Jo Ann Barefoot is CEO & Founder 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-Chairman of Treliant Risk Advisors, and staff member at the U.S. Senate Banking Committee. She’s an angel investor, serves on the board of Oportun, serves on the fintech advisory committee for FINRA, is a member of the Milken Institute U.S. FinTech Advisory Committee, and is a member of the California Blockchain Working Group Advisory Board. Jo Ann chairs the board of directors of FinRegLab, previously chaired the board of the Financial Health Network, and previously served on the CFPB’s Consumer Advisory Board. She was a Cofounder of Hummingbird Regtech.
David Ehrich is Co-founder and Executive Director of AIR - the Alliance for Innovative Regulation, a non-profit that helps bank regulators embrace and leverage technology. David has worked in banking and payments for 20 years at McKinsey, American Express where he was a GM in the prepaid group, and JPMorgan Chase where he was the head of credit card strategy. David is the architect of the Bank On National Account Standards for bank accounts with no overdraft fees and he is a Co-Founder of Petal, a NYC-based fintech credit card startup pioneering the use of cash flow underwriting to help consumers who lack a history of credit. David has served on several nonprofit boards, he is a fintech advisor and investor, and he is currently a member of the Marketplace Partner Advisory group for the Financial Clinic and the A-Team Insight Advisory Board. David has an MBA from the Tuck School of Business at Dartmouth, and a B.S. from Cornell University.
Thomas J. Curry is a partner in Nutter’s Corporate and Transactions Department and a co-leader of the firm’s Banking and Financial Services group. He advises clients in a wide range of policy, regulatory, governance, and other matters. He chairs the Milken Institute’s Fintech Advisory Committee and is a foundation board member of the newly launched initiative Alliance for Innovative Regulation (AIR), which will help regulators integrate technology into every stratum. Prior to joining Nutter, Tom served as the U.S. Comptroller of the Currency until May 2017. He most recently served as an expert consultant for the International Monetary Fund.
Adrienne Harris is a Towsley Foundation Policymaker in Residence at the University of Michigan’s Ford School of Public Policy and a Gates Foundation Senior Research Fellow with the Center on Finance, Law, and Policy at the University of Michigan. She also advises fintech companies, financial institutions, and large venture capital firms. Most recently, Adrienne was the Chief Business Officer and General Counsel a San Francisco-based, insurtech start-up for which she is now an Advisor. Adrienne was a Special Assistant to President Obama for Economic Policy at the National Economic Council in the Obama White House, advising the White House on financial reform, financial technology, cyber security, consumer protection, and housing finance reform, and spearheaded the Administration’s fintech strategy. She previously served as Senior Advisor to Deputy Treasury Secretary Sarah Bloom Raskin.
Cantwell F. Muckenfuss III is a Visiting Clinical Lecturer in Law at Yale Law School and a partner in the Washington, D.C. office of Gibson, Dunn & Crutcher LLP where he focuses on the representation of financial institutions. Mr. Muckenfuss is a founder, member and past Vice Chairman of the Board of Directors of City First Bank of D.C., N.A., a community development bank in Washington, D.C. He is also Chairman of the Board of City First Enterprises, Inc., the nonprofit controlling shareholder of City First Bank. Mr. Muckenfuss received his Bachelor of Arts degree from Vanderbilt University, where he was a member of Phi Beta Kappa, and his law degree from Yale Law School.
Michael S. Barr is the Joan and Sanford Weill Dean of Public Policy at the Gerald R. Ford School of Public Policy, the Frank Murphy Collegiate Professor of Public Policy, the Roy F. and Jean Humphrey Proffitt Professor of Law at the University of Michigan Law School, and the Faculty Director of the Center on Finance, Law, and Policy at the University of Michigan. He is also a nonresident Senior Fellow at the Center for American Progress and previously, at the Brookings Institution. He served under President Obama from 2009–2010 as the U.S. Department of the Treasury's Assistant Secretary for Financial Institutions, and was a key architect of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. In the Clinton Administration, Barr served as Special Advisor to President William J. Clinton, Deputy Assistant Secretary of the Treasury for Community Development Policy, Special Assistant to the Treasury Secretary, and Special Advisor and Counselor on the Policy Planning Staff at the State Department. During the 1993 October Term, he was a law clerk for Associate Justice David H. Souter. He received his J.D. from Yale Law School; an M. Phil in International Relations from Magdalen College, Oxford University, as a Rhodes Scholar; and his B.A., summa cum laude, with Honors in History, from Yale University.
