LinkedIn, "Jacqueline Reses - Lead Bank"
Summary
A LinkedIn public profile page for Jacqueline Reses of the San Francisco Bay Area, listing Lead Bank and the Wharton School, University of Pennsylvania, with 10K followers and 500+ connections. It lists publications including Self Made Boss (McGraw Hill, March 22, 2022) and patents such as Predicting Capital Needs (US 11853921), Cryptographic Asset Collateral (11538105) and Intelligent use of surplus account funds (US 11042932). A project note recalls years spent at Square getting to know small business owners. Activity includes a post naming Lead Bank CEO Jacqueline Reses at the White House as the GENIUS Act passed.
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- Captured
- 2026-09-25
- Source site
- web.archive.org
Archived web capture. Preserved source — captured from web.archive.org; archived 2026-09-25.
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Sign in to view Jacqueline’s full profile Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or New to LinkedIn? Join now By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . Sign in to view Jacqueline’s full profile Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or New to LinkedIn? Join now By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . San Francisco Bay Area Sign in to view Jacqueline’s full profile Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or New to LinkedIn? Join now By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . 10K followers 500+ connections View mutual connections with Jacqueline Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or New to LinkedIn? Join now By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . Join to view profile Sign in to view Jacqueline’s full profile Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or New to LinkedIn? Join now By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . Lead Bank Wharton School, University of Pennsylvania Websites Activity Sign in to view Jacqueline’s full profile Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or New to LinkedIn? Join now By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . - I find I now *expect* a half pane chat & agentic experience in every application - and get frustrated when it's not there. Static UI is dead! A… I find I now *expect* a half pane chat & agentic experience in every application - and get frustrated when it's not there. Static UI is dead! A… Liked by Jacqueline Reses - This morning, the FIFA World Cup 2026™ NYNJ Host Committee rang the Opening Bell at the NYSE to celebrate One Year to Go Until the Final Match right… This morning, the FIFA World Cup 2026™ NYNJ Host Committee rang the Opening Bell at the NYSE to celebrate One Year to Go Until the Final Match right… Liked by Jacqueline Reses - YAY! So excited to partner with Branch YAY! So excited to partner with Branch Shared by Jacqueline Reses Join now to see all activity Experience & Education - Lead Bank ***** ********* ******* - ******* ******* **** ** ****** **** ********* ********** ************ ******** ********* - ******* ******* **** ** *** ********* ********, ******** *********** ******* - ******* ******, ********** ** ************ *** - *** ****** ****** - 1984 - 1988 View Jacqueline’s full experience See their title, tenure and more. Welcome back By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now or By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . Publications - Self Made Boss McGraw Hill March 22, 2022 Self help guide for small businesses to help start, run and grow. Other authors See publication - Fintech Revolution August 2, 2021 Trends in Fintech Other authors See publication - Small Business Lending: Keys to Managing Credit Tremors Medium April 12, 2016 Guidance on managing a tricky credit market See publication Patents - Predicting Capital Needs Issued February 16, 2023 US 11853921 This disclosure describes, in part, techniques for automating transfers of funds from a deposit account of a user to a savings account of the user based on historical transaction data associated with the deposit account. Using historical deposits and withdrawals from the deposit account, a prediction may be made regarding deposits to, and withdrawals from, the deposit account that will occur in a future period. Based on that that information and a balance to maintain in the deposit account for… This disclosure describes, in part, techniques for automating transfers of funds from a deposit account of a user to a savings account of the user based on historical transaction data associated with the deposit account. Using historical deposits and withdrawals from the deposit account, a prediction may be made regarding deposits to, and withdrawals from, the deposit account that will occur in a future period. Based on that that information and a balance to maintain in the deposit account for the duration of the future period, the amount of funds to transfer from the deposit account to the savings account may be determined. The techniques may further include transferring the funds to the savings account once determined. - Cryptographic Asset Collateral Issued December 27, 2022 11538105 Provided is a process, including for lending, with a smart contract executable by a decentralized computing platform, money to a borrower. The process includes securing, with the smart contract, the loan by obtaining control of cryptocurrency of the borrower and monitoring, via the smart contract, whether the cryptocurrency satisfies a loan-to-value threshold. In response to the monitoring, an amount of cryptocurrency secured with the