Shena Ashley

At Capital One, Shena provides executive leadership across a broad group of capabilities and functions that help enterprise and external stakeholders advance products, policies, and programs that lead to better outcomes for consumers and communities. She oversees teams that span data analytics, survey research, and big data modeling to develop insights that are either applied and delivered through community programs, used by enterprise teams to inform their strategies and mission-focused activities, or through broadly published research findings to external audiences through the Capital One Insights Center. She also provides vision, energy, and leadership for the philanthropic programs that Capital One advances through strategic community investments.

An accomplished leader, educator, consultant, and researcher, Dr. Ashley has been quoted as an expert thought leader on issues related to economic prosperity, consumer financial wellbeing, philanthropy, and charitable giving in several national media outlets and has informed a range of national policy areas with data and insights.

Michael S. Barr

Michael S. Barr took office as a member of the Board of Governors of the Federal Reserve System on July 19, 2022, for an unexpired term ending January 31, 2032. Mr. Barr served as the Vice Chair for Supervision of the Board of Governors of the Federal Reserve System from July 19, 2022, to February 28, 2025.

Prior to his appointment to the Board, Mr. Barr was the Joan and Sanford Weill Dean of 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 founder and faculty director of the University of Michigan’s Center on Finance, Law & Policy. At the University of Michigan Law School, Mr. Barr taught financial regulation and international finance and co-founded the International Transactions Clinic and the Detroit Neighborhood Entrepreneurs Project.

Mr. Barr served as the U.S. Department of the Treasury’s assistant secretary for financial institutions, 2009-2010. Under President William J. Clinton, he served as the Treasury Secretary’s special assistant, as deputy assistant secretary of the Treasury, as special adviser to the President, and as a special adviser and counselor on the policy planning staff at the U.S. Department of State.

Additionally, Mr. Barr served as a law clerk to U.S. Supreme Court Justice David H. Souter during October Term 1993, and previously to the Honorable Pierre N. Leval, then of the Southern District of New York.

Mr. Barr received a BA in history from Yale University, an MPhil in international relations from Oxford University, and a JD from Yale Law School.

Richard Bynum

Richard K. Bynum is chief corporate responsibility officer for The PNC Financial Services Group, Inc., and a member of its Executive Committee. In this role, he leads the PNC Foundation; Community Affairs; Responsible Business Strategies; and Community Development Banking. In addition, Bynum is leading the implementation of PNC’s Community Benefits Plan through which the company will provide at least $88 billion in loans, investments, and other financial support to benefit communities of color and low- and moderate-income individuals and communities, people as well as other underserved individuals and communities over the Plan Period, a 4-year period from Jan. 1, 2022, through Dec. 31, 2025.

Bynum is an accomplished executive with nearly 20 years of executive leadership experience. Prior to being named to his new role in July 2020, Bynum served as regional president for PNC’s Greater Washington market from 2017-2020. He previously served as a member of PNC’s retail executive leadership team, where he led the Business Banking division. Prior to that, he served as the Greater Washington retail market executive from 2010-2014, where he led consumer and small business sales. In addition, he served as chief operating officer for Business Banking, where he led the sales force operating platform for hundreds of small business bankers across PNC’s footprint. 

Bynum began his career with PNC in 2005 in its Executive Leadership Program, holding key roles in the development and execution of revenue-driving businesses and initiatives; strengthening the brand; and enhancing engagement of employees while fostering innovation throughout PNC.

Prior to joining PNC, Bynum had a 12-year career as a senior manager for the American Red Cross. His last role with the organization was as the managing director for disaster response & emergency communications at the Chicago chapter. During his career, he was an operations director for the Kosovo Refugee Operation as well as the September 11th effort in New York.

Bynum, recognized as one of Washington, D.C.’s, most influential business leaders by the Washington Business Journal, serves on the boards of numerous non-profit and civic organizations, including the corporate council for the Smithsonian National Museum of African American History & Culture; the Economic Club of Washington, D.C.; the Wolf Trap National Park for the Performing Arts; the Federal City Council; the United Way of the National Capital Area; the Greater Washington Community Foundation, and the Virginia Early Childhood Foundation.

Bynum holds an MBA from the Kellogg School of Management at the Northwestern University and an undergraduate degree in Political Science from Florida State University.  He also is a graduate of the Consumers Bankers Association Graduate School of Retail Bank Management.

