Lu Chang, CRO, Angel Oak Capital

Ms. Chang is the Chief Risk Officer at Angel Oak Capital Advisors where she oversees all risk management efforts for the firm. She chairs the firm’s Risk Management Committee and Valuation Committee, as well as serves as the secretary of the Investment Committee and Angel Oak Fund Trust.

Ms. Chang has over 15 years of experience with both buy-side and sell-side firms. Prior to joining Angel Oak, Ms. Chang spent over a decade at Wells Fargo, Evergreen Investments, and legacy Wachovia Securities across various risk management and investment research functions.

Ms. Chang holds a B.A. degree in Finance from Wuhan University and an M.B.A from College of William and Mary, where she graduated with distinction, Beta Gamma Sigma. She holds the Chartered Financial Analyst (CFA), the Financial Risk Manager (FRM), and the Chartered Alternative Investment Analyst (CAIA) designation.

Susan Goldberg, Federal Reserve Bank of Atlanta

Susan Goldberg is a director in Supervision, Regulation & Credit (SRC) at the Federal Reserve Bank of Atlanta. Her primary focus is oversight of the Fed’s largest supervised firms, in addition to responsibilities for large regional firms. Her areas of expertise include liquidity risk, capital planning, resolution planning, enhanced prudential standards, operational risk (including vendor risk management and BSA/AML), governance, compliance, and internal audit.

Prior to returning to the Fed, Ms. Goldberg was a vice president and compliance officer at Goldman Sachs in New York City with responsibility for various Fed regulations and implementation of several compliance programs.

Prior to joining Goldman Sachs, she spent nine years at the Federal Reserve Bank of New York in various SRC roles leading teams on the largest firms focusing on risk management supervision and Dodd-Frank Act implementation, in addition to post-crisis policy and regulation design. Ms. Goldberg played key roles in the Fed’s 2008 financial crisis work on liquidity risk and was then appointed to the small New York Fed and U.S. Treasury Department group that led the U.S. government’s extraordinary assistance to AIG, through the firm’s successful repayment and re- privatization.

Bob Humphreys, Office of the Comptroller of the Currency (OCC)

As an industry professional with more than 30 years of regulatory and bank operations experience, Bob is now responsible for the training and development of Information Technology (IT) and Operational Risk examiners for Large Bank Supervision. He serves as an IT and Operational Risk expert supporting the most complex supervision and policy development in the agency. He has served as an acting Examiner in Charge (EIC), Team Lead, and Senior Advisor to the Senior Deputy Comptroller for Large Bank Supervision. He has lead supervision in many of the most complex banks for the last 16 years working in Charlotte, NC, McLean VA, and Washington DC, as well as temporary assignments in New York and London.

Prior to joining Large Bank Supervision in 2002, Bob worked in Midsize and Community Bank Supervision serving as an EIC, Portfolio Manager, analyst and District Lead Expert for IT. Bob also lead the supervision of several of the largest industry third party service providers including IBM, FIS, and Viewpoint Solutions. Bob is a commissioned National Bank Examiner and holds industry certifications in Information Systems Auditing, Enterprise IT risk management and governance as well as Fraud risk management. He is a graduate of the University of South Carolina with an MBA and BSBA in Finance and Risk Management. He is an active member in his church and leader in the Vienna Virginia community, volunteering with the Boy Scouts of America, Vienna Little League and Fairfax County public schools.

Michael Ivie, Managing Partner and the Head of Financial Services Consulting, Arroyo

Michael Ivie is a Managing Partner and the Head of Financial Services Consulting for Arrayo, a specialized professional services firm that empowers data intensive businesses. Michael serves on PRMIA’s New York Steering Committee and the Global Finance Committee for the Board of Directors. He is also the co-editor of riskarticles.com.

Michael has over a decade of experience in Finance, Risk and Technology in both public and private sectors. His diverse background as a Trader, Developer, Credit Analyst, Enterprise Risk Manager, and Management Consultant (among other hats) for many of the world’s leading financial institutions has helped him develop a unique perspective on how these organizations function and how to navigate a changing business, technical, and regulatory landscape.

Michael received a Master of Science in Finance and an MBA in Risk Management and Insurance from Georgia State University’s J. Mack Robinson College of Business. He earned a Professional Risk Manager certification from PRMIA, Basel Compliance Professional designation from BCPA, and Project Management Professional credential from PMI.

Spyro Karetsos, Head of Enterprise Risk Services, SunTrust

Spyro Karetsos joined SunTrust in 2016 and serves as the Head of Non-Financial Risk and Head of Enterprise Risk Services. He oversees the development and maturity of the enterprise risk framework, policy, reporting, research, governance, testing, and appetite. Specifically, Spyro has responsibility/oversight for the following risk domains: Strategic Risk, Operational Risk, Technology Risk, Model Risk, and Third Party Risk. Spyro also serves as the head of risk delivery for the Corporate Functions including Human Resources, Finance, and Enterprise Risk.

Prior to joining SunTrust, Spyro was a principal and director of Enterprise Risk Management at The Vanguard Group. At Vanguard, Spyro lead a team of professionals responsible for implementing the Enterprise Risk Management framework. In that capacity, Spyro had the responsibility for the following departments: Strategic Risk Management, Operational Risk Management, Business Continuity, Enterprise Data, Privacy, and Access Management.

Before joining Vanguard, Spyro was global co-head of the Goldman Sachs operational risk management department responsible for the global operational risk management and measurement programs. Before Goldman Sachs, Spyro spent ten years in the Federal Reserve System where he worked at the Federal Reserve Bank of New York and became an assistant vice president of the Federal Reserve Bank of Philadelphia. He served as staff director of the credit risk management department and led the development of the Federal Reserve System’s ERM program.

