Keynote, Plenary and Special Presentation Speakers

2014 Annual Conference Speaker Biographies

Keynote Speaker

Michael S. Barr

Michael S. Barr has been a Professor of the University of Michigan since 2001, where he teaches various classes which include Financial Institutions, Financial Derivatives, International Finance, Jurisdiction and Choice of Law, and Transnational Law; he also co-founded the International Transactions Clinic. Mr. Barr has his Juris Doctor from Yale Law School, his Master of Philosophy in International Relations from Magdalen College, Oxford University, and his Bachelors of Arts, which was also from Yale. From 2009-2010, he served as the U.S Department of the Treasury’s Assistant Secretary for Financial Institutions where he was  a main architect for the Dodd-Frank Wall Street Reform and Consumer Protection Act. Mr. Barr has written extensively on the subjects of financial services and financial regulation. Some of the books that he has written include titles such as No Slack: The Financial Lives of Low-Income AmericansInsufficient Funds, and Building Inclusive Financial Systems. Mr. Barr is also Senior Fellow at the Center for American Progress Institution.


Plenary and Special Presentation Speakers

Patrick K. Adams

Patrick K. Adams serves as CEO of St. Louis Community Credit Union. As a full-service Community Development Financial Institution (CDFI), the organization is dedicated to increasing the standard of living and bettering the lifestyles of countless consumers.  St. Louis Community Credit Union offers branches in financially underserved locations, second-chance products and free financial education as part of its overall giveback to the community.

Mr. Adams has devoted more than 35 years of his career to the financial services industry. Before joining St. Louis Community Credit Union in 1987, he held various leadership positions with other large St. Louis area credit unions. He was appointed President & CEO of St. Louis Community in January 2008. Prior to that, Mr. Adams was Executive Vice President of the institution. In his current role as CEO, he oversees and provides strategic direction for all aspects of the Credit Union, as well as its 501(c)(3) entity - the St. Louis Community CU Foundation. Under Mr. Adams’ leadership, St. Louis Community has grown to more than $230 million in assets and serves 51,000+ members.

As one of the nation’s most dynamic and versatile credit union advocates, Mr. Adams is often called upon to deliver motivational speeches to credit union audiences throughout the United States.  His high energy, enthusiasm and entertaining sessions challenge individuals to rethink old strategies and begin concentrating on the future. He has carried his pro-credit union message to countless audiences throughout the country. Mr. Adams also authors a weekly informational and empowerment blog (The P.A.), and has written numerous articles for trade and consumer publications.

As an active member of the community, Mr. Adams sits on a number of local advisory committees and is involved with several community based initiatives focusing on education and social justice within the financial services arena. He is a graduate of the Focus St. Louis Leadership Class (2010-11). In 2010, Mr. Adams received an award for participation and support from the Missouri Lighthouse for the Blind’s Summer Transition Employment Program (STEP). He also serves on the board of directors for Credit Union Lending Systems (CULS).

Ann Baddour

Ann Baddour, Senior Policy Analyst, is the state director of Texas Appleseed projects aimed at bringing low-income and immigrant consumers into the financial mainstream. She is actively involved in reform of regulations governing payday and auto title lending in Texas to build greater consumer protection into these transactions.  Her work in the areas of immigrant financial education and improving consumer disclosure and protection in remittance transactions has been presented at economic conferences in Benin, Africa; Mexico; and the European Union. Ann also oversees Texas Appleseed's project on protecting the rights of immigrants with mental disabilities in the immigration court and detention system. Ann is a Fulbright Scholar with a Master of Public Affairs Degree from the LBJ School of Public Affairs and a Masters Degree in Middle Eastern Studies from The University of Texas at Austin.

David Carroll

David Carroll is Quicken Loans’ “Vice President of Miscellaneous Stuff.”  He joined Quicken Loans in 1991 and over the years has been responsible for a variety of areas, including mortgage operations, technology, Legal and Human Resources. Currently, he is involved with all of Quicken Loans Detroit initiatives, including real estate acquisition and use, space planning, incentive programs, community affairs and government relations.

Prior to joining Quicken Loans, David worked as an attorney in the real estate department of Chapman and Cutler, a Chicago law firm.  He currently serves as a board member of New Detroit, JARC, Junior Achievement of Southeastern Michigan, Bizdom, the Detroit Economic Growth Corporation and the Detroit Employment Solutions Corporation.

David received a bachelor’s degree in business administration from the University of Michigan and a law degree from the University of Michigan Law School.

