Conference Speakers

All MFA Global Summit 2020 Keynote speakers will be announced in the weeks ahead. Stay tuned.

Alder, Ashley

Ashley Alder

Chief Executive Officer, Securities and Futures Commission, Chair of the Board, International Organization of Securities Commissions

Ashley is the Chief Executive Officer of the Securities and Futures Commission (SFC) of Hong Kong. He was first appointed in October 2011. In May 2016, Ashley was elected as Chair of the Board of the International Organization of Securities Commissions (IOSCO), and was re-elected for a further two-year term in June 2020.

Ashley was previously Chair of the IOSCO Asia-Pacific Regional Committee and Vice Chair of the IOSCO Board. Ashley has represented IOSCO as a member of the Financial Stability Board Steering Committee and Plenary since his election as IOSCO Board Chair.

Ashley started his career as a lawyer in London in 1984. He moved to Hong Kong in 1989 with the international law firm Herbert Smith, practicing corporate and business law. He was Executive Director of Corporate Finance at the SFC from 2001 to 2004, before returning to Herbert Smith, where he became head of the firm’s Asia Region.

David Bartels

Deputy Chief Counsel, Division of Investment Management, U.S. Securities and Exchange Commission (SEC)

Bassi, Ugo

Ugo Bassi

Director, Financial Markets DG FISMA, European Commission

Ugo Bassi is Director of Financial Markets at FISMA, the European Commission’s Directorate‑General for Financial Stability, Financial Services and Capital Markets Union since 2012. Lawyer by profession, Ugo Bassi has worked as a ‘référendaire’ at the European Court of Justice from 1990 to 1997. In the last years, he held several management positions at the European Commission and was responsible for various post-crisis measures in the area of financial services and markets such as Post-trade, Securities, Asset Management, Audit, Accounting, and Credit Rating Agencies. He also launched the Capital Markets Union (CMU) project, including the Sustainable Finance component. He represents European Commission at high-level fora and events worldwide and providing contributions on Brexit strategies.

Braddick, Katherine

Katharine Braddick

Director General, Financial Services, HM Treasury

Katharine Braddick is Director General for Financial Services at the Treasury, leading on all aspects of policy for financial services and Financial Stability Board

Katharine joined the Treasury in 2014 as Director, Financial Services (International), before which, she had spent a decade in financial services regulation at the FSA and, latterly, the Bank of England where she was Director of Prudential Policy.

Katharine began her career as a fast stream civil service at the Department of the Environment and has also worked at the Association of British Insurers.

Braden, Kristine

Kristine Braden

Head of Citi Europe Cluster and CEO, Citigroup Global Markets Europe

Kristine serves as Citi’s Europe Cluster Head leading the firm’s businesses across 22 markets and non-presence countries. She has also been named the CEO of Citigroup Global Markets Europe AG. Kristine is based in Frankfurt, Germany.

Kristine has enjoyed a 22-year career with Citi working across the US, EMEA, Asia and Latin America. From 2018 to 2020, Kristine was Chief of Staff to CEO Mike Corbat and chaired the North America Business Council and the State Leadership Councils, located in New York. From 2015 to 2018, she was the Citi Country Officer and Corporate & Investment Banking Head for Switzerland, Monaco and Liechtenstein based in Zurich. Before moving to Switzerland, Kristine was Head of the Global Subsidiaries Group for Europe, posted in London. She also has 14 years of experience in Asia in banking, capital markets and transaction services based in Hong Kong and Manila. Kristine started her career as a Global Emerging Market Management Associate with postings in the Dominican Republic, Hong Kong, the Philippines and Egypt.

Kristine is a keen advocate of advancing women’s diversity. She was named as one of the top 100 women in EMEA finance by Financial News, among the top 100 bankers in Switzerland by Bilanz Magazine and among the top 100 Women in Swiss business by Women in Business Magazine. Kristine also served as the President of Advance Women, a non-profit organization promoting gender equality in Switzerland. She currently serves as the Families Matter Affinity Co-Lead at Citi. Kristine has also served as President of the Association of Foreign Banks in Switzerland and member of the Board of the Swiss Bankers Association, the first female in both positions. She was also a member of the Swiss-American Chamber of Commerce and served on the Chapter Board Doing Business in Switzerland.

