Marc Biron
CEO

Prior to founding HDC, Marc was a risk management and finance executive at Citizens Financial Group - a super-regional bank. He also successfully founded and ran two small entrepreneurial businesses, including a private practice financial services consulting business.

Marc is a proven innovator in the banking industry.

While he was a Treasury portfolio manager at Citizens Bank, early in his career, Marc developed a ground-breaking trading system that generated millions of dollars in added profits. Also at Citizens, Marc sensed that they had been significantly over-billed by one of their largest financial partners; on his own initiative, he identified the problem and recovered $27M that had been owed to the bank for several years.

While consulting for a client in the manufactured housing industry, Marc contacted Warren Buffet to suggest that one of his portfolio companies, one of the largest home credit companies in the US, make an innovative change to their credit policy. Marc worked with the company's CEO to implement the change, and the result was a doubling of sales for his client, dramatically reduced loss severity for the credit company, and because of their lower credit risk - approximately a 1/3 lower interest rate for buyers of manufactured homes.

Marc has an MBA from the University of New Hampshire and a BS Biology degree from Tufts University. He also holds the Chartered Financial Analyst designation.

Monir Mamoun
CTO

Monir is an experienced technology manager who has focused on startup environments.

His accomplishments include building a successful technology consulting company (Natex) which has employed over 80 domestic and offshore technology workers, creating one of the first large-scale subscription-based VPN companies, and leading the software development team for a 2000-person call center.

Monir also has extensive financial experience as an international hedge fund financial analyst, a top-producing mortgage loan officer, and recently served as the Behavioral Research Programmer at Stanford Business School.

Monir graduated from Yale University with MA Economics, BA Economics and BA International Studies degrees.

John Cyr
COO

John joined HDC in late-2018 following a 30 plus year career in commercial banking Risk Management.

John held numerous leadership positions ranging from SVP of Credit Policy to COO for Wholesale Credit Risk of a $150BN bank.

He has extensive experience in Regulatory Risk, Credit Risk, Policy Governance, Investor Relations and Credit Management.

Highlights of John’s Operational experience include oversight of all wholesale credit operations (staff of over 70) and development/build-out of a centralized business banking credit and portfolio management function.

Hands-on Risk Management accomplishments include drafting mission critical risk control documentation and building out procedures to take a company public as it separated from its foreign parent.

He has BS in Computer Science from Florida State University, School of Mathematics.

Michael Fadil
CRO

Michael has more than 30 years of experience in the financial services industry.

After starting with Chubb Securities in 1987, he spent most of his career at Fleet Bank in Providence RI, starting in 1989 before leaving after the Bank of America merger in 2005 when he ran the Credit Analytics Group.

From 2006 – 2013 he was Director of SunTrust’s Risk Analytics Group and was Sr. Director for stress testing business development at Moody’s Analytics in 2013 – 2104 before returning to Providence as EVP at Citizens Bank to run the bank’s Risk Architecture Group.

Michael graduated from Dartmouth College in 1985 where he studied Economics and Earth Science and has an MBA from NYU’s Stern School of Business.