Full Name
Kaitlin Asrow
Job Title
Acting Superintendent
Company
New York State Department of Financial Services (NYDFS)
Speaker Bio
Kaitlin Asrow was appointed Acting Superintendent of the New York State Department of Financial Services (DFS) by Governor Kathy Hochul effective October 18, 2025.
Prior to her appointment, she served as Executive Deputy Superintendent of the Department’s Research & Innovation Division where she led the regulation of virtual currency entities, including BitLicenses and limited purpose trust companies. Under her leadership, DFS developed one of the world’s most sophisticated regulatory frameworks for digital assets and issued 11 pieces of groundbreaking regulatory guidance, helping to establish a global gold standard for virtual currency oversight.
Acting Superintendent Asrow also oversaw Department-wide initiatives on innovation policy, economic research, financial inclusion, and data governance. Since joining DFS in 2022, she has played a key role in advancing the Department’s operational modernization and transformation efforts.
Before her tenure at DFS, Acting Superintendent Asrow served as a Senior Policy Advisor for both the Bank of San Francisco and the Board of Governors within the Federal Reserve System. In that capacity, she led supervision and policy initiatives across the Federal Reserve System and coordinated innovation policy among the 12 district banks, the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC). Her work focused on emerging financial technologies, data governance and management, data privacy, and artificial intelligence. Prior to the Federal Reserve, she worked for the Center for Financial Services Innovation, now the Financial Health Network, the leading authority on consumer financial health.
A recognized leader in financial services innovation and policy, entity supervision, and research design, Acting Superintendent Asrow has published extensively on data policy, including an evaluation of data protection and data rights in the United States and a review of Open Banking. She holds a Bachelor of Arts from Stanford University and a Master of Public Policy from the University of Chicago.
Prior to her appointment, she served as Executive Deputy Superintendent of the Department’s Research & Innovation Division where she led the regulation of virtual currency entities, including BitLicenses and limited purpose trust companies. Under her leadership, DFS developed one of the world’s most sophisticated regulatory frameworks for digital assets and issued 11 pieces of groundbreaking regulatory guidance, helping to establish a global gold standard for virtual currency oversight.
Acting Superintendent Asrow also oversaw Department-wide initiatives on innovation policy, economic research, financial inclusion, and data governance. Since joining DFS in 2022, she has played a key role in advancing the Department’s operational modernization and transformation efforts.
Before her tenure at DFS, Acting Superintendent Asrow served as a Senior Policy Advisor for both the Bank of San Francisco and the Board of Governors within the Federal Reserve System. In that capacity, she led supervision and policy initiatives across the Federal Reserve System and coordinated innovation policy among the 12 district banks, the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC). Her work focused on emerging financial technologies, data governance and management, data privacy, and artificial intelligence. Prior to the Federal Reserve, she worked for the Center for Financial Services Innovation, now the Financial Health Network, the leading authority on consumer financial health.
A recognized leader in financial services innovation and policy, entity supervision, and research design, Acting Superintendent Asrow has published extensively on data policy, including an evaluation of data protection and data rights in the United States and a review of Open Banking. She holds a Bachelor of Arts from Stanford University and a Master of Public Policy from the University of Chicago.