John Collison

John Collison is co-founder and president of Stripe, a technology company that builds financial infrastructure for the internet. John and his brother, Patrick, started Stripe in 2010 while John was studying physics at Harvard. Their goal was to make accepting payments online simpler. Today, millions of businesses from startups to global enterprises use Stripe to accept payments and manage complex businesses online. Originally from Limerick, Ireland, John splits his time between San Francisco and Dublin.

Raj Date

Raj Date is an American venture capital investor and philanthropist based in Washington, DC and Colorado Springs, Colorado. Date is the Managing Partner of Fenway Summer LLC, an advisory and venture investment firm focused on financial services, and the Trustee of the Fenway Summer Charitable Trust. Date is co-founder of FS Vector, an advisory firm providing counsel to financial services companies on regulatory strategy, compliance, and public policy. Date also serves on the Board of Directors for several innovative firms, including as the lead independent director of Circle, the global digital asset infrastructure pioneer.

Date was the first-ever Deputy Director of the U.S. Consumer Financial Protection Bureau (CFPB). As the Bureau’s second-ranking official, Date helped steward the CFPB’s strategy, operations, and policy agenda, and served as Special Advisor to the Secretary of the Treasury.

Date entered public policy from the private sector. He was a Managing Director at Deutsche Bank Securities, where he led the firm’s investment banking coverage for the largest American banks. Prior to Deutsche Bank, Date served as Senior Vice President for Corporate Strategy and Development at Capital One Financial. Date began his business career in the financial institutions practice of the global consulting firm McKinsey & Company.

Raj Date is a graduate of the College of Engineering at U.C. Berkeley and Harvard Law School.

Timothy Flacke

Timothy Flacke is Co-Founder and CEO of Commonwealth, the national nonprofit organization that builds financial security and opportunity for people living on lowand-moderate incomes through innovation and partnerships. Serving on the organization’s board of directors since Commonwealth’s founding in 2001, Timothy brings 30 years of social, public, and private sector experience to his outcomefocused work.

Under Timothy’s leadership, Commonwealth has helped shape the financial services, workplace, and federal tax systems to better serve people living with financial insecurity. Collaborating with leading corporations, policymakers, fintech entrepreneurs, and community advocates – including JPMorganChase, Walmart, ADP, BlackRock, Best Buy, Truist Financial, UPS, and more – Timothy and Commonwealth have advanced creative solutions for financial security, helped bring new savings and financial resilience tools to market, and changed enabling federal and state policy. He holds a Master’s in Public Policy degree from the Kennedy School of Government at Harvard University and a Bachelor of Arts in Philosophy from Boston College.

Michael S. Barr

Michael S. Barr took office as a member of the Board of Governors of the Federal Reserve System on July 19, 2022, for an unexpired term ending January 31, 2032. Mr. Barr served as the Vice Chair for Supervision of the Board of Governors of the Federal Reserve System from July 19, 2022, to February 28, 2025.

Prior to his appointment to the Board, Mr. Barr was the Joan and Sanford Weill Dean of 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 founder and faculty director of the University of Michigan’s Center on Finance, Law & Policy. At the University of Michigan Law School, Mr. Barr taught financial regulation and international finance and co-founded the International Transactions Clinic and the Detroit Neighborhood Entrepreneurs Project.

Mr. Barr served as the U.S. Department of the Treasury’s assistant secretary for financial institutions, 2009-2010. Under President William J. Clinton, he served as the Treasury Secretary’s special assistant, as deputy assistant secretary of the Treasury, as special adviser to the President, and as a special adviser and counselor on the policy planning staff at the U.S. Department of State.

Additionally, Mr. Barr served as a law clerk to U.S. Supreme Court Justice David H. Souter during October Term 1993, and previously to the Honorable Pierre N. Leval, then of the Southern District of New York.

Mr. Barr received a BA in history from Yale University, an MPhil in international relations from Oxford University, and a JD from Yale Law School.

