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Banking Law Institute 2021

Speaker(s): Anna M. Harrington, Arthur W. Lindo, Asad I. Kudiya, Benjamin W. McDonough, Beth Knickerbocker, Charles C. Gray, Curtis K. Tao, David Pommerehn, Derek M. Bush, Ellen Fitzsimmons, Gregory Coleman, H. Rodgin Cohen, Jai Massari, Jeffrey Siegel, Jennifer Burns, Jon Seward, Jonice Gray Tucker, Kelvin D. Chen, Mark B. Samburg, Mark E. Van Der Weide, Nicholas Podsiadly, Rae-Ann Miller, Rohan S. Weerasinghe, Scott L. Flood, Stephanie E. Webster, Theodore J. Dowd, Wanji Walcott
Recorded on: Nov. 23, 2021
PLI Program #: 306513

Asad I. Kudiya is an Assistant General Counsel in the Banking Regulation and Policy Group of the Legal Division at the Board of Governors of the Federal Reserve System. His portfolio includes innovation policy matters, enhanced prudential standards, regulatory capital and stress testing, and climate-related financial risks. In 2020, he assisted with the establishment and operation of the Federal Reserve’s emergency lending facilities in response to the COVID-19 pandemic. He began his career in 2008 in private practice, and joined the Federal Reserve in 2016. He holds a B.S. in Economics from the University of Utah and a J.D. from the University of Pennsylvania Law School. 

Ellen Fitzsimmons is Chief Legal Officer and Head of Public Affairs at Truist Financial Corporation, the nation's premier financial services company serving approximately 10 million households.

She has held this position since December 2019, when the merger of equals between BB&T Corporation and SunTrust Banks Inc. closed. She is a member of the company’s executive management team.

In her role, she oversees the legal, government relations, corporate communications, corporate social responsibility, and philanthropy functions of Truist.

Fitzsimmons was named corporate executive vice president and general counsel for Truist predecessor SunTrust Banks Inc. in January 2018. She also served as corporate secretary to the SunTrust Board of Directors.

Previously, she served as executive vice president of law and public affairs, general counsel, and corporate secretary of CSX Corporation, a transportation company headquartered in Jacksonville, Florida. She oversaw legal affairs, government relations, corporate communications, security, environmental, audit, and corporate social responsibilities functions. She joined CSX in 1991 after starting her legal career with the law firm of Hunton & Williams in Richmond, Virginia.

Fitzsimmons earned a Juris Doctor from the Georgetown University Law Center and a bachelor’s degree in communications from Virginia Tech. 

She is a member of the Virginia Bar and currently serves on the board of Ameren Corporation, the board of directors of Friends of the High Line, the board of directors of the Charlotte Symphony Orchestra, and is a member of the 2021 Scales of Justice Steering Committee. In 2019, 2020, and 2021, Fitzsimmons was honored by American Banker for her selection in the publication's annual Most Powerful Women in Banking “Women to Watch" list.

Anna M. Harrington serves as Senior Vice President and Associate General Counsel on the regulatory team of The Bank Policy Institute where she leads BPI’s regulatory advocacy efforts on capital and other key prudential regulatory matters. She brings over a decade of public service and private sector experience, including working in both legal and policy roles.

Previously, she was a member of the Financial Institutions Practice Group at WilmerHale where she advised clients on complex regulatory and transactional matters.  Prior to WilmerHale, Ms. Harrington was the U.S. Head of Bank Regulatory Policy at Barclays.  In this role, she led and managed the development of U.S. bank regulatory policy priorities and strategy. 

Ms. Harrington previously served in both the Legal Division and in the Division of Supervision and Regulation of the Board of Governors of the Federal Reserve System where she was responsible for developing and implementing policy across a number of post-crisis Dodd-Frank Act rulemakings.  Ms. Harrington also analyzed numerous proposals, applications, and issues arising under U.S. banking laws, including the Bank Holding Company Act, the Change in Bank Control Act, the Federal Reserve Act, and the International Banking Act and related regulations. 

Ms. Harrington earned a J.D. degree, magna cum laude, from Boston College Law School, where she was elected to the Order of the Coif and served as a Note Editor on the Boston College Law Review.  She earned an A.B. degree, magna cum laude, in Economics from Harvard College.  Ms. Harrington is a member of the New York bar.

