AIR is a nonprofit, non-membership organization working to make the financial system fully inclusive, fair and resilient through responsible use of new technology. By connecting regulation, finance, technology and society, AIR drives global innovation and collaboration to overcome the system’s legacy shortcomings and prepare it for rapid technology change.

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Jo Ann Barefoot

Founder & CEO

Jo Ann Barefoot is CEO & Co-founder of the Alliance for Innovative Regulation (AIR), host of the global podcast show Barefoot Innovation, and Senior Fellow Emerita at the Harvard Kennedy School Center for Business & Government. She has been Deputy Comptroller of the Currency, partner at KPMG, Co-Chairman of Treliant Risk Advisors, and a staff member at the U.S. Senate Banking Committee. She serves on the boards of Oportun and FinRegLab, and on advisory bodies for FINRA, the Milken Institute, and the California Blockchain Working Group. She formerly served on the board of the National Foundation for Credit Counseling. She is Co-founder of Hummingbird RegTech.

In 2021, Jo Ann was named Fintech Woman of the Year by Finovate and selected to the Forbes list of 50 Over 50. She is also in the Fintech Hall of Fame. She previously served on the CFPB’s Consumer Advisory Board and chaired the board of the Financial Health Network. She has published nearly 200 articles and speaks each year to thousands of people throughout the world.

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Nick Cook

Chief Innovation Officer

Nick Cook is Chief Innovation Officer at AIR.  Based in London, he was previously the Director of the UK Financial Conduct Authority’s (FCA) Innovation Division, including the agency’s RegTech and TechSprint initiatives, its data and analytics strategy, machine learning endeavours, and the “Innovate” program (encompassing the Regulatory Sandbox, innovation and digital policy, and industry-facing direct support services). At AIR, Nick heads the TechSprint program and the nascent AIR Fair Finance Accelerator, working with partners and the innovation ecosystem to define its scope ...

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Kisha Perkins

Chief Program Officer

Kisha Perkins joined the Alliance for Innovation Regulation (AIR) as the Chief Program Officer responsible for program strategy, project design and delivery, planning, staffing, resource management, and quality control of all programs. Prior to joining AIR, Kisha held several leadership roles during a 12-year stint in consulting, supporting large financial institutions in solving complex, multi-faceted consumer compliance challenges. Kisha led project execution and delivery teams that advanced consumer remediation initiatives, consent order deliverables and technology-focused solutions.

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Randy Repka

Chief Growth Officer

Randy Repka is the Chief Growth Officer at AIR and is based in Stowe, Vt. Since coming aboard at the beginning of 2020, Randy has planned and produced an array of regulatory Techsprints in partnership with both U.S. and non-U.S. agencies. In addition to consulting with regulators and financial firms on innovation techniques and solution- building, she published “How To Produce a TechSprint: A Manual for Regulators,” and has developed many templates and resources designed to help organizations stand up and manage their own TechSprints.

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Lexi Frazier

Chief of Staff

Lexi was a founding member of the original three-person team, along with Jo Ann Barefoot and David Ehrich, that launched AIR in 2019. As Chief of Staff, she oversees numerous operational, administrative, human resources and strategic activities, as well as marketing, communications and events. As AIR was getting off the ground, Lexi led activities relating to branding, public relations, website management and content creation. She provides ongoing leadership in managing rapid growth focused on productivity, program management and communications. She plays a role in AIR’s public policy work and leads ...

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Shelley Anderson

Program Director

A seasoned TechSprint leader, Shelley spent 16 years at the U.K.’s Financial Conduct Authority before coming to AIR in January 2022. Starting in 2015, she was part of the FCA’s Regtech team, designing and leading TechSprints and developing the regulator’s approach to interacting with the global Regtech ecosystem. Specializing in innovation for vulnerable consumers, Shelley has designed programs that look at the barriers faced by digital financial services consumers, and at how both regulators and firms can design better products for inclusion.

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F. Christopher Calabia

Senior Advisor

F. Christopher Calabia joins AIR with three decades of experience in financial regulation. He is enthusiastic about AIR’s mission to promote the responsible use of technology for the public good. Currently Chris is Head of Central Bank Digital Currency (CBDC) Programs at the Massachusetts Institute of Technology’s Digital Currency Initiative. He leads research engagements with central banks and other stakeholders to advise policymakers on the potential risks and opportunities associated with the launch of this new digital asset. In that vein, Chris began his career as a central banker ...