Delicia Hand

Delicia Reynolds Hand serves as Senior Director, Digital Marketplace at Consumer Reports. She leads the development of reliable and iterative testing frameworks, standards, and policies for the digital marketplace to shape the code for social good innovation. Her work encompasses critical emerging areas including agentic AI systems and governance frameworks for autonomous technologies in consumer contexts. This effort builds on her work launching a digital finance testing and ratings program as CR’s Director of Financial Fairness. Her career in public service includes ten years at the Consumer Financial Protection Bureau (CFPB) in various roles, Legislative Director at the National Association of Consumer Advocates, General Counsel at the Center for Community Change and Center for Community Change Action, and Senior Counsel in the office of U.S. Rep. John Sarbanes of Maryland.

Teresa Heitsenrether

Teresa Heitsenrether is the Chief Data & Analytics Officer and a member of JPMorganChase’s Operating Committee. Leading the Data & Analytics organization, she is responsible for setting data and analytics strategy and governance standards, as well as driving firmwide adoption of artificial intelligence to develop new products, enhance productivity, and improve risk management.

Heitsenrether has spent her entire career with JPMorganChase. From 2015 to 2023, she was Global Head of Securities Services, overseeing a business responsible for safekeeping, accounting, administration, and data solutions for institutional investment managers. Under her leadership, the business achieved remarkable growth, increasing revenue by over 22% and assets under custody by nearly $9 trillion. It also launched Fusion, a scalable data platform for institutional investors.

Prior to that, Heitsenrether held various leadership roles within JPMorganChase, including Global Head of Prime Brokerage, where she spearheaded international expansion and growth. She has been recognized as one of American Banker’s Most Powerful Women in Finance and named to Barron’s list of the 100 Most Influential Women in U.S. Finance. 

Heitsenrether holds a Bachelor of Science in Finance from Fordham University and a Master of Business Administration from New York University. She serves on the Advisory Board of Fordham’s Gabelli School of Business and is actively involved in JPMorganChase’s Women on the Move initiative and the NextGen Business Resource Group.

Ben Hoffman

Ben Hoffman serves as chief strategy officer and head of consumer products at Fifth Third Bank, N.A. As strategy officer, he oversees strategic planning, governance and strategic risk management. As head of consumer products, he is responsible for deposits, credit cards, unsecured lending, product and marketing analytics, and the online and mobile experiences for Fifth Third’s consumer and small business clients. 

Ben joined the Bank in March 2016 as head of corporate strategy, fintech, customer experience and digital lending. Before that, Ben spent over a decade in consulting as a partner in the financial services practice at Oliver Wyman. There, he advised leading banks and other financial institutions both in the U.S. and globally. Ben earned a bachelor’s degree in economics from Harvard University.Ben serves as a director for PayCo Inc., a payment-system infrastructure formed by The Clearing House that operates an electronic check clearing and settlement system, a clearing house and a wholesale funds transfer system. 

He’s also a member of the Plaid Industry Advisory Board and of the Entrepreneurship Program Advisory Board at Miami University’s Farmer School of Business. Ben has written on behalf of Oliver Wyman and the World Economic Forum, chaired the American Banker Marketplace Lending & Investing conference. He also sits on the board of the Santi School Project, a nonprofit dedicated to giving girls and disadvantaged ethnic minorities in Nepal access to quality education. Along with his wife and two children, Ben lives in Cincinnati and is enjoying his return to suburban living, even as he maintains his passion for international football and world travel

Nadim Homsany

Nadim Homsany is the Senior Vice President, Head of AI Strategy and Innovation at BECU. He leads a team of experienced product managers and engineers focused on innovation and AI-assisted financial tools for BECU members and employees.

Nadim’s upbringing instilled in him a passion for using technology to help people build financial resilience and independence. He’s the son of immigrants who arrived in the US with virtually nothing. At nine years old he started coding and built his first BBS off a 2400 baud modem.

Prior to joining BECU, Nadim, driven by his curiosity, passion and experience, started EarnUp in 2013 with his co-founder Matthew Cooper. The goal was to help the over 200 million Americans in debt get out of it faster through intelligent loan payment automation.

He also worked at Serent Capital, a $1B+ private equity firm, focused on tech-enabled services. Nadim previously led investments with NCB Capital, a $12B asset manager and worked at McKinsey & Company, advising technology companies and large banks. He also practiced IP and technology law at Kirkland & Ellis. He holds a J.D. from Harvard Law School and graduated with the highest honors from Rutgers University.