Arthur Lindo (Art) is the Deputy Director for Policy in the Federal Reserve Board's Division of Supervision and Regulation.  His principal responsibilities include overseeing the development and assessment of the effectiveness of Board regulations and policies affecting the financial services sector and coordinating the Board’s domestic and international regulatory programs.  He also advises the Board on emerging policy matters that have implications for the supervision and regulation of the financial services sector.  He is an active participant in various committees in the Federal Reserve System and is the Chairman of the Appraisal Subcommittee of the Federal Financial Institutions Examination Council (FFIEC) and the Chairman of the Basel Committee’s Operational Resiliency Working Group. 

Art has a BA in Accounting from the Catholic University of America and a MBA in Finance from the George Washington University. 

Beth Knickerbocker is the Chief Innovation Officer at the Office of the Comptroller of the Currency (OCC).

In this role, Ms. Knickerbocker is responsible for managing the day-to-day operations of the Office of Innovation and implementing of the OCC's innovation framework. She served in an acting capacity in this role from October 2016 before officially taking on these duties in May 2017.

Prior to this role, Ms. Knickerbocker served on the OCC's legal staff since 2014 working on a variety of legislative and regulatory matters and working groups related to cybersecurity, financial technology and financial innovation.

Prior to her work at the OCC, Ms. Knickerbocker served as a Vice President and Senior Counsel in the American Bankers Association's (ABA) Office of Regulatory Policy from 2012 to 2014 and focused on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, risk management, governance insider lending, transactions with affiliates, and bank examination issues. Before joining the ABA, Ms. Knickerbocker was the Chief Risk Officer for Marshall & Ilsley Corporation. She was also an attorney at the law firm Sutherland Asbill & Brennan LLP (now Eversheds Sutherland LLP). She began her career as an attorney with the OCC from 1992 to 2000, serving in the Enforcement and Compliance and Community and Consumer Law divisions.

Ms. Knickerbocker is a graduate of the University of Iowa College of Law, high distinction and earned a bachelor of arts in politics and international relations from Cornell College, magna cum laude, Phi Beta Kappa.

Charles Gray is Deputy General Counsel of the Federal Reserve Board, with management responsibility for the Banking Regulation and Policy Group.

Mr. Gray worked in a variety of legal and policy roles at the Federal Reserve Bank of New York from 2006-2016. While at the Fed in 2010, he was detailed to the United States Department of the Treasury, where he served as a policy advisor with respect to the legislative development of the Dodd-Frank Act and its early implementation.

Mr. Gray is a graduate of Harvard College (1997) and Harvard Law School (2001). Prior to law school Mr. Gray served as a professional staff member for the Banking and Financial Services Committee of the U.S. House of Representatives. Before joining the Federal Reserve Board, Mr. Gray was Special Counsel in the Financial Institutions Group at Sullivan & Cromwell LLP.

Curtis K. Tao is a Managing Director and Deputy General Counsel at Citigroup, advising on bank and bank holding company regulatory matters at Citi from 2005 to 2009, and also since he returned to Citi in November 2011. Curtis heads Citi’s Bank Regulatory Legal group, reports directly to Citi’s General Counsel, and serves on the Legal Department’s Management Committee. Curtis is also a member of Citi’s Asian Heritage Affinity Steering Committee, and sponsors the Citi Legal Department Diversity Council.

From 2009 to November 2011, Curtis was an Associate General Counsel at Goldman Sachs, also advising on bank and bank holding company regulatory matters. 

From 2001 to 2005, Curtis was an associate at the law firm of Cleary, Gottlieb, Steen & Hamilton LLP. Curtis clerked for Chief Justice Deborah T. Poritz of the New Jersey Supreme Court for the 2000-2001 term, and for Judge John L. Coffey of the Federal Court of Appeals for the Seventh Circuit for the 1999-2000 term. Curtis received his J.D. from Rutgers School of Law (1999), and his B.A. from Rutgers University (1995). Curtis is admitted to practice in New York and New Jersey.

David Pommerehn is General Counsel and Senior Vice President. His expertise covers a wide range of legal, legislative and regulatory issues associated with the areas of consumer financial services. He is the CBA lead for deposits and payment issues as well as small business banking issues and manages CBA’s Deposits and Payments and Small Business Banking Committees. 

