10-19-2023 Fintech Presents: NeoBanks, Digital Economics, and Regulation in the Banking Industry

Thursday, 4:00 pm - 6:00 pm

Zoom Meeting


AJ Mildenberg, CFA, CAIA - Vice President of Finance & Operations, Dibbs

Arturo Gonzalez, Ph.D – Director, NERA Economic Consulting
Min Zhang, CFA – Founder, ConsciousCo.

Agenda: 4pm-5:30pm: Fireside Chat
5:30-6pm: Q&A Session
Add to Calendar 10/19/2023 4:00 PM 10/19/2023 6:00 PM America/Los_Angeles Fintech Presents: Neobanks, Digital Economics, and Regulation in the Banking Industry Zoom Meeting CFALA info@cfala.org false MM/DD/YYYY

A Fintech Advisory Council Sponsored Event 


Join us for an engaging discussion with industry experts as we explore the evolving landscape of NeoBanks and the regulations shaping the digital banking industry. Gain insights into the emerging trends, challenges, and opportunities within the NeoBank sector, as well as the regulatory framework and macroeconomics that governs their operations.

The CFA Society of Los Angeles presents an exclusive event focused on NeoBanks and the regulatory environment in the banking industry. This event will bring together experts from both the financial and regulatory sectors to delve into the intricacies of NeoBanks and their relationship with the ever-evolving regulatory landscape.

NeoBanks, also known as digital banks or branchless banks, are disrupting the traditional banking model by providing innovative financial services through digital platforms. As these digital natives gain prominence, it becomes crucial to understand the regulatory framework governing their operations. During this event, our panel of experts will provide in-depth insights into the following topics:

● Emerging trends in the digital banking space and their impact on the overall banking industry
● Regulatory challenges and opportunities for Digital Banking
● Technological advancements driving digital banking innovation
● The role of consumer protection laws and customer data privacy
● How NeoBanks are addressing compliance and risk management in an increasingly digital world
● Furthermore, our esteemed panelists will analyze the benefits and limitations of the NeoBank model, exploring its potential to enhance financial inclusion, improve customer experience, and drive greater transparency in the banking sector.
● The impact of FedNow on the digital banking landscape

Whether you are a finance professional, industry enthusiast, or simply seeking to stay informed about the latest developments in the banking industry, this event promises valuable insights and networking opportunities.

Don't miss your chance to engage with experts in the field and gain a comprehensive understanding ofNeoBanks and their relationship with banking regulations. Register now to secure your seat at this highly anticipated event!


AJ Mildenberg, CFA, CAIA | AJ is a CFA and CAIA Charterholder with over a decade of experience in the financial services industry. He is currently the Vice President of Finance & Operations at Dibbs, a Los Angeles based Web3 fintech company. In this role, he is responsible for leading the finance team, developing and executing financial strategies, and managing operations.

AJ is also a passionate mentor and advocate for diversity and inclusion in the financial industry. He was elected to be the Chairman of the Fintech Advisory Council for CFA Los Angeles and has volunteered as a mentor in the CFALA mentorship program for the past several years.

Prior to Dibbs, AJ led the finance team at FarmFundr, an equity investment platform for real estate development projects. He also worked in data analytics and consulting at Wilshire Associates. AJ holds a Bachelor of Arts degree in Political Science and a Bachelor of Arts degree in Economics from the University of Southern California. Back To Top ^^


Arturo Gonzalez, Ph.D | Arturo Gonzalez Director at NERA in the Energy, Entertainment, Communications and Internet practice. A PhD economist, he has over two decades of experience in academia, government, and industry, including senior leadership positions at the Board of Governors of the Federal Reserve System, Meta, and Visa. He has also held notable positions at the Office of Comptroller of the Currency (U.S. Treasury), Ernst & Young, and the Public Policy Institute of California. Arturo is an economics expert in the areas of Technology (AI, data, the Internet), Markets (IP, competition and regulation), Financial Services (FinTech, fair lending, anti-money laundering). Along with a strong academic publication record, Arturo’s academic achievements include receiving tenure at the University of Arizona and research affiliations with IZA (Bonn, Germany) and Carlos III university (Madrid, Spain). Arturo serves as an official Member of the University of California, Santa Barbara Alumni Board of Directors and the Dean’s Advisory Board of the Clinton School of Public Service. He has been recognized over the years for his accomplishments, including by UCLA Anderson School of Management & The Richard Riordan Programs (2022 Riordan Hall of Fame inductee & 2017 Legacy Award recipient). The University of California, Santa Barbara awarded Arturo the Lancaster Dissertation Award for the best Social Sciences dissertation. Back To Top ^^

Min Zhang, CFA | Min Zhang, CFA, founded ConsciousCo, an AI content creation platform that aims to reduce the environmental footprint of human activities. One of AI chatbots under development is designed to offer affordable financial advice and referrals to everyone.

Previously, Min cofounded a neobank that aimed to protect savers in emerging markets against severe currency devaluation. She had over 15 years of experience in investment, marketing, and product management at Goldman Sachs, PIMCO, Pacific Life, Causeway Capital, Lehman Brothers, Nutmeg, and her wealth-tech startup Totum Risk.

Min earned an MBA from Stanford Graduate School of Business and an AB double major in computer science and economics with honors from Dartmouth College. She also holds the FINRA Series 7, 24, and 63 licenses and the Caltech AI and Machine Learning certificate. Back To Top ^^

Registration Fees
Free (Members) | $20 (Non-Members)

Payment Information
We accept the following:

If you prefer to pay by check please email info@cfala.org and request to pay by check. Your registration will be completed manually and you will receive an email confirmation.

Mail Check To:
CFA Society of Los Angeles
13400 Riverside Drive, Ste. 215
Sherman Oaks, CA 91423

*Credit card payments will only be accepted through the secure online registration, and not by phone or email.

Cancellations must be received in writing by 9:00 am the day prior to the event to receive a refund. No phone cancellations are accepted. Please e-mail info@cfala.org.
AJ Mildenberg, CFA
Event Chairs:
Max Seeget, CFA
As a participant in the CFA Institute Approved-Provider Program, the CFA Society of Los Angeles has determined that this program qualifies for 1.5 credit hour. If you are a CFA Institute member, CE credit for your participation in this program will be automatically recorded in your CE Diary.
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