Dr. Turner currently serves as President and Senior Scholar of PERC, which he founded. He is a prominent expert on credit access, credit reporting and scoring, information policy, and economic development. He has testified before Congress and numerous state legislatures, and presented studies to a host of government agencies including the FTC, the FCC, and the FDIC, the Federal Reserve Board of Governors, the Council of Economic Advisors, and the White House.

Dr. Turner was appointed to the first Data Privacy and Integrity Advisory Committee of the Department of Homeland Security by former Secretary Tom Ridge, and served on an Advisory Board at the Brookings Institution. He has advised senior government officials in more than 20 countries, and was a policy advisor to the Obama Campaign on urban policy.

The author or co-author of dozens of books, studies, or articles, Dr. Turner is widely cited in the mainstream and trade media. He is a highly sought after public speaker who has addressed audiences worldwide. Dr. Turner has served as expert witness for both plaintiff and defense in several federal cases (class action, anti-trust) involving information policy, consumer credit, credit reporting and financials services.

Dr. Turner served as Graduate Fellow at the Columbia Institute of Tele-Information at the Columbia Business School, Executive Director of the Information Services Executive Council, manger of government affairs for the North American Telecommunications Association, and staff assistant in the U.S. Senate.

Dr. Turner received his Ph.D. from Columbia University in International Political Economy and his B.A. from Miami University in Economics. He was awarded a Yeck Fellowship from Harvard Business School, and was awarded the Ashoka Foundation Fellowship in 2009.

Dr. Varghese is a Senior Fellow and Research Director of the Political and Economic Research Council. He has worked extensively on issues of information privacy and security, data quality, credit reporting and credit reporting reform in the United States and abroad, media ownership, financial literacy and the use of non-financial data for widening credit access. Varghese has played a key role in research design the development of methodology for PERC's studies and has overseen PERC's research efforts in these areas. He is the co-author of many PERC studies on credit reporting and financial access. Varghese has worked on behalf of PERC with the Federal Trade Commission, the Government Accountability Office, and the offices of members of Congress on policy issues directly related to PERC's core research.

Dr. Varghese received his Ph.D. from Columbia University in political science, in comparative political economy. Prior to joining PERC, he worked as a senior researcher and Graduate Fellow at the Columbia Institute of Tele-Information (CITI) where he worked on issues of media concentration. Varghese has also worked for Institutional Investor Institute as a conference programmer, where he oversaw issues pertaining to the Y2K phenomenon and assessed survey results of the banks' and investment firms' technology policy. Varghese has published articles in top academic journals.

Walker’s areas of focus include economic policy and quantitative methods. While at PERC, Walker has helped spearhead analysis examining how consumer credit scores (and credit availability and price) are effected with the inclusion of different types and amounts of payment information in their credit files.

While in the Ph.D. program at Duke University (ABD), he taught undergraduate econometrics and microeconomics. Walker received an M.A. in economics from Duke University and a B.A. in economics and mathematics from the University of North Florida.

Dr. Duncan is currently an independent consultant with many clients across a broad swath of industries. Prior to leaving the private sector, Duncan served as Chief Economist for Dun & Bradstreet, where he oversaw a team of economists generating economic and strategic business analysis for D&B. Duncan has authored dozens of books and hundreds of articles, many of which focus on information economics. Duncan was involved in the crafting of the Privacy Act and helped architect the Standard Industrial Classification system (SIC) for tracking economic data across the entire U.S. economy. His most recent book, Statistics for the 21st Century, addresses issues pertaining to the collection and use of such data.

Dr. Roche is the Director of Scientific Intelligence for the Institute. He has extensive industry experience including his management of the Conference Board’s Council of Telecommunications Executives, composed of Chief Telecommunications Officers. He served as the Chief Research Officer for the Gartner Group (Research Board), and Chief Scientist for The Concours Group where he helped develop a “fast cycle” research methodology. He is an expert advisor to the United Nations on issues of Information Technology, and has served on mission in Kenya. Dr. Roche wrote papers on telecommunications infrastructure policy in the Bay area under the auspices of the Instutite of Urban and Regional Development at the University of California at Berkeley, and for the Council on Foreign Relations special study on globalization and the city. He conducted IT policy related research for the Diebold Institute for Public Policy Studies in Japan, Korea, and Brazil. He is the author of several books including Telecommunications and Business Strategy, Managing Information Technology in Multinational Corporations, and Information Systems, Computer Crime, and Criminal Justice, and has edited seven others. In 2007 he published Corporate Spy: Economic Espionage and Counterintelligence in the Multinational Enterprise, a revealing look at corporate espionage on a global scale.

Dr. Roche received a doctorate from Columbia University in 1987 with a thesis directed by Alan F. Westin on transborder data flow in multinational enterprises, and holds a MA in International Relations from the Johns Hopkins University School of Advanced International Studies in Washington, D.C. where he focused on national security, strategic defence, and international law. Dr. Roche’s paper on Information Technology in Multinational Corporations was elected as the best paper published in the IT field in Europe in 1996. He is a member of the Society of Competitive Intelligence Professionals, and the American Association for the Advancement of Science.

William S Greene, nicknamed ‘Wedge Greene’, has thirty years of experience spanning IT & Telecom. Wedge is an executive IT architect providing strategic and operation leadership for achieving innovation. As a well regarded industry analyst, Wedge provides monthly articles for Pipeline Publications and LTC’s Inside-Out.