John provides a wide range of regulatory and compliance solutions for financial services, fintech and cryptocurrency firms. He was most recently General Counsel and Chief Compliance Officer of Circle Internet Financial, Inc., a global crypto finance company that is seeking to help change the global economy. Mr. Beccia previously served as Senior Vice President and Deputy General Counsel for Boston Private Financial Holdings, Inc., a publicly traded bank holding company. He was also Assistant General Counsel for Investors Bank & Trust Company and Chief Regulatory Counsel and Research Director for The Financial Services Roundtable where he was responsible for all regulatory affairs and assisted with legislative efforts for the trade association. Mr. Beccia has served as Chairman of the In-House Counsel Subcommittee of the American Bar Association’s (ABA) Banking Law Committee and is currently an Adjunct Professor of Boston University School of Law. Mr. Beccia has a Bachelor of Arts degree in Political Science from Providence College, a J.D. from Roger Williams University School of Law, and a LLM in Banking and Financial Law from Boston University School of Law.
Richard Berner is Clinical Professor of Management Practice in the Department of Finance, and, with Professor Robert Engle, is Co-Director of the Stern Volatility and Risk Institute. Professor Berner served as the first director of the Office of Financial Research (OFR) from 2013 until 2017. He was counselor to the Secretary of the Treasury from April 2011 to 2013. He served as chief or senior economist at Morgan Stanley, Mellon Bank, Salomon Brothers, Morgan Guaranty Trust Company, and the Board of Governors of the Federal Reserve System. He received his BA from Harvard College and his PhD from the University of Pennsylvania. He is an advisor to FinRegLab, MacroPolicy Perspectives, HData, and the Alliance for Innovative Regulation, and is a member of the Milken Fintech Advisory Committee and the IMF panel of experts for financial stability.
Described by Chambers as "a recognized dean of the consumer finance bar," Jerry Buckley has, over a 40 year career, established himself as an acknowledged leader in financial services law. A founding partner of Buckley LLP, Mr. Buckley assists his clients — banks, mortgage companies, credit card issuers, insurance companies, broker dealers, fintech lenders, investment banks, and private equity investors — with business formations and acquisitions, risk management, and enforcement matters involving federal and state regulators. He has extensive experience with electronic signatures and serves as General Counsel of the Electronic Signatures and Records Association. He is co-author of The Law of Electronic Signatures and Records. Prior to entering private practice, Mr. Buckley served as Republican Staff Director of the U.S. Senate Banking Committee, where he participated in drafting most of the laws that serve as the foundation for today’s consumer finance law ─ the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Foreign Corrupt Practices Act, the Truth in Lending Act amendments, the Equal Credit Opportunity Act, the Community Reinvestment Act, and the Home Mortgage Disclosure Act. For many years, Mr. Buckley has been a leading advocate for updating and modernizing the nearly 50 year old regulatory regime that is slowing down financial innovation. Several years ago he wrote a widely read article in the American Banker urging development of “dynamic disclosures,” to offer far more useful information to consumers than is provided under the cumbersome and voluminous static disclosures currently provided. He recently took the lead in a pro bono project producing a white paper on “Regulatory Hurdles to Fintech Innovation,” based on interviews with innovation leaders in each of the federal financial regulatory agencies. Mr. Buckley serves as an Adjunct Associate Professor of Law at the American University Washington College of Law. The recipient of numerous awards and honors, he received the Senator William Proxmire Lifetime Achievement Award from the American College of Consumer Financial Services Lawyers in 2015.
Andrew Burt, an internationally recognized expert on the intersection between data privacy, security and artificial intelligence, is Chief Legal Officer at Immuta, where he leads the company's Legal Engineering team. The team, comprised of lawyers with deep expertise in data science, focuses on automating compliance and oversight activities within the Immuta software platform.
Before joining Immuta, Andrew served as Special Advisor for Policy to the head of the FBI Cyber Division, where he was the lead author on the FBI’s after action report on the 2014 attack on Sony. A frequent speaker and author, he has published articles on technology and law in The New York Times, The Financial Times, and Harvard Business Review, where he is a regular contributor.
Andrew is a visiting fellow at Yale Law School’s Information Society Project, a term member of the Council on Foreign Relations, and a certified cyber incident responder. He holds a J.D. from Yale Law School and a B.A. with first class honors from McGill University.
