Anne Beatty is the Deloitte & Touche Endowed Chair in Accounting at The Ohio State University Fisher College of Business and is a Research Fellow at the Cambridge University Judge School of Business. She is a Sloan Foundation Industry Center Fellowship recipient and was a Fellow of the Wharton Financial Institutions Center. She served as a visiting scholar at the Federal Reserve Bank of St. Louis and has presented her work at the Bank for International Settlement, The Bank of Spain and the Federal Deposit Insurance Corporation. In 2021 she received the American Accounting Association Financial Reporting Section’s Distinguished Ph.D. mentoring award. She has served as an editor at the Accounting Review and as an associated editor at the Journal of Accounting & Economics and Management Science.

Her research focuses on the economic effects of accounting with special interest in the importance of accounting in bank regulation and loan contracting and she has published widely in the bank accounting area.  She received a Ph.D. in management from the Massachusetts Institute of Technology Sloan School of Business in 1992, an M.B.A. from the University of Chicago Booth Graduate School of Business in 1983, and a B.A. in economics from The College of the University of Chicago

Michelle W. Bowman took office as a member of the Board of Governors of the Federal Reserve System on November 26, 2018, to fill an unexpired term ending January 31, 2020. In September 2019, she was appointed to 14-year term.  Prior to her appointment to the Board, Bowman served as the state bank commissioner of Kansas from January 2017 to November 2018. She also served as vice president of Farmers & Drovers Bank, Council Grove, Kansas, from 2010 to 2017. In addition to her experience in the banking industry, Bowman worked in Washington, D.C. for Sen. Bob Dole of Kansas from 1995 to 1996 and served as a counsel to the U.S. House Committee on Transportation and Infrastructure and the Committee on Government Reform and Oversight between 1997 and 2002. In 2002, she became director of congressional and intergovernmental affairs at the Federal Emergency Management Agency. From 2003 to 2004, she served as deputy assistant secretary and policy advisor to Homeland Security Secretary Tom Ridge. Following her time in Washington, D.C., Bowman led a government and public affairs consultancy based in London before returning to Kansas in 2010. She received a Bachelor of Science in advertising and journalism from the University of Kansas and her Juris Doctor degree from the Washburn University School of Law, Topeka, Kansas. She is a member of the New York bar association.

WILLIAM YOUNG CARROLL, JR. has served as president and chief executive officer of SmartBank since its inception in 2007 and is also a founding director of SmartBank.
Headquartered in Pigeon Forge, Tennessee, SmartBank is a full-service commercial bank providing banking, investment, insurance, and mortgage financial services with 42 branches
spanning Tennessee, Alabama, and Florida. SmartFinancial, Inc., located in Knoxville, Tennessee, is the holding company for SmartBank.

Mr. Carroll began his career with Kraft CPAs in Nashville, Tennessee. He joined Citizens National Bank in 1992 where he held various management positions, including executive vice
president and chief financial officer. He also served on the Bank’s board of directors as well as the loan committee and asset liability committee.

Mr. Carroll is a member of the board of directors of the Federal Reserve Bank of Atlanta. He also serves on the boards of SmartFinancial and SmartBank, SBK Insurance, and serves as
chair of the Tennessee Bankers Association. He is a member of the University of Tennessee Haslam College of Business Finance Advisory Council and the FIS CEO Strategic Planning
Advisory Council. Mr. Carroll previously served on the boards of the Federal Reserve Bank of Atlanta’s Nashville Branch, The Sevierville Planning Commission, Sevier County Economic
Development Council, and the Great Smoky Mountain Institute at Tremont.

Mr. Carroll earned his BS in business administration from the University of Tennessee.

Jacelly Cespedes is an Assistant Professor of Finance at the University of Minnesota, Carlson School of Management. She earned a Ph.D. in finance at The University of Texas at Austin. Jacelly’s research interests include financial intermediation, consumer finance, and financial technologies (Fintech). She has published in top academic journals, such as the Review of Financial Studies.

