AIR is a global nonprofit leveraging digital modernization to help build a financial system that serves everyone and produces widespread financial health.

Founded by Jo Ann Barefoot and David Ehrich, AIR arms regulators with digital tools to counter these dangers and optimize financial services for the digital age.

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Jo Ann Barefoot

Founder & CEO

Jo Ann Barefoot is CEO & Cofounder of the Alliance for Innovative Regulation, host of the global podcast show Barefoot Innovation, and Senior Fellow Emerita at the Harvard University 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 board of Oportun; on the fintech advisory committee of FINRA; on the California Blockchain Working Group Advisory Board; and on the Milken Institute U.S. FinTech Advisory Committee. She is Cofounder of Hummingbird RegTech.

Previously, Jo Ann served on the CFPB’s Consumer Advisory Board and chaired the board of the Financial Health Network. She now serves on the boards of FinRegLab and the National Foundation for Credit Counseling. She has published nearly 200 articles and is a popular keynote speaker, addressing thousands of people annually throughout the world.

Jo Ann was named Fintech Woman of the Year in 2021 by Finovate and selected to the Forbes list of 50 Over 50. The prior year she was inducted into the Fintech Hall of Fame by CB Insights. In 2021, AIR was honored in Fast Company's World-Changing Ideas awards.

Learn more about Jo Ann Barefoot

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David Ehrich

Co-Founder & Executive Director

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.

Learn more about David Ehrich

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Nick Cook

Head of Global Strategy & Partnerships

Nick Cook is Head of Global Strategy & Partnerships 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). 

Learn more about Nick Cook

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Thomas J. Curry

Former Comptroller of the Currency, current Partner at Nutter

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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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Michael Barr

University of Michigan, Former Assistant Treasury Secretary for Financial Institutions

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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

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

Board Director, Expert in Compliance and Risk Management

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Howell Jackson

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

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Wendy Jephson

Head of Product Research & Ideation at Nasdaq

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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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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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Shamir Karkal

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

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Josh Reich

Former founder and CEO of Simple.com

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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

Formerly CTO of New York City

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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. Schydlowski

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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