Speakers’ Bios

Seamus Brown

Strategist

Moore Capital Management

Seamus Brown is senior strategist for Moore Capital Management with a specialization in

developed market monetary and fiscal policy, regulatory reform, and fixed income

markets. Seamus joined Moore from the Federal Reserve Bank of New York, where he

led analysis of the Treasury market and contributed to the development and

implementation of large-scale asset programs. Previously, he was a global fixed income

portfolio manager with JP Morgan Asset Management where he began his career. He

holds a B.A. in political science from Johns Hopkins University, a Graduate Diploma in

econometrics from Birkbeck College, University of London and was a Hansard Scholar

at the London School of Economics.

Keith Chapman

Executive General Manager

Diversified Institutions Division

Australian Prudential Regulation Authority (APRA)

Keith Chapman was appointed to his current role in December 2011 prior to which he

held the role of Executive General Manager, Supervisory Support Division. Mr.

Chapman joined APRA at its establishment in 1998 and has held a variety of General

Manager level roles at APRA in both supervision and policy development areas. Mr.

Chapman has, at various times, chaired each of APRA's licensing, general insurance,

superannuation and ADI cross divisional committees. Prior to APRA's establishment, Mr.

Chapman was Deputy Commissioner for Superannuation at the Insurance and

Superannuation Commission (ISC). This followed senior roles at the ISC in both life

insurance and superannuation. Mr. Chapman has degrees in both economics and science.

Kevin Cowan

Alternate Executive Director for Chile & Peru

Inter-American Development Bank (IADB)

Kevin Cowan is Alternate Executive Director for Chile and Peru at the Inter-American

Development Bank (IADB). At the time of his appointment, Mr. Cowan was Regional

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Economic Advisor at the IADB.

Prior to that, he held several positions at the Central Bank of Chile: Director of the

Financial Policy Division (2008-2013), Research Coordinator at the Financial Policy

Division (2007-2008) and Senior Economist at the Economic Research Unit (2005-2007).

He worked as an Economist at the IADB (2002-2005) and Advisor at the Ministry of

Finance in Chile (1995-1998).

In his role as Director of the Financial Policy Division he was responsible for issues

relating to financial regulation and monitoring of systemic risk. He represented the

Central Bank of Chile on the Chilean Committee of Superintendents, the regional

meetings of the FSB and participated in the meetings of the Chilean Financial Stability

Council.

Mr. Cowan graduated as Commercial Engineer from the Catholic University of Chile and

holds a Ph.D. in economics from the Massachusetts Institute of Technology (MIT).

Kevin Cowan has lectured in economics and macroeconomics at several academic

institutions, including the Catholic University and the Center for Applied Economics of

the University of Chile. He is also the author of several publications, chapters of books,

and working papers on corporate finance and international economics.

Christine M. Cumming

First Vice President

Federal Reserve Bank of New York

Christine M. Cumming is First Vice President of the Federal Reserve Bank of New York,

the second ranking officer in the Bank, and serves as its Chief Operating Officer, as well

as an alternate voting member of the Federal Open Market Committee.

Prior to being named to her new position, Ms. Cumming was Executive Vice President

and Director of Research with responsibility for the Research and Market Analysis

Group. She assumed these responsibilities in September 1999.

From March 1994 until September 1999, she was Senior Vice President responsible for

the Bank Analysis and Advisory and Technical Services Functions in the Bank

Supervision Group.

Ms. Cumming joined the Bank's staff in September 1979 as an Economist in the

International Research Department, and spent several years leading units in Research

which covered the industrial countries and the international financial markets. Later,

while in the Bank’s International Capital Markets staff, she worked on topics such as the

liquidity of banks and securities firms, the international competitiveness of U.S. financial

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institutions, and the implications of financial innovation.

In January 1992, she was appointed Vice President and assigned to Domestic Bank

Examinations in Bank Supervision. A major focus of Ms. Cumming’s work in

Supervision involved capital markets issues. While in Supervision, she also was active in

the work of the Basel Committee, including participating in the development of the

market risk amendment to the Basel Accord and co-chairing the Risk Management Group

for two and a half years. She also chaired task forces on supervisory matters for the Joint

Forum, made up of banking, securities and insurance regulators.

Ms. Cumming holds both a Bachelor's degree and doctorate in economics from the

University of Minnesota.

Peter Dattels

Deputy Director

Monetary and Capital Markets Department

International Monetary Fund

Mr. Dattels is a Deputy Director of the Monetary and Capital Markets department with

responsibility for the IMF’s global markets monitoring and capital markets analysis

functions. He is responsible for the lead chapter of the Global Financial Stability Report

that gives the IMF’s assessment of global financial stability risks. During the Asian crisis,

Mr. Dattels was a resident representative to Indonesia assisting the authorities in

implementing the Fund’s policy advice on monetary policy and bank restructuring, as

well as part of the IMF mission team. Mr. Dattels has led extensive technical assistance

efforts throughout Asia and Eastern Europe on a full range of financial sector and

monetary topics. Before coming to the Fund, Mr. Dattels was an economist with the

Bank of Canada and had responsibilities for conducting open market operations and

worked on public debt management issues. He holds a Master’s in economics from

Queen’s University, and is a Chartered Financial Analyst (CFA).

Augusto de la Torre

Chief Economist

Latin America and the Caribbean

The World Bank

Augusto de la Torre, a national of Ecuador, is the Chief Economist for Latin America

and the Caribbean. Since joining the World Bank in 1997, he has held the positions of

Senior Advisor in the Financial Systems Department and Senior Financial Sector

Advisor, both in the Latin America and the Caribbean region. From 1993 to 1997, Mr. de

la Torre was the head of the Central Bank of Ecuador, and in November 1996 was

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chosen by Euromoney magazine as the year’s "Best Latin Central Banker." From 1986 to

1992, he worked at the International Monetary Fund, where, among other positions, he

was the IMF’s Resident Representative in Venezuela (1991-1992).

Mr. de la Torre has published extensively on a broad range of macroeconomic and

financial development topics. He is a member of the Carnegie Network of Economic

Reformers. He earned his M.A. and Ph.D. degrees in economics at the University of

Notre Dame and holds a Bachelor’s degree in philosophy from the Catholic University

of Ecuador.

Wilson Ervin

Vice Chairman

Credit Suisse

Wilson Ervin is currently a Vice Chairman in the Group Executive Office. In this role, he

works on a variety of strategic projects, especially policy reforms related to bank capital

and ending “too-big-to-fail”. He also chairs the Credit Suisse Americas Foundation and

the Partner Asset Facility.

