Sandy Kaul

Sandy Kaul is the head of Franklin Innovation Research, Strategies, and Technologies (FIRST) at Franklin Templeton, where she leads a multidisciplinary team focused on the firm's innovation agenda. Her role brings together the digital assets, strategic ventures, and industry advisory teams, supporting Franklin Templeton's position in digital disruption and the evolution of investment and wealth management. Kaul provides strategic insights that inform decision-making on partnerships and investments, particularly within the digital asset sector.

With more than 25 years of industry experience, Kaul has held leadership roles across the financial services industry. Before joining Franklin Templeton, she served as managing director and global head of business advisory services at Citi, where she developed a practice providing industry thought leadership across Citi's Markets and Global Wealth organizations. Her expertise spans the sell-side, buy-side, and consulting, offering a broad perspective on best practices and emerging trends such as ESG, factor analysis, and the integration of active and passive investment strategies.

Kaul is a frequent speaker at industry events, recognized for her macro-level understanding of the evolution of financial services and the impact of technological innovation on investor behavior, trading strategies, and operational practices. Her public engagements and published work focus on digital assets, tokenization, and the future of wealth management, establishing her as a knowledgeable voice on the intersection of finance and technology.