Nathan Stovall is the director of the financial institutions research team for S&P Global Market Intelligence, which is responsible for data-driven news and research focused on banks, insurers and fintechs. Full Bio

Nathan Stovall is the director of the financial institutions research team for S&P Global Market Intelligence, which is responsible for data-driven news and research focused on banks, insurers and fintechs. Nathan has nearly 20 years of experience covering the financial institutions sector, with a focus on U.S. banks. He publishes in-depth analysis on the drivers of bank strategy and profitability and forecasts for the U.S. bank sector. He is the author of the banking blog, Street Talk, and host of the podcast by the same name.

During his tenure, he has regularly covered and participated on the conference circuit as a speaker and moderator of panels and webinars focused on major issues facing banks. He has been quoted in a number of trade publications and the national press, including The Wall Street Journal, The New York Times, The Financial Times, The Economist and has appeared on CNBC, Fox Business News and NPR's Planet Money. Nathan holds a Bachelor of Arts degrees from Washington & Lee University, where he majored in business journalism. Minimize

Todd Baker is a financial services executive and FinTech advisor who has held C-suite strategic business leadership roles Full Bio

Todd Baker is a financial services executive and FinTech advisor who has held C-suite strategic business leadership roles at several of the largest domestic and international banks as well as roles as a law firm partner, consultant, academic researcher, speaker and commentator on banking, FinTech, consumer financial health and regulation issues.

Mr. Baker is currently the Managing Principal at Broadmoor Consulting, LLC, which provides strategic consulting services to FinTech and financial services companies at all stages of development. He is also a Senior Fellow at the Richard Paul Richman Center for Business, Law and Public Policy at Columbia Business School and Columbia Law School, where he works on issues arising from the digital transformation of financial services and teaches an advanced seminar for law and business students at Columbia Law School entitled Fintech Innovation and the Transformation of Financial Services.  He is a board member and chair of the credit committee at Opportunity Fund, the nation's leading nonprofit small business lender, a member of the Academic Research Council at the Urban Institute and a senior advisor to several financial technology firms. Mr. Baker has written for publications including the Financial Times, The Wall Street Journal and the American Banker, speaks frequently at industry conferences and is widely quoted in the financial and technology press as an industry expert.

Mr. Baker had a 14-year career as the chief corporate strategy and development officer at three large domestic and international retail, commercial and corporate banking organizations: MUFG Americas Holdings/Union Bank NA, TD Bank, N.A., and Washington Mutual, Inc. In those executive roles he managed, at various times, strategic and financial planning, acquisitions & divestitures, investor relations, performance management, venture capital investing and competitive intelligence and successfully led many large acquisitions and divestitures on behalf of his employers.

Prior to his business roles, Mr. Baker was a San Francisco-based corporate partner with the international law firms Gibson, Dunn & Crutcher LLP and Morrison & Foerster LLP, where he represented management and boards in all manner of corporate and securities matters and led scores of large-scale M&A transactions and financings involving banks, technology companies, finance companies, mortgage lenders, credit card companies, savings banks, commercial lenders, and investment firms.  His clients included, among others, BancAmerica Corp., Transamerica Corp., Intel, Montgomery Securities, Hewlett-Packard, First Nationwide Financial, Washington Mutual Inc., Global Center, Nomura Securities, Lehman Brothers, Visa International, CIBC and Security Pacific Corp.

During 2016-2018, Mr. Baker was a Senior Fellow at the Mossavar-Rahmani Center for Business & Government at the Harvard Kennedy School.  His research interests and published papers at Harvard included work on the role of FinTech and employers in providing alternatives to payday loans and other types of short-term, small-dollar credit for low-income working Americans in the digital age.

Mr. Baker is a graduate of Dartmouth College (A.B. summa cum laude 1978) and Stanford Law School (J.D. 1981), where he was a member of the Stanford Law Review.  Minimize

Greg Smith is a Managing Director at FT Partners where he leads the Firm’s research efforts. Full Bio

Greg Smith is a Managing Director at FT Partners where he leads the Firm’s research efforts. Greg has over two decades of experience covering the Financial Technology (FinTech) industry as both an analyst and banker. Prior to joining FT Partners, Greg spent the majority of his career as an award-winning equity research analyst at Hambrecht & Quist, J.P. Morgan, Merrill Lynch, and other firms covering companies across the FinTech landscape. Throughout his career, Greg has played a senior role in numerous investment banking transactions spanning private company financings, M&A and IPOs. Greg has long been a thought leader in FinTech publishing hundreds of reports and regularly presenting at industry conferences. Minimize

With more than 15 years of experience in both the public and private sectors, Hon. Phil Goldfeder leads the Public Affairs department at Cross River. Full Bio

With more than 15 years of experience in both the public and private sectors, Hon. Phil Goldfeder leads the Public Affairs department at Cross River. In this role, Phil spearheads all aspects of the bank’s external affairs, government relations, marketing, community affairs and investor relations.

Phil began his career working for the New York City Council and then as a Director for the Mayor’s Community Affairs Unit under Michael Bloomberg, before joining the office of New York Senator Charles E. Schumer as his Director of Intergovernmental Affairs.

In September of 2011, Phil was elected to represent the 23rd District in the New York State Assembly. After most of his district was devastated during Superstorm Sandy, Phil worked tirelessly with the banking and insurance industry to reform policies and author new laws to address issues in the wake of the storms devastation. In September of 2017, following his service in the Assembly, Phil joined Cross River to lead the growing Public Affairs department. Phil is an active industry leader as he engages policy makers and regulators, provides thought-leadership and is frequently invited to speak on panels, roundtables and conferences globally on banking, technology and the new financial services landscape.

Phil’s career in public service, ability to enact positive change and develop deep relationships with diverse leaders across the state and country renders him an invaluable asset to Cross River and the entire fintech industry. In conjunction with Boston University and others, in 2016, Phil led a successful effort to host the first annual Marketplace Lending Summit in Washington, D.C. and is a founder of the Online Lending Policy Institute (OLPI) which facilitates an open and constructive dialogue between online lending industry participants, consumer groups and federal and state policy makers. Minimize