Deyanira Del Rio

Deyanira Del Rio is co-director of New Economy Project, an economic justice organization based in New York City.  Dey has worked with grassroots groups around the country to promote financial inclusion and economic opportunity in low income and immigrant communities.  She has led corporate and regulatory accountability campaigns, organized coalitions, published research and reports, and co-authored know-your-rights curricula on fair lending and financial justice issues.  Recently she launched a loan fund to support immigrant families applying for Deferred Action for Childhood Arrivals.

A longtime advocate for cooperative finance, Dey serves as board chair of the Lower East Side People's Federal Credit Union, and in 2013 was elected board chair of the Inclusiv. She also serves on the board of directors of New Immigrant Community Empowerment, a worker center in Jackson Heights, Queens.

Mary Dunn

Mary Mitchell Dunn is senior vice president and deputy general counsel of the Credit Union National Association (CUNA).   Located in CUNA's Washington, DC office, Mary leads the association’s Regulatory Advocacy team and efforts, working closely with a number of other CUNA key staff. CUNA is the largest credit union advocacy organization, representing the interests of state and federal credit unions which serve over 99 million consumers and small businesses across the country.

While Mary’s responsibilities are wide-ranging, she and her team focus on representing credit unions’ interests before all federal agencies that affect credit unions including the National Credit Union Administration, the Consumer Financial Protection Bureau, the U.S. Department of the Treasury, the Federal Reserve Board, the Small Business Administration and other federal agencies as well as the White House. She and her team work closely with other key CUNA staff and provide a variety of informative publications and communications, such as the weekly CUNA Regulatory Advocacy Report, to ensure members are fully current on significant regulatory issues. Under Mary’s direction, CUNA’s Regulatory Advocacy team prepares CUNA’s comment letters to federal agencies on all pending proposals CUNA identifies as important for credit unions.

Prior to becoming Deputy General Counsel in 2008, Mary was CUNA Associate General Counsel, Regulatory Advocacy. She joined CUNA in 1987, serving on the staff of the National Association of Federal Credit Unions before moving to CUNA.  She was on the staff of the U.S. League of Savings Institutions prior to working for NAFCU.

Mary has a bachelor's degree in Political Science and English from the University of Arkansas, a master's degree in Legislative Affairs from George Washington University, and her law degree from George Mason University School of Law.

Don Graves

Don Graves advises President Obama on strengthening the nation's economy and the competitiveness of the United States, and on ways to create jobs, opportunity, and prosperity for the American people.  He was appointed by the President as Executive Director of the President’s Council on Jobs and Competitiveness at the White House.  Mr. Graves has also been appointed by the President to lead the Administration's efforts in the city of Detroit, coordinating and facilitating the federal government's investment in Detroit and working with City, State, Business, Non-profit and community stakeholders.

Mr. Graves also currently serves as Counselor to Treasury Secretary Jack Lew and previously served as Deputy Assistant Secretary for Small Business, Community Development and Housing Policy at the U.S. Department of the Treasury.  In this role, Mr. Graves managed a portfolio of policy issues including business and small business finance and development, housing finance, community and economic development, capital access, job creation and issues related to underserved communities.  In addition, Mr. Graves oversaw the Small Business Lending Fund, the State Small Business Credit Initiative and the Community Development Financial Institutions (CDFI) Fund.  Previously, he served as a partner with Graves, Horton, Askew & Johns, LLC.  He is the former Director of Public Policy for the Business Roundtable.

Mr. Graves holds degrees of Bachelor of Arts in Political Science and History from Williams College and Juris Doctor from the Georgetown University Law Center where he received the Dean’s Award.  He served as volunteer Chief Executive Officer of Progress Through Business, a national nonprofit focused on economic development, supporting lower-income employees and sustainability.  He also served on the Board of Trustees of the Community Reinvestment Fund and Board of Directors of the Center on Business and Poverty, the Advisory Boards of Wall Street Without Walls, and the Greater Washington Board of Trade’s Small Business Network.

Rita L. Haynes

For 50 years Rita L. Haynes has served Faith Community United Credit Union in Cleveland, OH as its director, manager, treasurer and CEO. Miss Haynes was recruited as Secretary to the Board of Directors of the credit union in 1958.  The credit union was facing tough times with the Division of Regulations; Ms. Haynes recruited her husband and friends and together they turned the credit union around.  Under Ms. Haynes' leadership the credit union moved to its current location and grew to over $2,000,000 in assets with the help of Working for Empowerment Through Community Organizing (WECO).  Key Bank, formerly Society National Bank, donated the building and a joint grant from Eli Lilly Foundation provided compensation for staff. Ms. Haynes led Faith Community United to become an SBA approved business lender and a partner with Fannie Mae and HUD.

