Michelle Zhao
SVP Mastercard
Michelle Zhao is Senior Vice President, Co-Founder and Global Product Head of Mastercard Move Cross-border Services. Mastercard Move Cross-border Services supports customers – Banks, Non-bank Financial Institutions, and SMEs in moving money to the world through one connection, ensuring accessibility, predictability, certainty, speed, and security. She’s on the BAFT Global Payments Industry Council. Prior to joining MasterCard, Michelle was the US Head of Cross-border Cross-currency Payments at HSBC, where she was accountable for USD Clearing and Cross-border Cross-currency Payment product portfolio, as well as managing cross-border Financial Institution Group inbound sales. She was also a committee member of The Clearing House CHIPS Business Committee. Additionally, Michelle held multiple roles at JPMorgan in its Global Payments Solutions organization, at Wells Fargo in its Wholesale Payments organization, and was the Head of Consumer FX eProducts in the Global Markets organization at Bank of America.
2026 Agenda Sessions
Have your cross-border payments passports expired?
In a world where crossing borders is harder than it’s been in a decade, moving money across them is no longer just a technical challenge - it’s a strategic one. From FX volatility to fragmented rails, cross-border payments demand orchestration, agility, and trust at scale.
This panel brings together leaders from platforms, banks, and PSPs who are building global infrastructure without boots on the ground. Hear how they’re navigating regulatory patchworks, local preferences, and liquidity constraints - while keeping speed and UX front and center.
Takeaways:
• How global platforms are stitching together local rails and payment cultures.
• Smart strategies for FX, settlement, and liquidity in a fragmented world.
• Where stablecoins, wallets, and new tech are reshaping the cross-border stack.
Monday 30 March 16:15 - 16:55 Payments
Cross-Border & Globalization
Crypto & Digital Assets
Security & Fraud
This panel brings together leaders from platforms, banks, and PSPs who are building global infrastructure without boots on the ground. Hear how they’re navigating regulatory patchworks, local preferences, and liquidity constraints - while keeping speed and UX front and center.
Takeaways:
• How global platforms are stitching together local rails and payment cultures.
• Smart strategies for FX, settlement, and liquidity in a fragmented world.
• Where stablecoins, wallets, and new tech are reshaping the cross-border stack. Payments US/Pacific
