, but lead it around the world.
To do this, we knew we would need to work with many stakeholders. Today we work with 1000+ experts from the world’s leading banks, regulators, and tech companies, teaching practical use cases. We make sure our learners—from young professionals to C-suite leaders—get the most relevant and actionable knowledge. We serve learners in more than 130 countries, working with financial institutions, governments, startups, and universities to upskill people at scale.
What makes me proud is that we’re not just building skills—we’re building confidence for women. I’ve met mothers re-entering the workforce, women bankers pivoting into tech, and female students in emerging markets who now lead innovation projects at major institutions.
We believe the future of finance must be inclusive, diverse, innovative, and above all, have a positive impact on society. That future begins with knowledge, mindset, and opportunity, ensuring no one is left behind. We’re working in Europe, the UK, Asia, the Middle East, and Africa. In the UAE, for example, where we teach AI, Blockchain, and Digital assets and Regulations, 90% of our professional learners are women, which is super encouraging to witness!
What were the key takeaways when you spoke at the Talent Stage of the Singapore FinTech Festival?
I am one of the Ambassadors for the Singapore FinTech Festival (SFF). Last year, I was also the Host of the Talent Stage. SFF welcomed over 70,000 people from around the world. The audience ranged from students to C-suite executives with a good balance of representation, including many governments, policy makers, banks, startups, and entrepreneurs from around the world. The topics we discussed were naturally around AI, which continues to transform industries globally.
One area we discussed was AI literacy. This is no longer optional—it’s essential. The challenge isn’t just about adopting AI tools but about understanding them, using them responsibly, and navigating the ethical and societal shifts they bring. With regulations evolving rapidly and the cost of non-compliance becoming more severe, the need for AI literacy has never been more urgent. We have developed at CFTE our own framework, what AI literacy really means, and more importantly, how it can be implemented across industries. Because AI literacy isn’t just about knowing how to use ChatGPT or understanding algorithms, it’s about understanding the bigger picture. By focusing on structured training, critical thinking, ethical considerations, continuous education, lifelong learning and upskilling, businesses can ensure the teams not only comply with regulations but also leverage AI for innovation and competitive advantage.
On stage, people were debating and talking about ideas to bring students, professionals and entrepreneurs to grow and perform well. As AI and Gen AI innovations are scaling, new players have emerged, new activities have been created, old roles have been transformed or disappeared, and new roles have appeared. New skills are required to understand this new world: what’s the current landscape of AI and the adoption of Quantum? We had participation from senior leaders of the largest organisations and governments, sharing their best practices for bridging the skills gap, and showcasing the inspiring journeys of many incredible senior leaders and entrepreneurs.
What is your advice for those looking to better equip themselves for the era of AI?
Becoming a future-proof, highly skilled professional is what many of us want to achieve in a work environment where change is the constant. But what does it mean in practice? What are the future job roles and the important skills? Getting answers to these questions is essential to building skills that will help find interesting jobs in an AI world.
I would like to encourage everyone to develop their own AI skills. Don’t learn Coding or Python, invest time to learn how to combine your own domain expertise, digital skills and your own tool of AI to being more efficient. We need more knowledge-based people with domain expertise. Learn digital skills and supercharge them with AI. The effective development and implementation of AI requires collaboration between diverse teams with expertise in technology, business, and ethics. The human touch remains vital. While AI automates tasks, human skills like critical thinking, creativity, and problem-solving will continue to be essential for success. Regardless of your role, understand the basics of AI and be adaptable. We have produced many good reports to help you to learn more about the how to get into these new AI fields, AI-fication of jobs and Ai-fication of Talents and Supercharged professionals course online.
Liliana Reasor
CEO, SupraFin
Website: https://suprafin.io/
Location: UK
CEO, AeternaFi Labs
Location: Global
Website: https://www.aeternafi.com/
LinkedIn: https://www.linkedin.com/in/lreasor/
Liliana is the CEO of SupraFin, a UK/US early-stage company that empowers businesses with cutting-edge digital asset (crypto and real-world) investment, risk, and compliance solutions powered by AI. She also recently founded AeternaFi Labs, a next-generation DeFi protocol powered by AI designed to create yield-bearing stablecoins and tokens.
A recognized thought leader in the digital asset and fintech space, Liliana has spoken at over 50 industry events. She brings 27 years of experience in fintech, investment banking and capital markets, specializing in risk management, portfolio and risk analytics/software, complex securities risk management and trading, M&A and corporate finance. Her background includes roles at JP Morgan, Morgan Stanley, Deutsche Bank, Bank of America, and Moody’s Analytics in the US and the UK. Liliana holds an M.S. in Computational Finance from Carnegie Mellon University and an MBA from UCLA Anderson.
