Valerie Towery is an accomplished financial services compliance executive with extensive experience in regulatory compliance, risk management, and operational efficiency. As Vice President and Chief Compliance Officer at Visa Global Services Inc., Valerie oversees AML/BSA compliance and manages teams across the U.S. and the UK, driving initiatives to enhance compliance frameworks and mitigate financial crime risks. Her expertise spans a range of financial sectors, having held leadership roles at Worldpay, SquareTwo Financial, and Western Union, where she developed and implemented robust compliance programs, navigated complex regulatory landscapes, and optimized compliance operations. A U.S. Army Reserve veteran and fluent Russian speaker, Valerie’s global cultural awareness, strategic insight, and commitment to ethical standards continue to make a significant impact in the financial services industry.

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Navigating financial regulations in today's digital age is increasingly complex as technology transforms how financial institutions operate. The integration of advanced technologies like AI, blockchain, and big data is reshaping regulatory frameworks, offering enhanced efficiency, accuracy, and transparency. However, these innovations also present new challenges, requiring regulators to balance fostering innovation with maintaining financial stability and consumer protection. International cooperation is essential, as digital finance often crosses borders. By embracing technology and promoting collaboration between regulators and fintech companies, a resilient and innovative regulatory environment can be achieved.