Caroline Bagby

Caroline Bagby is Vice President of Product Digital Assets Zelle at Early Warning®, a position she assumed in February 2026. In this role she works on taking Zelle cross-border, extending the payments network beyond its domestic base.

Prior to joining Early Warning®, Bagby held two roles at Visa focused on Visa Direct: Senior Director, Head of Innovation from August 2024, and Senior Director, Innovation and Developer Experience from April 2025, departing in January 2026. Before Visa, she spent approximately two years at Zero Hash, a crypto and stablecoin infrastructure provider, where she progressed from Principal Product Manager covering compliance and data to Director of Product Management with additional scope over fiat payments. Earlier, she was at Rally, serving first as Senior Product Manager for Payments and then as Product Lead for Infrastructure, covering a combined period from May 2021 to August 2022. Her LinkedIn profile describes her focus as digital assets and global money movement, and her total experience is listed as approximately fourteen years.