Prior to joining CBA in 2008, David served as a defense attorney for the State of Maryland and as counsel to several non-profit financial services companies.  

David is an active member of the American and Maryland Bar Associations.  He received his B.A. from the University of Maryland and his J.D. from the University of Baltimore School of Law.

Derek M. Bush’s practice focuses on advising domestic and international financial institutions and foreign sovereigns regarding U.S. bank regulatory matters and legislation. His advisory practice spans a wide range of matters, including new regulatory requirements imposed under the Dodd-Frank Act, restructurings, corporate governance and investments by and in banking organizations. Mr. Bush’s practice also includes representing financial institutions in connection with corporate transactions, including mergers and acquisitions, asset sales, privatizations, capital markets transactions, joint ventures and strategic alliances. He also advises financial institutions and their boards of directors, employees and shareholders in internal investigations and in enforcement proceedings involving the U.S. federal banking agencies. In his advisory, corporate and enforcement practices, Mr. Bush represents clients before the Federal Reserve Board, Federal Reserve Banks, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation and the New York Department of Financial Services. 

Mr. Bush is distinguished as one of the leading financial services regulation lawyers by Chambers Global, Chambers USA, The Legal 500 U.S., The Best Lawyers in America and IFLR 1000: The Guide to the World’s Leading Law Firms and recognized in Law Business Research’s The International Who’s Who of Banking Lawyers. In addition, Mr. Bush was selected as Best Lawyers’ 2014 Washington, D.C. Banking and Finance Lawyer of the Year and is listed as one of the Best Lawyers for financial services by Washingtonian magazine.

Mr. Bush is a frequent speaker on regulatory and corporate matters affecting banks and other financial institutions. His recent publications include “U.S. Regulation of International Activities of U.S. Banking Organizations” in Regulation of Foreign Banks (2012), “Resolution Planning and the Volcker Rule” in The Banker’s How to Run a Bank (2012) and ”FSOC Reproposes the Nonbank SIFI Designation Rule” in BNA’s Securities Regulation & Law Report (2011). Mr. Bush is a co-author of the Guide to Bank Underwriting, Dealing & Brokerage Activities (West, 18th ed., 2013).

Mr. Bush joined the firm in 1995 and became a partner in 2003. He received a J.D. degree, with honors, from the University of Chicago, where he was an editor of the Law Review. He received an undergraduate degree, cum laude, from Princeton University in 1989. From 1994 to 1995, Mr. Bush served as law clerk to the Honorable Emilio M. Garza of the U.S. Court of Appeals for the Fifth Circuit.

Mr. Bush is a member of the Bar in the District of Columbia. His native language is English, and he speaks Spanish and Swedish.

Gregory Coleman is the Senior Deputy Comptroller for Large Bank Supervision at the Office of the Comptroller of the Currency (OCC).

In this position, Mr. Coleman will direct nearly 800 men and women who supervise the country’s largest national banks and federal branches and agencies, which hold more than $10 trillion in total consolidated assets. He also serves as a member of the agency’s Executive Committee. He assumed these duties in January 2021.

Prior to this assignment, Mr. Coleman served as a Deputy Comptroller for Large Bank Supervision.

Mr. Coleman has served a variety of bank supervision roles as an examiner, policy expert, and manager at the OCC, including serving as Examiner-in-Charge of Capital One and E*TRADE. He previously served as director within the Credit and Market Risk division in the Office of the Chief National Bank Examiner and as the lead for the capital markets team at JPMorgan Chase.

Mr. Coleman joined the OCC in 1989 as a field examiner, became a commissioned national bank examiner in 1994, and a federal thrift regulator in 2013.

Mr. Coleman is a Chartered Financial Analyst (CFA) charterholder and holds a Bachelor of Science in business administration from the University of Nebraska-Lincoln.

H. Rodgin Cohen is Senior Chair of Sullivan & Cromwell LLP, having served as Chairman from 2000 to 2009. The primary focus of Mr. Cohen’s practice is regulatory, enforcement, acquisition, cybersecurity and securities law matters for banking and other financial institutions and their trade associations, and corporate governance matters for a wide variety of organizations.