Nadim currently lives in Colorado with his wife and two kids. Find him on LinkedIn: https://www.linkedin.com/in/nhomsany/

Melissa Koide

Prior to establishing FinRegLab, Melissa served almost five years as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy. In that role, Melissa led the work to create the agency’s consumer policy positions and research on how banks and nonbanks were leveraging data and technology to improve consumers’ financial access and well-being. Melissa also helped to establish the myRA, a government offered preretirement savings account. She has testified repeatedly before the Senate Banking and House Financial Services Committees and spoken widely to policy, industry, and consumer-advocacy audiences. Melissa currently serves on the New York Fed’s Innovation Council, FINRA’s Fintech Industry Committee, and the New York State Department of Financial Services’ Financial Innovation Advisory Board.

Kabir Kumar

Kabir is part of the founding team at Flourish. He has close to 20 years of experience in the financial sector spanning both emerging markets and the US. He leads global ecosystem efforts and makes investments in the US and emerging markets. He is passionate about supporting early-stage entrepreneurs who want to fundamentally transform the financial sector and improve people’s economic outlook.

Previously, while at Omidyar Network, Kabir leveraged his deep expertise in emerging markets to develop a portfolio of investments focused on regtech and banking technology. He invested in startups in frontier markets in South Asia as well as deepened the firm’s policy and ecosystem networks globally seeding a number of new non-profits.

Prior to Omidyar Network, he cofounded a program housed at the World Bank that laid the foundations for the first generation of mobile-first fintech in emerging markets. Kabir has worked in more than 15 countries in Asia, Africa, and Latin America. In India, he served as an advisor to the Indian government and as a collaborator on a number of efforts to develop a new digital, public-good infrastructure in the country.

Kabir received his Master’s degree from the Maxwell School of Citizenship and Public Affairs at Syracuse University and B.A. degree in Economics from Gettysburg College. Born and raised in Mumbai, India, Kabir currently lives outside Washington DC with his wife and two children.

Max Levchin

Max Levchin is the Founder & CEO of Affirm, a financial services technology company. He is also the co-founder and Chairman of Glow, a data-driven fertility company, and co-founder and general partner at SciFi VC, a private venture capital firm. All three companies were created and launched from his San Francisco based innovation lab, HVF (Hard, Valuable, Fun). Max was one of the original co-founders of PayPal where he served as the CTO until its acquisition by eBay in 2002.

In 2004, he founded Slide, a personal media-sharing service, which he sold to Google in August 2010. Also in 2004, he helped start Yelp, where he was the company’s first investor and Chairman of the Board until 2015. He has served on several boards such as Yahoo!, Yelp, and Evernote. Max is a serial entrepreneur, computer scientist, philanthropist, and active investor in more than 100 startups. 

Sigal Mandelker

Sigal Mandelker joined Ribbit Capital in April 2020. Ribbit is a global investment firm that partners with visionary entrepreneurs revolutionizing traditional markets.

Prior to Ribbit, Sigal served as Acting Deputy Secretary of the U.S. Treasury Department and as Under Secretary for Terrorism and Financial Intelligence.  As Under Secretary, Sigal supervised four main components of Treasury (OFAC, FinCEN, the Office of Intelligence and Analysis, and the Office of Terrorist Financing and Financial Crimes).  Sigal previously served in a number of senior positions in the U.S. government, including as Deputy Assistant Attorney General in the Justice Department, an AUSA in the U.S. Attorney’s Office for the Southern District of New York, Counselor to Secretary of Homeland Security Michael Chertoff, Counsel to the Deputy Attorney General, and as a law clerk on the U.S. Supreme Court. Sigal is also an Advisor to Chainalysis, sits on the Boards of the Financial Technology Association, the Crypto-ISAC, and the Blockchain Security Standards Council. She also served as Co-Chair of the Center for a New American Security’s (CNAS) task force on FinTech, Crypto, and National Security, and is also a Member of the Council on Foreign Relations. She served as a Member of the US Holocaust Memorial Museum Council, served on the Museum’s Executive Committee, as well as Chair of the Museum’s Collections & Acquisitions Committee.

Prem Natarajan

Prem is Executive Vice President, Chief Scientist and Head of Enterprise AI at Capital One. He leads the technology strategy, architecture, research, and development for all AI initiatives as well as all data technologies at Capital One.

Prior to joining Capital One, Prem was VP of Amazon’s Alexa AI organization and was EVP of Speech, Language, and Multimedia at Raytheon BBN Technologies. 

