Kenneth Lin started Intuit Credit Karma in 2007 to offer free credit scores and bring transparency and simplicity to the credit industry – an industry built around and prioritizing banks, not consumers. Today, Credit Karma serves more than 130 million members in the U.S., U.K. and Canada. It continues to use technology to bridge the gap between consumers and financial services by consistently rolling out free, consumer-first tools designed to help members manage their full financial lives -- to provide certainty in a world of financial uncertainty. He has led the company from a small team of three to more than 1,500 employees who are disrupting consumer finance, serving millions of people. Kenneth’s vision is that one day technology will enable Credit Karma to automate a simple way for consumers around the world to manage their financial identities. Kenneth also founded Multilytics Marketing in 2006 and has a B.A. in mathematics and economics from Boston University. He was selected to join the esteemed Aspen Institute’s Henry Crown Fellows in 2018. Kenneth lives with his wife and two young children in Oakland.

Before being named CEO of Akoya in February 2023, Paul was a managing director at JPMorgan Chase, responsible for Chase’s open banking and data aggregation. In this role, he led the industry in building out the infrastructure to deliver greater control and protection for consumers sharing their financial data. He was responsible for Chase’s data access channel and APIs which support hundreds of millions of API calls a month for millions of consumer and small business customers sharing data with thousands of third-party apps. Through his leadership, Chase fully eliminated screen scraping in October 2022. Paul was also responsible for negotiating agreements with several leading aggregators and fintechs, standing up Chase’s own aggregation services enabling customers to access their held away finances and driving partnerships with open banking industry groups and regulators.

During his 14+ year career at Chase, Paul held additional leadership positions including the head of product for digital servicing, responsible for Chase’s online communications and servicing products used by 40 million active customers and product owner for mobile where he led the strategy and rollout of Chase’s first mobile banking apps. Paul was also the Board Co-Chair of Financial Data Exchange and served on the board of directors of Akoya. Prior to joining Chase, Paul worked in the mobile industry for Verizon and Sprint.

John McNamara is the Principal Assistant Director of Markets and the Assistant Director for Consumer Credit, Payments, and Deposits Markets in the Research, Markets and Regulations division of the Consumer Financial Protection Bureau. He leads a team of subject matter experts and analysts covering the credit card, payments, deposits, student, auto, small dollar, marketplace, and installment lending markets, as well as credit reporting, debt collection, debt relief, fintech and the use of artificial intelligence and machine learning in consumer financial services. He also manages budgeting, staffing, and administration of the Bureau’s Markets Office. Prior to joining the CFPB, John was Chief Marketing Officer for LiveVox, a leading provider of cloud contact center solutions and director/co-founder of Fidelis Recovery Solutions, Inc., a debt collector. He has over 30 years of experience in the accounts receivable management (ARM) and call/contact center industries, in addition to all phases of collections, recovery and call center operations with deep focus on technology, process improvement, compliance management systems and nine years of experience as a federal consumer financial protection regulator. McNamara also served as COO for Asset Management Outsourcing, Inc., SVP of Banking and Retail Operations for First Data Corporation’s ARM unit, Nationwide Credit/ACB, and VP of Operations for United Recovery Systems, LP.

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With over 40 years of financial services experience, Gene Ludwig is widely recognized for his expertise in fintech regulatory and compliance matters. Gene is a co-Managing Partner at Canapi Ventures, a financial technology venture platform investing in early to growth-stage companies. Gene also is the founder and CEO of Ludwig Advisors, which counsels financial institutions on critical matters. He also founded Promontory Financial Group, a premier regulatory and compliance consulting firm for financial services and fintech companies, and Promontory Interfinancial Network, which has provided hundreds of billions of dollars in funding to its network of more than 3,000 financial institutions. Gene has proved an adept investor in the community banking sector. CapGen Financial, a $500 million community bank private equity fund founded by Gene and others in 2006, began investing prior to the financial crisis. As the 27th Comptroller of the Currency, Gene served as the Clinton administration’s chief banking regulator and point person on the policy response to the credit crunch of the early 1990s. He earned a J.D. from Yale University.

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Eileen is an experienced public company board director serving on the boards of Capital One Financial where she sits on the audit and risk committees, and Gartner, Inc. where she sits on the compensation committee. She is also an independent director of alt.bank a Brazilian fintech. Eileen has more than 20 years of senior operating and executive leadership experience in the financial services industry including responsibility for strategy, digital transformation, product development, operations, and customer engagement. She has a proven track record of creating and growing consumer businesses. She has also repositioned businesses that were facing disruption due to technology, shifts in consumer behavior and/or new competitors.

Eileen held executive positions at JP Morgan Chase including as Chief Executive Officer of Chase Card Services. While at Chase, she defined and led the execution of a growth strategy that transformed the business including creating/scaling the Sapphire consumer brand and creating the Ultimate Rewards digital loyalty
platform. Earlier in her career, Eileen was a Managing Director and Head of Private Client Banking Solutions at Merrill Lynch and a Senior Vice President at American Express, leading the firm’s entry into small business lending. Prior to those roles, Eileen was a Partner at McKinsey & Co., where she co-led the North American Consumer Practice, consulting with CEOs on strategy and organizational issues. Eileen holds a B.S. in Food Science from the University of California, Davis and an M.B.A. from the University of Chicago Booth School of Business.

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Sarah Davies has over 20 years experience in the financial services sector, serving as an executive leader and innovator in the analytics and decision science field. She previously was the Chief Data & Analytics Officer at Nova Credit and the Senior Vice President of Product, Analytics and Research at VantageScore Solutions, LLC where she led the development of the VantageScore credit scoring models. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis. She holds several patents in both the credit analytics and airline optimization fields. She is a frequent speaker and educator on credit risk and consumer behavioral analytics.

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 SigFig, Thought Machine, Fidel, SentiLink, Gr4vy, and Necto.

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.

Divisional CEO, Marketing EVP, Fortune 500 CRO, and Board Member with a successful track record driving sustainable profit growth and building strong teams. Broad consumer financial services experience leading a variety of established, high growth and turnaround businesses including SVP of Cardmember Marketing for Discover's $70B credit card business, General Manager of Discover’s $30B digital bank and deposits business, and EVP and CEO of HSBC's credit card business. Demonstrated ability to drive double-digit growth through marketing, product development, and customer experience innovation. Deep knowledge of cards and deposits. Unique combination of marketing and risk expertise.Most recently served as Discover’s Chief Risk Officer, at the request of the CEO and Board, to drive a major transformation across Compliance, Operational, Information Security, and Enterprise Risk Management.Currently serving as consultant and board member to financial services companies with a focus on neo banks and reg-tech. Assignments include growth strategy, branding, product strategy, and risk management.Started in strategy consulting with Booz-Allen & Hamilton. Received an MBA with high honors from the Booth School of Business at The University of Chicago and a BS in Electrical Engineering with high honors from the University of Illinois.

Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like American Express, Verizon, HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Jennifer Tescher founded the Financial Health Network in 2004, pioneering the movement to improve financial health for all. Today, she continues to lead the organization as its President and CEO, equipping organizations across industries to function as a force for good and build a future where all people can thrive financially. Under her leadership, the Financial Health Network has cultivated a network of 160+ influential organizations, invested in 40+ promising finhealth solutions through its Financial Solutions Lab, and delivered deep consumer insights and tools that are transforming policy and business practices. Jennifer drives the national discussion on financial health through frequent media and speaking engagements, including as the host of EMERGE Everywhere podcast and as a columnist for Forbes.

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