CINXE.COM

Speaker Information | FDIC

<!DOCTYPE html> <html lang="en" dir="ltr" prefix="og: https://ogp.me/ns#"> <head> <meta charset="utf-8" /> <link rel="canonical" href="https://www.fdic.gov/center-financial-research/speaker-information" /> <meta name="Generator" content="Drupal 10 (https://www.drupal.org)" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <script type="application/ld+json">{ "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [{ "@type": "ListItem", "position": "1", "name": "Home", "item": "https://www.fdic.gov/" },{ "@type": "ListItem", "position": "2", "name": "Analysis", "item": "https://www.fdic.gov/analysis" },{ "@type": "ListItem", "position": "3", "name": "Center for Financial Research", "item": "https://www.fdic.gov/center-financial-research" }]}</script> <link rel="alternate" hreflang="en" href="https://www.fdic.gov/center-financial-research/speaker-information" /> <link rel="icon" href="/themes/custom/fdic_theme/favicon.ico" type="image/vnd.microsoft.icon" /> <title>Speaker Information | FDIC</title> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_k7Nk_fpnXR2x8rZY2frqtG1Vu1ObmVFPgVJ79tJKAkQ.css?delta=0&amp;language=en&amp;theme=fdic_theme&amp;include=eJxVj1GOwyAMRC-EwpGQAyaxYjCyodncfmnTVbdftsd6M5qcKIa-Y0EPrRUEG4rOLutY_AqGbtiZLDxXnxUKnqKHyx_s_sdhXYrDn85UD590NODlfboozNCMVpZ4-Cgz4uVwUz5TTWWKVLO4ghqHXgETdVFfMCQCls01UNgU2m5_9h9lGbWNlcl2TNNhEtOUO-oSoXWS-pX3IDxDgw1DlwOrub6GgtssV8dd-r9g_WI094TshdpSJA1GtzElVH-PXxMegbI" /> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_dH2XAGISEaDj_90fs5OVzvuEOGrFd8C_tx-JhTuHT5Y.css?delta=1&amp;language=en&amp;theme=fdic_theme&amp;include=eJxVj1GOwyAMRC-EwpGQAyaxYjCyodncfmnTVbdftsd6M5qcKIa-Y0EPrRUEG4rOLutY_AqGbtiZLDxXnxUKnqKHyx_s_sdhXYrDn85UD590NODlfboozNCMVpZ4-Cgz4uVwUz5TTWWKVLO4ghqHXgETdVFfMCQCls01UNgU2m5_9h9lGbWNlcl2TNNhEtOUO-oSoXWS-pX3IDxDgw1DlwOrub6GgtssV8dd-r9g_WI094TshdpSJA1GtzElVH-PXxMegbI" /> <link rel="stylesheet" media="print" href="/sites/default/files/css/css_qFzcTTKJxafEpd1yCdAsqfjIU0Kd24lBrzoliloMOrU.css?delta=2&amp;language=en&amp;theme=fdic_theme&amp;include=eJxVj1GOwyAMRC-EwpGQAyaxYjCyodncfmnTVbdftsd6M5qcKIa-Y0EPrRUEG4rOLutY_AqGbtiZLDxXnxUKnqKHyx_s_sdhXYrDn85UD590NODlfboozNCMVpZ4-Cgz4uVwUz5TTWWKVLO4ghqHXgETdVFfMCQCls01UNgU2m5_9h9lGbWNlcl2TNNhEtOUO-oSoXWS-pX3IDxDgw1DlwOrub6GgtssV8dd-r9g_WI094TshdpSJA1GtzElVH-PXxMegbI" /> <script>!function(e){var n="https://s.go-mpulse.net/boomerang/";if("False"=="True")e.BOOMR_config=e.BOOMR_config||{},e.BOOMR_config.PageParams=e.BOOMR_config.PageParams||{},e.BOOMR_config.PageParams.pci=!0,n="https://s2.go-mpulse.net/boomerang/";if(window.BOOMR_API_key="CUQED-YPH6N-MJ9LJ-NAC89-WQR4D",function(){function e(){if(!o){var e=document.createElement("script");e.id="boomr-scr-as",e.src=window.BOOMR.url,e.async=!0,i.parentNode.appendChild(e),o=!0}}function t(e){o=!0;var n,t,a,r,d=document,O=window;if(window.BOOMR.snippetMethod=e?"if":"i",t=function(e,n){var t=d.createElement("script");t.id=n||"boomr-if-as",t.src=window.BOOMR.url,BOOMR_lstart=(new Date).getTime(),e=e||d.body,e.appendChild(t)},!window.addEventListener&&window.attachEvent&&navigator.userAgent.match(/MSIE [67]\./))return window.BOOMR.snippetMethod="s",void t(i.parentNode,"boomr-async");a=document.createElement("IFRAME"),a.src="about:blank",a.title="",a.role="presentation",a.loading="eager",r=(a.frameElement||a).style,r.width=0,r.height=0,r.border=0,r.display="none",i.parentNode.appendChild(a);try{O=a.contentWindow,d=O.document.open()}catch(_){n=document.domain,a.src="javascript:var d=document.open();d.domain='"+n+"';void(0);",O=a.contentWindow,d=O.document.open()}if(n)d._boomrl=function(){this.domain=n,t()},d.write("<bo"+"dy onload='document._boomrl();'>");else if(O._boomrl=function(){t()},O.addEventListener)O.addEventListener("load",O._boomrl,!1);else if(O.attachEvent)O.attachEvent("onload",O._boomrl);d.close()}function a(e){window.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!window.BOOMR||!window.BOOMR.version&&!window.BOOMR.snippetExecuted){window.BOOMR=window.BOOMR||{},window.BOOMR.snippetStart=(new Date).getTime(),window.BOOMR.snippetExecuted=!0,window.BOOMR.snippetVersion=12,window.BOOMR.url=n+"CUQED-YPH6N-MJ9LJ-NAC89-WQR4D";var i=document.currentScript||document.getElementsByTagName("script")[0],o=!1,r=document.createElement("link");if(r.relList&&"function"==typeof r.relList.supports&&r.relList.supports("preload")&&"as"in r)window.BOOMR.snippetMethod="p",r.href=window.BOOMR.url,r.rel="preload",r.as="script",r.addEventListener("load",e),r.addEventListener("error",function(){t(!0)}),setTimeout(function(){if(!o)t(!0)},3e3),BOOMR_lstart=(new Date).getTime(),i.parentNode.appendChild(r);else t(!1);if(window.addEventListener)window.addEventListener("load",a,!1);else if(window.attachEvent)window.attachEvent("onload",a)}}(),"".length>0)if(e&&"performance"in e&&e.performance&&"function"==typeof e.performance.setResourceTimingBufferSize)e.performance.setResourceTimingBufferSize();!function(){if(BOOMR=e.BOOMR||{},BOOMR.plugins=BOOMR.plugins||{},!BOOMR.plugins.AK){var n=""=="true"?1:0,t="",a="bdpnbet4tppfwz2mafuq-f-48082827f-clientnsv4-s.akamaihd.net",i="false"=="true"?2:1,o={"ak.v":"39","ak.cp":"1610990","ak.ai":parseInt("1033034",10),"ak.ol":"0","ak.cr":1,"ak.ipv":4,"ak.proto":"http/1.1","ak.rid":"1926ac22","ak.r":6099,"ak.a2":n,"ak.m":"dscb","ak.n":"essl","ak.bpcip":"8.222.208.0","ak.cport":45952,"ak.gh":"124.155.222.87","ak.quicv":"","ak.tlsv":"tls1.2","ak.0rtt":"","ak.0rtt.ed":"","ak.csrc":"-","ak.acc":"reno","ak.t":"1733034345","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==1+f+KL3BnL5LAu1lPBuacGs8yT6sY6phW+tGSiGD6Yuq6H1k8lObMfDxwHLwQWhnx4iRVn7f7d2hsjsw0W6Hj/gW9SvViklowziwNj+OB4Z4MIIztC5y2Rf9fQKLTGwSyXXnyqGfPXKmMugFHdHt8xrq4tRCdY7v7Oj2JjnEa+iZhcVPrWSIf6XEuPTHI+8ozUoMAUcvjYYMDiSS4GyTlk5UlzpsxjNPS/JCz/sX+JKkOUx5yeA4ghA/YwfBrzuRUdgaPIDqKYhhZARmbRXBfva3tGnRa3xLis9ETfGSaBKwJDDosORZ9DmuhHKnYe9dfcpaVwhMlkQX2j241yPVInBluRsSoWqA7pswgrloa4v7SExyR1G2lmDxOnQucNxIXFSsvT9n+4ReYWFObUdeIwdVMNCLJthKGm8h5W2BF6o=","ak.pv":"2","ak.dpoabenc":"","ak.tf":i};if(""!==t)o["ak.ruds"]=t;var r={i:!1,av:function(n){var t="http.initiator";if(n&&(!n[t]||"spa_hard"===n[t]))o["ak.feo"]=void 0!==e.aFeoApplied?1:0,BOOMR.addVar(o)},rv:function(){var e=["ak.bpcip","ak.cport","ak.cr","ak.csrc","ak.gh","ak.ipv","ak.m","ak.n","ak.ol","ak.proto","ak.quicv","ak.tlsv","ak.0rtt","ak.0rtt.ed","ak.r","ak.acc","ak.t","ak.tf"];BOOMR.removeVar(e)}};BOOMR.plugins.AK={akVars:o,akDNSPreFetchDomain:a,init:function(){if(!r.i){var e=BOOMR.subscribe;e("before_beacon",r.av,null,null),e("onbeacon",r.rv,null,null),r.i=!0}return this},is_complete:function(){return!0}}}}()}(window);</script></head> <body class="acquia-cms-toolbar acquia-cms-environment-prod path-node node--type-wholepage"> <a href="#main-content" class="skipheader"> Skip to main content </a> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <div> <div id="block-fdic-theme-governmentbanner" class="block block-block-content block-block-content5ce1aa81-3346-498b-9ce7-81528fbc9e63"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="usa-banner"><div class="usa-banner__inner"><div class="usa-banner__header"><div><img class="usa-banner__header-flag" src="/themes/custom/fdic_theme/images/us-flag-small.png" alt="U.S. flag"></div><div class="usa-banner__header-text">An official website of the United States government</div><div><button class="usa-banner__header-button" tabindex="1" id="fdic_how_you_know" aria-expanded="false" aria-controls="gov-banner" aria-label="Here’s how you know"></button></div></div><div class="usa-banner__content" id="gov-banner"><div class="usa-banner__media-block"><div><img class="usa-banner__media-block__icon" src="/themes/custom/fdic_theme/images/svg-icons/icon-dot-gov.svg" alt="Dot gov"></div><div><strong>The .gov means it’s official.</strong>&nbsp;<br>Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.</div></div><div class="usa-banner__media-block"><div><img class="usa-banner__media-block__icon" src="/themes/custom/fdic_theme/images/svg-icons/icon-https.svg" alt="Https"></div><div><strong>The site is secure.</strong>&nbsp;<br>The <strong>https://</strong> ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.</div></div></div><div class="usa-banner__search-form"><form accept-charset="UTF-8" action="https://fdic-search.app.cloud.gov" id="cse-search-box-form-id2" method="post"><div class="flex-row-nowrap"><input name="utf8" type="hidden" value="✓"> <label class="usa-sr-only" for="query2">Search FDIC.gov</label> <input tabindex="2" type="search" autocomplete="off" id="query2" name="query" value="Search FDIC.gov" onblur="if(this.value == '') {this.value = 'Search FDIC.gov';}" onfocus="if(this.value == 'Search FDIC.gov') {this.value = '';}"> <button tabindex="3" name="commit2" type="submit" id="searchsubmit2" aria-label="Submit Search Request" value> <img src="/themes/custom/fdic_theme/images/icon-search-white.png" width="20" height="20"> <span class="usa-sr-only">Search</span> </button></div></form></div></div></div></div></div> </div> </div> <div class="usa-header usa-header--basic" role="banner"> <div class="grid-container"> <div class="region region-header"> <div class="usa-logo site-logo" id="logo"> <em class="usa-logo__text"> <a class="logo-img" href="/" accesskey="1" title="Home" aria-label="Home"> <img src="/themes/custom/fdic_theme/fdic-logo-white-noseal.svg" alt="Home" /> </a> </em> </div> <div id="block-fdic-theme-mainnavigation" class="block block-tb-megamenu block-tb-megamenu-menu-blockmain"> <nav class="tbm tbm-main tbm-no-arrows" id="tbm-main" data-breakpoint="1024" aria-label="main navigation"> <button class="tbm-button" type="button"> <span class="tbm-button-container"> <span></span> <span></span> <span></span> <span></span> </span> </button> <div class="tbm-collapse "> <ul class="tbm-nav level-0 items-5" role="list" > <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/about" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> About </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentdd19b02f-0856-4e25-96bd-acd0c0d9be6f" class="block block-block-content block-block-contentdd19b02f-0856-4e25-96bd-acd0c0d9be6f"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>About</h2><p>The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation’s financial system. Learn about the FDIC’s mission, leadership, history, career opportunities, and more.</p><p><a href="/about">Learn More About the FDIC</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-5" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/about/what-we-do" class="tbm-link level-2"> What We Do </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/about/leadership/" class="tbm-link level-2"> Leadership </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/careers" class="tbm-link level-2"> Careers </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/about/diversity" class="tbm-link level-2"> Diversity &amp; Inclusion </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/about/initiatives" class="tbm-link level-2"> Initiatives </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-6" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/about/strategic-plans" class="tbm-link level-2"> Strategic Plans </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/financial-reports" class="tbm-link level-2"> Financial Reports </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/history" class="tbm-link level-2"> History </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/about/governance" class="tbm-link level-2"> Governance </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/about/about-ombudsman" class="tbm-link level-2"> Ombudsman </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/about/doing-business" class="tbm-link level-2"> Doing Business with the FDIC </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blocknews-latest-news-blocks-latest-news-megamenu" class="block block-views block-views-blocknews-latest-news-blocks-latest-news-megamenu"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-dc4a6b285cd079e51e7b7ccc0a5385275c29c8bfac29cccf60bd227daae5b153"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank &amp; Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/resources" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Resources </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd9dc1eac-d6f9-400d-9a4a-5337a211b14d" class="block block-block-content block-block-contentd9dc1eac-d6f9-400d-9a4a-5337a211b14d"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>Resources</h2><p>The FDIC provides a wealth of resources for consumers, bankers, analysts, and other stakeholders. Browse our collection of financial education materials, data tools, documentation of laws and regulations, information on important initiatives, and more.