Rachid Lassoued, Global Head of Cross Asset Financial Engineering Services, Bloomberg L.P.

Rachid Lassoued joined Bloomberg L.P. in 2009 to globally create, build and head its Financial Engineering group. The Financial Engineering group is focusing on Cross Asset OTC Derivatives and Structured Exotics Quantitative Solutions (independent valuation, pricing and risk services) for Americas, EMEA and Asia-Pacific. Prior to joining Bloomberg L.P. he worked at Societe Generale Securities for seven years where he build and headed the client facing EMEA Cross Asset Financial Engineering group in charge of value added services (independent valuation, performance and risk services). Prior to that, he held various positions at top tier institutions as front desk quantitative analyst dealing with Interest Rates, FX and Equity exotics pricing and hedging.

Sandra Laughlin, CRO, Mid Country Bank

Sandra Laughlin has over two decades of experience in various areas of risk management including but not limited to: loan review; compliance; enterprise risk management; information security; third party risk management; internal control over financial report; and internal audit. Additionally, Sandra possesses well-rounded expertise in all areas of banking. A former bank examiner for the Federal Reserve Bank of Cleveland, Sandra has a track record of driving shareholder value by guiding risk- adjusted business decisions. More recently, Sandra was the Northeast Partner in Charge of Risk Management for Crowe Horwath, LLP, where her experience and achievements included regulatory remediation and negotiation, risk management implementation, and audit committee and board advisory roles. She also has experience in building dynamic teams, and has been a noted speaker on fraud, risk, and control issues for organizations such as the American Institute of Certified Public Accountants, the Institute of Internal Auditors, the Bank Administration Institute, New York Bankers Association, and the New York Federal Reserve.

Brad Miller, CRO, United Community Bank

Bradley J. Miller is the Executive Vice President/General Counsel and Chief Risk Officer of United Community Banks, Inc. (“UCBI”) with over 23 years of banking law and risk management experience. UCBI is a bank holding company headquartered in Blairsville, GA and its bank subsidiary, United Community Bank, is a southeast regional community bank with assets over $12.3 billion and 152 banking offices in four states. Mr. Miller is responsible for all facets of the company’s enterprise risk management, legal, and compliance matters. Prior to joining UCBI in 2007, Mr. Miller was a litigation attorney with Kilpatrick Townsend & Stockton LLP where he began his career.

David Montes, Managing Director, KPMG

David Montes is a Managing Director in KPMG LLP’s Financial Services Strategy practice. Mr. Montes has 18 years of experience providing strategic insight and implementation support to large financial services companies. His experience includes initiatives focused on business, operations, payments and technology transformation across both Commercial and Retail lines of business. His client experience includes Bank of America, JP Morgan Chase, Capital One, and SunTrust in this capacity. David is a lead in KPMG’s Blockchain practice focused on delivering banking and payments advisory services across strategy and execution to clients globally.

Mike Silva, Partner, DLA Piper (NYC)

Mike Silva is a Partner and Chair of the Financial Services Regulatory practice at DLA Piper, where his practice focuses on regulatory, supervisory, and compliance matters in the financial services sector. Mike advises institutions ranging from globally systemic important banks to start-up fintech companies. Prior to joining DLA, Mike served for 3 years as GE Capital’s Global Regulatory Affairs and Compliance Leader, where he led a global staff of 700 in overseeing all of GE Capital’s compliance and regulatory activities across nine countries. He also advised on all aspects of compliance with the Dodd-Frank Act.

Prior to joining GE Capital, Mike spent 21 years at the Federal Reserve Bank of New York, where his roles included serving as the NY Fed's lead international lawyer, as chief of staff to then-president Tim Geithner (including during the financial crisis), as the NY Fed’s technical advisor to the Central Bank of Iraq in Baghdad, and as the NY Fed’s senior supervisory officer for Goldman Sachs. Mike is a graduate of the U.S. Naval Academy, Columbia Law School, and the Harvard Business School Advanced Management Program. Prior to attending law school, Mike served for 7 years as a Naval Flight Officer flying F-14 Tomcats and is a graduate of the Navy’s Advanced Fighter Weapons School (a.k.a, TOPGUN).

Melissa Sneed, Deputy Commissioner for Supervision Georgia Department of Banking & Finance

Melissa Sneed graduated from the University of Georgia with Bachelor's degrees in Finance and Risk Management & Insurance. In 1999, she joined the Department of Banking and Finance, and was promoted to District Director of the Northwest District office in 2008. In the Northwest District (including Atlanta), Melissa oversaw banks, credit unions, and trust companies in all sizes and variety of business models. In 2016, Melissa was appointed as the Deputy Commissioner of Supervision,which includes oversight responsibility for all state chartered financial institutions in Georgia. Melissa is a Certified Examination Manager.

Bart van Ark, Chief Economist & Chief Strategy Officer, The Conference Board

Bart van Ark is executive vice president, chief economist, and chief strategy officer at The Conference Board. He leads a team of almost two dozen economists in New York, Brussels, and Beijing who produce a range of widely watched economic indicators and growth forecasts as well as in-depth global economic research.

A Dutch national, he is the first non-US chief economist in the history of The Conference Board. Van Ark is also responsible for strategy development and major new initiatives at The Conference Board. He continues to steward the longstanding research collaboration between The Conference Board and the University of Groningen in the Netherlands, where he has been a professor since 2000 and holds the university’s chair in economic development, technological change, and growth.

Van Ark has been extensively published in national and international academic journals and is frequently featured in major international business media, including Bloomberg, CNBC, the Financial Times, and the Wall Street Journal.