Management Team
Our Team
  • 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.
  • Wally Dwyer
    Wally is an investor in HDC and currently serves as President of Main Street Bank, a mutual savings bank with roughly $1 billion in assets.

    Wally received his BA in Economics from UNH, an MBA with a concentration in Finance from New Hampshire College, and is a graduate of the American Bankers Association Stonier Graduate School of Banking.
  • John Osland
    Founder of Gravity Investment, John is a seasoned advisor to startups and has led multiple business divisions from early stage to $100M+ revenue operations. Co-led full spectrum corporate development in raising $100M in growth capital for emerging technology companies. Co-Founder & Active Board Member / Patented Portfolio Diversification FinTech Past Decade / Former Chairman and CEO.

    He has an MBA in Finance from a Top 20 program and a BA in Economics, cum laude, with departmental distinction in Economics and Accounting.
  • Dr. Leonard (Len) Mills
    Len has more than 30 years of experience as an investment manager. He spent over 15 years as Head of Portfolio Analytics and Research for Fannie Mae with oversight of proprietary analytics and research underlying all asset selections and portfolio management strategies for the entire direct portfolio. After leaving Fannie in 2005, he was a Principal in Unison Investment Management before he joined Wells Fargo’s Corporate Risk group as a Head of Model Validation in 2010. Len then started his own registered investment advisory business, PI Analytics Investment Adviser, in 2016 specializing in investing in alternative investments and at the same time founded Verte Capital, a venture capital fund.

    Len holds a B.S. in Mathematics, a Ph.D. in Economics, is a Chartered Financial Analyst (CFA) and holds the Certificate in Quantitative Finance (CQF).
  • William K. Wray, Sr.
    Bill has more than 30 years of experience in the financial service sector. He spent 15 years at Citizens Financial Group, culminating in his role as Vice Chairman and Chief Information Officer as he was part of the team that grew the bank to be the 8th largest in the U.S at over $165 billion in assets. Bill then spent 6 years at Blue Cross Blue Shield Rhode Island as Chief Operating Officer before accepting the role as Chief Risk Officer of Washington Trust, a $5 billion asset bank where he started in 2015.

    Bill has his B.S. in Engineering from The U.S. Military Academy and his M.S. from Stanford University.
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