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ABOUT NAAAP PHL
Board and Officers
Women In NAAAP
Non-Profit Relations
Ping Cao
Robert Half Management Resources - Vice President
Ping's background is in Big 4 Accounting (EY and KPMG), and he brings over 15 years of corporate tax and finance management experience plus 6 years of client service and business development. He currently serves clients across industries, including financial services, healthcare, insurance, software, manufacturing, media, pharmaceutical, telecommunication, and not-for-profit.
Ping serves as Vice President for Robert Half's accounting and finance consulting division, Management Resources. Within this role, externally, he works with executive clients in the areas of accounting and finance on their senior-level hiring needs. Internally, he manages client relationships, marketing, and the implementation of strategies for revenue growth, as well as the development and execution of key strategic initiatives for his team's operations.
Ping is passionate about giving back to the community and is an active board member and volunteer of various local and national nonprofit organizations. He is also a mentor to students at Drexel, Penn State, Rutgers, and Temple and guides students in terms of their studies and internship opportunities.
Ping grew up in Philadelphia, and he is a graduate of Drexel University. He earned a Bachelor of Science in Business Administration with concentrations in Accounting and Finance at Drexel University, and he also has a Master of Business Administration with concentrations in Accounting and Business Management from the Keller Management School of Business. Ping is fluent in Cantonese and proficient in Mandarin. Ping met his wife on their first day of college. They live in Bucks County with their two children and their dogs, Max and Cody.
Cindy Ng
Evergreen Financial Partners - Co-founder and Partner
Cindy is the Co-founder and Partner at Evergreen Financial Partners. Drawing on over 25 years of corporate accounting and finance leadership experience, she is committed to building long-term relationships and helping individuals, families, and business owners reach their financial goals. Evergreen Financial Partners is a proud sponsor of NAAAP Philadelphia.
Prior to founding Evergreen Financial Partners, Cindy served as the chief financial officer (CFO) of mid-size privately held companies, where she focused on protecting assets, managing risks and securing the company's financial future. She has demonstrated success in building relationships and positioning enterprises for continued growth. Cindy was previously awarded CFO of the Year for medium-size companies by the Philadelphia Business Journal.
Born in Hong Kong, Cindy is fluent in Chinese. She has strong ties to Philadelphia where she attended the Wharton School at the University of Pennsylvania, began her career in Public Accounting, and earned her CPA designation.
Passionate about giving back to the community, Cindy co-founded the Greater Philadelphia Cantonese Academy, a not-for-profit Chinese language school based in Rosemont, PA and has served on its board for over 15 years. Cindy has served on the board of professional organizations and mentored young professionals and college students.
Cindy lives with her husband in Delaware County where they raised three children. She enjoys spending time with family and friends, doing outdoor activities, and traveling.
Tommy Choi
SVN | The Concordia Group - Director, National Corporate Real Estate Services
"Tommy serves as a Senior Advisor at SVN | The Concordis Group, as well as, a Director with SVN's National Corporate Real Estate Services team. He posses over eight years of experience, with the last four in exclusive tenant representation and advisory.
A licensed real estate professional, Tommy focuses on office and industrial tenant representation, property sales, and strategic planning. Some of his corporate and government clients include Medtronic, Benefits Data Trust, Pennsylvania Lumbermens Mutual Insurance Company, LapCorp, Aegis Project Controls, Iroko Pharmaceuticals, Philadelphia Gas Works, Philadelphia Housing Authority, Urban Affairs Coalition, and more. Tommy's experience also includes advisory in the new FASB & IASB lease accounting standards that will be taking effect in 2019.
Tommy is a graduate of Temple University, earning a Bachelor of Science in Architecture and Bachelor of Business Administration in Marketing. During his undergraduate studies, he was a member of the men's lacrosse team.
Tommy is multilingual, fluent in both Mandarin and Cantonese."
Dayi (Miriam) Shou
Director, Professional Development
PwC - Digital Risk Solutions Director
"Miriam has over 12 years of experience as a data, analytics, and automation specialist in the Digital Risk Solutions practice at PricewaterhouseCoopers. She specializes in providing insight into challenges that client face today. Utilizing the latest tools in data mining, visualization, and robotics, she helps clients explore data and easily digest complex information. She provides clients a path to repeatable solutions, self-service BI, and standardized data methodologies that can be leveraged across platforms. Miriam has helped clients across multiple industries develop strategic long-term data analytics vision, implement repeatable procedures through automation that improves productivity and reduces costs, construct key performance metric definition and reporting, and address compliance with handling of high risk and sensitive data.
As a recipient of the United Way 2017 Women's Leadership Initiative Next Generation Leader Award, Miriam serves as the Philadelphia Pan Asian Community leader and Risk Assurance Women's Committee Program Leader at PwC. She sits on the Board Development Committee for Girl Scouts of Eastern Pennsylvania and Executive Committee for National Association of Asian American Professionals Philadelphia Chapter. Miriam graduated from Pennsylvania State University Smeal School of Business with a Bachelor of Science in Management Information Systems."
Yi Z. Lin
Vice President, Accounting & Finance Professional Development
Comcast - Director of Finance
Yi has lived most of his life in the Philadelphia area. He graduated from Central High School and studied Accounting and Economics at Temple University. He proceeded to work in Public Accounting (Grant Thornton) where he earned his CPA. He continued his corporate career at Comcast, working in the accounting group for the first 3 years and then moving into Finance Operations (6+years). He currently lives in Montgomery County with his wife and two children.
Viviana Yang
Vice President, Accounting & Finance and Professional Development
Business Operations Executive
Viviana is a high-energy, enterprising, tenacious Business Operations Executives with years of expertise leading process and performance improvement strategies that had enhanced fiscal target, community/client relationship, and realizing cost savings. She enjoys Strategic Planning to drive operational efficiencies and effective spending. She is multilingual in English, Spanish, Mandarin Chinese, and Taiwanese.
Noel Abejo
Vice President, Public Relations
Wells Fargo - Vice President, Technology Manager
Noel is a Technology Manager in Technology Infrastructure at Wells Fargo with 25 years in a leadership role. He is a graduated with a Bachelor in Information Science from Widener University and a Master's degree in Computer Information Science from La Salle University.