</p><p><a href="/resources">Additional FDIC Resources</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-5" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/resources/consumers" class="tbm-link level-2"> Consumer Resource Center </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/resources/bankers" class="tbm-link level-2"> Banker Resource Center </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/resources/deposit-insurance" class="tbm-link level-2"> Deposit Insurance </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/laws-and-regulations" class="tbm-link level-2"> Laws &amp; Regulations </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/resolutions" class="tbm-link level-2"> Resolutions </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-7" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/bank-examinations" class="tbm-link level-2"> Supervision &amp; Examinations </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/resources/publications" class="tbm-link level-2"> Publications </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/formsdocuments" class="tbm-link level-2"> Forms </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/resources/data-tools" class="tbm-link level-2"> Data Tools </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/community-banking-research-program" class="tbm-link level-2"> Community Banking Research Program </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/coronavirus" class="tbm-link level-2"> Coronavirus Response </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/about/international-affairs/seminars.html" class="tbm-link level-2"> International Seminars and Training </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blocknews-latest-news-blocks-latest-news-megamenu--2" class="block block-views block-views-blocknews-latest-news-blocks-latest-news-megamenu"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-0d7696239a0bb390e02e3f90c2b89f0417dce28de2fdccfa9dad58dbf1b81cc5"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank &amp; Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/analysis" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Analysis </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-content13ddded4-1760-4ed6-867e-7ea94b8b60b7" class="block block-block-content block-block-content13ddded4-1760-4ed6-867e-7ea94b8b60b7"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>Analysis</h2><p>The FDIC is proud to be a pre-eminent source of U.S. banking industry research, including quarterly banking profiles, working papers, and state banking performance data. Browse our extensive research tools and reports.</p><p><a href="/analysis">More FDIC Analysis</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-3" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research" class="tbm-link level-2"> Center for Financial Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/consumer-research" class="tbm-link level-2"> Consumer Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/household-survey" class="tbm-link level-2"> FDIC National Survey of Unbanked and Underbanked Households </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-4" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/analysis/quarterly-banking-profile" class="tbm-link level-2"> Quarterly Banking Profile </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research/academic-challenge" class="tbm-link level-2"> FDIC Academic Challenge </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/analysis/quarterly-banking-profile/fdic-quarterly/quarterly-articles" class="tbm-link level-2"> FDIC Banking Issues in Focus </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/analysis/risk-review" class="tbm-link level-2"> Annual Risk Review </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blockanalysis-glider-analysis-megamenu-glider" class="block block-views block-views-blockanalysis-glider-analysis-megamenu-glider"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-fdaaafa0d858f3203eabf6c5ecd263dc8368c80e7b749963b6b37da7624c4404"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-09/qbp-q2-2024-283x143.png?itok=TX0VbZPk" width="277" height="141" alt="Quarterly Banking Profile for Second Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / September 05, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024">FDIC-Insured Institutions Reported Net Income of $71.5 Billion</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-05/qbp-q1-2024.png?itok=WG14C4zi" width="277" height="141" alt="Quarterly Banking Profile for First Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / May 29, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/">Quarterly Banking Profile for First Quarter 2024</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023dec/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/qbp-q4-2023.jpg?itok=TMbfmAZ0" width="277" height="141" alt="FDIC-Insured Institutions Reported Net Income of $38.4 Billion in Fourth Quarter 2023" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / March 07, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023dec/">Quarterly Banking Profile for Fourth Quarter 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023sep/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/qbp-q3-2023-283x143.jpg?itok=v2mZU2uM" width="277" height="141" alt="Quarterly Banking Profile for Third Quarter 2023" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / November 29, 2023 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023sep/">Quarterly Banking Profile for Third Quarter 2023</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/news" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> News </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-content6f717950-d2b9-4816-ba1c-2d062b39682b" class="block block-block-content block-block-content6f717950-d2b9-4816-ba1c-2d062b39682b"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>News</h2><p>The FDIC publishes regular updates on news and activities. Keep up with FDIC announcements, read speeches and testimony on the latest banking issues, learn about policy changes for banks, and get the details on upcoming conferences and events.</p><p><a href="https://www.fdic.gov/news/">Find More FDIC News</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-6" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/press-releases/current.html" class="tbm-link level-2"> Press Releases </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/financial-institution-letters/index.html" class="tbm-link level-2"> Financial Institution Letters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/events" class="tbm-link level-2"> Conferences &amp; Events </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/board-matters" class="tbm-link level-2"> Board Matters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/disaster" class="tbm-link level-2"> Natural Disasters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/campaigns" class="tbm-link level-2"> Media Campaigns </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-5" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/speeches" class="tbm-link level-2"> Speeches, Statements &amp; Testimonies </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/podcasts" class="tbm-link level-2"> Podcasts </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/videos" class="tbm-link level-2"> Videos </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/editorials" class="tbm-link level-2"> Opinion Editorials </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/fact-sheets" class="tbm-link level-2"> Policy Fact Sheets </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blocknews-latest-news-blocks-latest-news-megamenu--3" class="block block-views block-views-blocknews-latest-news-blocks-latest-news-megamenu"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-adb6d2ccaf36a0ea08f84d900743f81eff768b91dc344935b3e5c2bf6dec3e97"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank &amp; Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 megamenu-search tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <span class="tbm-link level-1 no-link tbm-toggle" tabindex="0" aria-expanded="false"> Search </span> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="megamenu-search-submenu tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span12"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0" class="block block-block-content block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="usa-banner__search-form gold flex-center-x"><form accept-charset="UTF-8" action="https://fdic-search.app.cloud.gov" id="cse-search-box-form-id2" method="post"><div class="flex-row-nowrap"><input name="utf8" type="hidden" value="✓"> <label class="usa-sr-only" for="query2">Search FDIC.gov</label> <input tabindex="2" type="search" autocomplete="off" id="query2" name="query" value="Search FDIC.gov" onblur="if(this.value == '') {this.value = 'Search FDIC.gov';}" onfocus="if(this.value == 'Search FDIC.gov') {this.value = '';}"> <button tabindex="3" name="commit2" type="submit" id="searchsubmit2" aria-label="Submit Search Request" value> <img src="/themes/custom/fdic_theme/images/icon-search-white.png" width="20" height="20"> <span class="usa-sr-only">Search</span> </button></div><div class="flex-row-nowrap flex-right margin-y-0p5"><a class="text-fdic-white" href="/search/help.html">Advanced Search</a></div></form></div></div></div> </div> </div> </div> </div> </div> </div> </div> </li> </ul> </div> </nav> <script> if (window.matchMedia("(max-width: 1024px)").matches) { document.getElementById("tbm-main").classList.add('tbm--mobile') } </script> </div> <div id="block-fdic-theme-attachlibrariesblock" class="block block-fdic-custom block-fdic-attach-libraries-block"> </div> </div> </div> </div> <div class="grid-container bg-fdic-white"> <div class="ds-region-abovecontent"> <div id="block-fdic-theme-breadcrumbs" class="block block-system block-system-breadcrumb-block"> <nav class="fdic-breadcrumb" role="navigation" aria-labelledby="system-breadcrumb"> <h2 id="system-breadcrumb" class="usa-sr-only">Breadcrumb</h2> <span class="fdic-breadcrumb__item"> <a href="/" class="fdic-breadcrumb__item__link">Home</a> </span> <span class="fdic-breadcrumb__item"> <a href="https://www.fdic.gov/analysis" class="fdic-breadcrumb__item__link">Analysis</a> </span> <span class="fdic-breadcrumb__item"> <a href="https://www.fdic.gov/center-financial-research" class="fdic-breadcrumb__item__link">Center for Financial Research</a> </span> </nav> </div> <div data-drupal-messages-fallback class="hidden"></div> <div id="block-fdic-theme-nodesubtitle" class="content-subtitle block block-fdic-custom block-fdic-node-subtitle-block"> Center for Financial Research </div> <div id="block-fdic-theme-node-title-block" class="block block-fdic-custom block-fdic-node-field-block"> <h1 class='text-align-center'>Speaker Information</h1> </div> <div id="block-fdic-theme-node-subheading-block" class="block block-fdic-custom