Margaret Ryan is Senior Vice President and Head of Product for Amex Digital Labs, American Express’ in-house innovation team focused on emerging technologies and digital customer experiences. She leads a portfolio of membership and payments products spanning agentic commerce, generative AI, Web3, digital wallets, and next-generation commerce experiences.

During her tenure at American Express, Margaret has led the development and launch of products across consumer checking, open banking, peer-to-peer payments, QR payments, and digital commerce. Most recently, she led the team behind the launch of the American Express Agentic Commerce Experiences (ACE) Developer Kit, which provides the technical specifications needed to enable Amex Cards and Membership value within AI-powered experiences.

Before joining American Express, Margaret worked at Forrester Research. She graduated from Williams College and earned her MBA from Columbia Business School. Margaret lives in New Jersey with her family and enjoys decorating cakes in her spare time.