Judith Erwin is the founding CEO of Grasshopper Bank, the first digital commercial bank in the United States. Judith was on the founding executive team for Square 1 Bank in 2005, responsible for venture capital services globally. Square 1 successfully went public in 2014 and was later sold to Pacific Western Bank. She previously worked at Imperial and Comerica. After 35 years in banking, Judith knew it was the time to make significant changes in the commercial banking industry. Her strategy was to build a bank from scratch providing both a modern technological framework and intuitive user experience for the digital entrepreneurs Grasshopper serves. Grasshopper Bank opened its doors on May 13, 2019 becoming the first US digital commercial bank, first new bank in NY in ten years, and first de novo with a female CEO, female CTO, and female CFO.
Amy has over 25 years of experience shaping banking and consumer financial protection law and regulation. Amy was Senior Deputy Comptroller and Chief Counsel at the Office of the Comptroller of the Currency (OCC) from February 2013 to November 2017 where she served on the agency’s executive committee and oversaw all of the agency’s legal activities and licensing functions. Amy led the OCC’s strategic initiative on responsible innovation resulting in the establishment of the Office of Innovation and the fintech national bank charter. Previously, she held a number of positions in the US Congress, including Chief Counsel to the Senate Committee on Banking, Housing, and Urban Affairs where she led the Committee’s work in responding to the financial crisis, including the Dodd-Frank Act, and Minority General Counsel to the House Committee on Financial Services. Amy currently serves as a senior advisor to FS Vector, an advisory firm that helps innovative financial companies with their compliance, business strategy and policy needs. She is on the board of directors for Varo Money, a challenger mobile bank, and FinRegLab, a newly established nonprofit that tests new technologies and data to inform public policy and drive more inclusive financial services.
Christopher Giancarlo is Senior Counsel to the law firm Willkie Farr & Gallagher and the former Chairman of the U.S. Commodity Futures Trading Commission (CFTC). Mr. Giancarlo also served as a member of the Financial Stability Oversight Committee (FSOC), the President’s Working Group on Financial Markets, and the Executive Board of the International Organization of Securities Commissions (IOSCO). Before entering public service, Mr. Giancarlo served as the Executive Vice President of GFI Group Inc., a financial services firm. Under his leadership, the CFTC published primers on virtual currencies and smart contracts, oversaw the launch of the first bitcoin futures contracts and created LabCFTC as the agency’s stakeholder in the digital evolution of derivatives trading markets.
He recently launched a non-profit, The Digital Dollar Foundation. The Digital Dollar Project is a partnership between Accenture (NYSE: ACN) and the Digital Dollar Foundation to advance exploration of a United States Central Bank Digital Currency (CBDC). The purpose of the Project is to encourage research and public discussion on the potential advantages of a digital dollar, convene private sector thought leaders and actors, and propose possible models to support the public sector. The Project will develop a framework for potential, practical steps that can be taken to establish a dollar CBDC.
Chris has over 45,000 followers on Twitter as @giancarloMKTS where he is known as “CryptoDad.”
Daniel Gorfine is an experienced regulatory, public policy, strategic communications, and business executive, and the founder of Gattaca Horizons LLC, a boutique advisory firm. Gorfine has substantial in-house, government, and think tank experience across the technology and financial markets & services sectors, and was previously appointed by the Chairman of the U.S. Commodity Futures Trading Commission (CFTC) to serve as the federal agency’s first Chief Innovation Officer and Director of LabCFTC. In that capacity, Gorfine developed and led the Commission’s new technology innovation and regulatory modernization effort focused on informing policy and helping the Agency keep pace with modern, digital markets. Gorfine served as a senior agency representative on FinTech and crypto-asset issues, worked with staff and Members of Congress, coordinated with domestic and international regulators, and provided expert testimony before Congress. He also currently serves as an Adjunct Professor of Law at the Georgetown University Law Center teaching FinTech Law & Policy. Prior to the CFTC, Gorfine was Vice President, External Affairs & Associate General Counsel at OnDeck where he spearheaded efforts to create a new industry trade association and business standards. Gorfine also previously served as Director of Financial Markets Policy and Legal Counsel at the Milken Institute think tank, and earlier in his career worked at the international law firm Covington & Burling LLP. He also served a clerkship with U.S. District Court Judge Catherine C. Blake in the District of Maryland. A graduate of Brown University (A.B.), Gorfine holds a J.D. from George Washington University Law School and an M.A. from the Paul H. Nitze School for Advanced International Studies (SAIS) at Johns Hopkins University.