block-fdic-node-field-block"> <div class='content-subheading'>Presented by the FDIC & JFSR</div> </div> </div> <div class="ds-region-highlight"> <div id="block-fdic-theme-sharethis" class="width-full flex-row-nowrap flex-right block block-block-content block-block-content3ec5bbc9-b47e-4b4f-a8d1-00a4fa772d0d"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div><div class="flex-row-nowrap flex-center-xy"><div class="font-title text-ls-0p1"><em>Share This:</em></div><div class="margin-left-0p5"><a class="fab fa-facebook-f usa-icon usa-icon--gold-circle text-ls-0" href="#" aria-label="Share on Facebook" rel="noopener noreferrer" onclick="window.open('https://www.facebook.com/sharer/sharer.php?u='+encodeURIComponent(location.href) );"><span class="sr-only">Share on Facebook</span></a></div><div class="margin-left-0p5"><a class="usa-icon usa-icon--gold-circle text-ls-0" href="#" aria-label="Share on X" onclick="window.open( 'https://twitter.com/share?text='+document.title.replace('|','')+'&amp;via=FDICgov&amp;url=' + encodeURIComponent(location.href).replace('|','') );"><svg height="16" width="16" viewBox="0 0 512 512"><path fill="#ffffff" d="M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z" /><title>Share on X</title></svg><span class="sr-only">Share on X</span></a></div><div class="margin-left-0p5"><a class="fab fa-linkedin-in usa-icon usa-icon--gold-circle text-ls-0" href="#" aria-label="Share on LinkedIn" onclick="window.open('https://www.linkedin.com/shareArticle?mini=true&amp;url=' + encodeURIComponent(location.href) + '&amp;title=' + document.title);"><span class="sr-only">Follow the FDIC on LinkedIn</span></a></div><div class="margin-left-0p5"><a class="fas fa-envelope usa-icon usa-icon--gold-circle text-ls-0" href="#" onclick="location.href='mailto:?subject='+document.title+'&amp;body='+encodeURIComponent(location.href)" aria-label="Share through email"><span class="sr-only">Share through email</span></a></div><div class="margin-left-0p5"><a class="usa-icon usa-icon--gold-circle fa fa-print text-ls-0" href="#" aria-label="Print" onclick="window.print();"><span class="sr-only">Print</span></a></div></div></div></div></div> </div> </div> <div class='ds-region-content'> <div class="ds-region-left order-0 mobile--order-1"> <div id="block-fdic-theme-webareamenu" class="sidebar-container navigation block block-group-content-menu block-group-content-menuweb-area-menu"> <ul class="menu group-menu nav navbar-nav"> <li class="first"> <a href="/center-financial-research" class="first" data-drupal-link-system-path="node/60161">Center for Financial Research</a> </li> <li> <a href="/center-financial-research/researchers" data-drupal-link-system-path="node/60171">Researchers</a> </li> <li class="expanded dropdown"> <a href="/center-financial-research/advisors-scholars-and-fellows" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60376">Advisors, Scholars, and Fellows <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/research-fellows" class="first" data-drupal-link-system-path="node/60396">Research Fellows</a> </li> <li> <a href="/center-financial-research/senior-advisor" data-drupal-link-system-path="node/60381">Senior Advisor</a> </li> <li> <a href="/center-financial-research/special-advisor" data-drupal-link-system-path="node/60386">Special Advisor</a> </li> <li class="expanded dropdown"> <a href="/center-financial-research/summer-research-fellows" class="expanded dropdown" data-drupal-link-system-path="node/60401">Summer Research Fellows</a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/2023-summer-research-fellows" class="first" data-drupal-link-system-path="node/60406">2023 Fellows</a> </li> <li class="last"> <a href="/center-financial-research/2022-summer-research-fellows" class="last" data-drupal-link-system-path="node/60411">2022 Fellows</a> </li> </ul> </li> <li class="last"> <a href="/center-financial-research/visiting-scholar" class="last" data-drupal-link-system-path="node/60391">Visiting Scholar</a> </li> </ul> </li> <li> <a href="/center-financial-research/working-papers" data-drupal-link-system-path="node/60166">Working Papers</a> </li> <li class="expanded dropdown"> <a href="/center-financial-research/staff-studies" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60176">Staff Studies <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/2022-staff-studies" class="first" data-drupal-link-system-path="node/60191">2022</a> </li> <li> <a href="/center-financial-research/2021-staff-studies" data-drupal-link-system-path="node/60186">2021</a> </li> <li class="last"> <a href="/center-financial-research/2020-staff-studies" class="last" data-drupal-link-system-path="node/60181">2020</a> </li> </ul> </li> <li class="expanded dropdown"> <a href="/center-financial-research/externally-published-research" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60196">Externally Published Research <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/2024-externally-published-research" class="first" data-drupal-link-system-path="node/60201">2024</a> </li> <li> <a href="/center-financial-research/2023-externally-published-research" data-drupal-link-system-path="node/60206">2023</a> </li> <li> <a href="/center-financial-research/2022-externally-published-research" data-drupal-link-system-path="node/60211">2022</a> </li> <li> <a href="/center-financial-research/2021-externally-published-research" data-drupal-link-system-path="node/60216">2021</a> </li> <li> <a href="/center-financial-research/2020-externally-published-research" data-drupal-link-system-path="node/60221">2020</a> </li> <li> <a href="/center-financial-research/2019-externally-published-research" data-drupal-link-system-path="node/60226">2019</a> </li> <li> <a href="/center-financial-research/2018-externally-published-research" data-drupal-link-system-path="node/60231">2018</a> </li> <li> <a href="/center-financial-research/2017-externally-published-research" data-drupal-link-system-path="node/60236">2017</a> </li> <li class="last"> <a href="/center-financial-research/2016-externally-published-research" class="last" data-drupal-link-system-path="node/60241">2016</a> </li> </ul> </li> <li class="expanded dropdown active active-trail"> <a href="/center-financial-research/bank-research-conference" class="expanded dropdown active active-trail dropdown-toggle active-trail" data-toggle="dropdown" data-drupal-link-system-path="node/60246">Bank Research Conference <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="expanded dropdown first"> <a href="/center-financial-research/23rd-bank-research-conference" class="expanded dropdown first" data-drupal-link-system-path="node/60316">23rd Bank Research Conference</a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/23rd-bank-research-conference-agenda" class="first" data-drupal-link-system-path="node/60321">Conference Agenda</a> </li> <li> <a href="/center-financial-research/23rd-annual-bank-research-conference-poster-videos" data-drupal-link-system-path="node/119581">23rd Annual Bank Research Conference Poster Videos</a> </li> <li> <a href="/center-financial-research/23nd-annual-bank-research-conference-videos" data-drupal-link-system-path="node/120971">Conference Videos</a> </li> <li class="last"> <a href="/center-financial-research/speaker-information-2024" class="last" data-drupal-link-system-path="node/118831">Speaker Information - 2024</a> </li> </ul> </li> <li class="expanded dropdown"> <a href="/center-financial-research/22nd-bank-research-conference" class="expanded dropdown" data-drupal-link-system-path="node/60296">22nd Bank Research Conference</a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/22nd-bank-research-conference-agenda" class="first" data-drupal-link-system-path="node/60301">Agenda</a> </li> <li> <a href="/center-financial-research/22nd-annual-bank-research-conference-videos" data-drupal-link-system-path="node/60311">Conference Videos</a> </li> <li class="last"> <a href="/center-financial-research/speaker-information-1" class="last" data-drupal-link-system-path="node/60306">Speaker Information</a> </li> </ul> </li> <li class="expanded dropdown"> <a href="/center-financial-research/21st-annual-bank-research-conference" class="expanded dropdown" data-drupal-link-system-path="node/60271">21st Bank Research Conference</a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/21st-annual-bank-research-conference-videos" class="first" data-drupal-link-system-path="node/60281">Conference Videos</a> </li> <li> <a href="/center-financial-research/poster-videos" data-drupal-link-system-path="node/60286">Poster Videos</a> </li> <li class="last"> <a href="/center-financial-research/speaker-information-0" class="last" data-drupal-link-system-path="node/60276">Speaker Information</a> </li> </ul> </li> <li class="expanded dropdown active active-trail"> <a href="/center-financial-research/20th-annual-bank-research-conference" class="expanded dropdown active active-trail active-trail" data-drupal-link-system-path="node/60251">20th Bank Research Conference</a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/conference-videos" class="first" data-drupal-link-system-path="node/60261">Conference Videos</a> </li> <li> <a href="/center-financial-research/poster-session-videos" data-drupal-link-system-path="node/60266">Poster Session Videos</a> </li> <li class="active active-trail last"> <a href="/center-financial-research/speaker-information" class="active active-trail last active-trail is-active" data-drupal-link-system-path="node/60256">Speaker Information</a> </li> </ul> </li> <li class="last"> <a href="/center-financial-research/previous-conference-programs" class="last" data-drupal-link-system-path="node/60291">Previous Conference Programs</a> </li> </ul> </li> <li> <a href="/center-financial-research/other-conferences" data-drupal-link-system-path="node/60371">Other Conferences</a> </li> <li class="expanded dropdown"> <a href="/center-financial-research/academic-challenge" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60441">Academic Challenge <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/fdic-academic-challenge-videos" class="first" data-drupal-link-system-path="node/60451">Videos</a> </li> <li> <a href="/center-financial-research/2021-2022-fdic-academic-challenge" data-drupal-link-system-path="node/60446">2021-2022 FDIC Academic Challenge</a> </li> <li class="last"> <a href="/center-financial-research/2020-2021-fdic-academic-challenge" class="last" data-drupal-link-system-path="node/60456">2020-2021 FDIC Academic Challenge</a> </li> </ul> </li> <li class="expanded dropdown"> <a href="/center-financial-research/seminar-series" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60326">Seminar Series <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/2024-seminar-series" class="first" data-drupal-link-system-path="node/60336">2024</a> </li> <li> <a href="/center-financial-research/2023-seminar-series" data-drupal-link-system-path="node/60341">2023</a> </li> <li> <a href="/center-financial-research/2022-seminar-series" data-drupal-link-system-path="node/60346">2022</a> </li> <li> <a href="/center-financial-research/2021-seminar-series" data-drupal-link-system-path="node/60351">2021</a> </li> <li> <a href="/center-financial-research/2020-seminar-series" data-drupal-link-system-path="node/60356">2020</a> </li> <li> <a href="/center-financial-research/2019-seminar-series" data-drupal-link-system-path="node/60361">2019</a> </li> <li class="last"> <a href="/center-financial-research/seminar-series-archive" class="last" data-drupal-link-system-path="node/60331">Prior Years</a> </li> </ul> </li> <li class="expanded dropdown"> <a href="/center-financial-research/careersfellowships" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60416">Careers/Fellowships <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/economists" class="first" data-drupal-link-system-path="node/60421">Economists</a> </li> <li> <a href="/center-financial-research/research-assistants" data-drupal-link-system-path="node/60426">Research Assistants</a> </li> <li> <a href="/center-financial-research/internships" data-drupal-link-system-path="node/60431">Internships</a> </li> <li class="last"> <a href="/center-financial-research/visiting-scholars" class="last" data-drupal-link-system-path="node/60436">Visiting Scholars</a> </li> </ul> </li> <li class="last"> <a href="/center-financial-research/contact" class="last" data-drupal-link-system-path="node/60366">Contact</a> </li> </ul> </div> </div> <main id="main-content" class="ds-region-middle order-1 mobile--order-0"> <div id="block-fdic-theme-content" class="block block-system block-system-main-block"> <article data-me-edit-screen-key="2928cbe4-4377-410e-805c-434694c5bf21" data-me-edit-screen-entity-id="60256" class="node--wholepage"> <div> <div class="field field--name-field-content field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-2020-header.jpg" width="985" height="232" alt="20th Annual Bank Research Conference"> </div></div> </div> <p>The 20th Annual Bank Research Conference, presented by the FDIC’s Center for Financial Research and the Journal of Financial Services Research (JFSR), will be held virtually on December 2-3, 2021, with a Fast Track Session held on December 1 and Poster Sessions to be posted on the Conference website.