Cindra is the Head of US Banking & Markets at Baringa, specializing in digital assets, payments, treasury, and risk transformation. She advises banks, financial institutions, and payment providers on regulatory change, infrastructure modernization, and operating model design in an evolving financial landscape. With more than two decades of experience in financial services, Cindra brings expertise across balance sheet management, liquidity, financial risk, and governance. She works closely with executive teams to address the strategic and operational implications of payments innovation and digital asset adoption. Before joining Baringa in 2018, Cindra held senior roles at Morgan Stanley and EY, focusing on treasury, financial risk, and enterprise controls.