In her personal capacity, Kristine served as a Trustee of Opportunity International UK, a global microfinance charity from 2013 to 2017.
Kristine is married with two children adopted from Hong Kong, aged 22 and 18.

Natasha Cazenave, AMF Septembre 2017

Natasha Cazenave

Managing Director and Head of the Policy and International Affairs Directorate, French Financial Markets Authority (AMF)

Natasha Cazenave is Managing Director of the French Autorité des Marchés Financiers (AMF) and Head of the Policy and International Affairs Directorate. The Directorate covers all areas of securities regulation including markets and intermediaries, OTC derivatives, CCP, asset management, corporate governance, transparency requirements for issuers as well as Fintechs and sustainable finance. Natasha is also co-Chair of the Financial Stability Board’s Non Bank Working Group since 2015.

Prior to joining the AMF, she worked 8 years for a European consultancy specialised in corporate governance and the promotion of investor rights, Deminor. She started her career at Ernst & Young, in the Valuation and Business Modelling team of Ernst & Young Corporate Finance. Natasha holds a Masters Degree in Economics and Finance from the University of Paris Dauphine.


Bryan N. Corbett

President and Chief Executive Officer, Managed Funds Association

Bryan Corbett is MFA’s President and CEO. He is a veteran of Washington and Wall Street. For the past 12 years, he was a senior executive at The Carlyle Group, most recently as Managing Director in the Corporate Private Equity segment and Head of the firm’s OneCarlyle Global Investment Resources Group. In this role, Mr. Corbett and his team provided strategic and operational support to investment teams and portfolio companies across segments.

For the first half of his Carlyle tenure, Mr. Corbett managed U.S. government and regulatory issues affecting Carlyle, its investments and the industry. In this role, he developed legislative and regulatory strategies relating to all of Carlyle’s business segments, including private equity, credit and real estate. In addition to serving on the boards of several Carlyle portfolio companies, Mr. Corbett started the firm’s global corporate citizenship program focused on responsible investing, published Carlyle’s inaugural corporate citizenship report, and started the firm’s initiative to recruit and place diverse individuals on portfolio company boards in the U.S.

Prior to joining Carlyle, Mr. Corbett served in the George W. Bush Administration as a Special Assistant to the President for Economic Policy and as the Senior Advisor to Deputy Secretary Robert Kimmitt at the Treasury Department. He also served as Majority Counsel on the Senate Banking Committee.

Mr. Corbett earned his JD from George Washington University Law School, where he was editor-in-chief of the George Washington Law Review, and earned his BA from University of Notre Dame.

Cross, Gerry

Gerry Cross

Director; Financial Regulation – Policy & Risk; and (ad interim) Asset Management and Investment Banking, Central Bank of Ireland

Gerry Cross was appointed as Director of Financial Regulation Policy and Risk in May 2015. He leads the Central Bank’s work on prudential and markets conduct regulatory policy and its supervisory risk framework (PRISM). Gerry is also currently Director of Asset Mangement and Investment Banking Supervision. A member of the Board of Supervisors of EBA, and alternate member of EIOPA Board of Supervisors, Gerry co-chairs EBA’s Standing Committee on Regulation and Policy.

Gerry has had an extensive career in the area of financial services regulation. Before joining the Central Bank he has worked at the European Commission, the UK Financial Services Authority, Fortis Group, the Institute of International Finance, and the Association for Financial Markets in Europe.

Cunliffe, Sir Jon 2

Sir Jon Cunliffe

Deputy Governor Financial Stability, Bank of England

Sir Jon Cunliffe became Deputy Governor for Financial Stability on 1 November 2013. Jon is a member of the Bank’s Financial Policy and Monetary Policy Committees, the Bank’s Court of Directors and the Prudential Regulatory Committee.

He has specific responsibility within the Bank for financial stability, for the supervision and oversight of Financial Market Infrastructures, Resolution policy and implementation, and shared responsibility for the Bank’s International macroeconomic analysis, strategy and engagement. He is a member of the G20 Financial Stability Board Steering Committee, the Bank for International Settlements’ Board of Directors and the European Systemic Risk Board.

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Michel de Jonge

Manager, International Public Affairs, PGGM

Michel (49) started his career in 1996 at the Dutch Ministry for Agriculture as a general policy worker after graduating from Nijmegen University as a physical planner.