</p><table><thead><tr><th>Speakers and Panelists</th></tr></thead><tbody><tr><td><p><strong>Jelena McWilliams&nbsp;</strong><br>Chairman, Federal Deposit Insurance Corporation</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/mcwilliams2-small.jpg" width="232" height="300" alt="Chairman McWilliams"> </div></div> </div> <p><a href="/about/jelena-mcwilliams/">Chairman McWilliams</a> was sworn in as the 21st Chairman of the FDIC on June 5, 2018. She serves a six-year term on the FDIC Board of Directors, and is designated as Chairman for a term of five years.</p></td></tr><tr><td><p><strong>Adrien Alvero&nbsp;</strong><br>Columbia University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/alvero.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Adrien Alvero is a Ph.D. candidate at Columbia Business School and a Research Associate at TRG Management. His research interests center around financial regulation, credit markets, currencies, and monetary policy. Prior to his Ph.D., Adrien worked for the Swiss National Bank on exchange rate assessment models and international capital flows. Adrien holds a BSc in Economics and a MSc in Finance from the University of Lausanne.</p></td></tr><tr><td><p><strong>Deniz Anginer&nbsp;</strong><br>Simon Fraser University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/anginer.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Deniz Anginer is a professor of finance at the Beedie Business School at Simon Fraser University. He conducts research in banking and capital markets. His research has been widely cited by academics, policy makers and media. Prior to joining the Beedie School of Business at Simon Frazier University, he was an economist at the Development Research Group at the World Bank, working on issues related to green finance, international banking and capital markets. Deniz has a Phd in Finance from the Ross School of Business at the University of Michigan. Prior to his graduate studies, Deniz worked as a consultant for Oliver Wyman in their New York office.</p></td></tr><tr><td><p><strong>Antje Berndt</strong><br>Australian National University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/berndt.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Antje Berndt joined the Australian National University (ANU) as a Professor of Finance in 2016. Her research focuses on the theoretical and empirical analysis of sources of delinquency risk, including corporate credit risk, mortgage default risk and fiscal risk. She has published in leading finance and economics journals, and her work has been featured in the <em>Wall Street Journal</em> and on CNBC Squawk Box, NPR Market Place and Reuters. She has presented her research at NBER workshops, the AFA, WFA, EFA and SED annual meetings, and in over 70 invited seminars. Antje Berndt was the recipient of the ANU Futures Scheme, PNC Professorship in Computational Finance, the GARP Research Management Award, the Fulbright Enterprise Scholarship, the Moody's research award, and NSF and NSA funding, among others. She holds a Ph.D. from Stanford University, a M.A. from Columbia University and a Diploma from the University of Kiel, Germany. Prior to joining ANU, Antje Berndt held academic appointments at NC State University, Carnegie Mellon University, and Cornell University.</p></td></tr><tr><td><p><strong>Jose Berrospide</strong><br>Federal Reserve Board of Governors</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/berrospide.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Jose Berrospide is chief of the Financial Institution Risk Evaluation section within the Division of Financial Stability at the Federal Reserve Board in Washington, D.C. In this position, he leads a team responsible for identifying and measuring systemic risks of large and systemically important financial institutions.</p><p>Mr. Berrospide conducts policy analysis and research in the areas of financial stability, supervisory stress tests, and the regulation of systemically important financial institutions. His main research areas of interests include banking and financial institutions and empirical corporate finance. His current research centers on the effects of bank capital and bank capital regulation on lending, the transmission of shocks through multi-market banks, cross-border effects of regulations, banks' liquidity hoarding, and the real effects of corporate credit lines. His research has been published in the <em>International Journal of Central Banking</em>, <em>Journal of Financial Stability</em>, and the <em>Journal of Money, Credit, and Banking</em>.</p><p>Prior to joining the Federal Reserve Board, he worked as an economist at the Central Bank of Peru. He received his Ph.D. in economics from the University of Michigan in 2007.</p></td></tr><tr><td><p><strong>Saki Bigio</strong><br>University of California, Los Angeles</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>&nbsp;</p></td></tr><tr><td><p><strong>Mark Carey</strong><br>Federal Reserve Bank of Cleveland</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/carey.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Mark Carey is a senior economic and policy advisor in the Research Department of the Federal Reserve Bank of Cleveland. He conducts research on business debt markets and corporate finance, risk management (especially credit risk), banking and financial intermediation, and financial stability.</p><p>Before joining the Bank in 2021, Dr. Carey was co-President of the GARP Risk Institute (2018-2021) and was on the staff of the Board of Governors of the Federal Reserve System, ending as Associate Director of the Division of International Finance (1990-2018).</p><p>Dr. Carey is co-Director of the NBER’s Risks of Financial Institutions Working Group. He is an Editor of the Journal of Financial Services Research and an Associate Editor of the Journal of Financial Intermediation. He received his BA in economics from Oberlin College in 1980 and his Ph.D in economics from the University of California, Berkeley in 1990.</p></td></tr><tr><td><p><strong>Jason Chen</strong><br>Drexel University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Jason Chen is a Ph.D. student in finance at Drexel University. His research interest is in empirical corporate finance focusing on corporate governance and economics of regulation. Prior to joining Drexel, he worked at a commercial bank in Shanghai for two years. Before that, he obtained an MSc in economics from the Chinese University of Hong Kong and his bachelor's degree with triple majors in finance, actuarial studies, and statistics from the UNSW (Australia).</p></td></tr><tr><td><p><strong>Anna Chernobai</strong><br>Syracuse University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/chernobai.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Anna Chernobai is an Associate Professor of Finance at the M.J. Whitman School of Management at Syracuse University. The focus of her research is operational risk in banks, default risk, stochastic processes, and applied statistics and probability. Her work in the area of operational risk received recognition from the industry and she was named one of the "Top 50 Faces of Operational Risk." She has published in leading journals such as the <em>Journal of Monetary Economics</em>, <em>Journal of Financial and Quantitative Analysis</em>, <em>Journal of Banking and Finance</em>, <em>MIS Quarterly</em>, <em>Journal of Accounting Information Systems</em>, and <em>Real Estate Economics</em>. She is also an author of the book <em>Operational Risk: A Guide to Basel II Capital Requirements, Models, and Analysis</em>, Wiley Finance, 2007.</p></td></tr><tr><td><p><strong>Felix Corell&nbsp;</strong><br>European University Institute</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/corell.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Felix Corell is a PhD candidate in Economics at the European University Institute in Florence, Italy. He has been a visiting PhD student at NYU and Columbia University and he is currently an external research consultant to the European Central Bank. His research focuses on banking, financial networks, monetary policy, and financial stability. Felix is on the job market 2021/22 and available for interviews.</p></td></tr><tr><td><p><strong>Ricardo Correa&nbsp;</strong><br>Federal Reserve Board of Governors</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/correa.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Ricardo Correa is a Senior Adviser in the Division of International Finance at the Board of Governors of the Federal Reserve System. He conducts policy analysis in the areas of international banking and financial stability and his research focuses on banking, empirical corporate finance, and international finance topics. His work has been published in the Journal of Financial Economics, Review of Financial Studies, and Journal of Financial Intermediation, amongst others. He received a Ph.D. in economics from Columbia University and a B.A. in economics from the Universidad de los Andes in Bogotá, Colombia.</p></td></tr><tr><td><p><strong>Hans Degryse&nbsp;</strong><br>KU Leuven</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/degryse.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Hans Degryse is Professor of Finance at the Department of Accountancy, Finance and Insurance of the KU Leuven. He is a research fellow at the CEPR, CESIfo, the European Banking Center (EBC), SUERF, and TILEC. Before joining Leuven in 2012, he was professor of finance at Tilburg University. His research focuses on financial intermediation, including empirical banking as well as theoretical and empirical market microstructure.</p><p>He has published in many journals including the <em>American Economic Review</em>, <em>Journal of Finance</em>, <em>Journal of Financial Economics</em>, <em>Review of Financial Studies</em>, <em>Management Science</em>, <em>Review of Finance</em>, <em>Journal of Financial Intermediation</em>, and the <em>Economic Journal</em>, and it has been presented in leading international conferences such as the <em>American Finance Association</em>, the <em>Western Finance Association</em>, the <em>European Finance Association</em>, and the <em>Financial Intermediation Research Society</em>. He co-authored, with Moshe Kim and Steven Ongena, the graduate textbook <em>Microeconometrics of Banking: Methods, Applications and Results</em> published by Oxford University Press</p></td></tr><tr><td><p><strong>Robert DeYoung&nbsp;</strong><br>University of Kansas</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/deyoung.