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Emma Hagan
Chief Executive Officer
ClearBank UK
View LinkedIn profileEmma Hagan is the Chief Executive of ClearBank UK, responsible for overseeing all aspects of ClearBank’s operations in the UK and further strengthening the bank’s position in the UK market.
Emma has over 20 years of experience in commercial and corporate banking in both first and second lines of defence.
Emma joined ClearBank in 2020 as Chief Risk and Compliance Officer. Prior to that, Emma worked for Silicon Valley Bank (SVB), where she was Chief Risk Officer for EMEA, serving as part of the EMEA leadership and global risk leadership teams.
Speaking at SFF 2026
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4:15–4:45pmThu 19 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
Balance Sheet Strategy in Money 3.0
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Emma HaganChief Executive OfficerClearBank UK
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George DavisFounder & Chief Executive OfficerLorum
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Nischint SanghaviHead of Digital Currencies, APVisa
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Kirit BhatiaChief Digital Assets OfficerBanking Circle
About this session
For CFOs and treasurers, programmable money is not a thesis, it's an allocation decision. Where does settlement risk really sit when value moves in real time, and who carries the exposure? How does tokenisation rewrite collateral management and intraday liquidity? What does the yield/risk trade-off look like across deposits and other forms of money, and what happens to deposit insurance and the lender of last resort when money is code? The question boards are starting to ask: whose balance sheet does each instrument sit on, yours, your bank's, or nobody's? And are balance sheet light banking models the safer answer? A working session for the people who answer with real money.
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