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Aye Diallo

TechSprint and Innovation Program Manager

Aye Diallo joined the Alliance for Innovative Regulation in 2022 as TechSprint and Innovation Program Manager where she works with global partners to conceive of and implement TechSprints and other initiatives aimed at using digital technology to solve financial and regulatory problems. Prior to joining AIR, Aye worked as a program developer and project manager leading efforts to create a more equitable startup community through Gender Equality in Tech (GET) Cities Chicago. She then worked in D.C. at a public relations firm, using economic analysis ...

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Elise Donahue

Senior Finance & Operations Manager

Elise joined AIR as the Finance & Operations Manager in early 2023. She supports and manages day-to-day financial and administrative activities, including organizational and project budgets, AIR’s operational policies, and internal controls. Prior to joining AIR, Elise held business management and administrative positions at growing firms in the Boston area for over six years, primarily in the financial services sector. She worked most recently as the business operations manager at Crowninshield Financial Research in Brookline, and before that at Cabot Investment Technology ...

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Mariama Jalloh

Program Director

Mariama joined AIR in April 2023 and works with a diverse group of partner organizations and other stakeholders to develop, launch and facilitate TechSprints and other innovation-focused programs. Throughout her career, she has successfully delivered advisory services to financial services clients, specializing in business transformation, program management, system implementations and process refinement. A former Director in KPMG's Advisory Group, Mariama provided expert advice to Fortune 500 companies on business integration and financial models ...

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Danae Kelly

Executive Assistant

Danae joined the team as Executive Assistant in February 2023. In her primary role, she supports CEO Jo Ann Barefoot and Executive Director David Ehrich with scheduling, travel planning and logistics, and provides additional administrative support. Danae came to AIR with a diverse career background in account and operations management, logistics, event planning, and executive administration for both nonprofits and consulting firms. Most recently, she spent nearly a decade as an executive assistant at a growing healthcare consulting startup in the Washington ...

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Nitya Malladi

Program Manager

Nitya joined AIR in May 2023 as a Program Manager. She collaborates with diverse global partners on TechSprints focusing on the potential of data mining and AI to enhance financial inclusion. She also provides consulting and technology education services for regulators in emerging markets. Prior to joining AIR, Nitya spent eight years working in credit, payments and strategy roles at prominent Indian banks and other financial services firms. As a result of this experience, she has an in-depth understanding of the impact and market nuances resulting from new regulatory processes ...

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Grace Mathebula

TechSprint Manager

Grace Mathebula joined AIR in October 2022 as a TechSprint Manager, based in Gauteng, South Africa. She manages TechSprints and sprint-related projects that help regulators and others innovate in the areas of financial inclusion, among other things, working with partners and the AIR team to meet program objectives. As a senior PMP-certified project manager and certified SCRUM Master, she has over 14 years of experience managing projects and programs in Information and Communications Technology (ICT) and data analytics. For most of that time, she focused on credit risk process ...

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Joseph Schember

Global Head of Marketing and Communications

Joe joined AIR in November 2021 as its first Global Head of Marketing and Communications. He leads marketing activities across all channels with a strategic focus on increasing AIR’s brand awareness, expanding its reach and optimizing communications for the greatest impact. His focus areas include website management, social media marketing, email marketing, speaking appearances, podcast promotion, public relations, fundraising materials and event support. Joe has over a decade of marketing experience in the graphics and publishing sector from his previous roles ...

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Katie Smith

TechSprint Consultant

Katie, who joined AIR in 2022, leads and supports TechSprint-related initiatives and other innovation programs across the organization. She has always been passionate about mission-driven work, including protecting vulnerable customers and the environment, which are both AIR priorities. Prior to working at AIR, Katie had a long career in traditional financial services. During 15 years at American Express, she filled many leadership roles across numerous business areas, including Prepaid Cards, Customer Experience and Travel. Her most recent roles primarily focused on managing the ...