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Robert (Bob) DeYoung is the Koch Distinguished Professor in Business Economics and the Harold Otto Chair in Austrian Economics at the University of Kansas School of Business.</p><p>Prior to joining the KU faculty, Professor DeYoung was an Associate Director of Research at the Federal Deposit Insurance Corporation, an Economic Advisor at the Federal Reserve Bank of Chicago, a Senior Economist at the Office of the Comptroller of the Currency, and a Joyce Foundation Teaching Fellow at Beloit College. He is currently co-editor of the <em>Journal of Money, Credit and Banking</em> at The Ohio State University.</p><p>Bob was born and raised in New Jersey, where he worked his way through college at Rutgers University-Camden. He earned a PhD degree in economics from the University of Wisconsin-Madison. He lives on a ranch near Baldwin City, Kansas with his lovely wife Julie and many other domesticated animals.</p></td></tr><tr><td><p><strong>Sebastian Doerr&nbsp;</strong><br>Bank for International Settlements</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/doerr.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Sebastian Doerr is an economist at the Bank for International Settlements. He holds a PhD from the University of Zurich. At the BIS, he does research on the consequences of financial innovation for competition, data privacy and credit supply. Beyond innovation, he also analyses how macroeconomic trends, such as housing booms, population aging or rising inequality, affect the financial sector and the real economy. His work has been published in the <em>Journal of Finance</em>, <em>Journal of Financial Economics</em> and <em>Review of Finance</em>, and featured in <em>The Economist</em>, <em>Wallstreet Journal</em> and <em>Financial Times</em>, among others.</p></td></tr><tr><td><p><strong>Ding Du&nbsp;</strong><br>Office of the Comptroller of the Currency</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/du.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Dr. Ding Du is a Senior Financial Economist in the Commercial Credit Risk Analysis Division within the Economics Department of the Office of the Comptroller of the Currency (OCC). Prior to joining the OCC in 2017, Dr. Du taught at universities for 14 years. Dr. Du's current research focuses on systematic and climate risk of banks. Dr. Du earned a Ph.D. in Economics from West Virginia University and an M.A. in Economics from Nankai University in China.</p></td></tr><tr><td><p><strong>Mark Flannery&nbsp;</strong><br>University of Florida</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>&nbsp;</p></td></tr><tr><td><p><strong>Nathan Foley-Fisher&nbsp;</strong><br>Federal Reserve Board of Governors</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/foley-fisher.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Nathan Foley-Fisher is a Principal Economist in the Division of Research and Statistics of the Federal Reserve Board of Governors in Washington, D.C. His research interests span macroeconomics and finance. His recent policywork focuses on financial markets and the activities of nonbank financial institutions that may pose a risk to the financial system. He has published papers on corporate bond securities lending, nontraditional activities of life insurance companies, unconventional monetary policy, and sovereign debt.</p></td></tr><tr><td><p><strong>Marco Giometti&nbsp;</strong><br>University of Pennsylvania</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/giometti.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Marco Giometti is a PhD Candidate in Finance at the Wharton School of the University of Pennsylvania, currently on the job market. His research focuses on banking, empirical corporate finance, financial contracting, and political economy. Marco has served as instructor and teaching assistant at the Wharton School for several courses in macroeconomics, banking, corporate finance, and applied research methods. Previously, he was a Summer Associate at Cornerstone Research, a PhD Research Intern at the Bank of Italy, and a Bank Supervision Trainee at the European Central Bank. Marco holds a M.Sc. in Economic and Social Sciences from Bocconi University and a B.A. in Economics and Business from the University of Pisa, both completed with the highest honors.</p></td></tr><tr><td><p><strong>Tirupam Goel&nbsp;</strong><br>Bank for International Settlements</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/goel.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Tirupam Goel is an economist at the Bank for International Settlements (BIS). His research covers banking and financial regulation, corporate debt markets, and emerging market issues. Tirupam holds a PhD in economics from Cornell University, and a bachelor’s and a master’s degree in mathematics from the Indian Institute of Technology (IIT), Kanpur.</p></td></tr><tr><td><p><strong>Linda Goldberg&nbsp;</strong><br>Federal Reserve Bank of New York</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/goldberg.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Linda Goldberg is a Senior Vice President at the Federal Reserve Bank of New York. Linda's main areas of expertise are global banking, international capital flows, and the international roles of currencies. Linda is the co-chair of the International Banking Research Network, Bank for International Settlements Technical Advisor, CEPR Distinguished Fellow, and an NBER Research Associate. Linda is co-editor of the <em>International Journal of Central Banking</em> and on editorial boards of the <em>Journal of Financial Intermediation</em> and <em>Journal of Financial Services Research</em>. She leads the Americas chapter of the Central Banking Economic Research Association, is Executive Sponsor of the WoMEN’s Network at the Federal Reserve Bank of New York, and is the Vice President of the Association of Princeton Graduate Alumni. Linda previously engaged with the World Economic Forum, including as chair and vice chair of the Council on Global Economic Imbalances. Linda has a PhD in Economics from Princeton University, and a B.A. in Mathematics and Economics from Queens College CUNY, where she graduated Phi Beta Kappa and Summa Cum Laude</p></td></tr><tr><td><p><strong>Manasa Gopal&nbsp;</strong><br>Georgia Institute of Technology</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/gopal.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Manasa Gopal is an Assistant Professor of Finance at the Scheller College of Business, Georgia Tech. Her research interests lie in financial intermediation and corporate finance. She studies business lending in the U.S. with a special focus on the role of nonbanks in small business lending.</p></td></tr><tr><td><p><strong>Isabel Hanisch&nbsp;</strong><br>University of Notre Dame</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/hanisch.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Isabel Hanisch is a Postdoctoral Scholar at the Department of Economics at the University of Notre Dame, where she defended her dissertation in May 2021. Isabel is a macroeconomist focusing on the transmission of monetary policy and the implications of structural changes on policy making. In her most recent work, she analyzes the role of the structure of the banking sector for the transmission of monetary policy. Before joining Notre Dame, Isabel completed the Advanced Studies Program in International Economic Policy Research at the Kiel Institute for the World Economy, received an M.Sc. in International and Monetary Economics from the Universities Basel and Bern, and a B.Sc. in Economics from the University of Munich.</p></td></tr><tr><td><p><strong>Ai He&nbsp;</strong><br>University South Carolina</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/he-a.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Ai He is an assistant professor of finance at the Darla Moore School of Business. She completed her Ph.D. in finance at Emory University. She has previously studied at Shanghai Jiao Tong University. Her primary research interests include ESG finance, empirical asset pricing, banking, and financial institutions.</p></td></tr><tr><td><p><strong>Zhiguo He&nbsp;</strong><br>University of Chicago</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/he-z.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Zhiguo He is a Chinese financial economist serving as the Fuji Bank and Heller Professor of Finance at the University of Chicago Booth School of Business, where he has taught since 2008. He serves as the Director of Becker Friedman Institute China and Co-Director of the Fama-Miller Center. He is also a research associate at the National Bureau of Economic Research, member of the academy committee at the Luohan Academy, and special-term Alibaba Foundation Professor of Finance at Tsinghua University. He earned his Ph.D. from the Kellogg School of Management at Northwestern University.</p></td></tr><tr><td><p><strong>Gerard Hoberg&nbsp;</strong><br>University of Southern California</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/hoberg.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Gerard Hoberg is the Charles E. Cook Community Bank Professor of Finance at the USC Marshall School of Business, where he has been a member of the faculty since 2014. He was previously at the University of Maryland Smith School of Business, and received his PhD from Yale University in 2004. His research is primarily in the area of corporate finance with a focus on topics including initial public offerings, mergers, disclosure, fraud, informational environments and the role of industrial organization and product market competition in corporate finance and related areas. He is also known for methodological contributions that bring technologies from computational linguistics into research in financial economics. Gerard also spent one year as a Visiting Scholar at the Securities and Exchange Commission. His work has been published in scholarly journals including: <em>Journal of Finance</em>, <em>Journal of Financial Economics</em>, <em>Journal of Political Economy</em>, and <em>Review of Financial Studies</em>. He was also awarded three NSF grants and served as an Associate Editor to the <em>Review of Financial Studies </em>. His teaching interests are in corporate finance, especially in the area of mergers, financial restructuring, and issuance.</p></td></tr><tr><td><p><strong>Alexandros Kontonikas&nbsp;</strong><br>University of Essex</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/kontonikas.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Alexandros Kontonikas is a Professor at Essex Business School. He served as the Head of the Finance Group between 2017-2021. He is a graduate of the Athens University of Economics and Business. His main research interests are in the links between monetary policy, asset pricing and bank behaviour. He has published in several journals, including the <em>Review of Asset Pricing Studies</em>, <em>Journal of Money Credit and Banking</em> and <em>Journal of Banking and Finance</em>. Professor Kontonikas has obtained grants from various sources and has also acted as a research consultant for the European Commission, the European Central Bank and the Bank of Finland.</p></td></tr><tr><td><p><strong>Troy Kravitz&nbsp;</strong><br>Federal Deposit Insurance Corporation</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/kravitz.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Troy Kravitz is a research economist in the FDIC’s Center for Financial Research. His interests include competition and market structure. Troy completed his PhD at the University of California, San Diego where he studied game theory.