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 & 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, recognized as a senior leader on the Women in FinTech Powerlist 2021 by Innovate Finance, 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 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.

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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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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

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

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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F. Christopher Calabia

Chief Executive of the Dubai Financial Services Authority (DSFA)

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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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