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About Us

Based in La Jolla, California, Silvergate is a Federal Reserve member bank and the leading provider of innovative financial infrastructure solutions and services for the growing digital currency industry.

We leverage our technology platform and management team's expertise to develop solutions for many of the largest fintech and digital currency companies and investors around the world. Our solutions are built on our deep-rooted commitment and proprietary approach to regulatory compliance.

Founded in 1988, Silvergate has been consistently profitable for 20+ years and our stock is publicly traded on the NYSE (SI).


Founded as an industrial loan company


The beginning of our digital currency initiative


Silvergate has been profitable for the past 20+ years


Digital currency and fintech clients as of Q3 2021

Core Values


Challenge Convention

We innovate continuously and create success through small and big improvements, being intellectually curious, and embracing change.

Cultivate Awesome

We stay engaged and unified through a healthy balance of hard work, celebrating together, and building our fun, vibrant, and driven culture.

Do What's Right

We act with integrity and humility, building trust with our clients and each other through openness, respect, and radical candor.

Empower People

We create inclusive growth by empathizing, supporting, and inspiring every person in our community to reach their full potential.

Exceed Expectations

We set others up for success by listening carefully, answering clearly, and doing more than what’s expected for each other and our clients.

Take Ownership

We take pride in our work, hold each other accountable, and embrace the entrepreneurial spirit with grit, passion, and resourcefulness.


Our Team

We work with entrepreneurs to create opportunity and prosperity in our communities. Our culture, experience, and dedication make Silvergate a valuable, collaborative partner for our clients and a great place to build careers.

Alan Lane

Alan Lane | Chief Executive Officer

Mr. Lane has been with Silvergate since December 2008. He is President and Chief Executive Officer of Silvergate Capital Corporation and is Chief Executive Officer of Silvergate Bank.

With over 40 years of corporate and financial institution leadership experience, he formerly held the positions of Director, President and Chief Operating Officer of Southwest Community Bancorp; Vice-Chairman and Chief Executive Officer of Financial Data Solutions, Inc.; and Director and Chief Executive Officer of Business Bank of California. In addition to his financial institution experience, Mr. Lane has served as President/CEO or Chief Financial Officer of both manufacturing and retail companies.

He earned his B.A. in Economics from San Diego State University.

Kathleen Fraher

Kathleen Fraher | Chief Risk Officer

Kate Fraher joined Silvergate in 2006. Prior to her current position she served as Vice President, Compliance and BSA Officer, and was responsible for overseeing the audit function.

Ms. Fraher has over fifteen years of banking, insurance, and securities experience with local financial institutions and has a broad-based background in all aspects of banking, with emphasis on managing regulatory relationships, examinations, and compliance with all major banking-related laws and regulations.

She has designed and implemented scalable compliance management programs as well as control structures and policies for commercial, consumer, and mortgage lending operations, and deposit and branch operations. Ms. Fraher holds a Bachelor of Science degree in Business Administration from Mount St. Mary's College in Los Angeles, CA and completed the ABA Graduate School of Compliance Management.

“I look forward to coming into work every day because I just love all the people that I work with. We definitely are a family.”

Zine Majid, Account Manager

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