U.S. Department of the Treasury

On January 26, 2021, Janet Yellen was sworn in as the 78th Secretary of the Treasury of the United States. An economist by training, she took office after almost fifty years in academia and public service. She is the first person in American history to have led the White House Council of Economic Advisors, the Federal Reserve, and the Treasury Department.

Janet Louise Yellen was born in Bay Ridge, Brooklyn in 1946. Her mother, Anna Ruth, was an elementary school teacher while her father, Julius, worked as a family physician, treating patients out of the ground floor of the family’s brownstone. 

In 1967, Secretary Yellen graduated from Brown University and went on to earn her PhD at Yale.  She was an assistant professor at Harvard until 1976 when she began working at the Federal Reserve Board. There, in the Fed’s cafeteria, she met fellow economist, George Akerlof. Janet and George would marry later that year. They would go on to have a son, Robert, now also an economics professor. 

In 1980, Secretary Yellen joined the faculty of the University of California at Berkeley, where she became the Eugene E. and Catherine M. Trefethen Professor of Business and Professor of Economics. She is Professor Emeritus at the university. 
Secretary Yellen’s scholarship has focused on a range of issues pertaining to labor and macroeconomics. Her work on “efficiency wages” with her husband George Akerlof studied why firms often choose to pay more than the minimum needed to hire employees. These businesses, they found, are often making a wise decision.  Firms that offer better pay and working conditions tend to be rewarded with higher morale, reduced turnover and greater productivity.  
In 1994, President Bill Clinton appointed then-Dr. Yellen to the Federal Reserve Board of Governors. Three years later, he named her Chair of the White House Council of Economic Advisers.

In 2004, Secretary Yellen began her third tenure at the Federal Reserve, this time as President of the Federal Reserve Bank of San Francisco. From that post, she spotted a worrying economic trend – a bubble in home values. When the housing bubble popped in 2008, Secretary Yellen helped manage the resulting financial crisis and recession. In 2010, President Barack Obama, appointed her Vice Chair of the Federal Reserve, before nominating her to succeed Fed Chair Benjamin Bernanke as the nation’s top central banker. Secretary Yellen would serve as Chair of the Federal Reserve from 2014 until 2018.

On December 1, 2020, then-President-elect Biden nominated Dr. Janet Yellen to the post of Treasury Secretary. “She has spent her career focused on unemployment and the dignity of work,” he said, “She understands what it means to people and their communities when they have good, decent jobs.”

Prior to serving at the Treasury Department, Secretary Yellen was a Distinguished Fellow in Residence with the Economic Studies Program at the Brookings Institution.  During 2020-2021 she served as President of the American Economic Association.  She is a member of the American Academy of Arts and Sciences and the Council on Foreign Relations.  She was also a founding member of the Climate Leadership Council. 

Secretary Yellen has served on the advisory boards of the Bloomberg New Economic Forum, the Committee for a Responsible Federal Budget and Fix the Debt Coalition (CRFB), and the Washington Center for Equitable Growth Steering Committee.  She was elected to the Yale Corporation as an alumni fellow in 2000, serving until 2006.

Dr. Yellen has received honorary doctorates from Bard College, Brown, the London School of Economics, NYU, the University of Baltimore, the University of Michigan, the University of Warwick and Yale from which she also received the Wilbur Cross Medal for distinguished achievements in scholarship, teaching, academic administration, and public service.

Michael J. Hsu is the Acting Comptroller of the Currency and serves as the administrator of the federal banking system and chief executive officer of the Office of the Comptroller of the Currency. The OCC ensures the U.S. federal banking system operates in a safe and sound manner, provides fair access to financial services, treats customers fairly, and complies with applicable laws and regulations.

As Acting Comptroller, he also serves as a Director of the Federal Deposit Insurance Corporation and is a member of the Financial Stability Oversight Council and the Federal Financial Institutions Examination Council.