Noel is a Board Member of Asian American Chamber of Commerce in Philadelphia, President of the Peirce Alumni Association Board, and a Board member of the Philadelphia Dragon Boat Association. Within Wells Fargo, Noel is the Chair of Wells Fargo Site Diversity Team.
Vice President, Communications
Ellen Longo is the Vice President of Communications for NAAAP, Philadelphia Chapter. She is a highly accomplished and creative communications leader with a track record in branding, corporate positioning, crisis communications, executive communications, developing strategic messaging, social media engagement, media outreach, and launching products, services, and corporate social responsibility programs. Furthermore, she is experienced in coaching senior executives prior to media interviews and speaking engagements. She is adept at organizing and marketing large and small events (20-500 people).
Erica Chen
Erica Chen has over 8 years of experience in advertising. For the past two years, she has been a community manager at WeWork managing sales, operations and events. Her past employers include LivingSocial, LMO Advertising, MOD Worldwide, and Bank of America. Erica had joined NAAAP Philadelphia in 2009 as the Director of Member Services and helped the chapter nationally win Membership Growth of the Year in 2010.
Yoon-Na Cho
Vice President, Marketing
Villanova University - Assistant Professor, Marketing
Yoon-Na is an Assistant Professor at the Villanova School of Business. Somewhat of a nomad as a child, spending her early life immersed in a range of cultures and ways of thinking – both in the US and Korea – she believes that the NAAAP is a place in which the voice of every individual can be heard and embraced to achieve true inclusiveness. Her research is dedicated to enhancing consumer welfare in an effort to contribute to society in a positive way.
Kevin He
WuXi AppTec – Marketing Manager
Kevin grew up in Philadelphia and attended Penn State University, earning both a bachelor degree and MBA. He has over a decade of sales and marketing experience in the financial, industrial gas, and bio-pharma industries. He has specialized in collaborating with executive teams on strategy development and solving complex business problems. Currently, Kevin is a marketing manager at WuXi AppTec supporting the Advanced Therapy Unit. Kevin is passionate about diversity and inclusion. Over a decade ago, he co-founded a non-profit mentorship program that serves a local elementary school where most of the students are from first-generation immigrant families, here in Philadelphia. He remains an active mentor in the non-profit. Prior to joining WuXi AppTec, he co-founded and chaired an ERG for Asian American employees at Air Products. Kevin lives with his beautiful wife, two little boys, and their lovely dog in Huntingdon Valley PA.
Anna Li
Director, Marketing
Trion – Internal Communications Specialist
Anna is an internal communications specialist at Trion, a Marsh & McLennan Agency. In her role, she works with internal stakeholders to develop and execute communication plans to enable greater collaboration and engagement between employees. Previously, Anna worked as a marketing communications specialist for DuPont, handling internal and external communications, product marketing, and change management. She holds a Bachelor's degree in Marketing from Villanova University and is currently working on her MBA at Temple University.
Caleigh McGrath
Drexel University - Undergraduate
Caleigh McGrath is a senior Marketing major at Drexel University and Strategic Planning Co-op at Comcast. Her favorite part about work is getting to be creative, and she loves working with digital marketing. She's also passionate about championing DE&I in the workplace and is a proud member of NAAAP Philadelphia.
Catherine Rheault
Director, Social Media
Temple University – Undergraduate
Catherine Rheault is a junior at Temple University studying Management Information Systems while also pursuing a minor in Accounting. She joined NAAAP in 2019 and is responsible for NAAAP PHL's social media platforms and collaborating with the Marketing team. In her free time, she enjoys spending time with her friends and family, staying active, and exploring new places.
Shawn Samuel
Comcast - Senior Manager
Shawn is Senior Manager of Marketing Operations with Comcast, XFINITY Mobile. Shawn is responsible for the Go to Market activities for Xfinity Mobile and for executing marketing efforts to gain new customers and maintain current subscriber base. Previously, Shawn has worked for Deloitte, Rohm & Haas company (now Dow Chemical) and McNeil Consumer & Specialty Pharmaceuticals. Shawn holds an International MBA and Masters in Marketing from Temple University and a Bachelors in Business Administration from Drexel University. Shawn was one of the founding committee leads for Asian Pacific Americans employee resource group and currently serves as the APA Lead. He enjoys teaching and giving back to the community that helped raised him.
Sabrina Wang
Sabrina Wang has 6+ years of experience in marketing and market research across the CPG and retail landscape. Currently she is a Senior Manager of Marketing Strategy & Planning at Comcast. Before Comcast, she was at Nielsen with clients such as Walmart, P&G, and Johnson & Johnson She holds a B.A in Political Economy and a B.S in Business Administration from UC Berkeley. In her spare time, she likes biking around town with her husband, eating all the foods, and trying to win at all costs playing board games.
Joel Catindig
Vice President, Memberships
Independence Blue Cross – Manager, Internal Communications and Engagement
Joel Catindig is a creative leader with twenty plus years of experience in design and visual communications. Most recently manager of internal communications and engagement at Independence, Joel provides oversight of internal communications across the family of companies. Joel actively supports the company's diversity and inclusion efforts and is a co-founder of imPACT, the Asian American Pacific Islander business resource group. He serves as a board advisor for the Asian American Chamber of Commerce of Greater Philadelphia and serves as an officer for the National Association of Asian American Professionals (NAAAP) Philadelphia Chapter. Joel had previously worked at Cendant Corporation, a business and consumer services company, in various creative roles, supporting such brands as Avis, Budget, Wyndham Worldwide, Century 21 Real Estate, and Cheap Tickets. Previous experiences include positions at various design agencies. Joel attended Rutgers – Camden with a major in Fine Arts. He enjoys spending time with his kids and their various activities. Joel is an active endurance athlete who has participated in numerous Ironman Triathlon events.
David To
Independence Blue Cross – Senior Project Manager
David is a Senior Project Manager at Independence with over 14 years of experience in providing solution-driven results for his clients. As a certified Project Management Professional (PMP), he oversees projects involving various areas of the business, manages project teams, and regularly communicates with senior management to meet company objectives. David is also actively involved in Independence's diversity and inclusion initiatives and co-founded its Asian American Pacific Islander associate resource group, imPACT. Outside of work, David enjoys exercising, trying new restaurants, and spending time with his family. He graduated from Drexel University with a Bachelor's degree in Information Systems and a minor in Business Administration.