Active in the Cleveland credit union community, Ms. Haynes  served as Chairman of Inner City Association of Minority Credit Unions from 1982-1992.  She was a member of the Board of Directors of the Cleveland Chapter of Credit Unions of the Ohio Credit Union League for fifteen years and named Volunteer of the Year in 1995. She is also a founding member of the Ohio Credit Union Foundation in Columbus, OH. Ms. Haynes received the Tom Joyner "Hardest Working Women Award" in 2007.

Ms. Haynes was elected to the Board of the Inclusiv in 1992, serving as its Faith-Based Credit Union Committee Chairperson until 2001 when she was elected Chairperson of the Board of Directors.  She served in this capacity until 2006 and remained on the Board until 2008 when term limits were implemented.

Ms. Haynes was instrumental in helping establish the Americorp VISTA program at Faith Community United in 1992, a federal service program aimed at alleviating poverty and strengthening low-income communities, as well as the IDA (Individual Development Account) program focusing on financial education and saving.

Faith Community United was awarded a $350,000 CDFI equity grant to build capacity in the first round of CDFI funding in 1996.  Inclusiv, with Ms. Haynes as Board Chair, led in the effort to create the CDFI Fund, which was established under President Bill Clinton in 1994.

M. Haynes' dedication and involvement in the credit union movement includes speaking in Washington, DC at the Black Caucus Forum, at the invitation of the late US Congresswoman Stephanie Tubbs Jones. She also testified in 2007 before the US House Domestic Policy Subcommittee-Oversight and Government Reform Committee hearing on Foreclosure, Predatory Mortgage and Payday Lending in American Cities. Chairman Representative Dennis J. Kucinich invited Ms. Haynes to share how Faith's Grace Loan Program could be an alternative to Payday Lenders.

Ms. Haynes' many accolades include the 2005 Pete Crear Lifetime Achievement Award of the African American Credit Union Coalition (AACUC) in Nassau, Bahamas. Ms. Haynes was also honored by CUNA Foundation with the Herb Wegner Lifetime Achievement Award in Washington, DC in 2008. Ms. Haynes was appointed to serve on the Credit Union Council for the State of Ohio by Governor Ted Strickland from 2008 until 2010.  Rita retired as CEO of Faith Community United Credit Union in 2011. Since then, Ms. Haynes has been inducted into the Bill Herring Group, a foundation to support credit union education and expansion. The small credit union program of the Ohio Credit Union League was designated "The Haynes Circle" recently in recognition of her work with and for small credit unions.

Alex Horowitz

Alex Horowitz is the research officer for the Safe Small-Dollar Loans Research Project, which is an initiative that studies the experiences, needs, and motivations of the borrowers of payday loan, auto-title loan, and other various small-credit products. He manages and oversees a series of experiments, surveys, and analyses which are designed in order to identify and illuminate the dangers and benefits of small-credit products and also to examine the impacts of potential regulations and market practices. Mr. Horowitz has a Bachelor’s Degree in Sociology from Harvard University. He has worked at Hart Research, a polling firm, where he conducted strategic opinion research for clients in nonprofit, public, private sectors. Alex Horowitz has also worked in media relations, baseball information, and communications for the Cincinnati Reds and the Florida Marlins.

Jonathan Morduch

Jonathan Morduch is a Public Policy and Economics Professor at NYU Wagner Graduate School, as well as Executive Director of the Financial Access Initiative. One of his latest projects is the Financial Diaries, which is his journey throughout the US, listening to the families and speaking to them about their financial situation and figuring out how to improve their current situation. Mr. Morduch is also a co-author of two economics books, Portfolios of the Poor: How the World’s Poor Live on $2 a Day and The Economics of Microfinance, and has taught Economics at Harvard University. He has also held visiting positions at Princeton, Stanford, and the University of Tokyo. Mr. Morduch has worked for prestigious institutions such as the United Nations and the World Bank, as well as advising global NGOs. He graduated from Brown with a Bachelors of Arts and from Harvard with a Ph.D., both in Economics. In December 2008, Mr. Morduch was awarded an honorary doctorate from the Université Libre de Bruxelles for in order to recognize his work on microfinance. Currently, he is creating a theoretical agenda with Jonathan Conning, an economics Professor at Hunter College, in order to understand how governments and philanthropists can utilize market forces in order to create social change.

