Advisory Board

Santiago Carbo Valverde

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Santiago Carbo Valverde is a Professor of Economics and Finance at CUNEF Business School (Spain) and the Bangor Business School (United Kingdom). He is the Head of Financial Studies of the Spanish Savings Bank Foundation (Funcas) and Executive Director of the Observatory of Financial Digitalization of Funcas, the main observatory in the field in Spain. He is a member of he European Shadow Regulatory Committee. He has been or continues to be lead researcher and consultant for public institutions such as the European Central Bank, the European Commission, the Spanish Ministry of Science and Innovation, the Spanish Ministry of Labor, Institute of European Finance, and for private institutions such as banks. He was also a banking and finance consultant at the Federal Reserve Bank of Chicago.

Santiago’s field of expertise includes financial intermediaries and markets including lending and securitization technologies and the finance-growth nexus with particular attention to SME finance. In the last few years, he has paid particular attention to emerging bank business channels, payment systems, bank innovations and their impact on bank-customer relationships. 

In the payments and FinTech field, Santiago has been a consultant to firms such as MasterCard, Euro6000 (one of the main payment card providers in Spain), Prosegur (one of the leading international cash management companies) and several European banks. The areas of study have covered platform competition, the evolution of cash usage in Europe, the United States and China, the role of interchange fees in the payment card industry, the substitution of branches by ATM and the efficiency of electronic payments compared to other traditional payment media. 

Santiago has written over 200 articles on financial markets. He has presented his findings and discussed financial market developments at international institutions (G-20, World Bank, World Savings Banks Institute), various central banks and government bodies. He earned his BA in economics from the University of Valencia, Spain and his PhD in economics and masters in Banking and Finance from the University of Wales, Bangor, United Kingdom.

Lucia Dettori

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Lucia Dettori is a professor and associate dean in the College of Computing and Digital Media at DePaul University in Chicago. She has taught courses in a variety of computing subjects including information assurance, cybersecurity, e-commerce technology, application development, and database technology. Lucia has done extensive research in computer science, mathematics and scientific computing. Several projects were funded by multi million dollars grants from federal agencies and private foundations including National Science Foundation, NATO, NASA, IBM, Google, and Code.org. She has an extensive publication record in her field and has presented her work at conferences across the globe. 

A passionate advocate for equity in computer science education, Lucia has spearheaded the CS4All project to increase computer science literacy in Chicago Public Schools and diversify the next generation of computing professionals. Recognized as a leader in the subject, she consults with universities, companies and national organizations and has presented at international conferences, National Science Foundation meeting, and the White House Office of Technology Policy’s summit on Computer Science Education.

Lucia has also held visiting positions at Brown University, University of Maryland, and Southern Methodist University. She holds a Ph.D in Applied Mathematics from the University of Paris, France.

Lauren Moores

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Lauren Moores is a data geek and strategist who uses dirty, disparate data to optimize business practices with relevant metrics and insightful stories. She has over 25 years in data strategy, data science and data creation in various information and tech industries, including a PhD in Economics from Brown University.

Lauren is currently the VP, Data Innovation at Indigo Agriculture, the leader in Beneficial Agriculture, where they are dedicated to improving grower profitability, environmental sustainability, and consumer health through the use of a system approach to regenerative agriculture which includes natural microbiology, digital agronomy and premium marketplace access. Her focus at Indigo includes combining microbial, spatial and market data to create unique advanced analytics and data solutions for our internal and external customers.

Her previous roles also focused on the use of new sources of data to transform industry: financial, advertising and marketing technology products and services. Most recently, she ran data analytics and data strategy at Tala, a global financial tech startup that transforms mobile behavioral and transactional data to provide financial identities to the underserved in emerging economies. Prior to Tala, she served as VP, Strategy for Dstillery, a cross-device digital intelligence platform, and Chief Science Officer for EveryScreen Media, a mobile RTB and audience technology company acquired by Dstillery. Prior to EveryScreen, she managed the science, data assets and data engineering teams at WPP's Kantar Compete, building large, global, multi-sourced digital consumer research panels and consumer analytics.

Lauren is a speaker and writer on innovation through new data, technology and analytics, including prior lecturing at Brown, NYU and UCLA. She is currently chair of the  data advisory board for the USA for UNHCR, a non-profit which supports the UN Refugee Agency where we focus on using data to improve our ability to educate existing and future donors. She is also a Teaching Fellow for the Harvard Business Analytics Program online course Digital Strategy and Innovation.  She holds multiple patents in audience measurement and metadata creation and she also advises different entrepreneurs and start-ups regarding data and data technology through her own start-up, Moores Data. Current and previous advisor board positions include: Gambit VenturesChakra Advisors Unbound Concepts, Similar WebJumpShell, TapDog and more.

Francisco Rodriguez Fernandez

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Francisco Rodriguez Fernandez is a professor of economics at the University of Granada in Spain. He is a senior economist at Funcas and the Funcas Observatory of Financial Digitalization, the main research center on financial digitalization studies in Spain.

Francisco has been a visiting researcher at the Universities of Modena and Bologna, the European Central Bank, and the Federal Reserve Bank of Chicago. He has been a leading researcher in several national and international research projects for the European Commission, the Spanish Ministry of Science and a number of international bodies. 

In the payments and FinTech field, Francisco has been a consultant to firms such as MasterCard, Euro6000 (one of the main payment card providers in Spain), Prosegur (one of the leading international cash management companies) and several European banks. 

Francisco has been also a consultant for financial institutions and payment market participants. He has published over 30 articles in peer-reviewed journals He earned his Ph.D. in Economics from the University of Granada.

David Young

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David Young is the Managing Principal of Soteria Risk, LLC, a consulting and technology company focused on Enterprise Risk Management for large organizations. His company focuses on all areas of ERM program development and implementation, from initial risk assessment to design of the customized SAAS platform that allow clients to manage all areas of risk by both internal risk owners and risk mitigation partners in a secure cloud environment. Soteria Risk can service clients globally through offices in the US and EU.   

David is also a lecturer for the Business School at the University of Colorado, Denver teaching Practical Enterprise Risk Management. He is a member of the National RIMS Standards and Practices Council evaluating and making recommendations on the new COSO ERM framework. In addition, he does litigation consulting in the areas of insurance coverage and agent/broker standard of care. 

David’s primary fields of expertise include enterprise risk management and cyber liability. Current consulting assignments in Global Payments and Fintech areas include building one of the largest cyber insurance programs in the US as well as assisting in the formation of captive insurance companies to cover specific operational risks. He frequently speaks to numerous groups on these subjects.

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