SPEAKER BIOS

Cognitive Models 

Michael S. Wogalter is a Professor Emeritus of Psychology at North Carolina State University (Raleigh), 

having “retired” in 2013 after serving on its faculty for over 20 years. Previously, he was on the 

faculties of Rensselaer Polytechnic Institute and the University of Richmond. Dr. Wogalter’s main 

research areas include hazard communication, human-technology systems interaction, cognitive 

ergonomics, and forensic human factors. He has authored more than 350 publications, including 

books, journal articles, and conference proceeding articles, and has participated as a consultant in 

several hundred legal cases involving the analysis of human perception, cognition, and warnings. He 

holds a Ph.D. degree in Human Factors/Engineering Psychology from Rice University, a master’s degree 

in Experimental Psychology from the University of South Florida, and a bachelor’s degree in Psychology 

from the University of Virginia.

Evaluation Procedures and Methods 

Ilana Westerman is the CEO of Create with Context, Inc. She spearheaded The Digital Trust Initiative, 

an ongoing effort to build trust between businesses and their customers regarding the acquisition and 

use of personal data, initially sponsored by Visa, AOL, Verizon, Yahoo! and the Future of Privacy Forum. 

Through this work, Create with Context has observed, interviewed, and surveyed more than 15,000 

consumers globally in order to learn about their attitudes toward and awareness of digital data 

collection. Prior to co-founding Create with Context in 2005, Ms. Westerman worked on IBM’s web 

presence for the Nagano Olympics and was one of the early members of Yahoo!, where she helped 

build the Yahoo! UX team. She has also shared her passion for context-driven design as an Adjunct 

Professor at San Jose State University.

Craig Andrews is a Professor and the Charles H. Kellstadt Chair in Marketing at Marquette University. 

His research focuses on advertising, labeling and public health issues, including the effectiveness of 

tobacco health warnings in reducing adolescent smoking intentions, and how front-of-package 

nutrition symbols and redesigned pharmacy leaflet information is comprehended by consumers. Dr. 

Andrews has served as a Social Scientist at the FDA’s Center for Tobacco Products, as a Senior Scholar 

at the FDA’s Center for Food Safety and Applied Nutrition, and as a Consumer Research Specialist at 

the FTC where he earned an Award for Meritorious Service. He was Editor of the Journal of Public 
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Policy & Marketing, a member of the Behavior Change Expert Panel for the National Youth Anti-Drug 

Media Campaign, and is a co-author of Advertising, Promotion, and Other Aspects of Integrated 

Marketing Communications. Dr. Andrews’ work has appeared in leading journals in marketing and 

public health, including the Journal of Marketing, Journal of Marketing Research, Journal of Consumer 

Research, Journal of Public Policy & Marketing, Journal of Advertising, Tobacco Control, and the 

American Journal of Public Health.

Your Attention Please!

Nathaniel J. Evans is an Assistant Professor in the Grady College’s Department of Advertising and 

Public Relations at the University of Georgia. Dr. Evans’ research has examined consumers’ processing, 

understanding, and evaluation of covert and non-traditional advertising formats, including 

advergames, branded apps, in-game advertising, and native advertising, with a focus on public policy 

implications. His research framework can be applied to regulatory and policy related topics in 

advertising, marketing, communication and health. Dr. Evans’ work has been published in the Journal 

of Advertising, Journal of Interactive Advertising, Journal of Current Issues and Research in Advertising, 

Television and New Media, and Health Affairs. The research presented was funded in part by the 

American Academy of Advertising.

Mariea Grubbs Hoy is a Professor of Advertising at the University of Tennessee. Dr. Hoy’s research 

interests include disclosures, online privacy, covert advertising, direct-to-consumer drug advertising, 

and children’s advertising. She has published in journals including the Journal of Public Policy & 

Marketing, Journal of Advertising, Journal of Consumer Affairs, and Journal of Current Issues and 

Research in Advertising. Dr. Hoy presented at the 2007 FTC Negative Options Marketing Workshop. 

She has also won the University of Tennessee Alumni Association Teaching Award. Dr. Hoy received a 

Ph.D. in Marketing from Oklahoma State University.