Since 2008 Michel acts as senior member of the PGGM public affairs team. PGGM is the 2nd largest pension service provider in the Netherlands and a prominent pension actor in Europe. For PGGM Michel follows actively all developments in Brussels on pensions, financial markets and investments, participating in debates on many issues voicing the perspective of pension funds and pension fund investing. Michel chairs the Brussels team of the Dutch pension sector and acts as chairman of the coordinating team of the Dutch sector on sustainable finance.

Gilvarry, Oliver sq

Oliver Gilvarry

Head of Markets, Investment Funds and CMU, Irish Ministry of Finance

Oliver Gilvarry is Head of Markets, Investment Funds and CMU in the Irish Ministry of Finance. In his role he is responsible for domestic and European policy development in those areas. Oliver has had a number of roles in the area of capital markets including in Lloyds Banking Group and KBC. He was also Head of Research in an Irish stockbroker and has previously worked in the Central Bank of Ireland. He is a graduate from NUI Maynooth and Dublin City University and holds post graduate degrees in Economics and Finance. Oliver is also a Fellow of the Chartered Management Accountants.


Jörg Kukies

State Secretary, Federal Ministry of Finance

Jörg Kukies is the state secretary for financial market policy and European policy at the Federal Ministry of Finance since April 2018. Before that he was co-chief executive officer of Goldman Sachs AG and managing director of the Frankfurt branch of Goldman Sachs International from 2014 to 2018. He has previously held positions in the product development team of Goldman Sachs International in London, in the equities division for Germany and Austria in Frankfurt, and as head of equity derivatives for Europe, the Middle East and Africa at Goldman Sachs International from 2011 to 2014. Dr Kukies studied economic sciences at Pantheon-Sorbonne University in Paris. He has a master in public administration from John F. Kennedy School of Government, Harvard University, and a PhD in finance from the University of Chicago, Graduate School of Business.


Courtney E. K. Lewis

Chief Compliance Officer and General Counsel, Marshall Wace North America, LP.

Courtney is currently Chief Compliance Officer and General Counsel of Marshall Wace North America.  Prior to joining the firm, Courtney was Chief Compliance Officer and General Counsel of Hound Partners, which was seeded by Tiger Management.  She began her career at Systematic Financial Management, an affiliate of Affiliated Managers Group, as Compliance Officer and Counsel.

Courtney gained a Bachelor of Arts (2007) from New York University’s Gallatin School of Individualized Study and a Juris Doctorate with a Masters in International Political Economy and Development (2010) from Fordham University in New York.  Courtney is an adjunct professor in Fordham Law School’s Masters of Compliance program, for which she also helped develop the online course curriculum in Investment Management Regulation.  She also serves on the Executive Board of Literacy Partners, a large adult literacy non-profit organization focused on having a two-generation impact on education.


Steven Maijoor

Chair, European Securities and Markets Authority (ESMA)

Steven Maijoor has been the Chair of the European Securities and Markets Authority (ESMA) since taking up office 1 April 2011. He is the first chair of the authority and is currently serving his second five-year term. He is responsible for representing the Authority as well as chairing ESMA’s Board of Supervisors and the Management Board.  The role of the Board of Supervisors is to give strategic guidance to ESMA and make all main regulatory and supervisory decisions. The Management Board’s purpose is to ensure that the Authority carries out its mission and performs its tasks.

Prior to taking up this role, Steven was Managing Director at the AFM, the Dutch financial markets regulator, where he was responsible for capital market supervision, including financial reporting and auditing, prospectuses, public offerings, and the supervision of the integrity of financial markets. During his term, the scope of activities of the AFM vastly expanded and he was responsible for building and implementing supervision in the capital market area. In his regulatory role at the AFM, Steven has held a number of international positions, including the Chairmanship of IFIAR (International Forum of Independent Audit Regulators).

Before joining the regulatory world, Steven was the Dean of the School of Business and Economics at Maastricht University, and had pursued a long career in academia which included a variety of positions at Maastricht University and the University of Southern California.

He holds a PhD in Business Economics from Maastricht University, was a research student at the London School of Economics, and has a master in Business Economics from the University of Groningen.

Steven is married and has two daughters and a son.

Edouard Matitia-Cohen

Global Head of Equity Financing Distribution, Bank of America

Edouard Matitia-Cohen is a Managing Director and Global Head of Equity Financing Distribution at Bank of America, based in New York.