Charlie E. Clark was appointed Director of the Washington State DFI on April 1, 2019.  He first joined DFI in 2012 and served in the roles of Division of Consumer Services Enforcement Program Manager and Division Director before serving as agency Deputy Director beginning in November 2016.  Prior to joining the DFI, Charlie represented the DFI as its lead litigation counsel as an Assistant Attorney General from 2005 through 2011.  Prior to joining the Attorney General’s Office, he worked as an attorney in private practice.  Charlie sat on the Board of Directors of the American Association of Residential Mortgage Regulators from 2014 to 2023, serving as its President from 2018 to 2020.  He also currently sits on the Board of Directors and serves as Chair of the Conference of State Bank Supervisors, having previously served as Secretary, Treasurer and Chair-Elect. He received his undergraduate degree in Accounting and an M.B.A. from California State University, Sacramento. He received a J.D. degree from the University of the Pacific, McGeorge School of Law. 

Mustafa Emin is an assistant professor of finance at the University of Alabama. Mustafa's research interests include financial intermediation, private debt, and securitization. His research on credit markets has been presented at various conferences, including the annual meetings of AFA, CICF, FMA, WFA, and the NBER Summer Institute. Mustafa completed his Ph.D. degree in finance at the University of Florida. He also holds an M.Sc. degree in finance from Bocconi University and a B.Sc. degree in physics from Koc University.

Jim Fuchs is a vice president at the Federal Reserve Bank of St. Louis, overseeing the operations of the bank’s Applications, Credit, Reserves, Statistics, Business Line Training Services, Quality Assurance, Digital Transformation Consulting, Supervision Policy Research and Analysis, and Supervision Outreach units. Fuchs also oversees a wide range of national outreach programs developed by the St. Louis Fed for community bankers and is a member of several Federal Reserve System workgroups focused on community banking issues. Fuchs also chairs the organizing committee the Federal Reserve/ Conference of State Bank Supervisors’/FDIC annual Community Banking Research Conference. Before joining the St. Louis Fed, Fuchs served as a banking policy adviser and directed financial communications for New York State Comptroller Thomas DiNapoli. Earlier, he was chief of staff to former New York State Banking Superintendent Diana Taylor and served as an advisor to New York City Mayor Michael Bloomberg. He is a former captain in the United States Air Force serving during Operations Desert Storm, Enduring Freedom, and Iraqi Freedom. Fuchs received his MBA from the University of Missouri-St. Louis and his Bachelor of Science from the U.S. Air Force Academy. He also earned a graduate certificate in communications from the University of Oklahoma and a teaching certificate in secondary mathematics from City College in New York. In addition, Fuchs is a graduate of the Department of Defense Information School and the American Academy of Dramatic Arts. He is also a graduate of the Stonier Graduate School of Banking at the University of Pennsylvania’s Wharton School of Business.

Martin Gruenberg is the chairman of the FDIC Board of Directors. He has been a member of the FDIC Board since August 2005 and previously served as Vice Chairman from August 2005 to July 2011 and as Chairman from November 2012 to mid-2018.  He has also served as Acting Chairman on a number of occasions. Prior to joining the FDIC, Gruenberg served as senior counsel to Sen. Paul S. Sarbanes (D.-Md.) on the staff of the Senate Committee on Banking, Housing, and Urban Affairs from 1993 to 2005. He also served as staff director of the Banking Committee's Subcommittee on International Finance and Monetary Policy from 1987 to 1992. In addition, he served as chairman of the Federal Financial Institutions Examination Council from April 2017 to June 2018. Beginning February 15, 2022, Gruenberg assumed the role of chairman of the Resolution Steering Group (ReSG) of the Financial Stability Board. Since June 2019, Gruenberg has served as chairman of the board of directors of the Neighborhood Reinvestment Corporation (NeighborWorks America), and he has been a board member since April 2018. He received his Juris Doctor from Case Western Reserve Law School and his Bachelor of Arts from Princeton University, Princeton School of Public and International Affairs.

Dmytro Holod is an Associate Professor and Area Head of Finance in the College of Business at Stony Brook University. His main research interests are in the areas of financial intermediation and corporate finance. His research has been published in finance and economics journals, including the the Journal of Money, Credit and Banking; the Journal of Banking and Finance; and Financial Management. Holod teaches corporate finance and banking to undergraduate and graduate students. He received a Ph.D. in Economics from the University of Kentucky.

Edward Kim is an assistant professor of finance at the Stephen M. Ross School of Business, University of Michigan. Kim's main research interests are in the areas of banking, fintech, and household finance. He received a Ph.D. in Finance from UCLA and a B.S. in Economics from MIT. Prior to his doctoral studies, Kim was a research assistant at the Federal Reserve Board of Governors in Washington, D.C.

