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.

who-we-are-img

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.

Learn more about Jo Ann Barefoot

who-we-are-img

David Ehrich

Co-Founder & Executive Director

David Ehrich is Co-founder and Executive Director of the Alliance for Innovative Regulation (AIR), a non-profit working at the intersection of technology, innovation and regulation, and is working toward a digitally native redesign of the regulatory system.

At AIR, David leads the creation of thought leadership, designs education programs for regulators on emerging technologies, and produces regulatory TechSprints as a tool to decrease the cycle time of innovation and help disparate stakeholders collaborate across sometimes siloed disciplines.

David has worked in banking and payments for over 20 years, including 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 was the National Lead for BankOn and 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 for 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 Consumer Advisory Board of the Consumer Financial Protection Bureau. David has an MBA from the Tuck School of Business at Dartmouth, and a BS from Cornell University.

Learn more about David Ehrich

who-we-are-img

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 ...

Learn more about Nick Cook

who-we-are-img

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.

Learn more about Kisha Perkins

who-we-are-img

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.

Learn more about Randy Repka

who-we-are-img

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 ...

Learn more about Lexi Frazier

who-we-are-img

Joe Adler

Head of Content

Joe leads AIR’s editorial processes. He writes and edits thought leadership materials such as white papers and articles, as well as content for the website and marketing. He collaborates with the Global Head of Communications in managing AIR’s brand awareness and public relations, and provides support for the organization’s digital content platforms. He also writes AIR’s weekly news feature, Seen & Heard. A journalist by training, Joe was previously Washington Bureau Chief of the American Banker, the preeminent daily news outlet focused on the U.S. financial services industry.

Learn more about Joe Adler

who-we-are-img

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.

Learn more about Shelley Anderson

who-we-are-img

Mesha Bailey

Events Strategist

Mesha plays a critical role in developing AIR’s events strategy. She helps lead the planning, logistics and execution of conferences, TechSprints, webinars, issue panels and other convenings that advance innovation initiatives. An experienced events organizer, Mesha has managed and marketed conferences for over six years, including in a previous role as project manager for the Financial Health Network. Consistent with AIR’s mission, Mesha is motivated to make a positive difference, and sees the big picture of how innovation in the regulatory sector impacts people served by ...

Learn more about Mesha Bailey

who-we-are-img

Ethan Bagley

Program Manager, TechSprints

Ethan joined AIR’s TechSprints team in late 2022. He works with a diverse group of partner organizations and other stakeholders to develop, launch and facilitate TechSprints and other innovation-focused programs. A mechanical engineer by training, Ethan combines objective, data-driven thinking with innovation management experience centered on human outcomes. Before joining AIR, he used hackathons, design thinking and other approaches to spur innovation initiatives at numerous private companies, including Constant Contact, AMICA Mutual Insurance and J.J. Keller ...

Learn more about Ethan Bagley

who-we-are-img

Sujit “Bob” Chakravorti

Crypto Lead

As Crypto Lead, Bob brings vast experience and knowledge dealing with both financial innovations and traditional finance to a wide array of AIR projects. He lends expertise to regulators and other policymakers on the impact of cryptoassets and blockchain technology on financial markets, provides support for crypto-related TechSprints and other initiatives, and advises financial sector clients from Visa to the World Bank to fintech startups through the consulting firm that he founded, Chakra Advisors LLC. Bob is a resource on key concepts, including tokenization, crypto miners’ impact ...

Learn more about Sujit “Bob” Chakravorti

who-we-are-img

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 ...

Learn more about Aye Diallo

who-we-are-img

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 ...

Learn more about Grace Mathebula

who-we-are-img

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 ...

Learn more about Joseph Schember

who-we-are-img

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 ...

