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Michael Sanderson, Executive Director, MACo Michael Sanderson is the Executive Director for the Maryland Association of Counties, and helps guide that organization’s member services and policy advocacy in Annapolis. MACo represents 24 jurisdictions on a wide range of policy issues, and provide education and training support for county elected official and professionals. He has represented county governments in Maryland on a wide range of fiscal and policy issues for over 20 years. Mr. Sanderson is well versed not only in local government issues and legislative advocacy, but also the state’s budget process and taxation system. He has worked on issues ranging from voting systems to tax sales, from liability reform to substance abuse treatment programs, and from land preservation to tax fairness. Mr. Sanderson previously worked as professional staff to the House of Delegates’ Ways and Means Committee, and received his degrees in Economics and Public Administration from Syracuse University. He sits on the Board of Directors of the Local Government Insurance Trust, and has taught at Anne Arundel County Community College’s Department of Business and Economics. Warren G. Deschenaux, Director, Office of Policy Analysis, Dept. of Legislative Services Warren Deschenaux has been with the Maryland General Assembly's staff for more than 25 years. He was appointed Director of the Office of Policy Analysis in September 1997. Previously he served as fiscal policy coordinator and managed legislative staff analysis of the executive operating budget. His prior experience includes heading the Department's management studies unit and various assignments as a budget analyst and program evaluator. He holds a master’s degree in political science earned through Rutgers University's Eagleton Institute of Politics, and a law degree from the University of Connecticut. Darius Irani, Ph. D., Chief Economist, ESRI, Exec. Dir. ARTS, Towson University Dr. Daraius Irani is the Chief Economist for the Regional Economics Studies Institute (RESI) as well as the Executive Director for Applied research and Technical Services (ARTS) of Towson University. Additionally, he also serves as the Associate Vice President of the Division of Innovation and Applied Research (DIAR) at Towson University. During his nearly 20 year tenure at RESI, Dr. Irani has managed and served as lead economist on a wide variety of research and analysis projects. The studies authored by Dr. Irani range from economic impact studies of Maryland industry, sporting and entertainment events and proposed real estate developments to studies that assess the economic impacts of proposed policy changes (i.e., tax structure revisions, the privatization of existing state functions, the expansion of public education services, etc.). Dr. Irani has performed this type of work for a host of public and private sector clients including: the Maryland Department of the Environment, St. John’s Property, BP, the Comptroller of Maryland, Sempra Energy, the Maryland Department of Labor, Licensing and Regulation, Angle Technologies, the Maryland Department of Commerce, the Michaels Company, the Maryland-National Capital Park and Planning Commission, and Manekin, LLC, among others. Dr. Irani also provides numerous economic presentations to organizations across Maryland. He has appeared on the Marc Steiner show, Midday Show with Dan Rodricks, Maryland Public Television’s Business Connection, CNBC and he is often quoted in articles published by the Maryland Daily Record, the Baltimore Business Journal, the Baltimore Sun, and the Washington Post. Prior to joining RESI in 1997, Dr. Irani served as the senior economist at the Santa Barbara Economic Forecasting project where he developed county level economic forecasts for Santa Barbara County, San Luis Obispo County and Ventura County. In addition, he co-authored several reports including an analysis of the economic contributions of Central California’s oil and gas industry and the tourism sector. Dr. Irani received his B.A. from the University of California, San Diego and obtained his Ph.D. and M.A. from the University of California at Santa Barbara. When not engaged in economic research and consulting, he enjoys golfing with his wife. Sam Maule serves as the Head of Digital at Carlisle & Gallagher Consulting Group. He joined the firm in June 2011 focusing on the Cards & Payments Community of Practice. In this role, Sam provides industry subject matter knowledge and experience to CG’s Financial Services clients in support of projects such as Consumer and Commercial Card portfolio management, emerging payments, Loyalty & Prepaid, and digital/mobile banking. Sam is a sought after presenter and an active voice in the FinTech Social Media