David A. Hyman is the H. Ross and Helen Workman Chair in Law and Professor of Medicine at the 

University of Illinois, where he directs the Epstein Program in Health Law and Policy. He focuses his 

research and writing on the regulation and financing of health care, and on empirical law and 

economics. He teaches or has taught health care regulation, civil procedure, insurance, medical 

malpractice, law & economics, professional responsibility, and tax policy. While serving as Special 

Counsel to the FTC, Dr. Hyman was principal author and project leader for the first joint report issued 

by the FTC and the Department of Justice, “Improving Health Care: A Dose of Competition.” He has 

published widely in student edited law reviews and peer reviewed medical, health policy, law, and 

economics journals. Dr. Hyman received an M.D. and a J.D. from the University of Chicago.

Rebecca Balebako conducts policy analysis on privacy and cyber security at RAND Corporation. Her 

doctoral work at Carnegie Mellon University in Engineering and Public Policy included work on usable 

privacy controls for smartphones. Dr. Balebako was previously a software engineer at technology 
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startups and universities. The research presented was funded by the National Science Foundation and 

by a John and Claire Bertucci Fellowship.

Comprehension

Daniel Goldstein is a Principal Researcher at the Microsoft Research Lab in New York City, a division of 

Microsoft Corp. Previously he was an Assistant Professor of Marketing at the London Business School 

and taught or researched at Yahoo Research, Columbia University, Stanford University, Harvard 

University, and Germany’s Max Planck Institute, where he was awarded the Otto Hahn Medal in 1997. 

Dr. Goldstein is President of the Society for Judgment and Decision Making, which is the largest 

academic organization in Behavioral Economics. He sits on the Academic Advisory Board of the United 

Kingdom’s Behavioral Insights Team (aka the “Nudge Unit”). He received a Ph.D. in Psychology from 

the University of Chicago.

Elizabeth Howlett is a Professor of Marketing at the Sam M. Walton College of Business, University of 

Arkansas, Fayetteville. Dr. Howlett’s research focuses on consumers’ use and understanding of product 

information disclosures. She has published extensively in top marketing, consumer behavior, and 

public policy journals. Dr. Howlett is also a special government employee serving as a Food and Drug 

Consultant for the Risk Communication Advisory Committee. The research presented was funded in 

part by Healthy Eating Research, A Robert Woods Johnson Foundation.

Susan Kleimann founded the Kleimann Communication Group in 1997. Her company has been 

involved in numerous projects to develop and test large high-impact documents. Dr. Kleimann’s work 

often focuses on the juncture of public policy and documents intended to convey that policy to 

consumers. She oversaw the development and testing of the Model Financial Privacy Notice, now used 

by nearly every U.S. financial institution. More recently, Dr. Kleimann led the development and testing 

of the Loan Estimate and Closing Disclosure (or TRID) for the Consumer Financial Protection Bureau. 

Dr. Kleimann also serves as the Chair of the Center for Plain Language and works with the International 

Working Group to develop international standards on plain language, including the need for evaluation 

as central to those standards. Dr. Kleimann received her Ph.D. from the University of Maryland, College 

Park. The research presented was funded by the Consumer Financial Protection Bureau.

Joel R. Reidenberg is the Stanley D. and Nikki Waxberg Chair and Professor of Law at Fordham 

University where he directs the Center on Law and Information Policy. Dr. Reidenberg served as the 

inaugural Microsoft Visiting Professor of Information Technology Policy at Princeton University and 

continues to serve as a visiting research affiliate of Princeton’s Center for Information Technology 

Policy. Dr. Reidenberg is a principal investigator on the Usable Privacy Project 

(http://usableprivacy.org). He is a member of the American Law Institute (ALI) and an Advisor to the 

ALI’s Principles of Law of Data Privacy project. The research presented was funded in part by the 

National Science Foundation and the National Security Agency.
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Impact on Decision Making and Behavior

Lillian Ablon is an information scientist at the RAND Corporation and a Professor at the Pardee RAND 