Mr. Cohen advises the financial services industry on the full range of regulatory, compliance and enforcement matters, including international capital and liquidity standards, and multiagency investigations relating to compliance with anti-money laundering and sanctions issues. He frequently works with all the bank regulatory agencies as well as multiple other governmental agencies. Mr. Cohen is also a frequent advisor on the rise of strategic and corporate governance activism and its impact on institutions.

Mr. Cohen has been recognized by organizations such as The American Lawyer, The Clearing House, and the Financial Times, and received Lifetime Achievement Awards from the New York Law Journal, Who’s Who Legal, Chambers, Legal500 and the M&A Advisor. Most recently, Mr. Cohen was the recipient of the Burton Awards inaugural Law Firm Leadership in Law Award. William Burton, founder and chair of the Burton Awards, said, “Rodgin Cohen is an icon in law and is known and respected widely. His qualities and attributes far exceed the highest standards which could ever be set for a law firm leader.”

Mr. Cohen is or has been a member of the FDIC Systemic Resolution Advisory Committee, the National Security Agency Cyber Awareness Panel, the Treasury Advisory Committee on the Auditing Profession and The New York State Commission to Modernize the Regulation of Financial Services. He is or has also been Vice Chairman, Economic Studies Council of Brookings Institution and a member of the Bipartisan Policy Center Financial Regulatory Reform Initiative, The Pew Financial Reform Project, the IIF Special Committee for a Strategic Dialogue for Effective Regulation and The Financial Services Roundtable’s Blue Ribbon Commission on Enhancing Competitiveness.

Jai Massari is a partner in Davis Polk's Financial Institutions Group and the trading and markets practice, based in the Washington DC office. She advises major global banks, asset managers, and corporations on the requirements, impact and implementation of financial regulation, including reforms, focusing on derivatives regulation and the Volcker Rule.

Ms. Massari also advises financial institutions and technology companies on regulatory considerations for digital asset and blockchain businesses and investments. She frequently works with individual firms and industry organizations in connection with advocacy efforts on legislative and regulatory proposals.

She graduated from Cornell University with a degree in Chemistry and earned her J.D. from Duke University School of Law, where she served as Executive Editor of Law & Contemporary Problems.

Jeffrey Siegel is the Head of Public and Regulatory Policy in the U.S. Regulatory Strategy and Policy team at BNP Paribas (BNPP) in New York. In that role he helps develop and coordinate BNPP’s strategic policy advocacy before the U.S. government.

Before joining BNPP, Jeffrey served for more than three years as a Senior Policy Analyst and Lead Negotiator for Financial Services in the Office of International Trade at the U.S. Department of the Treasury. In that role, Jeffrey represented the United States as the lead negotiator for the financial services chapters of U.S. trade agreements, including the Trade in Services Agreement (TiSA) and the U.S.-EU Transatlantic Trade and Investment Partnership (T-TIP). Jeffrey also served as the U.S. lead for the preliminary discussions with the UK about the financial services aspects of a possible U.S.-UK trade agreement, and provided guidance on how Treasury should address the financial services impact of Brexit. In addition, during his time at Treasury, he also helped develop a new approach to addressing data localization in financial services, which continues to serve as the foundation for U.S. policy on this issue.

Prior to joining Treasury, Jeffrey served for almost four years as Senior Counsel at the U.S. Senate Committee on Banking, Housing, and Urban Affairs where he advised Chairman Tim Johnson (Democrat-South Dakota) and coordinated committee legislative oversight strategy related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act – with a particular focus on the new derivatives regime and the Volcker Rule.  Before working at the Banking Committee staff, he served for two years as Legislative Director and Counsel for Congressman Michael E. McMahon (Democrat-New York) where he helped draft key provisions of the derivatives title of Dodd-Frank.   Before joining the Congressman’s office, Jeffrey worked for more than five years as a litigation associate at Willkie Farr & Gallagher LLP in New York.  

Jeffrey holds a JD from Cornell Law School, and a BA in Public Policy and International Affairs from Princeton University.

Jennifer J. Burns is a Deputy Director in the Division of Supervision & Regulation (S&R) at the Federal Reserve Board of Governors. She is responsible for oversight of the Federal Reserve’s supervisory programs and supervisory stress testing, specialty supervision and risk identification activities.