Prior to joining the OCC, he served as an Associate Director in the Division of Supervision and Regulation at the Federal Reserve Board of Governors. In that role, he chaired the Large Institution Supervision Coordinating Committee Operating Committee, which has responsibility for supervising the global systemically important banking companies operating in the United States. He also co-chaired the Federal Reserve’s Systemic Risk Integration Forum, served as a member of the Basel Committee Risk and Vulnerabilities Group. His career has also included serving as a Financial Sector Expert at the International Monetary Fund, and as a financial economist at the U.S. Department of the Treasury helping to establish the Troubled Assets Relief Program, and the Securities and Exchange Commission overseeing the largest securities firms.

Mr. Hsu holds a bachelor of arts from Brown University, a master of science in finance from George Washington University, and juris doctor degree from New York University School of Law.

Scott A. White was appointed Commissioner of Insurance of the Virginia State Corporation Commission’s Bureau of Insurance in 2018. He was elected NAIC Vice President in December 2023.

White joined the Bureau as a research analyst in 1998. From 1999 until 2011, he worked as an attorney advising the Bureau on all major insurance regulatory and compliance matters. In 2011 he became head of the Commission’s financial services legal division, expanding his practice areas to include securities and banking.

White has chaired the Financial Condition (E) Committee, the Long-Term Care Insurance (EX) Task Force, and the Southeast Zone. He currently serves as a member of the IAIS Executive and Macroprudential Committees.

White received a Bachelor of Arts degree from the University of Virginia and a law degree from the University of Missouri. He and his wife, Jodi, have two grown daughters.

Professor Hilary J. Allen is a Professor of Law at the American University Washington College of Law.  She is an internationally recognized expert on financial stability regulation and new financial technologies, including smart contacts and artificial intelligence,  and has been invited to share her research and expertise with central banks and financial regulatory agencies in the US, Europe, and Australasia, as well as with international bodies including the IMF, IOSCO, G20, BIS, and Financial Stability Board.  She has testified before the House Financial Services Committee and the Senate Banking Committee, and is the author of the book Driverless Finance: Fintech’s Impact on Financial Stability.  Professor Allen has authored more than twenty law review articles and is regularly quoted in the popular press.

Professor Allen received her Bachelor of Laws from the University of Sydney, Australia, and her Master of Laws in Securities and Financial Regulation Law from Georgetown University Law Center.  Prior to entering the academy, Professor Allen spent seven years working in the financial services groups of prominent law firms in London, Sydney, and New York.  In 2010, she worked with the Financial Crisis Inquiry Commission, which was appointed by Congress to study the causes of the financial crisis of 2007-2008.

Susan L. Baker joined the Federal Deposit Insurance Corporation in January 2018 as the Deputy Director of the Office of Complex Financial Institutions (OCFI) responsible for international planning and outreach. She provided strategic leadership to OCFI’s cross-border engagement and represented the FDIC in a range of international endeavors from firm-specific crisis management groups, to bilateral policy dialogues with the European Union and United Kingdom, to multilateral policy discussions in the Financial Stability Board (FSB) Resolution Steering Group. In 2020, she was became a senior advisor in the Systemic Risk Branch of the newly-established Division of Complex Institution Supervision and Resolution, where she works on a range of interagency and international policy and strategy issues, and coordinates the FDIC’s participation in the Financial Stability Oversight Council.

Previously, Susan worked at the U.S. Treasury Department, including serving four years as the Director of the Office of International Banking and Securities Markets, leading the team covering international aspects of U.S. regulatory reform, multilateral financial regulatory issues, and various bilateral regulatory dialogues. Susan represented Treasury in a number of international venues, including the FSB committees covering financial sector vulnerabilities, resolution policy, and standards implementation. Susan was the overall U.S. coordinator for the IMF’s 2015 Financial Sector Assessment Program (FSAP). She also represented Treasury as Attaché for Europe (based in Brussels) and Southeast Asia (based in Singapore), and worked on various policy issues including: bank capital; derivatives and central clearing; and corporate governance.

Susan’s interest in banking crises and resolution stems from her five years in Indonesia working as a sell-side banks analyst and policy advisor during the Asian Financial Crisis. She also spent five years on the buy side, helping manage a $1.4-1.6 billion growth-oriented international equities portfolio.

