Melissa Koide

Melissa Koide is the CEO of FinRegLab, a nonprofit research center that tests new technologies and data and facilitates dialogue to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. FinRegLab evaluates how technology and data can be safely used to increase financial inclusion and improve financial services for consumers, small businesses, and communities. FinRegLab’s AI and machine learning research has informed and advanced public policies and market practices on the inclusive and fair use of machine learning algorithms in high-risk, high-reward use cases such as credit underwriting. Prior to establishing FinRegLab, Melissa served almost five years as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy. In that role, Melissa led the work to create the agency’s consumer policy positions and research on how banks and nonbanks were leveraging data and technology to improve consumers’ financial access and well-being. Melissa also helped to establish the myRA, a government offered preretirement savings account. She has testified repeatedly before the Senate Banking and House Financial Services Committees and spoken widely to policy, industry, and consumer-advocacy audiences. Melissa currently serves on the New York Fed’s Innovation Council, FINRA’s Fintech Industry Committee, and the New York State Department of Financial Services’ Financial Innovation Advisory Board.