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by Romano Carneletto

David Ehrich

Co-founder and Executive Director of AIR

David Ehrich is Co-founder and Executive Director of AIR – the Alliance for Innovative Regulation, a non-profit that helps bank regulators embrace and leverage technology. David has worked in banking for 20 years at McKinsey, American Express, and JPMorganChase where he was the head of credit card strategy. David is the architect of the Bank On National Account Standards for deposit accounts with no overdraft fees and he is a Co-Founder of Petal, a NYC-based fintech credit card
startup pioneering the use of cash flow underwriting for consumers who lack a history of credit. David has an MBA from the Tuck School of Business at Dartmouth, and a B.S. from Cornell University.

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