Management Team
Our Team
  • Marc Biron
    CEO

    Marc founded HDC in 2015 and prior to that he was a risk management and portfolio management executive for over 13 years at a major super-regional bank. He has successfully attracted and hired a team of very senior financial services executives, working with industry leaders has driven development of an innovative disruptive home diversification product, raised initial seed capital and has successfully applied for proprietary US and international property protection. He 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.
  • David Margulies
    President

    David is a senior level mortgage banking executive with an exceptional record of building and leading top ranked regional and national banking and mortgage institutions. Extensive knowledge amassed over 30 years in all aspects of mortgage banking: strategic planning and implementation, sales leadership and management, capital markets and securitization, servicing, operational enhancements and efficiencies and corporate governance. With his strategic vision and deep understanding of the Community Bank and Credit Union culture, David has built and managed all aspects of mortgage lending in the retail, private label, wholesale, and correspondent channels within the financial institutions industry.
  • Monir Mamoun
    CTO/COO

    Monir has been a technology industry professional for over 30 years since selling his first program at age 12. He has worked in or with more than 20 startups and is an expert in development of both rapid startup-style MVP (minimum viable product) launches as well as scalable growth-stage technology infrastructures. Monir’s extensive startup and fin-tech experience will be fully leveraged in his role as CTO, responsible for developing the Company's customer-facing and internal technical services, as well as overall systems development, and corporate operating processes.  Monir earned MA Economics, BA Economics and BA International Studies degrees from Yale University and a programming degree from the UCSC system.
  • John Cyr
    CRO

    John joined HDC in late-2018 following a 30 plus year career in commercial banking Risk Management. John held the 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.
  • Wally Dwyer
    Wally is an investor in RRMC 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.
  • John Barris
    Experienced senior risk manager and executive leader in the banking and finance industry with experience in large and small corporate banking organizations with assets ranging from $10B to $500B+. Built and implemented large-scale projects, establishing frameworks in enterprise risk, governance, compliance, reporting, operational risk, and model risk. Worked directly with Board members and senior executive leadership to influence, train, and lead strategic development across regulatory and risk required infrastructure. John has a BS in Electrical and Mechanical Engineering from Cornell and MBA from University of South Carolina.
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