About Bill Kelvie

Bill KelvieBill Kelvie is currently the founder of the Innovation and Workforce Discontinuity Initative. He also serves as an advisor to technology start-ups.
In prior years he served as a management consultant, Chief Information Officer and entrepreneur, including: Chairman and Founder, Overture Technologies (2000 to 2011). Kelvie founded Overture Technologies to provide advanced technology to address complex financial decisions such as approving a mortgage loan or paying for college. Overture has worked with leaders in both arenas including Freddie Mac, The Hispanic National Mortgage Association, and Wells Fargo in the Mortgage sector and the University of Pennsylvania, The College Board and HESC in higher education.

Executive Vice President and Chief Information Officer, Fannie Mae, (1990 to 2000). Under Bill’s leadership as CIO, Fannie Mae set a goal of reducing the credit risk and cost to originate a mortgage through advanced technology such as Desktop Originator and Desktop Underwriter. These applications incorporate expert systems and the internet to eliminate paper and provide more accurate loan decisions to borrowers and lenders. Kelvie’s leadership was recognized and described in Jim Collins’s book Good to Great.

Management Consultant, Nolan, Norton & Company, a division of KPMG (1981 to 1990). As Managing Partner of their financial services practice, Kelvie developed information technology strategies for leading investment and commercial banks in the United States and Europe. In all, he served over thirty financial institutions, providing assessments of current capabilities, and technology strategies linked to business direction as well as technology architectures.

Bill has served on a number of boards including Move.com, the leader in residential real estate. Additionally, he has served as a member of FINRA’s advisory board for electronic markets and trading. Bill has a master’s degree from Trinity College and a bachelor’s degree from Tufts University.

Selected Awards and Recognitions:

The Renaissance CIO Project: the Invisible Factors of Extraordinary Success – Authors James Moffat Spitze and Judith J. Lee, published in the California Management Review of the Haas School at Berkeley. The authors identified fourteen CIO’s who have led the profession over the last three decades to determine common factors in their success.

The Computerworld/Smithsonian Award for Technology Excellence:

Awarded in 1998 for the first internet originated mortgage. Finalists from prior years included Desktop Home Counselor, a tool to assist counseling first time homebuyers in the language, financial aspects and responsibilities of homeownership.


About Joe Smialowski

Joe SmialowskiJoseph (“Joe”) Smialowski is currently the founder of The Innovation and Workforce Discontunity Initiative, and Chairman of the Nantucket Data Platform.

Before his retirement in 2014, Joe served as the Chief Data Officer for Citigroup. In this role, he provided leadership for the company’s focus on data management in support of its business strategy and regulatory reporting requirements, as well as its efforts related to “Big Data” technology.

Prior to Citi, Joe was an Executive Vice President of Freddie Mac, where he was responsible for the company’s technology, single and multi-family mortgage purchasing and servicing, securities issuance and servicing, REO and capital markets operations units. He joined the company in December 2004 and served in this capacity until December 2007.

While at Freddie Mac, Joe served as a director of Sirva (“NYSE” listed), trustee of Merrimack College and Chairman of Year Up NYC. He has also been a member of National Academy of Science study teams, with the most recent being reviews of the FBI’s Information Technology Modernization program and the nation’s effort to improve voting technology as mandated by the Help America Vote Act (“HAVA”).

Prior to joining Freddie Mac, Joe was Executive Vice President of FleetBoston Financial and member of the Office of the CEO. His responsibilities included information technology, operations, corporate real estate, and supply chain management for Fleet’s consumer, small business, private banking, asset management, commercial, corporate, cash management and capital markets businesses. With Bank of America’s acquisition of Fleet Boston Financial, Joe played a leadership role in the integration of the two companies.

Before joining Fleet Boston in 1998, Joe was Senior Vice President and Chief Information Officer for Sears, Roebuck and Co and had responsibility for managing the information systems function to support all of the company’s business units. During his tenure at Sears, he served on the board of Advantis, an IBM-Sears joint venture, was the Chairman of the National Retail Federation’s Information Technology Council and was active in industry standards committees, most notably the Voluntary Inter-Industry Standards Committee (VICS).

When Mr. Smialowski joined Sears, he was a partner in the firm of Price Waterhouse where he served from 1984 – 1993. His responsibilities included a management Consulting practice that focused on operational and technology issues affecting retailers. His clients included many of the leading retailers in the US, Canada and Mexico, as well as key technology and service providers to the retail industry.

Early in his career, Mr. Smialowski held management positions at Dennison Manufacturing (1983 – 1984), Xerox (1974 – 1983) and The Hartford (1972 – 1974).

He is a graduate of Merrimack College with a BA in Philosophy and received an MS in Computer Systems Management from the Rochester Institute of Technology.