Jo Ann is CEO of Barefoot Innovation Group, Senior Fellow Emerita at the Harvard Kennedy School Center for Business & Government, and Cofounder of Hummingbird Regtech, a startup focused on AML. A noted advocate of “regulation innovation,” Jo Ann is writing a book on financial innovation and regulation. She has been Deputy Comptroller of the Currency, partner at KPMG, Co-Chairman of Treliant Risk Advisors, and staff member at the U.S. Senate Banking Committee. She’s an angel investor, serves on the board of Oportun, and advises financial companies and governments in the United States and other counties. She also served on the CFPB’s Consumer Advisory Board and chairs the board of the Center for Financial Services Innovation. Jo Ann hosts the podcast show Barefoot Innovation and has published nearly 200 articles. She is a popular public speaker, addressing thousands of people annually throughout the world. www.jsbarefoot.com.