Prior to his current role, Mr. Ervin was the Chief Risk Officer of Credit Suisse, a member

of the Executive Board, and Chair of the Capital Allocation and Risk Management

Committee (CARMC). From 1990 to 1998, Mr. Ervin worked at Credit Suisse Financial

Products, where he headed U.S. corporate marketing for derivatives and new product

development. Before 1990, he held various roles in capital markets (fixed income and

equity), Australian investment banking, and the Mergers & Acquisitions group.

Mr. Ervin received his A.B., summa cum laude, in economics from Princeton University.

Wissam H. Fattouh

Secretary General

Union of Arab Banks

Mr. Wissam H. Fattouh became the Secretary General of the Union of Arab Banks in

November 2010. As such, he leads the region’s largest banking consortium and sole

representative of the Arab banking community, which aims at the development and

advancement of banking and financial markets in addition to cross-border relations and

the international exchange of expertise.

Mr. Fattouh has excellent knowledge and expertise in Arab and international banking and

financial sectors, acquired from over 20 years of experience in this domain and through

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extensive and close relations with Arab, European and U.S. central bank governors and

regional/international financial and regulatory heads.

Before his current position, Mr. Fattouh served as the Acting Secretary General, Deputy

Secretary General, Director of Conferences, and Manager of Information Technology. He

gained a worldwide channel of communication through innovatively organizing,

marketing, and supervising international, regional, and local conferences, seminars, and

training programs on banking and financial matters in cooperation with the likes of the

U.S. Department of the Treasury, the IMF, the IFC, European Banking Federations, and

various international governmental entities. He has established a number of professional

groups and associations, including Group of Certified Compliance Officers (GCCO) and

Group of Certified Risk Managers (GCRM). Mr. Fattouh has served as a Member of the

Advisory Board of the Association of Certified Anti-Money Laundering Specialists and

on the Board of Trustees of The Arab Academy for Banking & Financial Sciences.

Mr. Fattouh was born in Beirut in September 1965. He is married with two children and

is a graduate of the Lebanese American University in Beirut. He is fluent in Arabic,

English, and French.

Mark J. Flannery

Chief Economist and Director

U.S. Securities and Exchange Commission

Mark J. Flannery is the Chief Economist and Director of the Division of Economic and

Risk Analysis at the U.S. Securities and Exchange Commission. He has published

extensively, primarily in the areas of financial regulation and corporate capital structure.

In 2003, Dr. Flannery helped establish the FDIC’s Center for Financial Research and then

served as Co-Director and Senior Adviser until 2008. He worked as a Senior Adviser to

the Office of Financial Research from 2011-2014, and has been a long-term visitor to the

Federal Reserve Bank of New York’s Research Department. He served as President of

the Financial Intermediation Research Society (FIRS), President and Board Chairman of

the Financial Management Association, and member of the board of directors of the

American Finance Association. He was an editor of the Journal of Money, Credit and

Banking from 2000-2005.

Dr. Flannery is on leave from the University of Florida, where he holds the BankAmerica

Eminent Scholar Chair in Finance. He earned an A.B. summa cum laude from Princeton

University and an M.A., an M.Phil. and a Ph.D. (all in economics) from Yale University.

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Michael S. Gibson

Director of the Division of Banking Supervision and Regulation

Federal Reserve Board

Michael S. Gibson is Director of the Division of Banking Supervision and

Regulation at the Federal Reserve Board. As division director, he oversees the

Federal Reserve’s development of bank regulatory policy and its supervision of

banking organizations. He represents the Federal Reserve on the Basel Committee

on Banking Supervision and works closely with officials from other U.S. and

international government agencies on bank oversight issues.

He formerly served as Deputy Director in the Division of Research and Statistics at the

Board of Governors of the Federal Reserve System, where he was responsible for

overseeing the division’s financial functions. He has worked on research and policy

issues related to financial stability, financial markets, and derivatives. He has authored

articles on value at risk, stress testing, and credit derivatives. He served on the faculty of

the University of Chicago Graduate School of Business for two years and as a visiting

lecturer at Princeton University. He has a Ph.D. in economics from the Massachusetts

Institute of Technology and a B.A. in economics from Stanford University.

Daniel L. Glaser

Assistant Secretary for Terrorist Financing

U.S. Department of the Treasury

Daniel L. Glaser was confirmed by the U.S. Senate on May 27, 2011 to serve as Assistant

Secretary for Terrorist Financing in the Office of Terrorism and Financial Intelligence.

As Assistant Secretary, Mr. Glaser is responsible for helping to formulate and coordinate

the counterterrorist financing and anti-money laundering policies and strategies for the

Department.

Mr. Glaser has served as Treasury’s Deputy Assistant Secretary for Terrorist Financing

and Financial Crimes since November 2004. He was responsible for developing and

coordinating policies to protect the U.S. and international financial systems from abuse

related to money laundering, terrorist financing, and the financing of the proliferation of

weapons of mass destruction. Mr. Glaser also served since 2001 as the Head of the U.S.

Delegation to the Financial Action Task Force (FATF), the premier international anti-

money laundering and counterterrorism financing body.

Prior to that position, Mr. Glaser served as the first Director of the Treasury Department’s

Executive Office of Terrorist Financing and Financial Crimes and as Senior Counsel for

Financial Crimes in the Office of the General Counsel. He also served as an attorney for

the U.S. Secret Service. Mr. Glaser began his career as an associate in the law firm of

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Coudert Brothers. He is a graduate of the University of Michigan and the Columbia

University School of Law.

Simon Gleeson

Partner

Clifford Chance LLP, U.K. Office

Simon Gleeson joined Clifford Chance in 2007 as a partner in the firm's Financial

Regulation group, where he specializes in financial markets law and regulation. He has

advised governments, regulators and public bodies, banks, investment firms, fund

managers, and other financial institutions on a wide range of regulatory issues. He

advised the World Economic Forum on their report on their 2009 Report on The New

Global Financial Architecture, and has worked with regulators and governments around

the world on the establishment of regulatory regimes. He has been a member of the

Financial Markets Law Committee, chairs the Institute of International Finance's

Committee on Cross-Border Bank Resolution, has written numerous books and articles

on financial regulation, and is the author of "International Regulation of Banking",

recently published by Oxford University Press. He is a Visiting Professor of the Faculty

of Law at the University of Edinburgh.