loan can be adjusted. - Cryptographic Asset Collateral Management Issued February 24, 2022 20220058732 Challenges arise when attempting to borrow against virtual cryptographic assets using many forms of distributed ledger technology. (Much of the discussion that follows is with reference to cryptocurrency, but it should be appreciated that similar approaches are contemplated for other types of virtual cryptographic assets, like utility tokens, nonfungible cryptographic assets (e.g., ERC-721 tokens), and the like.) One challenge is volatility of the price of cryptocurrency. Many types of… Challenges arise when attempting to borrow against virtual cryptographic assets using many forms of distributed ledger technology. (Much of the discussion that follows is with reference to cryptocurrency, but it should be appreciated that similar approaches are contemplated for other types of virtual cryptographic assets, like utility tokens, nonfungible cryptographic assets (e.g., ERC-721 tokens), and the like.) One challenge is volatility of the price of cryptocurrency. Many types of cryptocurrency fluctuate in value relative to other assets, like government-issued currency, such as the US dollar, or stable coin cryptocurrencies pegged to the value of one or more forms of government-issued currency. Often, these fluctuations are relatively large compared to what is experienced in more typical lending practices. A concern is that a downward fluctuation could leave cryptocurrency collateral worth substantially less than the obligation being secured, reducing (or even eliminating) the lender's protection from default. As a result, many lenders have been unwilling to lend against cryptocurrency (e.g., with the cryptocurrency securing the obligation to repay) because existing forms of distributed ledger technology often do not provide sufficient tools and functionality to manage that volatility over the life of the loan. Further, many forms of distributed ledger technology impose more latency on, and offer less bandwidth to process, transactions than would be preferable, particularly if such systems were ever tasked with processing a material portion of (e.g., more than 2% of) more established forms of off-chain transactions, like credit card transactions. For instance, it has been estimated that the Bitcoin network can process around 7 transactions per second, while credit card transactions are estimated to occur at closer to a rate of 5,000 per second. - Intelligent item Financing Issued September 11, 2021 11170438 This disclosure describes, in part, techniques for enabling a merchant or other user to obtain needed capital by financing the cost of individual items after the merchant or other user has acquired the item(s) using a financial instrument, such as a credit card, debit card, or the like. For example, an example merchant may purchase, through the course of a month or other time period, multiple items for operation of their business using a credit card provided by a financial institution… This disclosure describes, in part, techniques for enabling a merchant or other user to obtain needed capital by financing the cost of individual items after the merchant or other user has acquired the item(s) using a financial instrument, such as a credit card, debit card, or the like. For example, an example merchant may purchase, through the course of a month or other time period, multiple items for operation of their business using a credit card provided by a financial institution. Thereafter, a service provider may aggregate these purchases and enable the merchant to request to finance individual item(s). In response to receiving such a request, the service provider can solicit offers from an array of lenders. - Intelligent use of surplus account funds Issued June 10, 2021 US 11042932 This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may… This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user. - System and Method for Generating Dynamic Repayment Terms Filed January 16, 2020 20210133894 In one embodiment, a method includes receiving, by a payment service system, a payment request to charge a payment card for a transaction. The payment card is associated with a user account maintained by the payment service system and the user account is configured to apply a different interest rate to each of multiple transactions. The method includes in response to receiving the payment request, identifying, by the payment service system, purchase characteristics of the transaction. The… In one embodiment, a method includes receiving, by a payment service system, a payment request to charge a payment card for a transaction. The payment card is associated with a user account maintained by the payment service system and the user account is configured to apply a different interest rate to each of multiple transactions. The method includes in response to receiving the payment request, identifying, by the payment service system, purchase characteristics of the transaction. The method includes determining, by the payment service system, an interest rate to be associated with the payment request based on the identified purchase characteristics and historical repayment data stored in a data store of the payment service system. The method includes upon receiving a payment confirmation from the user, updating, by the payment service system, the user account to include the transaction at the determined interest rate. Projects - Self Made Boss Jan 2022 Throughout the years I spent at Square, I spent much of my time on the road getting to know small business