Jennifer began her career as an assistant examiner in the Bank Supervision and Regulation department at the Federal Reserve Bank of Richmond. After holding various roles within the department, including leading the Bank’s large bank supervision function, in 2010 Jennifer took the helm as Senior Vice President for the Supervision, Regulation and Credit division. She was promoted to Executive Vice President in 2015. In September 2017, Jennifer moved to the Board of Governors as Deputy Director with responsibility for overseeing the Federal Reserve’s supervisory program for systemically important financial institutions and supervisory stress testing activities. She assumed her current responsibilities in March 2019.

Jennifer holds a B.A. degree from Michigan State University and an M.B.A. from the University of Virginia, Darden School of Business. 

Jon Seward is currently Principal Deputy Chief in the Housing and Civil Enforcement Section of the Civil Rights Division of the Department of Justice where he supervises fair lending cases involving a pattern or practice of discrimination.  From 2003 to 2007, Jon was Fannie Mae’s vice president and deputy general counsel for fair lending, where his duties included managing Fannie Mae’s anti-predatory lending guidelines across all business channels and ensuring compliance with fair lending and related laws.  From 1994 to 2003, Jon served as a trial attorney and deputy chief in the Housing Section where his responsibilities included developing fair lending cases with a focus on predatory lending, reverse-redlining and redlining. Jon developed his passion for fighting housing discrimination as a trial attorney in HUD’s Fair Housing Division.  

Jon received his juris doctorate degree from Rutgers Law School where he was the managing business editor for Rutgers’ Civil Rights Journal.

Jonice Gray Tucker is a founding partner with Buckley LLP and a governing board member. Jonice specializes in work with banks, non-bank financial institutions, and other companies providing financial products and services. She works with some of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and commercial finance.

Jonice focuses a substantial portion of her practice on escalated supervision matters, investigations, and enforcement actions. She frequently serves as lead counsel in matters involving the DOJ, CFPB, HUD, FTC, and prudential banking regulators. She also represents clients in connection with matters involving state Attorneys General and other regulators such as the NYDFS, the California DBO, and state banking departments. In addition to her work before government regulators, Jonice counsels clients on compliance with laws governing financial services, conducts internal investigations, and represents clients in complex civil litigation.

Jonice is recognized in Chambers USA as a leading lawyer in the category of Consumer Finance (Enforcement and Investigations) and in Super Lawyers, Best Lawyers, and Legal 500. She has received Mortgage Women Magazine’s 2021 Mortgage Star Award, MCCA’s 2018 Rainmaker Award and twice has been recognized by Savoy as one of the nation’s Most Influential Black Lawyers. Jonice is the Immediate Past Chair of the American Bar Association’s Banking Law Committee.

Dedicated to serving the community, Jonice is the Secretary of the Board of Directors for the Legal Aid Society of DC, sits on the Board of Trustees for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs, and is a member of the Advisory Board for the Ron Brown Scholars Program. Jonice attended Yale Law School. 

Kelvin Chen (Vice President, Sr. Assoc. Gen. Counsel) leads the Capital One Legal Department's Bank Regulatory and Policy team.

The team helps Capital One navigate and influence policy change; advises on the safety and soundness requirements impacting the enterprise; and provides legal advice to Capital One's Financial Institutions Group, Loss Mitigation, Enterprise Risk Management, Credit Review, and Audit teams. 

Prior to joining Capital One in late 2019, Kelvin created and led the Federal Reserve Board's Innovation Policy team in the Division of Supervision & Regulation. Before joining the Board, Kelvin served as the Consumer Financial Protection Bureau’s Program Manager for Emerging Payments. There, he led the agency’s policy response to various payment innovations, such as virtual currencies. In prior roles, Kelvin led the Bureau’s study of mandatory arbitration provisions; advised agency principals at the Federal Trade Commission on policy and enforcement matters; and was a litigator in the New York offices of Morrison & Foerster LLP and Cadwalader, Wickersham & Taft LLP.

Kelvin studied Systems Engineering and Mathematics at the University of Pennsylvania (’00); attended New York University School of Law (’04); and is affiliated with the Princeton Center for Information Technology Policy and the Digital Dollar Project.

Mark B. Samburg serves as Chief of Staff of the Division of Supervision, Enforcement, and Fair Lending at the Consumer Financial Protection Bureau.  Mark joined the Bureau in 2014 and previously held positions in the Office of Enforcement and the Legal Division.  Before joining the Bureau, he was in private practice as outside counsel to state and local governments in affirmative consumer protection litigation.