</p></td></tr><tr><td><p><strong>Shohini Kundu&nbsp;</strong><br>University of California, Los Angeles</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/kundu.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Shohini Kundu is an Assistant Professor of Finance at the Anderson School of Management at University of California, Los Angeles. Her research focuses on financial intermediation, regulation, corporate finance and macroeconomics. She was a finalist in the ECB’s Young Economists’ Competition, and received the BlackRock Applied Research Award, Qatar Centre for Global Banking and Finance Young Economist Prize, WFA Award for Outstanding Research, Eugene F. Fama Fellowship, and Stigler Center Dissertation Award for her doctoral work. She holds a PhD in Finance and MBA from the University of Chicago Booth School of Business, and a BA in Economics from Cornell University.</p></td></tr><tr><td><p><strong>Elena Loutskina&nbsp;</strong><br>University of Virginia</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/loutskina.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Elena Loutskina, Professor of Business Administration and Peter M. Grant II Bicentennial Foundation Chair in Business Administration at the Darden School of Business, University of Virginia. Loutskina's research is centered on the financial intermediation. She originally started her career by exploring the impact of securitization on management of financial and nonfinancial corporations. Over time, her research interest expanded to address topics in consumer finance, mortgage markets, small business lending and regulation of financial intermediaries. Her work has been published in top academic journals including the <em>Journal of Finance</em>, <em>Review of Financial Studies</em> and the <em>Journal of Financial Economics</em>.</p><p>Since joining Darden she has taught a number of classes, including core "Corporate Finance," "Impact Investing," “FinTech,” ”"Entrepreneurs Finance and Private Equity," and "Due Diligence in Seed Funds." She received faculty teaching awards and was recognized by students and the dean's office for her teaching accomplishments. In 2019 she received UVA Alumni Association Distinguished Professor Award, the most prestigious teaching award at the University of Virginia.</p></td></tr><tr><td><p><strong>John Lynch&nbsp;</strong><br>Ohio State University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>John Lynch is a 5th year PhD candidate in finance at Ohio State University's Fisher College of Business, who is currently on the job market. His background and research interests are in empirical corporate finance and household finance with work in FinTech and banking. You can see his CV and research at <a href="https://sites.google.com/view/john-lynch">https://sites.google.com/view/john-lynch</a>.</p></td></tr><tr><td><p><strong>David Martinez-Miera&nbsp;</strong><br>Universidad Carlos III</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/martinez-miera.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>David Martinez Miera is an Associate Professor of finance in the Business Department at Carlos III University where he teaches financial management.</p><p>He holds a PhD in Economics from the Centro de Estudios Monetarios y Financieros (CEMFI) and UIMP, an MSc in Economics and Finance from CEMFI and a BSc in Business Administration from the University of La Rioja.</p><p>His research focuses on corporate finance, in particular on issues related to banking. His research has been published in journals such as <em>Econometrica</em>, <em>Review of Financial Studies</em> or <em>Review of Finance</em>.</p></td></tr><tr><td><p><strong>Gregor Matvos&nbsp;</strong><br>Northwestern University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>&nbsp;</p></td></tr><tr><td><p><strong>Ralf Meisenzahl&nbsp;</strong><br>Federal Reserve Bank of Chicago</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/meisenzahl.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Ralf Meisenzahl is a senior economist and economic advisor on the finance team in the economic research department at the Federal Reserve Bank of Chicago. His research focuses on financial intermediation, linkages between finance and the real economy, and economic history. His work has been published in several academic journals including the Quarterly Journal of Economics, Review of Economic Studies, Journal of Financial Economics, and Review of Financial Studies. Before joining the Chicago Fed in August 2019, Ralf served as an principal economist at the Federal Reserve Board. He received a diploma in economics from University of Mannheim and a Ph.D. in economics from Northwestern University.</p></td></tr><tr><td><p><strong>Martin Oehmke&nbsp;</strong><br>London School of Economics</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/oehmke.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Martin Oehmke is a Professor of Finance at the London School of Economics and a research fellow at CEPR. Previously, he was the Roger F. Murray Associate Professor of Finance at Columbia Business School and a Faculty Research Fellow in the NBER’s corporate finance program. Martin received his PhD in Economics from Princeton in 2009. His main research interests are financial intermediation and corporate finance theory. Martin is the author of numerous articles in leading journals in finance and economics. He is a member of the Advisory Scientific Committee of the European Systemic Risk Board, is an associate editor at the <em>Journal of Finance</em>, and serves on the editorial board of the <em>Review of Economic Studies</em>. He is the current president of the Finance Theory Group, a past winner of the Brattle Distinguished Paper Award, and the recipient of an ERC Starting Grant.</p></td></tr><tr><td><p><strong>Christine Parlour&nbsp;</strong><br>University of California, Berkeley</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/parlour.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Christine A. Parlour is the Sylvan C. Coleman Chair of Finance and Accounting at Berkeley Haas. Most of her work is in institutionally complex areas, such as market microstructure and banking. Her current work focuses on changes in the payments system and the effects on bank balance sheets. She has written for major finance and economics journals. She has been on the Nasdaq Economic Advisory Board and is currently on the steering committee for the New Special Study of Securities Markets.</p></td></tr><tr><td><p><strong>George Pennacchi&nbsp;</strong><br>University of Illinois, Urbana</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/pennacchi.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>George G. Pennacchi is the Fred S. Bailey Professor of Money, Banking, and Finance at the University of Illinois. His research focuses on financial institutions, fixed-income securities, and government guarantees. He is a Research Associate at the Federal Reserve Bank of Cleveland and a Research Fellow at the Bank of Finland. He was President of the Financial Intermediation Research Society and served on the editorial boards of several journals including the <em>Journal of Financial Intermediation</em>, the <em>Journal of Finance</em>, the <em>Journal of Financial and Quantitative Analysis</em>, <em>Management Science</em>, and the <em>Review of Financial Studies</em>. He has consulted for the Financial Stability Board, the Federal Deposit Insurance Corporation, the U.S. Office of Management and Budget, the World Bank, the International Monetary Fund, and the Federal Reserve Board of Governors. Previous faculty appointments were at the Wharton School of the University of Pennsylvania and Bocconi University.  Mr. Pennacchi received a Sc.B. degree in applied mathematics from Brown University and a Ph.D. in economics from the Massachusetts Institute of Technology.</p></td></tr><tr><td><p><strong>David Pothier&nbsp;</strong><br>University of Vienna</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/pothier.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>David Pothier is Assistant Professor of Finance at the University of Vienna since 2017. He obtained a Ph.D. in Economics from the European University Institute in 2013. His research interests include financial intermediation and corporate finance, with a particular focus on financial fragility, bank capital structure and bank regulation. He has published in the Scandinavian Journal of Economics and the Journal of Financial Intermediation.</p></td></tr><tr><td><p><strong>Nagpurnanand Prabhala&nbsp;</strong><br>Johns Hopkins University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/prabhala.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Dr. Prabhala is the Francis J. Carey, Jr. Endowed Professor in Business and Professor of Finance with the Carey Business School. His primary research interests are in empirical corporate finance and financial intermediation. Prior to joining Carey, Prabhala was Professor and head of the finance area at University of Maryland, College Park. Prabhala also has served as research head at CAFRAL, Reserve Bank of India, and has taught at Indian School of Business, National University of Singapore, and Yale School of Management. His recent research focuses on using spatial methods to understand competition between firms, between actively managed funds, and in the venture capital industry. In addition, he has studied director elections and diversity in boards of directors, the FinTech areas of peer to peer lending and robo-advising, the adoption of FinTech by individuals and banks, and several issues in banking including bank runs, monetary transmission, creditor rights, and bank financing of small firms.</p><p><a href="https://carey.jhu.edu/faculty/faculty-directory/nagpurnanand-prabhala">https://carey.jhu.edu/faculty/faculty-directory/nagpurnanand-prabhala</a></p></td></tr><tr><td><p><strong>Edward "Ned" S. Prescott&nbsp;</strong><br>Federal Reserve Bank of Cleveland</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/prescott.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Ned Prescott is a senior economist and policy advisor in the Research Department at the Federal Reserve Bank of Cleveland. His research focuses on banking, financial markets, and contract theory. Prior to joining the Federal Reserve Bank of Cleveland in 2015, he was a Vice President and economist in the Federal Reserve Bank of Richmond’s Research Department. In spring of 2004, he visited the central bank of Spain and was a visiting professor at CEMFI in Madrid. He is an associate editor of <em>Economic Theory</em> and the <em>Journal of Financial Services Research</em>. He has published articles in journals such as the <em>Journal of Political Economy</em>, the <em>Review of Economic Studies</em>, and the <em>Review of Financial Studies</em>. He holds a B.A. from Swarthmore College and a Ph.D. in economics from the University of Chicago.</p></td></tr><tr><td><p><strong>Manju Puri&nbsp;</strong><br>Duke University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/puri-2.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Manju Puri is the J. B. Fuqua Professor at the Fuqua School of Business, Duke University. Her research focuses on commercial banks, investment banks, venture capital, entrepreneurship and FinTech. Her research has won multiple awards including four best paper awards in top finance journals and six conference best paper awards. Her professional leadership roles include serving as Editor of the <em>Review of Financial Studies</em>, Chair of AFFECT, the American Finance Association (AFA) Female Advocacy Committee, Director of AFA, Vice-President Elect of the Western Finance Association, and past President of Financial Intermediation Research Society. Puri has also served in a number of regulatory/policy capacities. She serves as Senior Advisor to the FDIC, Center for Financial Studies; on the Advisory Panel, Bank for International Settlements, Basel; was on an advisory committee for the Govt. of India; has served on the Model Validation Council at Board of Governors; and served on the Financial Advisory Roundtable (as a group of select economists who advise the President of Federal Reserve Bank, New York). Before joining Duke University, she was on the faculty at the Stanford Graduate School of Business.