Leadership
Risk. Governance. Responsible Growth.
Sibongile Ngako is a senior executive with more than 25 years of experience spanning regulatory supervision, established financial institutions, and high-growth fintech. Her career has been defined by helping organizations navigate complex regulatory environments, manage strategic risk, and pursue responsible growth.
She serves as Senior Vice President, Chief Compliance Officer and BSA Officer at Brex, where she leads enterprise compliance and partners with senior leadership on regulatory strategy, enterprise governance, and the risks and opportunities associated with innovation and business transformation.
Executive Experience
At Brex, Sibongile leads enterprise compliance across financial crimes, payments and licensing, product and marketing compliance, and regulatory governance. Following Brex's acquisition by Capital One, she has continued to lead its compliance organization while partnering with enterprise risk and compliance leadership on governance and integration.
Previously, at Affirm, she built and led the global compliance function, overseeing risk assessments, monitoring and testing, financial crimes, fair lending, licensing, and product advisory. At American Express, she held senior leadership roles across risk, compliance, and operational excellence, supporting more than 50 product launches and major marketing initiatives.
Her perspective was shaped earlier in her career at the Federal Reserve Bank of New York, where she examined complex financial institutions, and at Fannie Mae, where she worked in credit policy. Together, these experiences give her a distinctive perspective spanning regulatory supervision, established financial institutions, and high-growth fintech.
Board & Governance
Sibongile brings a strategic, board-facing perspective shaped by regulatory supervision, established financial institutions, and high-growth fintech. She advises boards and executive leadership on aligning risk appetite, governance, and regulatory strategy with business objectives to support responsible growth.
Her experience includes chairing compliance risk committees, co-chairing enterprise risk governance, and developing board-level risk indicators and reporting. She has also led AI and model-governance initiatives, helping organizations balance innovation with effective oversight and risk management.
Her expertise spans financial crimes, bank partnerships, consumer protection, and regulatory governance. She previously served on FinRegLab’s advisory board, supporting the responsible use of data and technology in financial services.
She brings particular value to organizations navigating market expansion, strategic partnerships, acquisitions, and emerging technologies, combining regulatory insight with a practical understanding of business transformation.
For board service, advisory engagements, or executive inquiries, please get in touch to request additional professional credentials.