Dan is a serial entrepreneur and business leader in the data analytics and risk management industry, with 30+ years of experience in financial services and related fields. He has founded several successful businesses in consumer and commercial lending, data analytics, machine learning technology and related service operations. He is the founder and CEO of Concerto Card, an Austin-based credit card and loyalty platform. He is the founder and former CEO of Mercury Financial (aka, Credit Shop), a financial services startup he grew to become a top-25 credit card issuer in 3 years. Dan has started and led several businesses focused on serving financial institutions, including Optimal Risk (risk analytics), Austin Logistics (machine learning, risk analytics and optimization), and Advanced Call Center Technologies (receivables management). Prior to these entrepreneurial endeavors, Dan ran credit risk management for JPMorgan Chase’s credit card portfolio and served as the Chief Risk Officer at Household Card Services.