Inwha User

I’m a global banking executive with over 25 years of experience across the global banking and tech sector. I’ve developed and delivered strategic business growth, restructuring, transformation, and product initiatives spanning structured credit, emerging markets, global trade finance, working capital, lending, capital markets, and fintech partnerships.

My career has been rooted in leadership—starting at JPMorgan Chase in NY and London—building businesses and creating solutions in corporate and investment banking. I’ve led innovation and developed AI products designed to transform ways of working, while also driving F2B transformation and delivering measurable outcomes across complex, cross-functional environments.

In recent roles, I’ve served as Managing Director and Head of Innovation & AI at Wells Fargo, and held leadership positions including MD F2B Transformation at Deutsche Bank and Partner, Banking & Financial Markets at IBM. I’ve also led global trade and receivables finance and structured trade solutions at HSBC, and worked in capital markets, working capital solutions, and syndications/secondary trading—grounding my approach in execution, collaboration, and sustained impact.