Lucy Zhang
Director, Operations
City of Philadelphia - Workforce Development Fellow
Lucy is a Program Manager at The Wharton School, University of Pennsylvania, where she manages the delivery of both open-enrollment and custom executive education programs. She received her M.A. in Finance from Peking University and is a certified Financial Risk Manager. She previously worked at the City of Philadelphia and ICBC, the largest bank in China. Lucy is excited to be a part of the NAAAP PHL Leadership Team and enjoys the opportunity to contribute her experience and knowledge to the Asian community.
Jay Liang
Vice President, Finance & Treasury
TD Bank - Quantitative Analyst
Jay Liang is a quantitative analyst at TD Bank. He graduated from Temple University with a master degree of Financial Analysis and Risk Management. Previously he was an adjunct instructor in Finance master program in Temple University. In his spare time, he likes snowboarding, hiking, working out, reading, and watching movie. He is also passionate in exploring different culture and travelling with friends.
Lan Ngo
Vice President, Information Technology
Comcast - Project Manager/Scrum Master
Lan Ngo is a technical project manager who is responsible for the development and maintenance of software applications used across business functions within Comcast. In her previous career, she spent over a decade as an educator, researcher, and a higher education administrator. She is a published writer and creates digital resources to increase access to education. She enjoys giving back to the community by mentoring and volunteering. Lan serves on the Board of Directors of Asian American Women's Coalition, an entirely volunteer-run nonprofit in Philadelphia. She earned a BA in economics from Stanford University, an MA in teaching from Columbia University, and a PhD in education from the University of Pennsylvania.
Annie Chung
Vice President, Collegiate Relations
Penn Medicine - Senior Research Coordinator
Annie Chung is a Senior Research Coordinator at the Center for Health Behavior Research at the University of Pennsylvania Perelman School of Medicine. She earned her bachelor's degree in Health and Societies at UPenn with a concentration in public health. With over ten years of health research experience in the Department for Clinical Epidemiology and Biostatistics, Annie has conducted both behavioral and clinical research in prostate cancer intervention, health informatics, obesity, asthma, and bone health. Her research interests focus on reducing health disparities through preventive and community health intervention.
Kristy Li
Vice President, Women in NAAAP (WIN)
Independence Blue Cross - Underwriter
Kristy graduated from Temple University with a Bachelor Degree in Risk Management and Insurance. Upon her graduation, Kristy started at Keystone Mercy which is now AmeriHealth Mercy where she was a Claim Examiner. After several years, she joined Independence Blue Cross as their Large Account Underwriter and is responsible to retain accounts where there are over 100+ employees companies within the five-county areas. Outside of work, she loves to do creative writing, drawing and painting. She is an aspired writer where she hopes that one day she can publish her work. Kristy joined NAAAP so that she can meet and connect with people with diverse background.
Diane Nguyen
Cotiviti - Payment Accuracy Specialist
Diane is a payment accuracy specialist at Cotiviti, a provider of analytics-driven solutions in the healthcare industry. In this role, she enjoys collaborating with teammates to develop process improvements. In her spare time, she likes traveling, trying new foods and recipes, and spending time with her friends and family, especially her dog, JP! Joining NAAAP in 2017, she has experienced first-hand its ability to help young Asian-American professionals develop their own leadership and professional capabilities and looks forward to helping others cultivate these skills
David Chan
ECA Recruiters - Managing Partner
David's career has primarily been in the healthcare industry in such roles as new business development, account management, customer relationship management and most recently both talent acquisition and career development. Graduating with his Bachelor's degree, he was initially recruited to join Marion Laboratories, one of Fortune Magazine's "America's most admired companies" in a professional pharmaceutical sales career. After winning numerous regional and national sales awards, being selected as a regional trainer and management development candidate, he continued his career selling surgical implants and capital equipment for Allergan and Picker Medical to some of our nation's most prestigious academic institutions and surgeons in the Philadelphia region. He transitioned his career to an executive recruiter over a decade ago joining ECA Recruiters, a firm with nearly four decades of history of placing sales people and sales managers nationwide. In this role, David has developed dozens of Fortune 500 and start up clients, placed hundreds of individuals in new careers throughout the nation and is often a confidant and resource to those individuals seeking career guidance. David is also a very active community leader. He's a current board member of the National Association of Asian American Professionals, Philadelphia Chapter.
For over a decade, he's also been a volunteer leader with the Boy Scouts of America – Cradle of Liberty Council holding many roles, including an executive board member, Council Advancement Committee Chairman and an Assistant Scoutmaster. David also volunteers his time coaching community based baseball and football youth programs.
Alice Fei
Comcast - Vice President Human Resources - Organizational Capability
Alice is currently a Vice President of Human Resources focusing on Organizational Capability for Comcast Cable Headquarters in Philadelphia. In this role Alice is focused on organizational design, structure and optimization of the workforce by linking business strategies to the people processes and people interactions that accelerate collation and drive organizational effectiveness.
Prior to this role Alice was the Human Resources Business Partner for Cable HQ Content Acquisitions, Finance, Human Resources, and Military Affairs where she designed people strategies across these teams through talent management planning, diversity strategies and succession planning.
Alice also spent time leading HR for Comcast Spectacor whose core businesses include the Wells Fargo Center arena and complex, as well as a portfolio of professional sports teams that include the NHL's Philadelphia Flyers. Additionally, Alice led HR for Spectra, a Hospitality firm specializing in Venue Management, Food Services & Hospitality.
Alice was born in Taipei, Taiwan before her family immigrated to the United States. She grew up in Salt Lake City, Utah and has been in the Philadelphia area for almost 20 years.
Tom Fung
Temple Fox School of Business - Professor
Tom is an Assistant Professor of Instruction in the Department of Marketing and Supply Chain Management at the Fox School of Business, Temple University. Prior to his appointment at Temple, Tom served as Director of the M.S. Global Fashion Enterprise Program for 3 years at Philadelphia University.
