Board of Directors

Chris Larsen

Chris Larsen is Executive Chairman of Ripple’s board of directors and former CEO and co-founder of Ripple. Prior to Ripple, Chris cofounded and served as CEO of Prosper, a peer-to-peer lending marketplace, and E-LOAN, a publicly traded online lender. During his tenure at E-LOAN, he pioneered the open access to credit scores movement by making E-LOAN the first company to show consumers their FICO scores.

Susan Athey

Susan Athey is Professor of Economics at Stanford Graduate School of Business. She received her bachelor’s degree from Duke University and her Ph.D. from Stanford, and she holds an honorary doctorate from Duke University. She previously taught at the economics departments at MIT, Stanford and Harvard. In 2007, Professor Athey received the John Bates Clark Medal, awarded by the American Economic Association to “that American economist under the age of forty who is adjudged to have made the most significant contribution to economic thought and knowledge.” She was elected to the National Academy of Science in 2012 and to the American Academy of Arts and Sciences in 2008. Professor Athey’s current research focuses on the economics of the internet, internet search, online advertising and the news media, and virtual currencies. She advises governments and businesses on the design of auction-based marketplaces, notably since 2007 serving as a long-term consultant to Microsoft Corporation in a variety of roles, including chief economist.

Zoe Cruz

Zoe Cruz was Co-President of Morgan Stanley from 2005 to 2007 where she was responsible for running major revenue-generating businesses, including overseeing their securities risk management and information technology. From 2009 to 2012 she was involved in founding and running her own investment management firm, Voras Capital Management. Prior to becoming Co-President of Morgan Stanley, she had been its Global Head of Fixed Income, Commodities and Foreign Exchange from 2001 until 2005. She joined the company in 1982 and was the third founding member of the foreign exchange trading group. She was Senior Adviser at Promontory Financial Group, LLC and is currently founder and CEO of EOZ Global, a single family office. She is also a member of Old Mutual PLC’s Board of Directors and a member of the investment committee for the endowment fund of Bowdoin college.

Brad Garlinghouse

Brad is the CEO of Ripple and a member of the Board of Directors. Prior to Ripple, Brad served as the CEO of file collaboration service Hightail. Previously, he was President of Consumer Applications at AOL from 2009 to 2012 and held various positions at Yahoo! from 2003 to 2009, including Senior Vice President. Brad formerly served as CEO of Dialpad Communications, held management positions at SBC Communications and @Home Network and was an advisor to Silverlake Partners. He currently serves on the Board of Directors of Animoto and OutMatch and has held board positions at and Tonic Health.

Ken Kurson

Ken Kurson is Editor in Chief at Observer Media. He wrote Esquire’s “Green” column for 17 years, focusing on personal finance, financial investment and financial technology. He also founded Green Magazine and published a book entitled The Green Magazine Guide to Personal Finance (Doubleday, 1997). Ken used these platforms to take complex financial concepts and explain them in a way that is less intimidating to the average reader. Previously, he was a financial analyst for CNNFN, an editor at large for Money and the Executive Vice President at Jamestown Associates.

Ben Lawsky

Ben has over 20 years’ experience in law and financial services regulation at both the federal and state levels, including being the former superintendent of financial services for the state of New York, chief of staff for Governor Andrew Cuomo, and co-chair of Governor Cuomo’s Cyber Security Advisory Board. He also created BitLicense — an industry-leading regulation for digital-asset businesses operating in New York state. Lawsky will be instrumental to helping us increase institutional adoption of XRP.

Anja Manuel

Since 2009, Ms. Manuel has served as a founding partner at RiceHadleyGates, LLC, with Condoleezza Rice, Stephen Hadley, and Robert Gates. The firm works with senior executives of major companies to evaluate strategic and political risk, and expand in emerging markets. She served as Special Assistant to the Under-Secretary for Political Affairs at the U.S. Department of State from 2005 – 2007. Ms. Manuel was an attorney at Wilmer-Hale specializing in international and Supreme Court litigation, and governance issues such as anti- corruption matters and Congressional investigations from 2001-2005, and also from 2007 to 2009. Early in her career she was an investment banker at Salomon Brothers. She currently serves on the Board of Directors and the Risk and Governance Committee for Ripple, Inc. and on the Board of Advisors for Flexport, Inc. and Synapse, Inc., as well as several non-profit boards. Simon & Schuster recently published her book on India and China. She graduated cum laude from Harvard Law School and holds BA and MA degrees with distinction from Stanford University. Her extensive experience in government relations and governance makes her a valuable asset to the Board.

Takashi Okita

Takashi Okita is the CEO of SBI Ripple Asia, the joint venture between Ripple and SBI Holdings.

Prior to SBI Ripple Asia, he co-founded and served as CEO of VeriTrans, a leading online payment solution provider in Japan. In 2012, Okita-san co-founded econtext Asia and worked to expand the e-commerce payment business from Hong Kong across Asia, implementing joint ventures in China, India, Indonesia and Vietnam.

Elected as one of the “100 People to Change Japan” by Nikkei Business, Okita-san has been recognized as one of the youngest CEOs with companies listed on both the JASDAQ and the Hong Kong Stock Exchange. He also founded and served as chairman of the E-commerce Asia Association and Japan’s E-commerce Payment Forum. Additionally, Okita-san served as a council member for the Financial Agency of Japan.

Gene Sperling

Gene Sperling served as National Economic Council Director and National Economic Advisor under President Clinton from 1997 to 2001 and then under President Obama from 2011 to 2014. Prior, he was senior counselor to Treasury Secretary Geithner, advising on financial crisis and auto rescue issues as well as being lead advisor on fiscal and jobs issues. In 2008, he was a chief economic advisor to Hillary Clinton during her Presidential campaign.

He is currently President of Sperling Economic Strategies, which advises financial companies, start-ups, Fortune 500 companies and philanthropies, including PIMCO. Sperling was named one of the 100 Most Powerful People in Global Finance by Worth Magazine and as one of the 50 Most Powerful People in Washington by GQ. Sperling graduated from the University of Minnesota and Yale Law School, and attended Wharton Business School.