Gloria M. Grandolini

Senior Director

Finance & Markets Global Practice

The World Bank

Gloria M. Grandolini is responsible for delivering tailored development solutions

integrating World Bank Group financial, knowledge/advisory, and convening services to

our clients. The FMGP delivers comprehensive World Bank Group solutions, including

World Bank loans/credits, guarantees, and risk-management products and WB and IFC

knowledge, advisory, and convening services to public sector clients.

Her most recent assignment was Country Director for Mexico and Colombia where she

was responsible for the Bank's program in those countries aimed at delivering innovative

development solutions and at partnering with them to leverage their leadership and

enhance South-South collaboration.

In addition to her managerial experience, Ms. Grandolini has hands-on operational and

market experience in financial sector development, pensions and insurance, disaster risk

management, capital markets, infrastructure finance, and the full range of financial

products offered by the WBG.

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Ms. Grandolini is an Italian and Honduran national, has a Ph.D. in international

economics and a Master’s in law and diplomacy from the Fletcher School of Law and

Diplomacy, at Tufts University. She also holds a Master’s degree in foreign service from

the Edmund A. Walsh School of Foreign Service of Georgetown University.

Francois Groepe

Deputy Governor

Financial Stability & Currency Management

South African Reserve Bank

Francois Groepe was first appointed by the President of South Africa to the Board of the

South African Reserve Bank (‘SARB’) in July 2004 as a Non-Executive Director. He was

appointed as a Deputy Governor by the President in January 2012. He has executive

management responsibility for the financial stability, national payments system, security

management and currency management departments, as well as the two currency

manufacturing subsidiaries, namely the South African Bank Note Company and the

South African Mint Company. He is a member of the Monetary Policy Committee,

Governors’ Executive Committee and Financial Stability Committee and chairs the South

African Bank Note Company and the South African Mint Company.

Previously he was the Group Managing Director and CEO of Media24, the largest print

and digital media company on the African continent.

He holds BCom (Hons), MBA and LLM degrees, and a Postgraduate Diploma in Tax

Law. He is a Chartered Management Accountant and an Advocate of the High Court of

South Africa.

Mario Guadamillas

Manager

Finance & Markets Global Practice

The World Bank

Mario Guadamillas has worked for the World Bank since 1998. Mr. Guadamillas is

currently the World Bank manager of the Financial Architecture and Banking Systems

Service Line that coordinates the joint IMF-World Bank Financial Sector Assessment

Program (FSAP), the World Bank participation in the Financial Stability Board, and

provides assistance to countries in the banking regulation and supervisory area.

Previously he was a Senior Financial Economist for Latin America and the Caribbean,

leading Bank operational work. Mr. Guadamillas has numerous publications on financial

sector issues, notably on financial infrastructure.

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Before joining the World Bank, Mr. Guadamillas was an economist in the Ministry of

Finance of Spain at the Research Department. He also worked for the Central Bank of

Spain as an economic and financial analyst.

He has lectured at the Universidad Autónoma, Universidad San Pablo CEU, Universidad

Alfonso X, Universidad Europea de Estudios Superiores and Universidad Nacional de

Educación a Distancia, all in Madrid, in the areas of macroeconomics, economic policy,

international economies and financial systems.

Mr. Guadamillas earned his M.A. and Ph.D. degrees in business and economics,

respectively, at the Universidad Complutense and Universidad Nacional de Educación a

Distancia in Madrid.

Aerdt Houben

Director of the Financial Markets Division

De Nederlandsche Bank (DNB)

Aerdt Houben (1963) is Director of the Financial Markets Division at De Nederlandsche

Bank (DNB), the Dutch central bank and prudential supervisor, responsible for all

activities related to asset and risk management as well as the monetary operations of

DNB. Prior to this, he was Director of the Financial Stability Division at DNB, assessing

macroprudential risks in the Netherlands and formulating policy proposals to safeguard

financial stability. Before this, he headed the Supervisory Strategy Department during the

integration of prudential supervision on banks, insurance companies, and pension funds

within DNB, and the Monetary Policy Department, including during the change-over to

the euro. He has worked at the IMF, in the Policy Development and Review Department.

He is currently a member of the Committee on the Global Financial System and the

Markets Committee at the BIS, the Advisory Technical Committee of the European

Systemic Risk Board and the Financial Stability Committee of the ECB. He has been a

member of the Basel Committee on Banking Supervision and the International

Organization of Pension Supervisors and has been active in numerous other policy

committees in the context of the IMF, G10, the Eurosystem, the EU’s Economic and

Financial Committee and the EU supervisory committee CEIOPS. He has a Ph.D. in

monetary economics and has published broadly on financial issues.

Jim Yong Kim

President

The World Bank Group

Jim Yong Kim, M.D., Ph.D. is the President of the World Bank Group. Soon after he

became president in July 2012, the organization established two goals: ending extreme

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poverty by 2030 and boosting shared prosperity for the bottom 40 percent of the

population in developing countries. Kim’s career has been focused on health, education,

and delivering services to the poor. Before joining the World Bank, he served as

President of Dartmouth College and held professorships at Harvard Medical School and

the Harvard School of Public Health. From 2003-2005, as Director of the World Health

Organization’s HIV/AIDS Department, he led the “3 by 5” initiative, the first-ever global

goal for AIDS treatment, which helped to expand AIDS treatment in developing

countries. In 1987, Kim co-founded Partners In Health, a non-profit medical organization

now working in poor communities on four continents. Trained as a physician and an

anthropologist, he has received several awards, including a MacArthur “Genius”

Fellowship, and recognitions such as one of America’s “25 Best Leaders” by U.S. News

& World Report, and one of the “100 Most Influential People in the World” by TIME

Magazine.

Masamichi Kono

Vice Minister for International Affairs

Japan Financial Services Agency

Masamichi Kono is currently serving as Vice Minister for International Affairs, Financial

Services Agency, Japan (JFSA) and as President of the Asian Financial Partnership

Center (AFPAC) of the JFSA. As President of AFPAC, he oversees the technical

assistance activities and other outreach activities in Asia undertaken by this newly created

Center. In his current capacity, he represents the JFSA in various international bodies and

meetings, and is responsible for coordinating policies relating to international affairs for

the JFSA. He is also serving as Chairman of the IFRS Foundation Monitoring Board.

