Rick is the head of product management and design for Capital One’s commercial banking digital innovation team. He has led the design and development of financial technology products and tools for more than fifteen years, in wide-ranging areas such as electronic trading, commercial real estate, securitized products, credit pricing, foreign exchange trading, portfolio management, fixed income analytics, and consumer credit. Rick’s vast experience designing platforms to enable new markets informed every aspect of Concourse, including the product roadmap, the user onboarding process, the matching process, and the Concourse business model. Rick is a graduate of Columbia University and holds an MBA from Rutgers.