Tom developed a plethora of eclectic interests over 29 years working in the consumer packaged goods industry. Travel is perhaps part of his DNA, as international assignments with Campbell Soup Company had taken him to Europe and Asia. Formerly, as Director of Operations for North American Foodservice Division, Tom managed all aspects of the supply chain, with direct impact to profit and loss. His corporate experience ranged from engineering, packaging, and operations management to strategic planning. He was a key liaison between product development and marketing, overseeing 30 manufacturing plants, supporting commercialization, business continuity planning, capital budgeting, technology assessment, and lean manufacturing practices.
Tom has a BS in Chemical Engineering from Rensselaer Polytechnic Institute; MBA from Temple Fox School of Business, and MS in Organizational Dynamics from the University of Pennsylvania. He has served on the Temple University CIBER (Center for International Business Education & Research) Advisory Board, and was formerly the President of the Institute of Industrial Engineers of the Delaware Valley South Jersey Professional Chapter
Tom's vision for NAAAP Philadelphia is promoting inclusion and innovation. Inclusion is not the mother of invention, but rather the catalyst for innovations; diversity is a fundamental business strategy. Innovation is a process that involves teamwork and continuous collaboration through social interactions. The more diverse of a team being built, the higher the probability of success. NAAAP Philadelphia can provide such a platform for all us to grow, both professionally and interpersonally. "None of us is as smart as all of us."
Ari Karpf
Karpf, Karpf & Cerutti, P.C. - Managing Partner
Ari Karpf is the managing partner of a multi-office law firm overseeing litigation in New York, New Jersey, and Pennsylvania. He is based in Bucks County, Pennsylvania. He is licensed by the highest Courts in each of these three states, and he is also licensed to practice before the Third Circuit Court of Appeals, the U.S. Court of Appeals for the Federal Circuit, and four other district courts.
Ari's legal focus throughout his career has been in the areas of employment and civil rights litigation. While continually representing corporations during his legal career, he has primarily represented individuals. Common areas in which he litigates include but are not limited to: class-action wage litigation, executive and business-related contracts, corporate compliance and OSHA violations, WARN Act violations, discrimination, wrongful termination, whistleblowing, FMLA, ERSIA, labor regulations, and on a select basis, litigation against municipalities, police departments, or governmental agencies for violations of individual civil rights. He also regularly appears before agencies such as the Department of Labor, Equal Employment Opportunity Commission, Pennsylvania Human Relations Commission, National Labor Relations Board, and the Division of Civil Rights.
Ari is a very accomplished trial attorney, and he has tried many cases as co- or lead-counsel throughout the tri-state area in state and federal courts. He currently serves as a co-coordinator of the Public Interest Panel for the United States District Court in the Eastern District of Pennsylvania. Therein, he serves as a mentor to attorneys in the greater-Philadelphia area seeking guidance or experience in the areas of civil rights and employment law(s) and assists coordinating pro-bono representation.
Ari is also a frequent author and lecturer. He typically authors publications for the Pennsylvania Bar Institute ("PBI") several times per year, and he frequently lectures at Continuing Legal Education seminars. He also has and continues to speak about corporate legal considerations, best business practices, and substantive legal issues at events hosted by the Society for Human Resources Management ("SHRM"). He has also been a guest speaker about corporate legal matters for the Greater Philadelphia Hotel Association and at Rowan University.
Peggy Kelly
Spectrum - President/Owner
Peggy Kelly joined Spectrum, A Certified Herman Miller Dealer, in March 2013 as President. Spectrum takes an innovative approach that transforms office workspaces. Before Spectrum, she came from Herman Miller, a leading furniture design firm based in Michigan where she spent three years, most recently as Vice President, Global Seating. Here she obtained experience setting direction for the seating division from inception of products globally to design and development to sales launch, marketing and sell through strategies for seating portfolio. Peggy has a proven track record building new organizations, achieving bottom-line results and developing talent. Peggy currently resides in the suburbs of Philadelphia.
Subarna Malakar
FMC Corporation - Director and Global Diversity & Inclusion Officer
Subarna is currently a Director and Global Diversity and Inclusion Officer for FMC. In this role, he is responsible for implementing Global D&I strategies and programs that are effective, sustainable, and achievable. In 2017, he was named 2017 DiversityMBA Top 100 under 50 Executive.
Prior to this role, he was a Vice President and Global Chief Diversity Officer for Ahold Delhaize, Fortune 200 company, where he established global Diversity & Inclusion Strategy, Ambition and Actions to support D&I. As a result of his efforts, Ahold Delhaize was awarded Top 25 Noteworthy Company from Diversity Inc and received 100% in Corporate Equality Index the from Human Rights Campaign. He was also the Head of Corporate Responsibly and Inclusion, Asia for Thomson Reuters, where he led corporate responsibility, sustainability and inclusion efforts for the Asia Pacific region. As recognition for his efforts, Thomson Reuters Asia received Diversity Strategy Award in 2014 from HR Excellence. He also received the Golden Globe Tigers: Leadership Award for Excellence in Corporate Social Responsibility for his leadership and strategy for Thomson Reuters.
Prior to Thomson Reuters, Subarna was with Unilever, based in Singapore and London where he led the global external diversity relations, global diversity and inclusion communications, global diversity learning and flexibility programs. Under his leadership, Unilever won the prestigious 2013 Catalyst Award along with the European Diversity Award 2012, the Women in Leadership: China's Most Friendly Employer 2012 and the WorkingMums.UK Employer of the Year Award 2012.
Prior to that, Subarna was a Workforce Diversity Director for Sodexo in North America, where he helped leaders develop and implement diversity and inclusion strategies for clients, customers and employees. He also provided strategic guidance to Sodexo's eight Global Employee Resource Groups and Cross Market Diversity Council. He was also responsible for the overall program management for Diversity Business Leadership Summit, a premier annual diversity event for Sodexo attended by the top executives and clients across the Fortune 500 companies and managed 16 employees and $2 million budget.
Interestingly, Subarna's career began in technology. He was previously a program manager for Marriott International, systems engineer for the Department of Defense and a computer intelligence specialist for the U.S. Army during Operation Desert Storm and Operation Restore Hope.