He has a long career in financial supervision and the regulation of financial services, both

in Japan and in the international arena, since joining the public service in 1978.

He was Secretary to the WTO Financial Services Committee between 1994 and 1999, as

Counselor of the Trade in Services Division, World Trade Organization. He also served

for 4 years at the OECD Secretariat. He was Chairman of the IOSCO Technical

Committee from April 2011 until May 2012, and thereafter served as Chairman of the

IOSCO Board until the end of his term in March 2013.

Since 2005, he is a Visiting Professor at the University of Hiroshima, Graduate School of

Social Sciences (Finance Program).

He holds a B.A. in law from Tokyo University.

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Christine Lagarde

Managing Director

International Monetary Fund

Born in Paris in 1956, Christine Lagarde completed high school in Le Havre and attended

Holton Arms School in Bethesda (Maryland, U.S.A.). She then graduated from law

school at University Paris X, and obtained a Master’s degree from the Political Science

Institute in Aix en Provence.

After being admitted as a lawyer to the Paris Bar, Christine Lagarde joined the

international law firm of Baker & McKenzie as an associate, specializing in Labor, Anti-

trust, and Mergers & Acquisitions. A member of the Executive Committee of the Firm in

1995, Christine Lagarde became the Chairman of the Global Executive Committee of

Baker & McKenzie in 1999, and subsequently Chairman of the Global Strategic

Committee in 2004.

Christine Lagarde joined the French government in June 2005 as Minister for Foreign

Trade. After a brief stint as Minister for Agriculture and Fisheries, in June 2007 she

became the first woman to hold the post of Finance and Economy Minister of a G-7

country. From July to December 2008, she also chaired the ECOFIN Council, which

brings together Economics and Finance Ministers of the European Union.

As a member of the G-20, Christine Lagarde was involved in the Group's management of

the financial crisis, helping to foster international policies related to financial supervision

and regulation and to strengthen global economic governance. As Chairman of the G-20

when France took over its presidency for the year 2011, she launched a wide-ranging

work agenda on the reform of the international monetary system.

In July 2011, Christine Lagarde became the eleventh Managing Director of the IMF, and

the first woman to hold that position.

Christine Lagarde was named Officier in the Légion d'honneur in April 2012.

A former member of the French national team for synchronized swimming, Christine

Lagarde is the mother of two sons.

David Landsman

Executive Director

The National Money Transmitters Association

Mr. Landsman has worked his entire career in the money transfer business and, at one

time or another, has held positions in just about every functional area. He specializes in

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AML compliance and state licensing matters, and is conversational in Portuguese and

Spanish.

From 2007 to 2010, he served on FinCEN’s BSA Advisory Group. He has consulted for

attorneys and given expert testimony and testified before Congress. He is often invited to

speak at conferences, and has addressed such bodies as the World Bank, FATF and the

UN Development Fund.

As Executive Director of the National Money Transmitters Association since 2004, he

organizes conferences, develops AML compliance training courses and seeks to promote

constructive dialogue among the industry, banks and regulators. He continues working to

unite the industry, uphold its image and protect its access to the banking system.

James A. Lewis

Director of Technology & Public Policy Program

Center for Strategic and International Studies (CSIS)

James A. Lewis directs the CSIS Technology and Public Policy Program. Before joining

CSIS, he was a diplomat and a member of the U.S. Senior Executive Service. His

government experience includes work on policies to secure and commercialize the

internet. Mr. Lewis was the Rapporteur for both the 2010 and the 2012-2013 UN Group

of Government Experts on Information Security and has led a long running Track II

discussion on cybersecurity with the China Institutes of Contemporary International

Relations. He has authored numerous publications since coming to CSIS, including

“Why Privacy and Cybersecurity Clash,” “Net Losses: Estimating the Global Loss of

Cybercrime,” and “Assessing the Risk of Cyber Terror.” He was Executive Director for

CSIS’s Commission on Cybersecurity for the 44th Presidency, the best-selling report

whose contributions to U.S. policy were recognized by the President. Lewis is an

internationally known expert who is frequently quoted in the media. He has testified

numerous times before Congress. His current research examines digital trade, internet

governance, and cybersecurity. He received his Ph.D. from the University of Chicago.

Donato Masciandaro

Professor of Economics

Bocconi University

Donato Masciandaro, born in Italy in 1961, has served from 2001 as Full Professor of

Economics. Since 2005 he holds the Chair in Economics of Financial Regulation at

Bocconi University, Milan. From 2013 he is Head of the Department of Economics; and

he was already Department Head from 2008 to 2010. From 2015, he has served as

President of the Baffi Carefin Centre on Banking, Finance and Regulation; he was

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already Director of the Centre (2008-2014). He is currently Member of the Management

Board and Honorary Treasurer of the SUERF (Sociètè Universitarie Europèenne de

Recherches Financières). From 2014 he is a member of the CEPS (Centre for European

Policy Studies) European Capital Markets Expert Group, as well as Research Associate

of the European Research Centre for Economic and Financial Governance, Erasmus

University of Rotterdam. He served as Visiting Scholar at the IMF Institute as well as

Consultant at the Inter-American Development Bank and at the United Nations. He is

Associate Editor of the Journal of Financial Stability.

Recent books include: “Banking Secrecy and International Financial Markets. Economics

and Politics”, Palgrave Macmillan, Basingstoke Hampshire, 2015, (with O. Balakina);

forthcoming; “Modern Monetary Policy and Central Bank Governance”, (ed.), Edward

Elgar, Cheltenham, 2014, (with S. Eijffinger); “Money, Regulation and Growth: New

Growth in Europe”, (ed). Larcier, Paris, 263-318, 2014 (with M.Balling, Frank Lierman,

and M. Quintyn); “The Handbook of Central Banking, Financial Regulation and

Supervision after the Crisis”, (ed.), Edward Elgar, Cheltenham, 2011, (with S. Eijffinger).

Cardinal Theodore McCarrick

Archbishop Emeritus of Washington

Cardinal Theodore Edgar McCarrick attended St. Joseph’s Seminary, Yonkers, NY,

where he earned a B.A. in 1954 and a Master’s Degree in history in 1958. Francis

Cardinal Spellman ordained him to the priesthood on May 31, 1958 in New York City.

He went on to earn a second Master’s degree in social sciences and a Ph.D. in sociology

from The Catholic University of America, Washington, D.C.

