Lori Treviño is an Assistant Vice President – Analyst on the Western Regional Local Governments Ratings Team covering municipal credits throughout western states and serving as the local government lead for Arizona, Washington and cities in California. She had a lead role in updates to property assessment and tax increment rating methodologies, as well as served on the working group that developed the instrument considerations framework for special tax securities rated under sector-based methodologies. She was a member of the working group that established the analytical framework for evaluating ESG risks for public school districts across the US and continues to participate in evaluating credit impact of environmental and social risks on local governments in the western US.

Prior to joining Moody’s, Lori was a financial analyst and the redevelopment program manager for the City of El Cerrito; a managing consultant at Seifel Consulting, serving clients that included public agencies and real estate developers; and management analyst for the City of Fremont. Her professional experience includes management and financing of revitalization programs, projects and properties; city budgeting; and analysis of real estate economics and development impacts, including the fiscal effects of land use policies given tax and revenue limitations, such as California’s Propositions 13 and 22, and similar legal provisions in other states.

Lori holds AB degrees in Mass Communication and History from the University of California, Berkeley and a Master in Public Policy degree from the Harvard Kennedy School.

Tyler is the co-founder and CEO of DebtBook, a leading provider of cloud software for treasury and accounting teams in the public finance industry.

During his ten years of working with government and non-profit finance teams as an investment banker and financial advisor, Tyler developed a passion for the importance of these teams and the impact of their work on our communities. He also saw firsthand the lack of modern tools designed for our servant-leaders to do their best work.

Better outcomes for finance teams in these organizations will result in more, better and faster delivery of education, healthcare, senior care, clean water, affordable housing, public safety, transportation and overall community health and quality of life. However, these teams have not historically been provided with modern solutions that create the time and visibility required to make swift and accurate decisions. DebtBook was purpose-built to help improve the integral operations of these complex organizations to deliver these critical outcomes.

As the CEO of DebtBook, Tyler is committed to building the best-in-class software solutions that our government and non-profit finance teams deserve. The configurable solution helps treasurers and accountants in public finance streamline their entire debt management processes, from data management, payments, accounting and financial reporting, disclosure, tax compliance, and proceed spend-down management. By equipping these teams with innovative tools to power their organizations, DebtBook is improving the way public finance works for all of us.

Erwin Tam was appointed Director of Financing at the California Housing Finance Agency (CalHFA) by Governor Gavin Newsom in September 2021. CalHFA is California’s statewide affordable housing lender dedicated to financing mortgage loans and downpayment assistance for first-time homebuyers and multifamily rental developments for low- and moderate-income Californians.

As Director of Financing, Erwin is responsible for CalHFA’s financial operations. This includes the controllership, investments and treasury management, capital markets, financial planning and analysis, annual budget, and financial risk management.

Prior to joining CalHFA, Erwin spent 20 years in municipal advisory and investment banking roles, most recently as Senior Vice President at Backstrom McCarley Berry & Co. in San Francisco. He has consulted on and structured over $18 billion of municipal bonds throughout his career across a variety of sectors including K-12/higher education, transportation, municipal utilities, and general government.

Erwin was recently honored by the Sacramento Business Journal with a 2024 C-Suite Award in recognition of his efforts at CalHFA. Erwin has a BA from the University of California, Berkeley in Economics and Environmental Science (Biological Science).

Dale Scott is the founder and CEO of WireSafe LLC, a cybersecurity platform designed to protect financial wire transfer instructions from increasingly sophisticated cyber threats. After witnessing the growing threat of cyberfraud targeting wire instructions in municipal finance, Dale created WireSafe to provide increased protection for financial institutions and public agencies.

With over 40 years of leadership in municipal finance, Dale has built deep expertise across the industry. He previously served as an investment banker on Wall Street, headed Wells Fargo’s Public Finance Department, and founded DS&C, one of California’s top municipal advisory firms. Under his leadership, DS&C has overseen more than $30 billion in transactions and earned national recognition, including The Bond Buyer’s Small-Issuer Deal of the Year and inclusion in Inc. Magazine’s Best in Business and as-one of the fastest-growing private companies in America.

WireSafe’s mission is to proactively defend the municipal finance community against evolving cyber risks in order to help maintain trust in public financial systems. Dale is the author of Win-Win: An Insider’s Guide to School Bonds and holds a degree from Harvard University.

Anton Aboukhalil is a Managing Director at Assured Guaranty where he leads AI Strategy and Transformation in Public Finance, to enhance operational efficiency and scale the business.