In his role, he is responsible for all sales globally across Prime Brokerage, Equity Synthetics and Stock Loan, ensuring the delivery of an integrated coverage and distribution strategy worldwide. He joined the firm in 2012 and was previously Americas Head of Equity Sales.

Prior to joining Bank of America, Matitia-Cohen was the European Head of Equity Derivatives, Convertibles and Delta One sales at Credit Suisse, based in London. He was a member of Credit Suisse’s European Equity Management Committee and Global Equity Management Committee.

Previously, Matitia-Cohen worked at Morgan Stanley for over 11 years and held various roles including the Head of U.S. Capital Structure and Special Situations business in New York, and a member of the Equity Derivatives trading team in London.

He holds a B.A. (Hons.) in economics from ICADE University in Madrid and Ecole Superieure de Commerce in Reims, France.

Matitia-Cohen is a board member of the Managed Fund Association (MFA), a term corporate member of the Council of Foreign Relations (CFR) and serves as an outside advisor to the Institute for the Study of War (ISW).

Miller, Nick

Nick Miller

Head of Asset Management, Wholesale Supervision – Investment, Wholesale and Specialists Division, Financial Conduct Authority (FCA)

Nick Miller is head of the Asset Management Department within the Investment, Wholesale & Specialist Supervision Division at the Financial Conduct Authority. In this role, Nick is responsible for the FCA’s oversight of over 3,000 firms across the asset management and custody bank sectors. Previously, Nick was head of the EU & Global Department, responsible for managing the FCA’s strategic relationships with counterpart regulators and other stakeholders throughout Europe and globally. He was also responsible for the FCA’s strategy in relation to the UK’s withdrawal from the EU.

Prior to joining the regulator, Nick was Executive Director and Head of Public Policy, EMEA at Morgan Stanley, where he spent four and a half years. He previously worked in a government relations role at Thomson Reuters and as a trade policy expert at the Confederation of British Industry (CBI). He holds an MSc in Finance from the London Business School and an MA in European Politics from the College of Europe in Belgium. He holds a BA in Modern European Studies from University College London (UCL).

Murphy, Mick sq

Mick Murphy

Head of Alternatives, BNY Mellon

Mick Murphy is the Head of the Alternatives Business within BNY Mellon’s Asset Servicing business.  Mick is responsible for development of the strategy, product development and commercial activity. Prior to his current role, he led the Hedge Fund business within the Alternatives business.

During his time at BNY Mellon Mick has also led the Investment Management and Insurance segments in EMEA within BNY Mellon’s Global Client Management Division.

Prior to joining BNY Mellon in August 2001 Mick spent 16 years with HSBC where he held Management roles in Retail and Enterprise Banking. Mick also spent 2 ½ years leading a team within HSBC’s Securities Servicing business responsible for clients across the Insurance, Investment Management & Fund Services sectors.

Mick is a Non-Executive Director on the board of BNY Mellon’s Irish Fund Servicing business, as well as a Company Nominated Trustee on the BNY Pension Plan.

Harvard Management Company

Kate Murtagh

Chief Compliance Officer and Managing Director of Sustainable Investing, Harvard Management Company

Kate Murtagh is the Managing Director for Sustainable Investing and the Chief Compliance Officer of Harvard Management Company, Inc. (HMC). Ms. Murtagh joined HMC in 2006.

As Managing Director for Sustainable Investing, Ms. Murtagh is responsible for designing and implementing HMC’s sustainable investing program across all asset classes. Ms. Murtagh developed HMC’s first sustainable investing policy and worked closely with Harvard University in its decision to become the first US endowment signatory to the United Nations-supported Principles for Responsible Investment, as well as its recent commitment for the endowment portfolio to achieve net-zero greenhouse gas emissions.

Ms. Murtagh was named a 2017 Leader in the Law by Massachusetts Lawyers Weekly for her innovative work in sustainable investing.

As Chief Compliance Officer, Ms. Murtagh is responsible for regulatory and legal matters relating to HMC’s investment activities. In this capacity, Ms. Murtagh has extensive expertise in the structuring and implementation of various investment strategies including co-mingled funds, separately managed accounts, joint ventures, private REITS, and direct asset ownership.