</p></td></tr><tr><td><p><strong>Koen Schoors&nbsp;</strong><br>Ghent University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>&nbsp;</p></td></tr><tr><td><p><strong>George Shoukry&nbsp;</strong><br>Federal Deposit Insurance Corporation</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/shoukry.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>George Shoukry is a Senior Financial Economist at the FDIC Center for Financial Research. His research interests are in banking, mechanism and regulation design, and applications of machine learning methods. He joined the FDIC in June 2014 after receiving his PhD and MS in Economics from the University of Texas at Austin. He received a BS in Mechanical Engineering from West Virginia University and an MS in Mechanical Engineering from the Georgia Institute of Technology.</p></td></tr><tr><td><p><strong>Philip Strahan&nbsp;</strong><br>Boston College</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/strahan.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Philip E. Strahan holds the John L. Collins, S.J. Chair in Finance at the Carroll School of Management, Boston College. He is also a Research Associate at the National Bureau of Economic Research. Previously, Professor Strahan spent seven years in the Research and Market Analysis Group of the Federal Reserve Bank of New York. He received a Ph.D. in Economics from the University of Chicago in 1993.</p><p>Strahan’s research interests include the structure, efficiency and risk management practices of the financial services industry. He served as a Co-Editor at the <em>Review of Financial Studies</em> and at the <em>Journal of Financial Intermediation</em>, and as President of the Financial Institutions Research Society (FIRS). He has published widely in journals such as the <em>American Economic Review</em>, the <em>Quarterly Journal of Economics</em>, the <em>Journal of Finance</em>, the <em>Journal of Financial Economics</em>, and the <em>Review of Financial Studies</em>.</p></td></tr><tr><td><p><strong>Yuehua Tang&nbsp;</strong><br>University of Florida</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/tang.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Yuehua Tang is the Emerson-Merrill Lynch Associate Professor of Finance at the Warrington College of Business, University of Florida. His research interests include investments, institutional investors, corporate finance, Fintech, and climate finance. He has published in the <em>Journal of Finance</em>, <em>Journal of Financial Economics</em>, <em>Management Science</em>, and <em>Review of Asset Pricing Studies</em>. His research has been featured in major media outlets such as <em>The Wall Street Journal</em>, <em>The Economist</em>, <em>Bloomberg News</em>, <em>CNBC</em>, and <em>The New York Times</em>.</p></td></tr><tr><td><p><strong>Anjan Thakor&nbsp;</strong><br>Washington University in St. Louis</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/thakor.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Anjan Thakor holds the John E.Simon Professorship of Finance, Director of the Olin Business School’s PhD program, and Director of the WFA Center for Finance and Accounting Research. Until July 2003, he was the Edward J. Frey Professorship of Banking and Finance and Chairman of the Finance Group at the University of Michigan Business School. Prior to joining Michigan, he served as the NBD Professor of Finance and Chairman of the Finance Department at the School of Business at Indiana University. Anjan has also served on the faculties of Northwestern University and UCLA. He received his PhD in Finance from Northwestern University. He is a research associate of the <em>European Corporate Governance Institute</em> and a Fellow of <em>The Financial Theory Group</em>. He has served as managing editor of <em>Journal of Financial Intermediation</em> from 1996-2005 and currently serves as an associate editor. He is past-President and a founder of the <em>Financial Intermediation Research Society</em>.</p><p>Anjan’s research interests focus on banking, information economics, and corporate finance. His current research focuses on financial stability, bank capital, innovation, culture and the economics of higher purpose. He has published research articles in leading economics and Finance journals, like <em>The American Economic Review</em>, <em>The Review of Economic Studies</em>, <em>The RAND Journal of Economics</em>, <em>The Economic Journal</em>, <em>International Economic Review</em>, <em>The Journal of Finance</em>, <em>The Journal of Economic Theory</em>, <em>The Journal of Financial Economics</em>, <em>The Journal of Financial Intermediation</em>, and <em>The Review of Financial Studies</em>. In addition to his many published articles, monographs, and book chapters, Anjan has written numerous books, including: <em>The Economics of Higher Purpose</em> (Barrett-Koehler Publishers), <em>The Purpose of Banking: Transforming Banking for Stability and Economic Growth</em> (Oxford University Press; 2019), <em>Contemporary Financial Intermediation</em> (Elsevier, Fourth edition, 2019), <em>Credit, Intermediation and the Macroeconomy: Models and Perspectives</em> (Oxford University Press, 2004), <em>Designing Financial Systems in Transition Economies</em> (MIT Press, 2002), <em>The Value Sphere: The Corporate Executive’s Handbook For Creating and Retaining Shareholder Wealth</em> (World Scientific Press, 2009), <em>Competing Values Leadership</em> (Edward Elgar Publishing, 2006), and <em>Handbook of Financial Intermediation and Banking</em> (Elsevier, 2008).</p><p>In an article published in 2008, he was identified as the fourth most prolific researcher in the world in Finance over the past 50 years based on publications in the top seven Finance journals over that time. In another paper published in 2017, he was listed as one of the five-most prolific Finance authors during 2005–15. In 2021, he received a Lifetime Achievement Award from The Financial Intermediation Research Society for his contributions to financial intermediation research. Anjan has also been actively involved in advising PhD students who have gone on to enjoy distinguished academic careers. He has chaired PhD dissertation committees of over 30 students, and two of his former students from Indiana and Michigan are now his colleagues at Washington University in St. Louis.He has won numerous teaching awards in the MBA, Executive MBA, and PhD programs at Indiana University, University of Michigan and Washington University in St. Louis.</p></td></tr><tr><td><p><strong>Quynh-Anh Vo&nbsp;</strong><br>Bank of England</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/vo.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Quynh-Anh Vo is a Senior Research Economist at the Prudential Policy Directorate of the Bank of England. Prior to joining the Bank of England, Quynh-Anh was a Research Associate at the Department of Banking and Finance, University of Zurich, and prior to that worked at the Norges Bank (Central Bank of Norway) as a Research Economist. She holds a PhD in Economics from Toulouse School of Economics with specialisation in Banking and Corporate Finance.</p><p>Her current research focuses on examining the impact of the post-crisis regulatory framework on banks’ behaviours such as the impact of the leverage ratio requirement on banks’ risk-taking and the interactions between capital and liquidity requirements. She is also undertaking research on the impact of climate change for the financial system. On the policy front, she is contributing to the work of the Basel Committee on Banking Supervision on evaluating the effectiveness of Basel III reforms.</p></td></tr><tr><td><p><strong>Aluna Wang&nbsp;</strong><br>HEC Paris</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/wang.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Aluna Wang is Assistant Professor at the Accounting and Management Control Department and is affiliated with the HEC PARIS Center. She received her PhD and MSc in Industrial Administration from Carnegie Mellon University, where she used to be a PwC Presidential Fellow at the Digital Transformation and Innovation Center. Her research endeavors feature two major themes. One theme is to examine how information transmission mechanisms in the financial market, such as public disclosures and lending relationships, affect real economic outcomes. The other is to develop and deploy machine learning-based tools to improve our understanding of accounting data and provide intelligent solutions to real-world challenges facing financial service professionals in our rapidly changing digital landscape.</p></td></tr><tr><td><p><strong>Gregory Weitzner&nbsp;</strong><br>McGill University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/weitzner.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Gregory Weitzner is a Assistant Professor of Finance at McGill University where his research focuses on empirical and theoretical issues in financial intermediation. His most recent research analyzes how asymmetric information affects local bank lending markets. He received a PhD in Finance from UT Austin and a bachelor's and master's degree in economics from Boston University. Prior to his PhD he worked for two years in investment banking in New York City.</p></td></tr><tr><td><p><strong>Haotian Xiang&nbsp;</strong><br>Peking University</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/xiang.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Haotian Xiang is an Assistant Professor of Finance at Guanghua School of Management of Peking University. He earned a PhD in Finance from the Wharton School of the University of Pennsylvania in 2019 and a BA in Finance from Guanghua School of Management in 2014. He is a theorist working at the intersection of finance and macroeconomics.</p></td></tr><tr><td><p><strong>Anthony Lee Zhang&nbsp;</strong><br>University of Chicago</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/zhang-a.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Anthony Lee Zhang studies questions in market design. His work covers topics including financial derivatives, housing markets, and the allocation of natural resources such as land and electromagnetic spectrum. Zhang has received a number of honors and awards, including the 2019 AQR Top Finance Graduate Award and the 2018 Facebook Fellowship. Zhang earned a BA in economics from the University of Chicago in 2013, where he received the Becker Friedman Institute Award for Academic Achievement in Microeconomics, and a PhD in Economic Analysis and Policy from the Stanford Graduate School of Business in 2019.</p></td></tr><tr><td><p><strong>Jingfang Zhang&nbsp;</strong><br>University of Auburn</p><div class="align-right media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/brc-holder.jpg" width="232" height="300" alt="Speaker photo"> </div></div> </div> <p>Jingfang Zhang is a fifth-year PhD candidate in Applied Economics at Auburn University.</p><p>His research interest is to conduct analyses of firm performance with the emphasis on estimating production technology, productivity, cost effectiveness and their relations with closely related aspects of firm behavior: operational scope, exporting decisions, cross-firm learning and technology spillovers, local neighborhood influences, etc.