2025 Regulatory Summit

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Jonathan Nguyen Jonathan Nguyen is a Principal Security Architect at AWS.

He has expertise across multiple technical security domains and focuses on helping Financial Services customers understand and implement security and compliance requirements at scale within AWS. He has an extensive consulting background, which has helped him guide customers from theory to practice. When he is not working security and compliance, he is spending time traveling across the globe and being outdoors with his family. Thomas Siems Thomas Siems is Chief Economist at the Conference of State Bank Supervisors (CSBS) in Washington, DC. Thomas joined CSBS in 2019 after serving 34 years at the Federal Reserve Bank of Dallas and 20+ years teaching at Southern Methodist University. Dr. Siems earned a BSE in industrial and operations engineering from the University of Michigan and MS and PhD degrees in operations research from Southern Methodist University. Thomas is also a 1991 graduate of the Graduate School of Banking at Colorado. More recently, in 2022, Siems was awarded the degree of Master of Biblical and Theological Studies from Dallas Theological Seminary, and in 2024 earned a Doctor of Ministry in Theology and Apologetics from Liberty University. Since he cannot seem to get enough educ ation, Siems is now taking classes toward a doctorate in public policy. Dr. Siems’ current research interests are examining the impact of regulatory compliance costs on community banks and using surveys of community bankers to better understand the risks and opportunities for community banks. At CSBS, Siems is responsible for evaluating the results of the organization’s quarterly Community Bank Sentiment Index. Thomas teaches “Economics for Bankers” at the Graduate School of Banking at Colorado and has published more than 75 articles in academic, Federal Reserve, and refereed journals. He delivered a 2015 TEDxSMU Talk, “The Wealth of Innovations,” and has authored five children’s picture books, including The Dangerous Pet, which poetically helps readers understand the dangers of debt. When not researching the intricacies of the U.S. financial system, Dr. Siems can be found on a golf course or playing with one of his seven grandchildren or walking his dog Nitro. Carla Sanchez-Adams Carla Sanchez- Adams is a senior attorney at the National Consumer Law Center (NCLC) focusing on emerging issues in banking and payment systems, fintech, and high - cost lending. Carla is board certified by the Texas Board of Legal Specialization in Consumer and Commercial Law, is a board member for the National Association of Consumer Advocates (NACA), and a Fellow of the American Bar Foundation. She serves as a Member of the American Bar Association’s Commission on Domestic and Sexual Violence and the Texas State Bar’s Consumer and Commercial Law Section’s Council. She is a co- author of NCLC’s Consumer Banking and Payments Law treatise. Prior to joining NCLC, Carla was a managing attorney with Texas RioGrande Legal Aid, Inc., assisting low -income Texans on issues related to debt collection, credit reporting, auto fraud, debt management, and other consumer -related disputes. She led a team of advocates who utilized a holistic approach to achieving economic security for victims of crime, including survivors of family violence, sexual assault, and human trafficking. Kyle Thomas Kyle Thomas works to promote and strengthen state financial regulators through his role as Senior Advisor for Policy and Innovation at the Conference of State Bank Supervisors. In this role, he provides thought leadership for