In the non-profit front, Subarna was an advisor to Nepa Nasa Pucha America, America Nepal Senior Community and America Nepal Society in Washington, D.C.
Subarna hold a Master's in Business Administration from Temple University, Fox School of Business and a bachelor's degree from the University of Maryland.
He was born in Nepal, grew up in the U.S., and currently lives with his wife and daughter in Moorestown, New Jersey.
Tracey Nguyen
Baker Tilly Capital - Principal
Tracey Nguyen is a Principal at Baker Tilly Capital, LLC, a wholly owned subsidiary of Baker Tilly Virchow Krause, LLP, a top 15 accounting and advisory firm. Tracey leads Baker Tilly's Real Estate Project Finance practice in the East Region and she specializes in tax credits and incentives, including Opportunity Zones, New Markets Tax Credits, Low-Income Housing Tax Credits, Historic Tax Credits, and state and local incentives. Tracey is also a member of Baker Tilly's National Diversity, Inclusion, and Belonging for Success (DIBS) Steering Committee.
Prior to joining Baker Tilly, Tracey was a senior vice president with a commercial real estate development firm and private equity real estate fund, where she was responsible for strategic planning and implementing corporate growth initiatives, as well as sourcing, structuring and executing debt and equity financing, and overseeing asset management for the firm's portfolio. Previously, Tracey was a partner at Cozen O'Connor, an Am Law 100 law firm in Philadelphia, where she focused her practice on commercial real estate and represented institutional and private investors, developers, REITs, lenders and borrowers in all matters of real estate, including acquisition, development, management, financing, leasing and sale. Tracey began her career in public accounting and also successfully completed the Pennsylvania CPA exam.
Tracey frequently presents nationally on the topics related to Opportunity Zones, Affordable Housing, and Community Development. She has been recognized by the Philadelphia Business Journal as a "40 under 40" winner and by Smart CEO Magazine as a Brava Award winner, which celebrates high-impact female business leaders.
Tracey earned her Bachelor of Science in Accounting and Bachelor of Arts in Communications from Villanova University and her Juris Doctor and Masters of Business Administration from Villanova School of Law.
Min Park
WuXi Advanced Therapies - Global Head of Marketing
Min Park is Senior Director, Marketing at WuXi Advanced Therapies, and is responsible for leading all aspects of global marketing efforts and inside sales. He has over 20 years of experience in the life sciences industry – spanning small molecule, large molecule, innovative technologies, and cutting-edge cell and gene therapies – across progressively senior levels of responsibility in marketing, business development, and executive leadership. With a history of notable successes in managing growth-focused global teams, he has a proven command of marketing, sales force effectiveness, marketing/sales integration, product and brand management, and strategy. Previous to joining WuXi Advanced Therapies, he held senior roles at Abzena, Catalent, Samsung Biologics, DSM, PDI, and Warner-Lambert. He holds a Bachelor of Science (B.S.), Business Administration in Marketing from Montclair State University, and is bilingual in English and Korean.
Lori Chen
JPMorgan Chase - Executive Director
National Association of Asian American Professionals - Philadelphia
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0.3 This brain-based sight of dependency has created substantial controversy, especially amongst individuals that appear able to assume just in polarized methods.
0.4 Many individuals likewise incorrectly still believe that medication dependency is simply a failure of will or of self-control.
A core principle evolving with clinical breakthroughs over the past decade is that medication dependency is a mind disease that creates gradually as an outcome of the initially volunteer behavior of making use of medications. (Drugs include alcohol.).
The repercussion is practically uncontrollable compulsive medication desire, looking for, and utilize that hinders, if not ruins, a person's functioning in the household and also in society. This medical problem needs official therapy.
• We currently recognize in great information the brain mechanisms where medications really change mood, memory, understanding, as well as emotional states.
• Utilizing drugs consistently in time changes mind structure as well as function in basic as well as long-lasting ways that could linger long after the specific quits utilizing them.
• Addiction happens through a range of neuro-adaptive modifications and the lying down and reinforcing of new memory connections in various circuits in the brain.
We do not yet know all the appropriate systems, yet the proof suggests that those resilient mind adjustments are in charge of the distortions of cognitive as well as emotional functioning that identify addicts, especially including the compulsion to utilize medications that is the essence of dependency.
It is as if drugs have highjacked the mind's natural motivational control circuits, causing substance abuse coming to be the single, or a minimum of the top, inspirational priority for the person.
Therefore, the majority of the biomedical area currently takes into consideration dependency, in its significance, to be a mind illness:.
This brain-based sight of dependency has created substantial controversy, especially amongst individuals that appear able to assume just in polarized methods.
• Lots of people erroneously still believe that organic as well as behavior explanations are alternative or completing methods to understand phenomena, when actually they are corresponding and integrative.
Modern science has educated that it is much too simplistic to set biology in opposition to habits or to match self-discipline versus mind chemistry.
• Dependency entails inseparable biological as well as behavioral parts. It is the ultimate bio-behavioral problem.
Many individuals likewise incorrectly still believe that medication dependency is simply a failure of will or of self-control.
The recognition that addiction is a mind disease does not suggest that the addict is simply a hapless sufferer. Addiction begins with the volunteer habits of using medicines, as well as addicts have to take part in as well as take some considerable duty for their recuperation.
• Thus, having this brain illness does not discharge the addict of obligation for his/her habits.
However it does discuss why an addict can not just quit using medicines by sheer force of will alone.
The entire principle of addiction has endured substantially from imprecision and also misunderstanding. If it were feasible, it would certainly be best to begin all over with some new, extra neutral term.
The complication happens in part due to a now antiquated distinction between whether certain drugs are "literally" or "mentally" addicting.
The distinction historically focused on whether dramatic physical withdrawal symptoms take place when a specific quits taking a medicine; exactly what we in the area currently call "physical reliance.".
• Nonetheless, 20 years of clinical research has actually educated that concentrating on this physical versus mental distinction is off the mark and also a disturbance from the real concerns.
From both medical as well as plan perspectives, it really does not matter significantly just what physical withdrawal signs and symptoms happen.
• Physical dependancy is not that essential, because even the dramatic withdrawal signs of heroin and alcohol addiction could currently be conveniently taken care of with ideal medicines.
