Jess Cheng is Counsel in the IMF’s Legal Department, specializing in financial sector law in the areas of fintech, crypto assets, payments, and central banking operations. She has contributed to the Fund’s policy discussions with member countries and Financial Sector Assessment Programs (FSAPs) on the subject of fintech. She has participated by invitation as subject matter expert in the work of the dedicated legal subgroup of the Committee on Payments and Market Infrastructures (CPMI) of the Bank for International Settlements (BIS) on issues related to digital innovations. She is a co-author of the IMF/World Bank’s jointly-launched Bali Fintech Agenda, a blueprint for member countries to successfully harness fintech’s opportunities. Prior to joining the Fund, Ms. Cheng was Deputy General Counsel at Ripple, the leading technology start-up in blockchain-based payment solutions and crypto assets, where she provided legal advice with a focus on cross-border payments, blockchain-based distributed financial technologies, and crypto assets. Prior to that, Ms. Cheng was Counsel and Officer in the legal group of the Federal Reserve Bank of New York, specializing in central bank financial services and payment systems and, before that, was an associate at the New York law firm Wachtell, Lipton, Rosen & Katz. She has authored a number of legal articles and participated in speaking engagements on the subject of payments law and emerging technology-driven market practices. An active member of the American Bar Association (ABA), she currently serves as Chair of the Payments Subcommittee of the ABA Business Law Section’s Uniform Commercial Code Committee. She holds a B.A. in economics from Yale University and a J.D. from Columbia School of Law.