Jess Cheng is Counsel in the IMF’s Legal Department (LEG), specializing in financial sector legislation in the areas of fintech, payments, and central banking operations. Prior to joining the Fund in March 2018, she was Deputy General Counsel at Ripple, a San Francisco-based startup. Prior to that, she was Counsel and Officer in the legal group of the Federal Reserve Bank of New York, with a focus on central bank financial services, and an associate at the New York law firm Wachtell, Lipton, Rosen & Katz. An active member of the American Bar Association, she currently serves as Chair of the Payments Subcommittee of the ABA Business Law Section’s Uniform Commercial Code Committee. She holds a B.A. in economics from Yale University and a J.D. from Columbia School of Law.