Prem has also served as the Senior Vice Dean of Engineering in the USC Viterbi School and Executive Director of the Information Science Institute. He sits on the boards of the Partnership on AI and the University of Virginia School of Data Science, as well as the Columbia University Engineering Board of Visitors. He is a Fellow of the Institute of Electrical and Electronics Engineers, and is the author and co-author of more than 200 published papers in AI research.

Leigh Phillips

Leigh Phillips is the President and CEO of SaverLife, a national nonprofit using technology and data to improve the financial health of low- to moderate-income households. Over 700,000 low- to moderate-income Americans have joined SaverLife, setting aside almost $1 billion in savings. She previously led the San Francisco Office of Financial Empowerment, where she launched Bank On San Francisco and Kindergarten to College. Leigh co-founded the Cities for Financial Empowerment Coalition, serves on the CFE Fund board, and has held community advisory roles with the FDIC and CFPB. Originally from the UK, she holds degrees from the University of Manchester and lives in the Washington, D.C. area.

Soups Ranjan

Soups Ranjan is the CEO and co-founder of Sardine, a behavior-based fraud prevention platform that uses machine learning and AI to stop scams, safeguard payments, and automate KYC/AML compliance.

Prior to Sardine, Soups was the Head of Financial Crime at Revolut and the Head of Risk at Coinbase. He holds a PhD in Electrical and Computer Engineering from Rice University, where his thesis was on scaling web services to handle cyber threats and Denial-of-Service (DoS) attacks.

Drawing on his expertise using machine learning to fight fraud over the past 15 years, Soups founded Sardine to build the smartest platform for financial crime prevention. Sardine has emerged as a leader in fraud and compliance with over 250 global enterprise customers and world-class investors like Andreessen Horowitz, Visa, Experian, and FIS.

Senator Mike Rounds

On January 6th, 2015, Senator Marion Michael “Mike” Rounds was sworn into the United States Senate. Senator Rounds serves on five committees: Senate Appropriations; Senate Armed Services; Banking, Housing and Urban Affairs; Indian Affairs; and the Select Committee on Intelligence.

Rounds previously served as the 31st governor of South Dakota from 2003 – 2011. From 1991 to 2000, he was elected five times to the South Dakota State Senate. In 1995, his colleagues selected him to serve asSenate Majority Leader, a position that he held for six years. During his time in state government, Rounds was committed to growing the economy, keeping taxes low and strengthening South Dakota families.

A lifelong South Dakotan, Senator Rounds was born in Huron, the eldest of 11 children. He earned a bachelor’s degree in political science from South Dakota State University. In the private sector, Rounds built a successful insurance and real estate business with offices throughout the state. He resides in Fort Pierre and is the proud parent of four grown children and 11 grandchildren.

Dan Klein

Dan Klein is a Professor of AI at UC Berkeley and CTO/Cofounder at Scaled Cognition, a model lab dedicated to trustable, controllable LLMs. His research focuses on making AI/NLP systems reliable, truthful, and safe, particularly in decision-theoretic contexts where systems must act pursuant to goals while complying with restrictions such as regulated policies.

Dan’s academic honors include the ACM Grace Murray Hopper Award, the Sloan Fellowship, the Microsoft Faculty Fellowship, the Berkeley Distinguished Teaching Award, and others.  As an entrepreneur, Dan founded two successful startups prior to Scaled Cognition. The first was adap.tv, an early leader in applying machine learning to advertising, acquired by AOL. Dan went on to co-found Semantic Machines, where he assembled and led an extraordinary group of researchers on advancements in action-taking neural models and program synthesis. After the acquisition by Microsoft, Dan was appointed a Technical Fellow for AI, where he made major contributions to Microsoft’s work in AI for language interfaces.

Kelly Shaw

Kelly Shaw currently leads Synchrony Ventures, the CVC arm of Synchrony Financial. In her role, Kelly is responsible for Synchrony’s ventures investing, portfolio management and ecosystem development.

Prior to Synchrony, Kelly was a Partner at Vestigo Ventures, leading and managing early-stage investments across Fintech and Insurtech. Kelly also has firsthand entrepreneurial experience as a co-founder of AlmaPact (now dba as Clasp), which aims to improve student access to education.

