Amer Kamal

About Amer Kamal

I build and scale payments infrastructure, digital banking platforms, and tokenization solutions at the intersection of traditional financial systems, embedded finance, blockchain, tokenized deposits, stablecoins, and digital assets.I take a hands-on, execution-driven approach—combining deep technical fluency with the ability to align teams, regulators, and partners around complex transformation.Over the past 20+ years, I have led tokenized deposit initiatives, global payments networks, cross-border platforms, Banking-as-a-Service (BaaS) models, and digital bank builds. Most recently at USBC and VAST Bank, I lead enterprise payments and tokenization strategy and execution across both organizations. Prior to this, I held senior leadership roles at Western Union, USAA, and U.S. Bank, driving global payments modernization, building neobanks and BaaS platforms, and scaling customer-rated 4.8-star mobile apps.Today, I focus on advancing financial services through tokenized deposits, stablecoin integration, real-time payments, and embedded finance platforms deployed within regulated, bank-grade environments. I take emerging technologies from concept to production and bridge DeFi and traditional banking to optimize liquidity, treasury efficiency, capital utilization, and scalable commercial growth.Key areas of focus:> Payments infrastructure (ACH, RTP, FedNow, SWIFT, cross-border, cards)> Tokenization, tokanized Deposits, stablecoins, tokanized money, digital assets> Cross-border payments, FX, liquidity optimization> Digital banking, BaaS, embedded finance> Product, risk, compliance, and operating modelsSkills:Stablecoin. Deposit Tokens. Blockchain. Digital Product. Strategic Leadership · Transformation Leadership · · Digital Strategy · Customer Experience · Product Management · Strategic Roadmaps · Omnichannel Strategy · Financial Services · Cross-Border Payments · Real-Time Payments · Open Banking · FinTech · Neobanks · Cryptocurrency · Blockchain Solutions · Crypto Payment Rails · DeFi Integration · Crypto Wallet · Tokenized Payments · Embedded Payments · Global Card · Mobile Payments Embeded finance Tokanized Deposits· Turnarounds · Managing Director · Partnerships · Crypto-to-Fiat Solutions

Experience

1. EVP & Chief Payments Officer - Tokenized Deposits - Dual Role Alongside Usbc

   Vast Bank

   Jun 2025 — Present

   Dual role alongside USBC, leading regulated banking infrastructure and payments execution:Led enterprise payments, digital banking, and infrastructure strategy within a regulated bank environment, enabling the integration of tokenized deposits, deposit tokens, and stablecoin-aligned capabilities into on-chain core banking systemsOwned end-to-end payments infrastructure across domestic and cross-border rails, ensuring alignment with regulatory requirements, risk frameworks, and operational resiliency standards.Led expansion of payment rails across ACH, Fedwire, RTP, FedNow, SWIFT, cross-border payments, and card networksEnsured blockchain and tokenization infrastructure met bank-grade standards across security, compliance, and operational controlsEstablished operating model aligning bank infrastructure with USBC tokenization platformBuilt cross-functional alignment across risk, compliance, operations, and technology to support new payment and tokenization capabilitiesEnabled scalable partner integration and readiness for B2B and B2B2C use cases

Education

• Singapore Management University

  Master of Business Administration (M.B.A.), Global Executive MBA Rotation

  2017

• Insper Instituto de Ensino e Pesquisa

  Master of Business Administration (M.B.A.), Global Executive MBA Rotation

  2017

• Dale Carnegie Training

  Dale Carnegrie Course, Influnce and leadership

  2016 — 2016

• IE Business School

  Global Executive MBA, Ranked 8th in the world by Financial Times

  2017

• UCLA Anderson School of Management

  Master of Business Administration (M.B.A.), Global Executive MBA Rotation

  2017

• Harvard University

  Executive Negotiations & Leadership Development

  2016 — 2016

Skills

• Customer Relationship Management (Crm)
• Strategy
• E-Commerce
• Mobile Payments
• Customer Experience
• Product Management
• Mobile Applications
• Customer Experience Analysis
• Digital Strategy
• Mobile Devices
• Process Improvement
• Program Management
• Mobile Technology
• Marketing
• Organizational Leadership
• Business Development
• Banking
• Business Strategy
• Collaborative Leadership
• Team Management
• Vendor Management
• Omni
• Leadership
• Budgets
• Multi-Cultural Team Leadership
• Negotiation
• Experience Design
• Strategic Planning
• Digital Transformation
• Product Development
• Product Marketing
• Interviews
• Mobile Communications
• Management
• User Experience Design
• Overseas Experience
• Sales
• Team Leadership
• Project Management