• A lot more crucial, a lot of one of the most unsafe as well as addictive medicines, including methamphetamine and crack cocaine, do not produce really serious physical dependence signs after withdrawal.
What truly matters most is whether or not a medicine triggers what we now recognize to be the significance of addiction, namely.
• The uncontrollable, uncontrollable drug yearning, looking for, and usage, even in the face of unfavorable health and wellness and also social effects.
This is the essence of just how the Institute of Medication, the American Psychiatric Organization, and also the American Medical Organization define dependency and just how most of us need to use the term.
It is truly only this compulsive quality of dependency that matters in the future to the addict and to his or her family and that ought to matter to society in its entirety.
Thus, most of the biomedical community now takes into consideration addiction, in its essence, to be a mind disease:.
• A problem triggered by relentless adjustments in mind framework and function.
This causes uncontrollable yearning that bewilders all other motivations and is the origin of the substantial health and also social troubles connected with medicine addiction.
In updating our nationwide discussion on drug abuse, we ought to remember this easy meaning:.
• Addiction is a brain illness shared in the form of compulsive behavior.
Both establishing and recovering from it depend on biology, behavior, and social context.
It is likewise crucial to remedy the common misimpression that drug use, misuse and dependency are points on a single continuum along which one relapse and forth gradually, removaling from customer to addict, after that back to occasional customer, then back to addict.
Clinical monitoring and more formal research study studies support the sight that, when addicted, the person has relocated into a different state of being.
Preserving this extensive bio-behavioral understanding of dependency additionally talks to just what needs to be provided in drug treatment programs.
• Once again, we should beware not to pit biology against actions.
The National Institute on Drug Abuse's lately published Principles of Effective Medication Addiction Therapy provides a comprehensive conversation of just how we have to deal with all elements of the individual, not just the organic part or the behavior element.
Just like various other brain illness such as schizophrenia and clinical depression, the information reveal that the most effective medication addiction therapy approaches address the entire person, combining using medications, behavioral therapies, and also focus on essential social services and rehab.
• These may include such solutions as family members therapy to allow the individual to return to successful family life, psychological wellness services, education and also occupation training, and also real estate services.
That does not suggest, of course, that all individuals require all elements of treatment and also all recovery solutions. An additional principle of reliable addiction therapy is that the variety of services included in an individual's therapy strategy should be matched to his/her specific set of demands. Moreover, because those needs will certainly transform during recuperation, the selection of solutions given will certainly need to be consistently reassessed and also changed.
Our team believe holistic approaches ranging from mind wave biofeedback to yoga exercise as well as acupuncture are a vital part of the "array of services" to which he refers.


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Cool ranch = 3/5….Nacho cheese = 3.5/5 on the chip mack scale.


» Why should I use a Mortgage Coach versus using a mortgage broker?
» Why did Mortgage Free Australia set up the National Mortgage Coach System?
» What makes Mortgage Free Australia so special?
» What's the difference between a Mortgage Coach and a mortgage broker?
» If the National Mortgage Coach System is FREE for me, how does Mortgage Free Australia get paid?
» Why shouldn't I just stay with my current bank?
» Can I get a Mortgage Coach without submitting my details over the internet?
» Do you guarantee the National Mortgage Coach System?
Why should I use a Mortgage Coach versus using a mortgage broker?
Firstly, you have nothing to lose by test-driving our Mortgage Coach System. In fact, one quick 5-minute phone call is all it takes for you to know if your Mortgage Coach has the experience, knowledge and ability to help you.
Your Mortgage Coach will request a closer look at your situation, because they will spot several possibilities you are possibly missing out on.
Either way, you maintain complete control over the process, because it's you who decides what happens next. Mortgage Coaches are not high-pressure salespeople... they are professionals who can simply show you how you might be able to do better.
But the main reason you should use a Mortgage Coach is this: Mortgage Free Australia is in your corner protecting you interests. Period.
Listen: We are fanatical about protecting the integrity of the National Mortgage Coach System. It's in our interest to make sure what we've created is protected. We've worked too hard (and invested too much) in making sure our systems and information are top quality to let someone else come along and mess it all up!
And to make sure your interests (and our reputation) are protected, we mercilessly scrutinise all of our Mortgage Coaches. (They may be independent, but when they agreed to become Mortgage Coaches, they knew they were being held to a higher standard than every other mortgage professional in the industry. They also agreed to be monitored relentlessly for customer service levels, product knowledge levels and professional development upkeep).
It's our mission is to make sure you have the finest information possible to make your journey towards financial freedom quicker and easier.
Why did Mortgage Free Australia set up the National Mortgage Coach System?
Mortgage Professionals: Most mortgage professionals are honest people, but there are still a number of "bad apples" in the industry only interested in one thing - selling you the products that give them the biggest commissions! Mortgage Free Australia gets around this by continually inspecting the types of loans being shown to clients by Mortgage Coaches, and by ensuring that the variations in commission between products is no more than $100.
Mortgage Reduction Services: These are the slick salespeople who charge $4,000.00, $6,000.00 (we've even heard $8000.00!!) every year to help you manage your mortgage... using information our members can access for FREE! It is in their interest to keep their clients ignorant and helpless, where Mortgage Free Australia seeks to inform and empower you to achieve financial freedom.
To help our time-strapped members get on the financial freedom fast-track: In our time-poor, hurry-hurry world, we discovered that too many of our members just don't have the time to sort out their home loan situation on their own, despite the best of intentions.
So we asked ourselves: how could we help? That's when the National Mortgage Coach System was born. The National Mortgage Coach System is our network of free-agent mortgage brokers, voluntarily working within our system.
And because our Mortgage Coaches value their association with us, Mortgage Free Australia can effectively monitor that they are abiding by our iron-clad rules of conduct and customer service.
You see, our view is simple: we're here for YOU.
Our job is simply to connect you and your Mortgage Coach... but make no mistake; we're here to support YOU. Especially if you have any questions or concerns about your Mortgage Coach or the way your loan is progressing.
