It is a great pleasure to be addressing this august group.
As some of you know, I began my career at the Federal
Reserve back in 1982. So speaking to you is like a
homecoming for me. I have been fortunate in my career
to participate in the U.S. banking economy from three
perspectives: at the Fed, obviously a policymaking central
bank; at Citibank, a lender; and at two financial technology
providers, including 12 years at IBM (International
Business Machines) and the last year at Fair Isaac,
a leader in decision management technology.