Lifetime entrepreneur with experience in text analytics, cyber forensics, and cross-border ventures. Co-founder of Basis Technology and investor in Customer Matrix, Diffeo, Lucidworks, Luminoso, Polyswarm, Recorded Future, Tamr, and Zoomd. Advisor to Diffeo, PolySwarm, and Thrive Bioscience. Delivered key enabling technology to Amazon and Google for their Japan market launches, and to Bing and Yahoo for their Asian expansion. Worked with the US Intelligence Community on high volume, multilingual DOMEX, HUMINT, OSINT, and SIGINT. Non-profit experience as business development director of the Free Software Foundation and director of the Unicode Consortium. Spent formative years at MIT as a student, teaching assistant, and research assistant at the AI Lab and Project MAC.
Yvette Hollingsworth Clark brings a global perspective and wealth of experience to the challenge of building best-in-class compliance frameworks for complex financial institutions. Currently Executive Vice President and Regulatory Innovation Officer within Wells Fargo’s Innovation Group, Yvette is taking the lead in developing, integrating, and executing a risk management model for the unique environment of the Innovation Group—a catalyst for transformational change across the company. The new risk management model, developed in collaboration with Innovation R&D and other risk management groups across the enterprise, will help the company approach risk differently during early-stage product development. As a member of the Wells Fargo Management Committee, Yvette worked closely with the CEO and other senior executives to develop business strategies that met goals for growth while complying with US and global regulatory requirements. Previously Executive Vice President and Chief Compliance Officer at Wells Fargo, she held global responsibility for the corporate compliance function that provides independent oversight of compliance risk management throughout the worldwide enterprise. Her influence and leadership within business and compliance realms have been recognized with notable awards. In 2016 and 2017 she was included in Black Enterprise’s Most Powerful Executives in Corporate America. In 2015, 2016 and 2017, she was recognized by American Banker on its “The 25 Women to Watch” list. In 2016, she was honored as one of the “Most Influential Women in Business” by the San Francisco Business Times. And in 2015, the San Francisco League of Women Voters named her one of the “Women Who Could be President.” Yvette also holds or held leadership roles with several industry and nonprofit associations, including:
Howell Jackson is the James S. Reid, Jr., Professor of Law at Harvard Law School. His research interests include financial regulation, consumer protection, international finance, and federal budget policy. Professor Jackson has co-authored three books—Financial Regulation: Law and Policy (2nd ed. 2018), Analytical Methods for Lawyers (3rd ed. 2017), and Fiscal Challenges: An Interdisciplinary Approach to Budget Policy (2008)—and the author of numerous scholarly articles. Professor Jackson frequently consults with public officials and regulatory agencies on financial regulation. He is also trustee of College Retirement Equities Fund (CREF) and affiliated TIAA-CREF investment companies. Before joining the Harvard Law School faculty in 1989, Professor Jackson practiced law in Washington, D.C., and was a law clerk for Associate Justice Thurgood Marshall. He received his JD and MBA degrees from Harvard University in 1982 and a BA from Brown University in 1976. Additional information on Professor Jackson’s outside activities is available at https://helios.law.harvard.edu/Public/Faculty/ConflictOfInterestReport.aspx?id=10423.
Wendy Jephson is Head of Behavioural Sciences for Market Technology Risk and Surveillance solutions at Nasdaq. Wendy is responsible for leading a unique team of experts that combines behavioural science, financial domain knowledge, and advanced analytics to bring diverse thinking and cross-industry experience to designing and delivering technology that solves some of the biggest challenges in financial services. Dual qualified as a commercial lawyer and Business Psychologist with domain expertise in healthcare and financial services, in her role as Co-Founder Wendy was instrumental in the original vision, growth phase and the recent acquisition of Sybenetix by Nasdaq. As Head of Behavioural Sciences at Nasdaq Wendy and her team work closely with Alpha clients using behavioural science methodology to dive deeply into complex challenges facing the financial industry. Together they are designing innovative technology for Conduct Risk that can deliver efficiency, consistency and greater resilience to our organisations. Recognised as a leader in her field, Wendy regularly delivers keynotes to Regulators, Buy and Sell-side organisations and leading universities around the world on topics as diverse as AI, Surveillance, Technology Design, Cognitive Engineering, Organisational Resilience and Conduct and Culture.