Prior to that, Anton led the Artificial Intelligence Center of Excellence at TIAA, where he helped drive the enterprise-wide “AI First” transformation. His team was responsible for AI Governance, Business Enablement, Innovation, Education, and Delivery of AI/ML solutions. Throughout his career he has spearheaded the delivery of AI/ML products and AI transformations in large financial institutions and startups, with close to a decade touching the municipal fixed income space.

Anton earned his Doctorate in Aeronautics & Astronautics from MIT, where he conducted research in data science and genomics at Harvard Medical School.

Karma Pemba is a Managing Director and Co-Head of the California K-14 Group of RBC Capital Markets, LLC. Karma has been in the financial service industry for over 17 years. Mr. Pemba’s expertise includes structing general obligation bonds, certificate of participation, revenue bonds, tax and revenue anticipation note, and student/workforce housing. Over his career, Mr. Pemba has completed over 200 financings totaling over $25 billion.

Mr. Pemba graduated with a Bachelor of Business Administration from Baruch College and a Master of Business Administration from Fordham University. He is currently registered with FINRA with Series 50, 52, 63 and 79.

Oscar works as a director within the Americas Public Finance team’s U.S. States and Transportation Group. He began his work with S&P as an analyst within the local governments group predominately covering cities, counties, and school districts. Oscar’s portfolio includes credit analysis for the states of California, Florida, Indiana, New Jersey, and previously Alabama, Hawaii, Idaho, Louisiana, Missouri, North Dakota, Oklahoma, Oregon, Texas, and Washington.

Prior to joining S&P, Oscar served as a policy analyst for a member of Texas House of Representatives working on a broad legislative portfolio, including energy policy, public education, water policy, transportation, and criminal jurisprudence.

Oscar graduated from the University of Notre Dame with a Bachelor of Business Administration in Finance. He also holds a Master of Public Affairs from the Lyndon B. Johnson School of Public Affairs at the University of Texas at Austin.

Michael Osborn covers a diverse portfolio of colleges and universities as well as a variety of not-for-profit organizations primarily in the Midwest and Western United States.

Michael has authored various sector related publications, including the Higher Education Outlook and extensive research on the impact of cyber security in higher education. His higher education experience extends to time spent in banking and working directly for a small liberal arts college.

Michael was a Vice President in the Education and Not-for-Profit practice at Wells Fargo Bank. He was also the Senior Director of Admissions and Financial Aid at a private college. Michael holds an MBA from Fordham University and a BA from Michigan State University.

Katherine Newman became the Provost and Executive Vice President of Academic Affairs at the University of California in January of 2023. She was simultaneously appointed as the Chancellor’s Distinguished Professor of Sociology and Public Policy at UC Berkeley.

Dr. Newman is the chief academic officer of the University, working closely with all ten campuses of the nation’s largest and most accomplished public research university. She is the author of sixteen books on topics ranging from technical education and apprenticeship to the impact of tight labor markets on the economic and social mobility of the nation’s working poor. She has served as the Forbes Class of 1941 Professor of Sociology and Public Affairs and Director of the Institute for International and Regional Studies at Princeton, the founding Dean of Social Science at the Radcliffe Institute of Advanced Study and the director of Harvard’s Multidisciplinary Program on Inequality and Social Policy, where she served as the Malcolm Weiner Professor of Urban Studies in the Kennedy School of Government.

In her capacity as system wide provost, and in collaboration with the University’s new President, James Milliken, Dr. Newman is developing new models of higher education that aim to improve the competitiveness of UC graduates in the California labor market, expand the possibilities of system-wide programs that benefit from the “power of ten,” bolster the university’s ability to attract international talent, increase opportunities for the commercialization of faculty discovery research, and deepen an already historic dedication to the upward mobility of low income, first generation students.

Paige Litten joined the Public Finance team at Assured Guaranty in March of 2024. Prior to joining Assured, Paige spent about 8 years working on the syndicate desk at Citi where she was responsible for pricing negotiated new issue securities in the municipal bond market. While Paige underwrote credits spanning a variety of sectors and across the credit spectrum, she primarily focused on housing, healthcare, and taxable transactions. Away from her day-to-day responsibilities at Citi, Paige was a senior mentor in Citi’s Women’s Mentorship Program and was co-head of Citi Women in Public Finance. Paige is excited to bring this background into her new role at Assured Guaranty, as she works to market AG’s product and expand the business in the primary market. Paige graduated magna cum laude from Colgate University where the received a BA in mathematical economics.