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Matthew J. Hill, President of Matthew J Hill Consulting, is a management consultant, author, keynote speaker, and executive coach. He has 20 years of experience facilitating organizational change and cultural transformation initiatives for corporate, government, and nonprofit clients.  As a consultant, he employs discovery-driven research methods to help senior leaders understand the systemic barriers to organizational change, while aligning key stakeholders around shared solutions. He also helps leaders close the gap between their desired and existing culture through action learning projects, campaigns, and idealized design workshops. He has published widely on business and organizational issues in leading journal and business forums including a recent article entitled Pathways to Digital Transformation and an article on Organizing Cultural Change using the four forces framework in the Journal of Business Anthropology.  

Chris Pippett is a partner in the firm of Fox Rothschild LLP in its Exton, PA and Atlantic City, NJ offices. He is Chair of the Financial Services Industry Practice Group and a past member of the firm’s Executive Committee.  He advises federal and state chartered credit unions on a broad range of regulatory, corporate governance, business and real estate issues.  He has regularly been called upon to represent boards and management in contested board elections, controversial meetings, criminal investigations and litigation brought by employees and members.  

Additionally, Chris has advised credit union management and boards on issues relating to board duties, structure and policies, as well as the proper handling of various inquiries from NCUA, state regulators and other government agencies.  He also advises credit unions on mergers, acquisitions and conversions; including the groundwork, procedures, and due diligence which are a necessity for successfully completing such transactions. Chris also advises state and federal credit unions on the structuring, documentation and enforcement of construction and business loan facilities and participations.

Chris speaks regularly on the topics of corporate governance, internal fraud and member business lending at conferences sponsored by various national and state credit union associations and leagues, and has been called upon to serve as an expert witness in corporate governance matters.
 

Cherie Freed is the Regional Director of the NCUA’s Western Region, located in Tempe, Arizona. As Regional Director, she oversees the examination and supervision of federally insured credit unions in Alaska, Arizona, California, Colorado, Guam, Hawaii, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming.

Prior to being selected as Regional Director in 2016, Ms. Freed served as the Associate Regional Director for the region. She also previously served as the Director of Supervision and as the Loss-risk Analysis Officer in the NCUA’s Office of Examination and Insurance. Ms. Freed began her career in 1987 as an examiner in Phoenix. In 1991, she became a Problem Case Officer and later a corporate examiner.

Before joining the NCUA, Ms. Freed served as the Controller for a manufacturing company in Phoenix. Throughout her NCUA career, Ms. Freed received numerous awards and recognition, including the Specialized Examiner of the Year in 2009 and Supervisor of the Year in 2010.

Ms. Freed holds a Bachelor of Science in accounting from Northwest Missouri State University.

Joshua Gans is a Professor of Strategic Management and holder of the Jeffrey S. Skoll Chair of Technical Innovation and Entrepreneurship at the Rotman School of Management, the University of Toronto (with a cross-appointment in the Department of Economics). Joshua is also Chief Economist of the University of Toronto's Creative Destruction Lab. Prior to 2011, he was the foundation Professor of Management (Information Economics) at the Melbourne Business School, University of Melbourne and before that, he was at the School of Economics, University of New South Wales. In 2011, Joshua was a visiting researcher at Microsoft Research (New England). Joshua holds a PhD from Stanford University and an honors degree in economics from the University of Queensland. In 2012, Joshua was appointed as a Research Associate of the NBER in the Productivity, Innovation and Entrepreneurship Program. Joshua is a Fellow of the Academy of the Social Sciences in Australia, a Distinguished Fellow of the Luohan Academy, a Senior Academic Fellow at the e61 Institute, a Research Fellow at FinTech@Cornell Initiative and a research affiliate at MIT’s Center for Digital Business.

At Rotman, he teaches MBA students entrepreneurial strategy. He has also co-authored (with Stephen King and Robin Stonecash) the Australasian edition of Greg Mankiw's Principles of Economics (published by Cengage), Core Economics for Managers (Cengage), Finishing the Job (MUP), Parentonomics (New South/MIT Press) and Information Wants to be Shared (Harvard Business Review Press) and The Disruption Dilemma (MIT Press, 2016); Scholarly Publishing and its Discontents (2017), Prediction Machines: The Simple Economics of Artificial Intelligence (HBR Press, 2018) and Innovation + Equality (MIT Press, 2019). His most recent books were The Pandemic Information Gap: The Brutal Economics of Covid-19 (MIT Press, 2020) and The Pandemic Information Solution: Overcoming the Brutal Economics of Covid-19 (Endeavor, 2021). In late 2022, he will publish Power & Prediction: The Disruptive Economics of Artificial Intelligence (HBR Press) and, in 2023, Entrepreneurship: A Strategic Approach (Norton).

While Joshua's research interests are varied, he has developed specialities in the nature of technological competition and innovation, economic growth, publishing economics, industrial organisation and regulatory economics. This has culminated in publications in the American Economic Review, Journal of Political Economy, RAND Journal of Economics, Journal of Economic Perspectives, Journal of Public Economics, and the Journal of Regulatory Economics. Joshua serves as the Department Editor (Business Strategy) of Management Science and an associate editor at the Journal of Industrial Economics and is on the editorial boards of the BE Journals of Economic Analysis and Policy, Economic Analysis and Policy, Games and the Review of Network Economics. In 2007, Joshua was awarded the Economic Society of Australia’s Young Economist Award. In 2008, Joshua was elected as a Fellow of the Academy of Social Sciences, Australia. Details of his research activities can be found here. In 2011, Joshua (along with Fiona Murray of MIT) received a grant for almost $1 million from the Sloan Foundation to explore the Economics of Knowledge Contribution and Distribution. In 2017, Joshua won the Roger Martin Award for Research Excellence at the Rotman School of Management. In 2019, Joshua was awarded the PURC Distinguished Service Award from the Public Utility Research Center at the University of Florida for his contributions to regulatory economics.

On the consulting side, Joshua is managing director of Core Economic Research and a Senior Consultant with Charles River Associates. In the past, Joshua has worked with several established consulting firms, including London Economics, Frontier Economic, Keystone Strategy and the Brattle Group. He has also been retained by the Australian Competition and Consumer Commission and the Federal Trade Commission, where he worked on expert testimony in several abuse of market power cases as well as on issues in telecommunications network competition. Overall his consulting experience covers intellectual property protection, energy (gas and electricity markets), telecommunications, financial services and banking, pharmaceuticals and rail transport.