David Ehrich is Co-founder and Executive Director of AIR - the Alliance for Innovative Regulation, a non-profit dedicated to the digital modernization of the regulatory system. David has worked in banking and payments for 20 years at McKinsey, American Express, and JPMorgan Chase where he was the head of credit card strategy and helped design their big data initiative. He is the architect of the Bank On National Account Standards, and a Co-Founder of Petal, a fintech credit card pioneering the use of cash flow underwriting to help consumers build safe and affordable credit access. David is a member of the CFPB’s Consumer Advisory Board, and a member of the Marketplace Partner Advisory group for Change Machine. David serves on several nonprofit boards and is an active fintech advisor and investor. David holds an MBA from the Tuck School of Business at Dartmouth, and a B.S. from Cornell University.