Orvin Kimbrough, author of Twice Over A Man: A Fierce Memoir of an Orphan Boy Who Doggedly Determined a Finer Life, and Chairman and CEO of Midwest BankCentre, St. Louis' second-largest privately-owned local bank, leverages the bank's robust financial services to empower individuals, bolster businesses, and invigorate neighborhoods. A leading figure in community and economic development, Midwest BankCentre's initiatives under his tenure, including Impact Banking and the Rising Together Foundation, reflect his personal journey from foster care to corporate and community leadership. He serves on a number of public and private boards and is currently a Commissioner with the National Academy of Medicine and the St. Louis Federal Reserve's Community Depository Institutions Advisory Council.

Anya Kleymenova is a Principal Economist at the Board of Governors of the Federal Reserve System. She has expertise in the areas of information economics and financial and disclosure regulation. Her research focuses on financial institutions, liquidity, disclosure, real effects of regulatory changes, and access to credit. Anya received her Ph.D. from London Business School. She also has an undergraduate degree in finance from Georgetown University, McDonough School of Business, an MSc in economics from the London School of Economics, and an MSc in finance and MRes in accounting from London Business School. Anya was a Principal in the financial economics group of Charles River Associates in London, U.K. before her doctoral studies and a visiting researcher at the Bank of England during the last two years of her Ph.D. Prior to joining the Board, Anya was an assistant professor of accounting at the University of Chicago Booth School of Business.

Shohini Kundu is an Assistant Professor of Finance and Law at the University of California, Los Angeles and a Research Affiliate of the CEPR. Her research focuses on financial intermediation and macroeconomics, security design and externalities of financial contracts, and emerging market finance. She received a PhD in Finance and MBA from the University of Chicago Booth School of Business, and a BA in Economics with high honors and distinction from Cornell University.

Thomas S. Leavitt is president and CEO of Northfield Savings Bank, a $1.5 billion Vermont mutual founded in 1867. Leavitt has led NSB since 2014 and serves on the company’s board. He previously was president and CEO of MountainOne Bank in Massachusetts and had lengthy service on the leadership team of Merchants Bank in Vermont. Earlier in his career, Leavitt performed in national roles with industrial and safety distribution companies. He has served on numerous non-profit boards, commissions, and advisory committees, earning community and industry recognition. Leavitt holds a B.S. from the University of New Hampshire and an MBA from the University of Pennsylvania.

Alberto G. Musalem is the president and CEO of the Federal Reserve Bank of St. Louis. In this role, he participates on the Federal Reserve’s Federal Open Market Committee, or FOMC,
which meets at least eight times each year to set the direction of U.S. monetary policy.

He also oversees the activities of the Eighth Federal Reserve District at its St. Louis headquarters and branches in Little Rock, Ark., Louisville, Ky., and Memphis, Tenn. These activities include economic research, fiscal agent responsibilities for the U.S. Treasury, supervision of District financial institutions, community development, and regional payments, transparency, technology and support functions.

As the St. Louis Fed president, Musalem makes public outreach a priority, talking regularly with people and communities across the Eighth District about the economy. Engaging with Main
Street provides him with important insights as he represents the District at the monetary policy table.

Musalem is an economist and executive with nearly three decades of prior public and private sector experience in economic policy, finance and markets. He earned a Ph.D. in economics
from the University of Pennsylvania. He also holds master’s and bachelor’s degrees in economics from the London School of Economics and Political Science. 

Dr. Narayanan’s academic research focuses broadly on issues related to banking and financial markets. His research has been published articles in leading academic journals including the Journal of Financial Economics, Review of Financial Studies and Journal of Money Credit and Banking. He has delivered lectures to and conducted seminars on various topics for executives and technocrats in Brazil, China, the Czech Republic, India, Malaysia and South Africa. His interviews and commentary have been featured in national media outlets such as the Wall Street Journal, CNN/Money, Bloomberg, Fortune as well as in regional and local media outlets such the Times Picayune, The Advocate, Baton Rouge Business report, WBRZ-TV, and WWL-Radio. 

