Matt Charpentier | Head of Identity
JPMorgan Chase

As Head of Identity for JP Morgan Chase, Matt Charpentier leads the team in charge of designing, developing and delivering identity solutions that secure the bank and its customers. Matt and his team make sure that all good interactions go through, all fraud attacks are stopped, while ensuring the optimal customer experience. Matt’s team also helps solving one of the internet’s biggest needs: creating trusted interactions online. He joined JPMC in 2025. Before joining JPMC, Matt spent 8 years at Visa, most recently as Global Head of Authentication, Identity and Tap. Matt also spent 8 years at Capital One where he held various roles in the Bank and Card divisions. Matt holds a Master of Science (MS) in Civil Engineering from HEI in France, as well as an MBA from Columbia Business School. Matt lives in NYC with his wife and two kids.

Appearances:

Identity Week America - Day 1 @ 09:25

Keynote: Identity at the front line: Trust, fraud, and the new rules of defense

In a rapidly evolving scam economy, identity has become the front line of defense and the foundation of trust online. In this fireside chat, Ryan Loftus, Chief of Trust & Security at JPMorgan Chase, and Matt Charpentier, Head of Identity at JPMorgan Chase, will discuss how AI-enabled fraud and social engineering are changing the dynamics of attack, and why strong identity must move from point-in-time controls to continuous confidence across the customer journey. Drawing on lessons from protecting customers at massive scale, they’ll explore how to reduce friction while raising assurance, how scams expose identity gaps, and why industry collaboration is essential to improving consumer safety.

Ryan Loftus, Chief of Trust & Safety, JPMorgan Chase

Moderator: Matt Charpentier, Head of Identity, JPMorgan Chase

Identity Week America - Day 1 @ 11:30

Panel: The new baseline: Adopting digital ID to future-proof customer experience and security in financial services

How is the role of digital identity evolving in financial services?
Assess the financial sector in the US' adoption of digital ID programmes (e.g. mDLs( into verification procedures
Discuss how digital ID is being innovatively applied across operations to verify customers, such as voice biometrics, onboarding, and fraud monitoring
Review the current threat level to the digital ID ecosystem in the financial service sector. Could we be doing more to protect identities?

Moderator: Brian Russell, Chief Executive Officer, DaVinci Partners Consulting

Parshaw Ghosh, Technology Leader, Capital One