Wedge currently consults in telecom strategy, product design, distributed systems design and systems integration; OSS/BSS design, selection, & deployment; NOC and Contact Center design, deployment and operations; as well as due diligence for strategic mergers. He serves as an executive consultant on many technical Advisory Boards and is an advisor to Venture Capitalists & Investment Banks. Today, he is promoting new telecom services, virtualization, SOA, survivability, and business service grids. He continues to lead advances in telecom support systems, currently as a thought leader in the emerging domain of Autonomic Communications.


Wedge is the initiator of the TeleManagement Forum’s (TMF) program of New Generation Operations Support Systems (NGOSS) and Fine Grain NGOSS. He sat on the TMF board of directors from 1999-2002 and served as a Board Advisor for many years. He authored several patents which are foundations for trans-enterprise SOA. Over a dozen pending patents cover aspects of globally distributed computer systems, Operation Support Systems (OSS), rapid response work teams, survivable application networks, global shared service architecture, distributed hosting, mobile agents for RFID tag tracking, and security gateways.

Mr. Greene has been centrally involved in the earliest introductions of major communications technologies, networks, support system innovations, and software architecture advances. He participated in standards, design, deployments, and operations in the rollouts of all modern data network technologies culminating in NGN. He participated in creating the infrastructure that commercialized the Internet.

Mr. Pereira received a degree in Business Administration from Fundação Armando Alvarez Penteado (Brasil).  He is the author of numberous articles for magazines and newspapers such as CRI, Cardnews, Isto E Dinheiro, DCI, Valor Economico, as well as others.  He has over 16 years of experience within the financial market, including work with credit bureaus, scoring, policy, reviews, development of management tools, collections and industry best practices.  Mr. Pereira has served as the Managing Director of Experian Brasil for ten years, and participated in setting up the business in Brazil in 2008. 

Mr. Brown has been involved in public policy research for over 10 years. Kenneth's expertise and background in public policy includes economics, trade, and technology. While Kenneth Brown was the president of the Alexis de Tocqueville Institution, he authored and published over 100 publications on a range of public policy topics including technology, trade, immigration, and economics. Kenneth's expertise includes foundation relations and project development.

Kenneth Brown resides in Falls Church, Va. Kenneth is a graduate of George Mason University.

David Hindie is Adjunct Assistant Professor of Philanthropy & Fundraising at New York University.  He has over 20 years of experience as a nonprofit staff member, board member, teacher and consultant.  He participated in the Coro Foundation’s Leadership New York Program for mid-career leaders from the public, private and nonprofit sectors; he also serves as a Philanthropic Advisor to a private grantmaking foundation in Manhattan.  Before entering the nonprofit field in 1988, he worked on Wall Street as an analyst with JPMorgan.  He received his BA from LeMoyne College in Finance.

Lynne T. Wu has over 20 years of experience advising and serving in a leadership capacity for multiple sectors of the nonprofit community including social services, education, healthcare, cultural, environment, and the arts.  Between 2006 and 2007, Ms. Wu was the Director of Campaign Planning and Administration for the Wildlife Conservation Society’s $650 million dollar campaign.  For three years prior to that, she was the Senior Director of Development/Chief Development Officer for the Cincinnati Zoo and Botanical Garden. Between 1995 and 2003, she held multiple positions of increasing responsibility at the Cincinnati Children’s Hospital Medical Center.  She participated in the Leadership Cincinnati Program for leaders from the public, private and nonprofit sectors.  Cincinnati participants are selected on the basis of demonstrated leadership ability as well as evidence of community interest and commitment.  Her experience in resource and relationship development has included synthesizing highly functional partnerships amongst nonprofit leadership, community thought leaders, major donors, and grassroots visionaries within and around the organization.  She received her BA from the University of Massachusetts at Amherst.

As the owner of Penn Capital, Inc. (PCI), Michael G. Nathans has provided a range of consulting services over his 27-year career to financial institutions, investment banks, government agencies, private investors, multifamily property managers, condominium converters, and loan servicers. He has assisted clients in developing and executing acquisition, financing, risk management, marketing and disposition strategies. Nathans also currently serves as Chief Compliance Officer of eCredable LLC, a company that enables consumers to provide supplemental tradeline information with any application that requires a credit check, under the provisions of the Equal Credit Opportunity Act.

Michael Nathans is a pioneer and widely recognized thought leader in the development of alternative approaches to the collection and use of rental, utilities, and other tradeline information that is underreported or not reported to consumer and commercial credit bureaus. He founded Pay Rent, Build Credit, Inc. (PRBC), an alternative credit bureau he launched in 2002 with grants from the Ford Foundation and matching R&D investments from Citigroup, IBM, Fannie Mae, and Freddie Mac with the goal of ending the disparate impact of credit scoring on apartment renters and other credit underserved classes by helping them build a credit history.

During the five years prior to launching PRBC, Nathans worked for PriceWaterhouseCoopers in the Asset Securitization, Mortgage Banking, and Financial Risk Management Practices located in Washington, DC. For PwC’s capital markets clients, he provided management of pre-closing deal analytics for the securitization of collateralized bond and loan obligation (CBOs/CLOs) pools totaling $3 billion. In this capacity he supervised portfolio stratifications, collateral-level due diligence, collateral eligibility criteria and portfolio quality tests.

Nathans began his career as a vice president at Sterling Investments, where he specialized in the listing and sale of multifamily properties to tax shelter syndicators, condominium converters, and rehab specialists. He received his B.A. from Franklin and Marshall College.