Graduate School. She conducts technical and policy research on cybersecurity, emerging technologies, 

privacy and security in the digital age, computer network operations, digital exhaust, and the human 

element. Recent research topics include consumer attitudes towards data breach notifications; black 

markets for cybercrime tools and stolen data as well as white, grey, and black markets for zero-day 

exploits; social engineering and open source intelligence; methods for zero-day vulnerability detection; 

tools and technologies for greater cyber situational awareness; and privacy concerns with digital 

identity. Prior to joining RAND, Ms. Ablon worked with cutting-edge technologies in cryptography, 

network exploitation and vulnerability analysis, and mathematics. She won a black badge at DEFCON21 

and holds degrees in mathematics from Johns Hopkins University and the University of California, 

Berkeley. The research presented was funded by the RAND Corporation’s Institute for Civil Justice.

Idris Adjerid is an Assistant Professor at the Mendoza College of Business. His research concentrates 

on the economics of information systems and personal information, with a focus on applications of 

behavioral economics to privacy decision making. His work has been published in Management 

Science, the IEEE Journal on Privacy and Security, and various conference proceedings. He received a 

Ph.D. in Information Systems from the Heinz College of Public Policy at Carnegie Mellon University. The 

research presented was funded in part by the National Science Foundation, the Alfred P. Sloan 

Foundation, and the Carnegie Corporation of New York.

Ginger Zhe Jin is the Director of the FTC’s Bureau of Economics and is responsible for supervising 

economic analysis for the FTC’s antitrust and the consumer protection missions and advising the 

Commission on economic policy matters. Dr. Jin is a Professor of Economics at the University of 

Maryland and a Research Associate at the National Bureau of Economic Research. Most of her research 

focuses on information asymmetry among economic agents and ways to overcome this information 

problem. She has examined restaurant food safety, health insurance, prescription drugs, online 

trading, online reviews, regulatory inspection, scientific innovation, air quality, blood donation, and the 

intrafamilial interaction between parents and children. In October 2014, Dr. Jin co-founded Hazel 

Analytics, an analytics company that promotes the use of open government data. The research 

presented was funded in part by the National Science Foundation, the Net Institute, the Alfred P. Sloan 

Foundation, and the National Bureau of Economic Research.

Adair Morse is an Associate Professor of Finance at the Haas School of Business at the University of 

California, Berkeley. Her research spans three areas of finance: household finance, corruption, and 

asset management, with the unifying theme of focusing on topics useful for leveling economic playing 

fields. Dr. Morse has a particular interest in household debt and welfare. The disclosure design 

appearing in her Brattle Prize-winning joint work has been adopted into banking regulation by U.S. 

states and Canadian provinces. The idea of the design is that information disclosure should be timely 
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and tailored to how people make financial decisions, especially incorporating any cognitive biases. In 

another joint work, Dr. Morse used household bank credit to infer the level of tax evasion in Greece, 

making contributions both to the use of finance as an indicator for income and to the measurement of 

tax evasion. Her other noteworthy publications in household finance include work on the effect of 

income inequality on consumption, the welfare consequence of payday loans, and crowdfunding.

Case Studies 

Colin Campbell is an Assistant Professor of Marketing at Kent State University. His research examines 

online marketing, with a specific focus on social media and innovative advertising forms. Dr. Campbell 

is particularly interested in research that both develops theory and informs marketing and advertising

practice. His work has appeared in outlets such as the Journal of Advertising Research, the Journal of 

Advertising, and California Management Review.

Sarah J. Farnsworth serves as the Vice President of Scientific Affairs for PEGUS Research, a contract 

research organization based in Salt Lake City that specializes in designing and implementing consumer 

research and clinical studies to support prescription-to-over-the-counter switch efforts. These studies 

determine if consumers are able to accurately comprehend important directions and warnings on 

product labeling, and then apply this understanding in order to use the product safely. The mission of 

this work is to safely increase access to medicines and have a positive impact on public health. Dr. 

Farnsworth received her Ph.D. in Neuroscience from the University of Utah, and serves an Adjunct 

Professor of Psychology and Neuroscience at Weber State University in Ogden, Utah. The research 

presented was funded by Chattem, Inc., a Sanofi Company.