(By the way, Mortgage Free Australia has been operating since July 1, 2001. In that time, just under 20,000 people have read Harry Bozin's best-selling book "How to Be Mortgage Free in 4 Easy Steps" ...and made a positive start on fulfilling their financial destinies! We believe it is time to ramp-up our efforts by using the National Mortgage Coach System to get our message out to as many people as possible - as quickly as possible - before they become life-long slaves of the banks).
What makes Mortgage Free Australia so special?
Mortgage Free Australia is NOT a finance company.
We have taken on the role of being a "go between" for our members and the banks and other lenders.
Professional mortgage advice that fully understood the Mortgage Free Australia ethos as we teach it - in other words, mortgage professionals who understand our particular methods and technologies for getting rid of your mortgage years sooner.
But we wanted to be able to provide this service without compromising our integrity.
That's when our National Mortgage Coach System was born... after 18 months of flying around the country, finding the best-of-the-best mortgage professionals and teaching them our rapid mortgage elimination methods, we finally settled on a fantastic team of professionals.
And we constantly monitor their performance on a daily basis... to make sure they are giving our members exactly what they asked for.
If we were just another finance company, we would become a part of the same banking system problem that is crushing the financial freedom aspirations of so many ordinary Australians - a debt-level so suffocating that 44% of all home loan borrowers now expect to still be paying off their loans... in retirement! (Info courtesy of a recent CitiBank lifestyle survey, as reported in the April 8th 2006 Saturday edition of The West Australian newspaper).
Our role is independent education; our goal is to empower people to escape from the mortgage trap and become financially free years sooner.
And we do this only by providing top notch, up-to-the-minute free knowledge, powerful information and cutting-edge tools to our members.
Please note: we do not offer financial advice - that would be illegal, as only suitably qualified professionals are allowed to offer financial advice under Australia law. That's why we created our National Mortgage Coach System. As mortgage professionals, Mortgage Coaches are fully qualified to offer advice about mortgages - which is why we offer our assistance to you through the National Mortgage Coach System.
At the end of the day, we are a simply a club of ordinary, like-minded citizens who all want the same thing: peace of mind that our home loans won't haunt us till the day we die!
IMPORTANT - FOR YOUR ADDED PROTECTION: Mortgage Free Australia holds membership of the Credit Ombudsman Service Limited - (COSL). This means we have VOLUNTARILY taken on the extra obligation of having a powerful, independent body put us under the microscope if you make a complaint about our standards of service. COSL's Internal Dispute Resolution service is all about resolving any disputes you might have with us, giving you a FREE way of holding us to account if we don't perform for you.
If you have a complaint about Mortgage Free Australia, please contact Harry Bozin, our COSL-designated Complaints Contact Person directly on (08) 9328 8852. If, after you've given Harry Bozin a chance to remedy your complaint, you still feel you haven't received a satisfactory resolution within 45 days, you may contact COSL directly and they will look into the matter further. All of our Mortgage Coaches are also members of COSL, so you can be assured they are as motivated as we are to make sure we do the right thing by you.
WARNING: If you are thinking of dealing with another company about your mortgage, please make sure they indicate they are members of COSL on their website so you will be fully protected by this important body. It is a requirement of their membership that they tell you they are members. You may have to look very hard, though. That's because some members of COSL hide the fact that they are members. Probably because they are not 100% confident of their ability to perform for you. Mortgage Free Australia will not only perform... we'll loudly and proudly yell out our membership of COSL!
What's the difference between a Mortgage Coach and a mortgage broker?
A Mortgage Coach has only one obligation... and that's to YOU.
That's exactly how and why we've designed the National Mortgage Coach System this way.
If the National Mortgage Coach System is FREE, how does Mortgage Free Australia get paid?
We are up front about this.
We make a small commission from each and every approved mortgage that is created by one of our Mortgage Coaches. And we make a tiny profit on every book we sell from our bookshop. And we make a slightly bigger profit from subscriptions to our online Mortgage Reduction Plan software.
These all pay for the upkeep of our systems and administration, and ensure you continue to get the very best service, because we can afford to pay our way. It also means we don't have to rely on any sort of Government subsidy to keep our doors open.
And the Mortgage Coaches are happy that we get a small cut of their commission, because it means they are licensed to use our trademarked systems with their own clients. And they get to piggy-back on the integrity Mortgage Free Australia has in the community through their association. But their place with Mortgage Free Australia is well earned, because we won't allow them to even see you if they aren't the best and brightest mortgage professionals around (as discussed here).
And because we're paid by the banks, not by the Mortgage Coaches, it means we have NO HESITATION in disciplining the Mortgage Coaches (or even cutting them loose) if they don't meet our high and exacting standards of service to you.
Why shouldn't I just stay with my current bank?
In the end, that's your decision.
And it may very well be that your bank will offer you the kind of loan that a Mortgage Coach will recommend (even if it isn't exactly the best deal around). If you decide to take what you learn and apply it with your own bank, that is absolutely fine.
However, you may want to ask yourself this simple question: "What has my bank actually done over the last several years to earn my loyalty."
Our bet is that you won't be able to answer that question satisfactorily... because loyalty is a problem for all the banks since they started slashing jobs and services mercilessly in the 1990's.
Look: Banking has changed so radically over the last few years due to intense competition, there's a good chance your current loan is actually hurting your chances of paying it off!
Especially when compared to the sorts of products now available in the marketplace.
You also have to remember, it's not in your banks best interest to show you these newer products... after all, maybe they were probably able to lock you in to a more profitable contract before these newer, more superior products became available.
(By the way, we're not suggesting that you jump from product to product every few months, because you'll simply end up erasing the savings you'd make in application and valuation fees. No, what we're really talking about here is finding the RIGHT loan for your very specific situation. A loan that has the sort of flexibility you need, combined with the best features for helping you pay it off more quickly. And that's why an experienced Mortgage Coach is so valuable. They've all dealt with so many different situations in their careers).
The other thing to watch out for is complacency. We have often heard members say "I'm happy with my current bank". In our experience, what they are really saying is "I'm too time-strapped to explore other options" or "I just want to stick my head in the sand and ignore my mortgage altogether hoping the problem will just disappear."
Simply ask yourself: "Is it possible that a superior product has been introduced to the marketplace? A product capable of actually helping me pay off my mortgage years sooner?"
If you at least think it's possible, don't you think you owe it to yourself to see what you could do for yourself, right now?
