EVP, Chief Digital Banking Officer
Hanmi Bank
Fred Lie is Executive Vice President and Chief Digital Banking Officer at Hanmi Bank, where he leads the bank’s digital strategy, deposit growth initiatives, and customer experience transformation. With more than 20 years of experience across banking, digital product development, and brand strategy, he brings a track record of driving innovation and measurable business results.
In his current role, Fred oversees deposit products, online and mobile banking, treasury management, onboarding, and merchant services. He takes a holistic approach to digital banking, aligning product strategy, user experience, and data-driven marketing to deliver seamless, secure, and intuitive client journeys while accelerating deposit growth.
Prior to his current role, Fred served as Senior Vice President and Head of Deposits & Digital Banking at Hanmi Bank, where he played a key role in modernizing the bank’s digital capabilities and expanding its deposit platform.
Before joining Hanmi, Fred was Director of Digital Products at CIT Bank, where he led digital transformation initiatives and managed a team of product managers. He architected a major overhaul of the online account opening experience and implemented advanced analytics and marketing technologies to optimize customer acquisition and engagement, while overseeing UX/UI design across consumer banking channels.
Fred holds a bachelor’s degree in mechanical engineering and an MBA from the University of Southern California.
The critical role of leadership in dismantling the traditional silos between product innovation and risk compliance to transform potential friction into a competitive advantage has never been more important. By shifting the organizational narrative from “compliance as a gatekeeper” to “risk as a design parameter,” forward-thinking leaders can foster a culture where regulatory requirements are integrated into the earliest stages of the digital product lifecycle rather than treated as a post-development bottleneck. Experts will discuss actionable strategies for aligning cross-functional incentives, implementing unified workflow models to increase transparency, and cultivating a shared language of “sustainable speed” that empowers teams to innovate aggressively without compromising safety or trust.