Melissa Koide is the CEO of FinRegLab, a nonprofit financial innovation and research center that examines how technology and data can help achieve public policy aspirations, address regulatory requirements, and lead to a more efficient and inclusive financial marketplace. FinRegLab provides an independent platform for financial stakeholders and policymakers to dialogue and gain an evidence-based understanding of new financial technologies. FinRegLab’s research and experiments focus on matters such as how data and technology can be used to expand prudent access to credit for underserved consumers and small businesses and how new technologies can improve customer onboarding and meet KYC obligations. Prior to establishing FinRegLab, Melissa served as the U.S. Treasury Department's Deputy Assistant Secretary for Consumer Policy. In that role, Melissa helped to build the first government offered preretirement savings product, the myRA, and she established the $5 million Innovation Fund to support research and strategies to improve consumers’ financial health and their access to safe and affordable financial products and services.