Elizabeth St-Onge

Elizabeth St-Onge

Managing Director, Head of Digital Assets Product & Strategy

TD Securities

Elizabeth is the Head of Digital Assets Product and Strategy at TD Securities, leading a newly established function focused on advancing TD's digital assets agenda across three core areas: client management and business development, thought leadership and strategy, and leadership of key enterprise initiatives and product development. Elizabeth brings deep knowledge of client needs and industry best practices, and will lead consortia participation, industry engagement, research, and partnerships in digital assets.
She first joined TD as Head of Product Management for Global Transaction Banking, driving strategy and product delivery across all client segments and geographies. With over 20 years of experience in corporate banking, transaction banking, and payments, Elizabeth has held leadership positions at Citibank, Oliver Wyman, Treasury Strategies, and Selkirk Financial Technologies. Her expertise spans the full business delivery lifecycle, including sales, product management, client service, operations, and technology. Elizabeth also serves on the Advisory Board for Women in Payments USA and is a frequent public speaker and published author on innovation, culture, and diversity in financial services.

Featured Sessions

Thursday, March 19, 2026
4:05 pm

While TradFi and crypto leaders seek regulatory “clarity,” that alone isn’t enough, particularly for financial institutions. As tokenization, on-chain settlement, and programmable finance move from pilots to production, the crucial factor for TradFi leaders will be their execution capability: operating models, talent authority, cultural readiness, and strategic clarity that allow them to establish durable, profitable positions in the native conditions of on-chain finance over the next three years.

The panel discussion will focus on what must change inside traditional financial firms to compete with native on-chain players and fast-moving incumbents, including:

  • What changes once regulatory “permission” is no longer the bottleneck?
  • Which firms are still hiding behind regulatory uncertainty as an excuse for inaction?
  • How much regulatory clarity is enough to move real capital on-chain?
  • Why quarterly roadmaps fail in 24/7, real-time markets.
  • What has to break (processes, controls, approvals) to ship on-chain products.
  • Can TradFi genuinely iterate in public — and should it?
  • Why crypto expertise without decision-making power doesn’t execute.
  • Where TradFi org charts quietly kill on-chain momentum.
  • What governance models actually work for on-chain business lines.
  • Why “digital asset divisions” often become organizational dead ends.
  • How treasury, risk, compliance, and ops must change for atomic settlement.
  • When permissioned chains help — and when they slow you down.
  • How on-chain transparency changes risk management and reputation.
  • Why do you exist on-chain? Issuer, liquidity provider, infrastructure, risk wrapper—pick one.
  • Why “tokenization strategy” is not a business model.
  • How native players are defining the rules faster than incumbents.
  • What will be considered a failed digital asset strategy in hindsight?