David Ehrich is Co-founder and Executive Director of AIR - the Alliance for Innovative Regulation, a non-profit that helps bank regulators embrace and leverage technology. David has worked in banking and payments for 20 years at McKinsey, American Express where he was a GM in the prepaid group, and JPMorganChase where he was the head of credit card strategy. David is the architect of the Bank On National Account Standards for bank accounts with no overdraft fees and he is a Co-Founder of Petal, a NYC-based fintech credit card startup pioneering the use of cash flow underwriting for consumers who lack a history of credit. David has an MBA from the Tuck School of Business at Dartmouth, and a B.S. from Cornell University.