Manoj Hastak is Professor in the Department of Marketing at the Kogod School of Business, American 

University. He has published extensively in scholarly marketing publications including the Journal of 

Consumer Research, Journal of Public Policy & Marketing, and Journal of Advertising. Dr. Hastak has 

served as a consultant on consumer perception issues for a number of federal agencies (e.g., FTC, FDA, 

USDOJ, CFPB, HUD). He is a two-time recipient of the Thomas C. Kinnear award for the best article 

published in the Journal of Public Policy & Marketing. He currently serves as Associate Editor of the 

Journal of Public Policy & Marketing, is a former member of the editorial board of Psychology & 

Marketing, and has organized and chaired numerous academic conferences including the 2007 

Marketing and Public Policy Conference and the 1999 Society for Consumer Psychology Conference. 

Dr. Hastak received his Ph.D. in Business Administration from the Pennsylvania State University. Some 

of the research presented was funded by the Federal Trade Commission.

Heidi Johnson is a Research Analyst on the Decision Making and Behavioral Studies team at the 

Consumer Financial Protection Bureau. She manages the division’s research agenda on disclosure, a 

strategic initiative to invest in research that explores the factors that influence a disclosure’s efficacy, 

how to use different methodologies to study disclosure, and the market effects of disclosure. Ms. 
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Johnson’s work at the Bureau includes consumer research on overdraft and other financial products. 

She received a Master’s degree in Public Policy from the Harvard Kennedy School.

The Future of Disclosures?

Serge Egelman is the Research Director of the Usable Security & Privacy Group at the International 

Computer Science Institute and leads the Berkeley Laboratory for Usable and Experimental Security at 

the University of California, Berkeley. Dr. Egelman’s research focuses on the intersection of privacy, 

computer security, and human behavior, with the specific aims of better understanding how people 

make decisions surrounding their privacy and security and creating data-driven improvements to 

systems and interfaces. This has included research on social networking privacy, access controls, 

authentication mechanisms, web browser-security warnings, and privacy-enhancing technologies. His 

work has received multiple best paper awards, including multiple ACM CHI Honorable Mentions, the 

2012 Symposium on Usable Privacy and Security Distinguished Paper Award for his work on 

smartphone application permissions, and the 2012 Information Systems Research Best Published Paper 

Award for his work on consumers’ willingness to pay for online privacy. He received his Ph.D. from 

Carnegie Mellon University and prior to that was an undergraduate at the University of Virginia. The 

research presented was funded by the National Science Foundation and the Department of Homeland 

Security.

Tamar Krishnamurti is an Assistant Research Professor of Engineering and Public Policy at Carnegie 

Mellon University. She is an early-career scientist with 10 years of experience in the field of behavioral 

decision research. Dr. Krishnamurti approaches complex decision-making landscapes by applying basic 

knowledge to the design of communications and behavioral interventions that assist people in making 

more informed choices in areas as diverse as maternal health and energy conservation. Dr. 

Krishnamurti conducts research, both domestically and internationally, with a focus on vulnerable 

populations. She is dedicated to accessible science communication and her op-eds have appeared in 

popular publications, such as the New York Times and Huffington Post. Dr. Krishnamurti received a 

Ph.D. in Behavioral Decision Research from Carnegie Mellon University. The research presented was 

funded by ICON plc and the Swedish Foundation for Humanities and Social Sciences (Riksbankens 

Jubileumsfond) Program on Science and Proven Experience.

Florian Schaub is an Assistant Professor in the School of Information at the University of Michigan. Dr. 

Schaub’s research focuses on empowering users to effectively manage their privacy in complex sociotechnological systems. His research interests include privacy, human-computer interaction, mobile and 

ubiquitous computing, and the Internet of Things. Before joining the University of Michigan faculty, Dr. 

Schaub was a postdoctoral fellow in the School of Computer Science at Carnegie Mellon University. He 

received a doctoral degree and Diplom in Computer Science from the University of Ulm, Germany, and 

a Bachelor in Information Technology from Deakin University, Australia. The research presented was 
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funded in part by the National Science Foundation, the Defense Advanced Research Projects Agency, 

the Air Force Research Laboratory, Google, Inc., Yahoo! Inc., and the Carlsberg Foundation.