Albert Chang joined the Consumer Financial Protection Bureau (CFPB) in 2013 and serves as Senior Counsel in the Office of Innovation, where he contributes to public policy on the use of AI and alternative data in financial services. Prior to his current appointment, Albert served as co-chair of the CFPB’s Alternative Data Working Group; Counsel and Louis D. Brandeis Fellow in the Office of Fair Lending & Equal Opportunity; Counsel in the Office of Supervision Policy; and Policy Assistant in the Office of Card and Payment Markets. Albert attended law school and joined the CFPB after stints at American Express and Ernst & Young, where he focused on fair lending issues and model risk management. Albert received his B.A. in Physics and Economics from Swarthmore College and J.D. from Yeshiva University.

Melissa Koide is the CEO of FinRegLab, a nonprofit research center that tests new technologies and data and facilitates dialogue to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. FinRegLab evaluates how technology and data can be safely used to increase financial inclusion and improve financial services for consumers, small businesses, and communities. FinRegLab is currently evaluating the explainability of complex machine learning algorithms in credit underwriting for fairness, model governance, adverse action notices, and inclusion.

Prior to establishing FinRegLab, Melissa served as the U.S. Treasury Department's Deputy Assistant Secretary for Consumer Policy. In that role, Melissa helped to build the first government offered preretirement savings product, the myRA. She also established the $5 million Innovation Fund to support research and strategies to improve consumers’ financial health and their access to safe and affordable financial products and services. Melissa has testified before the Senate Banking and House Financial Services Committees, and she has spoken extensively to policy, industry, and consumer advocacy audiences.

Walter is Principal: Privacy and Data Ethics at UK Finance, where he leads policy work on issues such as data privacy and protection, personal data transfers and ethical AI. He also supports cross-cutting industry policy work for which there are challenging privacy considerations.

David is the Head of Risk Modeling in the Consumer and Community Bank at JPMorgan Chase. His team develops machine learning models for credit and fraud decisioning. They also build portfolio risk models for capital, stress testing, and loss allowances. David worked previously at BlackRock as Global Head of Financial Modeling. He also led fixed income research teams at Lehman Brothers and worked as a Finance Professor at Ivey Business School in Canada. David received his Ph.D. in Finance from University of Michigan, his Masters in Business Administration from University of British Columbia and has a BASc in Systems Design Engineering from University of Waterloo.