Mark served as a law clerk to Judge Leonard I. Garth of the U.S. Court of Appeals for the Third Circuit and as a law clerk to Justices Lubbie Harper, Jr. and Joette Katz of the Connecticut Supreme Court.  He is a graduate of Brandeis University and Harvard Law School.

Mark E. Van Der Weide has been the General Counsel of the Board of Governors of the Federal Reserve System in Washington, D.C., since August 2017.

From 2010 until August 2017, Mr. Van Der Weide worked in the Division of Supervision and Regulation of the Federal Reserve Board.  In this capacity, he advised the Division Director and Board members on financial regulatory policy issues and helped coordinate the development of Federal Reserve positions on international and domestic regulatory policy.  Mr. Van Der Weide served as a member of the Basel Committee on Banking Supervision from 2015-17 and represented the Federal Reserve on the Financial Stability Board’s Standing Committee on Supervisory and Regulatory Cooperation from 2010-17.

Mr. Van Der Weide was detailed to the U.S. Treasury Department during 2009-2010, where he provided assistance to the Administration in its efforts to design the financial reform legislation that ultimately became the Dodd-Frank Act.

From 1998 until 2009, Mr. Van Der Weide worked in the Legal Division of the Federal Reserve Board.  His primary responsibilities included drafting rules and interpretive guidance on prudential bank regulations and reviewing bank mergers and acquisitions proposals.  Mr. Van Der Weide also was involved in many of the Federal Reserve’s efforts to help ensure financial stability during the financial crisis of 2007-09.

Prior to joining the Federal Reserve Board in 1998, Mr. Van Der Weide worked as an associate in the Washington, D.C., office of Cleary, Gottlieb, Steen & Hamilton.  At Cleary, Mr. Van Der Weide drafted and negotiated documentation for securities offerings, structured finance transactions, joint ventures, and mergers and acquisitions.

Mr. Van Der Weide received a J.D. degree from Yale Law School in 1995 and a B.A. degree in history and philosophy from the University of Iowa in 1992.

Nick Podsiadly was appointed General Counsel by the Board of Directors of the Federal Deposit Insurance Corporation on April 8, 2019. In this role, Nick manages the Legal Division of the Corporation representing the FDIC in matters before the courts, Congress, Executive Departments, and the White House, and oversees all legal matters affecting internal and external operations. He oversees FDIC attorneys across the country in support of the Corporation’s mission to maintain stability and public confidence in the nation’s financial system by insuring deposits, examining and supervising financial institutions for safety and soundness and consumer protection, making large and complex financial institutions resolvable, and managing receiverships.

Prior to joining the FDIC, he served as senior vice president and deputy general counsel for regulatory strategy and public policy at Fifth Third Bancorp. At Fifth Third, Nick oversaw Fifth Third’s regulatory, public policy, and government affairs initiatives, in addition to providing strategic guidance on banking policy and regulatory matters to senior executives. Nick worked closely with federal regulators, members of Congress and their staff, and industry trade associations to explain the impact of proposed legislation and regulations. He also oversaw a team of regulatory staff and attorneys responding to regulatory exams and managing regulatory change.

Before Fifth Third, Nick worked for Regions Financial Corporation as senior vice president for regulatory policy overseeing the bank’s regulatory portfolio in Washington D.C. While at Regions, Nick worked with staff from the FDIC, Federal Reserve, Consumer Financial Protection Bureau, and Office of the Comptroller of the Currency on emerging regulatory and legislative proposals.

Prior to joining Regions, Nick served as Vice President and Senior Counsel at the American Bankers Association, where he prepared draft legislation, amendments, and analysis of pending policy matters, and represented Association members before Congress and many federal agencies.

Prior to that, he spent nearly nine years working in the United States Senate for Senator Charles E. Grassley (R-IA) in several capacities. He first served as an Investigative Counsel on the Senate Committee on Finance overseeing various oversight matters including tax, healthcare, and federal regulations. He then served as the lead Counsel on the Senate Committee on the Judiciary in charge of national security, criminal law, constitutional law, and various civil litigation matters. While in the Senate, Nick also served as the Staff Director for the Senate Caucus on International Narcotics Control focusing on diplomatic and legal efforts to curb drug trafficking and money laundering.