Learn more about Katie Smith

who-we-are-img

Tracy A. Basinger

Former Head of Supervision, Federal Reserve Bank of San Francisco

who-we-are-img

Thomas J. Curry

Former Comptroller of the Currency, Former Partner at Nutter

Read Bio
who-we-are-img

Shamir Karkal

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

who-we-are-img

Kabir Kumar

Director at Flourish

Read Bio
who-we-are-img

Cantwell F. Muckenfuss III

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

Read Bio

who-we-are-img

John Beccia

Co-Founder and CEO of FS Vector

Read Bio
who-we-are-img

Richard Berner

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

Read Bio
who-we-are-img

Christopher Brummer

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

Read Bio
who-we-are-img

Jerry Buckley

Founding Partner of Buckley LLP

Read Bio
who-we-are-img

Agnes Bundy Scanlan

President of The Cambridge Group LLC

Read Bio
who-we-are-img

Andrew Burt

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

Read Bio
who-we-are-img

Fabrice E. Coles

Senior Manager, Global Public Policy, PayPal

Read Bio
who-we-are-img

Jotaka Eaddy

Founder and CEO of Full Circle Strategies, LLC

Read Bio
who-we-are-img

Judith Erwin

Former CEO, Grasshopper Bank

Read Bio
who-we-are-img

Amy Friend

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

Read Bio
who-we-are-img

Chris Giancarlo

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

Read Bio
who-we-are-img

Daniel Gorfine

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

Read Bio
who-we-are-img

Yvette Hollingsworth Clark

EVP and Chief Compliance Officer, State Street

Read Bio
who-we-are-img

Howell Jackson

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

Read Bio
who-we-are-img

Wendy Jephson

Co-Founder of LetsThink

Read Bio
who-we-are-img

Dan Kimerling

Founder and Managing Partner at Deciens Capital

Read Bio
who-we-are-img

Arjan Schutte

VC - Founder and Managing Partner, Core Innovation Capital

Read Bio
who-we-are-img

David Silberman

Senior Advisor, Financial Health Network

Read Bio
who-we-are-img

Laura Spiekerman

Co-founder and CRO at Alloy

Read Bio
who-we-are-img

Diana Taylor

Former Investment Banker

Read Bio
who-we-are-img

Matt Van Buskirk

Co-Founder and Co-CEO of Hummingbird Regtech

Read Bio
who-we-are-img

Raul Vazquez

CEO of Oportun

Read Bio
who-we-are-img

Colin Walsh

CEO and Co-founder of Varo Money

Read Bio

who-we-are-img

Carl Hoffman

CEO and Co-founder of Basis Technology

Read Bio
who-we-are-img

Josh Reich

Former founder and CEO of Simple.com

Read Bio
who-we-are-img

Kareem Saleh

Founder and CEO of FairPlay

Read Bio
who-we-are-img

David Schwartz

Chief Technology Officer at Ripple

Read Bio
who-we-are-img

Gary Shiffman

CEO of Giant Oak, Inc.

Read Bio
who-we-are-img

Minerva Tantoco

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

Read Bio
who-we-are-img

Matt Van Buskirk

Co-Founder and Co-CEO of Hummingbird Regtech

Read Bio

who-we-are-img

Douglas Arner

Kerry Holdings Professor in Law

Read Bio
who-we-are-img

F. Christopher Calabia

Chief Executive of the Dubai Financial Services Authority (DSFA)

Read Bio
who-we-are-img

Simone di Castri

Managing Director at RegTech for Regulators Accelerator (R2A)

Read Bio
who-we-are-img

Hubert Danso

CEO and Chairman of Africa investor (Ai)

Read Bio
who-we-are-img

Lesly Goh

Senior Technology Advisor for the World Bank

Read Bio
who-we-are-img

Paula Hunter

Executive Director for the Mojaloop Foundation

Read Bio
who-we-are-img

Mary Ellen Iskenderian

President and CEO of Women’s World Banking

Read Bio
who-we-are-img

Sopnendu Mohanty

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

Read Bio
who-we-are-img

Laura Clavijo Munoz

Head of Innovation at Colombia’s Financial Superintendency

Read Bio
who-we-are-img

Anju Patwardhan

Managing Partner at CreditEase Fintech VC Fund

Read Bio
who-we-are-img

Daniel M. Schydlowsky

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

Read Bio
who-we-are-img

Bob Trojan

Founder and CEO of Token Insights and Financial Services Insights

Read Bio
who-we-are-img

Anna Wallace

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

Read Bio
who-we-are-img

Deborah Young

Founding CEO of The RegTech Association

Read Bio

Get involved

Stay informed by joining our mailing list