Phillip Millman is a seasoned finance executive, QFE, and board member with over 30 years of experience across the public and private sectors. His expertise spans the entire financial ecosystem, including capital markets, mortgage-backed securities, and government oversight. He is a financial innovator and has used his significant expertise to save over $4.5 billion through advanced risk management and recovered $27.1 billion as he led the business aspects of the government's largest plaintiff-side litigation. He played a pivotal role in drafting regulations required by the Dodd-Frank Wall Street Reform Act. Phillip is a financial expert with diverse experience including residential and commercial backed mortgage securities, real estate, life cycle of loans, and the litigation of these products. He has experience guiding technologies like AI, blockchain, and cryptocurrency from both a risk management and legislative perspective. He currently serves as an officer of the National Treasury Employees Union, Chapter 343, and on the editorial board of the Structured Finance Association’s industry journal. As an advisor at the Federal Housing Finance Agency (FHFA), Phillip evaluates macroeconomic, market, technology, and legislative risks that would affect FHFA, Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. He analyzes trends in commercial real estate and mortgage-backed securities, as well as technological advancements such as AI and blockchain. He has overseen distressed assets and contributed to legislative efforts, including serving as a subject matter expert on the House Financial Services Committee. Phillip brings a wealth of experience from prestigious financial firms and has excelled in credit management, market analysis, and product development. At E*TRADE Financial, he led a $4.5 billion credit portfolio, innovated risk monitoring systems, and reported to the Board. At Fannie Mae he helped to price new mortgage products for secondary market execution. He spent over a decade working for Wall Street firms including UBS Warburg LLC, PWC, Deutsche Bank, Merril Lynch, Bear Stearns, and Solomon Brothers. Phillip holds a B.A. in Economics from the University of Chicago. He is a distinguished finance professional and has been awarded twice with the FHFA Distinguished Service Award. His speaking engagements include prominent industry events like Citibank’s Financial Services Equities Roundtable. Outside of his finance career, he pursues fiction writing and enjoys strategic board games.