Can I get a Mortgage Coach without submitting my details over the internet?
We want you to be comfortable with the process of getting a Mortgage Coach. So if you are worried about submitting your personal details over the internet, you can ring us on 1300 559 229 for the price of a local call.
You will need to ring during Western Australian business hours (9am - 5pm, Mon-Fri). If you miss us, please leave a message on our voicemail with your name, and best contact number and we will ring you back the very next working day.
Alternatively, you can send a quick email to coach@mortgagefreeaustralia.com with your best contact phone number for us to ring you back.
Do you guarantee the National Mortgage Coach System?
Yes. Just like during footy season, we guarantee to "Sack the Coach" if they don't perform to your full expectations!
All kidding aside, we take our Mortgage Coaches commitment to customer service very, VERY seriously! So if you're not completely satisfied with your Mortgage Coach, for any reason whatsoever, please tell us and we will reprimand your Coach.
If it's a serious enough violation of our exacting standards, we will BAN them from the program! (We have ZERO tolerance for violators of our strict code of practice).
Again, we've spent too much time, money and energy setting up this system - which we believe to be unique in Australia - to have a few "bad apples" foul it up.
And, to thank you for helping us keep the system running at top efficiency, we will make a donation of $25.00 (in your name) to the charity of your choice, and send you the receipt so you can claim the tax deduction! That's how serious we are about making sure the National Mortgage Coach System is the most efficient, friendly and service oriented mortgage system in the country!


text:
Turnbull is a leader besieged on all sides
With the election hanging in the balance, it is difficult to see a safe path for Malcolm Turnbull to navigate through the minefield that he alone has created.
On election night, Bill Shorten delivered the line that will haunt the rest of Malcolm Turnbull's time as Prime Minister, however short or long that time proves to be.
"Three years after the Liberals came to power in a landslide," crowed the Labor Leader, "they have lost their mandate."
While this is true more generally of the Coalition, it is even more applicable to Turnbull.
If this election was about anything, it was about securing Turnbull's authority; not only a mandate to pass his more contentious policies, but also to legitimise Turnbull's replacement of Tony Abbott as Liberal leader.
Now Turnbull must do what he can without either. If he manages to form a majority or minority government, the presumptive PM faces a future filled with obstructionism and pamphleteering from Labor and the crossbench parties in both the House of Representatives and the Senate.
Labor took the Faustian decision in the final fortnight of the election campaign to embrace the devastating power of Abbott-like negativity using faux facts, and found that it liked it very much. The Mediscare campaign is now being credited (along with the ousting of Abbott) as the reason western Sydney turned on Coalition MPs.
We can expect more such Abbott-like tactics from Labor if it continues as the Opposition.
During the previous parliament, the Coalition was able to work around a similarly obstructionist Labor by doing deals with the newly pragmatic Greens. It is unclear at this point whether the Greens will again be prepared to be amenable to a returned Turnbull Government.
Accordingly, Turnbull will be forced to play to the whims of an even larger Senate crossbench than before the election. It will be weeks until the final numbers in the Senate are known, but early indications suggest the Coalition has 30 senate seats, Labor 27 and the Greens nine, meaning a Coalition Government would need nine of the 10 crossbenchers to pass legislation.
Turnbull will likely be beholden not only to the protectionist demands of Nick Xenophon, but also to Fred Nile's Christian Democrats, the anti-paedophilia crusader Derryn Hinch, and the xenophobes Jacqui Lambie and Pauline Hanson.
Conversely, Labor combined with the Greens would need only three other votes to block government legislation – although, beyond the NXT senators, it is difficult to see three others whose votes Labor and the Greens would be willing to accept.
This spells the end of Turnbull's "plan for jobs and growth", given Labor will support corporate tax cuts only for the smallest of businesses. Then again, Labor in Opposition may become born again fiscal conservatives, belatedly seeing the merit in preventing increased government spending (as long as it is Coalition government spending that is stopped), and causing even further grief for the PM.
Legislation to facilitate the plebiscite on same-sex marriage would also be doomed, with nine supporters of same-sex marriage (let alone the plebiscite) difficult to find within the predominantly conservative crossbench.
Of course Turnbull's conservative problem is much closer to home than the Senate crossbench. Nothing short of an increased Coalition majority would have satisfied the conservative rump within the Liberal Party and the commentariat that the Turnbull experiment justified the knifing of Abbott.
The former PM made a point of staying above the ground war waged by his supporters against Turnbull, leaving the heavy lifting to his former chief of staff, Peta Credlin, and other right-wing commentators on Sky News and in the Murdoch press.
These forces were gearing up to fight a modestly-returned Turnbull on superannuation and the same-sex marriage plebiscite. They would have had to respect Turnbull's mandate but still make him fight for his signature policies.
But as the results came in on election night, their disgruntlement turned to fury, setting off a round of recriminations that likely will not subside completely until Turnbull is replaced.
It is difficult to see a safe path for Turnbull to navigate through the minefield that he alone has created. Returning Abbott to Cabinet would simply provide the former PM with a stronger platform from which to build community and party room support. Julia Gillard made this mistake with Kevin Rudd, as did Abbott with Turnbull.
However, leaving Abbott on the backbench allows him to speak more freely than a Cabinet minister could, and gives him the time to duchesse the MPs who abandoned him for Turnbull and may now be experiencing buyers' remorse.
Either way, the authority Turnbull needed to get contentious measures through the party room is seriously if not fatally diminished. Perhaps the only way he could get anything through both the party room and the Senate would be to pander to the conservatives in both. In effect, to become Abbott in a nicer suit.
Such a transition would put an end, once and for all, to the hope progressives and centrists once vested in Turnbull to be a truly liberal Prime Minister. But it might just be enough to win back the Liberal base.
It would mean selling his soul to the conservatives, but such a sacrifice might be the only way Turnbull can regain the mandate he threw away on election night.
Author Drag0nistaPosted on July 4, 2016 July 5, 2016 Categories PoliticsTags Ausvotes 2016
One thought on "Turnbull is a leader besieged on all sides"
Slim says:
It's odd that the electorate expressed its apparent desire for a more right wing LNP by voting for more left wing alternatives.
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