A true FinTech pioneer, Shamir Karkal played a crucial part in building the infrastructure that would pave the way for online banking. In 2009, he co-founded Simple, the first bank of its kind in the United States, and later headed the Open Platform at BBVA. Shamir was drawn to serve smaller companies, co-founding Sila in 2018 with the goal of empowering financial innovations. Shamir studied physics and computer science at Bangalore University and is a graduate of Carnegie Mellon’s Tepper School of Business. He lives with his family in Portland, Oregon, and enjoys jiu-jitsu, long-range target shooting, and studying history whenever possible.
Dan Kimerling started Deciens because of the realization that there was (and, other than Deciens, is) no Venture fund focused on supporting fintech companies at the seed stage. Having helped to start three companies and invested in over forty, he thought that this was a major problem for founders trying to re-shape a sector that is over 20% of global GDP. As Founder and Managing Partner at Deciens Capital, Dan is responsible for all aspect of the firm, including raising capital, sourcing and executing investments, and collaborating with portfolio companies. As part of this, he is on the board of several portfolio companies. The firm build’s on his successful angel track record, including Tala, Truelink Financial, Starcity, SimpleLegal (acquired by Onit), and Fuze Network (Acquired by Ingo Money). Until September 2017, Dan was a senior executive at Silicon Valley Bank responsible for API Banking, Open Platform, and Global Research and Development. He joined Silicon Valley Bank in July of 2015 through the acquisition of Standard Treasury, which he co-founded and served as the CEO. Standard Treasury - a YCombinator company - was the leading provider of API solutions to the financial services community and was named one of the 10 technology companies to watch by The American Banker in 2014. Because of his work on bringing cutting edge technology to banks, Dan was named to the 2015 Forbes' 30 under 30 list. Before starting Standard Treasury, Dan was the first employee and Chief Operating Officer of Giftly, a stored value technology company acquired by GiftCards.com in May 2013. While leading the company, Business Insider named Giftly one of "The 20 Best Start of 2011" and Dan one of the "25 Hot Young Stars In Silicon Valley". Giftly's mobile app was also named by "Best of the App Store" by Apple in 2012. Before Giftly, Dan was a journalist and analyst at TechCrunch, the leading technology website on the Internet until its acquisition by AOL in 2010. He also helped to run their well-regarded conference business for two years. Earlier in his career he was an award winning policy scholar, being named the Anne Armstrong Leadership Fellow at the Center for Strategic and International Studies and a Jeff Metcalf Fellow at the Hudson Institute. He graduated from the University of Chicago with a BA and MA (both with honors) and studied mathematical (analytic) finance at the University of Chicago Booth School of business for a year as a Booth Scholar. Outside of his work at Deciens Capital he is also the Co-Founder and a Principal at Gutenberg Capital, a Real Estate investment company based in Albuquerque, New Mexico. He lives with his wife and their dogs in San Francisco CA and Santa Fe NM.
Sasha Orloff is a serial entrepreneur, board member and advisor based in San Francisco. Currently he is Founder and CEO of Valencia, a stealth-mode startup. Prior Sasha was CEO and co-founder of LendUp and Mission Lane, a division of LendUp that was spun out as a separate entity. Both LendUp and Mission Lane's goal is to provide anyone with a path to better financial health through technology, credit products, and educational experiences that haven’t existed before for the emerging middle class—the 56% of Americans shut out of mainstream banking due to poor credit or income volatility. Prior to founding LendUp, Orloff held roles as the Senior Vice President on Citigroup's Venture Capital team, and prior to that roles in risk, finance and analytics in Cit's consumer credit team. Earlier in his career, Orloff worked for the Grameen Foundation Technology Center and The World Bank, and a few technology startups throughout Silicon Valley. He has a B.S. in applied math and economics from the University of California, San Diego and an MBA from Georgetown University.
