Michael Benardo is the chief of the Cyber Fraud and Financial Crimes Section in the FDIC's Division of Risk Management Supervision. He oversees all aspects of fraud-related initiatives, including establishment of regulatory policies and procedures. He is instrumental in developing and implementing fraud-related supervisory programs including examination techniques, and represents the FDIC on interagency working groups with a goal of developing consistent interagency programs for combating financial institution fraud. Benardo has 24 years of progressive experience with the FDIC, including serving as a manager in the Technology Supervision Branch. He also served as a key member of the FDIC's Year 2000 project team from 1997 through the century date change. Prior to his employment with the FDIC, Benardo spent six years working in the commercial banking industry. He worked in a variety of areas, including several assignments in bank operations. Benardo is a graduate of the University of South Florida with a BS degree in finance.
Kathleen Oldenborg is director for payments risk policy at the Office of the Comptroller of the Currency (OCC). In January 2013, Oldenborg moved into the OCC's Chief National Bank Examiner Office in Washington, DC, to establish and lead Payments Risk Policy, a new department within the Operational Risk Division. From 2007 to 2012, Oldenborg was an OCC examiner in large banks, supervising global transaction and payments businesses. This is Oldenborg's second tour of duty with the OCC, having joined the agency in 1989 as an industry hire. She earned her commission as a national bank examiner in 1990. From 1989 to 1997, she served as an OCC examiner in the Northeast district performing both safety and soundness and fiduciary examinations. Oldenborg's industry experiences include First Union (now Wells Fargo) as a fiduciary compliance manager, Atlantic Trust Company in New York as chief compliance officer, and other fiduciary and compliance roles in other institutions. She has been a frequent presenter at conferences hosted by the American Bankers Association, the Bank Administration Institute, and the Fiduciary and Investment Risk Management Association, and has led numerous OCC training initiatives.
Richard Oliver, payments system consultant, retired in 2011 as executive vice president of the Federal Reserve Bank of Atlanta, where he spent 38 years overseeing technology and payments system services, including check, ACH, and wire transfer. From 1998 to 2010, he was the Federal Reserve System's retail payments product manager with profit-and-loss responsibilities for the Fed's $750 million check and ACH businesses. During 2010–11, Oliver served as head of the Retail Payments Risk Forum, where he co-led a mobile payments industry effort to explore the evolution of mobile payments in the United States. He is currently providing strategic planning and payments consulting and speaking services to industry organizations. Oliver received an undergraduate degree in mathematics from the University of Nevada, a master's degree in information and computer science from the Georgia Institute of Technology, and a master of business administration degree from Georgia State University. He also attended executive development programs at the University of Tennessee and Harvard University. In 2010, he received the prestigious George Mitchell Payments System Excellence Award from the NACHA.
Deborah Shaw is a retail payments risk expert with the Retail Payments Risk Forum of the Federal Reserve Bank of Atlanta and has more than 25 years of experience in the payments industry. As part of the team at the Retail Payments Risk Forum, Shaw collaborates with payments stakeholders, including financial institutions, regulators, and law enforcement in researching payment systems and products. She focuses on identifying risks and mitigating strategies for retail payments. Before joining the Federal Reserve Bank of Atlanta, Shaw was the managing director of risk management and enforcement for NACHA. In this role, she managed risk investigations and risk strategy for the ACH network and the National System of Fines. Prior to her role in risk, Shaw managed NACHA's Rule-Making Process and Accredited ACH Professional program for more than 13 years. She received a bachelor's degree in political science from Tufts University and a master of business administration degree from Georgetown University. Shaw is an Accredited ACH Professional and a Certified Treasury Professional.
Jessica Rios, Accredited ACH Professional (AAP), is senior vice president of association services at the Georgia Automated Clearing House Association (GACHA), the Atlanta-based regional payments association. After completing her bachelor's degree at Florida State University, Rios began her career in service management for association and member-based markets. In 2007, only seven months after joining GACHA, Rios obtained the AAP certification. Currently, she is responsible for managing GACHA's operations, product development, and member services. In addition, Rios assists in strategic planning and consulting appointments. She presents on a range of payments and treasury topics across the country and has authored several publications and articles on industry-related topics. She has presented for the FFIEC, FDIC, Federal Reserve Bank of Atlanta, Payments Institute, American Payroll Association, and NACHA's annual payments conference, to name a few. Rios chairs the regional payments association's Education and Operations Committee, and actively participates on the Marketing and Communications Committee, Communications Advisory Group, and the AAP Blue Ribbon Panel.
Jonathan Rusch is deputy chief for strategy and policy in the fraud section of the Criminal Division at the United States Department of Justice in Washington, DC. Among other duties, he chairs the national Bank Fraud Working Group, Securities and Commodities Fraud Working Group, and Identity Theft Enforcement Interagency Working Group. He also co-chairs the International Mass-Marketing Fraud Working Group and the International Identity Crime Working Group. He is a member of the United Nations Office on Drugs and Crime's Core Group of Experts on Economic Fraud and Identity-Related Crime. Since 2005, he also has served as executive director of the Department of Justice's Disaster Fraud Task Force, which pursues all types of disaster-related fraud and economic crimes. Rusch received a bachelor's degree with honors from Princeton University, a master's degree (government) from the University of Virginia, and a juris doctor from the University of Virginia Law School, where he was a member of the editorial board of the Virginia Law Review. He has been the lead prosecutor in major fraud and public corruption prosecutions by the Department of Justice, including successful prosecutions of two former members of Congress, a former U.S. House of Representatives Sergeant at Arms, and a former United States Treasurer, as well as ringleaders of mass-marketing fraud schemes. Rusch has received numerous awards for his work in law enforcement, including the Attorney General's Award for Fraud Prevention, the Chief Postal Inspector's Award, and the Attorney General's Distinguished Service Award. He also is an adjunct professor of law at Georgetown University Law Center, where he teaches courses on global cybercrime law and trial practice, and is a lecturer in law at the University of Virginia's law school, where he teaches cybercrime.
Steven Stone is executive vice president of operations at United Bank in Charleston, West Virginia, where he oversees a wide range of back-office operations and is a key contributor to the bank's risk management activities. Prior to joining United in July 2013, Stone held management positions at PNC Bank, National Processing Company, and Mellon Bank across a 33-year career focused primarily on Treasury management operations and risk management. He holds a permanent Accredited ACH Professional certification and is a former member of the NACHA executive committee and board of directors. He has chaired or served on several national work groups and committees focused on health care payments, including efforts organized by both NACHA and the Council for Affordable Quality Healthcare, and he was a member of Federal Reserve Retail and Wholesale Payments advisory committees for more than five years. In recognition of his contributions to electronic payments, he was awarded the George S. Mitchell Payments Systems Excellence Award, NACHA's highest honor, in 2012. Stone earned his bachelor of science degree in economics from West Virginia University in 1980.