Susan has a master's degree in public policy from Harvard and a bachelor's degree in foreign service from Georgetown University.

Jo Ann Barefoot is CEO & Co-founder of the Alliance for Innovative Regulation (AIR), a nonprofit organization working globally to promote a more fair, inclusive and resilient financial system by helping adapt financial regulation for the digital age. She hosts the global podcast show Barefoot Innovation and 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 a staff member at the U.S. Senate Banking Committee.

Jo Ann currently serves on the boards of Oportun, FinRegLab, and Elevandi, a nonprofit created by the Monetary Authority of Singapore. She is a member of advisory bodies for FINRA, the Milken Institute, and the California Blockchain Working Group. She was formerly on the board of the National Foundation for Credit Counseling, chaired the board of the Financial Health Network and served on the CFPB’s inaugural Consumer Advisory Board. She co-founded the regtech firm, Hummingbird.

In 2024, Jo Ann was the first non-lawyer recipient of the Proxmire Award. In 2023, American Banker named Jo Ann one of the most Influential Women in Fintech. Other honors include being recognized as Fintech Woman of the Year, selected to the Forbes magazine list of 50 Over 50, and named to the Fintech Hall of Fame and the Women in Fintech Power List (twice). Fast Company magazine has honored AIR in its World Changing Ideas awards. 

Jo Ann has published more than 200 articles and is the author of numerous papers on financial regulation and technology, including the RegTech Manifesto. She speaks each year to thousands of people throughout the world.

Samara Cohen, Senior Managing Director, is BlackRock’s Chief Investment Officer of ETF and Index Investments and a member of the firm’s Global Executive Committee (GEC).

As CIO for ETF and Index Investments, Samara leads the teams delivering the market quality and investment integrity of roughly $6.6 trillion of BlackRock’s index funds and iShares ETFs. Encompassing portfolio managers, risk managers, platform architects, and market structure developers, her teams continuously pursue better ways for clients to access expanding investment opportunities and seek to lead in the modernization of the indexing industry and ETF markets.

She earned a BS Econ in Finance from the Wharton School and a BA in Theatre Arts from the College of Arts and Sciences of the University of Pennsylvania. She earned an MBA from Harvard Business School.

Todd Conklin currently leads Treasury's cyber portfolio under Deputy Secretary Adeyemo, while also serving as Treasury's Deputy Assistant Secretary for Office of Cybersecurity and Critical Infrastructure Protection. In addition to leading internal IT modernization efforts, Todd designed and implemented Treasury's counter-ransomware strategy consisting of updated crypto industry guidance and targeted sanctions actions. Todd previously served as Chief Information Officer for Intelligence Platforms and Innovation, and Chief Data Officer for Treasury's Office of Terrorism and Financial Intelligence (TFI). In those roles, he led cybersecurity and data modernization efforts across Treasury's critical national security assets and worked to develop a secure hybrid cloud environment and centralized data analytics platform consisting of Treasury's sanctions and AML data. Todd also established and chaired the TFI Data Governance Board and the Treasury AI Governance Board. Todd has more than 17 years of experience with TFI and The Department of the Treasury. He initially joined Treasury's Office of Foreign Assets Control in 2007, most recently serving as Deputy Associate Director for the Office of Global Sanctions Targeting. From 2011 to 2013, he served as OFAC's Attaché to Mexico and Central America, and from 2010 to 2011, he served as OFAC Liaison to Afghanistan's National Interdiction Unit. In addition to his Treasury experience, Todd has a combination of private sector, intelligence, and law enforcement experience having worked in various positions at Exxon Mobil Corporation, National Geospatial-Intelligence Agency, and United States Secret Service. Todd received his B.A. in history from Mercyhurst University and his M.B.A. with a business analytics focus from Ohio University. In 2020, he received one of the Treasury Department's highest honors, Exceptional Service Award, for his work ensuring the security of Treasury's critical national security data assets. In 2024, he was awarded the Presidential Rank Award.