In 1986 and again in 1992, the U.S. Conference of Catholic Bishops (USCCB) elected

then-Archbishop McCarrick to head its Committee on Migration. In 1992, he also was

named to head the Committee for Aid to the Church in Central and Eastern Europe; in

1996, as chair of the Committee on International Policy; and in 2001, as Chairman of the

Domestic Policy Committee. Other USCCB committees on which the Cardinal has

served are Administrative, Doctrine, Laity, Latin America and the Missions. He was

elected one of 15 U.S. bishops to serve as a member of the Synod for America held in

1997. At the conclusion of that Synod, the bishops elected him to serve on the Post

Synodal Council.

A founding member of the Papal Foundation, he has served as its president since 1997.

Cardinal McCarrick also is a member of the Board of Catholic Relief Services. For the

Vatican, he serves on the Pontifical Council for Promoting Christian Unity, Pontifical

Council for Justice and Peace, Pontifical Council for the Pastoral Care of Migrants and

Itinerant Peoples, Pontifical Commission for Latin America and the Administration of the

Patrimony of the Holy See.

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He has visited many nations as a human rights advocate and to survey humanitarian

needs. These include China, Cuba, Iran, Vietnam, the Philippines, Saudi Arabia, South

Korea, Rwanda and Burundi. He also has traveled extensively in Eastern Europe and

Central America. In November 1996, then-Archbishop McCarrick was invited to serve on

the Secretary of State’s Advisory Committee on Religious Freedom Abroad and from

1999-2001 he was a member of the United States Commission for International Religious

Freedom.

In January 2000, the President of Lebanon named him an Officer of the Order of the

Cedars of Lebanon and in December 2000, the President of the United States presented

him with the Eleanor Roosevelt Award for Human Rights, just two of many honors he

has received.

On January 2, 2001, he was installed as Archbishop of Washington, a position he held

until May 16, 2006. Just seven weeks after his installation, on February 21, 2001, he was

elevated to the College of Cardinals by Pope John Paul II. He took possession of his

titular church, Ss. Nereus and Achilleus, on June 28, 2001.

As Archbishop of Washington, Cardinal McCarrick served as Chancellor of The Catholic

University of America and president of the Board of Trustees of the Basilica of the

National Shrine of the Immaculate Conception, and placed an emphasis on education,

vocations and meeting the needs of new immigrants, particularly in the Latino

community.

He traveled around the world, including trips to areas affected by major natural disasters,

such as Central America, Sri Lanka and Louisiana and Mississippi post-Hurricane

Katrina, to ensure people in need would receive assistance, and to bring prayer and

financial support.

He also continued to travel on behalf of Catholic Relief Services, and to fulfill various

responsibilities for the Vatican and the United States Conference of Catholic Bishops.

Among many notable events, Cardinal McCarrick was one of 115 Cardinals in the world

who participated in the conclave that elected Pope Benedict XVI as the successor to Pope

John Paul II in April 2005.

Barbara Novick

Vice Chairman

BlackRock

Barbara G. Novick, Vice Chairman, is a member of BlackRock's Global Executive and

Global Operating Committees and Chairs the Government Relations Steering Committee.

From the inception of the firm in 1988 to 2008, Ms. Novick headed the Global Client

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Group and oversaw global business development, marketing and client service across

equity, fixed income, liquidity, alternative investment and real estate products for

institutional and individual investors and their intermediaries worldwide. In her current

role, Ms. Novick heads the firm’s efforts globally on Government Relations and Public

Policy, and she serves as a board member to the BlackRock Equity-Liquidity and

BlackRock Closed End fund families.

Prior to founding BlackRock in 1988, Ms. Novick was a Vice President in the Mortgage

Products Group at The First Boston Corporation. Ms. Novick joined First Boston in 1985,

where she became head of the Portfolio Products Team. From 1982 to 1985, Ms. Novick

was with Morgan Stanley.

Ms. Novick has authored numerous articles on asset management and public policy

issues. Ms. Novick is a member of CFA Institute’s Future of Finance Advisory Council

and Reuters’ Editorial Advisory Board. She currently serves as a Trustee of Cornell

University, UJA-Federation, and the HCM Foundation, and coaches in the Westchester

Youth Soccer League. Ms. Novick previously served on the boards of Robert Toigo

Foundation (2007–2010), City Harvest (2010-2012) and Westchester Day School (2000-

2005), and served as both Treasurer and Trustee of Westchester Jewish Center (1994-

2012). Ms. Novick earned a B.A. degree, cum laude, in economics from Cornell

University in 1981.

Dr. Vincent Papa

Director of Financial Reporting Policy Group

CFA Institute

Dr. Papa is a Director of Financial Reporting Policy Group at CFA Institute, usually

working from the London office and currently working from the New York office. His

role over the last seven years has focused on financial reporting for capital markets policy

research and advocacy for investors’ financial reporting information needs with a specific

focus on U.S. GAAP and IFRS accounting standards. He has focused on bank risk

disclosures and performance reporting. Dr. Papa is a member of the following standard

setter and regulatory working groups:

International Financial Reporting Standards (IFRS) advisory council. The advisory

council advises the IASB on strategy and agenda. He also previously served on the

IASB Capital Markets Advisory Committee (CMAC) for six years (2007-2013)

European Securities Markets Authority (ESMA) Corporate Reporting Standing

Working Committee (CRSWC)

European Financial Reporting Advisory Group (EFRAG) user panel

Financial Stability Board (FSB) Enhanced Disclosure Task Force (EDTF)

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Prior to joining CFA Institute, Dr. Papa had experience as an investment analyst at

Observatory Capital Hedge Fund in London, undertaking fundamental credit analysis of

European companies issuing high yield securities. In addition, he has 11 years’

experience working as an auditor and management consultant at KPMG, Accenture, and

PricewaterhouseCoopers in Johannesburg and Nairobi.

Ceyla Pazarbasioglu

Deputy Director

Monetary and Capital Markets Department

International Monetary Fund

Dr. Ceyla Pazarbasioglu is a Deputy Director in the Monetary and Capital Markets

Department of the IMF. She is in charge of the work on financial sector oversight and

crisis management. She manages the Fund’s work on the global regulatory reform agenda

and its implementation in member countries and led the Financial Sector Assessment

Programs (FSAPs) for the United Kingdom (2011) and Spain (2012). Dr. Pazarbasioglu

represents the Fund at the Financial Stability Board (FSB) Resolution Steering Group and

World Economic Forum Global Agenda Council on Global Financial Systems. She has

worked at the IMF during 1992-98 and since 2004, Dr. Pazarbasioglu was appointed as

the Vice President of the Banking Regulation and Supervision Agency of Turkey after

the major banking crisis of February 2001. As a senior official, she was part of the crisis

management team and coordinated the bank recapitalization and restructuring efforts.

