Sunayna Tuteja

Sunayna Tuteja is a financial technology and innovation executive with a background spanning traditional finance, digital assets, emerging technologies, and financial policy. She most recently served as Chief Innovation Officer of the Federal Reserve System and previously held digital strategy, transformation, and digital-asset leadership roles at TD and TD Ameritrade. ^[4]

Career

Tuteja began her career at TD in Strategic Planning & Business Transformation from 2009 to 2011, working on assignments across Canada, the United Kingdom, Asia, and the United States. She subsequently worked in Digital Transformation at TD from 2011 to 2014, focusing on initiatives to modernize the bank's operations and customer experience. From June 2014 to June 2017, Tuteja served as Head of Digital Strategy, Experience & Innovation at TD Ameritrade in New York. She later became Head of Strategic Partnerships & Emerging Technologies from January 2018 to June 2019, working across the United States and Asia on partnerships and emerging technologies. From 2019 to 2021, she served as Managing Director and Head of Digital Assets & DLT, leading the company's blockchain and cryptoasset initiatives. From 2021 to 2026, Tuteja served as the Federal Reserve System's first Chief Innovation Officer. In that role, she led the institution's innovation agenda across the Federal Reserve Banks and Board of Governors, working on emerging technologies and their implications for financial systems and policy, including artificial intelligence, digital assets, tokenization, quantum computing, and payments. ^{[2] [3]}

Interviews

Innovation & Central Banking

At the Injective Summit in July 2026, Tuteja joined Eleanor Terrett of Crypto in America for a fireside chat about innovation across central banking, crypto, AI, and payments. Tuteja discussed her unexpected transition from the private sector into the Federal Reserve and the challenges of introducing emerging technologies within a public institution, contrasting the Fed’s response to crypto with its earlier adoption of AI. She also examined payment system modernization, including faster payments and stablecoins, arguing for market-driven innovation while maintaining financial stability and appropriate regulatory safeguards. The conversation concluded with her views on agentic payments and AI-driven commerce, as well as her current work in AI policy consulting. ^[1]