Dominic Delmolino is the Vice President of Field Technology and Engineering for Amazon Web Services (AWS) Worldwide Public Sector. He is responsible for the oversight, strategy and definition of AWS field technical offerings and activities supporting public sector customers while advocating on their behalf for AWS feature development. In his career, Delmolino has assisted government and commercial clients in the application of leading edge data management, analysis and software engineering solutions. In addition to a B.S. in Computer Science from Cornell University, Delmolino has a Master in Information and Data Science from the University of California, Berkeley. He currently oversees AWS public sector efforts in the cloud and emerging technology space, including the deployment and configuration of responsible Artificial Intelligence, Quantum Computing and large-scale Cloud-based DevOps architectures.

Jon Fortt is co-anchor of CNBC’s “Closing Bell: Overtime” (M-F, 4PM-5PM). He created the weekly segments, “On the Other Hand” on “Squawk Box,” a one-man debate; and “Working Lunch” on “Power Lunch,” which features his in-depth interviews with news making CEOs such as Microsoft’s Sayta Nadella, Amazon’s Andy Jassy, AMD’s Lisa Su and Sanofi’s Paul Hudson.

Previously, he co-anchored CNBC’s “TechCheck” and “Squawk Alley.” Prior to that, he served as an on-air editor based at CNBC’s global headquarters in Englewood Cliffs, N.J. Fortt joined CNBC as technology correspondent in July 2010, working from CNBC’s Silicon Valley bureau where he covered the companies, start-ups and trends that are driving innovation in the industry.

Fortt is the creator of Fortt Knox, a digital show he launched in 2016 that features in-depth 1:1 interviews with founders, CEOs and innovators. In 2020, he created The Black Experience in America: The Course, an online resource for exploring history and culture.

Fortt came to CNBC from Fortune magazine, where as a senior writer he covered both large technology companies— such as Cisco, Hewlett-Packard, and Microsoft—and trends, including cloud computing and the smartphone revolution. Before joining Fortune in 2007, Fortt was a senior editor at Business 2.0 magazine where he produced the “What Works” section. From 1999 to 2006, Fortt wrote and edited at the San Jose Mercury News, Silicon Valley’s hometown newspaper. There he contributed to several efforts that won awards from the Society of American Business Editors and Writers.

Fortt graduated from DePauw University as a Media Fellow, with a B.A. in English.

Ted Kaouk joined CFTC in December 2023 and serves as the agency’s Chief Data & Artificial Intelligence Officer, and Director of the Division of Data. In his role, Dr. Kaouk leads the creation of strategies and capabilities that expand the agency’s use of data analytics and AI to most effectively oversee the derivatives markets and meet the CFTC’s regulatory requirements.

Dr. Kaouk served as the Chief Data Officer and Responsible Official for AI at the Office of Personnel Management (OPM), where he was responsible for developing the agency’s first federal government-wide human capital data strategy and data products. Prior to joining OPM, Dr. Kaouk was the Chief Data Officer at the Department of Agriculture, where he was responsible for establishing the agency’s first enterprise data analytics platform and a data strategy to improve organizational decision-making and outcomes for citizens. Dr. Kaouk also served as the first Chair of the Federal Chief Data Officers Council from its inception in 2020 until January 2024.

Dr. Kaouk began his career as a surface warfare officer in the United States Navy. Dr. Kaouk earned a bachelor’s degree from the U.S. Naval Academy, a master’s degree from the University of Virginia, and a PhD from the University of Maryland, College Park.

Len Kennedy has held senior corporate, government and public interest leadership roles in telecommunications, media and consumer financial services. He has vast policymaking experience with consumer-facing firms undergoing rapid growth, technological and regulatory change. In government, business and leadership positions, he has contributed to and advanced technological developments and policies that touch virtually all US consumers.

Currently he is an Adjunct Professor of Law at Cornell Law School for Cybersecurity and Privacy. He teaches and investigates cybersecurity issues, and urges improved cybersecurity, privacy and online expression practices and policies as essential to serving consumers, promoting competition, and the long-term interests of the U.S. economy. He is a board member of Center for Artificial Intelligence and Digital Policy (CAIDP) and the Electronic Privacy and Information Center (EPIC).