space. He has been named as one of 'Bank Innovation's' Coolest Brands (Honorable Mention) 2015, recognized by LeadTail and BrightIdea study as one of the top ten Twitter accounts that Innovators follow (2015), recognized by Onalytica and Jay Palter as one of the Top 100 #fintech influencers (2015); named as one of the top 30 Innovators to Watch 2014 and 44 Executives Shaping the Future of Banking 2013 by Bank Innovation; recognized by NextBank Europe in their 2014 Who's Who in FinTech series, and is a proud member of @FinTechMafia Examples of Sam’s decks and talks can be found at: • https://speakerdeck.com/sammaule • Innotribe / Sibos (Singapore 2016) • CG Payment Predictions 2016 • TSYS Merchant Services 2014 • • Prior to CG, Sam held management positions with TSYS in a number of Consumer and Commercial Card roles to include digital card management, mobile, loyalty & prepaid and consultative services. These positions were focused both on domestic and international clients and included several years living abroad in the UK in support of the TSYS Europe Client base. Sam recently joined the Digital Finance Institute as the Chief Inspiration Officer (CIO) focusing on financial inclusion for the unbanked globally. Sam is also part of the Breaking Banks radio show / podcast team and is a recurring guest host focusing on #FinTechforgood & #FinancialInclusion. Sam is the creator and catalyst behind the ongoing FemTechLeader program . The series of interviews with women leaders in technology across the globe has included interviews with executives, engineers, and start-up founders from Google, Amazon, Twitter, Amex, DBS, Standard Charter, Lloyds, Stripe, and over 200 women leaders. The series has been featured in American Banker , and multiple other publications. Andrew Hartridge, Group Vice President, Chief Information Security Officer, M&T Bank Andrew Hartridge, Group Vice President serves as Chief Information Security Officer, forming and executing the overall strategy for information security at M&T Bank. Mr. Hartridge is an accomplished Information Technology Executive with in-depth knowledge of Telecommunications, Information Security, Privacy, Operating Platforms and Emerging technologies. He has broad experience in the public and private sectors within financial services, health-care, and manufacturing industries. Most recently his role at TISTA Science and Technology Corporation was as Vice President of Cybersecurity Programs. In this role, Mr. Hartridge lead the refinement of TISTAs cybersecurity strategic growth plan, and tactical implementation and execution of that plan enabling rapid growth within the Civilian, Defense, and Commercial sectors. Prior to this, Mr. Hartridge was the IT Technical Director (Senior Executive Service) at the US Internal Revenue Service where he was responsible for the insertion of new technologies with particular focus on open source technologies including the adoption of the Linux operating system in one of the world’s largest and most complex civilian information system environments. Other roles at this agency were the Director of Cybersecurity Architecture and Implementation, and Cybersecurity Operations where he was responsible for the confidentiality, integrity and availability of IRS electronic systems, applications and data. In these roles, he had executive oversight of all aspects of Cybersecurity for the agency which processes 2.3 Trillion dollars annually, and is one of the world’s top custodians of Personally Identifiable Information. Before joining the IRS in December 2007, Mr. Hartridge was a Senior Manager at Deloitte and Touche and had previously held technical and leadership positions at a large Midwestern Retail bank, a financial payment processor firm, and a Midwestern health-care manufacturing company. Andrew is a Certified Information Systems Security Professional (CISSP) and an Information Systems Security Architecture Professional (ISSAP). Raymond P. Bahr Ray grew up and currently resides in Baltimore, Maryland. He is the Chief of the Stormwater Program Review Division for Maryland Department of the Environment, where he has worked since 1992. Before that, Ray spent several years as an environmental educator for the Chesapeake Bay Foundation in Annapolis, Maryland. He holds a B.A. in Political Science from Gettysburg College and an M.S. in Environmental Science from Johns Hopkins University. JAG KHUMAN Jag Khuman is the Director of the Maryland Water Quality Financing Administration (MWQFA) since 2004. The MWQFA is responsible for the Water Quality Revolving Loan Fund, the Drinking Revolving Loan Fund, and the Maryland Bay Restoration Fund, which provide environmental infrastructure financing. Mr. Khuman holds a MBA, a M.S. in Engineering Management and a B.S. in Chemical Engineering.