</p></td></tr></tbody></table> </div> </div></div> </div> </article> </div> <div id="block-fdic-theme-news-last-updated-block" class="text-align-right block block-fdic-custom block-fdic-node-last-updated-block"> <p>Last Updated: November 23, 2021</p> </div> </main> </div> </div> <footer class="usa-footer usa-footer--medium" role="footer"> <div class="footer-primary"> <div class="grid-container flex-row-wrap flex-center-x flex-children-1 mobile--flex-col"> <div id="block-fdic-theme-footercontactthefdic" class="block block-block-content block-block-content1ad48bca-4eaa-42fe-9f6e-ca59046baba4"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="text-center"><p class="font-size-1p5 text-fdic-white font-title margin-bottom-1p6875 text-center font-weight-100">CONTACT THE FDIC</p><div class="flex-row-nowrap flex-center-xy margin-bottom-1p5"><a class="usa-button" style="max-width:275px;" href="/contact">CONTACT US</a></div></div></div></div> </div> <div id="block-fdic-theme-footerstayinformed" class="block block-block-content block-block-contentb03f2d44-4fe5-4b57-b078-1dadb83ffee5"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="flex-col flex-center-xy text-white border-left-half-pixel-white border-right-half-pixel-white mobile:border-none mobile:border-top-half-pixel-white mobile:border-bottom-half-pixel-white" style="padding:1rem;"><p class="font-size-1p5 text-fdic-white font-title margin-bottom-1p6875 text-center font-weight-100">STAY INFORMED</p><form class="usa-form width-full" action="https://public.govdelivery.com/accounts/USFDIC/subscribers/qualify" accept-charset="UTF-8" method="post"><div class="width-full flex-col flex-center-xy"><input type="hidden" name="authenticity_token" value="j1E/fYVkoSM7tHw2qwDlob2DvT78RtfQKBwd1buCKxnBBGe5cL0xfkbCHh+JMub0yU6qc8JBwQiqf0/BDff6BQ=="> <input type="hidden" name="topic_id" id="topic_id" value="USFDIC"> <label class="sr-only" for="email">Enter your email address</label> <input class="usa-input margin-top-0" id="email" name="email" type="email" placeholder="Enter your email address:"> <button class="usa-button margin-y-1p5" style="max-width:275px;" type="submit" aria-label="Subscribe"> Subscribe </button></div></form><div class="flex-row-nowrap flex-center-xy margin-bottom-1p5" style="grid-gap:0.5rem;"><div class="grid-col-auto"><a class="fab fa-facebook-f usa-icon usa-icon--gold-circle text-ls-0" href="https://www.facebook.com/FDICgov/" aria-label="Follow the FDIC on Facebook" rel="noopener noreferrer" target="_blank" data-extlink><span class="sr-only">Follow the FDIC on Facebook</span></a></div><div class="grid-col-auto"><a class="usa-icon usa-icon--gold-circle text-ls-0" href="https://twitter.com/FDICgov" aria-label="Follow the FDIC on X"><svg height="16" width="16" viewBox="0 0 512 512"><path fill="#ffffff" d="M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z" /><title>Follow the FDIC on X</title></svg><span class="sr-only">Share on X</span></a></div><div class="grid-col-auto"><a class="fab fa-instagram usa-icon usa-icon--gold-circle text-ls-0" href="https://www.instagram.com/fdicgov/" aria-label="Follow the FDIC on Instagram" rel="noopener noreferrer" target="_blank" data-extlink><span class="sr-only">Follow the FDIC on Instagram</span></a></div><div class="grid-col-auto"><a class="fab fa-linkedin-in usa-icon usa-icon--gold-circle text-ls-0" href="https://www.linkedin.com/company/fdic/" aria-label="Follow the FDIC on LinkedIn" rel="noopener noreferrer" target="_blank" data-extlink><span class="sr-only">Follow the FDIC on LinkedIn</span></a></div><div class="grid-col-auto"><a class="fab fa-flickr usa-icon usa-icon--gold-circle text-ls-0" href="https://www.flickr.com/photos/187818557@N05/" aria-label="Follow the FDIC on Flickr" rel="noopener noreferrer" target="_blank" data-extlink><span class="sr-only">Follow the FDIC on Flickr</span></a></div><div class="grid-col-auto"><a class="fab fa-youtube usa-icon usa-icon--gold-circle text-ls-0" href="https://youtube.com/user/FDICchannel/" aria-label="Follow the FDIC on YouTube" rel="noopener noreferrer" target="_blank" data-extlink><span class="sr-only">Follow the FDIC on YouTube</span></a></div></div></div></div></div> </div> <div id="block-fdic-theme-howcanwehelpyou" class="block block-fdic-custom block-how-can-we-help-you-block"> <div class="flex-col flex-center-xy text-white" style="padding:1rem;"> <p class="font-size-1p5 text-fdic-white font-title margin-bottom-1p6875 text-center font-weight-100"> HOW CAN WE HELP YOU? </p> <form class="usa-form width-full"> <div class="width-full flex-col flex-center-xy"> <label class="usa-sr-only usa-label usa-help__heading font-alt-lg margin-top-0 margin-x-auto margin-bottom-2 text-light text-uppercase" for="fmi4_usertype">Define “I am a . . . ” to learn more specific information </label> <select class="usa-select margin-x-auto" id="fmi4_usertype" onchange="fmi4_update_useraction(this);"> <option value="">I am a...</option> <option value="customer">Bank Customer</option> <option value="banker">Banker</option> <option value="consumer">Consumer</option> <option value="business">Small Business Owner</option> <option value="analyst">Analyst/Researcher/Student</option> <option value="legal">Legal Professional</option> <option value="regulator">Bank Regulator</option> <option value="press">Press/Media</option> <option value="vendor">Vendor/Contractor</option> <option value="legislative">Legislative Staff Member</option> <option value="jobseeker">Jobseeker</option> <option value="courtclerk">Court Clerk</option> <option value="prosprobofficer">Prosecutor/Probation Officer</option> <option value="investigator">Investigator</option> </select> <label class="usa-sr-only" for="fmi4_useraction">Select the information you wish to explore based on who you are</label> <select class="usa-select margin-x-auto" id="fmi4_useraction" onfocus="fmi4_useraction_open();" onchange="fmi4_useraction_chosen(this);"> <option class="default" value="">I want to...</option> </select> <button class="usa-button margin-y-1p5" style="max-width:275px;" type="button" value="Go" onclick="fmi4_click();" aria-label="Get Started"> Get Started </button> </div> </form> </div> </div> </div> </div> <div class="footer-secondary"> <div class="grid-container"> <div id="block-fdic-theme-fdicqualtricswebsitefeedbacksurveyblock" class="block block-fdic-custom block-fdic-fdicgov-website-feedback-block"> <script type="text/javascript"> (function(){var g=function(e,h,f,g){ this.get=function(a){for(var a=a+"=",c=document.cookie.split(";"),b=0,e=c.length;b<e;b++){for(var d=c[b];" "==d.charAt(0);)d=d.substring(1,d.length);if(0==d.indexOf(a))return d.substring(a.length,d.length)}return null}; this.set=function(a,c){var b="",b=new Date;b.setTime(b.getTime()+6048E5);b="; expires="+b.toGMTString();document.cookie=a+"="+c+b+"; path=/; "}; this.check=function(){var a=this.get(f);if(a)a=a.split(":");else if(100!=e)"v"==h&&(e=Math.random()>=e/100?0:100),a=[h,e,0],this.set(f,a.join(":"));else return!0;var c=a[1];if(100==c)return!0;switch(a[0]){case "v":return!1;case "r":return c=a[2]%Math.floor(100/c),a[2]++,this.set(f,a.join(":")),!c}return!0}; this.go=function(){if(this.check()){var a=document.createElement("script");a.type="text/javascript";a.src=g;document.body&&document.body.appendChild(a)}}; this.start=function(){var t=this;"complete"!==document.readyState?window.addEventListener?window.addEventListener("load",function(){t.go()},!1):window.attachEvent&&window.attachEvent("onload",function(){t.go()}):t.go()};}; try{(new g(100,"r","QSI_S_ZN_bEscEUJpuK56yPk","https://znbesceujpuk56ypk-fdicfedramp.gov1.siteintercept.qualtrics.com/SIE/?Q_ZID=ZN_bEscEUJpuK56yPk")).start()}catch(i){}} )(); </script> <style> div.QSISlider > div:nth-child(2) { border-radius: 10px 10px 0 0 !important; } </style> <div id="ZN_bEscEUJpuK56yPk"></div> </div> <nav role="navigation" aria-labelledby="block-fdic-theme-footersecondarymenu-menu" id="block-fdic-theme-footersecondarymenu" class="footer-secondary-menu"> <h2 class="usa-sr-only" id="block-fdic-theme-footersecondarymenu-menu">Footer Secondary Menu</h2> <ul class="menu menu--footer-secondary-menu nav"> <li class="first"> <a href="/policies" class="first">Policies</a> </li> <li> <a href="/help" data-drupal-link-system-path="node/44896">Help</a> </li> <li> <a href="/foia" data-drupal-link-system-path="node/60791">Foia</a> </li> <li> <a href="/espanol" data-drupal-link-system-path="node/117091">En Espanol</a> </li> <li> <a href="/accessibility">Accessibility</a> </li> <li> <a href="/open-government">Open Government</a> </li> <li> <a href="https://www.usa.gov">usa.gov</a> </li> <li> <a href="/about/contact-fdic" data-drupal-link-system-path="node/56081">Contact Us</a> </li> <li> <a href="/about/privacy-program" data-drupal-link-system-path="node/56096">Privacy</a> </li> <li> <a href="/about/plain-writing-act-2010" data-drupal-link-system-path="node/56326">Plain Writing</a> </li> <li> <a href="https://www.fdic.gov/about/diversity/nofear">No Fear Act Data</a> </li> <li class="last"> <a href="https://www.fdicoig.gov" class="last">Inspector General</a> </li> </ul> </nav> </div> </div> </footer> </div> <div id="div_fdic_standard_footer"></div> <script type="application/json" data-drupal-selector="drupal-settings-json">{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/60256","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetNoOverride":false,"extNofollow":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":"fdic\\.gov","extInclude":"","extCssExclude":".glider, .contact-email","extCssExplicit":"","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","mailtoClass":"mailto","mailtoLabel":"(link sends email)","extUseFontAwesome":true,"extIconPlacement":"append","extFaLinkClasses":"fa fa-external-link-alt","extFaMailtoClasses":"fa fa-envelope","whitelistedDomains":[]}},"collapsiblock":{"active_pages":false,"slide_speed":200,"cookie_lifetime":null},"TBMegaMenu":{"TBElementsCounter":{"column":null},"theme":"fdic_theme","tbm-main":{"arrows":""}},"user":{"uid":0,"permissionsHash":"6f7bd0c72a47c3df0d0fd1d2591896948f508144747a247583940a9f3b1ef55f"}}</script> <script src="/sites/default/files/js/js_q_faeVXCTpoVU7pO49GyWH-WQ7Ie69NPn7jrCY_jWVk.js?scope=footer&amp;delta=0&amp;language=en&amp;theme=fdic_theme&amp;include=eJxVj1GOwyAMRC-EwpGQAyaxYjCyodncfmnTVbdftsd6M5qcKIa-Y0EPrRUEG4rOLutY_AqGbtiZLDxXnxUKnqKHyx_s_sdhXYrDn85UD590NODlfboozNCMVpZ4-Cgz4uVwUz5TTWWKVLO4ghqHXgETdVFfMCQCls01UNgU2m5_9h9lGbWNlcl2TNNhEtOUO-oSoXWS-pX3IDxDgw1DlwOrub6GgtssV8dd-r9g_WI094TshdpSJA1GtzElVH-PXxMegbI"></script> <script src="https://unpkg.com/slide-element@2.3.1/dist/index.umd.js"></script> <script src="/sites/default/files/js/js_vYikpr_79e6dVwqX5KXe4y6C6Y8MLHlWr6uTl51jv6Y.js?scope=footer&amp;delta=2&amp;language=en&amp;theme=fdic_theme&amp;include=eJxVj1GOwyAMRC-EwpGQAyaxYjCyodncfmnTVbdftsd6M5qcKIa-Y0EPrRUEG4rOLutY_AqGbtiZLDxXnxUKnqKHyx_s_sdhXYrDn85UD590NODlfboozNCMVpZ4-Cgz4uVwUz5TTWWKVLO4ghqHXgETdVFfMCQCls01UNgU2m5_9h9lGbWNlcl2TNNhEtOUO-oSoXWS-pX3IDxDgw1DlwOrub6GgtssV8dd-r9g_WI094TshdpSJA1GtzElVH-PXxMegbI"></script> <!-- START Omniture SiteCatalyst Code --> <script type="text/javascript"> /************* DO NOT ALTER ANYTHING BELOW THIS LINE ! **************/ if (typeof s !== 'undefined') { var s_code = s.t(); if (s_code) document.write(s_code); } </script> <script type="text/javascript"> if (navigator.appVersion.indexOf("MSIE") >= 0) document.write(unescape("%3C") + "\!-" + "-"); </script> <noscript> <a href="https://www.omniture.com/" title="Web Analytics"> <img src="https://fdic.122.2o7.net/b/ss/fdicgovprod/1/H.21--NS/0?[AQB]%26cl=Session%26AQE" style="height: 1px; width: 1px; border: none;" alt="adobe marketing cloud tracking image" /></a> </noscript> <!--/DO NOT REMOVE/--> <!-- END Omniture SiteCatalyst Code --> </body> </html>

Pages: 1 2 3 4 5 6 7 8 9 10