Warren S. Galloway, Jr., Senior Partnerships Manager, Kiva U.S. and President/CEO, National Microloan Conference, has more than 14 years of executive-level banking and over 25 years of small business experience. He has worked in many capacities with nonprofit groups, individuals, and businesses. Mr. Galloway has served in key positions at some of the largest national and regional financial institutions in the United States—among them E*TRADE Bank, Charter One Bank, Standard Federal Bank, and NBD Bank—holding several positions in Regulatory Affairs, Compliance, CRA/Community Development, Personal and Mortgage Lending, Investments, and Retail Branch Operations. Mr. Galloway earned a Bachelor of Science Degree in Marketing/Business Administration from Central Michigan University, as well as a Juris Doctor Degree from Thomas M. Cooley Law School. In addition, he is a former Adjunct Professor of Business at Baker College and Capital Strategist at TechTown Detroit, and is the current Chairman of the Kiva U.S. Advisory Board. Mr. Galloway is a strong advocate of microlending and has taken the lead in promoting it as an important resource for small businesses throughout the country. He is also the founder of the National Microloan Conference and the author of thirteen books.