Jo Ann Barefoot is CEO & Cofounder of AIR - the Alliance for Innovative Regulation - and host of the global podcast show Barefoot Innovation. A noted advocate of “regulation innovation,” Jo Ann is Senior Fellow Emerita at the Harvard Kennedy School Center for Business & Government. She has been Deputy Comptroller of the Currency, partner at KPMG, Co-Chair of Treliant Risk Advisors, and staff member at the U.S. Senate Banking Committee. She serves on the board of Oportun; on the fintech advisory committee of FINRA; on the Milken Institute U.S. FinTech Advisory Committee; and on the California Blockchain Working Group Advisory Board. Jo Ann previously chaired the boards of directors of the Financial Health Network and FinRegLab and served on the CFPB’s Consumer Advisory Board. She currently serves on the boards of FinRegLab and the National Foundation for Credit Counseling. Jo Ann cofounded Hummingbird Regtech and, in 2020, was named to the Fintech All of Fame by CB Insights. AIR was honored in Fast Company's 2021 awards on World-Changing Ideas.
David Ehrich is Co-founder and Executive Director of AIR - the Alliance for Innovative Regulation, a non-profit dedicated to the digital modernization of the regulatory system. David is the architect of the Bank On National Account Standards, and he is a Co-Founder of Petal, a fintech credit card pioneering the use of cash flow underwriting to help consumers build safe and affordable credit access when they do not have a credit score or a history of credit. David was appointed to the CFPB's Consumer Advisory Board, and is a member of the Marketplace Partner Advisory group for Change Machine. David serves on several nonprofit boards and is an active fintech advisor and investor. David holds an MBA from the Tuck School of Business at Dartmouth, and a B.S. from Cornell University.
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