Anju Patwardhan is Managing Partner at CreditEase Fintech VC Fund. Prior to this, Anju worked in banking for over two decades with Citibank and Standard Chartered Bank (SCB) in global and regional leadership roles. Anju is a member of the World Economic Forum (WEF) fintech steering committee, Fintech Faculty at Singularity University, and a Distinguished Fellow of the Singapore Institute of Banking and Finance. She serves on several international boards including the Gulf International Bank (Saudi Arabia), University of the Future (India), OCBC Bank’s Digital Advisory Council (Singapore), board nominee of the PIF (Saudi Arabia), and various fintech companies in the US/UK. She was a 2016 Fulbright Fellow & Visiting Scholar at Stanford University, and Distinguished Careers Institute Fellow at Stanford in 2017 and 2018. While at Stanford, she published papers on the use of technology to support financial inclusion and also collaborated on launching a fintech course for the MBA students. She was also on the advisory board of the Government of Estonia’s e-Residency program. She was also an Innovation Fellow at the National University of Singapore, and Fintech Industry expert at UC Berkeley. She is an alumnus of the Indian Institute of Technology and the Indian Institute of Management and has additional qualifications in board directorship, risk management and art appreciation.
Josh has spent 20 years moving from the architecture of the internet to the architecture of money, and how people think about it. Currently, Josh is dedicating his time to his family, and growing herd of goats, cattle and sheep on his farm in rural Oregon. Prior to this Josh was the founder and CEO of Simple.com. At Simple, he used his background in systems engineering, quantitative analysis, and behavioral economics to design a retail banking experience designed to help people feel confident with money. He has an MBA from Carnegie Mellon University, a BSc in Mathematics and Statistics and almost a medical degree from the University of Melbourne.
Arjan Schütte is the founder and a managing partner of Core Innovation Capital, a mission-driven venture capital fund investing in financial services companies that empower everyday Americans. His investments include Ripple, Oportun, SynapseFI, Fundera and TIO Networks. Arjan is a sought-after consumer finance expert and a passionate advocate for market-based financial inclusion. He blogs for Forbes, and has been quoted in the Wall Street Journal, New York Times, and Economist, among others. He has spoken everywhere from SxSW to Stanford, from Money2020 to the White House. Arjan served as member of the CFPB’s Consumer Advisory Board and is a Senior Advisor to the Financial Health Network (formerly CFSI), the nation’s leading authority on financial health, which he helped start in 2004. He currently serves on boards including SynapseFI, and PadSplit, and as observer to boards including Fundera, Mosaic, Hugo, and PayJoy. Previous boards include Ripple, and TIO Networks. A number of Arjan’s investments have been successfully excited, including Oportun (IPO), TIO Networks (by PayPal), AccountNow (by Green Dot), CircleLending (by Virgin Group), L2C (by TransUnion), and RentBureau (by Experian). Prior, Arjan spent a decade as an entrepreneur in several venture backed startups as a technology leader and general manager including Pierian Spring Software, Cognitive Concepts (acquired by Houghton Mifflin), Capella Learning (NASDAQ: CPLA), and DoTheGood. Arjan earned his Master’s from the Media Laboratory at the Massachusetts Institute of Technology, as an Interval Research Fellow, and his Bachelor’s in Philosophy and Communication at Lewis & Clark College. He commutes between Los Angeles and San Francisco, when he’s not doting on his his wife and two young children, learning the piano or cooking.
David Silberman has been involved in consumer finance issues from a wide range of perspectives for over three decades. As President and CEO of Union Privilege, an affiliate of the AFL-CIO, he led the development and oversaw the delivery of a range of consumer financial products and services to union members. After leaving Union Privilege, David served as General Counsel and Executive Vice President of the Kessler Financial Services, a privately-held company providing marketing and advisory services to financial institutions and their affinity-group partners. Following the passage of the Dodd-Frank Act, David joined the implementation team for the Consumer Financial Protection Bureau and was named the Associate Director for the Division of Research, Markets, and Regulations. In 2016-2017, David also served as the Acting Deputy Director for the CFPB. Mr. Silberman retired from the CFPB in 2020, and now serves as a Senior Advisor to the Center for Responsible Lending and the Financial Health Network’s Financial Solutions Lab. He also has been named an adjunct professor at Georgetown’s School of Public Policy and at Harvard Law School, from which he graduated. Mr. Silberman began his legal career as a law clerk to Chief Judge David Bazelon of the D.C. Circuit and Justice Thurgood Marshall.