Her career has spanned diverse sectors and geographies within finance and has been a journey of continuous learning and adaptation. In 1995, Liliana took her first step into finance as a tech equity analyst intern in Los Angeles, captivated by the burgeoning internet sector. An MBA from UCLA Anderson opened doors to JP Morgan’s M&A world in New York, followed by a return to California with Bank of America in the corporate finance and M&A groups. The 2001 internet crash was a turning point, prompting her to pursue an MS in Computational Finance to deepen her quantitative skills and dive into complex credit derivatives trading in New York at Deutsche Bank and Cohen & Co. The 2007 credit crisis then spurred a move to London, where she took a leadership position as Head of Analytics for UK broker-dealers and hedge funds, focusing on portfolio & risk management software and later as Director at Moody’s Analytics, focusing on structured credit risk and portfolio analytics for European financial institutions and regulators. With each experience, Liliana gained invaluable insights, ultimately fueling her entrepreneurial drive to found Novus Ordo Capital (a fintech venture capital firm), SupraFin, a digital assets company, and AeternaFi Labs, a DeFi project.
Liliana will share her journey from large institutions to being an entrepreneur, how she spotted the opportunity in the crypto industry, and what she expects for the future of digital assets.
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What sparked the idea for SupraFin, AeternaFi Labs, and your focus on digital assets?
My journey into SupraFin began with a realization: the crypto industry, while innovative, lacked the fundamental risk and investment analysis tools I’d relied on in complex securities trading. With no established standards for token creation and a flood of new cryptocurrencies, I saw a clear need for reliable analytics. SupraFin was created to fill this void, offering crypto risk scores, risk assessment reports, and wealthtech to empower businesses to manage crypto risk, enhance returns, and ensure regulatory compliance. We are now expanding to include tokenized real-world assets, completing our vision for comprehensive digital asset solutions. In addition, we plan to leverage AI to further automate some aspects of our investment/risk/compliance solutions. Also, witnessing a surge in demand for stablecoins and yield-bearing tokens, I recognized a clear opportunity. Leveraging SupraFin’s deep expertise in crypto risk management, I founded AeternaFi Labs to develop robust and resilient stablecoins and yield-bearing tokens that directly address this growing market need.
How does your entrepreneurial experience compare to working in large institutions, and what have you learned?
My experience in large institutions was invaluable, providing a deep understanding of the complex systems that drive their success. The structured environment instilled a foundation of process and stability. Becoming an entrepreneur revealed the immense effort required to build and scale such organizations. The financial expertise I gained, which directly led to SupraFin, is crucial. However, entrepreneurship demands a broader skillset. It’s a constant state of adaptation, requiring you to wear multiple hats – from strategic planning to daily operations, fundraising to customer acquisition. The rapid pace and inherent uncertainty necessitate agility and decisive action. Ultimate responsibility rests solely with you, fostering a powerful commitment and a relentless drive for learning. You must be adaptable, make decisions with limited information, and resourceful, maximizing every opportunity with limited resources. Speed is paramount; swift action is essential for startup survival.
What are you most excited about in the future of digital assets?
The increasing clarity in global crypto regulation, with initiatives like MiCA in the EU, the UK’s regulatory roadmap, and the US’s expected proportionate crypto regulation, signals a pivotal moment for the industry, including stablecoins. Coupled with the burgeoning market for real-world asset tokenization, projected by McKinsey to reach $2 trillion by 2030, I’m confident SupraFin’s digital asset investment, risk, and compliance solutions are perfectly positioned to capitalize on these trends. I am also excited about the prospects for Aeternafi Labs, a project that will focus on building resilient and robust yield-bearing stablecoins and tokens powered by AI. Aeternafi Labs targets a market with a potential value of $46 trillion. Aeternafi Labs has secured a $1 million commitment and is negotiating a multi-million-dollar term sheet.
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Thank you to Tram and Liliana for sharing your valuable insights and journey with us!
Recently produced and upcoming events organized or co-hosted by 100WFinTech are as follows:
May 7, 2025, in-person event, Zurich, “Investment Opportunities in Core Sustainable Infrastructure”, produced by 100WFinTech and sponsored by B Capital Partners.
June 12, 2025, in-person fireside chat, San Francisco, “Digital Payments and Defining Trends – AI, Security, and the Future of Finance”, produced by 100WFinTech and sponsored by EY.
June 24, 2025, in-person event, London, “AI in Financial Services: Balancing Risk, Regulation and Reward”, produced by 100WFinTech and sponsored by Charles Russell Speechlys.
September 30, 2025, in-person event, Munich, “AI in Wealth: Fintech’s Innovation Frontier,” produced by 100WfinTech, sponsored by Allianz Global Investors and Plug and Play, and in collaboration with Swiss Fintech Ladies.
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This is the twelfth article of our FinTech Changemakers series. Going forward, we will continue to feature fintech book authors, TED Talk Speakers, lecturers, and influencers from around the world.
If you are interested in partnering with 100WFinTech, an initiative of 100 Women in Finance, please visit our website and contact us here.