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.