Cathy Graeber is an independent thought leader and consultant to the financial services industry. In 2008 she founded her consulting firm, Swimming Upstream. Her work focuses on the way new technologies affect how consumers bank, save and borrow. Her emphasis is on the online and mobile channels, as well as payments. Prior to starting her consulting practice, Cathy was a Vice President and Principal Analyst at Forrester Research for eight years. Cathy joined Forrester with over 20 years of experience in financial services. Before joining Forrester, Cathy managed the Consumer Internet Services Division for Wells Fargo Bank. Before Wells Fargo, Cathy spent ten years at Bank of America. In 1995 she started-up the bank's online channel efforts and subsequently led the Online Channel Division for Bank of America.

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