Management Team

Jim oversees the customer, shareholder, and community experiences as the executive officer of HDC.

After serving as a Surface Warfare Officer in the United States Navy, Jim joined Citizens Financial Group. During his 12 years there, he held various sales, risk, and corporate treasury roles, finishing as the US Head of Capital.

From 2010 to 2013, he was the Global Head of Capital for State Street Bank. After leaving State Street, he co-founded and lead the financial services consulting practice for the Exequor Group.

In 2017, he Joined Western Alliance Bank in Phoenix as the President and Chief Operating Officer. Jim joined HDC as CEO in 2020.

Jim graduated with a BA from the University of Rochester and has an MBA from the University of Rhode Island. He also holds the Chartered Financial Analyst designation.

As the Chief Operating Officer, John has overall responsibility for all aspects of operations including technology, customer service, digital experience, and accounting.

Prior to joining Home Diversification Corporation, John spent 25 years in banking including two de-novo banks in the San Francisco Bay Area and a regional bank headquartered in Phoenix Arizona.

During his time in banking, John held a variety of senior management positions managing technology, operations, and compliance including the roles of Head of Digital Strategy and Chief Information Officer.

John graduated with a BS in Business with a concentration in Finance from California State University, Sacramento.

Marc is directly responsible for all sales and marketing for HDC.

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.

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.

Michael manages all aspects of portfolio management and performance, including reserves, funding, and diversification.

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.