Christy Bartlett

Joseph Borne is Vice President and Principal Experience Architect for Freight and Transportation at U.S. Bank, a position he has held since January 2025. Based in Cincinnati, Ohio, he leads research, strategic planning, and user experience initiatives across core service applications within U.S. Bank's freight and transportation division, with a focus on optimizing employee-facing systems and enterprise workflows.

Alongside this role, Borne serves as Creator and Product Developer of U.S. Bank Mobile Cryptocurrency, an initiative he has led since April 2023 following his selection for U.S. Bank's Innovator in Residence program. In that capacity, he conducted market research, competitive analysis, and business development to establish the foundation for integrating digital currencies into U.S. Bank's retail banking offerings. The U.S. Bank web and mobile applications are scheduled to launch cryptocurrency functionality in 2026, giving retail customers visibility into digital assets alongside traditional banking services. Borne has approximately 34 years of professional experience, with a background spanning user experience, user interface design, and operational innovation. He is also active in the FinTech sector as a strategist and entrepreneur focused on healthy consumer technology.

Penny Tyson is Vice President, Enterprise Innovation – Digital Asset & Blockchain Practice at U.S. Bank, a position she has held since December 2022, based in Minneapolis, Minnesota. Her role sits within the bank's Enterprise Innovation function and is focused on digital assets and blockchain.

Tyson has been at U.S. Bank since April 2020, progressing through roles in innovation. She served as Senior Product Manager in Innovation from April 2020 to August 2021, then as Assistant Vice President, Innovation Product Development from July 2021 to January 2023, before moving into her current Vice President position. Prior to U.S. Bank, she spent over nine years at Starkey Hearing in Eden Prairie as a Product Manager, from January 2011 to April 2020. She holds a degree from Columbia University in the City of New York, where she studied from 1984 to 1988.

Sara C. is a Risk Manager at U.S. Bank, a position she has held since November 2022. She holds the CRISC (Certified in Risk and Information Systems Control) certification. Prior to her current role, she served at U.S. Bank as a Business System Analyst from June 2016 to October 2022, working as a Compliance and Audit Analyst within the Enterprise ATM Services group.

Before joining U.S. Bank, Sara worked at Bonneville Power Administration as a Business Analyst II on a contract basis from January 2013 to June 2016, based in Vancouver, Washington. In that role, she served as Lead Business Analyst for the Asset Intake Project, facilitating requirements gathering and process flow development with stakeholder groups, delivering requirements to IT developers, and performing system testing. She has over 19 years of experience in business management, working across functions supporting engineers, managers, and other technical professionals. Throughout her career she has focused on analyzing and improving business processes, procedures, and documentation, and on applying technology to eliminate manual steps and reduce duplicate data entry.