Michele Alt
Partner & Co-Founder Klaros Group
Michele Alt is the co-founder of the Klaros Group, a leading U.S. advisory services firm focused on the fintech sector. She built and leads the country’s premier advisory team for fintechs seeking US bank charters and licenses. Michele has been involved in many of the most prominent fintech applications since fintechs began seeking bank charters in the U.S. Michele is currently leading numerous application efforts, including those of Brazil’s Nubank and other non-U.S. fintechs. Michele joined Klaros from Promontory Financial Group, where she led a number of major bank licensing efforts and assisted numerous major banking organizations on a range of Dodd-Frank and Volcker Rule interpretive and implementation matters. Before joining Promontory, Michele spent 22 years in the Law Department of the Office of the Comptroller of the Currency. During the financial crisis and in the years immediately following, Michele was a leader in the Law Department's Legislative and Regulatory Activities section, heading up numerous interagency rulemakings arising out of the Dodd-Frank legislation and serving as the agency's legal point person on federal preemption issues. Michele also served as OCC's district counsel in Chicago, leading a team of financial lawyers handling licensing and enforcement matters. She began her career as a judicial clerk on the U.S. Court of Federal Claims. She received her BA from the University of Michigan and her JD from Wayne State University, where she was an editor of the law review.
2026 Agenda Sessions
We bought a bank… now what?!
Forget the charter chase - some fintechs are skipping the queue and buying the whole bank. But once the champagne’s flat and the deal’s inked, reality sets in: legacy tech, compliance curveballs, and a whole lot of regulators on speed dial.
This panel pulls back the curtain on the M&A shortcut that’s suddenly back in vogue. Expect spicy takes on what it really means to own the rails - from staffing surprises to system spaghetti - and why this strategy might be the fastest way to go full-stack.
Perfect for your end-of-day wind-down: part therapy, part strategy, and just enough sass to keep the energy up.
Takeaways:
• Why fintechs are saying “skip the licence, buy the bank”.
• What ownership unlocks—from regulatory reach to product velocity.
• How to survive the legacy hangover (and maybe even thrive).
Wednesday 01 April 10:20 - 11:00 Banking
Alternative Capital & Investment
Infrastructure & APIs
Partnerships & Ecosystem Play
This panel pulls back the curtain on the M&A shortcut that’s suddenly back in vogue. Expect spicy takes on what it really means to own the rails - from staffing surprises to system spaghetti - and why this strategy might be the fastest way to go full-stack.
Perfect for your end-of-day wind-down: part therapy, part strategy, and just enough sass to keep the energy up.
Takeaways:
• Why fintechs are saying “skip the licence, buy the bank”.
• What ownership unlocks—from regulatory reach to product velocity.
• How to survive the legacy hangover (and maybe even thrive).
Banking US/Pacific