Banking on Data: Great Possibilities, Great Responsibilities

Irina Raicu is the director of the Internet Ethics Program at the Markkula Center for Applied Ethics, based in Santa Clara University. She is a Certified Information Privacy Professional and was formerly an attorney in private practice. Her work addresses a wide variety of issues including online privacy and data ethics, content moderation, the digital divide, and AI ethics. Raicu is a member of the Partnership on AI's working group on Fair, Transparent, and Accountable AI; her writing has appeared in a variety of publications (including The Atlantic, MarketWatch, and Recode); and she has authored or co-authored multiple teaching materials designed to integrate applied ethics into technology-related courses and professional practice.

Patrice Alexander Ficklin is the founding director of the CFPB’s Office of Fair Lending & Equal Opportunity, which coordinates the Bureau’s efforts to fulfill its responsibilities to ensure fair, equitable and nondiscriminatory access to credit and has played an integral role in various Bureau innovation initiatives such as the issuance of its first No Action Letter, guidance on alternative financial data, and a techsprint on adverse action notices.

Her prior experience includes negotiating complex transactions and leading teams engaged in counseling industry and consumer advocate organizations on regulatory compliance, consumer protection, fair lending, fair housing and fair employment.

Patrice has mediated employment discrimination claims and arbitrated individual lending discrimination claims made by Black farmers in Pigford v. Glickman, a class action lawsuit against the U.S. Department of Agriculture.

Patrice is a graduate of Georgetown University and Harvard Law School.

Aaron Roth is a professor of Computer and Information Sciences at the University of Pennsylvania, affiliated with the Warren Center for Network and Data Science, and co-director of the Networked and Social Systems Engineering (NETS) program. He is also an Amazon Scholar at Amazon AWS. He is the recipient of a Presidential Early Career Award for Scientists and Engineers (PECASE) awarded by President Obama in 2016, an Alfred P. Sloan Research Fellowship, an NSF CAREER award, and research awards from Yahoo, Amazon, and Google. His research focuses on the algorithmic foundations of data privacy, algorithmic fairness, game theory, learning theory, and machine learning. Together with Cynthia Dwork, he is the author of the book “The Algorithmic Foundations of Differential Privacy.” Together with Michael Kearns, he is the author of “The Ethical Algorithm”.

Nancy Wallace is a Professor of Finance and Real Estate and holds the Lisle and Roslyn Payne Chair in Real Estate and Capital Markets at the Haas School of Business, the University of California, Berkeley. She is Chair of the Real Estate Group, Co-Chair of the Fisher Center for Real Estate and Urban Economics, and directs the Real Estate and Financial Markets Laboratory. She teaches asset-backed securitization, real estate investment analysis, real estate strategy, and real estate finance at Haas. Her research focus includes residential house price dynamics, mortgage contract design and pricing, securitization and asset backed security pricing and hedging, lease contract design and pricing, methods to underwrite energy efficiency in commercial mortgages, and valuation models for executive stock options. She has served as a visiting scholar at the New York Federal Reserve Bank, the San Francisco Federal Reserve Bank, the Université de Cergy Pointoise, Centre de Recherche THEMA (Théorie Economique, Modélisation, et Applications), and the Stockholm School of Economics. Professor Wallace is a past President of the American Real Estate and Urban Economics Association and a past member of the AREUEA Board of Directors. Professor Wallace served on the Financial Research Advisory Committee, Office of Financial Research, U.S. Treasury Department (2013-2016), the Model Validation Council (MVC) of the Federal Reserve System (2013-2016), and served as chair of the MVC 2015-2016.