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.

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.

Lauren Moores is a serial startup data innovator, advisor and strategist. She has spent over 25 years creating data solutions for commercial and non-profit businesses by creating intelligence from dirty, disparate data integrated with multi-media and scaled technology.

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. 

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.   

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