Laura Spiekerman is a cofounder and CRO at Alloy. Alloy's API enables financial services companies to better manage their digital onboarding and identity requirements, increasing conversion and reducing fraud for banks and fintechs alike. Alloy works with both fintech companies and banks, including Marqeta, Petal, Brex, Radius Bank and others. Prior to Alloy, Laura lead Business Development & Partnerships at an ACH payments startup and was on the Research & Investment team at Imprint Capital Advisors (acquired by Goldman Sachs). Laura is a proud Barnard College alumna and lives in Oakland, California.
Experienced Executive and Advisor managing technology risk as a transformational Chief Technology Officer (CTO), First-ever CTO of City of New York, Financial Services CTO, successful entrepreneur, an expert in technology risk and audit, regulatory technology, intelligent automation and data governance. Ms. Tantoco has an impressive track record in enterprise transformation at scale, as Senior Product Manager at Palm, CTO at Merrill Lynch and UBS, and holds four US patents on intelligent workflow. Appointed New York City’s first-ever Chief Technology Officer, Tantoco led the Mayor’s Office of Tech and Innovation and groundbreaking initiatives in smart city tech. Most recently, Tantoco co-founded Grasshopper Bank. raised $131M in seed and capital funds, building a digital bank from scratch. Tantoco is currently a Board Member and Advisor, consultant, and speaker on artificial intelligence, regulatory tech, and fintech.
Matt Van Buskirk is Co-Founder and Co-CEO of Hummingbird Regtech. Hummingbird gives superpowers to the people fighting financial crime by reducing paperwork, providing smart, data-rich analytics, and enabling collaboration for compliance professionals and law enforcement agents. Before launching Hummingbird, Matt was the Director of Regulatory Affairs at Circle.com, an international consumer payments startup leveraging blockchain technology. He was previously a consultant with Treliant Risk Advisors, a Washington-based management consulting firm specializing in the financial services industry, and a regulator with the U.S. Treasury Department’s Office of Thrift Supervision. His speaking credentials include the American Bankers Association Regulatory Compliance Conference, the Monetary Authority of Singapore's Fintech Festival, Money 2020, Finovate Europe, the U.S. Federal Trade Commission, and the Department of Homeland Security's annual AML conference.
Raul Vazquez is the CEO of Oportun, a high-growth, mission-driven Community Development Financial Institution (CDFI) and provider of inclusive, affordable financial services that empower people to build a better future. Based in Silicon Valley, Oportun serves individuals who other lenders consider “unscoreable” and has made over 3.2 million loans totaling over $7.3 billion across 12 states. Oportun’s customers have saved an estimated $1.5 billion in interest and fees compared to the alternatives typically available to them. Raul joined Oportun in 2012 after having held various senior leadership roles at Walmart, including EVP and President of Walmart West, President and CEO of Walmart.com, and EVP of Global eCommerce for developed markets. He is a board member of the National Association for Latino Community Asset Builders (NALCAB), and also serves on the Board of Directors of Intuit. Raul has previously served as a board member for Staples, as a member of the Consumer Financial Protection Bureau’s (CFPB) Consumer Advisory Board, and is the past of Chair of the Federal Reserve Board’s Community Advisory Council. Mr. Vazquez was named the EY Entrepreneur Of The Year® 2018 National Award winner in the Financial Services category. Under his leadership, Oportun was named by Time Magazine as a Genius Company in 2018 and recognized as one of 50 businesses inventing the future. Mr. Vazquez led Oportun through a successful IPO in September of 2019, and the company is listed on the Nasdaq Stock Market under the ticker symbol “OPRT.” Mr. Vazquez is a graduate of Stanford University with BS and MS degrees in industrial engineering and earned an MBA at the Wharton School of Business.
Colin Walsh is the CEO and co-founder of Varo Money, which is on track to become the first mobile-centric national bank in U.S. history. Colin founded Varo with a specific vision: to help millions of people improve their financial lives. Colin is uniquely positioned to lead the mobile bank revolution and has more than 25 years of experience in consumer banking at large global financial institutions. He led Europe’s largest credit and charge card business as an Executive Vice President at American Express. Colin also led the UK’s largest mortgage and savings businesses at Lloyds Banking Group, and served as Managing Director for the firm’s retail bancassurance, credit, debit and merchant acquiring businesses. Under Colin’s leadership and with an experienced team, Varo is building the best banking company in the country for consumers looking to build their financial health. The team recently launched No Fee Overdraft, the first-ever service of its kind to remove fees on overdrafts. Varo has raised $179M and serves more than 1 million registered customers across the country.
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