Nick received a Bachelor of Arts from Iowa State University and received his Juris Doctor from Drake University.

Rae-Ann Miller was appointed Senior Deputy Director, Supervision and Policy, in November 2020, where she oversees the FDIC’s safety and soundness supervisory programs and policy development for community and large banks.  Previously, she served as the Associate Director of Risk Management Policy and managed sections responsible for safety and soundness policy development, accounting, and securities disclosure.

Ms. Miller began her career with the FDIC in 1989 as a safety and soundness examiner in New Jersey, and in 1994, was promoted to a trust specialist in Delaware.  She transferred to FDIC headquarters in Washington, D.C. in 1996 as Special Assistant to the Chief Operating Officer.  In 1998, she was promoted to Manager, Risk Management and Applications Branch and in 2000 to Assistant Director, Applications and Supervision Branch with responsibility for the Washington Office’s oversight of problem banks, enforcement actions, applications, large banks, and anti-fraud and anti-money laundering.

In 2002, Ms. Miller moved to the Division of Insurance and Research as Associate Director, Regional Operations.  In this capacity, she managed the FDIC’s regional and local banking and economic analysis and publication processes.  Ms. Miller left the workforce in 2004 to be a stay-at-home mother and returned to the FDIC in 2007 as Special Advisor to the Director, Division of Insurance and Research working primarily on issues related to systemic risk and affordable credit.

Rohan S. Weerasinghe joined Citi as General Counsel and Corporate Secretary in June 2012. A member of Citi's Executive Management Team, Rohan oversees Citi's global legal team, including business-unit general counsels, regional general counsels and corporate deputy general counsels.

Before Citi, Rohan was Senior Partner at Shearman & Sterling. An international law firm with approximately 900 lawyers and offices in 20 cities around the globe, Shearman & Sterling advises corporations, financial institutions and governments. He joined Shearman & Sterling in 1977, became a partner in 1985 and served as Senior Partner from 2005 to 2012. For the 35 years he was at Shearman & Sterling, he advised and represented financial institutions and corporations worldwide on issues including corporate governance, complex corporate transactions, and capital markets offerings, including IPOs and debt issues.

Rohan graduated from Harvard College in 1972 and received his M.B.A. and J.D. from Harvard Business School and Harvard Law School in 1977. He is a Trustee of the Carnegie Endowment for Peace and a director on the board of The Clearing House Association.

Stephanie E. Webster is General Counsel of the Institute of International Bankers.  Prior to joining the IIB, Stephanie was a Director and Counsel in the General Counsel division of Credit Suisse based in New York.  She was the head of the US Bank Regulatory & ERISA Legal group.  Ms. Webster joined Credit Suisse in January 2011.  Prior to that, she was an associate at the law firm of Linklaters in the financial regulations group, advising primarily on U.S. bank regulatory matters, and at the law firm of Goodwin Procter LLP in the financial services group.  Ms. Webster began her legal career at the law firm of Freshfields Bruckhaus Deringer LLP as an associate focused on international arbitration.  Ms. Webster received her J.D. from New York University School of Law and her B.A., with honors, from Brandeis University.  She is also an adjunct professor at Fordham University School of Law.

Ted Dowd is Deputy Chief Counsel at the Office of the Comptroller of the Currency (OCC). He assumed this role in June 2018.

Mr. Dowd previously served as Director of the Securities and Corporate Practices division. In that role, he oversaw the division that provided legal interpretations and advice to OCC policymakers, senior managers, and examiners on banking, securities, derivatives, and corporate governance matters. He has had the lead role for the Law Department in Volcker Rule implementation including completion of the proposed revisions to the Volcker rule. He has supervised the department’s legal work in areas including capital markets, investment securities, financial technology, Dodd-Frank rulemakings, and fiduciary matters. Mr. Dowd also oversaw staff members responsible for legal issues related to national bank and federal savings association securities offerings and related disclosures.

Prior to joining the OCC, Mr. Dowd served as a Senior Trial Attorney for the U.S. Commodity Futures Trading Commission (CFTC), Division of Enforcement. He represented the CFTC in numerous enforcement actions in federal court.

