Michelle Lewis is an executive advisor and consultant with 25+ years of experience across payments, fintech and global financial services. She has built the governance, regulatory and operating foundations behind leading payment and identity platforms at American Express, Early Warning Services (Zelle), Stripe and Trustly, where she most recently served as Chief Compliance Officer for the Americas. Her work includes leading the development of the network operating rules, risk and governance frameworks that brought Zelle to market, developing operating rules, compliance frameworks and network processes at American Express, and expanding Trustly's money transmission licenses and bank partnerships. Michelle believes that governance, compliance and risk management, done well, are business differentiators that establish stakeholder trust early and enable lasting success.