Caroline D. Pham

Caroline D. Pham is Chief Legal Officer and Chief Administrative Officer at MoonPay. In her role, she oversees MoonPay’s global legal, compliance, risk, regulatory affairs, policy, governance, and enterprise administrative functions, helping strengthen the company’s operating foundation as it scales and expands into new markets and products.

An internationally recognized leader across regulation, capital markets, and digital assets, Caroline brings 25 years of experience in law, finance, and technology, including over a decade focused on crypto and blockchain. She is widely known for driving transformation in complex, high-stakes environments and for her expertise navigating evolving regulatory landscapes to support responsible innovation.

Prior to joining MoonPay, Caroline served as acting Chairman of the U.S. Commodity Futures Trading Commission (CFTC), where she led an agency of more than 650 employees and oversaw a $365 million budget. She sponsored the CFTC’s Global Markets Advisory Committee, and was a member of the Financial Stability Oversight Council, President’s Working Group on Financial Markets, and President’s Working Group on Digital Asset Markets.

As acting Chairman, Caroline advanced market structure including perpetual contracts, 24/7 trading, and prediction markets. Caroline launched the CFTC’s Crypto Sprint to implement the President’s Working Group on Digital Asset Markets report recommendations, achieving historic milestones such as the first-ever spot crypto trading on U.S. federally regulated exchanges, digital asset pilot program, tokenized collateral and stablecoins guidance, and the CFTC Crypto CEO Forum and CEO Innovation Council.

Before the CFTC, Caroline was a Managing Director at Citigroup, where she held senior global leadership roles across Legal, Compliance, Citi Chief Administrative Office, and the Institutional Clients Group. She advised the Citigroup CEO, Board, and clients on strategy, risk, and innovation, served on firm-wide governance committees, and supported major shareholder and earnings communications and corporate disclosures. She also led implementation of enterprise-wide programs and helped shape Citi’s market structure and digital asset strategy, including partnerships, venture capital and strategic equity investments, and product development.

Caroline was named to CoinDesk’s Most Influential list in both 2023 and 2025. In 2025, she also received the 100 Impact Leaders Legacy Award from the Financial Club and UK US Crypto Alliance. Caroline has guest lectured on digital assets and blockchain at Stanford University and Columbia Business School. She earned a B.A. from UCLA and a certificate from UCLA Anderson School of Management, and received her J.D. from The George Washington University Law School, where she served on the Dean’s Advisory Council for the Business and Finance Law Program. She is a member of the Bretton Woods Committee, Life Fellow of the American Bar Foundation, and has held many leadership roles in the American Bar Association and other industry organizations.