Bernadette Ksepka currently serves as vice president and deputy head of product management for the Federal Reserve System’s FedNow Service, a real-time clearing and settlement service under development by the Federal Reserve Banks to support instant payments in the United States. She leads FedNow product management activities which include understanding market needs for instant payments, supporting development of the service, establishing industry partnerships, and ensuring financial institution readiness to support adoption and innovation for the service. Ksepka’s tenure with the Federal Reserve System includes achievements during her time as assistant vice president and product management deputy head of the Fedwire Securities Service in the Wholesale Product Office. Ksepka holds a bachelor’s degree in Finance and Economics from Rutgers University and an M.B.A from Seton Hall University.