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Mike Thompson

Program Director

Mike joined AIR as a Program Director in April 2023 with more than 11 years of prior regulatory compliance experience. He worked at the Federal Deposit Insurance Corporation for over eight years where he led or participated in examinations of community and regional banks across the U.S., including several of the most complex banks overseen by the agency. Mike also served as an instructor at the FDIC’s compliance examination schools and provided consumer compliance training internally and to regional industry groups ...

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Tracy A. Basinger

Former Head of Supervision, Federal Reserve Bank of San Francisco

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Thomas J. Curry

Former Comptroller of the Currency, Former Partner at Nutter

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Shamir Karkal

Co-founder and CEO of Sila, Formerly Co-founder of Simple

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Kabir Kumar

Director at Flourish

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Cantwell F. Muckenfuss III

Former Partner at Gibson, Dunn, & Crutcher LLP, current Visiting Clinical Lecturer at Yale Law School

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John Beccia

Co-Founder and CEO of FS Vector

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Richard Berner

Clinical Professor of Management Practice in the Department of Finance, NYU Stern

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Christopher Brummer

Professor and Faculty Director of Georgetown’s Institute of International Economic Law

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Jerry Buckley

Founding Partner of Buckley LLP

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Agnes Bundy Scanlan

President of The Cambridge Group LLC

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Andrew Burt

Managing Partner, bnh.ai and Chief Legal Officer, Immuta

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Fabrice E. Coles

Senior Manager, Global Public Policy, PayPal

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Jotaka Eaddy

Founder and CEO of Full Circle Strategies, LLC

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Judith Erwin

Former CEO, Grasshopper Bank

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Amy Friend

Senior Advisor to FS Vector, Formerly Chief Counsel, Office of the Comptroller of the Currency (OCC)

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Chris Giancarlo

Senior Counsel to the law firm Willkie Farr & Gallagher and the former Chairman of the U.S. Commodity Futures Trading Commission (CFTC)

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Daniel Gorfine

Founder of Gattaca Horizons LLC and Adjunct Professor of Law at the Georgetown University Law Center

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Yvette Hollingsworth Clark

EVP and Chief Compliance Officer, State Street

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Howell Jackson

James S. Reid, Jr., Professor of Law at Harvard Law School

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Wendy Jephson

Co-Founder of LetsThink

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Dan Kimerling

Founder and Managing Partner at Deciens Capital

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Arjan Schutte

VC - Founder and Managing Partner, Core Innovation Capital

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David Silberman

Senior Advisor, Financial Health Network

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Laura Spiekerman

Co-founder and CRO at Alloy

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Diana Taylor

Former Investment Banker

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Matt Van Buskirk

Co-Founder and Co-CEO of Hummingbird Regtech

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Raul Vazquez

CEO of Oportun

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Colin Walsh

CEO and Co-founder of Varo Money

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Carl Hoffman

CEO and Co-founder of Basis Technology

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Josh Reich

Former founder and CEO of Simple.com

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Kareem Saleh

Founder and CEO of FairPlay

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David Schwartz

Chief Technology Officer at Ripple

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Gary Shiffman

CEO of Giant Oak, Inc.

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Minerva Tantoco

Chief AI Officer at the NYU McSilver Institute for Poverty Policy and Research

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Matt Van Buskirk

Co-Founder and Co-CEO of Hummingbird Regtech

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Douglas Arner

Kerry Holdings Professor in Law

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Simone di Castri

Managing Director at RegTech for Regulators Accelerator (R2A)

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Hubert Danso

CEO and Chairman of Africa investor (Ai)

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Lesly Goh

Senior Technology Advisor for the World Bank

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Paula Hunter

Executive Director for the Mojaloop Foundation

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Mary Ellen Iskenderian

President and CEO of Women’s World Banking

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Sopnendu Mohanty

Chief Fintech Officer at the Monetary Authority of Singapore (MAS)

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Laura Clavijo Munoz

Head of Innovation at Colombia’s Financial Superintendency

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Anju Patwardhan

Managing Partner at CreditEase Fintech VC Fund

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Daniel M. Schydlowsky

Superintendent of Banking, Insurance and Private Pension Fund Administrators of Peru

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Bob Trojan

Founder and CEO of Token Insights and Financial Services Insights

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Anna Wallace

Senior Program Officer for Regulatory and Consumer Protection Technologies at the Bill and Melinda Gates Foundation

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Deborah Young

Founding CEO of The RegTech Association

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