Prior to joining HMC, Ms. Murtagh was a partner in the Business Law Department of Goodwin Procter LLP, a national law firm based in Boston, MA.

Ms. Murtagh earned a B.S. in Management from Rensselaer Polytechnic Institute and a J.D. from Cornell Law School, where she served as Managing Editor of the Cornell Law Review.

Ng, Leonard sq

Leonard Ng

Partner, Sidley Austin, LLP

Leonard Ng ( is Co-head of the EU Financial Services Regulatory Group at Sidley Austin LLP in London, and a member of the firm’s Executive Committee. He advises a wide range of financial institutions, including the Managed Funds Association, its members and other alternative investment managers, on the ongoing changes to the UK and EU regulatory landscape. He also works closely with Sidley’s global regulatory team in advising clients on cross-border regulatory reform, in particular clients affected by overlapping US and EU regulations. Leonard has particular experience in advising clients on operating under the UK/EU regulatory framework established after the last financial crisis (AIFMD, MiFID II, Short Selling Regulation, etc), and more recently on Brexit, sustainable finance/ESG, LIBOR transition and cryptoasset regulation. From September 2014 to September 2016 Leonard was a member of the Board of the Managed Funds Association. Leonard is a frequent speaker at industry conferences.

Panja, Kumar

Kumar Panja

Managing Director, JP Morgan

Kumar Panja is a Managing Director in JP Morgan’s Prime Finance business and head of the EMEA capital advisory group which includes capital introduction and consulting. Prior to joining JP Morgan Kumar worked for Goldman Sachs International in London.  Kumar is a member of the Strategic Partner Advisory Committee and International Affairs Committee of the Managed Funds Association and participates on a number of committees of AFME. He graduated from the London School of Economics.


Michael Pedroni

Executive Vice President and Managing Director, Global Markets & Research 

Michael Pedroni is MFA’s Executive Vice President and Managing Director, Head of Global Research and Markets, reporting directly to MFA’s President and CEO. Michael leads the analysis that underpins MFA’s global advocacy and policy engagement. Michael also guides MFA’s research on financial markets, runs MFA Insights—a platform for examining relationships between policy making and investments—and directs MFA’s work on credit.  

Michael draws on 25 years of experience in international affairs, financial policy, markets, regulation, central banking, and U.S.-EU relations. Prior to joining MFA in 2017, Michael served under four Treasury Secretaries, beginning his tenure at Treasury as the first Director of the re-established Markets Room, just as the financial crisis was unfolding in the summer of 2008. Michael was deeply involved in helping the White House and Treasury Secretary to assess the financial markets during the Global Financial Crisis and the Euro Crisis.  Michael subsequently directed Treasury’s Western Hemisphere Office before moving to Brussels for three years as the U.S. Financial Attaché and head of Treasury’s office in Europe.  

In 2016, he was detailed to the National Security Council and National Economic Council, acting as Senior Director for Global Economics and Finance for the Obama White House, before rejoining Treasury in late 2016 as Senior Executive Director for International Economic Analysis. Michael has also worked at the Federal Reserve Bank of New York, the International Monetary Fund (IMF), and the inter dealer-broker, ICAP.  

Michael graduated from Yale University and received a Masters Degree in International Affairs from Columbia University. He was also a Fulbright Scholar in Germany and is conversational in German, Italian, and French. Michael is an adjunct professor in the department of economics at George Washington University, where he teaches a course on managing global financial crises. 

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Sébastien Raspiller

Assistant Secretary, Head of the Financial Sector Department, Directorate-General of the Treasury, French Ministry of Economy and Finance

Sébastien was previously head of the Insurance Markets and Products Unit (2009-2012) and of the Corporate Financing Unit at the Directorate-General of the Treasury (2012-2013), where he also served as General Secretary of the Interministerial Committee for Industrial Restructuring. He was appointed deputy assistant secretary in 2013 (until 2018), in charge of Financial Markets and Corporate Financing.

He graduated in 1997 from Ecole Polytechnique.

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Sandy Rattray

Chief Investment Officer, Man Group

Sandy Rattray is Chief Investment Officer of Man Group and a member of the Man Group Executive Committee. He is also a member of the Man Group Responsible Investment Committee. He was previously CEO of Man AHL from 2013 to 2017, and CIO of Man Systematic Strategies from 2010 to 2013.