During 1998–2001, Dr. Pazarbasioglu worked as the Chief Economist of Emerging

European Markets at ABN AMRO Investment Bank in London. Prior to 1998, she

worked at the IMF on financial sector issues and bank restructuring strategies for the

Nordic countries, and many emerging and developing market countries. She holds a

Ph.D. in economics from Georgetown University, was a visiting scholar at Princeton

University, and is a certified Securities and Financial Derivates Representative. She has

published papers and edited books on crisis management and financial sector regulations.

Nomi Prins

Distinguished Fellow

Demos

Nomi Prins is a renowned journalist, author and speaker. Her latest book, All the

Presidents' Bankers, is a groundbreaking narrative about the relationships of presidents to

key bankers over the past century and how they impacted domestic and foreign policy.

Her other books include a historical novel about the 1929 crash, Black Tuesday, and the

hard-hitting expose It Takes a Pillage: Behind the Bonuses, Bailouts, and Backroom

Deals from Washington to Wall Street (Wiley, 2009/2010). She is also the author

of Other People’s Money: The Corporate Mugging of America (The New Press, 2004)

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which was chosen as a Best Book of 2004 by The Economist, Barron's and The Library

Journal, and Jacked (Polipoint Press, 2006).

She has appeared on numerous TV programs: internationally for BBC, RtTV, and

nationally for CNN, CNBC, MSNBC, CSPAN, Democracy Now, Fox and PBS. She has

been featured on hundreds of radio shows globally including for CNNRadio,

Marketplace, NPR, BBC, and Canadian Programming. She has featured in numerous

documentaries shot by international production companies, alongside prominent thought-

leaders, and Nobel Prize winners.

Her writing has been featured in The New York Times, Fortune, Newsday, Mother Jones,

The Daily Beast, Newsweek, Truthdig, The Guardian, The Nation, Alternet, NY Daily

News, LaVanguardia, and other publications.

Her engaging key-note speeches are thoughtfully tailored, and she has spoken at

numerous venues including the Purdue University/Sinai Forum, University of Wisconsin

Eau Claire Forum, Ohio State University Law School, Columbia University, Pepperdine

Graduate School of Business, Manhattan College, National Consumer Law Center,

Environmental Grantmakers Association, NASS Spinal Surgeons Conference, and the

Mexican Senate.

She is a member of Senator Bernie Sanders (I-VT) Federal Reserve Reform Advisory

Council, and is listed as one of America's TopWonks. She is on the advisory board of the

whistle-blowing organization ExposeFacts, and a board member of the animal welfare

and wildlife conservation group, Born Free USA.

Nomi received her B.S. in math from SUNY Purchase, and M.S. in statistics from New

York University, where she completed all required coursework for a Ph.D. in statistics.

Before becoming a journalist, Nomi worked on Wall Street as a managing director at

Goldman Sachs, ran the international analytics group as a senior managing director at

Bear Stearns in London, and worked as a strategist at Lehman Brothers and analyst at the

Chase Manhattan Bank.

She is currently a Distinguished Senior Fellow at the non-partisan public policy think-

tank Demos.

Andrzej Raczko

Member of the Management Board

National Bank of Poland

Dr. Andrzej Raczko was born in 1953 in Kutno. In 1977, he graduated from the

University of Łódź specialising in econometrics. In 1985, he obtained his Ph.D. in

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economics and then worked as an assistant professor at the University of Łódź. He

collaborated with academic centres in the United Kingdom, France, and Central

European countries within the framework of EU research projects.

Since the 1990s, he has worked in the banking sector, among others in LG Petro Bank

SA, where he was CEO. In 1999-2001, working in PKO BP, he was in charge of the

mortgage bank project. In 2003, he was Vice President of Bank Gospodarki

Żywnościowej SA.

In 2001-2002, Dr. Raczko was Undersecretary of State in the Ministry of Finance. His

responsibilities covered public debt management, financial negotiations with the

European Union, and co-operation with international financial institutions.

Dr. Raczko served as Minister of Finance in the final stage of Poland’s accession to the

European Union (2003-2004). After 2004, Dr. Raczko served as Alternate Executive

Director and subsequently as visiting scholar in the International Monetary Fund. He was

also Chief Economist and Director of Research Department in the Polish Financial

Supervision Authority.

Gérard Rameix

President

Autorité des Marchés Financiers, France

Gérard Rameix was appointed Chairman of the Autorité des Marchés Financiers by

Decree of the French President on August 1, 2012.

Gérard Rameix, 63, has a Postgraduate Diploma in public law, graduated from the Paris

Institut d’Etudes Politiques and is also an alumnus of the Ecole Nationale Administration

(ENA) (Class of 1978, Pierre Mendès France).

He began his career in 1978 as an Auditor at the French Court of Audit (Cour des

Comptes), becoming an Assistant Judge of the Court in 1982. After working on

secondment as Unit Head at the Budget Directorate of the Finance Ministry, Gérard

Rameix returned to the Court of Audit in 1984 and was then appointed as a Technical

Adviser to the Private Office of the Prime Minister from 1986 to 1988. He was Director

of Industrial Affairs (1989) and then Director of Financial Operations and Investments

(1990) for the company Hottinguer Finances and became Chairman of the company

Finindex in 1990. Gérard Rameix was appointed Director of the National Employee

Health Insurance Scheme in 1993 and Deputy Director of the Private Office of the Prime

Minister in 1997.

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Roberto Rocha

Senior Advisor

Finance & Markets Global Practice

The World Bank

Roberto Rocha did his graduate studies in economics at the Vargas Foundation in Brazil

and the Massachusetts Institute of Technology in Cambridge, Massachusetts. He was a

young professional at the IMF and transferred to the World Bank in 1985, where has been

since then. In his career in the Bank, he has been involved in research and operational

work in macroeconomic stabilization, financial sector reform, financial sector

development, systemic pension reform, and private pension development. In the 1990s,

Mr. Rocha was stationed in Budapest as a lead economist in the Central European office

of the World Bank leading the Bank’s work in the areas of bank and enterprise

restructuring, financial reform and pension reform in several transition countries. In the

following decade, he managed the private pensions unit and the financial development

policy unit and led several FSAPs in Central Europe and other regions. In 2009, Mr.

