Regulatory Environment and Cybersecurity Risk

Jennifer joined GAO in 2006. She has led reviews on an array of federal agencies, including the Department of Health and Human Services, National Institutes of Health, Centers for Disease Control and Prevention, Internal Revenue Service, and the Office of Personnel Management. She is also a certified facilitator of Diversity, Equity, Inclusion, and Accessibility (DEIA) courses.

Jennifer earned a master’s degree in information security policy and management from Carnegie Mellon University. Jennifer earned a bachelor’s degree in computer information systems from Hampton University.

She works in GAO's Atlanta Field Office.

Donna M. Murphy is the Deputy Comptroller for Compliance Risk Policy and the Acting Deputy Comptroller for the Office of Financial Technology at the Office of the Comptroller of the Currency (OCC).

In her role as Deputy Comptroller for Compliance Risk Policy, Ms. Murphy oversees development of policy and examination procedures relating to consumer compliance, fair lending, Community Reinvestment Act (CRA), Bank Secrecy Act, and antimoney laundering issues. She serves as a key advisor to the Committee on Bank Supervision and to the Comptroller on compliance and CRA matters. She took on this role in May 2016.

In her role as Acting Deputy Comptroller for the Office of Financial Technology, Ms. Murphy provides oversight for the office responsible for the analysis and evaluation of financial technology innovations, trends, emerging risks, and potential implications for OCC supervision and OCC-supervised banks. She assumed these responsibilities in September 2023.

Ms. Murphy previously served as the Director of the Community and Consumer Law Division and oversaw the legal department that provides legal interpretations and advice to OCC policymakers, managers, and examiners on consumer compliance and fair lending laws.

Prior to joining the OCC in March 2013, Ms. Murphy served in the Civil Rights Division of the U.S. Department of Justice as a Deputy Chief in the Housing and Civil Enforcement Section, the Special Litigation Section, and the Voting Section.

Before joining the Justice Department, Ms. Murphy served as a law clerk for the Honorable Myron H. Thompson, U.S. District Judge in Montgomery, Alabama.

Ms. Murphy received her law degree from Yale Law School, and is a summa cum laude graduate of the American University in Washington, D.C.

As a member of the innovation policy team at the Federal Reserve Board, Loren Bushkar evaluates and recommends policy for the supervision and regulation of the banking sector across cutting edge topics such as artificial intelligence and the use of data. Ms. Bushkar was previously the Managing Director at the Institute of International Finance and held a variety of roles of J.P. Morgan including Executive Director and Investment Strategist responsible for economic and investment-related analysis and Structured Credit and Securitized Product Origination.

Ms. Bushkar holds an M.S. in Data Science, a B.S. in Systems Engineering and a B.A. in Economics from the University of Virginia.