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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 2019

Core Values


1. Act Like an Owner

We act like owners by always seeking opportunities for improvement, pursuing long-term results, being risk-sensitive and accountable for our actions, and supporting and investing in our communities.

2. Teamwork

Silvergate promotes teamwork, positive working relationships and a culture of cooperation by:

  • Being respectful and accessible to each other and our customers
  • Taking collective responsibility for our decisions
  • Recognizing and celebrating individual and collective successes
  • Partnering with our communities

3. Integrity

Silvergate employees adhere to the highest ethical standards and:

  • Are honest, humble, disciplined, and share openly
  • Our actions and words are consistent with our intentions

4. Superior Service

We provide superior service, internally and externally, in every interaction, by:

  • Doing more than is expected
  • Treating our customers and coworkers as we would like to be treated
  • Responding with urgency and expediency

5. Innovative

Silvergate Bank is innovative and we:

  • Are intellectually curious
  • Embrace and accept change
  • Are not afraid to seek unconventional opportunities

6. Work Hard/Have Fun

We believe in balancing our hard work and team-building fun. The Silvergate team is able to do this because we:

  • Are passionate
  • Use humor to keep the balance of business and fun in perspective
  • Engage with our communities


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 35 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.

Mr. Lane serves on the Board of Directors of Natural Alternatives International, Inc. He earned his BA in Economics from San Diego State University.

Kathleen Fraher

Kathleen Fraher | EVP and Chief Operating 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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