Raj Karkara is the chief revenue officer and director of tZERO, Overstock.com’s financial technology subsidiary that has built a distributed ledger based platform for capital markets and is applying crypto technology to the financial industry. In this role, he was instrumental in the issuance and sale of the world’s first digital bond in 2015, and in 2016, issuing the world’s first publicly traded digital security, which settled same day using the tZERO platform. In addition, Karkara also serves as vice president of financial services, loyalty and new business development at Overstock.com. In this role, he manages products such as Club O, Overstock.com’s loyalty program and FinanceHub, a platform which offers multiple financial products for lending, investments, insurance and credit cards. Before joining Overstock, Karkara was the Director of Global Strategic Product Development at MasterCard, focusing on global mobile payments and mobile identity solutions. Prior to MasterCard, he was Director of Product at HookLogic (now criteo), where he helped retailers such as Overstock optimize onsite advertising revenues. Karkara received a bachelor’s degree in Electrical Engineering from the University of Pune, India and a master’s degree in Business and Telecommunications from the University of Maryland, College Park.