Gary serves as the Chief Product and Compliance Officer for Opy USA, a subsidiary of Australian-based Buy Now, Pay Smarter firm, Openpay. In his current role, Gary brings 30+ years’ experience in financial services to developing safe, affordable, and transparent lending and payment solutions. Prior to joining Opy in January, Gary led policymaking efforts related to consumer payments, deposits, non-mortgage credit, and data aggregation at the Consumer Financial Protection Bureau, where he served since 2011. Among his accomplishments while at the Bureau, Gary created the CFPB’s Consumer Protection Principles for both Faster Payment Systems and Consumer-Authorized Data Access. He also served on the Steering Committee of the Federal Reserve’s Faster Payments Task Force as well as the Fed’s Governance Framework Formation Team. Prior to joining the CFPB, Gary was co-founder and Partner at Capital Performance Group, a financial services strategy consultancy. Earlier in his career, Gary held roles at Furash & Company, Signet Bank, Coopers & Lybrand, and Andersen Consulting. Gary has an MBA from the University of Pennsylvania’s Wharton School and BS in Industrial Engineering and Operations Research from Virginia Tech.