David Cotney Email & Phone Number

Washington D.C. Metro Area

Advise FinTech clients to help them innovate and grow. Business advisory services include guidance around product structure, organizational issues, operations, technology, fundraising, mergers & acquisitions and global expansion. Provide clients high level strategy and functional guidance to foster sustainable growth. Facilitate and oversee key partnerships and other third party relationships.

Greater New York City Area

Provide strategic direction to $8 billion technology-focused financial institution, including oversight and support of management team. Establish policies for the bank’s operations, including risk management, reserves, investments, liquidity, ethics and conflicts of interest, cybersecurity, anti-money laundering, and compliance. Develop internal controls to actively monitor the bank’s compliance with board policies. Ensure the bank serves as a source of credit and economic growth for its… Show more Provide strategic direction to $8 billion technology-focused financial institution, including oversight and support of management team. Establish policies for the bank’s operations, including risk management, reserves, investments, liquidity, ethics and conflicts of interest, cybersecurity, anti-money laundering, and compliance. Develop internal controls to actively monitor the bank’s compliance with board policies. Ensure the bank serves as a source of credit and economic growth for its community Show less

Fall River, Massachusetts

Provide oversight, direction, and support for a technology-driven company with a cloud-based, compliance, risk, and audit platform solution.

Washington, District Of Columbia, United States

Provide strategic direction and advice to ADCG, an organization of individuals, companies and other organizations that focus their work on compliance with US and international laws, regulations and standards governing or affecting data privacy, data protection and cybercrime.

Waltham, Massachusetts

Ensure the relevance of the Digital Innovation for FinTech graduate program. Assess program to ensure that courses align with emerging issues and challenges within the industry.

Greater Boston Area

OwnUp is a mortgage service with on-demand personal mortgage experts committed to securing home loans from certified local lenders that offer discounted interest rates. Since launching in 2016, OwnUp has saved customers an average of over $20,000 over the life of their loan.

Boulder, Colorado, United States

Washington D.C. Metro Area

Greater Boston Area

Responsible for the supervision of nearly 200 state-chartered banks and credit unions holding combined assets of over $400 billion. Also responsible for the licensing and supervision of nearly 500 mortgage lenders and brokers; over 7,000 individual mortgage loan originators; and an additional 3,000 non-bank financial entities, including check cashers, money transmitters, finance companies, and debt collectors.Implemented 2010 and 2012 foreclosure laws creating a right to request a… Show more Responsible for the supervision of nearly 200 state-chartered banks and credit unions holding combined assets of over $400 billion. Also responsible for the licensing and supervision of nearly 500 mortgage lenders and brokers; over 7,000 individual mortgage loan originators; and an additional 3,000 non-bank financial entities, including check cashers, money transmitters, finance companies, and debt collectors.Implemented 2010 and 2012 foreclosure laws creating a right to request a modification for certain mortgage loans in default and encouraging commercially reasonable alternatives to foreclosure. Served as the Chairman of the State Liaison Committee of the Federal Financial Institutions Examination Council (FFIEC) and as the first State voting member of the FFIEC's Task Force on Consumer Compliance.Served as Chairman of the Board of Directors of the Conference of State Bank Supervisors, an association of State regulators devoted to strengthening the role of State financial supervision. Show less

Oversaw the daily operations of the Division's staff of 160 and $17 million budget. Advised the Commissioner on all policy, regulatory, and legislative matters.Facilitated the nation's first summit of regulators, industry, and community organizations in November 2006 to tackle the growing foreclosure and mortgage fraud problems. Drafted the foreclosure prevention legislation which was enacted in November 2007.

Served as Chief Fiscal Officer by directing the administration of the Division's $12 million budget and a staff of 170, including revenue and accounting, information technology, human resources, and media relations.Served on the initial working group which led to the creation of the Nationwide Mortgage Licensing System.

Oversaw all aspects of the Division's CRA & fair lending examinations as well as outreach. Later assumed responsibility for licensing and examinations of all banks, credit unions, mortgage companies, debt collectors, money transmitters, and check cashers. Substantially improved efficiency and productivity in both licensing and examination programs.

Directed outreach efforts to consumer and community organizations as well as the bank and credit union industries. Supported CRA and fair lending examinations and worked to resolve problem institutions. Drafted "CRA and Fair Lending Policy" in response to landmark discrimination study. Worked with federal regulators, industry, and community organizations to draft "Closing the Gap: A Guide to Equal Opportunity Lending".

Conducted examinations of State-chartered banks and credit unions for compliance with Community Reinvestment Act and fair lending laws and regulations.

Mpa, Leadership

Mba, Public & Non-Profit Management

Activities and Societies: Beta Gamma Sigma

Ba, Political Science

High School