He served as the founding General Counsel of the Consumer Financial Protection Bureau from its incubation inside the Treasury Department and launch as an independent agency delivering definitive interpretations of the applicable provisions of the Dodd Frank Act to consumer financial services.

In the private sector he was general counsel to Sprint, Nextel and Neustar. As a partner in a major communications law firm, he represented clients in the newspaper, broadcast, cellular, cable and telecommunications industries. He participated in FCC implementation of spectrum auctions, Cable and the Telecommunications Act laws. As senior legal advisor to Federal Communications Commission commissioners, Patricia Diaz Dennis and Ervin S. Duggan, he contributed to numerous agency proceedings initiating industry-transforming policies.

Cornell University, College of Arts & Sciences, B.A., Economics, 1974 Cornell University, School of Law, J.D. 1977

Aaron Klein is Miriam K. Carliner Chair and senior fellow in Economic Studies at the Brookings Institution, focused on financial technology and regulation; payments; macroeconomics; and infrastructure finance and policy. Prior to joining Brookings in 2016, he directed the Bipartisan Policy Center’s Financial Regulatory Reform Initiative.

Between 2009 and 2012, Klein served as the deputy assistant secretary for economic policy at the Department of Treasury. He worked on financial regulatory reform issues including crafting and helping secure passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. He also played leading roles on responding to the economic crisis, housing finance reform, transportation and infrastructure policy, and Native American policy.

Previously, Klein served as chief economist of the Senate Banking, Housing and Urban Affairs Committee for Chairmen Chris Dodd and Paul Sarbanes. He worked on numerous pieces of major legislation, including the Emergency Economic Stabilization Act (aka TARP), Housing and Economic Recovery Act, and the SAFETEA Act of 2005—re-writing America’s surface transportation system.

Klein serves on the Board of the PC Project, a charity dedicated to finding a cure for Pachyonychia Congenita, and the American Academy of Political and Social Science. He serves on a Bellwether Commission at Washington University in Saint Louis, and previously taught at the University of Pennsylvania’s Wharton school of Business. Klein serves as an external economist for the National Homebuyers Fund, Astro America, provides occasional expert analysis for several groups including Gerson Lerhman Group, AlphaSights, Guidepoint, Raymond James, and the Native American Finance Officers Association, and is an expert witness.

Klein is a graduate of Dartmouth College and the Princeton School of Public and International Affairs.

Dr. Nicol Turner Lee is a senior fellow in Governance Studies, the director of the Center for Technology Innovation and serves as Co-Editor-In-Chief of the TechTank blog and podcast at the Brookings Institution, which is a global think tank headquartered in Washington, D.C. Dr. Turner's research encompasses equitable access to technology across the U.S. and abroad. Her portfolio also includes leading research and public policy work focused on the identification and mitigation of online biases in artificial intelligence systems. She has a forthcoming book on the U.S. digital divide titled Digitally Invisible: How the Internet is Creating the New Underclass (Brookings Press, August 2024). She has appeared throughout various news media, testified before Congress and international global governance bodies, and written extensively on tech and telecom issues. In 2022, she was recognized for distinguished career contributions by the American Sociological Association at the annual conference. She has her B.A. from Colgate University, and her Ph.D. from Northwestern University.

Established in 2010 under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Financial Stability Oversight Council (FSOC) is charged with identifying risks to the financial stability of the United States; promoting market discipline; and responding to emerging threats to the stability of the U.S. financial system.

In her role, Sandra leads and manages the Office of the Financial Stability Oversight Council, which supports the FSOC by monitoring risks to U.S. financial stability; preparing research and analysis at the request of the Council; and coordinating the work of the Council’s interagency committees.

Prior to joining the Treasury in the Executive Office, Sandra was a Senior Vice President and the Director of the Policy Planning Office at the Federal Reserve Bank of New York.  She also worked in the Legal Group at the FRBNY, where she provided legal support on Federal Reserve’s emergency financial stability programs and advised supervisory staff on bank regulatory matters.

Sandra began her career in private practice and served as a law clerk to the Honorable Michael Chertoff for the U.S. Court of Appeals for the Third Circuit. Sandra received her bachelor’s degree from Yale University and her law degree from New York University School of Law.

