The 10 people transforming money including leaders from Goldman Sachs, Esusu, and Mos

Wemimo Abbey is cofounder of Esusu, which is expanding how Americans build credit by getting rental payments factored into credit scores.

"We started Esusu on three core premises: No matter where you come from, the color of your skin and your financial identity shouldn't determine where you end up in the wealthiest country in the world — and dare I say, anywhere in the world," Abbey told Insider.

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Tal Lee Anderman runs a unique leadership program at Alpine, an $8 billion San Francisco-based investment firm. The program, called PeopleFirst, centers on working hand-in-hand with portfolio-company management teams and their employees on how to be their best selves, thrive at work, and make Alpine's portfolio companies lots of money.

The firm has also focused on hiring leaders from underrepresented backgrounds into its portfolio companies. "We want those leaders to come in with a diverse set of perspectives, experiences, and backgrounds," said Andermanin an interview with Insider.

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As the recently promoted sole executive in charge of Goldman Sachs' tech division and its armada of 12,000 engineers, Marco Argenti assumes control of one of the most important tech teams in the business.

His organization, an often unseen engine of the bank, provides technology and tools for front-office bankers to rake in billions in revenue and touches everything from trading to investment-banking analytics and untangling swaths of data to sell.

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As the chief information officer of JPMorgan Chase, Lori Beer manages some 55,000 tech workers and a budget that has grown from under $12 billion just three years ago to more than $14 billion today.

As the nation's largest bank by assets, JPMorgan counts roughly 62 million digitally active customers. Beer is ultimately responsible for crafting a tech agenda that serves as a bellwether for the broader retail-banking industry.

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As the CEO of crypto fintech Paxos, Charles Cascarilla has seen the inefficiencies of legacy-financial technology firsthand, having worked at big banks and asset managers. He's betting on crypto being the biggest change to the financial world since electronic and systematic trading.

"How can you make all assets move at the speed of crypto? That's really the goal of Paxos," Cascarilla told Insider.

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Investors big and small can't discuss changes in financial services these days without acknowledging the ambitious Gary Gensler, the head of the industry's top regulatory body, whose new rules and proposals could reshape major aspects of modern-day Wall Street.

As investors have poured cash into what firms market as sustainable investments in recent years, he has proposed for the first time that public companies issue robust disclosures around climate-related risks. He is pounding the table on his view that cryptocurrencies must face tighter regulation, a stance that investors will hold him to after the collapse of crypto exchange FTX.

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In 2021, Miles Jennings joined Andreessen Horowitz's $7.6 billion crypto-investment team as its general counsel. And if he'd gone to work at one of many other fund managers, the job might start and stop at papering deals and limiting legal risk for the firm.

For Jennings, though, the job has meant advising an entire industry. With regulatory guideposts for crypto projects few and far between, he's been pushing out legal how-to's in an effort to help crypto companies — even those outside of a16z's portfolio — stay on regulators' good sides and avoid misunderstandings.

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Legalized sports betting is in its infancy in the US, but already a challenger has emerged to upend the status quo: Sporttrade, the Philadelphia-based brainchild of 28-year-old Alex Kane. On Sporttrade's app, users can trade wagers like stocks, allowing bettors to cash out or buy in at any moment during a game with a fraction of the fees traditional sportsbooks charge.

"The idea is: Can you make 1% 10 times as opposed to 7% one time?" Kane said. "It's not to make the most amount of margin from every single customer every single time."

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Since the advent of ethereum's network launch in 2015, Christine Moy has been pushing for the largest financial institutions on Wall Street to adopt blockchain tech. She has led digital-asset strategies for both JPMorgan Chase and the private-equity giant Apollo Global Management.

"My role is to walk in two worlds," Moy told Insider. "I take everything that I learn and bring it back to the executive boardrooms of Wall Street to help traditional finance navigate what the future of finance looks like in a Web3 tech-enabled world."

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Amira Yahyaoui is founder and CEO of Mos, a $400 million startup helps students across the US find funding to attend university and college, at a time when federal student-loan debt has hit $1.6 trillion and continues to impact 45 million borrowers.

Yahyaoui was inspired by her own challenges as an asylum seeker in Europe, she struggled to access simple things like bank accounts. "People like me are not supposed to end up where I am today," Yahyaoui said. This is why she started Mos, a fintech that "is basically hacking up the system for people who won't have access to this privilege."

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