owners. While I did do a fair amount of number crunching and data analysis, much of the job was deeply understanding each business owner’s needs and listening to their stories. I was part advisor, part solutions creator, part psychiatrist. Nearly everyone I spoke with had something insightful to share about building, growing, and running a company. I often thought: these insights… Throughout the years I spent at Square, I spent much of my time on the road getting to know small business owners. While I did do a fair amount of number crunching and data analysis, much of the job was deeply understanding each business owner’s needs and listening to their stories. I was part advisor, part solutions creator, part psychiatrist. Nearly everyone I spoke with had something insightful to share about building, growing, and running a company. I often thought: these insights should be shared with the world. Alongside my co-author @Lauren Weinberg, I’m happy to share that Self-Made Boss, a collective guidebook of tips and tricks from successful entrepreneurs themselves, comes to bookshelves this spring. Stay tuned for updates or pre-order your copy at www.selfmadeboss.com #entrepreneur #smallbusiness #entrepreneurship #founder #selfmadeboss Other creators See project More activity by Jacqueline - So excited to be a partner to Branch! So excited to be a partner to Branch! Shared by Jacqueline Reses - Excited to announce our partnership with Branch! As Branch’s newest sponsor bank and card issuing partner, Lead will help power fast, flexible… Excited to announce our partnership with Branch! As Branch’s newest sponsor bank and card issuing partner, Lead will help power fast, flexible… Liked by Jacqueline Reses - Our CEO Jacqueline Reses celebrated at the White House alongside Rep. French Hill, a key author of the #GeniusAct, as the legislation passed—a major… Our CEO Jacqueline Reses celebrated at the White House alongside Rep. French Hill, a key author of the #GeniusAct, as the legislation passed—a major… Liked by Jacqueline Reses - The GENIUS Act is now law. The United States finally has stablecoin legislation—an important milestone that will accelerate digital asset adoption… The GENIUS Act is now law. The United States finally has stablecoin legislation—an important milestone that will accelerate digital asset adoption… Liked by Jacqueline Reses - @decart generates pure magic. Yesterday they released Mirage. Do yourself a favor , go to Decart.ai, and see for yourself what the excitement is about @decart generates pure magic. Yesterday they released Mirage. Do yourself a favor , go to Decart.ai, and see for yourself what the excitement is about Liked by Jacqueline Reses - Celebrating the #geniusact passage today at the White House with French Hill. Lead Celebrating the #geniusact passage today at the White House with French Hill. Lead Shared by Jacqueline Reses - Rick Marini '94 knows a good investment when he sees one. As a successful entrepreneur who founded multiple startups, took Grindr public with a $2… Rick Marini '94 knows a good investment when he sees one. As a successful entrepreneur who founded multiple startups, took Grindr public with a $2… Liked by Jacqueline Reses - Verified Capital just raised $175 million with Kris Fredrickson at the helm to invest across AI and frontier tech. Kris is betting the landscape of… Verified Capital just raised $175 million with Kris Fredrickson at the helm to invest across AI and frontier tech. Kris is betting the landscape of… Liked by Jacqueline Reses - BlueFive Capital, a rapidly growing investment platform founded in the #GCC with a global mandate, has announced the successful closing of its… BlueFive Capital, a rapidly growing investment platform founded in the #GCC with a global mandate, has announced the successful closing of its… Liked by Jacqueline Reses - Congratulations to Bill Briggs on his confirmation to serve as Deputy U.S. Small Business Administration Administrator! We are excited to work… Congratulations to Bill Briggs on his confirmation to serve as Deputy U.S. Small Business Administration Administrator! We are excited to work… Liked by Jacqueline Reses - I’m launching Verified Capital to back transformative technology companies at any stage of their journey. I’ve raised a $175 million debut fund… I’m launching Verified Capital to back transformative technology companies at any stage of their journey. I’ve raised a $175 million debut fund… Liked by Jacqueline Reses - 🚀 Calling all developers heading to WeAreDevelopers World Congress next week in Berlin, July 9–11! We’re excited to be part of one of the world’s… 🚀 Calling all developers heading to WeAreDevelopers World Congress next week in Berlin, July 9–11! We’re excited to be part of one of the world’s… Liked by Jacqueline Reses - Sharing an update on Figma: we publicly filed our S-1 with the SEC today, and have applied to list on the New York Stock Exchange under the symbol… Sharing an update on Figma: we publicly filed our S-1 with the SEC today, and have applied to list on the New York Stock Exchange under the symbol… Liked by Jacqueline Reses View Jacqueline’s full profile - See who you know in common - Get introduced - Contact Jacqueline directly Join to view full profile Sign in Stay updated on your professional world Sign in By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement , Privacy Policy , and Cookie Policy . New to LinkedIn? Join now Other similar profiles Explore top content on LinkedIn Find curated posts and insights for relevant topics all in one place. 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