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Meeting Participant Biographies - March 28, 2007
Meeting Participant Biographies - March 28, 2007
Steven O. App
Prior to joining the FDIC, Mr. App served as the Deputy CFO at both the U.S. Treasury Department and the Department of Housing and Urban Development (HUD), as well as a Partner at Risk Concepts, Ltd., an international bank consulting firm. He started and spent the first 12 years of his career at the Federal Reserve Board.
Mr. App holds BS and MBA degrees from the University of Maryland, and is a pre-candidate for a Ph.D. in economics at George Mason University. He is also a graduate of the American Bankers Association's Stonier Graduate School of Banking, a Certified Government Financial Manager (CGFM), a member of the World Future Society, and a Fellow at the National Academy of Public Administration (NAPA).
Mr. App currently resides in Alexandria, Virginia, with his wife Linda and their two sons.
In 1994 Steve received 2 patents for his work on small ticket credit acceptance. These patents helped start a new industry which grew from nothing to 60 billion in sales last year! His most recent international patent is for the fast food call center featured in Thomas Friedman's, "The World is Flat".
Since founding America's Family in 2002, Steve has brought this industry changing experience to the world of the working poor. He has focused on helping hardworking employees and their families achieve self-sufficiency. This is achieved by crafting breakthrough strategies for the hardworking individuals, which lever the employer as the conduit to transformation. Steve has defined the model to fulfill an overarching goal: to inspire, empower, and transform the lives of hardworking Americans by providing a ladder of resources that will bridge the gap between working and middle class societies.
Steve received the national Theodore E. Small Workforce Partnership Award for enlisting employers and fostering public, private and nonprofit collaborations. He is the only two-time recipient of McDonald's Ronald Award, an honor rewarding lifetime achievement in selfless community service. Steve is the Colorado Springs Business Citizen of the year. In November 2004, he was inducted into the Ashoka International Lifetime Fellowship for his innovative approach and success in helping families become self-sufficient. Steve is currently collaborating with another Ashoka fellow's organization, the Grameen Bank. Muhammad Yunus and the Grameen Bank won the Nobel Peace prize in 2006.
He regularly speaks around the country and has become actively involved with the Bankers Association International (BAI) and crafting innovative capitalization strategies for the unbanked and under banked.
Since 1996, Norb has served on the Board of Directors of the Pennsylvania Credit Union Association and was elected Chairman of the Board in May, 2005. In addition, he serves as Treasurer of the Board of Directors of the Pennsylvania Credit Union Service Center Corporation (PaCUSC).
A life long resident of Erie, Norb holds a Bachelor of Arts degree in mathematics from Gannon University in Erie and earned a M.Ed. in Guidance and Counseling from Edinboro University in Edinboro, PA. He also holds the Certified Credit Union Executive certification.
Laurie S. Kennedy
Before joining PCUA, Ms. Kennedy served as Sr. Vice President and General Counsel to Gateway Funding Diversified Mortgage Services where she provided legal counsel to the organization in connection with mortgage banking operations. From 1993 to 2003 she served as Deputy Chief Counsel for the Pennsylvania Department of Banking. Ms. Kennedy has served on a number of task forces and conducted numerous presentations for the Conference of State Banking Supervisors. She has conducted presentations for the Pennsylvania Bar Institute on numerous banking law issues. She earned her J.D. from the Dickinson School of Law and a Bachelors Degree from the Pennsylvania State University.
Michael H. Krimminger
Before working with the FDIC, he practiced banking law and litigation in Los Angeles and Washington, D.C. Mr. Krimminger is a graduate of the University of North Carolina and received his J.D., with Distinction, from Duke University School of Law, where he served on the Editorial Board of the Duke Law Journal. Mr. Krimminger has spoken at a wide variety of international conferences on banking issues and published a number of analyses of banking and insolvency issues. Recent publications include "Deposit Insurance and Bank Insolvency in a Changing World: Synergies and Challenges," "Adjusting the Rules: What Bankruptcy Reform Will Mean for Financial Market Contracts," "Controlling Moral Hazard in Bank Resolutions: Comparative Policies & Considerations in System Design," and "The Evolution of U.S. Insolvency Law for Financial Market Contracts."
Prior to Prosper, Mr. Larsen co-founded and served as Chairman and CEO of E-LOAN. Under Mr. Larsen's leadership, E-LOAN closed over $27 billion in consumer loans, and was consistently ranked as one of America's most trusted consumer brands. E-LOAN earned consumers' trust by taking radically pro-consumer actions such as being the first company to provide consumers with access to their credit scores, and playing a critical role in the passage of the strongest consumer financial privacy protection law in the nation. Mr. Larsen led E-LOAN through a successful IPO in 1999, and oversaw the company's acquisition by Popular, Inc. in 2005.
Mr. Larsen holds an M.B.A. degree from Stanford University and a B.S. degree from San Francisco State University, where he was named the 2004 Alumnus of the Year.
Robert W. Mooney
He was named Associate Director in 2005, Chief of the CRA and Fair Lending Section in 2002, and Assistant Director in 1999. Other positions with the FDIC included appointment as Senior Fair Lending Specialist in the Washington Office in 1995; Community Affairs Officer for the Chicago Region in 1992; and Managing Agent, in 1989, as chief executive of several FDIC/RTC-supervised thrifts. He has represented the FDIC on several interagency CRA and Compliance initiatives and authored Side by Side, a Guide to Fair Lending.
Prior to joining the FDIC, Mr. Mooney had more than ten years of senior management experience in banking, including Regional Vice President, and Director for Retail Banking of a multi-state financial institution; Director of Mergers and Acquisitions, and Vice President for Employee Relations. Mr. Mooney was active in civic affairs, serving on the board of directors, and as President or Treasurer, of several community development corporations and numerous other civic organizations or committees. The Massachusetts State Senate awarded him its Commendation for his work in community development and equal opportunity.
Michael A. Wishnow
Prior to joining the Association, Mr. Wishnow served as the Press Secretary and Manager of Information and Consumer Services for the Pennsylvania Department of Banking for fifteen years, serving under four governors and seven Secretaries of Banking. Mr. Wishnow received his Bachelor of Arts degree in communications and political science from the University of Pittsburgh and his Masters degree in public administration from the Graduate School of Public and International Affairs at the University of Pittsburgh.
He has also served as the President of the Pennsylvania Jump$tart Coalition for Youth Financial Literacy, on the Board of Directors for Junior Achievement of Dauphin and Lebanon Counties, and as a member of Governor Ed Rendell's Task Force for Working Families. He has served on the drafting committee for the Pennsylvania Comprehensive Affordability Strategy and on the Ford Motor Company's Philadelphia Dispute Resolution Board. Mr. Wishnow coaches youth soccer, basketball, and baseball, and is involved in various other civic and religious organizations. He lives in Harrisburg with his wife, Julie, and two children, David and Jonathan.
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