Meredith Whitney is the CEO of Meredith Whitney Advisory Group, LLC, a macro and strategy-driven investment research firm. Well followed for her core research, Ms. Whitney and her team also focus on a broad section of financials including large, small, and mid-size banks, brokers, independent commercial and consumer finance companies. Prior to founding Meredith Whitney Advisory Group, Ms. Whitney was a Managing Director and Senior Financial Institutions Analyst for Oppenheimer & Co. Inc. Throughout her tenure at Oppenheimer, Meredith was most noted for her research on the ultimate decline in home prices, the future of the US mortgage industry, and the consumer lending market, including specific focus on the credit card industry. In 2007, she wrote prolifically on the threats surrounding the weighted influence of the rating agencies on regulatory capital determinants and the risks of the monoline insurers on financial institutions. In 2006, Ms. Whitney presented to the FDIC on the U.S. consumer and the risks in the sub-prime market. Previously, Ms. Whitney worked as a financial analyst at Wachovia Securities, CIBC World Markets, and Oppenheimer. In 2009, Ms. Whitney was named as one of Time Magazine’s list of 100 “World’s Most Influential People” and was ranked the #1 Investment Analyst in her category by The Wall Street Journal. Also in 2009, Ms. Whitney was named one of Fortune’s Top 50 Most Powerful Women, for the second consecutive year. In 2008, Ms. Whitney was named The Wall Street Journal’s 50 Women to Watch, Smart Money’s Power 30, and Crain’s 40 Under 40. Ms. Whitney was also ranked in Institutional Investor’s 2008 All American Research Team. Ms. Whitney graduated with honors from Brown University. She currently serves on the Board of Trustees of The Lawrenceville School.