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Ryan Christiansen | Source | Executive Director, Stena Fintech Center at University of Utah

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Ryan Christiansen

Executive Director, Stena Fintech Center at University of Utah
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Ryan is the executive director of the University of Utah Stena Center for Financial Technology. In this role, Ryan directs and coordinates the labs, incubator, academic focus of the Center. Ryan previously served as senior vice president of data access partnerships at Mastercard. In this role, Ryan led the acquisition and management of consumer permissioned financial data. As an impassioned advocate for fintech, Ryan also represented Mastercard in industry efforts, which included an instrumental role in the foundation of the financial data exchange (FDX). Prior experience also includes serving as senior vice president of private banking at Zions Bank where he managed one of banks the largest credit portfolios.

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  • AI in Finance: Navigating Regulations and Risks
    Ryan notes that while specific AI regulations are pending, Fair Lending and Anti-Discrimination Laws guide machine learning in finance. He emphasizes the importance of model validation. "Currently, I have not seen evidence of complacency due to over-reliance on AI," Ryan says, highlighting the potential of AI agents in transforming customer engagement.
  • AI in Finance: Robo-Advisors vs. Human Advisors
    Ryan highlights AI's efficiency in matching investor preferences with portfolio recommendations, offering timely and cost-effective advice. "Some firms are currently using AI as a tool that works alongside human advisors," he notes. While AI offers convenience, many investors still value human interaction for trust and connection, suggesting a blend of AI tools with human advisors for optimal guidance.
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  • “New and existing regulations are emerging in ways that will require fintechs to have more bank-like controls in place. Successful fintechs should increase their level of financial regulatory understanding; invest in compliance tools and personnel; be prepared to accept additional financial liability; insure against financial risks; and build partnerships with banks that are fully compliant with the emerging regulations.”

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