Kathleen Navin is a senior business economist at the Federal Reserve Bank of St. Louis in the division of Supervision. Navin’s responsibilities pertain to analyzing and presenting on economic and banking conditions in the United States and regionally. Prior to joining the Federal Reserve Bank of St. Louis, Navin held the position of Economics Executive Director in U.S. Economics at S&P Global Market Intelligence, joining the firm through the acquisition of Macroeconomic Advisers. In this role, she produced analysis on economic data and forecasts related to the US economic outlook and developed alternative macroeconomic scenarios for use in bank stress testing. She was previously a research associate at the Federal Reserve Bank of Kansas City in the division of Macroeconomics and Monetary Policy. Navin graduated with her Bachelor of Science in Economics and her Master of Arts in Economics from the University of Missouri, Columbia, Missouri. Navin is an active member of the National Association for Business Economics (NABE), currently serving a three-year term as a member of its board of directors. She became a member of NABE’s inaugural class of Certified Business Economists in 2015.

Matthew Plosser is a Financial Research Advisor in Banking Studies within the Financial Intermediation Policy Research Division. He is also a Visiting Lecturer in the Department of Economics at Princeton University.

Matt’s research interests include financial intermediation, banking supervision and household finance. His research has appeared in the Journal of Finance, The Journal of Financial Economics,  the Review of Financial Studies, and the Journal of Financial Intermediation.

He is currently working on research related to assessing bank fragility and evaluating heterogeneity in depositor behavior. In addition to his research, Matt works on model development initiatives for the Federal Reserve stress testing program.

Matt received a PhD and an MBA from the University of Chicago, Booth School of Business in 2012. Prior to graduate school, he worked in the investment banking and asset management industries. His undergraduate degree is from Princeton University.

Joey Samowitz is a director of policy development with the Conference of State Bank Supervisors (CSBS). He serves as the senior analyst and facilitator on multiple committees and provides analysis on regulatory and legislative topics. Samowitz’s areas of focus include cryptocurrency, fintech and bank supervision. He received his bachelor’s degree from the University of Maryland, going on to serve as campaign manager for then Maryland House of Delegates Majority Leader Anne Kaiser. After the campaign’s completion, he worked for the Washington Commanders football team, eventually becoming an assistant for owner Dan Snyder. He joined CSBS in 2017.

Jeff Schmid is the president and chief executive officer of the Federal Reserve Bank of Kansas City.

In his role, Schmid leads a workforce of close to 2,000 employees in Kansas City and its branch offices in Omaha, Denver and Oklahoma City.

The Kansas City Fed is responsible for conducting monetary policy, providing financial services to depository institutions and the U.S. Treasury; and supervising nearly 1,000 banking organizations across its seven-state region, which includes western Missouri, Kansas, Nebraska, Oklahoma, Colorado, Wyoming and northern New Mexico.

Schmid represents the Tenth District on the Federal Open Market Committee, which sets monetary policy for the United States. He participates in each FOMC meeting and will be a voting member in 2025.

Before joining the Kansas City Fed in August 2023, he served as president and CEO of the Southwestern Graduate School of Banking at Southern Methodist University. He has several decades of experience leading banks and began his career as an examiner for the Federal Deposit Insurance Corp.

Thomas Siems is the chief economist with the Conference of State Bank Supervisors (CSBS). He joined CSBS in 2019 after serving 34 years at the Federal Reserve Bank of Dallas and more than 20-year teaching at Southern Methodist University in Dallas. Siems earned a Bachelor of Science in industrial and operations engineering from the University of Michigan and his Master of Science and Ph.D. degrees in operations research from Southern Methodist University. Siems is also a graduate of the Graduate School of Banking at Colorado and has published more than 75 articles in academic, Federal Reserve and referred journals. He delivered a 2015 TEDxSMU Talk, “The Wealth of Innovations,” and has authored five children’s picture books, including “The Dangerous Pet,” which poetically helps readers understand the dangers of debt. 

Brian Sullivan is a senior media relations officer with the Federal Deposit Insurance Corp. (FDIC) and host of the FDIC Podcast. For more than 20 years, he has served in the public sector as a spokesperson and public affairs specialist for the FDIC, the U.S. Department of Housing and Urban Development (HUD), and the Federal Housing Administration (FHA). Prior to his government experience, Sullivan spent the first 20 years of his professional career in broadcasting, which included reporting, editing and producing local and national news at Milwaukee Public Radio, the former Mutual Broadcasting System, Westwood One, NBC Radio and WJLA-TV in Washington, D.C. He received his Bachelor of Arts in journalism from the University of Wisconsin-Madison. Growing up in the D.C. area, Sullivan will tell you he got his real start in the media early on when he delivered newspapers for the Washington Post and Evening Star. 