Kelly began her career in Venture Capital as a member of the Synchrony Corporate Development team. Prior to Synchrony, Kelly was part of the GE Capital M&A team responsible for the strategy and execution of GE Capital’s divestiture actions. Her early career included roles in Financial Services in both Europe and the United States following her completion of GE’s Financial Management Program.

Kelly holds an MBA from Harvard Business School and graduated Summa Cum Laude from the College of the Holy Cross, majoring in Economics and Spanish. She lives near Boston, MA. As a former track-athlete, Kelly can often be found running along the Charles River.

Clarence Wardell III, Ph.D.

Dr. Clarence Wardell III is the Vice President of Programs for NextLadder Ventures, a newly created fund that seeks to ensure that AI and other technologies are leveraged to support those seeking economic security and long-term economic mobility.

Most recently, Clarence served as Deputy Director at the Gates Foundation, leading a team that advanced innovation and technology development to improve economic outcomes for individuals in the U.S. with low incomes. Before joining the foundation in 2023, he held senior positions on the Biden-Harris transition team and in the White House, including Senior Advisor for Policy Implementation and Delivery on the White House Domestic Policy Council and Chief Data and Equity Officer on the American Rescue Plan Team.

Clarence has extensive experience scaling evidence-based solutions across government levels, including  service in the Obama Administration. He co-led the White House Police Data Initiative as a Presidential Innovation Fellow and U.S. Digital Service member, earning recognition as one of Fast Company’s Most Creative People in Business in 2017. His career also includes roles at Results for America and CNA Corporation.

In 2012, Clarence co-founded tinyGive, a social media-based charitable giving platform later acquired by GiveLively.

Clarence holds a Ph.D. in Industrial and Systems Engineering from Georgia Institute of Technology and a B.S.E. in Computer Engineering from the University of Michigan.

Mark Zandi

Mark Zandi is chief economist of Moody’s Analytics, where he directs economic research. Zandi cofounded Economy.com, which Moody’s purchased in 2005. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, is the lead director of PolicyMap, a data visualization and analytics company, and is a director of the Coleridge Initiative, a nonprofit that facilitates the exchange of data across governments. He testifies before Congress and conducts regular briefings for corporate boards, trade associations, and policymakers. He is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which assesses the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by The New York Times as the “clearest guide” to the financial crisis. Zandi is host of the Inside Economics podcast.

Sharda Caro Del Castillo

Sharda Caro Del Castillo is Chief Legal & Business Officer at Catena Labs and a fintech and policy leader who has shaped the regulatory and operational foundations of some of the world’s most influential technology and financial platforms. She has led legal, compliance, and business operations at Affirm, Airbnb, Square, and PayPal—developing frameworks for breakthrough products like Affirm’s Pay in Four and guiding initiatives such as Airbnb’s expansion into Cuba. At Catena Labs, Caro Del Castillo is designing the legal, compliance, and business architecture for a regulated financial institution built for stablecoins and agentic commerce.

Viviane Eide

Viviane is a UX Research Leader at Google, bringing over 15 years of experience in strategically shaping cutting-edge technologies like automated driving, augmented reality, and advanced AI solutions across both the tech and automotive sectors. Currently, as UXR Lead for Agentic Payments, Ms. Eide is spearheading extensive research initiatives to understand consumer and merchant attitudes towards agentic commerce.

Miriam Vogel

Miriam Vogel is President and CEO of EqualAI, a nonprofit advancing AI governance and literacy, and co-author of Governing the Machine: How to Navigate the Risks of AI and Unlock Its True Potential. She served as inaugural chair of the congressionally established National AI Advisory Committee and hosts the In AI We Trust? Podcast. Miriam has taught tech policy at Georgetown Law, where she serves on the Board of Visitors, and is a member of the Council on Foreign Relations and a senior advisor to the Center for Democracy and Technology. Miriam was named Forbes 50 over 50 (2025) and Washingtonian Tech Titan (2023-2025).

Miriam’s new book can be found and purchased at these links:

(Amazon): https://www.amazon.com/Governing-Machine-navigate-unlock-potential/dp/139942629X
(Barnes & Noble): https://www.barnesandnoble.com/w/governing-the-machine-ray-eitel-porter/1147717871?ean=9781399426299“

Stephanie Wake

Stephanie Wake is Head of Citi’s new Agentic AI Center of Excellence, responsible for enhancing Citi’s governance frameworks to prepare for a future of multiple, orchestrated AI agents. Stephanie also leads emerging technology public policy advocacy within Citi’s Office of the Chief Technology Officer. In this role, she interfaces with regulators and policymakers around the world on artificial intelligence, digital assets, DLT and other forward domains to shape a regulatory environment that enables Citi to effectively innovate.