Terah Lyons is a Managing Director at JPMorgan Chase, where she is Global Head of AI Policy. In her role, she drives firmwide strategy, positioning, and engagement on AI policy issues, working closely with corporate and business partners across the firm. Terah is based in New York City and sits on JPMC’s Global Government Relations and Chief Data & Analytics Office management teams.

Terah joined JPMC in January 2024 and brings more than a decade of experience at the intersection of AI technology, business, and public policy. Most recently, she has been a Senior Advisor on AI and geopolitics for Albright Stonebridge Group and an Executive in Residence at Zetta Venture Partners. She serves as an Advisor to the Administrative Conference of the United States on the use of AI in public agencies and is an Affiliate Fellow at the Stanford Institute for Human-Centered Artificial Intelligence, where she sits on the board of the Stanford AI Index.

Terah was previously the Founding Executive Director of the Partnership on AI, a non-profit multistakeholder organization comprising industry, civil society, and academic institutions focused on developing research and voluntary standards for responsible AI development. She formerly served as Policy Advisor to the U.S. Chief Technology Officer for President Barack Obama, leading a portfolio focused on AI and emerging technology policy for the White House, during which period she directed the first country-level AI policy strategy for the U.S. Government.

Terah holds a B.A. from Harvard University.

Anuj Mallick is a Partner at EY, where he co-leads the Capital Markets sector across business, risk and technology. In his role, he manages the sector, delivers at global financial services clients with a focus on sector-specific technologies, and leads Capital Markets AI delivery teams. Anuj is based in Washington D.C. and sits on EY’s FS AI leadership team. He has advised numerous financial services clients on their AI strategy and journey and brings insight from hands-on experience and insight from his work at his clients across the lifecycle including AI governance, scaled AI-technology enablement, as well as AI use case design, delivery and deployment. Anuj also brings previous experience having supported several banks through the development of their recovery and resolution plans including interconnectedness mapping, broker dealer and financial market utility playbooks and technology planning.

Anuj graduated from The George Washington University with a B.S. in Computer Engineering and an M.S in Electrical Engineering.

Erie Meyer is Chief Technologist and Senior Advisor to the Director at the Consumer Financial Protection Bureau. Ms. Meyer served on the implementation team that launched the CFPB, and became a founding team member of the Bureau’s Office of Technology and Innovation. Most recently, Ms. Meyer served as Senior Advisor to Chair Khan for Policy Planning and Chief Technologist for the Federal Trade Commission, and as then-Commissioner Chopra’s Technology Advisor. Before serving at the FTC, she launched the U.S. Digital Service in the White House. Ms. Meyer has also served as Senior Director for Code for America and Senior Advisor to the White House’s Chief Technology Officer. Ms. Meyer is a recipient of the Harvard Kennedy School’s Joan Shorenstein Fellowship during which she researched the intersection of open data, journalism, and civic life. Ms. Meyer is a contributor to open source software and received her B.A. in journalism from American University.

Fabio M. Natalucci is a Deputy Director of the Monetary and Capital Markets Department with responsibility for the IMF’s global financial markets monitoring and systemic risk assessment functions. He oversees the Global Financial Stability Report that gives the IMF’s assessment of global financial stability risks. He is also responsible for monitoring and evaluating risks and opportunities in sustainable finance markets. Prior to joining the IMF, Fabio was a Senior Associate Director in the Division of Monetary Affairs at the Federal Reserve Board, where he conducted research and current analysis on the relationship between monetary policy, financial regulatory policy, and financial stability. Between October 2016 and June 2017, Mr. Natalucci was Deputy Assistant Secretary for International Financial Stability and Regulation at the U.S. Department of Treasury. His responsibilities included leading U.S. engagement on financial regulatory cooperation in the G-20, representing the U.S. Treasury at the Financial Stability Board, coordinating between domestic and international post-crisis regulatory reforms, and monitoring developments and vulnerabilities in global financial markets. Fabio holds a PhD in Economics from New York University.

