John Zazzera
President & CEO | Payments & FinTech Executive | Digital Assets, Tokenization & AI | Board Director | Banking Transformation | M&A / Private Equity | Regulatory (OCC, FRB, FDIC) | Former JPMC, TD, FIS
- Role
- Member, Strategic Advisory Board Member at SolomonEdwards
- Location
- Orlando, FL, US
- LinkedIn followers
- 500 followers
About John Zazzera
CEO | Payments & Regulatory Executive | Community, Regional & Global Banking | De Novo Charters | TradFi-Crypto BridgeSpecializing in regulatory transformations, M&A integration, de novo bank/trust charters, and turnarounds from community/regional banks to global fintech/digital asset platforms.I guide institutions of all scales through crises, remediation, and growth aligning governance, risk, payments strategy, and tech for stability, modernization, and scalable impact including public company and community governance.My expertise connects regulated balance sheets with blockchain: stablecoins, embedded finance, qualified custody, tokenized deposits/RWAs, DeFi, secure on-chain settlement. Deep knowledge in custody models (MPC/HSM/cold storage), wallet/key management, proof-of-reserves, Travel Rule compliance, and tokenized asset servicing30+ Years of LeadershipAcross banks, FinTech, SaaS, and digital asset ecosystems, I’ve served as CPO, COO, CIO, and board member integrating innovation, execution, control, and accountability under OCC, Federal Reserve, NYDFS, and international frameworks.Core Strengths- Regulatory remediation consent orders, MRAs/MRIAs, CAMELS- BSA/AML/KYC/OFAC- Enterprise transformation & operating models- Operational resilience, audit readiness- Third-party/cyber risk, M&A integration- AI/ML, cloud modernization, core banking- ALM, liquidity, TreasuryTransaction Services: U.S, LATAM, EU, APACPayments & Rails ExpertiseFedNow, RTP, Fedwire, CHIPS, SWIFT, ACH, ISO 20022, FX, USD clearing, cards, GTS, merchant services, BaaS, lending, wealth platforms supporting retail, institutional, and embedded financeProven ImpactOversaw $3T+ annual payment flows with enhanced governance, risk, and resilience.Delivered $8B+ P&L impact; managed $700M budgets and 1,700+ staff.Scaled SaaS to $358M revenue in three years.Led cloud migrations and successful turnarounds.De Novo & Digital Asset BuildsBuilt de novo trust banks and digital asset platforms end-to-end: charter applications, governance, ALM/liquidity, qualified custodial services, MPC/HSM/cold storage, fiduciary services, staking/yield, proof-of-reserves, Travel Rule, tokenized deposits, on-chain settlement.Passionate about building compliant regulated digital asset/Web3/crypto platforms powered by AI/ML for sustainable growth, enterprise value, and shareholder returns. Let\'s connect on regulatory turnarounds, de novo charters, institutional crypto custody, tokenized assets, payments modernization, community/regional bank innovation, or fintech bridging TradFi.
Experience
Member, Strategic Advisory Board Member
Sep 2025 — Present
Education
Saint Peter's University
Bachelor of Science , Finance and Financial Management Services
University of Pennsylvania
American Banking Associate Stonier Graduate Degree Graduate 2014, Banking, Corporate, Finance, and Securities Law
University of Bradford School of Management
Master of Science - MS
2004 — 2007
Babson College
Certificate of Advance Management Program 2009, Organizational Senior Leadership
Embry-Riddle Aeronautical University
Software Engineering -Friendship Alumnus
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