Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a cofounder of Economy.com, which Moody’s purchased in 2005.

Dr. Zandi is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and is the lead director of Reinvestment Fund, one of the nation’s largest community development financial institutions, which makes investments in underserved communities.

He is a trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public. Dr. Zandi frequently testifies before Congress and conducts regular briefings on the economy for corporate boards, trade associations, and policymakers at all levels. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his BS from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania.

Christina Montgomery is IBM’s Chief Privacy Officer and an IBM Vice President. As Chief Privacy Officer, Christina oversees IBM’s privacy program, compliance and strategy on a global basis, and directs all aspects of IBM’s privacy policies, including the IBM AI Ethics Board.

Prior to her current role, Christina spent more than 4 years as Secretary to IBM’s Board of Directors, where she also oversaw the legal support for many of the company’s headquarters functions. From 2013-2018, Christina served as IBM’s Managing Attorney, overseeing the IBM law department’s strategic and transformational initiatives, hiring and recruiting, professional development, budget management, and other projects on a worldwide basis. From 2013-2015, Christina provided senior support to cross-IBM teams in the cybersecurity area, including on the legislative and regulatory fronts.

Christina joined IBM in 1994 as an attorney in IBM Sales and Distribution Marketing headquarters and served in a variety of other positions throughout the the Law Department, including: IBM’s Systems, where she handled a wide variety of technology related alliances, divestitures and licensing matters, supported mergers, acquisitions and joint ventures, and provided advice and counsel concerning open source software proposals and IP strategy; and IBM Global Technology Services, where she provided advice and counsel concerning IBM’s security services portfolio, and negotiated and supported strategic outsourcing agreements.

Ms. Montgomery received a B.A. from Binghamton University and a J.D. from Harvard Law School.