Sandy Kaul is an SVP at Franklin Templeton and the Global Head of Digital Asset and Industry Advisory Services. Her work focuses on how disruptive technologies and innovation are reshaping the trajectory of asset and wealth management. Prior to joining Franklin Templeton, she worked at Citi Global Markets, Shearson Lehman Brothers, Commodities Corporation/Goldman Sachs Asset Management and J.P. Morgan Private Bank. She graduated with a major in History and a minor in Political Science from Colgate University.