Rocha became the Senior Advisor for the Middle East and North Africa region, where he

led the diagnostic of MENA financial sectors and the main FSAPs in the region and

provided advice to the main operations with client countries. He also advised the World

Bank Group in the elaboration of the SME Finance reports for the G20. He is currently

Senior Advisor and global lead for the financial oversight group of the new F&MGP. In

this capacity, he has continued to lead financial sector strategies and FSAPs in East Asia,

and perform advisory functions in several regions.

Nathan Sheets

Under Secretary for International Affairs

U.S. Department of the Treasury

Nathan Sheets was confirmed by the U.S. Senate as the Treasury Department’s Under

Secretary for International Affairs in September 2014. In this position, he serves as the

senior official responsible for advising the Secretary of the Treasury on international

economic issues.

Previously, Mr. Sheets worked as Global Head of International Economics at Citigroup, a

position which he took up in September 2011. In that role, he provided economic and

financial insights to the firm’s institutional clients around the world and helped lead

Citi’s team of economists. He also appeared regularly on CNBC, Bloomberg TV, and

CNN International. His research projects focused on global themes, with a particular

emphasis on the role of the United States in the world economy.

Mr. Sheets worked previously at the Federal Reserve Board for 18 years in a variety of

positions. From September 2007 to August 2011, he served as Director of the Board’s

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Division of International Finance and as one of three Economists to the Federal Open

Market Committee (FOMC). He advised the Committee on macroeconomic and

financial developments in foreign economies, as well as on the outlook for U.S. trade, the

dollar, and global commodity prices. He also played a key role in the Fed’s swap line

program with other central banks during the financial crisis. Mr. Sheets represented the

Federal Reserve at a range of international meetings and was a member of the Committee

on the Global Financial System (CGFS) sponsored by the Bank for International

Settlements. From 2006-07, while on leave from the Board, he served as a Senior

Advisor to the U.S. Executive Director at the International Monetary Fund.

Mr. Sheets has published research in the Journal of Money, Credit, and Banking, the

Journal of International Money and Finance, the Journal of International Economics and

the Review of International Economics. He received his B.A. in economics from

Brigham Young University in 1989. As a recipient of the National Science Foundation

Fellowship, he completed his Ph.D. studies at the Massachusetts Institute of Technology

in 1993. Mr. Sheets is a member of the Council on Foreign Relations.

HO Hern Shin

Executive Director

Monetary Authority of Singapore

HO Hern Shin has been with the Monetary Authority of Singapore since 1999. In her

current capacity as Executive Director (Specialist Risk Department), she oversees the

supervision of technology and cyber security risk for all financial institutions in

Singapore. She also oversees the supervision of payment systems, and the provision of

specialized risk expertise to support the supervision of financial and business continuity

risks for financial institutions in Singapore. Through her previous roles in MAS, Ms. Ho

has experience in developing bank capital policies, supervising life insurance companies,

as well as in human capital management and organizational development. Prior to

joining the MAS, Ms. Ho was a fixed income proprietary trader, and subsequently a

credit analyst in the early part of her career. Ms. Ho has a first class B.Sc. degree in

monetary economics from the London School of Economics in the UK.

Michael Solomon

Associate Director of the Division of Banking Supervision and Regulation

Federal Reserve Board

Michael Solomon is an Associate Director in the Division of Banking Supervision and

Regulation at the Board of Governors of the Federal Reserve System. He is an officer

with responsibility for a diverse range of work, including BSA/AML, Corporate

Governance, Enforcement, and Resolution and Recovery Planning.

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Mr. Solomon also has held senior leadership positions at several U.S. banking agencies.

Before joining the Board, Mr. Solomon led the Office of Thrift Supervision’s work in

Supervision Policy, with a focus on Capital Policy during the development by the U.S.

banking agencies of capital standards based on the Basel II international standards.

Earlier in his career he served as a senior official in the Legal Division of the Federal

Deposit Insurance Corporation, where he led negotiations to resolve some of the most

significant cases resulting from the savings and loan crisis. Before that, he served as a

Special Assistant to the Chairman of the Federal Home Loan Bank Board during that

crisis and helped implement some of the reforms that followed. He began his career in

Washington by serving as Counsel to the United States House of Representatives with a

focus on banking issues. He also practiced law privately, both in Washington and New

Jersey.

Mr. Solomon is a graduate of the Benjamin Cardozo School of Law in New York City,

and Franklin and Marshall College in Lancaster, Pennsylvania.

Richard Thorpe

Adviser on Accounting & Auditing

Financial Stability Board

Richard Thorpe is Adviser on Accounting and Auditing at the Financial Stability Board

based at the Bank for International Settlements in Basel. He is responsible for all

accounting, auditing and public reporting policy, including the FSB’s work on converged

accounting standards, on risk disclosures, and on enhancing audit quality in the audits of

Globally Significant Financial Institutions. He is also responsible for work on long-term

investment, and contributes to work on capital standards for insurers and on corporate

liability structures. Richard joined the FSB in January 2013, and before that was Head of

Accounting and Audit Policy at the U.K. Financial Services Authority, where he led work

on enhancing audit quality and public disclosures, as well as all aspects of accounting

policy across banking, insurance and securities regulation. Richard is a U.K. chartered

accountant who has worked in financial services regulation for nearly 30 years.

John Trundle

Chief Executive Officer

Euroclear UK & Ireland (EUI)

John Trundle is Chief Executive Officer of Euroclear U.K. & Ireland (EUI), the Central

Securities Depository. EUI operates the CREST system which is a reliable, low risk and

efficient securities settlement system for the UK and Ireland. EUI also offers other

services notably for collateral management and transactions in the funds industry. Mr.

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Trundle was previously Chief Risk Officer of the Euroclear group and an executive

director of Euroclear Bank. He began his career with the Bank of England first as an

economist, later as private secretary to the Governor, and then as head of the Market

Infrastructure Division (with responsibility for the oversight of payment systems) and

Business Continuity Division. He was the U.K. member of the Basel Committee on

Payment and Settlement Systems (CPSS), where he chaired the group which produced

the Core Principles for Systemically Important Payment Systems in 2001. Mr. Trundle

holds an MBA from the London Business School (U.K.) and an economics degree from

Cambridge University. He is a member of the FCA Markets Practitioner Panel, the

editorial board of the Journal of Financial Market Infrastructures, the SWIFT Institute

Advisory Committee and the World Bank’s G25 Panel of Experts on financial market

infrastructure. He is also Chairman of the City-based charity, Blind in Business.