Before joining Man Group in 2007, Sandy spent 15 years at Goldman Sachs where he was a Managing Director in charge of the Fundamental Strategy Group. He also ran Equity Derivatives Research at Goldman Sachs in London and New York.

Sandy is a co-inventor of the VIX index. He is a board director of MSCI Inc and sits on the MSCI Advisory Council and the Jesus College Cambridge investment committee. Sandy is a governor of the Southbank Centre in London and is a founding patron of the London Cycling Campaign.

He holds a Master’s Degree in Natural Sciences and Economics from the University of Cambridge and a Licence Spéciale from the Université Libre de Bruxelles.

Salmon, Chris

Chris Salmon

Global Chief Control Officer, Global Markets, HSBC

Chris Salmon has been Global Chief Control Officer for Global Markets since September 2018 when he joined HSBC.  Prior to joining HSBC, Mr. Salmon was the Executive Director for Markets, at the Bank of England, from 2014-2018.

Steenis, Huw van

Huw van Steenis

Chair Sustainable Finance Committee & Senior Adviser to the CEO, UBS

Huw van Steenis is Senior Adviser to the Chief Executive of UBS and Chair of the firm’s new Sustainable Finance Steering Committee.  He acts as senior adviser to the Firm and clients on a range of financial and sustainable issues to guide strategic decisions.

Prior to joining, van Steenis was Senior Advisor to the Governor Mark Carney at the Bank of England. The Governor asked him to lead a review “exploring what the financial system of tomorrow might look like, and what it means for the Bank of England’s priorities now and in the future.”    The Future of Finance report catalyze a five pronged plan announced by the Governor of enhancing digital payments, shaping a world-class data strategy, facilitating firm’s use of technology, enabling SME finance and smoothing the transition to a lower-carbon economy, including climate change stress tests.

van Steenis has been recognize has one of the most influential investment strategists.   Huw worked at Morgan Stanley for 14 years spending much of his time there as Global Head Banks and Diversified Financials research.  From 2016-2018 he served as Global Head of Strategy at Schroders on their Group Management Committee and Capital Committee.  He frequently features in the media and writes for the Financial Times and other publications on financial services, investing and central banking

He has served on various boards and committees including the World Economic Forum’s Global Future Council on Financial and Monetary Systems and the European Central Bank’s Advisory Group on Macro-Prudential Policies and Financial Stability (2015-2017).  Van Steenis is a Trustee of English National Opera and chairs its advisory board

White, Ben

Ben White

Chief Economic Correspondent, Politico

Ben White is POLITICO Pro’s chief economic correspondent and author of the “Morning Money” column covering the nexus of finance and public policy.

Prior to joining POLITICO in the fall of 2009, Mr. White served as a Wall Street reporter for the New York Times, where he shared a Society of Business Editors and Writers award for breaking news coverage of the financial crisis.

From 2005 to 2007, White was Wall Street correspondent and U.S. Banking Editor at the Financial Times.

White worked at the Washington Post for nine years before joining the FT. He served as national political researcher and research assistant to columnist David S. Broder and later as Wall Street correspondent.

White, a 1994 graduate of Kenyon College, is married with two sons and lives in New Jersey.

Yang, Sharon

Sharon S. Yang

Deputy Assistant Secretary, International Financial Markets, U.S. Department of the Treasury

Sharon S. Yang is the Deputy Assistant Secretary of the International Financial Markets office in Treasury International Affairs.  Sharon heads a team of international economists and financial analysts responsible for addressing a wide range of international financial policy issues, including advocating U.S. financial regulatory interests in multilateral forums such as the Financial Stability Board and G-20, bilaterally through formal dialogues with international counterparts in Europe and Asia, and by assessing potential systemic financial risk in key international financial markets.  She leads Treasury’s international engagement on financial innovation, including through G7, FSB, and the IMF High-level Advisory Group on Finance and Technology.  Prior to her current role in Treasury International Affairs, Sharon was in Treasury’s Office of the General Counsel.

Sharon’s work at Treasury builds on 15 years’ private sector financial regulatory, strategy and legal experience, including as in-house counsel and in private practice in New York.  Sharon began her career as a management consultant, where she advised Fortune 500 companies on corporate strategy.  Sharon holds a Juris Doctorate from the Georgetown University Law Center and is a graduate of the Wharton School of the University of Pennsylvania.