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Mayra Rodriguez Valladares

Managing Principal at MRV Associates and 1 other company
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MRV Associates is dedicated to providing clients high quality financial consulting, research, and training services on Basel III, Dodd-Frank, risk management, risk based supervision, capital markets, and financial derivatives. MRV Associates has extensive global experience and has led successful projects in the financial and energy sectors in over twenty countries in English, Russian, and Spanish.

Mayra Rodríguez Valladares is Managing Principal of MRV Associates. She is a graduate of Harvard and Radcliffe Colleges, The Wharton School, and The Lauder Institute of the University of Pennsylvania. She was also a Raoul Wallenberg Fellow at The Hebrew University of Jerusalem. She is a highly motivated business professional, who has twenty five years of financial regulatory and capital, foreign exchange, and energy markets experience at the Federal Reserve Bank of New York, JP Morgan, BTAlex.Brown, and as a financial consultant and trainer. She has published over 200 articles in publications such as American Banker, Bloomberg’s Financial Regulatory Brief, Forbes, The Hill, The New York Times, Russian Petroleum, and World Oil.

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  • California's Insurance Crisis: Unpredictable Climate Change Challenges
    Mayra explains that California faces insurability issues due to "unpredictable climate change and extreme weather." Insurance companies struggle to price policies accurately, balancing between attracting business and covering risks. This uncertainty makes it difficult for consumers and businesses to afford policies, exacerbating the insurance crisis in the state.
  • Basel III Implementation at Risk Amid U.S. Regulatory Changes
    Mayra highlights the dangers posed by Michael Barr's early exit and potential regulatory rollbacks under the Trump administration. She cautions that weakened U.S. banking regulations could lead to a global "race to the bottom," affecting European and British banking rules and threatening the safety of the financial system.
  • Fed Rate Cut: Who Wins and Who Loses?
    Mayra explains that heavily indebted individuals and companies benefit most, while savers earn less. Housing sees quicker relief with lower mortgage rates, but retail prices may not drop without political pressure. "Lower rates will push investors into stocks and away from bonds." Both corporations and consumers can refinance debt, and U.S. borrowing costs decrease.
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  • The banks have known for a while that this day was coming; they got so beat up during the financial crisis, and all these non-banks didn’t have the same regulations to comply with. From 2008 to now, there has been unbelievable, explosive growth by all these non-banks, and what that means is banks now have to be leaner and meaner.

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