Julie is an experienced strategic executive who has built teams, process, risk management, culture and technology to deliver new products and support massive growth for some of the country's largest financial institutions. Julie is a specialist in payments and money movement. Julie’s experience includes ten years as a Sr. Tech executive at Capital One, where she was the Commercial Bank Chief Information Officer (CIO) leading a team of 750+ technologists to build, integrate, and modernize over 100 systems that enabled the Commercial Banking business. Julie held additional executive Tech roles at Capital One, including leading the Enterprise Mainframe-to-Cloud Migration and an extensive Card Tech Cyber Program. Previously, Julie was the CIO for Commercial Banking at Fifth Third Bank, where she also started her career as a software engineer. Julie's career includes leading emerging technology development for the Retail Bank at US Bank and as a technology consultant to a major appliance manufacturer. Julie is a Sr. Advisor to non-profit Opportunity@Work, an advisory board member for two early-stage companies, and a member of Miami University’s College of Arts and Science Advisory Board.

“I have had the opportunity more than once in my career to build tech teams from small numbers through rapid growth and transformation. I love the opportunity to build positive, inclusive cultures and to develop people. As a multi-decade woman in tech, I am proud to have become an advocate for the representation, inclusion, and advancement of women and other underrepresented people in the tech industry.”

Julie resides in both Cincinnati, Ohio and the panhandle of Florida. She enjoys cycling, beach walks, traveling, and family.

Julie Elberfeld