Prior to joining Citi, Stephanie led artificial intelligence and open banking advocacy at the Bank Policy Institute and managed evaluation teams at the Federal Reserve Board’s Office of Inspector General. Stephanie holds a master’s degree in public policy from Georgetown University and a bachelor’s degree in international business from Washington University in St. Louis. She lives in the Washington, DC area with her husband and two children.

Hans Morris

Hans Morris is managing partner of Nyca Partners, a fintech VC in New York and San Francisco founded in 2014. Nyca has over 80 active investments, and is currently investing from its fourth fund. He is the chairman of the board of Lending Club, and a board member of several private companies, including Thought Machine, SentiLink, Sympera, and Propel.

From 2010 to 2014 he was a managing director at General Atlantic, a global growth equity firm. From 2007 until 2010 he served as president of Visa Inc., and from 1980 until 2007, he worked at Citigroup in several operating and management roles, including CFO and head of finance, technology, and operations for Citi’s institutional businesses, COO of the investment bank, and head of the financial services group at Salomon Smith Barney.

He is a trustee of the Public Theater in New York and a former chairman of the boards of MASS MoCA and the Hopkins Center for the Arts at Dartmouth. He graduated from Dartmouth College.

Ren Zhang

Ren Zhang is VP and Global Head of Product AI at PayPal, leading AI strategy to enhance and innovate across all PayPal products. She brings deep expertise in AI transformation in consulting, financial service and e-commerce. Before PayPal, she was Managing Director at Accenture, Global head of Industry Agentic Solutions. At Amazon, she drove personalized shopping experiences and built foundational behavior models as an Applied Science Director. She has held senior AI roles in financial sector, including Chief Data Scientist at BMO Financial and executive positions at Prudential and Commonwealth Bank of Australia. Ren began her career at American Express, progressing through senior risk and information management roles. She holds a PhD in Statistics from the Wharton School at the University of Pennsylvania.

Lakhbir Lamba

Lakhbir Lamba is serving as the President and Chief Executive Officer and as a director of Regional Management Corp. (NYSE: RM) since November 2025. Mr. Lamba has nearly 30 years of leadership experience in consumer lending and financial services,  with extensive expertise in consumer credit, digital and technology platform development, branch sales and service, data, analytics, and product management. 

Most recently, he was Executive Vice President, Head of Consumer Lending & Analytics at PNC Financial Services Group, Inc., where he oversaw a team of 2,000 employees and managed the division’s portfolio of $32 billion in total assets. Mr. Lamba spent more than 15 years with PNC, including as its EVP of Retail Lending and EVP of Analytics and Portfolio Management. 

He is a Chartered Financial Analyst and a member of the CFA Institute. He received his Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology in New Delhi and his MBA in Finance and Strategy from Purdue University’s  Krannert Graduate School of Management. He has also served on the Board of Second Avenue Commons in Pittsburgh.

Hui Zhu

Hui Zhu serves as Vice President of North America Product and Solutions at Visa, where she is responsible for bringing new and emerging consumer payment solutions to the North American market. Hui oversees a team of solution and deployment managers responsible for market research, solution prototyping and client pilots. This work ensures that new products are tailored to market needs, with a focus on areas such as authentication, BNPL, e-commerce and fraud prevention.

Before joining Visa, Hui held business and product development roles at American Express. Hui holds an MBA from the University of Chicago Booth School of Business and a bachelor’s degree from the University of Pennsylvania.

Sharda Caro Del Castillo

Sharda Caro Del Castillo is Chief Legal & Business Officer at Catena Labs and a fintech and policy leader who has shaped the regulatory and operational foundations of some of the world’s most influential technology and financial platforms. She has led legal, compliance, and business operations at Affirm, Airbnb, Square, and PayPal—developing frameworks for breakthrough products like Affirm’s Pay in Four and guiding initiatives such as Airbnb’s expansion into Cuba. At Catena Labs, Caro Del Castillo is designing the legal, compliance, and business architecture for a regulated financial institution built for stablecoins and agentic commerce.