Kirsten S. Moy

Kirsten S. Moy is the Director of Scale Initiatives, Economic Opportunities Program (EOP), at the Aspen Institute. In this capacity, she is the project manager for two Aspen initiatives focused on achieving scale in the nonprofit industry: the Asset Platform and the EITC Platform. She came to the Institute in 2001 after serving as director for the Community Development Innovation and Infrastructure Initiative, a national research project on the future of community development and community development finance. Ms. Moy also served as the first director of the Community Development Financial Institutions (CDFI) Fund in the U.S. Department of the Treasury. Prior to joining Treasury, she designed products for pension funds and other institutional investors to invest in affordable housing and community development initiatives. She is the co-author of New Pathways to Scale for Community Development Finance and Changing Capital Markets and Their Implications for Community Development Finance.

Dennis Nolan

Dennis Nolan the Deputy Director for the Community Development Financial Institutions Fund (CDFI Fund).  In this capacity, he is responsible for developing policies, operating procedures, internal controls, and short-and long-range strategic plans, as well as providing direction for the CDFI Fund’s award programs.

Mr. Nolan has over 25 years of experience in federal financial management.  Prior to joining the CDFI Fund, he was the Deputy Chief Financial Officer in the Department of Administration and Finance at the Millennium Challenge Corporation (MCC). Mr. Nolan also served as Deputy Vice President in the Department of Administration and Finance at MCC.

Prior to the MCC, he was the Deputy Director in the Office of Financial Management at the Environmental Protection Agency (EPA) where he was responsible for financial management including policy development, systems, reporting, and cost management.  He also served as Director of Resolution Analysis, Special Assistant to the Chief Financial Officer, and Special Assistant to the Director of the Division of Finance for over 10 years at the Federal Deposit Insurance Corporation (FDIC) where he was instrumental in the development of FDIC’s loan securitization program, financial analysis of failed financial institutions, and financial systems implementation. Mr. Nolan also served at the Resolution Trust Corporation (1990-2002), and the Federal Savings and Loan Insurance Corporation (1986-1989).

Prior to joining the federal government, Mr. Nolan spent two years in public accounting and was the Chief Financial Officer of a 13 branch bank in Florida.

Mr. Nolan holds a Bachelor’s of Science Degree in Accounting from the University of South Florida.

Luis Pastor

Luis Pastor has been the CEO of Latino Community Credit Union (LCCU) since 2001. During his tenure as CEO, LCCU has become a national model for institutions that are seeking to provide services to unbanked and low-income immigrant communities and to provide financial education. The Latino Community Credit Union has received many awards, including the first Wachovia NEXT Award to drive high potential community development financial institutions to a next level of success, growth, and staying power. Luis Pastor has a Bachelor’s Degree in Economics and Business Administration at the Universidad Complutense, Madrid, Spain, a Master’s in Human Resources from Centros de Estudios Fiancieros, Madrid, Spain; and a Masters of Business Administration from Instituto de Empresa, Madrid, Spain.

Lisa J. Servon  

Lisa J. Servon is Professor and former dean at Milano School of International Affairs, Management, and Urban Policy. Professor Servon holds a B.A in Political Science from Bryn Mawr College, an M.A in History of Art from the University of Pennsylvania, and a PhD in Urban Planning from the University of California, Berkeley. She teaches and conducts research in the areas of urban poverty, community development, economic development, and issues of gender and race. Specific areas of expertise include the financial lives of low-income communities, microenterprise development, and capacity-building for community-based organizations. Current research focuses on the alternative financial services industry. Her work has been funded by the Open Society Institute, the Aspen Institute, the Ford Foundation, the Fannie Mae Foundation and others. She spent 2004-2005 as Senior Research Fellow at the New America Foundation in Washington, DC. Servon is the author or editor of numerous journal articles and four books: Bridging the Digital Divide: Technology, Community, and Public Policy (Blackwell 2002), and Bootstrap Capital: Microenterprises and the American Poor (Brookings 1999), Gender and Planning: A Reader (With Susan Fainstein, Rutgers University Press 2005), and Otra Vida es Posible: Practicas Economicas Alternativas Durante la Crisis (With Manuel Castells, Joana Conill, Amalia Cardenas and Sviatlana Hlebik. UOC Press 2012).




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