Carl White is the senior vice president of the Supervision, Credit, Community Development and Learning Innovation division at the Federal Reserve Bank of St. Louis. White has 32 years of experience in the Supervision division, serving in various roles within the Safety and Soundness unit. He began his career as a bank examiner. White has served as lead instructor and course developer for numerous Federal Reserve System training courses, including an international assignment in Brazil. In addition, he served as the central point of contact for the Federal Reserve Eighth District’s largest state member bank before and during the financial crisis. He and his team were nominated for the District’s President’s Award for Innovation as a result of efforts to implement and enhance off-site loan review and examination processes. White holds a bachelor’s degree with a major in finance from St. Louis University.

Rohan Williamson is Professor of Finance and the Bolton Sullivan and Thomas A. Dean Chair of International Business at the McDonough School of Business at Georgetown University. He is also a research Associate at the National Bureau for Economic Research. He has served as Interim Dean of the McDonough School of Business and a member of the Academic Leadership Council.  Professor Williamson specializes in risk management, corporate governance, corporate investment decisions and corporate liquidity.  

His research has appeared in top academic journals as well as practitioner-oriented publications.  He has presented research and served as a panelist or speaker at conferences and seminars around the world.  Professor Williamson’s research has been awarded the Michael Jensen Prize for the best paper published in the Journal of Financial Economics and the William Sharpe Best Paper Award in the Journal of Financial and Quantitative Analysis.     

Professor Williamson is Chairman of the Board of Directors for TIAA Trust and was Chairman of the Board for TIAA Bank and served on the Risk, Trust, Nominating and Governance and Executive Committees. He is a member of the TIAA, FSB Holdings Inc. which is the holding company for the bank and other assets. He also serves as the Chairman of the Board of Document Systems, Inc a small IT Services and IT Consulting firm in Washington, DC. In addition, he serves on the Internal Advisory Committee for the Lombardi Comprehensive Cancer Center at Georgetown University and the Finance Advisory Board of the Fisher College of Business at The Ohio State University.  

Professor Williamson received his PhD and MA from The Ohio State University, an M.B.A from Atlanta University and a Bachelor of Mechanical Engineering from the University of Dayton.  He received The Ohio State University Pace Setters Award and is a member of Beta Gamma Sigma Business Honor Society.

Mary Willis is the Chairman of the Board, Chief Executive Officer, and President of Fidelity BancShares N.C., Inc., and Fidelity Bank, a North Carolina-based commercial bank with $3.9 billion in assets and 57 branches across North Carolina, Southern Virginia, and Upstate South Carolina. Fidelity BancShares was named the Best Performing U.S. Community Bank in 2024 by S&P Global Market Intelligence.

With over 30 years of service at Fidelity Bank, Mary began her career as a part-time teller during high school. Through her unwavering commitment to excellence and leadership, she steadily advanced through various management roles. In 2010, she was appointed Chief Executive Officer and President of BancShares and Fidelity Bank, and in 2011, she assumed the role of Chairman of both Boards. Prior to her current leadership roles, she served as Chief Financial Officer from 1999 to 2010.

Mary's commitment to her community is as strong as her dedication to Fidelity Bank. She holds a Bachelor of Science in Accounting from East Carolina University and is a licensed Certified Public Accountant in North Carolina. Her numerous non-profit commitments include serving as a Member of the North Carolina State Banking Commission, a Trustee and Vice-Chairman of the Board at Campbell University, and a Director for the North Carolina Community Foundation, where she also chairs the Finance Committee. Additionally, she is a past Chairman of the North Carolina Bankers Association.

Cathy Zhang is a post-doctoral associate in accounting at the University of Florida’s Warrington College of Business. Her research interests include household finance, disclosures, and banking. Cathy’s dissertation provides empirical evidence of systematic overpayment in mortgage origination fees and examines practices that can help borrowers secure better mortgage terms. Before entering academia, Cathy was a senior derivatives trader in Sucden Financial, a member firm of London Metals Exchange. She holds a Ph.D. in Finance from the University of Florida and an M.S. in Accountancy from the University of Notre Dame.