José Viñals

Financial Counsellor and Director

Monetary and Capital Markets Department

International Monetary Fund

José Viñals is currently the Financial Counsellor and Director of the Monetary and

Capital Markets Department of the International Monetary Fund (IMF). He is a member

of the Financial Stability Board, representing the IMF.

His professional career has been closely tied to the Central Bank of Spain, where he

served as the Deputy Governor after holding successive positions.

He has also held the positions of Chairman of the European Central Bank International

Relations Committee and Chairman of Spain’s Deposit Guarantee Funds.

He has been a member of: the Bank for International Settlements (BIS) Committee on the

Global Financial System; the European Central Bank Monetary Policy Committee; and

the high-level group appointed by the President of the European Commission to examine

economic challenges in the European Union. He was also a member of the European

Union Economic and Financial Committee and a Board Member of the Spanish

Securities Authority, the Comisión Nacional del Mercado de Valores.

He holds a Bachelor's degree in economics from the University of Valencia; a Master’s

degree in economics from the London School of Economics; and Master's and Doctoral

(Ph.D.) degrees in economics from Harvard University. He is a former Faculty Member

of the Economics Department at Stanford University.

His awards include the Premio Rey Jaime I (King James I Prize) in Economics in 2001.

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Frédéric Visnovsky

Deputy Secretary General

Bank of France - Autorité de Contrôle Prudentiel et de Resolution

Frédéric Visnovsky is Deputy Secretary General at Autorité de Contrôle Prudentiel et de

Resolution (ACPR) since July 2011, in charge of the departments dealing with the

supervision of banks, licensing and study.

Member of European Banking Authority (EBA) Board of Supervisors

Chair of EBA Standing Committee on Accounting Reporting and Auditing (SCARA)

Secretary General of the Consultative Committee of the Financial Legislation and

Regulation (CCLRF)

Member of the French Accounting Committee (ANC)

During 2014, Chair of the French Steering Committee for the Comprehensive

assessment.

At the Banque de France since 1984, Frédéric Visnovsky started as a Financial Analyst

before becoming Financial Counsellor at the French Embassy in Algeria for three years.

Joining the Commission Bancaire, he was successively Head of the Accounting

Department when BAFI (new prudential reporting) was introduced (1992-1996), Head of

the International Department during Basel 2 negotiation (1997-2003) and Deputy

Director and Director for Supervision of Mutual Banks and Investment Firms (2004 –

July 2011).

Janet L. Yellen

Chair

Board of Governors of the Federal Reserve System

Janet L. Yellen took office as Chair of the Board of Governors of the Federal Reserve

System on February 3, 2014, for a four-year term ending February 3, 2018. Dr. Yellen

also serves as Chairman of the Federal Open Market Committee, the System's principal

monetary policymaking body. Prior to her appointment as Chair, Dr. Yellen served as

Vice Chair of the Board of Governors, taking office in October 2010, when she

simultaneously began a 14-year term as a member of the Board that will expire January

31, 2024.

Dr. Yellen is Professor Emeritus at the University of California at Berkeley where she

was the Eugene E. and Catherine M. Trefethen Professor of Business and Professor of

Economics and has been a faculty member since 1980.

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Dr. Yellen took leave from Berkeley for five years starting August 1994. She served as a

member of the Board of Governors of the Federal Reserve System through February

1997, and then left the Federal Reserve to become chair of the Council of Economic

Advisers through August 1999. She also chaired the Economic Policy Committee of the

Organization for Economic Cooperation and Development from 1997 to 1999. She also

served as President and Chief Executive Officer of the Federal Reserve Bank of San

Francisco from 2004 to 2010.

Dr. Yellen is a member of both the Council on Foreign Relations and the American

Academy of Arts and Sciences. She has served as President of the Western Economic

Association, Vice President of the American Economic Association and a Fellow of the

Yale Corporation.

Dr. Yellen graduated summa cum laude from Brown University with a degree in

economics in 1967, and received her Ph.D. in economics from Yale University in 1971.

She received the Wilbur Cross Medal from Yale in 1997, an honorary doctor of laws

degree from Brown in 1998, and an honorary doctor of humane letters from Bard College

in 2000.

An Assistant Professor at Harvard University from 1971 to 1976, Dr. Yellen served as an

Economist with the Federal Reserve's Board of Governors in 1977 and 1978, and on the

faculty of the London School of Economics and Political Science from 1978 to 1980.

Dr. Yellen has written on a wide variety of macroeconomic issues, while specializing in

the causes, mechanisms, and implications of unemployment.

Juan C. Zarate

Senior Adviser, Transnational Threats Project and Homeland Security and

Counterterrorism Program

Center for Strategic and International Studies (CSIS)

Juan Zarate is a Senior Adviser at CSIS, the Senior National Security Analyst for CBS

News, a visiting lecturer at the Harvard Law School, and a national security and financial

integrity consultant. Mr. Zarate served as Deputy Assistant to the President and Deputy

National Security Adviser for Combating Terrorism from 2005 to 2009 and was

responsible for developing and implementing the U.S. government’s counterterrorism

strategy and policies related to transnational security threats. He was the first ever

Assistant Secretary of the Treasury for terrorist financing and financial crimes, where he

led domestic and international efforts to attack terrorist financing, the innovative use of

the Treasury Department’s national security–related powers, and the global hunt for

Saddam Hussein’s assets. He is also a former federal prosecutor who served on terrorism

prosecution teams prior to 9/11, including the investigation of the USS Cole attack.

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Mr. Zarate is the author of the recently published Treasury’s War: The Unleashing of a

New Era of Financial Warfare (PublicAffairs, 2013), Forging Democracy (University

Press of America,1994), and a variety of articles in the New York Times, Washington

Post, Wall Street Journal, Los Angeles Times, Washington Quarterly, and other

publications. He has his own weekly national security program on CBSNews.com called

Flash Points. He is a graduate of both Harvard College and Harvard Law School and a

former Rotary International Fellow (Universidad de Salamanca, Spain). Mr. Zarate sits

on several boards of advisers, including for the Director of the National Counterterrorism

Center (NCTC) and HSBC’s Financial Services Vulnerabilities Committee.