David Cotney, Senior Advisor

e: dcotney@fsvector.com

David brings extensive regulatory experience to FS Vector and its clients. Previously, David was appointed as the Massachusetts Commissioner of Banks from 2010 to 2016 where he supervised all State-chartered banks and credit unions and State-licensed financial services providers. David began his regulatory career as a bank examiner with the Division of Banks in 1990.

From 2015 to 2016, David was appointed to serve as chairman of the Board of Directors of the Conference of State Bank Supervisors (CSBS). Additionally, from 2014 to 2015, David served as chairman of the CSBS Emerging Payments & Innovation Task Force which developed a Framework for the Regulation of Virtual Currency. In November 2013, David became the first State or federal financial regulator to testify before Congress on the subject of bitcoin and cryptocurrency. In 2017, David testified before the California Treasurer’s Cannabis Banking Working Group on the topic of a state-owned bank.

From 2013 to 2015, David served as chairman of the State Liaison Committee (SLC) of the Federal Financial Institutions Examination Council (FFIEC). David was also the first State member to serve as chairman of the FFIEC’s Task Force on Consumer Compliance.

David also serves as a member of the Board of Directors at Cross River and as Executive Vice President and Regulatory Director at CyberFortis-TSC, a cybersecurity firm. 

David earned a B.A. from Tufts University, an M.B.A. from Boston University, and an M.P.A. from the Harvard Kennedy School.