Partner, Chief Portfolio Officer, Head of Regulatory and Compliance Advisory
Gary brings 30+ years’ experience in financial services as a fintech practitioner, regulator, banker and consultant towards the development of safe and sustainable payment, deposit, and lending solutions. Gary leads the Risk and Compliance practice areas for 99FinTech.
Most recently, Gary served as the US Chief Product and Compliance Officer for an international point of sale lending company where he developed the product strategy, Americanized the firm’s platform and market approach, built a comprehensive compliance management system, and helped to stand up a working enterprise in only 10 months.
Gary previously led policymaking efforts related to consumer payments, deposits, unsecured credit, and data aggregation at the Consumer Financial Protection Bureau, where he served for 9 years. Among his accomplishments at the Bureau were creating the CFPB’s Consumer Protection Principles for both Faster Payment Systems and Consumer-Authorized Data Access; bringing substantial transparency to checking account overdraft by authoring groundbreaking publications and amending bank call reports; and publishing the Bureau’s Advanced Notice of Proposed Rulemaking on Section 1033. Gary was also a leading proponent and designer of U.S. real-time payments, serving on the Steering Committee of the Federal Reserve’s Faster Payments Task Force as well as the Fed’s Governance Framework Formation Team.
Prior to joining the CFPB, Gary was co-founder and Partner at Capital Performance Group, a financial services strategy consultancy with a focus on launching new businesses and products, distribution planning, and performance improvement. Earlier in his career, Gary held roles at Furash & Company, Signet Bank, Coopers & Lybrand, and Andersen Consulting.
Gary is a regular industry speaker and presenter and has been quoted frequently.