Nick is Moody’s Chief Product Officer, responsible for defining and managing the company’s product strategy. He also leads Gen AI Enablement at Moody’s. With expertise in marketing, innovation, customer experience, and commercial strategy, he ensures a modern and customer-centric approach. Nick has a diverse background in banking, finance, technology, and insurance, with senior managerial roles in Australia, Hong Kong, and the UK. Nick's expertise drives efficient and effective product solutions for our customers.

As President and CEO, Lisa Rice directs the National Fair Housing Alliance’s (NFHA) mission to eliminate all forms of housing discrimination and ensure equitable housing opportunities for all people and communities. NFHA leads the fair housing movement and is the trade association for over 170 member organizations throughout the country.

Ms. Rice is a published author contributing to several books and journals addressing a range of fair housing issues including - The Fight for Fair Housing: Causes, Consequences, and Future Implications of the 1968 Federal Fair Housing Act; Designed for the Future: 80 Practical Ideas for a Sustainable World; Discriminatory Effects of Credit Scoring on Communities of Color; and From Foreclosure to Fair Lending: Advocacy, Organizing, Occupancy, and the Pursuit of Equitable Credit.

She is one of the nation’s leading experts on fair housing, lending, and Responsible AI policies having played major roles in crafting sections of the Dodd-Frank Wall Street Reform and Consumer Protection Act, establishing the Office of Fair Lending within the Consumer Financial Protection Bureau, and implementing other legislative and policy initiatives. She also helped lead the investigation and resolution of precedent-setting fair housing and lending cases securing remedies for millions of people as well as the elimination of systemic discriminatory practices. Ms. Rice serves on the Board of Directors of the Leadership Conference on Civil and Human Rights, Center for Responsible Lending, and FinRegLab as well as various Advisory Councils. She has received numerous awards including the National Housing Conference’s Housing Visionary Award and was selected as one of TIME Magazine’s 2024 ‘Closers.’

Stacey Schreft joined the OFR in 2015 and leads the Office’s Research and Analysis Center. Her areas of research expertise include financial crises, cyber risk, monetary policy, and payment systems. She holds a doctorate and master's degree in economics from the University of Minnesota, and a bachelor's degree, also in economics, from Smith College.

Keith Toney is an Executive Vice President and the President of Credit & Decision Management at Discover Financial Services as well as a member of the Executive Committee. He serves as Co-President for all of Consumer Banking, leading the newly expanded Credit & Decision Management business unit to support enterprise-wide adoption of advanced decision science to drive business outcomes.

Keith joined Discover in 2019 as the Chief Data Officer responsible for the Enterprise Technology organization. He joined the DFS Executive Committee the following year in 2020. 

He has over 25 years of technical experience in financial services, analytics, and the economics of risk pooling. Keith specializes in emerging technologies in big data, Artificial Intelligence, machine learning, data visualization capabilities, data governance, and data security.

Prior to joining Discover, Keith served as Senior Vice President of Product, Data Science, and Analytics at The Hartford Financial Services Group. This role held P&L responsibility for the $3.5B in direct-to-consumer Personal Insurance premium and accounted for product management, pricing, underwriting, and loss performance.

Keith was also previously Chief Data Scientist at Connexion Point, Executive Director at Ernst & Young, and Vice President and General Manager at LexisNexis. In addition to developing software, in the early days, Keith worked as a pricing and reserving actuary in Property & Casualty Insurance along with various product management roles.

Keith has a B.S. and M.S. in mathematics from Ohio State University. He is also the executive sponsor of the Honoring Military Veterans (HMV) Employee Resource Group (ERG) at Discover.

Rahul Varma is the Deputy Director for Product and Market Analytics Branch in the Division of Market Oversight of the Commodity Futures Trading Commission. In this role, Rahul has responsibility for monitoring market developments and performance and overseeing new product and product amendment filings. Rahul joined CFTC eleven years ago as an Associate Director in Market Surveillance where he had primary responsibility for surveilling all physical commodity markets. Prior to joining CFTC, he worked in the private sector in various roles including risk management and consulting, and at FERC in the Office of Market Oversight and Investigations.