Patty McKernan is the Chief Product Officer of Reserve Trust. Patty has more than 25 years of experience in the financial services industry, building products and solving problems for consumer and commercial clients. She has authored two patents for money transfer methods and has launched new products in the global prepaid and payments space. She leverages her passion for understanding customer needs and her knowledge of complex technology to provide innovative solutions to delight our customers. Patty has led product development initiatives at American Express, Western Union and PayPal.