Fintech Innovation and Policy

Before MIT, Jim was the assistant dean of research business development at the UMass Amherst College of Information and Computer Sciences. Jim founded, built, and sold multiple technology companies in fintech and online media. He has bootstrapped startups and closed venture capital, angel, and private equity funding rounds. Jim also served as the Chief Operating Officer of a public company and a subsidiary of Pitney Bowes. He began his career at AT&T as a software developer, hardware engineer, and national account manager. Jim has authored patents and wrote one of the first books on Java programming. Out of all the roles he's held, Jim's favorite job title by far is dedicated dad of four. He earned a BS from Manhattan College and an MBA with concentrations in finance and international business from New York University.

Deborah Lucas is the Sloan Distinguished Professor of Finance at the MIT Sloan School of Management and Director of the MIT Golub Center for Finance and Policy.

Lucas's current research lies at the intersection of finance and policy, with a focus on economically meaningful cost measurement and assessment of government financial activities. Some current projects include measuring the capital subsidies to state-owned enterprises, evaluating the international fiscal and macroeconomic implications of Covid19 credit support programs, creating a world atlas of government financial institutions, and analyzing reverse mortgages.

Lucas is a Research Associate at the National Bureau of Economic Research, a Term Professor at the PBC School of Finance at Tsinghua University, and a member of the Shadow Open Market Committee. She serves on advisory boards for the Federal Reserve Bank of New York and the Urban Institute, on the editorial board of the Annual Review of Financial Economics, and as an associate editor for the American Economic Journal: Economic Policy. She is a board member of the Chicago Mercantile Exchange, and consultant for the OECD and the Congressional Budget Office. She is an elected member of the National Academy of Public Administration and the National Academy of Social Insurance.

Previous appointments include chief economist, and subsequently assistant and associate director at the U.S. Congressional Budget Office, member of the Social Security Technical Advisory Panel, senior staff economist for U.S. Council of Economic Advisers, Professor at the Kellogg School of Management at Northwestern University, and coeditor of the JMCB. An expert on federal credit programs, she has testified before the U.S. Congress on Fannie Mae and Freddie Mac, student loans, and strategically important financial institutions.

Lucas received her BA, MA, and a PhD in economics from the University of Chicago.

Before MIT, Jim was the assistant dean of research business development at the UMass Amherst College of Information and Computer Sciences. Jim founded, built, and sold multiple technology companies in fintech and online media. He has bootstrapped startups and closed venture capital, angel, and private equity funding rounds. Jim also served as the Chief Operating Officer of a public company and a subsidiary of Pitney Bowes. He began his career at AT&T as a software developer, hardware engineer, and national account manager. Jim has authored patents and wrote one of the first books on Java programming. Out of all the roles he's held, Jim's favorite job title by far is dedicated dad of four. He earned a BS from Manhattan College and an MBA with concentrations in finance and international business from New York University.

Deborah Lucas is the Sloan Distinguished Professor of Finance at the MIT Sloan School of Management and Director of the MIT Golub Center for Finance and Policy.

Lucas's current research lies at the intersection of finance and policy, with a focus on economically meaningful cost measurement and assessment of government financial activities. Some current projects include measuring the capital subsidies to state-owned enterprises, evaluating the international fiscal and macroeconomic implications of Covid19 credit support programs, creating a world atlas of government financial institutions, and analyzing reverse mortgages.

Lucas is a Research Associate at the National Bureau of Economic Research, a Term Professor at the PBC School of Finance at Tsinghua University, and a member of the Shadow Open Market Committee. She serves on advisory boards for the Federal Reserve Bank of New York and the Urban Institute, on the editorial board of the Annual Review of Financial Economics, and as an associate editor for the American Economic Journal: Economic Policy. She is a board member of the Chicago Mercantile Exchange, and consultant for the OECD and the Congressional Budget Office. She is an elected member of the National Academy of Public Administration and the National Academy of Social Insurance.

Previous appointments include chief economist, and subsequently assistant and associate director at the U.S. Congressional Budget Office, member of the Social Security Technical Advisory Panel, senior staff economist for U.S. Council of Economic Advisers, Professor at the Kellogg School of Management at Northwestern University, and coeditor of the JMCB. An expert on federal credit programs, she has testified before the U.S. Congress on Fannie Mae and Freddie Mac, student loans, and strategically important financial institutions.

Lucas received her BA, MA, and a Ph.D. in economics from the University of Chicago.

Prior to serving as the head of the Federal Housing Administration from 2015-2017, Ed Golding was a senior advisor in the U.S. Department of Housing and Urban Development. In that role, he helped formulate policy on housing finance reform and the expansion of funding for the Housing Trust Fund.

Golding was also an executive at the Federal Home Loan Mortgage Corporation (Freddie Mac) from 1989-2012, where he headed model development, strategy and investor relations and developed a national reputation for visionary leadership in housing finance policy.

Most recently, Golding served as a Visiting Fellow in the Housing Finance Policy Center at the Urban Institute and as an Adjunct Professor of Finance at Columbia Business School. In addition, Golding has taught at the Wharton School of the University of Pennsylvania, the Woodrow Wilson School of Public and International Affairs at Princeton University, and the University of Florida.

He earned an AB degree in applied mathematics from Harvard University in 1976 and a PhD in economics from Princeton University in 1982.