He received his law degree from the Catholic University of America, Columbus School of Law, and is also a graduate of Providence College.

Benjamin W. McDonough is the Senior Deputy Comptroller and Chief Counsel at the Office of the Comptroller of the Currency (OCC).

In this capacity, Mr. McDonough oversees all of the agency’s legal and licensing activities, including legal advisory services to banks and examiners, enforcement, litigation, agency administrative matters, legislative initiatives, the chartering of new banks, and changes in structure and activities of existing banks. He serves on the OCC’s Executive Committee and provides advice and counsel to the Comptroller of the Currency and senior OCC executives. He assumed this role in June 2021.

Prior to joining the OCC, Mr. McDonough served as Associate General Counsel in the Legal Division at the Board of Governors of the Federal Reserve System. He joined the Federal Reserve Board in 2008, and during his time there, he worked on a variety of regulatory and supervisory matters, including providing legal advice to the Large Institution Supervision Coordinating Committee Operating Committee and to the Federal Reserve’s stress testing program. From August 2014 through July 2015, Mr. McDonough was a secondee to the European Central Bank’s Legal Division.

Prior to joining the Federal Reserve Board, Mr. McDonough was a Senior Attorney at the Federal Deposit Insurance Corporation, where he began his career as an Honors Attorney.

Mr. McDonough holds a joint juris doctor/master of public policy degree from the University of Michigan Law School and Gerald R. Ford School of Public Policy, and a bachelor of arts degree also from the University of Michigan.

Scott L. Flood is a Managing Director and Senior Deputy General Counsel.  He started in 1990 at Salomon Brothers Inc., a predecessor firm to Citi. He is the Co-Head of the Markets and Securities Services Legal team in Citi’s Institutional Client Group with lawyers in New York, London, Singapore and Hong Kong. Lawyers in this Group cover Securitized Products, Derivatives, Foreign Exchange, Commodities, Fixed Income and Equity, Futures, Custody and Clearing and Investor Services.  He advises the Institutional Client Group on sales and trading, capital market products, corporate governance and regulatory matters.  He also advises Risk, Treasury, Operations and Financial Reporting departments on legal, regulatory and credit matters. Prior to joining Salomon, Mr. Flood was associated with White and Case.

Mr. Flood received a B.A. from Amherst College in Economics and a J.D. from Harvard Law School.  After Harvard, Mr. Flood clerked for the Hon. David Nelson, U.S. District Court of Massachusetts.  He is active on a number of industry committees and is a member of the New York Bar and the Massachusetts Bar.

Wanji Walcott is Executive Vice President, Chief Legal Officer and General Counsel at Discover Financial Services, and a member of the company’s Executive Committee. She is a high-impact global financial services executive with a proven track record of building and leading diverse teams and fostering a culture of collaboration as a trusted advisor. Ms. Walcott is responsible for Discover’s Legal Organization, Government Relations and the company’s Patent & Innovation Program.

With a passion for helping others, Ms. Walcott is committed to Diversity, Equity & Inclusion (DE&I) and serves as executive sponsor of HOLA, Discover’s Latinx Employee Resource Group. She leads the company’s DE&I Task Force and is an active participant in the Legal Organization’s pro bono program, which provides free, high-quality legal services to those in need.

In 2021, the Pro Bono Institute honored Discover and Ms. Walcott with the Laurie D. Zelon Pro Bono Award. She was also recognized by Crain’s Chicago Business as a Notable General Counsel in 2021. 

Prior to joining Discover in 2019, Ms. Walcott was Senior Vice President and General Counsel at PayPal Holdings, Inc., where she provided counsel to senior management and the board of directors, was accountable for all areas of the global legal department and provided legal support to corporate affiliates, including a bank. She has also held senior positions at American Express, Pillsbury Winthrop Shaw Pittman, DSET Corporation and Lockheed Martin.

Ms. Walcott serves on the Board of Directors of Foresight II (NASDAQ: FACQU) and has served on a number of non-profit boards, including her current role as Board Chair for the Minority Corporate Counsel Association (MCCA) and director roles at and The Gunnery School. She is a member of the Executive Leadership Council, the Chicago Network, and the Economic Club of Chicago and holds a B.A. and J.D. from Howard University. She is licensed to practice law in New York, New Jersey and has a Limited License as In-House Counsel in Illinois.